Tony Manganiello

Best-Selling & Award Winning Personal Finance Author & Financial Strategist, & Speaker

30 Years Of Experience Helping Families Break Free from The Payment Matrix and Build Lasting Wealth

"I'm on a mission to teach 1 million new families how to transform their payments into prosperity."

~Tony Manganiello

Best-Selling & Award Winning Personal Finance Author

3-Time

Inc. 5

Executive

Multi-Million Dollar Business Builder

Tony Manganiello

Best-Selling & Award Winning Personal finance Author & Financial Strategit, & Speaker

30 Years Of Experience Helping Families Break Free From The Payment Matrix And Build Lasting Wealth

"I'm on a mission to teach 1 million new families how to transform their payments into prosperity."

~Tony Manganiello

Best-Selling & Award Winning Personal Finance Author

3-Time

Inc. 500 Executive

Multi-Million Dollar Business Builder

A 30-year journey to financial mastery

Tony Manganiello interviewed by Pat Robertson of the 700 Club February 22, 2010

Brief Bio

Tony Manganiello is a best-selling, award-winning personal finance author and strategist, and speaker with nearly 30 years of experience helping families transform their financial futures. Tony has dedicated his career to showing individuals how to break free from the constraints of the Payment Matrix — a financial system that traps millions in a cycle of debt — and to helping them build lasting, tax-free wealth. His latest book, Transforming Payments Into Prosperity, is the crescendo of decades of work, offering actionable strategies that enable families to escape financial enslavement and turn everyday payments into prosperity.

With hands-on experience running a debt settlement company, conducting thousands of cash-flow analyses, and developing financial education systems and software that have helped over 3,000,000 people, Tony’s work has individuals and families transform their payments into prosperity.

Tony being interviewed by Pat Robertson of the 700 Club February 22, 2010

Tony Manganiello interviewed by Pat Robertson of the 700 Club February 22, 2010

Tony's 30-Year Journey

For nearly three decades, Tony Manganiello has been on a mission to help families break free from financial stress and build lasting wealth. His journey began with a deep personal understanding of the impact that financial strain can have on family life — an insight gained from a pivotal moment at his family’s kitchen table when Tony was 11 years old.


At just 11 years old, he was faced with the heavy task of trying to convince his father to come back home — a plea filled with love, hope, and forgiveness. But when his father walked out that day, it left an emotional and financial void that reshaped the trajectory of Tony’s life.

The emotional and financial void left by his father’s departure inspired Tony to explore the connection between financial hardship and family dynamics.


This passion for helping families led Tony to become a leading personal finance expert. From 2003 to 2008, Tony owned and operated a debt settlement company where his team conducted nearly 20,0000 Cash-Flow Analyses for households across the country. This experience gave him unparalleled insight into the financial challenges families face and allowed him to develop powerful strategies to help them escape the burden of debt.


Tony’s work soon expanded through his partnership with Nightingale-Conant and John Cummuta, bringing his DebtFree Software to over 3 million people. He continued to simplify personal finance through best-selling programs like The Credit Solution and Great Credit for a Lifetime, which helped hundreds of thousands of people take control of their credit and improve their financial futures.

Tony and John Cummuta

Tony and Brendon Burchard

Experience Tony’s engaging, results-driven teaching style From His Courses, crafted to deliver real financial insights your audience can benefit from immediately.

From Tony's Latest Course - Your Prosperity Formula: Generating Your Transformation Plan

- The Interest Rate Myth -

From Tony's DebtFreeTM Millionaire System

In The Media

Winner of the Best of Best Review: Best Personal Finance Book for Financial Freedom of 2024, Tony's latest book, Transforming Payments Into Prosperity: Escape The Payment Matrix, Become Debt Free, And Skyrocket Your Wealth Potential, is the crescendo of decades of experience helping families build lasting wealth. The book has been featured in many media outlets, receiving widespread acclaim for its practical, actionable strategies.

Here are just a few of the hundreds of media outlets who have picked up on Tony's latest book:

The Mission To Help 1 Million New Families


Tony’s work, through his partnership with John Cummuta and Nightingale-Conant, has already reached 3 million families, but his mission doesn’t stop there. Over the past dozen years, Tony has extensively researched a century-old strategy used by some of the wealthiest families and corporations — including 700 of the Fortune 1,000 companies and iconic brands like Disney and JC Penney. This strategy has become the foundation of his latest book, Transforming Payments Into Prosperity.


Tony’s mission is to bring this powerful wealth-building approach to 1 million more families, helping them break free from the Payment Matrix, the financial system that traps millions in a cycle of debt. Drawing on both his personal journey and professional expertise, Tony believes that managing personal finances is not just about securing financial freedom — it’s about restoring joy, security, and well-being to families.


With Transforming Payments Into Prosperity, Tony provides families with actionable strategies to reclaim control over their finances, turn everyday payments into prosperity, and build tax-free, generational wealth. His mission is clear: to help families escape financial stress and create a future where their kitchen table discussions are filled with hope and possibilities, not financial anxiety.


Industry Leadership & Advocacy


Testifying Before The Federal Trade Commission

In November 2009, Tony Manganiello testified before the Federal Trade Commission (FTC), lending his expertise and voice to the critical need for ethical standards and consumer protections within the debt management industry. His testimony focused on three essential themes:

  • Responsibility in Lending: Tony highlighted the pressing need for creditors to act responsibly, especially when lending to vulnerable populations, like individuals on fixed incomes. He emphasized how unchecked credit extensions contribute to financial distress for families, advocating for lending practices that consider the long-term financial stability of borrowers.

  • Immediate Budget Relief for Families: Unlike many industry perspectives that viewed debt relief solely as the eventual outcome of a settlement, Tony argued for the necessity of providing budgetary relief from the beginning of a debt management program. His approach prioritized helping families adjust their monthly finances immediately, allowing them to regain a sense of control over their budgets.

  • Preserving Consumer Choice: Tony expressed concern about the potential unintended consequences of new regulations, such as an advance fee ban. He warned that stringent regulations could eliminate reputable debt relief organizations, ultimately reducing options for consumers seeking financial relief. Tony urged the FTC to carefully balance regulation with consumer choice, advocating for policies that protected families while allowing them access to legitimate debt relief resources.

Through his testimony, Tony championed the needs of everyday Americans, emphasizing that financial relief should prioritize immediate stability and long-term well-being. His advocacy at the FTC was more than just industry commentary — it was a call to action for a debt management approach that protects families, respects consumer choice, and promotes responsible financial practices. This commitment to ethical financial guidance continues to drive Tony’s mission today, as he helps families across the nation transform their payments into lasting prosperity.

If you would like to read Tony's testimony, click here. He's introduced on page 226 and his testimony begins on page 239.


Serving On The Board of The United States Organiztion for Bankruptcy Alternatives

Tony has actively shaped the debt settlement industry through his role on the advisory board of the United States Organization for Bankruptcy Alternatives (USOBA). In this role, Tony advocated for consumer protection and ethical standards within the debt management sector, ensuring that families had access to responsible alternatives to bankruptcy.


Tony’s influence extended to regulatory discussions where he worked alongside industry leaders to address challenges facing debt relief programs. His efforts with USOBA underscore a career-long dedication to supporting families in financial distress, advocating for solutions that empower consumers without compromising integrity. This advocacy reflects Tony’s unwavering commitment to guiding families toward a future of financial independence and well-being.

Tony presenting at USOBA

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Tony Manganiello

Best-Selling Personal Finance Author

3-Time Inc. 500 Executive

Multi-Million Dollar Business Builder

Call (602) 833-2939

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