博客來用最簡單、符合人性的方式
管好每一分錢，邁向真正的財務自由
你是否也因為對金錢缺乏安全感，長期壓抑花錢的慾望、拼命存錢，一再擱置真正想實現的夢想？又或者總是難以克制購物衝動，別說退休規畫，就連基本的緊急預備金都岌岌可危？
傳奇創業家麥可．米卡洛維茲（Mike Michalowicz）著有《南瓜計畫》（The Pumpkin Plan）、《發條法則》（Clockwork）等多本商管暢銷書，其中最廣為人知的經典之作《獲利優先》（Profit First），成功協助全球數十萬家企業穩定現金流，並提升獲利能力。
如今，他將首度完整分享自己從一夕致富、跌落谷底，到重新建立財務自由的親身歷程，並公開一套順著人性運作的金錢管理方法。透過建立清楚分工的帳戶結構，讓金錢自動完成分配，你不必再對抗慾望，也無須仰賴複雜計算，就能清楚掌握每一筆錢的去向。
無論你的理財目標是擺脫債務、安心消費，還是為夢想累積資金，《金錢習慣》簡易高效的系統，將讓金錢分配與生活目標自然對齊。只要落實這套方法，未來查看銀行帳戶時將不再焦慮，取而代之的是充滿底氣的掌控感與自信。(文/博客來編譯)
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.
