Rising inflation has turned everyday expenses into a constant source of stress, leaving millions of people stuck living paycheck to paycheck and wondering if they'll ever feel truly "okay" with money. While traditional budgeting plans promise control, they often deliver guilt and overwhelm instead.

That's why I'm excited to be joined by Mike Michalowicz, bestselling author of 11 financial books, including the mega-bestseller Profit First, to talk about his newest book, The Money Habit: The Worry-Free Way to Financial Independence. Mike's helped over a million people build real financial peace, and in this conversation, he breaks down what "financial independence" actually means and why the "financial freedom" fantasy can leave you feeling disappointed.

We talk about why most people are naturally wired to spend their paycheck fast (and the surprising behavioral science behind it), why budgeting fails for so many people, and the simple "behavioral intercept" that makes managing money feel almost automatic. Mike walks through his foundational account system—how to split your money into clear, purpose-driven buckets so you always know what you can spend, what you're saving, and what's already protected.

And make sure you listen until the end, because Mike explains how to get started even if you're living paycheck-to-paycheck or drowning in credit card debt that instantly creates clarity, control, and momentum without requiring you to become a "money person" overnight.

KEY TAKEAWAYS

• The Money Habit For Financial Independence
• "Never Worry" (About Managing Money)
• Why These Methods Work for Anyone
• Making More Money Doesn't Solve Problems
• Why We're Wired To Spend Paychecks
• The Six Foundational Bank Accounts
• A Tip For Your Mini-Luxury Account
• Why Budgeting Fails Most People
• How To Get Started If You're Broke
• Tips for Tackling Debt Issues
• How to Address Your Biggest Financial Concerns
• Where To Get Mike's New Book, The Money Habit

Get The Full Show Notes

To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/623

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To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes.

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Copyright © 2026 Miracle Morning, LP and International Literary Properties LLC

If you struggle with sleep, pain, or anxiety, you've probably tried many medications and sleeping pills only to end up frustrated by side effects, poor results, and thinking that you're treating symptoms instead of actually feeling better.

That's why I'm excited to welcome back Joe Sheehey, founder of Cured Nutrition and a former aerospace engineer who left his corporate career at Lockheed Martin to improve the lives of millions of people. Joe's path to entrepreneurship was influenced by his own mental health battles, a life-saving turning point in college, and a growing conviction that there has to be a better, more holistic approach to healing than the medications most doctors prescribe.

Joe breaks down what cannabinoids like CBD, CBN, and low-dose THC actually do in the body and why the proper dosage is the difference between improving versus feeling anxious and turned off. We talk about how the stigma that clouds people's minds about the health benefits from cannabis keeps people from exploring options that could genuinely help them, and why responsible, non-intoxicating products are creating an alternative path for millions of people.

And make sure you listen until the very end, because Joe explains why the government has become a major threat to the full-spectrum hemp industry, why responsible brands are being swept up in unregulated high-dose products, and what Joe is doing to protect access through a new advocacy effort to save the industry.

If you're cannabis curious or simply looking for a better way to support your physical health, mental health and optimize your sleep, this episode will be an eye-opener and hopefully give you the confidence to try it for yourself.

KEY TAKEAWAYS

• How Cannabis Changed Hal's Life
• From NASA Engineer to CURED Nutrition Founder
• Rock Bottom: Joe's Mental Health Struggles
• Cannabis Curious: A New Path Towards Healing
• Challenging The Stigma Around Cannabis
• Leaving Lockheed: Permission to Launch CURED Nutrition
• How Cannabis Miraculously Ended Hal's Pain from Chemo
• The Healing Properties of CBD vs CBN vs THC
• Why The Full-Spectrum Hemp Industry Under Gov't Attack
• Who's is Lobbying Against Hemp and Cannabis, and Why
• The Awful Ramifications of Banning Cannabis
• How You Can Support & Protect The Cannabis Industry

Get The Full Show Notes

To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/622

Subscribe, Rate & Review

I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world.

To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes.

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Copyright © 2026 Miracle Morning, LP and International Literary Properties LLC

If you want 2026 to be your best year yet, one of the simplest ways to accelerate personal growth is to let a great book challenge the way you think, lead, love, and live.

In today's episode, I'm sharing six (6) books that I believe can genuinely change your life this year. Whether your focus is setting bigger goals, strengthening your marriage, becoming a more effective leader, building a thriving family culture, or shifting your relationship with money, there's something here for everyone.

I'll walk you through why each book made the list, what I learned from it, and how you can apply the lessons right away, no matter what time of year it is.

And at the end, I'll invite you to share your favorite books that have had an impact on your life. Because the best recommendations often come from like-minded people who are committed to becoming the best versions of themselves. Enjoy!

KEY TAKEAWAYS

• The Best Framework for Your Best Year Ever
• The Love Dare: Daily Actions That Transform Marriage
• Wealthy and Well-Known: Simplifying Personal Branding
• Building Better Families: Creating Culture & Core Values
• The AI Driven Leader: The Best Book on AI
• The Illusion of Monday: A Spiritual Approach to Money
• Reviewing All 6 Books That Will Change Your Life
• Share Your Favorite Books In The Comments!

Get The Full Show Notes

To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/621

Subscribe, Rate & Review

I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world.

To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes.

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Copyright © 2026 Miracle Morning, LP and International Literary Properties LLC