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Generational wealth is about more than how much money you have — though money is, of course, a key part.

To Shelley Halstead, founder and director of Black Women Build-Baltimore, generational wealth is also about habits as small as packing your lunch instead of buying it out, or what you and your family talked about around the dinner table.

“My parents budgeted, and I learned that it was just part of growing up,” Halstead tells CNBC Select.

As a result, the carpenter and former firefighter was well prepared to start her nonprofit in 2017 after working as a union construction worker. She now passes on what she’s learned by training Black women in carpentry, electrical and plumbing while helping them build wealth through buying and restoring vacant houses.

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