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 highlights the changes in public policy that are needed to prepare the U.S. for the 21st century and global competition. Among the changes that are proposed, 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 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.