With the U.S. falling short of President Joe Biden’s goal of having 70% of all American adults at least partially vaccinated by the Fourth of July, public health officials in places like Spencer County, Kentucky, have shifted the emphasis.

Or, because fewer Black families have wealth that has carried through generations, they may be more wary of risky investments. And Black households are much more likely to be in that not-as-fortunate group that isn't in the stock market. Only 33.5% of Black households owned stocks in 2019, according to data released recently by the Federal Reserve. But researchers say that even wealthier Black households are much less likely to own stocks than their white counterparts. The figure is just 44% for Black families and 28% for Hispanic families.