Julie Johnson Financial Entrepreneur and Educator

Julie Johnson Financial Entrepreneur and Educator HowMoneyWorks is on a mission to eradicate financial illiteracy—the #1 economic crisis in the world.
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As a HowMoneyWorks Educator, my goal is to guide you to the summit of financial independence and empower you to take control of your financial future.

Change is one of the hardest things we can do as human beings. It requires us to step outside our comfort zone and confr...
11/06/2025

Change is one of the hardest things we can do as human beings. It requires us to step outside our comfort zone and confront our fears and insecurities.

But change is also essential for growth and progress. Without change, we become stagnant and complacent, tempted to settle for a life that's less than we deserve.

So what does it take to change? It takes courage, determination, and a willingness to take risks.

It takes a clear vision of what you want to achieve and a plan for how to get there. It takes support from family, friends, and mentors who believe in you and your potential.

And most of all, it takes a belief in yourself—a deep, unshakeable conviction that you are capable of achieving greatness.

So if you're feeling stuck or unhappy in your life, ask yourself—what would it take for you to change? Will it be the power of your vision? Your discontent with the present? Both?

Whatever it is, know that you have the power to make it happen. With the right mindset, tools, and support, you can work to create a life that's filled with purpose and joy.

The median cost of a private room in a nursing home hit an average of $9,733 monthly, underscoring the necessity of fina...
11/03/2025

The median cost of a private room in a nursing home hit an average of $9,733 monthly, underscoring the necessity of financial planning for long-term care. These expenses can quickly erode retirement savings, making it vital to consider insurance and savings strategies tailored to your needs.

Engage a financial professional to discuss how you can prepare for these potential costs effectively.

You don’t need a flashlight to find these monsters — just your bank statement. 💡The scariest creatures this season aren’...
10/31/2025

You don’t need a flashlight to find these monsters — just your bank statement. 💡

The scariest creatures this season aren’t under your bed. They’re in your budget: the Latte Leech, the Subscription Slime, the Debt Goblin, and more.

Each one feeds on your income, little by little. But once you learn how money works, they lose their power.

Meet the Money Monsters and learn how to defeat them:
🔗 Read the blog → “7 Habits That Eat Your Budget Alive”
https://howmoneyworks.com/juliejohnson/blog/money-monsters-7-habits-that-eat-your-budget-alive

Many workers assume their workplace life insurance is “enough.” But here’s the reality most people don’t realize:⚠️ Medi...
10/29/2025

Many workers assume their workplace life insurance is “enough.” But here’s the reality most people don’t realize:

⚠️ Median coverage = $20,000 or 1x salary.
⚠️ 49% of families with only workplace coverage would face hardship within 6 months of losing a wage earner.

Workplace benefits are a good start — but they were never designed to be the full solution. They don’t replace a parent’s income, pay off a mortgage, or cover a child’s education. Too often, families discover the gap only after it’s too late.

That’s why How Money Works: Stop Being a Sucker teaches the principle of protect first, then grow. Our mission is to help families see the difference between what they think they have and what they actually need.

If your only coverage comes from work, it might be time to take a closer look. Your family’s security shouldn’t depend on a benefit that was meant to be supplemental.

Get a copy of our book today: https://howmoneyworks.com/juliejohnson/bookpages/howmoneyworks

It's official—entrepreneurship is on the rise.But don't take it from me. Just check your social media. Since the Pandemi...
10/27/2025

It's official—entrepreneurship is on the rise.

But don't take it from me. Just check your social media. Since the Pandemic began, people have realized that they can start businesses from the comfort of their own homes. It's why your social media feed was filled with people starting businesses... and fake gurus selling courses about entrepreneurship.

Have you considered starting a business? If so, what would your dream business look like?

Not everyone learns the same way. That’s why we built HowMoneyWorks for the Next Generation in three formats:🔹 Print Boo...
10/21/2025

Not everyone learns the same way. That’s why we built HowMoneyWorks for the Next Generation in three formats:

🔹 Print Book – 160 pages | 2-hour read
🔹 Overview eBook – 40 pages | 30-minute read
🔹 Summary eBook – 6 pages | 5-minute read

Whether you’re a fast skimmer or a deep diver, you can get the clarity and confidence you need to take your next financial step.

These aren’t just different versions—they’re different entry points to a smarter financial future.

