Change Your Literacy, Change Your Life

Storytelling helps us learn how financial literacy transforms lives. This book can help you...

  • Imagine the profound impact of financial literacy

  • Discover your financial revolution starting point

  • See how knowledge comes before action

  • Recognize that it is never too late to begin

  • Learn how action and patience can unlock wealth

  • Identify potential strategy pitfalls to avoid

  • Explore how communities can thrive via education

  • Discover the power to transform your family's legacy and find inspiration like never before

Over 4.5 billion people throughout the world today are financially illiterate

"4 Financial Illiteracy Statistics 2023: A Look at the Financial Health," Gitnux, Mar 2023

Only 25% of US adults correctly answered more than 75% of the questions on a personal finance exam.

“Astonishing Financial Literacy Statistics for 2023,” Moneyzine, Feb 2023

Only 23 out of 50 states require high school students to take a personal finance course to graduate.

“Survey of the States: 2022 Economics and Personal Finance Education in Our Nation’s Schools,” Council For Economic Education, 2022

Impact in the Media

TV Interviews


Change Your Literacy, Change Your Life is...

Transformational. Inspirational. Enjoyable. Beautiful.

A Story—and Lesson—in Each Chapter

Each chapter opens with a tale of financial literacy, which conveys insights and informs the readers about concepts, strategies, and ideas that build the book's overarching theme of financial transformation through knowledge and action.

Stunning Images, Graphics, and Personality

The book includes over 80 pages of full-color information, photographs, and graphics that bring each story and lesson to life. The visual experience creates a quick, enjoyable read that delivers a high level of informational and inspirational value to the reader.

Information That Offers Direction

The experience of the book is designed to give the reader direction. As you read, you will see a clear path to follow to guide your financial journey and next steps to go from where you are to where you want to be.

Take a peek at the inspiring stories you’ll discover in the book.

In the pages of the book, you’ll encounter vignettes about people from a wide variety of circumstances and how financial knowledge can transform their lives.

You’ll encounter Laura’s story about an Ivy League graduate with a great job, but whose finances are in total disarray.

Marcus, a high school teacher, saw how the lack of financial education was hurting his students and decided to do something about it.

You’ll get to know James, who turned his disastrous story of bankrupt business ownership into a tale of financial resilience.

Anna, not wanting her granddaughter Lily to follow her history of financial missteps, broke the cycle by creating a new legacy of literacy.

Rahul’s determination to avoid and overcome student loan debt and position himself for the future is a testament to knowledge in action.

Bo, who works a modest job at the shipyard, proves that with patience and knowledge, anyone can build wealth for a better future.

These are just a few of the stories you’ll encounter in the pages of the book...

About the Authors

Tom Mathews

Tom Mathews, from Cincinnati, Ohio, graduated from St. Xavier High School and Xavier University, both esteemed Jesuit institutions. Alongside his accounting degree, he nurtured a lasting passion for music and playing the trumpet. As a Certified Financial Educator® and one of the seven co-founders of World Financial Group, Tom is the driving force behind WealthWave, serving as its founder and CEO. With over four decades of experience in the financial services industry, Tom has been a pioneer of innovation. Notable achievements include launching the first financial industry website in 1993 and promoting the integration of laptops into corporate culture. Tom co-authored Aim For The Heart: Leading to Build Great Teams with Mac Anderson, the visionary behind Successories. In his commitment to financial literacy, Tom wrote HowMoneyWorks: Stop Being a Sucker, a renowned guide since 2019. This book, through online and live courses, has shed light on personal finance and garnered media attention from prominent outlets. Currently, Tom focuses on public speaking, writing, training, and driving the growth of WealthWave. He also heads LeadershipLIVE events, hosts LeadershipNOW podcasts, and organizes team-building initiatives on WealthWaveTV. Tom and his wife, Cindy, reside in Alpharetta, Georgia, near their daughters and grandchildren. Email Tom:

Kim Scouller

Kim is recognized as a leading advocate for women and their finances. She has been an attorney for more than 30 years and served as in-house counsel for one of the largest financial services companies in the world. During her tenure at Transamerica, she served in several executive roles for the company’s insurance affiliates, broker-dealers, mutual funds, and investment advisors. In her last four years there, she served as the president of the Transamerica broker-dealer with the largest number of registered representatives. As one of the few women broker-dealer presidents in the U.S., she traveled around the country talking with people, especially women, about the steps to identify and achieve their financial goals. Wanting more control over her time, Kim left her corporate career to start her own financial business and law firm based in the Atlanta area. A Certified Financial Educator®, Kim continues to speak with women about the importance and impact of financial education that leads to literacy. She lives in Alpharetta, Georgia with her family. Email Kim:

Andy Horner

a Lynchburg, Virginia native, is a multifaceted leader known for his dynamic marketing and innovation skills. Andy has been instrumental in steering WealthWave to significant milestones, leveraging his deep understanding of marketing and industry trends. His vision is driven by a commitment to excellence and a passion for delivering value to clients. Andy holds the dual roles of Chief Marketing Officer and Chief Technology Officer with WealthWave. In these capacities, he combines his marketing prowess with technological insights to drive the company's strategic direction. Andy is also co-author of HowMoneyWorks: Stop Being a Sucker. His editing, design, and character development made it one of the top-selling personal finance books since 2019. Throughout his career, Andy has demonstrated a knack for visionary thinking and a hands-on approach to problem-solving. A focus on collaboration, innovation, and continuous growth characterizes his leadership style. As he navigates his journey with WealthWave, Andy continues to leave an indelible mark on the financial industry, inspiring peers and fostering a culture of excellence. Andy and his wife, Tonia, live in Cumming, Georgia, with their sons. Email Andy:

Financial Educators Weigh In

Acquiring financial literacy goes beyond mere reading of these words; it can empower you to take greater control of your money.

– Bill Mitchell

By enhancing your financial literacy, you can not only alter the course of your life but also determine its ultimate destination.

– Brian Loiseau

The power to shape your financial future lies solely in your hands. Begin your journey right here, right now.

– Bryce Peterson

Financial freedom is freedom from fear.

– Sharon Lechter

True wealth lies not in the accumulation of money, but in the abundance of possibilities it can afford.

– Hanna Horenstein

The only thing we must determine is how to make the most of the time we are given.

– Noelle Kim

The Cast of Characters You’ll Meet in the Book

Throughout the book, the charming characters below ask the questions readers may also be wondering, with answers that give additional insight and explanations.

Learn how to weave the
7 Money Milestones
into your financial journey.

Each story touches on critical action steps to take throughout your financial quest. You’ll learn how each Milestone moves you forward to your goals of becoming financially secure and independent. Working with your financial professional, it gives everyone a proven, simple path to follow.

Explore the Money Milestones

Request your copy of Change Your Literacy, Change Your Life from me to start your financial transformation.

Download the Overview

Continue Your Financial Education

In communities across America, our financial literacy books are changing lives one student at a time.

HowMoneyWorks: Stop Being a Sucker

With hundreds of thousands of copies in print, our original book has been the starting point for financial education in homes and communities across America and beyond. It has made learning about the basics of personal finance fun, easy, and actionable.

Explore The Book

HowMoneyWorks: Take Control or Lose It

Our popular financial education book for women book is designed to help you conquer the Money Milestones you may face at each stage of life so you can design your financial future. Financial education is the gift of a lifetime. Start taking control of your money now.

Explore The Book