The United States experienced the emergence of an economic crisis in the last quarter of 2008 that was the worst since the Great Depression. It quickly became evident that the cause of this financial meltdown was a perfect storm of multiple factors including irresponsibility, greed and lax oversight. Some hardworking citizens found themselves living in foreclosure riddled neighborhoods and tent cities that the author has labeled - TARP Towns - after the Troubled Assets Relief Program approved by Congress in October of 2008. ESSENCE bestselling author D T Pollard expresses a unique view on the economic crisis that exploded onto the scene in 2008 and describes how that financial downturn may save the United States of America from itself.