Utter rubbish

It is not racist to observe that Kenyans are faster runners or that Europeans are on average taller than ethnic Chinese. Obviously there are physical differences between different ethnicities. It is not even racist to say that studies have placed sub-Saharan Africans lower in IQ than white Europeans. It would be racist only to insist, contrary to scientific evidence, that this as an immutable racial characteristic as opposed to the product of environmental factors (malnutrition, poor education, etc.), and therefore not fixable. Insisting that non-Whites are congenitally so fickle that they are incapable of financial planning is racial prejudice. Racial prejudice is the belief that some races or ethnicities have inherited behavioural traits that justify cruelty, discrimination or what would otherwise be grave injustice. But your mischaracterisation of racial prejudice is not innocent. It is designed specifically to justify your own racism, which you consistently display on these boards.