The biggest predictor of wealth is already existing wealth. S&P Global found that barely 1 in 3 adults in the world are financially literate-most of whom in the U.S. are white, men, older generations, and higher socio-economic status individuals. But in 2022, the #moneytok tag changed the game and generated over 16 billion views on TikTok-more than #tacotuesday, #gossip #cookingtiktok, and so many others! While financial advice has been growing increasingly accessible, trendy, and fun to learn, the long-neglected conversation on the U.S. racial wealth gap has also been actively being brought to public light. Speak Money deepens this conversation in a witty and relevant-to-the-times way by equipping readers with the tools needed to learn the foundational personal finance skill sets to take ownership of your finances. Speak Money covers everything from understanding budgeting, building savings and credit, picking the right insurance, going about your taxes, picking the right insurance and employer benefits, and investing in anything from stocks to NFTs, cryptocurrency, and metaverses! Readers will learn about the roots of phenomena across the spectrum like the 2008 financial crisis to the drastic rises and falls of GameStop and DOGE coin. The content of Speak Money stems from the curriculum distributed by Fulphil, a 501(c)3 nonprofit organization that has created engaging and fun trajectory-changing educational content for thousands of youth nationally to empower them to succeed in their careers and make a positive impact in the world. The very content of this book has been distributed to various classrooms nationally to teach youth and young professionals how to understand how to build their wealth to obtain the lifestyle they want to live.