Millionaires Unveiled

Rachel Cruze is the author of several books including her new book, "Know Yourself, Know Your Money: Discover WHY You Handle Money the Way You Do, and WHAT to Do about It!" We discuss money habits and how to change them for the better, teaching kids about money, work/life balance for a working mother, and what it was like to grow up as the daughter of Dave Ramsey. Check out Rachel's new book (https://amzn.to/3sR6umb) and send an email to [email protected] to enter the giveaway.

Taylor is a returning guest from episode 27 when he had a net worth of 500K. In the last 2.5 years he grew his net worth to one million dollars. He is 31 years old and works in finance for a startup company. He has 10% of his net worth in cash and 200K in home equity. He saves 7-10K a month. Taylor also discusses the decision of paying his home off early and his experience with hard money loans.

Tony has a current net worth of 2.5M, a large chunk of which is in his paid for house and a rental property. Tony discusses managing his career including work/life balance, deciding whether to pay off his house early, being a good/improving father, personal debt, the advantages of using a financial advisor, and more. Tony worked for Dave Ramsey for about 15 years and built a successful career; he's now starting his own personal finance company and has written a book.

Harry has a net worth of 1.8MM. He was active duty in the army for ten years and served in the reserves for an additional 20+. He is invested primarily in index funds spread between both domestic and international holdings. Harry discusses saving and investing money and encourages all to invest even just a little; he believes there is never a perfect time to invest so investing little by little and living below one's means is the path to success.

Dan is a refugee with a current net worth of 3.8 million. He came to the U.S. at the age of 17 years old with $10 in his pocket. He obtained a marketing degree, found a job, and ended up staying with the same company for 34 years; he is recently retired. He became a millionaire at age 55 and has a significant amount of his wealth in retirement accounts. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Will has a current net worth of 1.3M, of which 300K is his paid for house. Of the remaining amount, most of it is invested in the equity markets split 65% in domestic stocks and 35% in international stocks. We talk with Will about his decision to pay off or not pay off his primary home, career advice and accepting new opportunities, and whether his friends and family know of his "millionaire" status. Email us at - [email protected] s Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Chad is an elected city treasurer and small business owner; he works as a financial fiduciary. As the city treasurer, he manages a 360MM investment account. He discusses his investment mindset for both his personal and city investments, including having a long-term approach. Chad also shares what to look for when hiring a financial advisor. To learn more about Chad - https://www.pacificcapital.com/chad-willardson-3/

Jason is a college professor with a current net worth of 625K. He is 47 years old, married, and has one child. Together with his wife they had about 280K in student loans - Jason shares his advice for how to pay them off, why to avoid them at all costs, and how he was able to not be discouraged while paying them off. He has 180K in home equity and works additional hours and over the summer to make an extra 30-35K in income on top of his regular salary. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

David has net worth of one million dollars which is nearly all invested in self storage and other real estate. He shares his story of the first self storage deal - how he found it, fixed it up and flipped it around, and expanded on additional land. David now collects over 10K in passive income annually from three of his properties. He is 38 years old, has a background in engineering, and now works 60+ hours a week to reach his financial goals. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Travis has a net worth of $2.7 million, of which $1.6 million is in real estate equity. He currently owns about 20 units which generate about 10K of monthly cash flow. He's 40 years old, and also holds about 550K in his 401(k). Travis shares his thinking on why tracking and building cash flow is more important than just a higher net worth. He also talks about his financial advisor and why that relationship is valued. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Caleb has a current net worth of over eight million dollars. He has about 800K liquid in primarily cash and the remainder in his small business (7.6MM) of which he owns 100%. He has no stock market or real estate investments and has chosen to put most all of his net worth into his business. Caleb is passionate about four things in the financial process that can help make one successful 1) Clarity on what you want, 2) Efficiency - optimizing cash flow, 3) Consistency and 4) Use the money wisely to help you now and in the future. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled Book and Assessment Link: Take our FREE Financial Assessment Get my FREE Book, "The AND Asset: The Secret Way To Save & Use Your Money At The Same Time" (just cover shipping!)

