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In the follow-up to his international bestseller Profit First, entrepreneur and money expert Mike Michalowicz introduces a new way to achieve financial freedom, by working with your natural habits instead of fighting them.
His Profit First method has already helped over a million businesses take control of their finances. With The Money Habit, Mike brings that same proven, behavior-based system to personal money management, using your bank accounts as the engine.
The Money Habit is a simple personal finance system built around one powerful idea: When money is organized correctly, good decisions happen naturally.
Instead of tracking every dollar or relying on willpower, the system uses multiple bank accounts, each with a clear purpose, to create instant clarity and control.
That’s where Dream First Bank comes in.
Through a strategic partnership, the habit-based system outlined in The Money Habit is brought to life directly inside your Dream First bank accounts. No spreadsheets. No budgeting apps. No constant monitoring.
Dream First provides the multi-account banking structure that makes the system automatic, so the method isn’t just something you read about, it’s something you live every day.
Traditional money advice relies on rigid budgets, sacrifice, and constant self-control. The result? Only 9% of people stick with those systems long-term.
The Money Habit takes a radically different approach.
By organizing your money into clearly defined accounts, you gain:
No behavior overhaul required.
Whether your goal is to:
The Money Habit gives you clear, actionable steps, brought to life through real examples from Mike’s own journey, from losing his first fortune to rebuilding lasting financial freedom.
The problem isn’t you. It’s the systems you’ve been told to use.
The Money Habit activates what already exists within you. And when paired with Dream First Bank’s account-based tools, it becomes a simple, sustainable way to manage money without forcing you to change who you are.
The system starts with the book.
Get The Money Habit and learn how to set up your money to work automatically, starting the moment it hits your bank accounts.
If managing money feels overwhelming, this flips the script. The Money Habit turns your financial goals into a simple daily routine that builds confidence, profit, and long-term security.
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