Racial Wealth Gap
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Targeting First-Generation Homebuyers Is a Great Way to Direct Downpayment Assistance—And It Could Be Better
The proposed program could shrink the racial homeownership gap while serving a wide cross-section of people. But it only addresses some of the results of past discrimination.
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Moving Beyond the Holy Trinity of Racial Wealth Gap Answers
We’ve been carrying out asset-building strategies for decades now, but the wealth gap has not shrunk. What needs to be done about it?
Maurice Jones on Job Creation, Community Development, and Wealth Building
Seventy-one percent of jobs that pay $40,000 and above require a four-year degree, says Maurice Jones. That requirement is “having a huge, huge adverse impact on Black talent earning their way into the middle class.”
Realtors Reckon with Race
A new generation of real estate agents are aiming for meaningful change in an industry most famous for championing and enforcing segregation.
You Can’t Carbon Copy Community Ownership
Community development has long made attempts at wealth building, with a focus on trying to find successful or innovative models that can be replicated. And yet the transformational change we’ve […]
Valuing Black Lives and Black Cities
Andre M. Perry’s Know Your Price: Valuing Black Lives and Property in America’s Black Cities reveals the web of historical and contemporary socioeconomic barriers that maintain the racial wealth divide and does this through personal narrative, history, and an exploration of a wide array of social issues.
Stop Talking About the Racial Wealth Gap
It may seem counterintuitive, but in order to close the wealth gap, we must shift our focus from the gap itself to the policies, conditions, and systems that spawned it.
Financial Coaches, Let’s Be Upfront About Economic Structural Racism
Financial education messaging is too often presented as if individual behavior and attitudes are the cause of our growing economic challenges rather than our social, economic, and political systems.
Protecting the Community Reinvestment Act Is an Investment in Economic Justice
The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation just released a set of proposed rules for the Community Reinvestment Act that threaten the very heart of the law.
Can Estate Planning be Used to Help Preserve Economic Assets in Low-Income Communities?
Estate planning should be employed as part of a broader plan of preservation of wealth and assets in communities of color.
Is the Housing Market the Answer to the Racial Wealth Gap?
In discussions around closing the racial wealth gap, we should be reminded that a very large portion of wealth gained by white Americans should be seen as ill-gotten.
Just as I Suspected, Paying Rent Is Racist
Every month millions of Black Americans hand over half of our livelihood to the descendants of those who forcefully brought our ancestors here to work for free. Essentially, America is in the business of charging its captives rent.
Context for the Racial Wealth Divide May Free American Minds, and Mindsets
Black people were excluded from many of the income and wealth-building programs that helped build the foundation of white Americans’ wealth today.