Money or Divine Wisdom: Which does black Americans need the most ?

It is often said that only if black Americans had more money, they would not be in the pitiful shape that we find ourselves. Then, our people could afford better schools, better medical care and be able to afford resources like tutors, secure housing and computers. Is money to root to our problem, really ? Or is it ignorance of self and blatant stupitity to the challenges of life and how to overcome obstacles in our path ? Lets talk about it.