McMillan asks a provocative question about racism in America: When people of color are denied so much, what are white people given? And how much is it worth—not in amorphous privilege, but in dollars and cents? McMillan begins with three generations of her family, tracking their modest wealth to its roots: American policy that helped whites first. Simultaneously, she details the complexities of their advantage, exploring her mother’s death in a nursing home, at 44, on Medicaid; her family's implosion; and a small inheritance from a banker grandfather. In the process, McMillan puts a cash value to whiteness in her life and assesses its worth. McMillan then expands her investigation to four other white subjects of different generations across the U.S. Alternating between these subjects and her family, McMillan shows how, and to what degree, racial privilege begets material advantage across class, time, and place.