Mike MichalowiczBusiness Author & Keynote Speaker Empowering Entrepreneurs

Money Answers Part 14 - Do you have any money left? #money #financialfreedom #shorts

4 May 2026 · 1 min

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In this YouTube short, Mike Michalowicz answers a viewer’s question about what to do with a $50 surplus at the end of the month. He explains that, within his Money Habit System, any leftover money in the income account should stay there so it can be evenly redistributed during the next dispersion, effectively acting as a small raise. If the surplus appears in a specific expense category, it should be left as a buffer for future use. When surplus is consistently present, the money can be re‑inserted into the income pool and allocated according to the system’s predetermined ratios, rather than arbitrarily moving it to another account like retirement.

Chapters

If I have $50 at the end of the month, which doesn't happen often, LOL, what should I actually do with it? It depends on what you're saying in this email. If you have $50 left at the end of the month and it doesn't happen often, do you mean you have zero left or do you mean you have more than $50 left? I'm assuming you mean zero. When there's money left over after allocation, so you're following the Money Habit System, as money comes in, you categorize it accordingly and there's a surplus, let it stay in the income account. That way on the next dispersion, it'll get equally split up. It's effectively a small raise in your income. So if you're consistently having $50 left, you're reinserting an income, you can amplify your needs. I think the natural response is, oh, you have $50 left? Why don't you just throw it into a different account like retirement or something like that? Now, it's hard to understand from this question. If you have $50 left in a category, you let it ride. That's a buffer. And so just let it stay in that account for future use. But if you have $50 left on your income account, effectively, that's when we divide it up based upon the ratios.