Tonya Rapley

Author of 'The Money Manual'


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Exclusive Q&A With Tonya Rapley:

What’s the one piece of money advice you wish everyone would follow?

Spend less than you earn. When it comes to money, you can’t outsmart the math. No amount of spreadsheets or financial advice can counter overspending.

What’s the most important thing to do to build wealth?

Maximize your earning potential and then consistently position your money to make more money through active and passive investments.

What’s your best tip for fighting the impacts of inflation?

Cut back on the non-necessities and find ways to increase your income.

What’s the biggest mistake people make when it comes to money?

They try to work on too many things related to their financial journey at one time instead of focusing on education and action around one goal at a time.

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Rapley was deemed the “New Face of Wealth Building” by Black Enterprise Magazine in 2014.

Her financial advice has appeared in U.S. News, NY Daily News, BuzzFeed,, The Root,, Reuters, Refinery29, Centric and several other media outlets.