Mike MichalowiczBusiness Author & Keynote Speaker Empowering Entrepreneurs

FINANCIAL STRUGGLE IS REAL - AND there's a system to help grow your money. #themoneyhabit #money

23 Jan 2026 · 1 min

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In this brief monologue, the speaker recounts a period of severe financial distress marked by collection and debt‑consolidation notices, which became publicly visible when even the mail carrier was aware of the situation. The public nature of the hardship motivated the speaker not only to resolve their own finances but also to help others avoid similar embarrassment. This drive led to the creation of a personal‑finance program called "The Money Habit," intended to provide a systematic approach for people to improve their financial health.

One of the hardest moments of my life was the day, the days, the weeks, the months where I got collection notices and debt consolidation notices. I was struggling so much financially, and I realized this isn't a private matter. This is public. My mailman knows I'm struggling. It's on public record. That inspired me to fix it for myself and fix it for others, too. That's why I wrote the Money Habit.