By Jonathan Morduch and and Rachel Schneider. Challenges popular assumptions about how Americans earn, spend, borrow, and save―and identifies the true causes of distress and inequality for many working Americans, ranging from a casino dealer to a street vendor to a tax preparer, who open up their lives and illustrate a world of financial uncertainty in which even limited financial success requires imaginative―and often costly―coping strategies. Details what families are doing to help themselves and describes new policies and technologies that will improve stability for those who need it most. Read more.