The generational wealth problem with African Americans is a whole different story. Whites have had 500 years plus ideal conditions to build their wealth. Blacks have had less than 100 years and horrible conditions in which to build wealth. It makes logical sense that we would be behind.
Real scenario. Black family becomes educated, makes a good living, moves out the hood. There's is no help above them, and they are the help to all those below them. When it comes time to buy a house, they pay more in intrest and loan fees, while still supporting their family that hasn't made it out the hood. It comes time to pay for college, but the parents don't have much cash to throw at it because they are still paying for their own school loans, plus home loans, plus they are still paying off grandmas house. So their kids take out loans of their own and the cycle continues.
On the other hand a white family has support from above. They go to school get the same degree make the same amount of money as the black family, but instead of paying for grandmas house, grandma gives them a house, and mom payed for their schooling, so when it's time to put their kids through school the parents have both the cash and credit to afford it. Grandma sends money for books and living expenses, the kid goes to school without taking out any loans, credit cards, etc, and when he grows up he passes those benefits to his kid.
This is the current dynamic in America and in my opinion only time will fix it. We have been on a constant rise since we were freed as slaves, and we just have to continue at it.