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Rudy Rush
You're listening to Mick Unplugged, hosted by the one and only Mick Hunt. This is where purpose meets power, and stories spark transformation. Mick takes you beyond the motivation and into meaning, helping you discover your because and becoming unstoppable. I'm Rudy Rush, and trust me, you're in the right place. Let's get Unplugged.
Mick Hunt
Today's guest is the acclaimed Ms. Dow Jones, a financial educator helping millions understand and build real wealth, and an author of the book that is just released today, future Rich Person. I call it the blueprint that every entrepreneur, every leader, everyone that's thinking about leveling up needs to read this book. So please join me in welcoming the insightful, the trailblazing Ms. Haley Saks.
Haley, how are you doing today, dear?
Haley Saks
I'm so excited to be here. Like I told you, I'm a huge fan of Mick Unplugged. And so this was like the podcast on my schedule that I was so looking forward to.
Mick Hunt
I am honored to have you on.
You mean the world to me. This book means the world to me. But before we get into the book that's out today, I want to ask you, Haley, you know, I ask every
guest this about their.
Because that thing that's deeper than your
why, I call it like your true purpose, your true passion. So if I were to say, Haley
in 2026, what's your. Because why do you keep doing the things you do?
Haley Saks
I do the things that I do because I genuinely believe that financial health is as important as physical or mental health. And it's something that's not prioritized or taught. And so people are walking through the world with all of this shame and not knowing and overwhelm, and it is degrading their quality of life when they could be living these big, rich lives. And so I do it because I want to show people that it's not that hard. You just need these steps. And then it will infinitely improve your quality of life and give you access to, you know, your dreams.
Mick Hunt
Yeah, I love it.
And that is truly who you are, right? Like, the energy that you have, I call it the swag that you also have.
It's in everything that you do, right? Your social media.
One of the best IG followers you'll
ever have is Hayley Ms. Dow Jones. So make sure you go check that out. There's links right here for that.
But, Hayley, I got to talk about this book. Usually I wait towards the middle or
the end of the show to talk about a book.
This book is so powerful that we're just going to go out of the
gate with this book. Like, I don't care about segments like this.
This whole segment today is Future Rich Person. So. So this book, for those that are listening, for those that are watching, one, go get the book. It is out today. Future Rich Person.
I don't care if it's Amazon Books,
a million Barnes and Noble, your local independent bookstore, go get it. Because here's why. It doesn't matter who you are, it doesn't matter where you come from. It doesn't matter what you are doing today. This book is giving you a blueprint. One, to understand money, to understand circumstances around money. I mean, we talk about, we hear all the time that you don't want debt. You don't want debt. Well, Hayley has a chapter in Understanding Debt. And some debt is actually good debt, right? So, Haley, I want to talk first about why the book and why now.
Like, what made you say this book needs to come out? And it needs to come out.
Haley Saks
You know, it's so funny because the book is called, like you said, future Rich Person, but then the subtitles are the new rules for building wealth. Even if you're stuck, broke, and that billionaire bolt texts you back because we have to have a little bit of humor. But what I want to focus on are the new rules for building wealth. Because to me, why I wrote this book is because the world and the economy and our circumstances have changed so dramatically and so fast. But the financial education that we've been using and, like, looking to. And the books that are still, like, in the canon are built for a world that doesn't really exist anymore. And so it was so important to write something that was modernized, that had, you know, information about AI Information about how to start your own business, like, who have no one teaches you about S Corps and LLC is and all of the great retirement accounts that you get access to if you have your own business. And like, you know, that's something that so many people are doing right now. Teaches you about negotiating, about good debt, about all these things that, you know, for our parents, generations were not in those finance books. And so it was important to me to modernize financial advice with this.
Mick Hunt
No, I agree. And I want to go with. I'll call it An Unplugged Truth.
Right.
And you hit us with it early on in the book. And I want you to talk about this.
I need everybody that's watching this, listening, to calm down and focus for me really quick.
It's okay to want to be rich, right? There's this huge stigma of wealth and the ego maybe that some people have. I think you're looking at bad people because I say most wealthy people that
I know are actually good humans and do good things with the world wealth and the rich that they have. Haley, why is rich good?
