SKU: 41047865982

The Money Habit: The Worry-Free Way to Financial Independence

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The Money Habit: The Worry-Free Way to Financial IndependenceUSA Today Bestseller 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

USA Today Bestseller

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.

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SKU: 41047865982

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4.1 ★★★★★
Based on 14 reviews
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Verified Purchase
Crad
Battle Creek, US
★★★★★ 4
8/10 Front Pocket Wallet
Color: Black (Front Pocket)
It's a pleasing solution for me. The slim, pocketed design fits well in my front pocket. It probably fits other pockets well too. It's not perfect. But, it's solving for an imperfect solution that Apple is takling with their phones. Tap to pay with phones and digital ID will change the market for wallets. The physical size of cards limits how readily you can access any one card. It takes a bit of extra dexterity to pinch or slide some of the cards out. Ideally you'd have 4 on the outside, with remaining cards tucked in the center pocket. I just need more than 1/4 inch of card face to slide one out readily.
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Reviewed in the United States on April 12, 2026
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Verified Purchase
David Poll
Natrona Heights, US
★★★★★ 5
Very nice wallet.
Color: Carhartt Brown (Trifold)
Very nice.
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Reviewed in the United States on April 22, 2026
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Verified Purchase
D. A.
Waukegan, US
★★★★★ 5
Size
Color: Black (Bifold)
It’s not a thick wallet, which is what my husband likes. Makes sitting or driving for long periods with it in his back pocket better. Has everything larger wallets have. Will purchase it again.
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Reviewed in the United States on March 19, 2026
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William P
Fort Morgan, US
★★★★★ 5
Rugged wallet built to last (even if wallets themselves are becoming obsolete)
Color: Black (Trifold), Color: Black (Trifold)
This is a really well-made wallet. If you’re familiar with Carhartt products, the construction here is exactly what you’d expect: tough, practical, and clearly designed to take some abuse. The material is "700D nylon duck fabric", which feels thick and durable—more like a piece of work gear than a fashion accessory. In the photos you can see the tight stitching, heavy canvas-like texture, and reinforced seams, all of which suggest it should last for years. It feels like the kind of wallet that could live in a back pocket, get sat on, tossed around, and still keep going. Inside, the layout is simple and functional. The see-through mesh ID window is one of my favorite touches—it makes it easy to show an ID without removing it. The card slots are snug and the trifold layout keeps everything organized. There’s also a small zippered pocket, which you can see in the photos along the side. It’s not huge, but it can hold a few coins or maybe a couple of small keys. The wallet also includes RFID blocking, which is nice if you’re concerned about wireless card scanning. On the flip side, that also means you can’t just tap the wallet against a reader for contactless payments. You’ll need to take the card out first. Carhartt also advertises water resistance, which makes sense given the nylon construction. Realistically, most of us aren’t dunking our wallets in water, but it’s nice to know it could handle rain or the random spill (though come-on! How often does that happen with a wallet??) One interesting thing: wallets themselves are starting to feel a little outdated. I rarely carry one anymore, and most of my family uses phone wallets or digital payments. But if you’re someone who still likes having a physical wallet for cards, ID, and some cash, this is a solid one. It’s a simple, rugged, no-nonsense wallet that should last a long time - very much in line with the Carhartt reputation. If you’re still in the wallet camp, this is a dependable choice. Plus it makes a nice gift.
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Reviewed in the United States on March 2, 2026
C
cella wilson
West Palm Beach, US
★★★★★ 5
Sturdy, well-made wallet
Color: Black (Trifold)
Sturdy, well-made wallet, soft to the touch. nice looking. seems comfortable enough in the back pocket. good size. made from quality materials.
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Reviewed in the United States on May 1, 2026

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