Max has a current net worth of 1MM and owns a gas station as well as a couple rental properties. He grew up poor in India and came to the United States as a teenager. He then went to different schools in the states while working as a hotel manager. When the hotel unexpectedly closed, Max was without a job and without any savings - he lived homeless on the streets for six months. He was able to regroup and has since grown his net worth to become a millionaire! He shares not only his story of perseverance and hope, but also mistakes he made and his financial advice. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Joel is an electrical engineer/software engineer and has a net worth of over 500K. We unveil his asset allocation and discuss rebalancing a stock portfolio (he recommends doing it quarterly or annually), maxing out retirement early/front loading the work, and his experience using a financial advisor. Joe shares his story which includes working multiple jobs, attending school while working, and exploring different job opportunities. Joel paid off over 40K of debt and is now well on his way to becoming a millionaire! Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Andy Hill has a net worth of 1.1M and unveils his allocation and investment story. Andy worked in corporate event marketing for 15 years before quitting to work on his small business (https://marriagekidsandmoney.com/). He has a paid for house (420K), 100K in cash, and about 500K in retirement accounts. In 2010 he had a net worth of negative 50K. Andy shares advice and his thoughts on paying off one's primary mortgage, investing in index funds, and starting a small business. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Kevin has a current net worth of 1.4MM and was kind enough to share his life and financial story. When Kevin was just 30 years old, his father passed away at the young age of 62. Without a will, Kevin and his brother traced down any and all financial records left by their father. Kevin has a great story of his own and shares motivating thoughts on frugality, savings, mindset and the importance of having a will or a trust.

David is a police officer with a current net worth of 2.1 million. He was in the Marines for eight years before working in corporate america and then becoming a police officer; He was 39-years-old when he became a millionaire. David invests heavily in precious metals (nearly 250K) and multifamily real estate. We discuss how his real estate holdings were hit in the economic downturn of 2008-2009 and how that changed his investing strategy. In 2006, David had a net worth of 600K and in 2009 it had dropped to negative 200K. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Neal Bawa has a current net worth of between five and ten million dollars. He shares his story and investment allocation which includes primarily real estate but also gas stations, hotels, fourplexes, and stock market equities. He discusses how COVID has impacted his collection and vacancy rates and also how he started in real estate. Neal is a big believer in Karma, and building up a reserve of good things to come in the future. Check out his free course at: https://www.udemy.com/course/realfocus/ Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Jonathan is a financial advisor at Lionsgate Advisors. We discuss the financial planning industry, who needs a financial advisor, and why he believes the industry has a bad rap. Jonathan also shares the importance of having a clear vision and goal for where you want to be. We also discuss the "order of operations" of investing - where to save and invest the next dollar.

Dan has a current net worth of about 10M, of which 30% is invested in gold and 20% in cash. Dan shares his story about almost going bankrupt in 2008 to working his way out and growing his net worth rapidly. He now focuses on passive income and preserving capital, but shares thoughts on investment risk, taking chances, and high savings rates. Ten years ago he had a net worth of 15K. Check out his website at: https://www.futuremoneytrends.com/ Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Chloe works as a nurse and has a current net worth of 640K. Of the 640K, 110K is in cash and the remaining 510K is invested in the stock market. Chloe discusses her background which includes earning scholarships and grants while attending a public school and incurring no student loan debt. She shares mistakes and advice and talks about managing investment risk tolerance with her husband. Chloe has a current goal of reaching 1M by age 40 with a longer term goal of 1.5M in net worth. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

David has a current net worth of 6.4M. Of the 6.4M, about 3M is in real estate, and 3M in retirement accounts between both his and his wife's IRA. He recently retired and has several rental properties. David had an initial net worth goal of 5MM when he was first married and has now shifted to focusing on passive income vs. net worth. He made his first million in 11 years, and his second million 6.5 years later. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Lloyd Edge is a music teacher turned real estate investor. He has a current net worth of over 10MM USD. He decided to invest in real estate while teaching when he decided that he wouldn't be able to retire with enough money from just teaching alone. He lives in Australia and worked as a teacher for 15 years prior to quitting. Lloyd became a millionaire at the age of 38 and currently makes over 250K in annual passive income. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Jace is interviewed on his own show to share his millionaire story! He unveils his portfolio allocation which includes 400K in retirement accounts along with holdings in both small business and real estate. He discusses mindset, goal-setting, intentionality, and how it all started from working a paper route and a lawn care business. Jace also shares general mistakes and advice from his financial path and how he was able to reach millionaire status at such a young age. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Rina and Justin are the guests of this week's episode; they have a net worth of 1.3MM. Together they have eight rental properties, five single family homes and three townhouses; five of the eight properties are paid off. Together, the rental properties cash flow about 5.5K a month. Justin also serves actively in the Navy and they currently live abroad. They have a net worth goal of 12MM. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Tom has a net worth of 800K. He was the oldest of 13 children and now has eight kids of his own; his wife does not work outside the home. He is 39 years old, has two rental properties (single family homes worth 330K and 530K) and about 220K in retirement accounts. He currently lives overseas in Japan and shares how he was able to successfully save and invest while having a large family and living on a single income. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Today's guest, Chris, has a net worth of over five million dollars. He is invested nearly all in real estate. He employs a real estate strategy of lease-to-own and owner financing on primarily single family homes. We discuss how Chris first started in real estate, how one of his deals may work, and the importance of having a good coach or mentor in your life. Book - https://smartrealestatecoach.com/ebook/ Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Daniel has a current net worth of 2.7MM, 1MM of which is invested in retirement accounts. He works as an electrical engineer and is 44 years old. Daniel shares that he lost about 700K during COVID which has since rebounded. He discusses his investment allocation (mostly index funds), averaging into the market, paying off his primary residence early, and the importance of starting to invest early. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Leslie has a net worth of $500K. He's an immigrant from Cameroon and a new real estate investor. Of the $500K, 40% is invested in real estate while the remainder is in cash and stock market investments. We discuss personal improvement and mindset, how Leslie got his start, and what makes him happy now. He also shares how he got started in real estate and the specific moment when he decided to make a real change in his life towards a promising future. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

