Daniel Milstein - 17 Cents & a Dream: My Incredible Journey from the USSR to Living the American Dream

17 Cents and a Dream

Copyright 2013 by Daniel Milstein

All rights reserved.

No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without written permission from the author.

Library of Congress Control Number: 2013934681

ISBN: 978-0-9835527-4-1 (paperback)

ISBN: 978-0-9835527-5-8 (hardcover)

ISBN: 978-0-9835527-6-5 (eBook)

Visit our Web site at

www.DanMilstein.com

for more information.

This book is dedicated to Julie, my dream realized.

Contents

The following is a true story based on the events as I recollect them. Some of the names and situations have been altered and composite characters used as well as dialogue has been created for dramatic purposes and to protect and respect the privacy of individuals

Onward

A Foreword by Mark Victor Hansen

Everyone has heard some version of the rags to riches story, the kind that has an inherent warmth and appeal as you follow the path of individuals who overcame numerous obstacles and beat the odds to become successful in life. My friend Daniel Milstein is one of those people whose life might remind you of the protagonist in a Horatio Alger novel. The only thing that has been missing in Daniels life is a lucky break.

Daniel didnt come across a stolen wallet that he could return to someone who would turn benefactor: he did everything himself. In his original rags to riches story, success was achieved through sheer determination and hard work regardless of the numerous hurdles that tried to break every stride he took.

Nor did Daniel have the most comfortable life in his native country of Ukraine. Growing up with few necessities and no luxuries, he and his family decided to escape the persecution that the Jews were receiving; oppression that was especially hard on his family. With a lot of effort, drive, and a little miracle, they escaped their dire situation in the USSR, armed only with the hope of finding a better life in America.

Yet it didnt get any easier for them when they landed here. Like most immigrants, Daniel didnt speak English. Their family was so broke Daniel could barely even afford to buy a banana. Yet opportunity and grace and miracles bestow us all, if only were open to them. If theres one talent Daniel Mil-stein has, its recognizing opportunities where others see challenges.

That opportunity for Daniel was working at McDonalds. Daniel had gold stars in his eyes. He knew that with enough work, persistence, and chutzpah he could do anything. He took what others may have viewed as the lowliest of low jobs, cleaning toilets, and saw it as the first stepping-stone for something better for him and his family.

In the way people tend to do, his coworkers teased him and ridiculed him. The taunts he was subjected to would have broken anyones will, but not Daniel. He used the ridicule as inspiration and motivation.

The first hurdle that Daniel had to overcome was the language barrier. For a man who had a life like a bed of thorns, this would have been a Herculean task if there ever was one. But he did it. Daniel had sheer willpower and inspirational desperation.

The spiritual language has a saying, seek and you shall find. The concept is simple and straightforward. Once youve decided that you want to achieve something, everything around you will work to get it for you as long as you remain dedicated. This was what worked for Daniel.

Ive been writing my whole life, working on how to grow rich in a niche. When Daniel saw a niche, first by helping other immigrants, he jumped at the opportunity to help others. My parents were Danish immigrants, and I know first-hand the challenges they faced. But Daniel didnt see them as challenges. He said, What Im going to do is help the people that nobody else is helping.

Over the years Daniel has become the No.1 mortgage loan officer in the world, and has built one of the fastest-growing companies in the United States.

So what you have here is a guy who came from nowhere. He overcame the toughest of obstacles that would have pulled anyone down. He saw what he liked, decided what he wanted, and went after it until the world around him had to bend to his will so that he could get what he wanted and, through hard work, what he deserved.

Through pure determination, fortitude, and attitude Daniel pulled out of impossibly difficult situations. His story is true. His story is a personal inspiration to me, and I hope it will inspire you too and help maximize your potential so you may aim for the greatest of dreams.

Prologue

My American Dream

The wide bay window looks out onto a city brimming with both the promise of future possibilities and the pain of past failures. I spin my chair around just long enough to see the sun set. The colors span across city blocks, stretching shadows long on top of the many buildings that failed to survive the worst financial meltdown since the Great Depression.

I tilt my chair back and wrap my hands around the back of my neck as I scan the narrowed streets filled with cars and people, here and there, the remnants of the businesses that are no more. The bank on the corner went under. The mortgage firm down the road tanked. And all I can think about is the path I started on so many years ago that put me in this very chair today. Like a man caught beneath a rain of falling bombs, I not only dodged the devastation of the failing economy, I ducked my head, pulled at the wrists of those at my side, and ran past the falling debris of financial ruin. To survive, I sacrificed basic human needs, such as food and sleep, while many others in the financial industry were not so fortunate, and there are now silent brick and mortar buildings bearing the cold testament to their failure.

The phone on my desk rings and I am startled out of my daydream.

As the call has been answered at the front desk, I look into the distance and remember a time when all that inspired me were the Golden Arches high above McDonalds. My American dream began long before stepping foot onto American soil, but McDonalds was the place where my idea of everything about what America represented began. It was my chance to become whoever I wanted to be. As my grandfather always taught me, America was the place where I was allowed to dream big dreams, because anything could happen if I just worked hard enough.

Long after my years in the Ann Arbor fast food restaurant, an experience that gave me, a non-English speaking immigrant, his first opportunity, the owner of that same store purchased the land directly next to mine to build his multi-million dollar home. And even now, with the many blessings Ive received, I look back and remember these feelings of opportunity and hope for a better life for my parents, brother, grandmother, and for myself.

Life has become more than I ever could have imagined it to be when I was a small boy in Kiev. I didnt dare to dream about becoming a best-selling author or being appointed to serve on many boards, including my Alma Mater, or more importantly becoming one of the youngest CEOs of all time in a business that started out of a closet with my savings of $3,000.