The racial wealth gap is often framed as a problem of income, behavior, or opportunity. Tre Baker, an investor and economic development strategist, approaches it differently. “The gap is the problem,” he said. “As long as the gap remains as wide as it is, the math doesn’t work.” In Baker’s view, individual success stories, while meaningful, do not alter the underlying structure. Even broad participation in conventional wealth-building strategies fails to change the aggregate outcome on any reasonable timeline. What is missing is not ambition or intelligence, but coordinated capital, institutional ownership, and systems designed to compound across generations rather

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