Business

Focusing on Financial Health: Charting the Path Toward Your Next Milestone

Let’s talk about the basics first. Managing your money can be overwhelming, but it doesn’t need to be. Understanding things like budgeting, saving, paying your bills, and even building your credit score are skills that can help you at any stage of life. Even in difficult times, when so many are facing greater uncertainty around finances and job security, understanding core financial skills can be the difference maker.

Published

5 years ago

November 4, 2021

Oakland Post

Whether you’re looking to become financially independent, planning for a long-awaited vacation, or saving for a down payment to buy your first home, it’s important to become aware of the tools and skills available to help make your financial journey as smooth as possible.

When was the last time you looked at your bank account balance? According to a survey, over 60% of Americans check their balance at least once a week. This habit, if practiced the right way, can put you on the path to achieving your financial goals.

Even in difficult times, when so many are facing greater uncertainty around finances and job security, understanding core financial skills can be the difference maker.

Since the start of the COVID-19 pandemic, 44% of Black Americans said that either they or someone in their family has experienced a job or wage loss due to COVID. In these situations, especially, it is critical to know how to manage your finances to stay or get back on track.

If you’re unsure of where to begin, how to start making progress, or simply looking to refresh your knowledge, consider the following as you chart a successful path forward and take control of your financial future.

Advice and Tools

JPMorgan Chase’s financial goals hub is a great place to start. Start by picking a goal – save, budget or build credit – and explore advice, offerings and tools that more simply allow you to control your financial future. The Grow Your Savings page, for example, offers an interactive calculator that maps out a timeline to reach savings goals and highlights how the Autosave tool can help you manage a regular savings schedule to stay on track and meet your goals. Other resources, such as budget worksheets, are also available to monitor and track monthly spending, as well as guidance on using the Credit Journey tool to build and protect credit, and background on low-cost checking accounts designed to provide access for anyone who has had trouble getting or keeping an account in the past.

If you’re unsure of where to begin, how to start making progress, or simply looking to refresh your knowledge, consider the following as you chart a successful path forward and take control of your financial future

Reserved Capital for Business Owners

Education, reliable support and resources are fundamental first steps to financial literacy, as well as having access to capital. Through JPMorgan Chase’s Entrepreneurs of Color Fund, we’re working to provide more access to capital to future entrepreneurs, existing business owners and communities who have historically struggled to secure it. JPMorgan Chase is also setting aside funds specifically for Black and Hispanic business owners – stop into your local branch and talk with a Chase for Business representative to see if you qualify.

Equitable Home Lending

One way we hope to increase property ownership among Black communities is through our Chase DreaMaker mortgage, which makes applying for your first mortgage or refinancing a current one more attainable with a smaller down payment, and by offering reduced mortgage insurance, more flexibility around your credit score, potential assistance grants and homebuyer education courses.

No matter where you are financially, budgeting and saving are two key habits that can help all of us bounce back from life’s unexpected moments or keep you on track to ensure you meet your goals. That is why JPMorgan Chase is here to help everyone have open conversations about what it means to be financially healthy while providing the support, tools and advice to get there. Financial health is a journey, and we can help you think about a plan for now and the future.

For more resources, information and access to tools that can help you achieve your financial goals and milestones, visit chase.com/personal/financial-goals.

Sponsored content from JPMorgan Chase & Co.

Oakland Post

Posts by Oakland Post

Up Next

Breast Cancer Risk Drives Lifestyle Changes for Charlotte Maxwell Clinic Volunteer

Don't Miss

COMMENTARY: Senate Republicans Block This Generation’s Voting Rights Act: Will President Biden Meet the Challenge?

Oakland Post

Click to comment

Activism

Oakland Post: Week of May 13 – 19, 2026

The printed Weekly Edition of the Oakland Post: Week of May 13 – 19, 2026

Published

1 hour ago

May 15, 2026

Oakland Post

To enlarge your view of this issue, use the slider, magnifying glass icon or full page icon in the lower right corner of the browser window.

Oakland Post

Posts by Oakland Post

Activism

Oakland Post: Week of May 6 – 12, 2026

The printed Weekly Edition of the Oakland Post: Week of may 6 – 12, 2026

Published

5 days ago

May 10, 2026

Oakland Post

To enlarge your view of this issue, use the slider, magnifying glass icon or full page icon in the lower right corner of the browser window.

Oakland Post

Posts by Oakland Post

Activism

Up to the Job: How San Francisco’s PRC Is Providing Work Opportunities That Turn Into Lasting Stability

Each year, PRC serves more than 5,000 clients through a wide range of programs. These include housing navigation, legal advocacy to ensure access to health and public benefits, supportive housing, job and life-skills training, and residential treatment programs.

Published

3 weeks ago

April 26, 2026

Oakland Post

Black Leadership Council (BLC) Advocacy Day in Sacramento. BLC works to advance meaningful change through policy engagement to unlock the full potential of Black and low-income communities. Photo courtesy of PRC.

