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why is “ghetto culture” not a convincing driver of lack of black mobility?

If you have a single mother and you are raised to glorify drug dealers and rappers, you likely won't strive to study and start companies.

Dismissing this less savory part of the explanation as "racist" does a disservice to yourself, and to your readers

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Rappers are self-employed business owners. Or in the case of Jay-Z and Dre, large business owners.

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