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Fellow writer John Henry shares 5 great personal finance books with timeless lessons: spend less, invest consistently, avoid bad debt, and track your progress.

Building wealth is often about simple habits practiced over time. Great collection, John!

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Mike Makes Money Simple (@mikemakesmoneysimple)
John Henry has put together an excellent collection of five influential personal finance books, highlighting some of the most important lessons about building wealth. The common themes are timeless: ...
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October 24, 2026 at 4:55 AM
keepmoneysimple.bsky.social
💬 Should parents discuss their income, savings, debts, and investments with their children?

And If so, when should those conversations begin—during their teens, young adulthood, or after college?

I'd love to hear your thoughts! 💙💛

substack.com/note/c-36879...

#FinancialLiteracy #PersonalFinance
Mike Makes Money Simple (@mikemakesmoneysimple)
💬 The Money Conversation | Mike Makes Money Simple Should Parents Be Open With Their Children About Their Personal Finances? 💰 Growing up, many of us were taught that money was a private matter. Yo...
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October 24, 2026 at 2:11 AM
keepmoneysimple.bsky.social
💰 The Daily Money Nugget

Paid every other week?

In a typical year, TWO months have THREE paychecks instead of two!

💡 Budget around two? Use that third paycheck to build savings, invest, or pay down debt!

#PersonalFinance #MoneyTips

substack.com/@mikemakesmo...
Mike Makes Money Simple (@mikemakesmoneysimple)
💰 The Daily Money Nugget | Mike Makes Money Simple Do You Know About the Two Months Each Year When You Get an "Extra" Paycheck? If you're paid every other week (biweekly), you typically receive 26 p...
substack.com
October 23, 2026 at 7:09 PM
keepmoneysimple.bsky.social
🚗 When was the last time you actually reviewed your auto insurance coverage?

Liability, collision, comprehensive—do you know what you're paying for?

Some coverage is required. Other components may be optional.

💵 My latest article explains:
substack.com/@mikemakesmo...

#AutoInsurance #MoneyTips
Mike Makes Money Simple (@mikemakesmoneysimple)
Check out my new post! 💵 The Money Saver #2: Small Changes. Real Savings. 🚗 Are You Paying for Auto Insurance Coverage You No Longer Need? Do you really understand what you're paying for when you...
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October 23, 2026 at 1:57 AM
keepmoneysimple.bsky.social
💰 Just because you CAN afford something doesn't mean you SHOULD buy it.

There's a big difference between having the money to buy something and deciding whether it's worth buying.

Financial freedom is about making intentional choices.

#FinancialLiteracy #MoneyTips

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Mike Makes Money Simple (@mikemakesmoneysimple)
💰 The Daily Money Nugget | Mike Makes Money Simple Just Because You Can Afford It Doesn't Mean You Should Buy It. One of the most valuable financial habits you can develop is learning to say: “I ca...
substack.com
October 22, 2026 at 9:42 PM
keepmoneysimple.bsky.social
₿ My 24-year-old son buys Bitcoin weekly. I'm 59 and skeptical.

He sees scarcity, decentralization & adoption. I question its value.

Generational divide—or something deeper?

Bitcoin believers: What am I missing?

substack.com/profile/5516...

#Bitcoin
Mike Makes Money Simple (@mikemakesmoneysimple)
💬 The Money Conversation | Mike Makes Money Simple Bitcoin: Is My 24-Year-Old Son Seeing Something I'm Missing? ₿ I had an interesting conversation with one of my 24-year-old sons today. He's a Bit...
substack.com
October 22, 2026 at 1:23 AM
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🏦 Is your money safe outside your local bank?

Online banks, brokerages & Treasury bills can seem intimidating.

Learn how to verify what's legitimate, avoid scams & explore ways to earn more interest.

📋 FREE 7-point checklist!

substack.com/@mikemakesmo...

#FinancialLiteracy
Mike Makes Money Simple (@mikemakesmoneysimple)
Check out my new post! 🚨 Just Published on Mike Makes Money Simple! Is your money safe outside your local bank? 🏦 Online banks, brokerage accounts, and U.S. Treasury bills can seem intimidating—espe...
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October 21, 2026 at 9:49 PM
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💰 Is a 6-month emergency fund enough?

What if replacing your income takes 9–12 months?

Finding another job isn't always the same as finding comparable pay.

What do you think?

substack.com/profile/5516...

#EmergencyFund
Mike Makes Money Simple (@mikemakesmoneysimple)
💬 The Money Conversation | Mike Makes Money Simple Is a Six-Month Emergency Fund Really Enough? We've all heard the advice: “Keep three to six months of living expenses in an emergency fund.” But ...
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October 20, 2026 at 11:05 PM
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💰 Don't save what's left after spending. Spend what's left after saving.