Haley Saks
Yeah. So I think that we. You know, the first part of the book, Mick, is so much about mindset, because what I always say is, like, you can't actually change your financial life until you figure out why you have been relating to money the way that you have been. Like, I could teach you everything about emergency funds and debt and investing, but you're never going to actually make any changes unless you actually understand, like, your why. And so part of your why is breaking down your money identity. And for a lot of us, we have these money identities and money stories that, like you said, are related to, like, wanting money is bad. Like, you know, I'm greedy if I want wealth. Rich people are all evil and all these things that sort of keep you small and stuff stuck. But the truth is that money only magnifies who you are. It only makes you more of who you already are. If you are a weird person who's, like, you know, nefarious and wants to do, like, things that are messed up and you got a lot of money, then guess what? It's going to be really easy for you to do that. But if you're someone who wants to, you know, a be able to take care of yourself really well so you can have great healthcare and leave jobs and relationships that don't serve you and live in a place that you feel really good about. Like, just like these great parts of life that we, like, overlook. But also, if you want to help your community, you want to be able to give back, you want to help your parents, your family. Like, money is a tool to do all of that. And so I don't think it's evil at all. I just think that, you know, there are rich people who are evil, but there's probably. There's broke people who are evil, too.
Mick Hunt
Yeah, yeah, yeah.
Money didn't make them who.
Who they were. You're right.
It just. It just accentuated it more.
Rudy Rush
Right?
Mick Hunt
Like, that's. That's all that it was. That's all that it was. You talked earlier in your intro about
different things on understanding what's an llc, C and an S and A. You know, when is it right to be a corp and all that.
And you go through a lot of
scenarios or there's a. There's a segment of the book that
goes through that I'd love for those
that are watching or listening.
And I want to talk specifically to that person who's just above solopreneur, right? They're building that team. They're. They're starting to really grow revenue. And maybe they didn't do anything with the legal structure, their business. Talk through the importance of that for
that person in particular.
Haley Saks
That's such an interesting point, right, Mick? Because it sounds like for this person, which I. I mean, it happened for me, too, when I started Mrs. Dow Jones, that, you know, you sort of play with a business idea and then you're like, oh, wait, it's sort of working. And then you realize, okay, there's a lot that comes with this that I have to put together to do it successfully. And so when I started Mrs. Dow Jones and started making real money, I didn't really understand quarterly estimated taxes. Like, I was just depositing checks, feeling really great about life. And then, you know, tax season hit and I got slammed with a giant bill that I was unprepared for and had to scramble and cover it. And, you know, that tax awakening is something that most solopreneurs have, and it is completely avoidable if someone just tells you ahead of time and you start taking like 30 to 40% of each of your paychecks and just putting them in a high yield savings account so that when tax time comes around, you don't have any surprises. Have you ever had a tax thing like that? Happen?
Mick Hunt
Oh, yes, absolutely. Absolutely.
Multiple businesses. You would have thought. I learned the first time, but the first time I thought, okay, it was an anomaly. And then the second time it was
like, oh crap, I kind of need to focus on this and do the right thing. Right. And.
And it changes too. You know, the same setup for person one and you go through this in the book isn't the same setup for person two, even if they kind of look identical on paper. Right. Like, you've got to talk about the vision that you have for your company. You know, what's going on in your personal life as well too.
Like, there's a lot of things that go into these structures and I don't think most people get it, but you break it down beautifully.
Let me put you onto something.
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Haley Saks
I also want to shout out something that I talk about in the book too, is like the separation of your business and personal finances. Because obviously, like I say this so much in the book, you are your best asset. Invest in yourself, build your skills. So much of the book, it's a, it's. This is not a shameful finance book that's about like cutting back. No lattes, no avocado toast. It's about like you as a future rich person making more money and then knowing what to do with it and also avoiding spending it all. Even though we are in this society where like, you know, our parents were advertised to 500 times a day and we're advertised to 5,000 times a day. So it's hard. But when you start a business, I think a lot of people are like, okay, I gotta go all in on the business. But you know, it's so important to make sure that you are also putting money away for yourself, just like in those retirement accounts. Because you never know what's gonna happen. Even though you wanna bet on yourself so big, Never go all in.
