We are Millionaire Grinders! What is Millionaire Grinders? It’s a concept. It’s a lifestyle. It’s a mentality. It’s a way of thinking. A fortitude way of thinking to achieve a goal. Millionaire Grinders is a personal finance self-help book. It’s a book I have been working on for years. I wanted to create a financial literate book that all people can relate to and learn from. This book covers everything from banking to buying a car, a house to investing in stocks, retirement accounts, to cryptocurrency. I envisioned my book to be like a college textbook. But my book does not only offer education and information, but it also offers my personal experiences and what I recommend. There is a lot of value in education and knowledge, but I believe there is more weight in experience. This book would not be what it is today without the adversities I had to overcome. I’ve been stiffed by friends and family hundreds of times for thousands of dollars each time. I’ve also lost countless of my lifesavings to my gambling addiction. I even had some financial advisors who told me that my ideals were overwhemingly optomistic and delusional. They argued that my goals were implausible and unsustainable. I had the odds stacked against me. At one point I did lose everything including myself. But losing everything was the best thing that ever happened to me.

I wouldn’t change a single thing. My mistakes led me to a fortune of wisdom. I don’t think I would be able to figure out how to get out of the hole without getting into the hole. I figured out more ways to save than I possibly could imagine. I was also able to validate my ideals, but I realized that this wasn’t just about me, I was seeing so many people around me, who were digging themselves into a bigger hole. I was able to find a pathway to financial freedom and I wanted to share that wealth of knowledge through this manuscript. So much of our lives are reflected in our personal finances. Everyone wants financial freedom, but so many have this perception that money is the key to that gateway. Having money is nice, but it is essentially useless without proper management. I’ve talked about this several times in the book, having more money doesn’t solve your financial issues. It can actually create more problems if not handled with care.

Many people lack the critical money management principles, the financial basics such as budgeting skills and financial responsibilities. While some do know the basics, they simply do not apply them and completely disregard them. The cliché, Ignorance is bliss, couldn’t be more appropriate. Both are clearly missing the formula to be financially successful. Knowledge is certainly power, but without action, it is completely ineffective. What they are missing is the mentality and that mentality I like to call, the grinding mentality.  This is the ingredient people need to prosper financially. With the right mindset, you can do just about anything.

I didn’t get where I am today by winning the lottery, inheriting estate, settling from a disability, or receiving from a large settlement, winning a massive parlay or working laborious hours.  I did it with a certain mindset. And I challenge you all to take a hard look at your personal finances. Are you doing everything you can to diminish your debt? Are you doing everything you can to elevate your assets? Your effort can drastically impact your personal finances. Millionaire Grinders is not so much about making more money, it’s about the mentality, the grind, and having a judicious way of life. The goal is not to make a million dollars. The goal is to acquire a certain mentality. It has always been about the mindset, not about being or becoming a millionaire. A million dollars may be a highlight of your life, but it won’t take you in leaps and bounds, in fact you’re more likely to take your money for granted and your money will fall precipitately. Money is temporary and limited, it’s not infinite, but the mentality is. Only the mentality will take you to the next step and everything beyond. That is the concept and theme of this book, to get you grinding like a millionaire, but keeping that mentality, that’s the real grind. That’s what we are about. That’s the true meaning of Millionaire Grinders.