As an African American woman, should I plan for retirement or for my funeral?

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As an African American woman, should I plan for retirement or for my funeral?
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I expect to retire, but as an African American woman, the numbers make me wonder if I should plan for a funeral instead. Presented by Fidelity

"For me and my family, the educational and SES components compensate for my two big risk factors: being a Latina and an immigrant," Marcela Almeida, an assistant professor of psychiatry at Harvard Medical School, said."My family has access to good healthcare and are able to make well-informed choices."

I delivered my children without major complications. I also have the means to see a physician for preventive care. I get a mammogram and colonoscopy on the recommended schedule, and I eat a healthy diet rich with a wide variety of grains and fresh vegetables. I exercise regularly, have never smoked, and drink alcohol on occasion. It's likely that I will live until retirement age or older.

On the other hand, I no longer deal with microaggressions and overt racism in the workplace. It's been shown that stress exacerbates other health factors; there's a lot less, as well as a different kind of stress, when you're your own boss. As an African American woman, I already live with the stress of state-sanctioned firearm violence and police brutality, and that's more than enough.

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