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    When black people do go to college they are not majoring in fields where the highest paychecks are. That is STEM fields(Science Technology Engineering, and Math). This can explain the so called income disparities. Also there is a lack of entrepneurship and property ownership. People are being lazy and choosing the easy less paycheck way like majoring in the humanities and choosing to work for someone else. With great risks/ challenges comes great rewards(more money).

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