What makes things even more complicated is that there is "no single, simple explanation for the racial wealth gap,"Today, many Black Americans are middle to high earners. But Americans are not all at the same starting line, saysThat means the existing racial wealth gap can thenthe investing gap. In other words, if you have less money overall, you have less money to put into the market.
Another example of risk aversion? Even though investments in equities are a key way to accumulate wealth over time in general, some Black Americans areWhile we can acknowledge that history has not always been kind — and has been terrible in some cases — there are some actions we can take individually to help close this gap. Especially when it comes to equities. Remember: You should have a surplus of funds to start investing.
Alternately, maybe you can make the case for a raise, or seek a position with higher pay. Or maybe it's time to look into a side hustle or your own business — even something you can do remotely, from home. Only 57% of this group invested at the income range of $50,000 to $100,000, compared to 81% at the range of $100,000 and above. Talk to others and seek reliable information
I think it is just less discretionary income and hard to invest if your money is not legal for some.
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