Teresa Smith tackles the tough problem of homelessness with head and heart. With a Ph.D. in health physics, she worked at a San Diego social service agency during the 2008 recession. Smith noticed that thousands of people on the brink of homelessness used their cars as a last refuge. Yet many county programs viewed cars as liabilities, not assets, for someone seeking assistance, and encouraged residents to get rid of vehicles. Smith realized that it was time for a new strategy focused on protecting and building assets to help people avoid becoming permanently homeless. Dreams for Change was born. View the video.