Ryan McCarthy in a recent article titled “White Families Now $95K Richer than African-American Families on Average, According To New Study” pointed out how public policy and discrimination have fostered a tremendous wealth gap between African- Americans and Whites. In the article he states, “The racial wealth gap results from historical and contemporary factors but the disturbing fourfold increase in such a short time reflects public policies, such as tax cuts on investment income and inheritance, which benefit the wealthiest and redistribute wealth and opportunities… At the same time, evidence from multiple sources demonstrates the powerful role of persistent discrimination in housing, credit, and labor markets.” Ryan used a report published by Brandeis University’s Heller School for Social Policy and Management as the basis