This is Motley Full Answers. I'm Alison Southwick and I'm joined as always by Robert Brokamp,

personal finance expert here at the Motley Fool. I have to do it nicely and straight up every

now and then, right, bro? So people know what my real name is. Thank you very much.

So in this week's episode, we're joined by Rich Johnson from the

Urban Institute to discuss job security in the second half of your career. Or should we say

insecurity? Dun-d-da. All that and more on this week's episode of Molly Full Answers.

So, Alison, what's up? Bro, I'm so glad you asked. A few episodes back,

I introduced you to Robert Smith, the successful venture capitalist and philanthropist.

I also told you about his idea to encourage businesses and, sure, even individuals, to funnel

2% of their profits to black-owned businesses as a way to have a positive impact

on the lasting negative consequences of slavery and racism in the U.S.

Somehow, I missed or forgot to mention that Netflix is doing just that.

Back in late June, Netflix announced that it will move up to $100 million or 2% of its cash holdings to financial institutions

that focus on black communities. As Netflix said in a statement, we wanted to redirect some of our

cash specifically towards these communities and hope to inspire other large companies to do the same

with their cash deposits. As Dealbook reported at the time, Netflix will start with 35 million

split two ways, 25 million in financing for a new fund called Black Economic Development

Initiative that will itself invest in black financial institutions and 10 million deposited

with the Hope Credit Union. Netflix, again, hopes that other companies will follow and hopefully it

will go a long way with helping the underbanked. So I thought I dig a little deeper into so-called

financial deserts, which we talked about a little bit. I talked about only briefly at the time.

I landed on some research by Donald Morgan, Maxim Pinkowski, and Brian Yang with the New York Fed. They decided to look at the

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