Many people are confused or embarrassed about the state of their finances, but do not always understand the underlying rationale that gave rise to their predicament. My Money and Me: We’re Talking Now by Henrik Kruse begins by looking inward to find the answers, reflecting that managing money is a mindset. Emotions, aspirations, and habits play a role. Money made has a direct relationship with the time spent earning it, and work should be balanced with personal needs. Your relationship with money is thus a reflection of yourself and your priorities. Early upbringing, parents’ beliefs, and social norms influence our thinking, while human frailty also affects choices. The author explores how we place value on money, what it buys us, and the psychology behind it. Life should not be measured by paychecks, nor should a budget spreadsheet become a prison that leads to resentment. The author asks readers to question whether their budget is realistic, what they are trying to control, and whether it defines the real you. Financial personality types are explored. Readers should be self-aware and avoid expectations, as dreams are not solutions. Feelings can be turned into action using the 5-step model.

My Money and Me: We’re Talking Now is not a traditional work about investments, savings, or budgets. It is about people, attitudes, questions, possibilities, and their relationship with money. Henrik Kruse does not offer instant solutions, but asks readers to take a fresh look at their finances. Dreams can be beacons, pointing the way rather than becoming an end destination. Money has meaning. It is a question of how you earn it and the way you spend it. We do not exist in isolation. Do gifts come with expectations, obligations, or judgments? It should rather be about freedom and choices. The narrative is based on two composite characters that readers will identify with, and their attitudes are contrasted. Everyday examples of money in action are also included. This work has a warmth that is often absent in books about money. It is concise, an invitation to reflect on and refine your attitude to money, and to yourself. The first step is to ask the right questions. The narrative concludes with brief biographies of those whose key ideas helped shape the book. It provides a fresh viewpoint and is highly recommended.

My Money and Me: We’re Talking Now by Henrik Kruse is a self-help book that shows how money is connected to our choices and the way we see ourselves. To make these lessons easier to follow, Kruse uses two characters, Maria and Jonas, to demonstrate. Maria, a mother in charge of the household finances, spends money carefully. But sometimes, when she is pressured by expectations, she makes choices that just feel right in that moment. This ends up making her feel bad and not good enough over time. Jonas, a freelancer, values enjoyment and freedom more than strict planning. This makes his money diminish quickly. Kruse uses their stories to show how common situations can teach us to think differently and make better financial decisions.

What I loved about My Money and Me: We’re Talking Now is how Henrik Kruse highlights an aspect of finance that we don't usually consider when making choices. Instead of just discussing how to make more money, the book focuses more on how we think and feel about money, and how it affects our decisions. Kruse's writing style made the book relatable and easy to understand. The pacing made it easy to follow, and the simple exercises at the end of each section gave me something practical to try right away. I found the examples relatable because they show real-life situations that many people face. The characters added warmth and made the lessons stick better than plain instructions. This book looks into themes of habit, honesty, and balance. I recommend My Money and Me to anyone who wants to better understand how their thoughts and feelings affect their financial choices.

My Money and Me: We’re Talking Now is Henrik Kruse’s scrutiny of money as more than numbers, speaking on how finances cross with psychology, identity, and everyday life. Kruse gives case studies, exercises, and examples of people like Maria and Jonas to show us how money is shaped by emotions, habits, social expectations, and unconscious influences instead of actual calculation. He talks about how traditional budgets often fail because they ignore priorities, and he offers flexible approaches that lean into values, dreams, and financial “domains.” In addition to teaching how money can carry symbolic weight in relationships and even serve as protection against past insecurity, Kruse has strategies to bring awareness, self-respect, and meaning into financial decision-making.

Henrik Kruse’s My Money and Me: We’re Talking Now is a really unique approach to the topic of money in how, unlike other books on finance, it actually looks at the very human elements of what money is to us beyond its tangible uses. Kruse mercifully stays away from jargon and instead uses a conversational writing style, which is extremely important when discussing things like shame and fear in a financial crisis, empathizing in a friendly tone how unspoken anxiety can keep people from addressing bills or seeking guidance. I like his framework of five financial personality types: the Planner, Bon Vivant, Minimalist, Protector, and Freedom Lover. I certainly found myself in there and have no doubt others will too. Overall, this is a sharp, approachable, and actionable guide that digs deeper into the realities of finance and the psychology behind it. Very highly recommended.

Money means more than we think, although not in the way we usually interpret it. Its value does not always depend on the amount, but on the context in which we receive and use it. We do not feel the same when we use it for a necessity as when we spend it on a luxury. So, without realizing it, we create routines that influence our finances due to our habits, family customs, hopes, and fears. That's why Henrik Kruse tells us that if we know ourselves better, we can create budgets that fit our needs. In My Money and Me: We're Talking Now, he encourages us to reflect on what we really want and to develop a plan to achieve it.

I loved Henrik Kruse's perspective on money. He perceives it as an emotional language because our shopping activities can generate different feelings. It could be the commitment to pay off a debt or the satisfaction of achieving a goal. However, the most important thing about spending is to view it as an act that brings you peace, freedom, and joy. He also notes that we tend to cling to what is safe because we fear change, so he motivates us to step outside our comfort zone to achieve a new approach to managing our finances. He knows that we can get stuck in a routine and feel lost about where to start. That’s why he guides you through examples and questions to help you create realistic budgets. I also loved his writing style: clear, with simple explanations and practical, friendly language that keeps readers interested throughout. My Money and Me: We're Talking Now shows that it's not how much you have that matters, but what you do with it.