Mike Michalowicz’s Letter to Librarians

In THE MONEY HABIT, Mike Michalowicz reveals how to achieve financial freedom by working with your natural habits rather than trying to change them. In his letter to librarians, he shares how his elementary school librarian led him to a lifelong love for books, and how his new book can be a resource to help patrons feel in control of their money.

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Dear Librarians,

At my elementary school library, I met Mrs. Mills, an extraordinary librarian. I admitted to her that I wasn’t a reader. Her response was one of pure, non-judgmental insight: “I wonder if the right book hasn’t found you yet.” Her intuition led her to encourage me to read THE NEVERENDING STORY by Michael Ende, translated by Ralph Manheim. “Just crack it open,” she said. “I think this book might be looking for you.” Three pages in, I was hooked. That single interaction began my lifelong love for books.

For over two decades, I have been a full-time author committed to one thing: helping people solve their financial problems and achieve stability. My work includes bestselling books like PROFIT FIRST and FIX THIS NEXT. Additionally I have created systems that have been used by millions of businesses and individuals. My newest book, THE MONEY HABIT: THE WORRY-FREE WAY TO FINANCIAL INDEPENDENCE, is the culmination of this work, translating my client-validated, habit-based methods from the conference table to the kitchen table.

I know firsthand the transformative power of a clear, simple system. I developed the process that saved my business and restored my family’s financial security, which became PROFIT FIRST. However, the same psychological barriers and ineffective, scarcity-based systems that plague businesses are keeping individuals from achieving financial independence. Countless people, irrespective of their income, still live paycheck to paycheck because they lack a system that works with their natural habits, not against them.

That’s why I wrote THE MONEY HABIT. This book is the natural next step in my mission to eradicate money struggles. It replaces complex, guilt-inducing budgets with an easy setup that creates a self-running system of six bank accounts: INCOME, NEEDS, WANTS, DREAMS, FIX/FUTURE, and EMERGENCY. The system leverages the common act of regularly checking a bank balance (a habit nearly everyone already has) to provide instant clarity and control, which builds “cash confidence.”

For your patrons, whether they are navigating the stress of debt, saving for big goals, or simply seeking peace of mind, this book offers a simple, intuitive path to feeling in control of their money for the first time. It is a system designed to work for anyone, regardless of income level, debt load, or financial literacy.

I believe libraries are a key partner in this mission. Like Mrs. Mills, you provide the essential, non-judgmental spaces and resources where people seek solutions to life’s biggest challenges. By carrying THE MONEY HABIT on your shelves, you are offering your community a practical, step-by-step framework to replace financial fear with clarity, and to turn a life of quiet desperation into one of peaceful control.

Thank you for your tireless work and for creating spaces of possibility. I hope my book can be a tool in your mission.

I think Mrs. Mills would be proud of us both.

Sincerely,

Mike Michalowicz
Author of THE MONEY HABIT