Hi, I’m Dr. Charley Thomas
I wrote The Credit Card Game: How to turn your credit card into an Asset and not a Liability, because I believe your health and your finances are the two foundations of a free, balanced, and intentional life and most people are never taught how deeply the two connect.
My background as a clinical pharmacist gave me a front-row seat to how health disparities are fueled by lack of resources, lack of financial literacy, and limited access. Coming from those same communities myself, I understood it personally.
Through my own journey, from growing up in under-resourced areas to becoming a pharmacist, entrepreneur, and investor, I realized the gap wasn’t just about earning money. It was about learning how to make money work for you. That’s what led me to credit, real estate, and eventually creating the Financial Soft-Life™ philosophy: a way of living where money, wellness, and mindset are aligned, so you can build wealth with clarity and intention.
Creator of the Financial Soft-Life™
Author of The Credit Card Game
Licensed Clinical Pharmacist
Entrepreneur & Investor
Turning Everyday Choices into Lasting Assets
Everything I teach comes from lived experience. I help you make everyday choices around credit, money, wellness, and mindset that build real, lasting value in your life.
Here’s what you’ll gain from my approach:
Financial Assets: Use credit strategically, pay it off efficiently, and leverage it to fund investments, rewards, and bigger opportunities.
Time Assets: Organize your habits and finances so your daily choices free up time and energy for what matters most.
Wellness Assets: Strengthen your mind and body with practical habits that support clarity, focus, and confident decision-making.
Knowledge Assets: Decode complex systems like credit, real estate, and financial planning so you can act with certainty, not guesswork.
Lifestyle Assets: Align your life with purpose and values, creating freedom, intentionality, and balance in every area.
Building a Financial Soft-Life™
Key milestones and expericenes that shaped my approach to money, wellness, and lifestyle.
Author of The Credit Card Game
Turns credit cards into strategic assets, not liabilities.
Shows how everyday spending can create long-term financial leverage.
Helped clients to secure nearly $1 million in credit card funding at 0% introductory APR.
Creator of the Financial Soft-Life™ Philosophy
Aligns money, wellness, and mindset for clarity and freedom.
Provides practical strategies to build wealth while living intentionally.
Helps individuals to make everyday choices that become lasting personal assets.
Licensed Clinical Pharmacist
Brings first-hand insight into health disparities and systemic challenges.
Uses clinical expertise to guide wellness-informed financial decisions.
Provides a unique perspective where health and finances intersect.
Entrepreneur & Investor
Offers accessible luxury housing for families often overlooked.
Furnished homes for homeless veterans and others in need.
Founder of ESV Tea- #1 Pharmacist-crafted wellness tea.
Other Interests
Exploring, learning, and living fully beyond my work.
Travel & Culture:
I love immersing myself in the heart of a place, learning its history, culture, and food, whether it’s walking the streets of Bali, discovering Chicago’s rebuilding story, or exploring local traditions in Mexico.
Fitness & Wellness:
Pilates, hot yoga, long outdoor walks, and now even golfing. Activities that energize my body, mind, and spirit.
Architecture & Design:
I’m fascinated by the structure and story behind buildings, interior spaces, and creative design.
Fashion & Lifestyle:
I enjoy embracing style, personal expression, and the everyday joys of being a woman.
Curiosity & Learning:
Constantly exploring new ideas, perspectives, and experiences to expand my world and my understanding of others.
