Are you letting money decide your mood, your marriage, or your future? In this episode, we sit down with Dr. Nicholas Michels, author of Rich by Choice, to unpack practical tools for becoming rich in money and in life.

• Why money is a tool—and how to make it serve your values

• How a single mom of four went from counting coins to multimillionaire (true story)

• The vision statement exercise that saved a marriage and aligned a family

• Finding your Money Emotion (security, independence, generosity, legacy, etc.)

• How to start from $10/month and leverage compounding in every area of life

• Facing fear of the stock market + choosing advisors you can trust

• Why small, consistent steps beat big, inconsistent ones

00:00 Are you letting money control your happiness?
00:31 Meet Dr. Nicholas Michels
01:00 The 1996 moment that changed everything
03:45 When money grows but happiness doesn’t
05:35 The couple’s vision statement that changed everything
07:45 A word to women walking through divorce
09:35 $10 in an envelope → hope → wealth
10:40 Find your Money Emotion (independence, security, impact)
14:20 Money is a tool, not your identity
18:05 1% → 2% → wealthy: the power of starting small
21:10 Myths about money, budgeting, and “boring” fundamentals
24:10 What you’re really investing in (hint: everyday products)
26:18 Aligning money with purpose and calling
29:00 Two quick steps to feel financially secure
32:20 Free gift: the Compounding chapter (applies to life, not just money)

Dr. Nicholas Michelss — Author of Rich by Choice
🎁 Free chapter (“Compounding”) + contact: richbychoicebook.com → Free Gift → Compounding

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#MoneyMindset #PersonalFinance #RichByChoice #Budgeting #MarriageAndMoney #FinancialFreedom #Compounding #BartellesMoneyTalk