Automate your savings and investments BEFORE you spend your paycheck.

Pay yourself first!

substack.com/profile/5516...

#PersonalFinance #Payyourselffirst
Mike Makes Money Simple (@mikemakesmoneysimple)
💵 The Daily Money Nugget | Mike Makes Money Simple Don't Save What's Left After Spending. Spend What's Left After Saving. Here's one of the simplest ways to build wealth over time: Take the decisio...
substack.com
October 20, 2026 at 3:51 PM
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💬 Can humility help you build wealth?

Morgan Housel reminds us that saving more isn't always about earning more. Sometimes it's about spending less to impress others.

How much of our spending is about appearances?

👇 Join the conversation:
substack.com/@mikemakesmo...

#PersonalFinance #Money
Mike Makes Money Simple (@mikemakesmoneysimple)
💬 The Money Conversation | Mike Makes Money Simple Can Humility Make You Wealthier? 💰 In The Psychology of Money, Morgan Housel writes: “One of the most powerful ways to increase your savings isn...
substack.com
October 19, 2026 at 10:55 PM
keepmoneysimple.bsky.social
💰 Looking rich vs. being rich.

One is about what people see. The other is about what you're building.

A nice car might turn heads. Financial security can give you choices.

Sometimes wealth is the money you choose NOT to spend.

substack.com/@mikemakesmo...

#PersonalFinance #FinancialLiteracy
Mike Makes Money Simple (@mikemakesmoneysimple)
💵 The Daily Money Nugget | Mike Makes Money Simple Looking Rich vs. Being Rich In Morgan Housel's excellent book The Psychology of Money, he shares an observation from investor Bill Mann: “There ...
substack.com
October 19, 2026 at 8:57 PM
keepmoneysimple.bsky.social
💵 NEW: The Money Saver!

Paying extra for antivirus software? Windows 11 and Macs already include built-in security protections. You may not need to!

💰 Small Changes. Real Savings.

substack.com/@mikemakesmo...

#MoneySavingTips #PersonalFinance
Mike Makes Money Simple (@mikemakesmoneysimple)
💵 The Money Saver #1: Before You Pay for Antivirus Software, Check What You Already Have! Small Changes. Real Savings. Sometimes the easiest way to save money is to stop paying for something you don...
substack.com
October 17, 2026 at 6:23 PM
keepmoneysimple.bsky.social
📈 Does time improve your odds in the stock market?

Historical positive-return periods:

1 day: 50%
1 year: 68%
10 years: 88%
20 years: 100% (in Housel's sample)

Time matters. Past returns aren't guarantees.

#Investing #PersonalFinance

👇
substack.com/@mikemakesmo...
Mike Makes Money Simple (@mikemakesmoneysimple)
💰 The Daily Money Nugget | Mike Makes Money Simple Why Time in the Stock Market Matters More Than Timing the Market 📈 Here's something worth thinking about, especially if you're just beginning your ...
substack.com
October 18, 2026 at 3:33 AM
keepmoneysimple.bsky.social
💬 The Money Conversation

What's ONE thing about money you've always wanted to understand better?

Credit scores? Investing? Saving? Retirement?

Whether you're 18 or 68, I'd love to hear from you!

👇 [Substack link]
substack.com/@mikemakesmo...
Mike Makes Money Simple (@mikemakesmoneysimple)
What Would YOU Like to Learn About Money? 💰 💬 The Money Conversation | Mike Makes Money Simple One of the reasons I started Mike Makes Money Simple was because of the many conversations I've had wit...
substack.com
October 17, 2026 at 2:35 AM
keepmoneysimple.bsky.social
💰 Saving for a car, your first home, or another big purchase?

Where you keep your money matters!

High-yield savings accounts, CDs, Treasury bills, or stocks—which makes sense for short-term savings?

📖 My latest Substack article explains!

👇 [Link]
substack.com/@mikemakesmo...

#PersonalFinance
Mike Makes Money Simple (@mikemakesmoneysimple)
💰 Saving for a new car, your first home, or another big purchase in the next year or two? Where you keep that money can make a surprisingly big difference! In my latest Mike Makes Money Simple (MMMS...
substack.com
October 12, 2026 at 9:05 PM
keepmoneysimple.bsky.social
💳 Never had a credit card? You might still have a credit history!

3 FREE tools to check:

✅ AnnualCreditReport.com
✅ Credit Karma
✅ Experian

Know where you stand before building credit!

👇 My beginner's guide:
substack.com/@mikemakesmo...

#FinancialLiteracy #CreditScore
Mike Makes Money Simple (@mikemakesmoneysimple)
How to Check Your Credit Report and Credit Score for FREE: 3 Tools Every Beginner Should Know 💳 Money Basics: Before You Build Credit, Know Where You Stand! Think you have no credit history because ...
substack.com
October 9, 2026 at 9:45 PM
keepmoneysimple.bsky.social
💰 Where does your paycheck go?

