Smart Money
Changes Everything
Empowering Hope and a Future
Through Financial Education
Transform Lives. Advance Your Mission.
Smart Money Changes Everything is a Financial Wellness Brand that delivers mission-driven, empowering, and transformative financial literacy education solutions to you and the communities you serve.
OUR GIFT TO YOU....
REQUEST THESE FREE RESOURCES TODAY
Discover How Our Proven Financial Education Programming Can Deliver Results For Your Community
FREE RESOURCE
FOR LIBRARIANS
In this ebook, you will discover:
The important role librarians can play in empowering teens on their financial literacy journey
Why financial literacy matters for teens
The high cost of financial illiteracy
Key benefits for libraries in offering financial literacy for teens
Practical tips to boost program turnout
Marketing and promotion tips
Teen Personal Finance Reading Challenge and Tracker for your teen audience to get started
FREE RESOURCE
FOR ORGANIZATIONS
In this short video, you will learn:
Our proven 3-step framework that creates lasting results
Turning points of real participants and how they moved from fear to confidence and action
How your program can be customized to your community's unique needs
The data-driven measurements of your program's impact to share with your stakeholders to scale your program
Honored To Be Featured On:
National Financial Educators Council New Podcast: Smart Money, Real Lives. How Donna Cirillo transforms financial education into lasting life change. From call center education to community impact, her story is a master class in purpose-driven education.
In this episode, we sit down with Donna Cirillo, founder of Smart Money Changes Everything, to explore how she built a purpose-driven career in financial education that serves everyone from teens in libraries to adults rebuilding after major life transitions. Donna shares how her journey began in a high-pressure bank call center, where overwhelmed staff and frustrated customers pushed her to create her first informal financial training. That experience sparked a lifelong mission to teach money skills in practical, compassionate, and genuinely transformative ways.
Discover the
Smart Money Changes Everything Advantage
Comprehensive Curriculum
Smart Money Changes Everything uses the comprehensive and proven curriculum of the National Financial Educators Council (NFEC), which has been approved by thousands of compliance departments. We can design customized financial literacy programming for you, your families, or the populations your organization serves.
Highly Qualified Instructors
The instructors of Smart Money Changes Everything are among the highest qualified instructors in the financial literacy education industry, having earning the credentials of Accredited Personal Finance Instructor (APFI), Certified Financial Literacy Professional (CFLP), and Certified Financial Education Instructor (CFEI) from the National Financial Educators Council (NFEC).
Together, We Will Unlock the Power of
Financial Literacy Today
For a More Prosperous Tomorrow
Our high-quality and effective financial literacy programming will help you impact the quality of the lives of the people you serve by bridging the gap between theory and real-world application to achieve positive long-term outcomes and lasting change.
Increase financial knowledge
Improve credit score
Make a plan to pay off debt
Develop positive financial behaviors and habits
Create money management systems
Improve financial sentiment
Build confidence
Take decisive action
Convert to SMART goals
Track your budget
Create savings plan
Switch your emotional decision-making to logical decision-making
Gain clarity on where money is going each month
Find direction on where to start on improving your financial situation
Meet Donna Cirillo
I'm an Accredited Personal Finance Instructor, Certified Financial Education Instructor, and a Certified Financial Literacy Professional.
I believe in the transformative power of financial literacy education.
I believe there is no greater reward than to help our learners develop the skills they need to achieve their financial goals so they can live their desired lifestyle and dreams.
I believe you deserve the most qualified and passionate financial educator.
I believe that smart money really does change everything!
What Our Students Are Saying
Even the smallest steps in the right direction lead to significant improvements in your financial well-being.
Certifications and Recognitions
Accredited Personal Finance Instructor
Advisory Board Member
New York Financial Educators Council
Certified Financial Education Instructor
Certified Financial Literacy Professional
National Financial Educators Day Award
New York City Council Proclamation
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