"This book provides an amazing blueprint of policy changes necessary to build the America we all want to live in—where hard work pays off and people can take care of their families without constant financial worries. It offers both big ideas and immediately actionable policy changes to build our country into a place where all can thrive. Everyone involved in making policy should read this book, then act on something in it."—Gail Hillebrand, retired division leader of the Consumer Financial Protection Bureau