Good post, I am a white male south African. and I agree with you, black people must make their own way, don't blame other people for your shit situation. I myself am in a shit load of debt, working from paycheck to paycheck trying to survive my middle class life style, and man it's difficult.
Black people in general had been given a raw deal in life, but I know some super wealthy black people, and happy that they have succeeded. I will hopefully get there one day :)
Good luck to you bro, take care