This article examines the mismatch between the political discourse around individual agency, education, and financial literacy, and the actual racial wealth gap. The authors argue that the racial wealth gap is rooted in socioeconomic and political structure barriers rather than a disdain for or...

The U.S. Department of the Treasury has unveiled its latest savings tool. “my Retirement Account”—myRA for short—is a retirement savings account designed for individuals who may not have access to a saving plan through their employers. It costs nothing to open a myRA account, and there...