According to Dr. Lewis Mandell of the State University of New York at Buffalo, only 44.4 percent of young African-Americans had a full or partial course in money management. The problem with this is that the 44.4 percent on take this class once. You can’t learn everything you need to know about personal finance in one class. The second problem is that 55.6 percent never takes a class. Urban Money goal is to change this.