American Dream. Overcoming the obstacles and challenges facing our young and wealth-poor households is less about character and more about capacity building. The evidence oﬀered here suggests that teaching diﬀerent attitudes toward credit or longer planning horizons will likely bear modest fruit. Instead, these results oﬀer a diﬀerent source of hope. Programs that assist households in acquiring assets like a home or even starting a business could help them gain better access to the Asset Appreciation pathway. As the results show, this pathway oﬀers these households the greatest promise of a ﬁnancial nest egg. At the same time, these programs must be designed to mitigate the risks that asset ownership necessarily entails. In the next chapter, I examine some of these risks as they increased the vulnerabilities of households to the ﬁnancial turbulence of the Great Recession.