This book is a necessity for people on the go who need a concise, complete overview of the U.S. economy's problematic 2008 recession, and a description of the federal programs that delayed the recovery from it. This book explains why these programs failed; and it highlights the changes in public policy that are needed to prepare the U.S. for global competition. Among the policies that must be reconsidered to restore the middle class in the U.S., the Author explains why the U.S. Tax Code should be revised unless domestic job creation becomes a priority; and she explains why certain U.S. financial institutions should be downsized or more heavily regulated if they are going to continue to be a source of economic and financial instability that conflicts with the purpose of the U.S. Federal Reserve System, a system Congress created to ensure price and employment stability. Given the current and anticipated economic outlook for the U.S., Dr. Ayala addresses investment and financial decisions that households can consider in order to protect their wealth and income.