By Adam Jusko,,

Here at KM Credit Money our mission is to proudly talk money without hesitation or shame — how to get more and how to better spend it. The new book You Need More Money, by Matt Manero, speaks our language. In fact, we should be using that title as our site tagline. Too late, I guess.

Manero’s thinking goes like this: No matter where you are financially, it’s very likely that you need more money in order to truly be free. Being free doesn’t mean covering a few months’ expenses if you lose your job or get sick. It means being able to pay for whatever you need to pay for, when you need to pay it. If something catastrophic happened to you, your home, your spouse, another family member, could you cover the costs without going into panic mode? If not: You Need More Money.

Sure, money isn’t everything. But money can make a lot of bad situations better. If someone close to you was sick, would you want to spend most of your time comforting that person and trying to help, or would you want to spend that time figuring out how to pay hospital bills on top of the regular expenses that don’t go away? Manero uses the example of his brother-in-law, who was diagnosed with cancer. When he confessed to Manero that he was essentially broke, it was Manero who had the money to make sure the family was taken care of. His “Need More Money” mindset put him into a position to help when disaster struck. But not all of us have a rich family member who can jump in and save us. We need to do it ourselves.

Now, when do you get to the point where the book’s title changes, when you don’t need more money? Manero sees it as having a net worth of at least 10 times your yearly salary, though even then he doesn’t necessarily think you should let up. His idea of paradise is having enough to truly live your “Lifestyle By Design” — going beyond having no immediate worries to a place where you can do just about anything you choose with your days.

In general, You Need More Money is going to give you similar advice to many personal development and financial improvement books, including how to get started down the path to wealth and how to take the right steps to improve your value so you earn more. For me, then, the book’s strongest point is the relentless message that settling for being financially “OK” is not just unsatisfying on a personal level, but is also dangerous or maybe even irresponsible. Your life could change in a minute, and all the years of being content with being “not broke” will be exposed as very poor planning.

Finally, I like that Manero is not writing from a place of glamour, or as someone who got rich by selling self-help to others. His core business is financing commercial vehicles — lucrative maybe, but hardly sexy to the average person. That’s good, because Manero comes off just like you or me. He’s a regular person who has hustled and built a great life in an “ordinary” career, without family connections or dumb luck. (There’s nothing worse than reading self-help guidance from some beautiful and/or connected person who was born on third base and thinks he/she hit a triple.)

You Need More Money helps you put the pedal to the metal in accumulating wealth, and then inspires you to keep giving it gas.