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The Money Habit: The Worry-Free Way to Financial Independence
Money. What if you never had to worry about it again?
In the follow-up to his international bestseller Profit First, entrepreneur and money expert Mike Michalowicz reveals how to achieve financial freedom by working with your natural habits rather than trying to change them. His Profit First model has already helped over a million businesses and entrepreneurs achieve financial independence. Now, with The Money Habit, he brings that proven system to personal finance.
Most financial advice demands strict budgets, sacrifice, and cutting back on life’s joys, yet only 9% of people stick with these approaches. Other systems rely on complex tools or require adopting entirely new behaviors, leading to similarly grim results.
Michalowicz offers a radically simple alternative, guiding you to leverage your existing habits for financial success. By categorizing money into distinct bank accounts, you will instantly gain cash clarity, track spending, and feel empowered, all while maintaining financial responsibility. He provides actionable steps to align your finances with your lifestyle and goals — whether those are to get out of debt, spend some money, save for a big purchase, or plan for the future — illustrated with lessons from his own journey, from losing his first fortune to regaining financial freedom.
The truth is humans have always been wired for financial success, yet we are trying to master methods that work against our natural tendencies. The Money Habit is it simply activates what’s already within you. This essential guide delivers a proven, sustainable approach to financial stability, security, and long-term wealth without forcing you to change who you are. All you need to do is activate your money habit.
In the follow-up to his international bestseller Profit First, entrepreneur and money expert Mike Michalowicz reveals how to achieve financial freedom by working with your natural habits rather than trying to change them. His Profit First model has already helped over a million businesses and entrepreneurs achieve financial independence. Now, with The Money Habit, he brings that proven system to personal finance.
Most financial advice demands strict budgets, sacrifice, and cutting back on life’s joys, yet only 9% of people stick with these approaches. Other systems rely on complex tools or require adopting entirely new behaviors, leading to similarly grim results.
Michalowicz offers a radically simple alternative, guiding you to leverage your existing habits for financial success. By categorizing money into distinct bank accounts, you will instantly gain cash clarity, track spending, and feel empowered, all while maintaining financial responsibility. He provides actionable steps to align your finances with your lifestyle and goals — whether those are to get out of debt, spend some money, save for a big purchase, or plan for the future — illustrated with lessons from his own journey, from losing his first fortune to regaining financial freedom.
The truth is humans have always been wired for financial success, yet we are trying to master methods that work against our natural tendencies. The Money Habit is it simply activates what’s already within you. This essential guide delivers a proven, sustainable approach to financial stability, security, and long-term wealth without forcing you to change who you are. All you need to do is activate your money habit.
- GenresFinanceNonfiction
224 pages, Hardcover
Published January 27, 2026
45 people are currently reading
78 people want to read
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Displaying 1 - 2 of 2 reviews
January 28, 2026
“The Money Habit” will be helpful for people who can't figure out where their money is disappearing to every month. It’s geared towards people working jobs with paychecks, as opposed to entrepreneurs. So the structure that’s suggested isn’t fully applicable to entrepreneurs and solopreneurs, who will benefit more from reading Mike’s book “Profit First,” which I fully recommend.
If you want to wrap your head around basic concepts of categorizing your money (important for growth) and feel motivated in the process, Mike’s writing style is fun and easy to take in.
As a big fan of “Profit First,” I was disappointed that this book didn’t offer the same level of insights. However, it’s geared primarily towards people with a salaried job. Taxes are glossed over a bit, understandable since everyone’s situation is unique but still a significant component of financial planning. I would have liked for the book to address several different scenarios of how people live, which admittedly would be a big undertaking.
The book doesn’t cover how to blend working with the Profit First system for business with this personal financial system.
If you’re at sea with your finances, there are good concepts and suggestions here. As a big fan of Mike Michalowicz’ work and the Profit First system, I’m always up for taking in his work and believe everyone can benefit from his insights.
If you want to wrap your head around basic concepts of categorizing your money (important for growth) and feel motivated in the process, Mike’s writing style is fun and easy to take in.
As a big fan of “Profit First,” I was disappointed that this book didn’t offer the same level of insights. However, it’s geared primarily towards people with a salaried job. Taxes are glossed over a bit, understandable since everyone’s situation is unique but still a significant component of financial planning. I would have liked for the book to address several different scenarios of how people live, which admittedly would be a big undertaking.
The book doesn’t cover how to blend working with the Profit First system for business with this personal financial system.
If you’re at sea with your finances, there are good concepts and suggestions here. As a big fan of Mike Michalowicz’ work and the Profit First system, I’m always up for taking in his work and believe everyone can benefit from his insights.
Review of advance copy
The Money Habit is a groundbreaking guide that turns conventional financial advice on its head. Mike Michalowicz takes the wisdom from his bestselling Profit First system and adapts it to personal finance in a way that feels intuitive, practical, and achievable. Instead of relying on restrictive budgets or forced behavioral changes, Mike leverages the power of existing habits to create real, sustainable financial freedom.
What makes this book exceptional is its focus on human nature and actionable simplicity. By categorizing money into distinct accounts and aligning spending with goals and lifestyle, readers gain clarity, control, and confidence over their finances. The Money Habit is not just a book, it’s a financial empowerment system designed to help anyone build wealth, avoid common pitfalls, and embrace a worry-free approach to money.
What makes this book exceptional is its focus on human nature and actionable simplicity. By categorizing money into distinct accounts and aligning spending with goals and lifestyle, readers gain clarity, control, and confidence over their finances. The Money Habit is not just a book, it’s a financial empowerment system designed to help anyone build wealth, avoid common pitfalls, and embrace a worry-free approach to money.
Displaying 1 - 2 of 2 reviews