Mick Hunt
Yeah, yeah, I love it. And you know that's one of the subjects in the book, right? Is like how to save money.
But you also talk about how to use money, right?
And one of my favorite chapters in your book is chapter seven. And for those that are, that are watching or that are listening, the way the book is set up is you're
going to get a topic, you're going
to get a scenario, you're going to get the real inspiration. So it's like Haley having a conversation with a business owner or a person and you're walking through something that everyone can relate to.
But chapter seven, we talk about money.
91 1.
And I saw the title and I said, I'm reading this one. And it was so good that I had my two sons also read it who were in their mid-20s, early 20s, because it's really important for them to understand.
Like they hear dad talk about money, right? They have friends, they see things, they understand wealth. And I'm not saying I'm wealthy, but they understand like they understand money.
I want them to be future rich people, my sons. Just because dad might have $2 doesn't mean that it's their $2, right? So I wanted them to understand that too. But let's talk about money.
91 1.
And let's talk about chapter seven. Walk us through High level. That story, you know, going through the freelance web designer, which I think is
so relevant here, with everyone being able
to vibe code and to create their
own websites and to create services that are making money for them. I thought this was so relevant, which
is why I had my son start
with this chapter, actually, because everyone can
go do their own thing now with
vibe coding and creating apps and AI. This chapter resonates. So.
Sorry, I didn't mean to steal the thunder, but.
Haley Saks
Oh, I'm like, I. It's so cool to talk to someone who, like, really read the book and who it sat with. Like, this is like my dream conversation. I appreciate it. Okay, so what Mick is talking about is, yes, chapter seven, money 911, which is really about the importance of an emergency fund, which is, you know, that's sort of the first step in your financial journey after mindset, is putting away three to six months in a high yield savings account. Because anything that can go wrong will go wrong. And if you don't have that, it just puts you in these really precarious situations. And so the story that Mick was talking about was. And throughout the whole book, if you're watching, there's. I have these interviews with real people in them, which I think was like, a really fun way to sort of get the story across. But also it was just like, so fun to talk to people because sort of makes you feel less alone in your money journey too, because you're like, oh, everyone is figuring this out. But anyways, this woman, Kai, was freelancing, as you said. She was working for this homemade baby food company, and they paid her half of the amount before, and then they went under before they paid her the other half, and she couldn't afford her rent and she didn't have an emergency fund. And so she was scrambling and was like, okay, this is really smart. Even though it's not allowed in my building, I'm going to Airbnb out my apartment, stay with my parents, and then I'm going to be able to make rent. And what she didn't account for, and this is true, were the people who Airbnb her apartment had bedbugs. And so she came back to the apartment and it was like a total mess. She needed to call the exterminator. She needed to let her landlord know. And it just like came out that she had Airbnb and she got kicked out of that apartment. She had to pay actually more money to get all of the, you know, bedbugs and everything out of there and had to move in with her parents. And so it was like just by not having that safety net put herself, everything became so much worse than if she had just had that. And like 49% of Americans can't cover in $1,000 emergency. So you can imagine how much Kai's story is happening.
Mick Hunt
Yeah, yeah, it's. It's a beautiful story.
And I will tell you, if you
are a parent of a teenager or
older, I would definitely, one, buy the book. But two, I would start with this chapter for them. Because this was the conversation that I
had with my two sons, Jay and Kamin. I know you're listening. I know you're watching. So I'm just going to share our dirty laundry really quick. Right.
I needed them to understand because at some point you have to, I'm going to say financially mature. And by financial maturity, I mean it's not, hey, dad, it's towards the end of the month and rent's gonna be due in a couple of days. And I need some help. And I'm not saying that my boys
do this or have done that, but
I need everybody to understand, like, how do you prepare for that maturity? And so I'm gonna give a hot
take that I'd love for Haley to chime in on. Cause this is gonna be her hot take. Because it's her message.
You famously have said that the rules of money have changed.
Right.
And I think now is that time. Like, I'd love to get your continuation of that quote.
Like, why isn't following your parents advice going to make you wealthy anymore?