John has a current net worth of 2.5MM. He has about 800K invested in his paid off primary home, 400K in retirement accounts, and the remainder in brokerage accounts. Upon college graduation he had several job offers and chose to work for a smaller company in which he was able to move up the chain and receive equity. He discusses his career path, asset allocation, and what happiness means for him. John became a millionaire at age 32, and hit his second million at the age of 35.

This interview is different than our normal weekly interviews. Instead of interviewing a millionaire and hearing about their financial journey and story, we were interviewed and share what has stood out to us from interviewing over 150 millionaires. This original interview appeared on the Earn and Invest Podcast - https://www.stitcher.com/podcast/paul-david-thompson/earn-and-invest/e/77084639 Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Daniel is an immigrant from Brazil and has a net worth of 1.6M. He shares his portfolio allocation which includes investment and retirement accounts, education savings accounts, real estate rentals, and cash. Daniel is married with two sons and lives in Arizona. He talks about the impact of COVID on his finances which included losing about 200K in the market. Daniel also discusses the importance of being on the same page with one's spouse when it comes to finances. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Today's guest is Gino Barbaro. He is a multifamily real estate investor and former restaurant owner and operator. He shares how he started in real estate, details on his first few deals, and how to get started in real estate now. Gino also discusses losing 172K on one of his first real estate deals - a mobile home park. He provides terrific advice about real estate including, "buy right, manage right, and finance right."

Today's show is a follow-up with Doc G. He originally appeared on the show in May of 2018 on episode 28. During that interview, he had a net worth of $6.5MM and now has $7.5MM. He discusses why he quit his job, when enough is enough, and what has stood out to him since. He has about 700K in home equity and money in retirement and non-retirement accounts as well as in real estate and cash holdings. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Peter has four rental properties and his primary residence (which he paid off in four years). Of the rentals, one is paid off and the others have healthy leverage ratios. He came to the United States at the age of 9 and has worked primarily for a cable network company. We discuss Peter's allocation (including 200K in his 401(k)), what brings him happiness, and his usage of solar panels. For a big chunk of his career, Peter made 30-50K and at times worked multiple jobs to get ahead. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Jackie has a net worth of $1.3MM and recently retired from her corporate job. She has a fantastic story of determination and focus to become financially independent/free. Jackie talks about her upbringing in poverty, being a first generation college graduate, having a daughter, and working in corporate America. She has almost $1MM in retirement accounts and about $140K in her HSA. Check out her website at http://moneyletters2.com/ and the video below. https://www.marketwatch.com/video/divorce-inspired-this-woman-to-learn-about-money-and-she-retired-early/8FA5FFFE-3517-4BCC-8DF7-56C1812D2977.html Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Nathan is an entrepreneur who has started several business and has a net worth of over one million dollars. We discuss his entrepreneurial journey and how he has started each of his businesses with less than $5K. He shares how he invests money outside of his business and his thinking for how much to put back into the business. We also discuss advertising methods and when to hire a virtual assistant. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Today's guest, Doug has a net worth of about one million dollars. He started his financial journey with Dave Ramsey and is diversified between the stock market, HSA, real estate, and an employee stock ownership plan (ESOP). We discuss his ESOP plan and how it works as well as his decision to start investing in real estate. Doug shares details on his portfolio allocation as well as details behind his first real estate deal. He currently owns and self manages 11 units. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Phillip has a net worth of 2.4M. He's an Air Force pilot, and his wife also works as a pilot for a major airline. He is 39 years old and has several rental properties which cash flow 3K a month. Phil talks about self managing his rentals, the platform he used to buy them, and the numbers behind the purchases. He talks about money being a tool, and that family and experiences are what matter most. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

