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We’ll contact you about how to schedule a financial literacy class for your school and show you how to become a HowMoneyWorks financial educator.

Campaign Goal - 10,000 Students EducatedCampaign Goal - 10,000 Students Educated

The mission of the HowMoneyWorks financial literacy campaign is to teach financial literacy to 10,000 students in 2021.

The focus of the Teach It Forward Campaign is two-fold:

Increase Knowledge

Students are taught core concepts and practical information most schools ignore.

Encourage Action

Students are challenged to take short-term and long-term actions to begin healthy money habits.

Financial literacy is only taught in 21 out of 50 states. Of those that do, few teach the most critical concepts of personal finance.*

– Council for Economic Education

*“Survey of the States: Economic and Personal Finance Education in Our Nation’s Schools 2018,” Council for Economic Education, Feb 2018

4 Lifelong Effects of Financial Illiteracy


A life of foolish spending

At HowMoneyWorks, we call the habit of mindless spending the Sucker Cycle. It’s often the reason so many families can be financially ruined by a single emergency and never overcome the pressure of living paycheck-to-paycheck.


A future of debilitating debt

The average university student exits college with an average of $32,731 in debt.¹ After school, that average swells to $51,900.² Debt can prevent students from enjoying the career, home, hobbies, relationships, goals, and retirement they have for their future.


A marriage full of disruption

According to, 41% of couples who get divorced state financial incompatibility as a ‘final straw’ reason.³ Disagreements over financial goals and spending between spouses can cause tension, resentment, and arguments that can fester for years.


A retirement of broken dreams

The median retirement savings for American families is just $65,000⁴—barely enough to cover the first few years of retirement. Millions of Americans enter their golden years unprepared, forced to scale back their lifestyle and continue working for a wage.

All four of these disasters can be avoided with one simple change:

Financial Literacy Taught in Schools.

If learned by adulthood, the knowledge of how money works and the actions to take throughout the various stages of life could mean the difference between poverty and prosperity in every community in North America.

1. “Average Student Loan Debt in America: 2019 Facts & Figures,” ValuePenguin, Jan 2021
2. “The average American debt by type, age, and state,” BusinessInsider, Aug 2020
3. "10 Most Common Reasons for Divorce,”, Jan 2021
4. “The Average Retirement Savings by Age and Why You Need More,” NerdWallet, Dec 2020

HowMoneyWorks Financial Educators are partnering with local school systems, private schools, homeschools, colleges, and universities to end financial illiteracy in North America.

Tom Mathews

Author, HowMoneyWorks: Stop Being A Sucker

For whatever reason, schools don’t teach healthy spending habits, short-term money management, and building and protecting wealth for the long-term. If they won’t teach it, we must.

Steve Siebold

Author, HowMoneyWorks: Stop Being A Sucker

Before They Graduate book cover

Before They Graduate

The 5 money actions every parent should take with their student.

Download this lightning fast crash course from HowMoneyWorks. Inside, you’ll discover an exclusive financial literacy action plan for parents to help their children face their financial future.

Download the Ebook Now

(Please share with the families in your community)

This campaign is about thousands of HowMoneyWorks educators across North America stepping forward to partner with teachers and administrators with the best financial literacy tool available.

Andy Horner

Author, HowMoneyWorks: Stop Being A Sucker

How Money Works

HowMoneyWorks® is on a mission to eradicate financial illiteracy—the #1 economic crisis in the world, which impacts more than 5 billion people across the planet. As a HowMoneyWorks Educator, my goal is to help you break the cycle of endless debt, foolish spending, and financial cluelessness so you can stop being a sucker, start being a student, and take control of your financial future.