I would caution against assumptions such as "I expect financial impact to be worse for the poor and people of color according to literature." That may be the perception some want and thus may be the 'think', but with the just passed IRA the opposite is closer to the truth. This is one of the struggles with Climate Action -- the oil barons who want to keep their oil profits are working hard to convince everyone that Climate Action will cost huge amounts of $$ where in fact it will save $$. For example, with the IRA many Climate Action steps in Buildings won't even cost more up front because of large tax credits that are even refundable for non-profits ... then those upgrades effectively save/make $$ forever! The key is that all those windfall profits that the oil industry has and continues to steal from the rest of us will disappear only to become our investments in Renewable Energy and Energy Efficiency.