The Money Habit

The Worry-Free Way to Financial Independence

De: Mike Michalowicz

Narrado por: Mike Michalowicz

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 different: 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.

Additional content from Jean Chatzky, Pete Adeney, Ramit Sethi, Tiffany Aliche, Garrett Gunderson, Chris Guillebeau, Hala Taha, Justin Bennett, J L Collins, and Jack Raines.

©2026 Mike Michalowicz (P)2026 Mike Michalowicz

Definitely worth the read.

Mike Michalowicz has a fun and entertaining voice which is partly what makes this book so powerful. As a topic, money and conversations around money are loaded with potential triggers. Mike gives practical strategies that are easy to understand and implement (seriously- I completed ALL of them while I listened). His examples and stories are clear and super compelling.

I’ve read and recommended most of his books. Typically when I recommend it comes with a warning- it’s REALLY good but there are a TON of dad jokes that’ll make you cringe - especially the audio version- it’s like he can’t help himself (and you should definitely still listen multiple times).

Not sure if it’s because his kids are grown but this book has very few. Weirdly, and I’m kinda embarrassed to admit it— i missed them (just a little).

Great book 1000% recommend it.

Great tips

This book has great tips, and is read by the author who is obviously excited about the things he’s teaching. It’s engaging, and easy to follow!

However, they need to have an editor go through and clean up the audio. There were 10-15 times thought the book where the author repeated himself and that wasn’t cut out by an editor. Embarrassing!!

Love these actionable recommendations!

Mike, I love how you make these so simple and step-by-step. I’m generally a pretty smart guy, I think, but sometimes I feel really dumb when I have to try and pick out relevant/executable parts. Yours is very clear and understandable.

Great, applicable advice!

I heard about this book less than a week ago during a life insurance training webinar for work. I have not only listened and enjoyed the book but I have implemented The Money Habit system. I am so excited to take control of my finances!! Thank you, Mike!!!

Making Money Management Easy

The Money Habit reveals money management as a behavior issue, not a math one. Mike shows how most money stress comes from bad systems, not bad people, and how simple changes can make a big difference over time. Using his trademark humor and real-life stories, Mike makes The Money Habit relatable and human, not preachy or technical. The goal isn't to get rich, it's to feel calm, confident, and finally in control of your money.