THE
THE
JOY
JOY
OF
MONEY
OF
MONEY
How to do more with and feel better about your Money—No matter how much you have.


THIS BOOK WILL HELP YOU…
Carrie Joy will coach you to:
MONEY LEVEL 1
MOTIVATE PAST YOUR MONEY MENTAL BLOCKS
MONEY LEVEL 2
DECIDE WHAT MATTERS IN YOUR BUDGET
MONEY LEVEL 3
MAKE AN EMERGENCY FUND
MONEY LEVEL 4
TAKE ANY FREE MONEY FROM YOUR BOSS
MONEY LEVEL 5
PAY OFF CREDIT CARDS AND HIGH-INTEREST DEBT
MONEY LEVEL 6
MAKE A LIFE HAPPENS FUND
MONEY LEVEL 7
DECIDE HOW (AND WHEN!) YOU CAN BUY A HOME
MONEY LEVEL 8
PLAN FOR THE RETIREMENT YOU DESERVE
MONEY LEVEL 9
MAKE YOUR MONEY... MAKE MORE MONEY
MONEY LEVEL 10
DEMAND MORE
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A MONEY BOOK FOR YOUR REAL LIFE
A MONEY BOOK FOR YOUR REAL LIFE
A love letter to everyone who’s ever looked at their bank account (or been afraid to) and thought, how am I supposed to do this?
A love letter to everyone who’s ever looked at their bank account (or been afraid to) and thought, how am I supposed to do this?



