Join our community to gain insights and achieve your family goals
Learn more about The 3M's of Money, by Johnetta Johnson
Summary
Johnetta Johnson’s The 3Ms of Money is a heartfelt, practical guide designed to meet single mothers where they are—often juggling bills, caring for kids, and trying to make ends meet. With warmth and honesty, Johnson shares a simple yet powerful framework—Mindset, Make the Money, and Management Mastery—to help readers build financial confidence and stability one step at a time.
In the Mindset section, Johnson invites you to rethink the beliefs and fears that may have been holding you back. She shows how “scarcity thinking” can keep you stuck in survival mode, and offers gentle exercises to shift toward a mindset of worthiness and possibility. Her reflections encourage you to embrace your right to receive, to dream, and to define what financial peace looks like for you and your family.
Moving into Make the Money, Johnson focuses on practical, real-life strategies for earning income that work with your busy schedule. From home-based opportunities like freelance work and reselling to ideas for starting small side businesses, she lays out manageable ways to build income without needing a huge investment of time or money. Importantly, she reminds you to protect your energy and avoid burnout by setting boundaries and pacing yourself.
Finally, Management Mastery brings it all together by showing you how to manage what you make. Johnson’s advice on simple budgeting, saving—even when money is tight—and beginning to grow your money through small, achievable steps feels both realistic and encouraging.
What sets this book apart is Johnson’s deep empathy and understanding of the unique challenges single mothers face. Her voice is kind and supportive, with reflections and “Money Mirror Moments” that let you pause, reflect, and celebrate progress. The 3Ms of Money is not just about finances—it’s about reclaiming your power, one small, steady step at a time.
#SOWLOVE The best time to plant a tree was 20 years ago. The second best time is now.
Chinese Proverb