John is a retired chiropractor with a net worth of over five million dollars. Additionally, he has monthly passive income of 20K. At the age of 30, he set a goal to have passive income of 220K annually. His financial motivation kicked in at the age of 30 when he read the book, "Think and Grow Rich." At the age of 33, he had a net worth of $0. He discusses his mindset shift, investing strategy, and the book he wrote titled, "The Wealthy Gardener." - https://amzn.to/2DfLfqm Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Chris Hogan, author of the books "Everyday Millionaires" and "Retire Inspired" joins us for today's episode. He talks about the three things that hold people back from success, how much one needs to retire, and why an emergency fund is no longer optional. Chris also talks about debt in real estate investing and why he considers it a risk. We talk about the impact of COVID on personal finances and what people can do now to ensure they are financially secure. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Today's guest, Randy, has a net worth of 1.6M. Of his nearly one million dollars in market investments, 20% is invested in single stocks including Tesla, Apple, and Amazon. 50% of his stock investments are in VTSAX. He also has one rental property which breaks even. He's in his late 40's and share the importance of continual education and creating a plan for one's life. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Dennis is an IT sales professional with a net worth of over one million dollars. He takes a three bucket investing approach which includes, a) cash, b) 60-40 stocks to bonds, and c) a nearly 100% equity bucket. Dennis talks about whether to pay off one's home, and how he was able to overcome $283K of debt. He's currently 40 years old and had a college GPA of 2.67. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

Alex has a current net worth of 500K and owns eight single family rentals and one multifamily investment property. He didn't start saving and investing until he was about 30 years old. Alex shares the details of his real estate deals including the strategy behind his single family rentals. He discusses the value of passive income, real estate vs. equity investments, and provides investing advice. Check out his blog at www.brokeisachoice.com Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

John is an airline pilot for a major airline and has a current net worth of 2.2M. On average, he made just 18K in his twenties, 50K in his 30's, and 90-100K on average in his 40's. He became a millionaire at the age of 46 - the same age he first made 100K. 73% of his 401K and Roth holdings are in single stocks while the remainder are in mutual and index funds. He discusses the cost of flight school, the benefits of being a pilot, and how he has shifted his mindset to increase his spending. Email us at - [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled Sponsor - www.savethechildern.org/savekids

Matt has a current net worth of over $1.3 million dollars. Together with his wife, they have a household income of about 250K which has increased steadily over the years. He discusses why he invests virtually nothing in international stock, the importance of Roth IRA's for children, and how being financially successful has removed stress from his life. Matt currently works as a portfolio manager and financial advisor. Email us at: [email protected] Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled Sponsor - www.savethechildern.org/savekids

Today's guest is Dr. Benjamin Hardy, author of "Personality Isn't Permanent" and "Willpower Doesn't Work." Ben brings a different lesson to the show in working to control the outcome of your life. He shares that personalities can constantly change, addictions and past hardships can be overcome, and the vision one sets for their future self is a critical piece of success. Check out his new book at https://www.penguinrandomhouse.com/books/607021/personality-isnt-permanent-by-benjamin-hardy-phd/.

Mark has a current net worth of 1.5 million. He's invested primarily in the stock market but also has a self storage investment, his primary residence, real estate, and a 529 plan. He's tracked his net worth consistently for the last 18 years. Mark also wrote a book titled, "Dad's Little Book of Wisdom: A Guide for Young Professionals to Achieve More, Earn More, and Live a Good Life" (https://amzn.to/3haoLpQ). He shares details on his career and how faith has played an important role in his journey.

Today's show highlights the story of BK. He has a current net worth of just over three million. He has money invested in both commercial real estate and the stock market. He previously used a financial counselor but currently does not. He reads about seven books a month and stresses the importance of continuous learning and self-improvement. BK's market investments are mostly invested in index funds and he holds 200K in cash.

Tim Bratz is today's guest and has a current net worth of 30 million dollars. 97% of his net worth is composed of multifamily real estate. He owns and operates about 3,700 units and has a portfolio value of nearly $300 Million. He's 34 years old and reached his first million at age 29. Tim shares how he got involved in real estate, the structure of his investments, and three rules for successfully investing in real estate.

Nate is a real estate investor, business/life coach, and dad. We discuss his career history and progression, as well as how he started investing in real estate. He shares details about his first deal and some of the struggles and success from the purchase. Nate talks about his 15K of passive income monthly from real estate as well as what he's teaching now to the clients whom he coaches. Check out his website at http://www.natebaileyspeaks.com/.