Haley Saks
You know, Mick, because the old American dream is dead. You know, our parents generation, they would be at the same job for 40 years. They had a pension at that job. They had equity in a home that they could actually afford the home, which is crazy for our generation. And then, you know, we're going to resell it for a profit. Because the job, the housing market was really different. The student loans were really different. Access to credit was different. There were just so. It was such a different time where you could trust the system more than you can now. Now it's like, that's why reading future research is so important, is because, you know, the system was always created by the people that it serves. So that's like why rich people save so much on taxes. Because the tax code was written by the people that it's protecting. You know, and so. But that doesn't mean that you have to be a billionaire to benefit, it just means that you have to understand the rules of the game so that you can win at it. And if you don't, then you're never going to get ahead because the system is out to get you. It is a predatory financial system at every turn. They want you to get into debt. They want you to set up accounts that have high fees. They want you. Like, there's just so much coming at you every day that is nefarious and trying to take your money. And so you need to wise up and really commit to your financial literacy so that you can win regardless of that.
Mick Hunt
Yeah. I love it. I love it. I love it so much.
You said something that I've said a thousand times.
So I'm glad that you were able to say that so that the listeners and watchers don't have to say, nick's
just going to say that again. Haley said what I've been telling you
forever and ever and ever.
You know, Haley, I like to talk
about the room, right?
Like, I think for everyone. Your life changed when you got into
a room or a dinner or a
meeting with someone that could mentor you
or show you something, and it changed the trajectory of your life or your career.
Ironically, you have a chapter, chapter 12, where you talk about money etiquette.
And if I were to say the
room that changed me the most was, and I'm gonna say John didn't use the term money etiquette, but it's the same principle. The moment that Daymond John taught me how to appreciate money, how to see money, and how to understand how money
works for you, right?
And again, it's that appreciation of money. Not the love of money, but the appreciation.
And that's what chapter 12 reminded me of. It reminded me of a room.
So I'd love for you to one tie in chapter 12, the Money Etiquette. But was there a room, was there
a moment in your life where money etiquette meant something to you?
Haley Saks
I mean, I've learned so much from Damon, too. I love his work around money. And I think for me, the room where things really change around me with money was, as I became more successful, rooms where I was with people who were not as successful and learning how to. Because it's, you know, when you are chasing financial success, that's something that you can be really focused on. But I firmly believe that, like, you know, the best relationships are not with people that, you know, have the same paycheck as you. It's just, like, people that you actually, like, connect with and vibe with and have the same values. And that might not, like, mean that you have the same amount of money, but, like, money can be something that really, like, alienates people and makes them feel weird. And if you are. If you move with it in a way that feels like you're holding on too tight or you're nickel and diming people or you're tacky or you're not respectful of where someone else is at financially, it can really degrade your relationships. And so, yeah, I think that those were the rooms where I. Where my money relationship really, like, where I had to, like, up my money etiquette the most. But, you know, and even, like, having conversations with your friends or your spouses about money, like, it's so important to do this and to be upfront, but the way in which you do it has to be handled with grace and elegance. And also sort of just like, I always think a little bit of humor goes so far. Like, I love to, like, you know, smile and, like, be funny about things that are super serious, because it just cuts the. Takes the air out of the room a little bit. Like, it makes people relax a little bit. But, you know, this chapter, I get so many questions about money etiquette. Like, we're all trying to fix our money mindsets, and then, of course, we want to grow wealth. Then the idea is, when you have the money, what do you actually. How do you move with it? And money is energy. You have to remember. So, like, if you hold onto it too tight or, you know, you are acting in these ways that are unsavory, it's not gonna come to you as freely. Like, you have to be in relationship with it in a way where it will come back to you. And so that's why I also think that money etiquette is so important.
Mick Hunt
Yep, I. I totally agree.
And I love how you wrote that.
Chapter one. Again, I'm gonna keep bringing up this book. Everybody go get it. It's right here. We're gonna have links everywhere. There's description, show notes and everything.
But, you know, you start off with the Beyonce little quote, and then it goes into. It's almost like the Ten Commandments, right,
of money etiquette, which I love how that's written.
