Check cashing places, payday loan lenders, car title loans, and flex loans are examples of predatory financial products that are pretty much the only resort for people living in low income areas. With repayment rates of up to 400%, how do people who are starting off with less survive if they continuously have to pay more? To break down what we need to know about predatory financial products and solutions to the problem that can help close the racial wealth gap, L. Joy brings Bill Bynum to the front of the class.