b'Discrimination affected wealth creation and opportunity in the U.S., leading to vastly different median incomes, unemployment levels and homeownership rates. Also, people with variable-rate student loans can struggle to predict what their future payments will be, which can make budgeting difficult.\\n\\nAs always, send us your money questions! Email podcast@nerdwallet.com\\xa0or call or text the NerdHotline at 901-730-6373. And visit www.nerdwallet.com/podcast\\xa0for more info on this episode.'