We all need public and private safety nets to help us in tough times and get ahead. Yet our research tells us that the United States has large gaps in needed protection, prevention, and opportunity. Big changes are needed to reduce inequality and improve safety nets, but even small steps can create real improvements for today’s struggling families. I believe in the importance of nonpartisan research and love collaborating with the hundreds of Urban Institute experts to inform policy, programs, and the public. Wealth isn’t just for the wealthy. Wealth is where opportunity lies.