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CHANGE. The exchange of money for money. The giving, for example, dollars for eagles, dimes for dollars, cents for dimes. This is a contract which always takes place in the same place. By change is also understood small money. Poth. Contr. de Change, n. 1.

A Law Dictionary, Adapted to the Constitution and Laws of the United States. By John Bouvier. Published 1856.
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* the second it's a changing step by step, depending on the decisions and activities of agents
Ask for help making decisions, taking life changing steps and get in a word of wisdom too.
And here I was expecting some real game changing steps or examples, at least to affirm author's claim to help people becoming super rich by reading this epitome of good breeding.