By: Jason Phillips
Financial planning can evoke images of tedious tasks involving numbers, spreadsheets, and retirement calculators. However, for Dr. Nicholas E. Michels, founder of Michels Family Financial, money management is the beginning of a stable present and future. His book, Rich by Choice, redefines what many perceive as an arduous task and transforms it into an inspiring journey of self-discovery and empowerment, including long-term success.
Dr. Michels is a trusted guide, teacher, public speaker, bestselling author, and devoted family man. His credentials include being a Certified Financial Planner™, Certified Private Wealth Advisor™, Licensed Money Manager and National Social Security Advisor, with a Doctorate in Business Administration. Dr. Michels brings a level of confidence and knowledge to his unparalleled work.
It Starts with You, Not Your Numbers
Dr. Michels’ approach turns traditional financial planning on its head by utilizing a different metric. The first question he asks is not “How much money do you have?” but “What do you truly want out of life?” This pivotal question is essential for ascertaining what is most important to you and lays the groundwork for where you want to go and how to achieve this step.
Rich by Choice invites readers to dig deep, uncover their “money emotion,” and discover their personal “financial why.” It focuses on the individual’s fear and confusion as the underlying roadblock to clarity, joy, and purpose in life. This is a unique perspective in financial planning that takes a deeper look at the emotional underpinnings behind economic planning rather than viewing it solely as a spreadsheet metric. Rich By Choice is more than a book—it’s a transformational guide to unlock financial freedom, daily peace, and a legacy you’re proud of.
Financial Health Equals Emotional Health
Dr. Michels understands that financial stress is about more than empty bank accounts. Unmet aspirations, restless nights, and tolls on personal relationships can cause an almost unbearable strain. According to the American Psychological Association, over 90 percent of Americans report anxiety over money, and the author offers hope and a way out.
Dr. Michels shows that peace comes not from chasing bigger paychecks but from internal clarity first and financial strategy second. Rich by Choice empowers readers to design a life that feels rich every day, not just someday.
Uncovering Your Money Identity
Every chapter of Rich by Choice encourages readers to explore their hidden money beliefs and emotional patterns, leading to informed future decisions. Dr. Michels teaches that understanding your financial identity is the key to lasting success. The essential lesson is that a successful financial life is not about copying someone else’s plan. It is about crafting a plan rooted in your values, dreams, and priorities.
A Life-Aligned Approach to Wealth
Dr. Michels’ philosophy is simple yet straightforward: money should serve your dreams, not dictate them. Through his proven Elite Wealth Management Process, he helps clients increase cash flow, reduce taxes, protect their wealth, and empower generosity while keeping their deepest values at the center. It is about creating freedom, security and happiness, not simply accumulating numbers on a statement.
Why “Rich by Choice” Matters
Rich by Choice is a life-altering guide to money management for anyone at a crossroads, wondering if they are on the right financial path. It offers readers a way out of stress and unfulfilled dreams, providing a chance to align their economic decisions with the life they want to live. By the final chapter, readers will better understand their finances and themselves. If you’ve ever felt stressed about money, this isn’t just a book—it’s your breakthrough to clarity, control, and a life you love.
Dr. Michels’s aim is clear: to help people turn wealth into a life well-lived, relationships well-loved, and a legacy well-protected. Through Rich by Choice, he offers guidance that is about far more than money. It is about building a life of peace, purpose, and joy.
For those ready to reclaim control, redefine success, and live richly by choice, Dr. Michels is the guide they have been waiting for.
Discover more and start your journey with Rich by Choice today.
Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice. Readers should consult with a qualified financial professional before making any investment or financial decisions. Individual results may vary based on personal circumstances.
