Bishop Thomas Masters speaks with Brother David McDonald. David McDonald he is the founder of Financial LadderUp. McDonald helps people in the community manage their money ,build their credit, leverage your credit and grow it. The Black community has had limited access to building wealth for generations. A closer look at wealth in America reveals staggering racial wealth disparities. Even before the Covid-19 pandemic, the 2019 national Black poverty rate was more than double the white poverty rate in the U.S. (roughly 22% compared to 9%, respectively), as reported by the Kaiser Family Foundation (KFF).