Horrific housing numbers, persistently high unemployment and a pessimistic streak on Wall Street have many people bracing for another economic downturn. And some even believe the U.S. could begin defaulting on government bonds. So is this a bump in the road or is another major fiscal crisis just around the corner? Why is the recently passed financial reform bill largely to blame? How will the government respond to another downturn? And what should you do with your money? We ask Ty Young, CEO of Ty J. Young, Inc., a leading wealth management company.