By Joe Kocurek, California Black Media

Seville Christian arrived in San Francisco in the 1990s from Kansas City, Mo., a transgender woman coming from a time and place still hostile to who she was.

San Francisco offered a deeper LGBTQ+ history and a more visible community of people like her, but even in a city known for acceptance, building a stable life from scratch was no small task.

After arriving in the city, she turned to Positive Resource Center (PRC) looking for work — and for a foothold — in a new place.

“PRC gave me my first job,” Christian said. “A simple gig — passing out magazines at the San Francisco Pride Parade.”

That first opportunity marked the beginning of a decades-long relationship with PRC, one that has seen Christian grow from client to valued employee, and eventually to policy fellow.

“Today, I’ve been with PRC for 27 years, going on 28,” she said.

Seville Christian’s decades-long relationship with PRC includes as a client, fellow and beloved employee. Photo courtesy of PRC.

Helping people access employment and build sustainable careers has been a cornerstone of PRC’s mission since its inception nearly four decades ago. In its most recent annual impact report, PRC served 443 clients through workforce development services, including career counseling, educational programs, hands-on training, and job search assistance. The average wage earned by PRC clients is $26.48 per hour — approximately 38% above San Francisco’s minimum wage.

To advance this work, organizations like PRC have benefited from funding through California’s Stop the Hate Program, which provides direct support to community-based organizations leading anti-hate initiatives.

Christian’s path was not without challenges. During some rocky years, she experienced periods of housing instability and struggled with addiction. Through PRC, she enrolled in a life-skills program that emphasized using her own lived experience as a means of helping others. The program helped set her on a path toward completing an associate’s degree and ultimately launching a career in case management.

“Today, whether someone is new to the city or has lived here their whole life, I know how to help them navigate to where they need to be,” Christian said.

Members of PRC’s Black Leadership Council meet with a lawmaker in Sacramento. Photo courtesy of PRC.

While PRC was founded to serve people living with HIV, its mission has expanded over the decades to meet the needs of people with disabilities, individuals experiencing homelessness, and those facing mental health and substance use challenges.

According to PRC’s Chief of Public Policy and Public Affairs, Tasha Henneman, some of the organization’s earliest programs remain as vital today as they were at the start.

“Our emergency financial assistance program helped more than 1,200 people this year pay rent, cover medical bills, and keep the lights on,” Henneman said. “And over 1,400 people reached out for legal advocacy, resulting in more than $2.5 million in retroactive benefits unlocked.”

Beyond direct services, PRC is deeply committed to community empowerment and policy change. Programs such as the Black Leadership Council support community leaders in advocating for systemic reform, while the Black Trans Initiative focuses on addressing the unique challenges faced by Black transgender individuals.

A recent study from the Williams Institute highlighted findings that 71% of transgender homicide victims in the U.S. between 2010 and 2021 were Black and that nearly a third of the transgender homicides during that period were confirmed or suspected hate crimes.

PRC’s direct and indirect services can be a lifeline for people experiencing hate and are an example of the resources people can get connected with through the state’s CA vs Hate hotline.

PRC is now also producing a film project that centers the lived experiences of Black trans clients, including individuals like Christian.

PRC welcomed guests to their annual Open House in April, an evening dedicated to connection, reflection, and learning more about the programs and people working every day to support San Franciscans experiencing housing instability, unemployment, and behavioral health challenges. Photo courtesy of PRC.

“Our film highlights the health journeys and lived experiences of some of PRC’s Black trans clients,” Henneman said. “Our goal is to give voice, visibility, and agency to the participants — and to bring their stories, both harrowing and inspirational, to policymakers and the broader public.”

The film, expected to be released later this year, is directed by Yule Caise, with assistant director Zarina Codes, a Black transgender San Francisco resident.

Today, Christian continues her relationship with PRC as an ambassador, reflecting on a journey that began with a single job opportunity and grew into a lifelong commitment to service.

“Sometimes I’ll be riding the bus or standing in a grocery store, and someone will come up to me from a women’s shelter,” she said. “They’ll say, ‘Oh, Miss Seville, I just want to thank you. You really helped me with what I was dealing with.’”

She paused, smiling.

“And in those moments,” Christian said, “I think to myself, “Well!.”

A single word that sums up pride in a journey to find the best in herself.

Get Support After Hate:

California vs Hate is a non-emergency, multilingual hotline and online portal offering confidential support for hate crimes and incidents. Victims and witnesses can get help anonymously by calling 833-8-NO-HATE (833-866-4283), Monday to Friday, 9 a.m.–6 p.m. PT, or online at any time. Anonymous. Confidential. No Police. No ICE.

This story was produced in partnership with CA vs Hate. Join them for the first-ever CA Civil Rights Summit on May 11, 2026. More information at www.cavshate.org/summit.