Policymakers have struggled with how to reduce long-standing inequalities based on race. Recently there have been calls for reparations with many innovative ideas. While policymakers debate how to implement these suggestions, there are many promising approaches to college access and home ownership that already exist, which accomplish some of the same goals. Prof. Trina Shanks will discuss baby bonds, child savings accounts, promise scholarships, and various home ownership incentive programs in progress, and how they could make a real difference in the lives of low to moderate income families.