And so, again, my kids, I have them start with chapter seven, and then I go to chapter 12 just because
I like that flow for them.
And this is why this book is amazing.
Rudy Rush
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Mick Hunt
This book 1. When you read it again, go get it today. You can take this journey wherever you want. Like, yeah, I'm sure Haley wrote it to go from page one to the end.
Haley Saks
No, I'm loving that we're moving around.
Mick Hunt
Yeah. Like, I, that's how I like to read books like this. Because there's gonna be days where it's like, oh, let me go back and
read chapter five again.
Let me go talk, Let me go read into part two on making money
and why that's important. Right. Like, I think it's, it's, it's a
book that's so cool. And then, you know.
Haley Saks
Yeah, we also have a full chapter on rich kids too. So, like, if you're someone who's trying to build generational wealth for your child, that's the same way that, you know, no one teaches you about business structures. No one teaches you how to do that either. But it's actually pretty simple. So I break that down as well. Like, there's just, it's, it's everything that you were never taught about how to win the game of money. And written in a way that's like so palatable and easy. Like, I love that you were able to read it. Just like, like, my goal with writing the book was like, you know, so many people buy finance books and they never crack them because it feels like this. Like, like, it feels like punishing to read it. Like, as though, like you're going to read it and you're going to feel like you got in trouble. And I wanted it to feel like a book that's actually like, fun and that you wanted to enjoy and finish and pass on to your friends and your kids. But that's going to teach you.
Mick Hunt
It is definitely that book. So again, everybody, you can see It. Go get the book.
Today, future rich person, Haley Sacks. Haley, I gotta get you outta here.
On my rapid fire.
Mickfood5.
You ready?
Haley Saks
I love it. Yes.
Mick Hunt
Number one, who is the wealthiest person that you've been around? And the moment you met them, you
were like, how the heck did they get here? Now I'm saying I'm joking. Don't say that out loud. Don't say that out loud.
Don't do that. Now, what's your go to meal on a cheat day? Comfort meal.
Haley Saks
Spaghetti pomodoro and chicken milanese. So, like, spaghetti with tomato sauce and, like, fried. Basically fried chicken.
Mick Hunt
So good. Okay.
Haley Saks
I got it from this Italian restaurant, so that's why I said the Italian names.
Mick Hunt
There it is.
There it is. If you had to do a masterclass tomorrow on one chapter of your book,
which chapter would it be?
Haley Saks
Investing.
Mick Hunt
Love it. I love it.
Haley Saks
You know, I love to get that money in the market.
Mick Hunt
Absolutely.
What's your favorite vacation city?
Haley Saks
Um, you know, I like the Caribbean. So not really like, oh, I guess if I was to say city, then Paris. But, like, I'm okay. I like just to go on the ocean for about a week and then I feel much better.
Mick Hunt
All right, then number four, what's your favorite Caribbean country then?
Haley Saks
Saint Lucia.
Mick Hunt
Nice. Nice. Yes.
I'm gonna get you out of here on this one. In one or two words, if you had to define Haley Saks, what would
those one or two words be?
Haley Saks
Fun and smart.
Mick Hunt
There it is. I love it. I love it.
Ladies and gentlemen, this has been my good friend Haley Saks. You're so busy. You're so gracious.
I appreciate you just taking some moments here with us today.
Again, I can't.
I won't be remiss without saying, go get this book.
Zoom in, cameraman.
Zoom in. Like, this is the book.
Future rich person. The book is so great. I'm going to do this. We'll go Instagram. The first 20 people that message me on Instagram, future rich person, I'm going to go ahead and order you a
copy of the book.
So I'm going to order 20 copies of the book. I'm going to give them to 20 people, message me, future rich person on Instagram. And then after you've read the book, do me a favor, tag Haley. And I picture the book and the thing that you got out of the
book the most because that'll help both of us. That will help both of us.
Haley Saks
We are so lucky to, like, be in mixed present. What a nice, kind gesture, helping your is really, really, really beautiful. Thank you.
Mick Hunt
You got it.
Haley Saks
Well, the Mick, what a cry. That's so nice. Thank you, guys.
