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A guide to making the U.S. economy work for everyone, by a leading advocate of asset development The majority of Americans do not have a few thousand dollars to weather an unexpected illness, job loss, or accident. Most Americans, including 80 percent of people of color, are locked out of the mainstream economy, unable to add their talents, work, and dreams, unable to share in the bounty of this economy. Without a nest egg most Americans cannot invest in their future - and the future of our country - through saving, entrepreneurship, education, and homeownership. We can - and we should - do better. Longtime leader in the field of asset-building Robert E. Friedman demonstrates how a few simple policy changes would address wealth inequality - and build a better economy and a stronger country for us all.