James D. Alvernaz Jr.
8910 University Center Lane
San Diego, CA 92122
HowMoneyWorks has set a goal to elevate global financial literacy to the same level by that same date.
It's time to close the gap between those who know how money works and those who don't—the suckers. It's time to break the cycle of endless debt, foolish spending, and financial cluelessness, so anyone who wants to take control of their financial future has the knowledge to make it happen.
is understanding how to earn, spend, save, manage, and invest money. Simply put, it's knowing how money works.
on the other hand, is NOT knowing how money works, which can make you financially unwell... for life.
$307 Billionis the amount mismanaged personal finances cost Americans in 2019.
Source: National Financial Educators Council Survey
of Americans don't have enough cash to cover a $400 emergency.
of student loan borrowers are not making payments.
of households in America have credit card debt.
of American adults have zero retirement savings.
HowMoneyWorks, headquartered in the U.S., has a laser-focused commitment to create innovative books, classroom training, online resources, and a worldwide network of educators that are available to everyone on the planet.
you can help HowMoneyWorks achieve its goal:
When you do, the human race is one person closer to reaching 90% of global financial literacy. Everyone counts!About the Book
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Contact me to get a copy of the book, attend a class, or learn about becoming a HowMoneyWorks Educator.
Get to know the stars of the book who learn with you, have fun along the way, and help bring it all to life.
HowMoneyWorks is about helping people never be taken advantage of again. No one wants to be a sucker!
42, Hospital DirectorSmart and energetic, Dana is the kind of high-performing executive everyone wants to be in the room with. Everyone except those who aren't doing their jobs. Why? Because they all know Dana doesn't play.
Yeah, Dana, but most people don't want to be a student, either. That's why we make it easy and fun. I'd like to think I have something to do with that.
36, Ride Share DriverHe has a "brilliant" idea for an app if he could just raise enough cash... from anyone who wants in on the dream. Until then, it's the ride share thing. Flexible hours. No cubicles. Captive audience. What's not to love?
Just like an illness must be fought with medicine, financial illiteracy must be fought with education.
56, History ProfessorMei's students all share two fond memories from her class. Her favorite expression: "It's possible to be both nice and precise." And "Jeopardy Day", when the students get to be contestants and Mei gets to be Alex Trebek.
Great point, professor! You either become a student of how money works and take control of your money—or you stay a sucker.
19, University StudentZoey can't decide between physical therapy or marine biology. The choice would be simpler if people were as appreciative as animals when you do something nice for them. And by "people" she means her roommates.
That was deep, Mei and Zoey! But I just want to say—check me out in the book!
32, Medical SalesTJ was made for sales and sales were made for TJ. He's got the only infectious things any doctor would ever want in their office—a deadly smile and a killer personality.
You know, TJ, it doesn't hurt to think a little deeper once in a while.
49, Real Estate AgentSome may forget to dot their i's and cross their t's, but not Sarah. Especially not in the word "stickler." While not known for tact, Sarah's honesty and persistence have helped her remain a top producer for over a decade.
It's never too late to teach an old dog to learn a new trick—or learn how to save a few bucks.
67, Retired Military OfficerCivilian life suits George well. Aside from restoring the old Mustang, he Facebooks with friends, FaceTimes with family, and facepalms over today's teens, who could all benefit from a butt-kicking bootcamp...in his opinion.
What are you waiting for? Read the book and change your life!
28, Restaurant OwnerA born motivator, Hector runs a small fleet of food trucks. Social media made his sandwiches a city-wide success, which is why he named the business, "Social Sandwich".