Mick Hunt
Don't be overwhelmed. Don't cry. Don't do any of that. But I appreciate you so much. You mean the world to me. I need everybody to go follow Hailey on social, check out her websites. We'll have links to all that in the show, notes in the description. Haley, you're amazing.
Haley Saks
You are amazing. Oh, my gosh. This is so awesome. Thank you, Mick.
Mick Hunt
You got it. And for all the viewers and listeners, remember your because is your superpower.
Go unleash it.
Rudy Rush
That's another powerful conversation on Mick Unplugged. If this episode moved you, and I'm sure it did, follow the show wherever you listen. Share it with someone who needs that spark and leave a review so more people can find there. Because I'm Rudy Rush. And until next time, stay driven, stay focused, and stay unplugged.
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Haley Saks
Delays.
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Host: Mick Hunt
Guest: Haley Sacks (aka Ms. Dow Jones)
Date: May 14, 2026
This episode features financial educator and author Haley Sacks, known as Ms. Dow Jones, discussing her new book Future Rich Person: The New Rules for Building Wealth. The conversation centers on why traditional money advice is outdated, how modern financial realities require new rules, and the practical steps everyone – from entrepreneurs to young adults – can take to build real, lasting wealth. Haley shares personal stories and actionable insights, making the case that financial health is as vital as physical or mental health.
“People are walking through the world with all of this shame and not knowing and overwhelm, and it is degrading their quality of life when they could be living these big, rich lives.” (Haley, 02:30)
“The financial education that we’ve been using…are built for a world that doesn’t really exist anymore. …So it was important to me to modernize financial advice.” (Haley, 04:24)
“You can’t actually change your financial life until you figure out why you have been relating to money the way that you have been.” (Haley, 06:14)
“There are rich people who are evil, but there’s probably... broke people who are evil, too.” (Haley, 07:54)
“When I started making real money, I didn’t really understand quarterly estimated taxes… I got slammed with a giant bill that I was unprepared for.” (Haley, 08:45)
“You are your best asset. Invest in yourself, build your skills…It’s not a shameful finance book about cutting back—it's about making more money and knowing what to do with it.” (Haley, 12:08)
“Anything that can go wrong will go wrong. And if you don’t have that [savings], it just puts you in these really precarious situations.” (Haley, 14:51)
“The old American dream is dead…It was such a different time where you could trust the system more than you can now.” (Haley, 18:30)
“You need to wise up and really commit to your financial literacy so you can win regardless of that.” (Haley, 20:06)
“If you are acting in ways that are unsavory…it’s not gonna come to you as freely. You have to be in relationship with [money] in a way where it will come back to you.” (Haley, 21:35)
“So many people buy finance books and never crack them… I wanted it to feel like a book that’s actually fun and that you wanted to enjoy and finish and pass on.” (Haley, 25:56)
On Mindset:
“I do the things that I do because I genuinely believe that financial health is as important as physical or mental health.”
(Haley, 02:30)
On Modern Money Challenges:
“The world…has changed so dramatically and so fast. But the financial education…is built for a world that doesn’t really exist anymore.”
(Haley, 04:24)
On the True Nature of Money:
“Money only magnifies who you are. If you’re someone who wants to help your community, you want to give back…it’s a tool to do all of that.” (Haley, 06:14)
On Self-Protection as an Entrepreneur:
“Start taking like 30 to 40% of each of your paychecks and just putting them in a high yield savings account so that when tax time comes around, you don’t have any surprises.” (Haley, 08:45)
On the Need for Financial Literacy:
“The system is out to get you. It is a predatory financial system at every turn… so you need to wise up and really commit to your financial literacy.” (Haley, 20:06)
On Money Etiquette:
“Money is energy. If you hold onto it too tight… it’s not gonna come to you as freely. You have to be in relationship with it in a way where it will come back to you.” (Haley, 21:35)
(Starts at 26:57)
Mick Unplugged with Haley Sacks delivers an engaging, practical, and deeply modern take on financial growth for a new generation. Haley’s new book challenges inherited “rules” in favor of empowerment, transparency, and actionable strategies—blending wisdom, witty anecdotes, and real talk to help everyone thrive.
"Future Rich Person" is out now – buy it, read it, and pass it on!