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The main factor is lack of parental role models and guidance. A 70% illegitimacy rate means that far too many young black kids are growing up in households living hand-to-mouth, and too often without stable employment, let alone savings, in the picture.

There is also a generational factor at work. The creation of a mass black middle class is one of America's great achievements of the last 50 years. This is, however, still a relatively new thing, with the majority of the black middle class being the first or second generation of their family to achieve that status. Building a nest egg is for most of us the work of a lifetime and is the product of habits transmitted largely as a matter of family tradition. It takes time for cultural pattens to change.

The welfarism mentality is a problem for the poor of all races, but I would expect the black middle class over time to figure it out. Those that I know already have. Their houses are well on the way to being paid for, they sock it away in the 401(k), and their kids are headed to college. They're doing just fine, and their opinion of the ghetto lifetyle is about the same as mine.

Do these black middle classers vote for O and all the dems 100% of the time? I work for the g. and I’m surrounded by 100s of these types all day, and their attitudes are 100% sick, twisted, liberal, bizarre, white man guilty, we be racism victims, etc.