Four hundred years of institutional and systemic racism in the United States has led to persistent racial disparities in economic stability and wealth. Black, Indigenous, and Latine communities, as well as Asian, Asian American and Pacific Islander communities have been categorically exploited, criminalized, and excluded from opportunities to build wealth throughout U.S. history. Due to the accumulation of advantages and disadvantages based on race through centuries of policies, laws, and practices, how a person is racialized is the most important factor in understanding differential access to wealth in this country.