I'm T.K. DuTest and this is NPR's Life Kit.

Today on the show, we're talking generational wealth.

When you think about generational wealth,

it's the connection of the past to the present,

to the future.

That's Dr. Pamela Jolly.

She's the founder and CEO

of the Strategic Investment firm Torch Enterprises.

And Dr. Jolly says,

wealth isn't just about cold hard cash.

It's whatever you want it to be.

It's your relationships.

Your education, your knowledge, the things you own,

anything you can pass down to make your mark on the world.

You can't talk about wealth in this country

without talking about the racial wealth gap.

So Dr. Jolly and I touch on that in our conversation.

We also talk about how to communicate with your family

or your friends, whoever your people are about what you have

and how to make sure it's protected.

So it can get passed on whenever you're not around anymore.

First, I asked my friends on social media what they wanted

...