Firstly, the paper at tempts to identify the features that distinguish the affluent and specifically the black affluent from the rest of the population with a descriptive analysis. The paper investigates how affluence predictors vary between different race groups. It shows a dramatic increase in black affluence. Household heads be longing to this group, how ever, have educational attainment levels exceeding the average for the affluent suggesting that income might rise to match or exceed average levels for the affluent as the group matures.