This is a relevant fact that seems like it may be amenable to intervention.

> black wealth crosses generations at a fraction of the rate white wealth does

Note that the factors that drive wealth preservation are also what drives wealth accumulation in the first place. When you've always been living in a more-or-less chaotic environment and almost no one around you is intimately familiar with a feasible alternative, it becomes really, really hard not to eat your marshmallow (or, to use a different image, your "seed corn"). This has nothing to do with race per se of course, but plenty with material conditions, even in a Marxian/Marxist sense.