🎯 Choose your format. Learn what schools didn’t teach. And finally feel confident managing your money.

https://howmoneyworks.com/juliejohnson/bookpages/howmoneyworks-for-next-gen

📘 One action plan. No fluff. Just results.

At some point in our lives, we have all encountered the question, "What do you want to be when you grow up?" and most of...
10/13/2025

At some point in our lives, we have all encountered the question, "What do you want to be when you grow up?" and most of us answered with a fairytale-like dream job or career.

Some of us, for example, wanted to be in the NBA 🏀, on Broadway 🎭, or even become an astronaut 🪐.

But as we grow older, we often find ourselves drifting away from those childhood dreams and settling for what is "realistic" or "practical." We are told to be more practical, to choose a career that will bring in a stable income and provide us with security.

As an entrepreneur, it's essential to never lose sight of your dreams and always dare to dream bigger. The entrepreneurship journey may not be easy, but nothing worth having ever is. It takes courage, determination and a strong mindset to realize your dreams.

So why not take that leap of faith and start chasing your dreams today? Remember, every successful entrepreneur was once just a dreamer with a vision.

Dare to dream and make it happen. The possibilities are endless if you dare to chase them.

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Thinking about a side-gig? Then you need a game-plan, preferably BEFORE you get started.And that game-plan has details f...
10/09/2025

Thinking about a side-gig? Then you need a game-plan, preferably BEFORE you get started.

And that game-plan has details few consider.

Do you know exactly who your client base will be? Do you know their vacation spots, their dreams, their ages, how many kids they probably have?

Can you count on someone to help manage the mountain of paperwork that’s about to appear on your desk? (If that’s you, do you have time for these administrative tasks?)

Do you have experts lined up that can advise you on business taxes, any compliance issues, insurance, etc.?

What about a sales process that you know inside and out that you can teach to your next employee?

For most entrepreneurs, these considerations are where they miss the mark. They take a “build it as you need it approach.” They wait to encounter a problem, and everything is put on hold until that problem gets fixed. The business withers, but the problem lingers.

So before you start a side-gig, do your research. Create a plan. Find a mentor or system you can plug into. Your future self is sure to thank you!

Every young adult has financial questions. But most never get real answers.That ends now.HowMoneyWorks for the Next Gene...
10/06/2025

Every young adult has financial questions. But most never get real answers.

That ends now.

HowMoneyWorks for the Next Generation is the book that speaks directly to the most urgent financial needs young people are facing today:

💸 How do I make a budget that works?
🏦 Should I start investing now or wait?
🧾 How do I manage debt and credit wisely?
🚀 Where do I even begin?

It’s straightforward. It’s empowering. It’s made to be shared—with your students, your kids, and your peers.

✅ Perfect for classrooms, workshops, and graduation gifts.

📘 Written by Lauren Mathews Fairey and Christa Mathews—two daughters of a legendary financial educator.

Learn more about the book today!

https://howmoneyworks.com/juliejohnson/bookpages/howmoneyworks-for-next-gen

Gen Z is reshaping the conversation about money. 📱👉 84% use social media to research financial products. 👉 87% listen to...
10/01/2025

Gen Z is reshaping the conversation about money. 📱

👉 84% use social media to research financial products.
👉 87% listen to finance podcasts.
👉 Nearly half (46%) say they don’t have enough insurance coverage.

But here’s the challenge: the “advice” online isn’t always one-size-fits-all, and sometimes, it can even be harmful. That’s why we created How Money Works for the Next Generation. It’s real talk, written by the next gen for the next gen, with practical steps that actually work.

It's time to get the real truth about protecting your future. Get a copy of the book now:

https://howmoneyworks.com/juliejohnson/bookpages/howmoneyworks-for-next-gen

09/24/2025

We’re building something the world has never seen.

Piece by piece, day by day, the vision is almost ready to rise. The walls are humming, the lights are waiting, and the stage is holding its breath.

This isn’t just a headquarters. It’s where a mission becomes a movement. Where voices will be amplified, dreams will take shape, and the future of financial literacy will launch.

The countdown is nearly over. Stay close—you won’t want to miss what happens next.

Address

WealthWave NW Leadership Center: 7421 SW Bridgeport Rd Suite H-225
Portland, OR
97224

Telephone

(503) 201-6815

Website

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