"You may nail the numbers at work, but if you don't nail the numbers at home, your home will leech off the business and both will be compromised." That's Mike Michalowicz on what cracked open his new book.

Mike, author of Profit First and The Money Habit, joins Pat to preview his keynote for the SBOC 2026 Conference. The conversation goes deep on the difference between financial freedom and financial independence, why "be more disciplined" advice never works, and the behavioral move Mike calls channeling who you already are. Pat also covers the latest out of Iran, the Mayo Clinic AI breakthrough on pancreatic cancer, the rumored Claude "Orbit" agent, and the SBOC Awards returning for a third year with Precious L. Williams as emcee.

In this episode:

00:00 - Welcome and the daily ritual: positivity, gratitude, distraction, one task

06:30 - Mike Michalowicz joins the show

08:30 - Becoming Self-Made: Mike's new podcast

10:30 - How Tommy Mello and 900 garage door techs sparked The Money Habit

13:30 - Financial freedom vs. financial independence

17:00 - Why Pat booked Mike for SBOC 26

19:30 - Channel who you already are: the sneaker-on-the-toilet-seat story

23:00 - Your bank is your #1 financial app

26:00 - DUMBO: how Mike builds his contrarian frameworks

29:00 - When did Profit First become a hit?

33:00 - SBOC 26 conference dates and ticket release schedule

36:30 - Sponsor: Money Masters Bookkeeping

38:00 - Iran update and Trump's 35% approval rating

41:00 - Mayo Clinic AI catches pancreatic cancer up to three years early

42:30 - AI story of the day: Claude "Orbit" and the great employee

46:30 - Sponsor: G2 Insurance

48:00 - SBOC Awards return for year three with Precious L. Williams

51:30 - Star Wars rumor: Disney heading back to the originals

Resources mentioned:

- The Money Habit by Mike Michalowicz

- Profit First by Mike Michalowicz

- Becoming Self-Made (Mike's new podcast)

- Decisive by Chip and Dan Heath

- Mayo Clinic AI study on early pancreatic cancer detection

- Precious L. Williams, the Killer Pitch Master

- Money Masters Bookkeeping: https://moneymasters4biz.com

- G2 Insurance: https://g2insuranceservices.com

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