The Making of a Millionaire

I am writing this book to demonstrate to people that you can never be too young nor can it ever be too late to start investing. People think they have all the time in the world to think about their retirement and as a result they buy the newest products available and spend most of their hard earned money on things they won’t even remember buying. This vicious cycle is usually called the rat race. For many people they learn about finances after they have financial trouble. By this stage it is very hard to stay afloat, let alone invest for retirement.

I want people to know that I am a 26 year old who never went to college, became a plumber and is worth over a half million dollars. I wasn’t going to publish my net worth but I want people to know that these ideas that I’m going to share with you really work. Your net worth is the total of your assets minus what you owe financially. I don’t get caught up in it because it doesn’t mean a lot to me. The money is a byproduct. What does mean a lot are the ideas that got me where I am today. I put this together in five years. Just think what I can do in the next five years. What can you do in five years? Or the next 10 years? Will you be better off than you are now? I’m not telling you this to toot my own horn but if I can do it, you can do it too and I am going to show you how.

In this book I am going to share my experiences, successes and failures. These experiences are what made me a lot of money. You can start taking control of your finances and retirement. You will be hearing these two terms repeatedly throughout this book because they are the two most important things that you need to know. People need to be thinking about their retirement at an earlier age and I have taken it upon myself to make my own retirement; not counting on social security or anyone else to give it to me.

Most people would probably like to win the lottery or get an inheritance but without educating yourself about your finances winning a million dollars won’t secure you financially. Getting rich won’t make you any smarter. Without the proper financial education you are very likely to lose money that you quickly acquired. Why I personally believe people don’t become wealthy is because most people spend more than they make and have no idea where to start. I am writing this book to help anyone who wants financial freedom or a comfortable retirement. You can have both and this book will get you there.

You are probably thinking that I grew up with wealthy parents or I somehow won the lottery. Maybe I have a great jump shot or have a great singing voice. I can definitely tell you that I have none of these. My parents make about the average income for people living in America; around $35,000. In Seattle the median income is over $50,000 a year. My mom is a copier for a copy company and my dad has been working on and off construction and in the security field. I have a decent jump shot but I don’t get paid for it and if you were wondering, no, I can’t sing so you won’t see me on American Idol anytime soon.

For the most part I am your average twenty-six year old. A lot of people can identify themselves with me because I don’t have a Harvard degree or any college degree for that matter and I grew up in the lower middle class. My parents worked extremely hard to provide food for our family and I noticed no matter how hard they worked it just seemed like they were always treading water. Ever since the beginning of high school I could remember my parents talking about selling their house and I was thinking to myself, there must be a better way to get ahead.

At and early age I was always interested in ways to make money. I would read all kinds of books from how to buy stocks to how to start a business. But after reading all those books what I realized is that the people writing them don’t show the reader where to start. It had probably been so long since the writer had started their successful journey that they forgot how they took that first step to becoming prosperous. A lot of writers want to tell you how much money they have but don’t explain the very basics that are needed to become independently wealthy. To a beginner the messages are sometimes confusing. My goal is to take the confusion out of it and explain what made money for me. This book will show you that you don’t have to be Donald Trump to make a lot of money in real estate or Warren Buffet to make money in the stock market.