Hello and welcome to the Achieve Your Goals podcast, the show that empowers you to wake up to your full potential and achieve your biggest goals and dreams.

I am your host, Hal Elrod, and I invite you to join us each week as we share actionable strategies to take your life to the next level,

as well as interview world-class experts and entrepreneurs who have achieved extraordinary goals

themselves and we ask them to give you a peek behind the curtain and teach you exactly what you

need to do to do the same. Ready? Here we go. How would you like to turn your financial

situation around and never have to worry about money again? Look, your financial reality is a reflection of your

daily habits. And in the next few minutes, you're going to learn the money habit, the worry-free way

to financial independence, which will enable you to transform your financial reality one day at a time.

I am joined today by Mike McAllowick, the bestselling author of 11 financial books,

namely as mega bestseller Profit First, and Mike has helped over a million people achieve

financial independence. I am one of them. If you are ready to cultivate the discipline,

the clarity, and the control needed to achieve financial peace and success and freedom and independence,

this conversation can change your life.

Mike, I don't know where we should start, man. We have so many stories that we can just tell

people right off the bat. I know. Well, you started it perfectly because you said, let's keep it PG, bro. Behind the scenes, you said that. I'm like, oh. In full disclosure, 30 seconds ago, I said, all right, Mike, we're going to keep this PG, okay, buddy? Yeah, so there goes all the stories. Like, yeah, we can't tell any stories that we have. I walked my dog.

It was amazing.

So, hey, let's dive right in, man.

The audience, I know we all care about financial independence.

And your new book, The Money Habit, is about the worry-free way to financial independence.

And actually, that means one of the boldest claims that you made.

I started reading the book this morning in full disclosure.

Oh, thank you. claims that you made. I started reading the book this morning in full disclosure. I'm only a couple chapters in. I don't think you sent me a copy. Thanks a lot. I appreciate that. No, no, no. I need the money. Yeah, that's fair. This really caught my attention is the claim you make is that if you implement this, you'll never have to worry about money again. And can you unpack that? Yeah, yeah, yeah. I don't say you'll never worry about money again. You'll never worry about how you manage money again. So let me give the definition of financial freedom, which you hear touted by all these gurus and stuff and why I call total BS on it. So financial freedom is that you have no concern about spending your money, meaning there's no financial consequence. So you and I are like, hey, man, it's kind of cold here. Why don't we head down to the beach and hang out there? The beach will be the Caribbean and we'll take a private jet and we'll bring 20 of our best friends, all that. And then we say, and don't worry, the bills don't matter. There's a certain point where the bills do matter regardless of how much money you've saved or how much income you have. So financial freedom is a

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