Sadly, a lot of that fact is reflected in statistics about blacks’ home ownership and net worth. Very few, for example, have much in the way of 401(k) accounts. One acquires a substantial 401(k) balance primarily by regularly deferring gratification and contributing to the account. The main thing that keeps the average person from doing that is disinclination to sign up, which primarily results from the desire for immediate gratification. A powerful contributor to that is the current urban black culture that brutally penalizes “acting and thinking white.”
The biggest gap is the “Ambition Gap”. The only “ambition” in the Hood is getting high and making fun babies.