Family Unity: How To Pass Wealth Down To The Next Generation

Wealth is built when parents can pass money and property on to their children. Most ethnic groups in America build wealth over several generations, but African Americans have remained in poverty despite being emancipated from slavery for the past 150 years. Family stability is the key to building wealth. But when our marriages break apart, and court battles take all our money, the children are often left with nothing. Or when we don't marry at all and we buy purchases together but it's unclear who owns what, so when the relationship breaks apart, the children are left with nothing. Or when we spend twenty years living in an apartment rather than save and buy a house, and when we pass away, our children are left with nothing. Or when we work on a job that pays well,but every year we take all our extra money and spend it on vacations rather than start a business, and when we get laid off, we have no savings, leaving our children with nothing.  Could it be that our generational poverty is the result of not  building a strong family foundation, purchasing property, starting a business and passing on wealth to our children as other ethnic groups are doing?  How do we change the pattern of behavior and create prosperity for the next generation?