Financial education won’t close the wealth gap, but these 3 things will

Zest AI’s Aaron Long observes that more than 43 million people in the United States, who are finding it very difficult to pay household bills.

Growing up in the 1980s in a Black household in St. Louis, MO, my dreams were a lot smaller because I didn’t know how big they could be. Living paycheck-to-paycheck creates two main disadvantages that make it hard to dream big. At the household level, wealth dictates a child’s education and environment, and if those things don’t improve, it kicks off a vicious cycle that makes it nearly impossible to get out of poverty and dream of a better life. Not to mention the mental toll it can take.