Study on Savings By Blacks and Whites Reveals Shades of Gray

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Perhaps it's time to stop the race comparisons. Maybe we can learn more and significantly help people increase their retirement investments by focusing on the choices individuals make, and the circumstances that compel those choices, without regard to the color of their skin.

¿ On the air: Michelle Singletary discusses personal finance Tuesdays on NPR's "Day to Day" program and online athttp://www.npr.org.She also has a new personal finance call-in show that airs Sundays on XM Satellite Radio, Channel 169 "The Power," at 8 to 10 p.m.

¿ By mail: Readers can write to her at The Washington Post, 1150 15th St. NW, Washington, D.C. 20071.

¿ By e-mail:singletarym@washpost.com.

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