Mike Michalowicz

speaker

1,537 appearances 2 recordings 1 series first heard Feb 2026 last heard 20 Feb

Mike Michalowicz’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 2 in all, peaking in Feb 2026 with 2.

Appearances

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Young and Profiting (YAP) with Hala Taha: Entrepreneurship and Self-Improvement Podcast · Mike Michalowicz: Stop Living Paycheck-to-Paycheck and Build Lasting Wealth in 2026 | Finance | E386 · 16 Feb 2026 podcast

Personal finance principles tell us deprive yourself.

So that works for very few people.

The other one is to use budgeting systems or technology or something that is outside your normal pathway.

So don't look at your bank account, instead set this other system to do things.

And those can work, but it requires you to change your habits.

It's very difficult for humans to change.

So what I argue is don't change who you are, channel who you are.

If you log into your bank account, the budget needs to be at the bank level, and we need to set these accounts there, because now you don't have to change a thing about yourself.

You continue your behavior, but the system is showing you what's available for what purpose.

Yeah, so I think most people are pursuing financial freedom, and I think that's a great aspiration, but I think there's a step before it.

So financial freedom is where I don't worry about money.

I decide, you know, I want to go to the Caribbean.

It's getting a little cold here in the winter.

Let me hop on a jet, maybe my own jet, and go to the Caribbean, and not have to worry about a single dime.

That's what financial freedom is.

I can do what I want at the whim of a thought,

And I don't have to worry about the cost.

That's a great aspiration.

I think there's a step before that.

I call it financial independence.

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