Background: In the RRC’s 2021 study, “Who Is Being Left Behind,” over 2,000 workers were surveyed online. They were asked about various financial topics related to their long-term and short-term assets, as well as debt, financial wellness, and financial health questions.As shown in last week’s Research Minute, four distinct segments were found in the study including: Thriving (10%), Getting Along (30%), Optimistic with Debt (7%), and Struggling (52%). These segments were analyzed by race and gender in Part Two.Findings: The intersection of race and gender further illustrates amplified disparities among the segments. When examining gender, women of all ethnicities are much more likely to fall into the Struggling segment; however, Black and Hispanic women are at a relatively greater disadvantage. Notably, even greater divisions emerged among men, as both Black and Hispanic men are in the Struggling segment at substantially higher rates than white men.Bottom line: This analysis illustrates that there are significant disparities across gender and ethnicity. In the next Research Minute, we will further explore this analysis for additional insights, including the the effect of marital status.