One physical trait makes the difference between living with your parents and your parents living with you.

There's no easy way to say it: race is the most significant factor in determining whether or not you'll achieve millionaire status in your lifetime.

Economists at the Federal Reserve Bank of St. Louis came to this conclusion after being propositioned by Bloomberg News to study whether it would be possible to calculate the odds of becoming a millionaire in the U.S. based on demographic factors like age, education and race. By and large, their research determined that skin color mattered more than any other factor in predicting how rich someone could be.

Whites and Asians in particular have a disproportionately higher chance of making seven figures than Hispanics or blacks. Asians have the best chance of being filthy rich, and blacks have the worst. Considering that blacks make up 17.9 percent of the U.S. population while Asians only represent 5.6 percent, you can see just how pervasive racial prejudice and inequality against blacks still is. In fucking 2016 …

“It’s a false narrative to say race doesn’t matter in the United States,” said William Emmons, a senior economic adviser at the St. Louis Fed, who lead the research. “It demonstrably does in the results we keep coming upon."

Socioeconomic traits other than race such as access to good education made a difference in predicting millionaire baller status, but even that helped whites and Asians far more than it did Hispanics and blacks.

According to the research, a white person's chances of making $1 million increase from 1.7 percent to 37 percent with graduate-level education. Conversely, a black person’s odds only increase from less than 1 percent to 6.7 percent with higher education. Hispanics only have it slightly better.

If you ask us, it's vaguely unsettling to know that even at the highest level of educational achievement, the most intelligent, hyper-qualified people still face income inequality because of what they look like. This has to be massively discouraging for anyone who wants to apply themselves to higher education. What's the point of all that effort and money if no one takes you seriously when you graduate? Naturally, all races grapple with that burden to some extent, but this research makes it clear just how much more whites and Asian can use education to their advantage while it's much harder for Hispanics and blacks reap the rewards of their hard work.

Of course, that discrepancy extends over into a graduate's job search as well.

In a well-known study by Marianne Bertrand and Sendhil Mullainathan, researchers found that job applicants with "white-sounding" names like Emily Walsh or Greg Baker were 50 percent more likely to get callbacks for interviews than applicants with "black-sounding" names like Lakisha Washington or Jamal Jones.

Age also played a role in influencing millionaire demographics, but again, age only benefited whites and Asians, not Hispanics and blacks.

This particular research didn't look at the inequalities in gender that would enhance or diminish someone's chances of becoming a millionaire, but given the fact that women still make 79 cents for every dollar a man makes, we're pretty sure women of all races have a much lesser chance than their male counterparts at striking it rich.

However, while this research is disheartening, there's a silver lining: the results are helpful in determining a starting point for changes you can make in your own behavior to make more money. Because you obviously can't change demographic factors like your race, age, or often, education level, here's what you can do: wait to buy a house until you can actually afford it, evaluate how much postsecondary school you can actually take on before you take on, and don't sign up for those shitty airline credit card things. Don't do it!

Finally, a real thought for you: wealth is just one measure of accomplishment. Just because someone's rich doesn't mean they're happy or successful in non-numerical ways that matter much more than a checking balance. So if you're still on that ramen-and-Gatorade diet despite holding a Masters in psychopharmacology, give yourself a secret pat on the back. You might be 101 times happier than your millionaire neighbor who works to support his gold-digging wife's bedazzled golden retriever clothing company.