Despite the passage of civil rights legislation over 50 years ago, the persistent disparity in wealth between white households and those of Black and Hispanic communities underscores deep-rooted systemic issues that continue to hinder access to opportunity. Historical factors such as discriminatory housing policies, unequal access to education and employment opportunities, and systemic racism in financial institutions have all contributed to this stark wealth gap. Moreover, wealth serves as a significant determinant of access to opportunity. It provides a safety net for economic mobility, enabling individuals to invest in education, start businesses, and accumulate assets that can be passed down through generations. The substantial disparity in wealth means that Black and Hispanic individuals often lack the resources necessary to pursue these avenues of advancement. In my own experiences, I've witnessed how financial barriers can limit opportunities for individuals from marginalized communities. Despite talent and ambition, many face uphill battles due to systemic inequalities embedded in our society. Addressing these disparities requires comprehensive policy solutions that address the root causes of wealth inequality, such as investing in education and job training programs, implementing fair lending practices, and promoting equitable economic policies. Additionally, fostering an inclusive society where all individuals have equal