文章强调美国黑人需要采用以储蓄为基础的文化来解决财富不平等问题。 Article highlights the need for Black America to adopt a savings-based culture to address wealth inequality.

文章关注美国黑人与其他种族之间的经济差距，强调需要增加黑人社区的储蓄和投资来解决贫富不均问题。 The article focuses on the economic disparities between Black America and other racial groups, emphasizing the need for increased savings and investment within the Black community to address wealth inequality. 作者通过与工业经济发展进行比较，建议通过在学校、教堂和家庭中教授储蓄来在美国黑人中建立以储蓄为基础的文化。 Drawing parallels between industrial economies' development, the author suggests adopting a savings-based culture in Black America by teaching savings in schools, churches, and homes. 作者认为，美国黑人不能仅仅依靠法院或政府来解决种族财富差距问题，而必须对自己的经济发展负责。 The author argues that Black Americans cannot rely solely on courts or the government to address the racial wealth gap and must take ownership of their economic development.