The 50/30/20 budget makes managing money simple:

🏠 50% — Needs
🎉 30% — Wants
🌱 20% — Your Future

Based on take-home pay.

Give every dollar a purpose!

substack.com/@mikemakesmo...

#Budgeting #PersonalFinance #FinancialLiteracy
Mike Makes Money Simple (@mikemakesmoneysimple)
Your First Budget Doesn’t Need to Be Complicated. Start With 3 Buckets. 💰 If you’re just starting to manage your own money, budgeting can sound complicated. It doesn’t have to be. One simple place ...
substack.com
October 8, 2026 at 5:11 PM
keepmoneysimple.bsky.social
What can Minecraft teach us about money in real life? 🎮💰

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#Minecraft #MinecraftCommunity #PersonalFinance #FinancialLiteracy
Mike Makes Money Simple (@mikemakesmoneysimple)
If Your Money Worked Like Minecraft, What Would You Build First? 🎮💰 Imagine you're 22, starting your first real job, and an unexpected $5,000 lands in your bank account. What would you do with it? ...
substack.com
October 7, 2026 at 2:53 PM
keepmoneysimple.bsky.social
I recently talked with my 27-year-old son about his 401(k) vs. individual stocks. 📈

I explained my philosophy:

401(k) = serious retirement money.
Individual stocks = optional money.

Build the foundation first. Then explore.
Agree or disagree? 👇

substack.com/@mikemakesmo...

#401k #Investing
Mike Makes Money Simple (@mikemakesmoneysimple)
401(k) vs. Individual Stocks: Know Which Money You’re Investing 📈 I recently had a conversation with my 27-year-old son about the difference between investing for retirement through his 401(k) and bu...
substack.com
October 7, 2026 at 5:27 PM
keepmoneysimple.bsky.social
Financial Education and Money Management

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The goal isn't to impress someone with financial knowledge. The goal is to meet them where they are and help them take the next step. Never underestimate the value of teaching the basics.
Mike Makes Money Simple (@mikemakesmoneysimple)
Check out my new post! Maybe We’re Making Financial Education Too Complicated 🤷‍♂️
substack.com
October 6, 2026 at 8:21 PM
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Credit Score 101

Wealth and creditworthiness are two completely different things.

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Mike Makes Money Simple (@mikemakesmoneysimple)
Credit Score 101 Your credit score isn’t a measure of how wealthy you are. It’s primarily a measure of how you’ve handled borrowed money. You can have a high income and a poor credit score—or a mod...
substack.com
October 7, 2026 at 2:26 AM
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substack.com/profile/5516...

#MikeMakesMoneySimple #MMMS #PersonalFinance #FinancialLiteracy #MoneyTips #MoneyBasics #InvestingForBeginners #BuildingWealth #FinancialEducation #YoungAdults #FinancialIndependence
Mike Makes Money Simple (@mikemakesmoneysimple)
🎉 WE CROSSED 100 SUBSCRIBERS! 🎉 Yesterday, Mike Makes Money Simple (MMMS) officially crossed the 100-subscriber milestone, and I just want to say THANK YOU! When I started MMMS, my goal was simple: ...
substack.com
October 5, 2026 at 5:50 PM
keepmoneysimple.bsky.social
Money Basics For Young Adults

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Follow and subscribe to MMMS on Substack for more simple, practical lessons on personal finance, money management, credit, investing, and building long-term wealth.

#MoneyManagement, #MoneySkills, #MoneyBasics
Mike Makes Money Simple (@mikemakesmoneysimple)
Money Basics for Young Adults Build the Foundation Before You Build the Wealth. Your first goal isn't getting rich. It's learning how to control the money you already have. Earn → Save → Invest → ...
substack.com
October 5, 2026 at 8:09 PM
keepmoneysimple.bsky.social
Sports Betting vs. Investing: Is the Stock Market Really Gambling?

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#SportsBetting, #Investing, #FinancialLiteracy, #Gambling
Mike Makes Money Simple (@mikemakesmoneysimple)
Check out my new post! Money Basics, Money Management, Investing for Beginners, Building Wealth, Personal Finance For Young Adults
substack.com
October 5, 2026 at 4:03 AM
keepmoneysimple.bsky.social
Sports Betting vs. Investing: Where exactly is the line between investing, speculating and gambling?

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#Money for Young Adults, #Young Investors, #First-Time Investors, #Gen Z Finance, #Money Skills, #Money Basics, #Money Management
Mike Makes Money Simple (@mikemakesmoneysimple)
My son recently went out to dinner with some friends, and at some point the conversation turned to sports betting. When he told me about it afterward, an interesting question came up: Is sports bett...
substack.com
October 5, 2026 at 1:04 AM