Carrie Joy Grimes, Author
GET YOUR COPY OF THE JOY OF MONEY
“What I love most about The Joy of Money is Carrie Joy’s voice—authentic, smart, and on your side. She meets you where you are—whether ready to invest or getting out of credit card debt—and shows you exactly how to take control of your money, one concrete step at a time.”
— Farnoosh Torabi, host of So Money and author of A Healthy State of Panic
“The Joy of Money is a wonderful, clear-eyed and compassionate guide to building the money habits that deliver financial security—without shame, jargon, or one-size-fits-all advice. Carrie Joy Grimes, founder of the 9-million-member nonprofit Work/Money, shares hard-earned lessons from her own journey, and with humor and step-by-step guidance helps readers confront their fears, ditch money shame, and take real, doable action. Whether you’re trying to create a budget, paying off debt, saving for the future, or simply want to sleep better at night, this is more than a guide to finances. It is a call to believe in yourself, and to live the life you deserve.”
— Charles Duhigg, author of bestsellers The Power of Habit and Supercommunicators
“Carrie Joy brings heart and behavioral savvy to personal finance in a way I love to see. The Joy of Money is So Money! It nails both the math and the feelings of money—and gives readers practical steps that actually stick.”
— NYT Bestselling Author Tiffany "The Budgetnista" Aliche
“In The Joy of Money, Carrie Joy Grimes provides sensible and smart advice to take charge of your financial life. She helps you think through so many critical decisions: Is buying a home right for me? How can I improve my credit score? How should I invest for my retirement? She describes with candor and humility her own triumphs and mistakes in financial matters. What a terrific, useful, and heartfelt book.”
— Harold Pollack, co-author of The Index Card
“Reading The Joy of Money reminded me a lot of being on the radio with my crew chief while I’m racing under high stress situations. Carrie Joy keeps things calm, clear, and focused on what actually helps you move forward. She breaks money down into simple, manageable steps—no matter where you’re starting—and that’s how progress really happens.”
— Jimmie Johnson, 7-Time NASCAR Cup Series Champion, 2024 NASCAR Hall of Fame Inductee and Owner, Legacy Motor Club
“What I love most about The Joy of Money is Carrie Joy’s voice—authentic, smart, and on your side. She meets you where you are—whether ready to invest or getting out of credit card debt—and shows you exactly how to take control of your money, one concrete step at a time.”
— Farnoosh Torabi, host of So Money and author of A Healthy State of Panic
“The Joy of Money is a wonderful, clear-eyed and compassionate guide to building the money habits that deliver financial security—without shame, jargon, or one-size-fits-all advice. Carrie Joy Grimes, founder of the 9-million-member nonprofit Work/Money, shares hard-earned lessons from her own journey, and with humor and step-by-step guidance helps readers confront their fears, ditch money shame, and take real, doable action. Whether you’re trying to create a budget, paying off debt, saving for the future, or simply want to sleep better at night, this is more than a guide to finances. It is a call to believe in yourself, and to live the life you deserve.”
— Charles Duhigg, author of bestsellers The Power of Habit and Supercommunicators
“Carrie Joy brings heart and behavioral savvy to personal finance in a way I love to see. The Joy of Money is So Money! It nails both the math and the feelings of money—and gives readers practical steps that actually stick.”
— NYT Bestselling Author Tiffany "The Budgetnista" Aliche
“In The Joy of Money, Carrie Joy Grimes provides sensible and smart advice to take charge of your financial life. She helps you think through so many critical decisions: Is buying a home right for me? How can I improve my credit score? How should I invest for my retirement? She describes with candor and humility her own triumphs and mistakes in financial matters. What a terrific, useful, and heartfelt book.”
— Harold Pollack, co-author of The Index Card
“Reading The Joy of Money reminded me a lot of being on the radio with my crew chief while I’m racing under high stress situations. Carrie Joy keeps things calm, clear, and focused on what actually helps you move forward. She breaks money down into simple, manageable steps—no matter where you’re starting—and that’s how progress really happens.”
— Jimmie Johnson, 7-Time NASCAR Cup Series Champion, 2024 NASCAR Hall of Fame Inductee and Owner, Legacy Motor Club
“Reading The Joy of Money reminded me a lot of being on the radio with my crew chief while I’m racing under high stress situations. Carrie Joy keeps things calm, clear, and focused on what actually helps you move forward. She breaks money down into simple, manageable steps—no matter where you’re starting—and that’s how progress really happens.”
— Jimmie Johnson, 7-Time NASCAR Cup Series Champion, 2024 NASCAR Hall of Fame Inductee and Owner, Legacy Motor Club
“In The Joy of Money, Carrie Joy Grimes provides sensible and smart advice to take charge of your financial life. She helps you think through so many critical decisions: Is buying a home right for me? How can I improve my credit score? How should I invest for my retirement? She describes with candor and humility her own triumphs and mistakes in financial matters. What a terrific, useful, and heartfelt book.”
— Harold Pollack, co-author of The Index Card
“Carrie Joy brings heart and behavioral savvy to personal finance in a way I love to see. The Joy of Money is So Money! It nails both the math and the feelings of money—and gives readers practical steps that actually stick.”
— NYT Bestselling Author Tiffany "The Budgetnista" Aliche
“The Joy of Money is a wonderful, clear-eyed and compassionate guide to building the money habits that deliver financial security—without shame, jargon, or one-size-fits-all advice. Carrie Joy Grimes, founder of the 9-million-member nonprofit Work/Money, shares hard-earned lessons from her own journey, and with humor and step-by-step guidance helps readers confront their fears, ditch money shame, and take real, doable action. Whether you’re trying to create a budget, paying off debt, saving for the future, or simply want to sleep better at night, this is more than a guide to finances. It is a call to believe in yourself, and to live the life you deserve.”
— Charles Duhigg, author of bestsellers The Power of Habit and Supercommunicators
“What I love most about The Joy of Money is Carrie Joy’s voice—authentic, smart, and on your side. She meets you where you are—whether ready to invest or getting out of credit card debt—and shows you exactly how to take control of your money, one concrete step at a time.”
— Farnoosh Torabi, host of So Money and author of A Healthy State of Panic
GRAB YOUR FREE MONEY TOOLS
Build your own Joy of Money toolbox - real plan, real life, real money.
THE JOY OF MONEY GIVES YOU THE TOOLS; WORKMONEY HELPS YOU USE THEM.
Join the 9 million-member community for interactive resources, real help, and step-by-step ways to save, earn, and feel in control.
You don’t have to do this alone—together, it gets easier.

THE JOY OF MONEY GIVES YOU THE TOOLS; WORKMONEY HELPS YOU USE THEM.
Join the 9 million-member community for interactive resources, real help, and step-by-step ways to save, earn, and feel in control.
You don’t have to do this alone—together, it gets easier.

THE JOY OF MONEY GIVES YOU THE TOOLS; WORKMONEY HELPS YOU USE THEM.
Join the 9 million-member community for interactive resources, real help, and step-by-step ways to save, earn, and feel in control.
You don’t have to do this alone—together, it gets easier.
