Most of us have experienced The Habit Gap with money, even if we’ve never given it a name.
We know we should save more. We know too much debt can hold us back. We know an emergency fund matters. We know planning for the future is important.
Yet knowing what to do and actually doing it consistently are two very different things.
That’s the idea behind my upcoming book, The Habit Gap: Learn The Money Basics and Put Them Into Practice.
Before the book is published, I’m looking for a small group of advance readers willing to read it and tell me what they really think.
What Is The Habit Gap?
The habit gap is the space between understanding what you should do with your money and consistently putting that knowledge into practice.
You’ve probably experienced it.
Maybe you know you should track your spending, but another month goes by without doing it.
Maybe you’ve read about building an emergency fund, but yours still isn’t where you’d like it.
Or perhaps you understand why investing for the future matters, but getting started keeps slipping down the list.
That’s the habit gap.
The problem isn’t always a lack of financial knowledge. Sometimes we know perfectly well what we should do.
The harder part is turning that knowledge into something we actually do.
Why I Wrote The Habit Gap
There’s certainly no shortage of financial information.
Search for almost any money question, and you’ll find articles, videos, podcasts, books, calculators, and plenty of opinions.
But information alone doesn’t necessarily change behavior.
You can understand how a budget works and still not use one.
You can understand compound interest and still postpone saving.
You can understand the danger of high-interest debt and still struggle to pay it down.
The Habit Gap focuses on that missing piece: turning financial knowledge into everyday action.
It’s about learning the money basics many people were never taught and then building practical routines around them.
Not perfect routines.
Not complicated systems.
Just better habits that can work in real life.
I’m Looking for Advance Readers for The Habit Gap
Before the book is released, I’m putting together an Advance Reader Copy team, usually called an ARC team.
You don’t need publishing experience.
You don’t need to be a financial expert.
And there won’t be a quiz at the end. That’s always a plus.
I’m looking for everyday readers interested in personal finance, financial education, and building better money habits.
ARC readers will receive an advance copy of The Habit Gap before publication and have a few weeks to read it.
In return, I’m asking readers to consider sharing their honest feedback and, when the book is released, an honest review.
Honest Really Does Mean Honest
Joining the ARC team does not mean agreeing to give The Habit Gap a five-star review.
That’s not what I’m looking for.
I want to know whether the book works for real readers.
Was something confusing?
Did an example finally make a financial idea click?
Was there a section that dragged?
Did something make you stop and think about one of your own money habits?
Would you recommend the book to someone who was struggling to put what they know about money into practice?
That’s useful feedback.
The purpose of an advance reader team isn’t to tell an author what he wants to hear. It’s to provide the perspective that only a reader can provide.
Is The Habit Gap for You?
You may enjoy the book if you’ve ever found yourself thinking:
- I know what I should be doing with my money, but I don’t always do it.
- I want financial information explained without all the jargon.
- I’ve tried budgeting or other money systems but struggled to stick with them.
- I want to develop better financial habits without completely changing my life overnight.
- I’d like to understand money better and actually use what I learn.
You don’t need to have your finances figured out.
Actually, if that were a requirement, we’d probably have a pretty small ARC team.
The Habit Gap is written for people dealing with money in the real world — bills, debt, unexpected expenses, competing priorities, old habits, and life occasionally throwing a wrench into even the best-laid plans.
Read The Habit Gap Before It’s Published
If The Habit Gap sounds like a book you’d like to read, I’d be glad to have you consider joining the advance reader team.
There’s no cost to participate.
You’ll find the details on the sign-up page, including what you’ll receive, what I’m asking from advance readers, and how the process works.
Because I’m keeping the initial group manageable, space is limited.
Want to Join the ARC Team?
Read The Habit Gap before it’s published.
Then tell me what you really think.
That’s exactly the kind of reader I’m looking for.