Chris Hogan - Everyday Millionaires

2019 Lampo Licensing, LLC

Published by Ramsey Press, The Lampo Group, LLC

Brentwood, Tennessee 37027

All rights reserved. No portion of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any meanselectronic, mechanical, photocopy, recording, scanning, or otherexcept for brief quotations in critical reviews or articles, without the prior written permission of the publisher.

Dave Ramsey, The Dave Ramsey Show, EveryDollar, Financial Peace, Financial Peace University, The Legacy Journey, Smart Money Smart Kids, Rachel Cruze, The Total Money Makeover, and Retire Inspired are all registered trademarks of Lampo Licensing, LLC. All rights reserved.

This publication is designed to provide accurate and authoritative information with regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering financial, accounting, or other professional advice. If financial advice or other expert assistance is required, the services of a competent professional should be sought.

Unless otherwise noted, Scripture quotations are from the Holy Bible, New International Version, NIV. Copyright 1973, 1978, 1984, 2011 by Biblica, Inc. Used by permission of Zondervan. All rights reserved worldwide.

Scripture quotations marked NASB are taken from the New American Standard Bible, Copyright 1960, 1962, 1963, 1968, 1971, 1972, 1973, 1975, 1977, 1999 by The Lockman Foundation. Used by permission.

Editors: Jen Gingerich and Allen Harris

Cover Design: Brad Dennison and Chris Carrico

Interior Design: Mandi Cofer

Ebook conversion by eBook DesignWorks

ISBN: 978-0-977489-52-7

Printed in the United States of America

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This book is dedicated to everyone who has dared to battle against challenges and overcome obstacles.

For the courageous people who have been doubted by others but who refused to allow others opinions to become their limitations.

Your dreams are possible and worth the sacrifice and push it takes to achieve them.

Dont stop. You can do this! I believe in you!

And finally, to the Hogan boysTyson, Brock, and Case! Always remember that your daddy loves you so very much! You can achieve anything you put your mind, heart, and effort into! Dream big and work hard!

There is no way I would have been able to write Everyday Millionaires without the fantastic team of people I get to work with every day. I am forever grateful to:

Dave Ramsey, my mentor and friend. Thank you for your support, encouragement, and trust! You have spent your life chopping down myths so people could live their dreams!

Allen Harris, my editor. Thank you for helping me put the stories and research onto the page. You have incredible literary talents, my friend!

Jen Gingerich, my book guru! Thank you for leading this project from beginning to end. This book could not have happened without your input, guidance, and constant attention!

Preston Cannon, for helping shape and launch this project. You have been instrumental to every phase of this book. You are the book master!

Cody Bennett, for helping shape and guide the millionaire message and giving it your devoted time and attention. Your passion for the work we do inspires and energizes others.

Michelle Grooms, Rick Prall, and Pam Gibbs. Thank you for your incredible developmental and editorial support.

Luke LeFevre, Brad Dennison, and Chris Carrico, for having such creative vision for the design and cover.

Elizabeth Cole and McKenzie Masters, my publicity dream team. Thank you all for helping me share and spread this message across the nation!

Amy Warren, Tim Smith, and the Ramsey research team, for your diligence, effort, and pursuit of the incredible statistics and stories featured in this book!

Jeremy Breland, Suzanne Simms, Dawn Medley, Jen Sievertsen, Brian Williams, and the rest of our Ramsey Solutions team, for all of your time, effort, and energy spent in helping this idea become a reality. I am honored to work daily with each and every one of you!

Have you ever done something you thought would work, but then it blew you away by exactly how well it worked? Im talking about something that made such a huge impact that you were simultaneously shocked and proven right. I have. In 1994, I started teaching a little local money class called Financial Peace University (FPU). It was a labor of love for me. I had recently experienced a massive financial crash and getting out of that mess led me to a whole new way of handling moneyan approach rooted in common sense, down-home wisdom, and biblical principles. I taught people the basics, things like saving, budgeting, and getting out of debt. But I also taught them how to invest and start planning for a radically different future. More than five million people have been through that class in the past twenty-five years, and, looking back on what weve seen from those families, I feel both vindicated and frustrated.

I feel vindicated because, as it turns out, Gods ways of managing money actually work. People who went through the class and learned the principles from our books and radio show got out of debt. They got their lives under control. They started investing into their 401(k) and other retirement plans. They paid off their homes. Andsurprisethey built wealth. As we continued to talk to and work with these people, we discovered they hadnt just gotten out of debt, but they had become millionaires! They had experienced a complete transformation in their finances, and they changed the entire trajectory of their families lives. This stuff works!

However, I also felt frustrated. People were surprised that these millionaires started popping up. Even though we had talked about it for a quarter century, it was as though no one had ever heard us mention the likelihood of building wealth with these principles. People seemed to narrowly define me, our classes, our radio shows, and our books as the get out of debt material. Sure, thats always been a big part of our mission, but it was never the end goal. We didnt want people to get out of debt for the sake of getting out of debt; we wanted them to get out of debt so that they could build wealth... so that they could change their family trees for generations to come... so that they could retire with dignity and leave legacies... so that they could become outrageous givers and change their communities. Most people, though, only saw the emphasis on debt. They never noticed the so thatuntil now.

About fifteen years ago, two critical things happened in our company. First, we started noticing all the new millionaires who had come around us. These were normal, everyday, run-of-the-mill families who had gotten out of debt, started investing, and had recently hit the millionaire mark. Second, a powerhouse of a guy named Chris Hogan joined our team. He came from a banking background and began working as a financial coach specializing in high-net-worth clients. Most of his coaching clients had a net worth of $1 million or more. He worked with professional athletes, celebrities, and, of course, plenty of hardworking, middle-class families who had built wealth slowly and steadily. It was a new age for our company, as we were finally faced with the long-term success we knew these principles would bring