Let me guess.

You don’t actually hate money.

What you hate is how money makes you feel.

Anxious. Behind. Guilty. Confused. Maybe even a little ashamed.

And if that’s you, first of all, welcome. You’re in very good company. I’ve been there. More than once. Sometimes with commas in my bank account. Sometimes without. Sometimes with a minus sign.

Money doesn’t magically become “easy” when you have more of it.

It just becomes louder.

Louder expectations.
Louder fears.
Louder stories about who you’re supposed to be now.

Which is why I don’t really want to talk to you today about how much money you make.

I want to talk to you about how you relate to money. Because that’s where everything quietly and permanently changes.

The Real Problem Isn’t Money

For years, I was convinced my money problems were math problems.

If I could just earn more, save better, invest smarter, budget harder…then surely I’d finally feel “good” about money.

So I tried all of it. And I don’t mean casually, I mean obsessively.

Spreadsheets. Systems. Strategies. Hustle. More hustle.

And yet, even when the numbers improved, something still felt off.

I didn’t trust money. Worse? I didn’t trust myself with money.

That’s when I stumbled onto a truth that was uncomfortable… and incredibly freeing:

Money isn’t a numbers issue.

It’s a habits issue.

Not habits like “don’t buy lattes” or “cancel Netflix” (though if that brings you joy and a little extra cash, I’m cheering for you).

I’m talking about the invisible habits:

How you think about money.
How you talk to yourself about money. 

How your body reacts when you open your bank app.
How your mood shifts when a bill arrives… or when a deposit hits.

Those habits quietly run your financial life far more than any app ever will.

The Habit That Changed Everything for Me

There’s one habit that reshaped my entire relationship with money. And it’s so simple: 

I started paying attention, and without judgment.

Not obsessively. Not neurotically. Just… intentionally. I stopped avoiding my numbers like they were a bad ex. And I stopped staring at them like they were a crystal ball predicting my destiny.

Instead, I started treating money like what it actually is:

Data.

Information.

Not a verdict on my worth. Not proof that I was “winning” or “losing.” Just data. Neutral. Useful. Calm.

And that single shift changed everything. Because when money becomes information instead of identity, you suddenly have power again. You stop saying, “I’m bad with money.” And start saying, “Oh… that’s what’s happening.” And that’s where peace starts sneaking in.

Why We’re So Hard on Ourselves About Money

Let’s be honest: we don’t talk about money like adults.

We whisper about it. We brag about it. We avoid it. We compare it. We weaponize it against ourselves.

Somewhere along the line, money stopped being a tool and became a mirror. And most of us don’t like what we think we see.

But here’s what I want you to hear clearly:

Your bank account is not your character report card.

You are not irresponsible because you struggled.
You are not superior because you didn’t.
You are human because money is emotional.

Always has been. Always will be.

So if money feels heavy, complicated, or charged for you, that doesn’t mean something is wrong with you. It means you’re paying attention. And that is the beginning of something really good.

Tiny Shifts That Create Massive Relief

I’m not here to tell you to overhaul your entire financial life in a weekend. Honestly, that sounds exhausting. Instead, let’s talk about small shifts that stick.

Here are a few that changed things for me:

I separated “how much I have” from “how I feel.”
Some days the numbers were great and I felt terrible.  Some days the numbers were tight and I felt calm. That taught me something very important: Feelings and finances are related… but they are not the same thing.

I created rhythms instead of dramatic plans.
No “new financial me” speeches. Just simple, repeatable behaviors I could actually maintain. Money doesn’t respond well to grand gestures. It responds beautifully to consistency.

I started asking better questions.
Not: “Why am I so bad at this?”
But: “What’s one small thing I can do differently this week?”

That question alone is quietly powerful.

You Don’t Need to Be Perfect. You Need to Be Present

One of the biggest myths about money is that you need to “get it right” before you can feel okay. But what if feeling okay is actually what helps you get it right? What if peace with money doesn’t come after control…but before it?

What if the real win isn’t domination over your finances but a healthier relationship with them? Because when you stop fighting money, you stop fighting yourself. And that frees up energy for things that actually matter:

Your family. Your creativity. Your health. Your business. Your joy. Which, ironically, often leads to better financial decisions anyway. Funny how that works.

Why I Wrote The Money Habit

I didn’t write The Money Habit because the world needs another money book. We have plenty of those. I wrote it because I think the world needs a gentler, more honest conversation about money. One that says: You don’t need to be fearless with money.
You just need to be familiar with it.

You can build wealth and peace at the same time. 

Not by becoming a different person…
but by becoming more intentional about the habits you already have.

And maybe replacing a few that no longer serve you.

A Quiet Invitation

If any part of this feels familiar; the stress, the avoidance, the quiet hope that it doesn’t have to feel this hard..

This book is a new companion for you and will walk with you as you build a healthier, calmer, more sustainable relationship with money one habit at a time.

Because money doesn’t need to be your enemy. And it certainly doesn’t need to define you.It can simply be part of your life. Not the loudest part. Not the scariest part. Just a part you understand, respect, and no longer fear.

That alone is a kind of wealth most people never experience.

Here’s to building that together.

– Mike

PS. The Money Habit is available for preorder now! Grab the hardcover, digital, or audio version for your convenience.

PSS. Launch day is the 27th, and you better believe there’s a party! There will be FIFTY other leaders joining me. Stop in for a while, or a short time. Check out who’s attending here so you can catch the action! Besides, there are giveaways and bonuses!

Multibook offers: https://themoneyhabit.pages.ontraport.net/multibook

Mike’s promo page for the launch party: https://mikemichalowicz.lpages.co/launch-day-extravaganza-mike-host-page/