You pay for the meal and your friends quickly transfer their portion via a payment app to you and call it even. You leave the money in the app for the next time you need it. You can probably think of other ways that you and your clients routinely use payment apps in every day exchanges of goods and services. These types of peer-to-peer transactions are made fast, easy, and convenient with the use of payment apps. However, holding money in payment apps indefinitely has drawbacks that you will want to make your clients aware of. 

Knowing that mental health disparities exist and are experienced every day by Black, Indigenous, and People of Color (BIPOC) communities, how can we as military service providers bring awareness to the unique struggles that each of these communities face regarding mental illness? Explore several resources that highlight the need for minority mental health awareness and provide strategies for working with underserved communities.