Money Analysed

From High School Band Director to Successful Online Entrepreneur: The Inspiring Story of M$M Founder

and Personal Story

When it comes to personal finances, having a solid understanding of budgeting, investing, and money management can make all the difference. However, not everyone is born with these skills, and even those who have a natural propensity for finance can always benefit from learning more.

That’s why personal finance bloggers like M$M’s founder exist, to share their knowledge and help those who may be struggling in this area. M$M, short for Millennial Money Man, is a popular personal finance blog with a devoted following.

Its founder, Bobby Hoyt, was not always a financial guru. In fact, he started his career as a high school band director, with no real expertise in money management.

But after realizing he was living paycheck to paycheck and struggling to make ends meet, he decided to make a change.

Journey from high school band director to blogger

Hoyt’s journey to becoming a personal finance blogger was not an easy one. He began by teaching himself the ins and outs of budgeting, investing, and debt repayment.

He had to cut back on expenses, sell his possessions, and work multiple jobs to pay off his debt and build up his savings. In 2015, Hoyt started M$M, initially just as a way to share his personal finance journey with others.

But his expertise and engaging writing style quickly drew in an audience, and he soon began earning income from the blog through affiliate marketing, advertising, and selling his Facebook courses. Now, Hoyt’s blog has become a go-to source for young adults looking to gain control of their finances.

He has even been featured on popular media outlets like CNBC and Forbes.

Online Business Income for the Month

One of the unique aspects of M$M is its transparency when it comes to income. Hoyt regularly publishes articles detailing the revenue he has earned from his various online income streams, so readers can see exactly how much money can be made from blogging as a side hustle or full-time job.

Facebook Courses

Hoyt’s two main Facebook courses, the Facebook Side Hustle and Blow Up Your Blog, are major sources of income for him. In one recent income report, he revealed that he earned over $52,000 from the Facebook Side Hustle alone.

The courses teach students how to use Facebook ads to grow their businesses or blogs, and are geared toward those who are just starting out in the online world. In addition to course revenue, Hoyt often answers questions from readers about charging clients for Facebook ad costs.

He advises that freelancers or marketers should be sure to communicate clearly with clients about how these costs will be handled, and should aim to cover their own expenses while still providing value to their clients.

Digital Marketing Income

As someone with expertise in digital marketing, it’s no surprise that Hoyt earns income from this area as well. He takes on clients who need help with social media management, SEO, and other marketing strategies, and charges a fee for his services.

Affiliate Income

Affiliate marketing is a common revenue stream for bloggers, and Hoyt is no exception. He earns affiliate income by promoting products he truly believes in, such as student loan refinancing services through Credible or website hosting through Bluehost.

Staff Writing

Hoyt also earns income from writing articles for other publications. As a respected financial expert, he often receives requests to write for outlets like The Huffington Post or CNBC.

These opportunities not only provide him with a way to earn more money but also help to establish him as an authority in the field of personal finance.


Finally, Hoyt earns income from placing ads on his website. Advertisers pay him a fee to have their product or service displayed on his site, and Hoyt earns a percentage of that fee.

The amount of income generated from ads can vary widely based on traffic, but it’s still a reliable source of revenue for many bloggers.


If you’re looking to earn income as a blogger, there are many paths you can take. Whether you choose to offer courses, provide services like digital marketing, or rely on affiliate income and ads, the key is to find what works for you and stay persistent.

Bobby Hoyt is just one example of someone who has found success in the online world, and there’s no reason why you can’t do the same. As an online entrepreneur, Bobby Hoyt’s life is full of exciting twists and turns.

In addition to keeping readers updated on his monthly income reports, he often shares personal news and exciting developments within his business. Here are some of the latest cool things happening for M$M.

Retirement of M$M founder’s spouse

Recently, Hoyt has been celebrating the retirement of his spouse. After years of hard work, his partner has finally been able to step back and enjoy a more relaxed lifestyle.

Hoyt has been open about the challenges they faced during his partner’s career, including long hours, unpredictable schedules, and constant stress. Now, they are both looking forward to the next chapter in their lives.

Hoyt has spoken about how he plans to support his partner’s retirement by continuing to build his own business. With M$M continuing to grow, he hopes to eventually provide not just for himself, but for his entire family.

Launch of Laptop Empires podcast and website

Hoyt has also recently launched a new project titled Laptop Empires. This venture includes a podcast, website, and membership community that focuses on teaching others how to start their own online businesses.

In many ways, Laptop Empires is an extension of what Hoyt has been doing with M$M. However, instead of specializing in personal finance, the focus is on helping others create and scale their own businesses.

The website includes articles on topics like affiliate marketing, SEO, and email list building, while the podcast features interviews with successful entrepreneurs who share their tips and tricks. For those who are looking to become part of the online business world, Laptop Empires provides a wealth of information.

And for Bobby Hoyt, it’s an exciting new venture that allows him to share his knowledge and help others succeed.

Turning 30

Finally, as Bobby Hoyt approaches the age of 30, he has been reflecting on his life and his accomplishments so far. While he admits there have been ups and downs, overall he feels grateful for what he has been able to achieve.

He has a successful business, a supportive family, and a bright future ahead of him. This milestone birthday also represents a turning point for many people.

It’s a time to reassess goals, evaluate what’s important, and make plans for the future. For Hoyt, this means continuing to grow M$M and Laptop Empires, as well as pursuing new opportunities that come his way.


As M$M and Laptop Empires continue to thrive, Bobby Hoyt’s life remains full of exciting developments. From the retirement of his spouse to the launch of his latest project, he is constantly pushing himself to do more and be better.

And as he approaches a new decade in his life, he is excited to see what the future holds. Whether he’s sharing financial advice or entrepreneurial tips, you can be sure that he’ll always be working hard to help others succeed.

In summary, Bobby Hoyt’s journey from high school band director to personal finance blogger has been inspiring and educational. As the founder of M$M and Laptop Empires, Bobby has not only achieved financial success but has also created a platform to share his expertise and help others.

From the recent retirement of his spouse to the launch of his latest venture, Bobby’s life is a testament to the power of hard work and persistence. By following his example and implementing his advice, readers can take control of their own finances and build successful, profitable online businesses.

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