Sara Horowitz is the founder of the Freelancers Union and the Freelancers Insurance Company. Formerly chair of the Board New York Federal Reserve, Horowitz is a recipient of the MacArthur Fellowship and has been featured on NPR and in The New York Times, The Wall Street Journal, and The Atlantic, among other publications. A lifelong mutualist, she lives in Brooklyn, New York, with her husband and daughter.

The twentieth century changed every facet of life for American workers: how much they could expect to earn and what they had the right to demand. But by 2027, a majority of Americans--from low-wage service workers to white-collar professionals--won't be traditional employees. Benefits like paid sick leave, pensions, 401(k)s, disability insurance, and health care will be nearly extinct. To meet the needs of this new generation of workers, the government has done almost nothing.

In this book, labor lawyer, former chair of the board of the New York Federal Reserve, and MacArthur "genius" Sara Horowitz brings us a solution to the current crisis of work that's rooted in the best of American traditions, which she calls mutualism. Horowitz shows how the future of our economic safety net rests on this approach and demonstrates how mutualist organizations have helped us solve common problems in the past and are now quietly driving rural and urban economies alike all over the world, inspired not by for-profit corporations but by labor unions and trade associations, religious organizations and mutual aid societies, and vital social movements from women's suffrage to civil rights.

Mutualism is for anyone who feels that the system is not working for them, and is looking for a new way to build collaboratively, create the new American social contract, and prosper in the twenty-first century.