Its the first and third but not the second or last one
Not sure if it’s a multiple choice?
But Black households, have a long history of employment discrimination and other discriminatory practices. Black households have fewer and are in greater need of personal savings than their white counterparts. For a variety of reasons, blacks are more likely to experience negative income shocks but are less likely to have access to emergency savings. As a consequence, blacks are more likely to fall behind on their bills and go into debt during times of emergency.
Not sure if this helps, if not I apologize
Answer:
someone who studies history
Explanation:
That link fake ............
