As for generational wealth, I got zero (less than zero, net) from my parents. At 74, the wealth that I have is the product of (a) being constantly employed since I was 15, (b) getting married, and having my spouse work full time, (c) living below our means, and (d) saving as much as we could until we finally retired.
Got a lot of lucky breaks along the way, but none of it was due to family or personal contacts, my race, or any affiliations. Much of my education was funded by VA benefits, and I actually went into the Army (during Vietnam) so that this would happen.
I finished college and law school with ZERO debt. Maybe that wouldn't be possible now with higher tuition costs, but everything was pay-go.
Any Black male could have done everything the same as me, and could have achieved the same result. Retirement funds are well into seven figures and not a (financial) care in the world.