Can Anyone Become a Millionaire?

No Short Cuts, No “get rich quick schemes” but the Real Truth About Building Wealth

Professor Schwartz
8 min readFeb 19, 2023

In 2016, Vermont resident Ronald Read passed away with nearly $8 million in the bank. That might not seem remarkable, until you learn that Mr. Read was a janitor and gas station attendant. (here’s the CNBC article

That’s right, Mr. Read built a fortune, despite never earning more than $25,000 a year. So how did he do it? And what lessons can you learn from his story?

Building wealth seems more like a pipe-dream than a reality. The path to a million dollars is so overwhelming for most people that they give up before even trying. And that’s the single biggest mistake 99% of people make.

So how did Mr. Read become a millionaire, even though he didn’t earn a lot of money?

Lesson #1

“It takes money to make money”

You’ve probably heard this saying before, but do you know what it really means?

What 99% of people misunderstand about this saying is that they think it’s talking about wealthy people—when the truth is it’s speaking directly to you. The reason the road to $1 million seems so far away is because building your bank account from $0 to $500,000 is really hard.

And because it’s so difficult to reach the $500k mark — most people give up before they ever get close.

But when you realize that “it takes money to make money” isn’t talking about rich people’s money, but giving you a treasure map to building wealth — the world looks very different.

Here’s what you can learn from the Vermont janitor’s story?

Find a way to grow your savings to $500,000! That’s the benchmark. It’s not $1 million or $2 million — you need to reach $500k — and here’s why?

Millionaire Math

For the last year, I have been working on developing an education program for people to become millionaires. Yes — YOU!! It’s not easy, and it requires sacrifice, but it works. And the reason it works is because it uses MATH. No, not the math you learned in school — REAL MATH!!

5% Interest

It’s not impossible to earn 5% interest, in fact it’s very reasonable to find investment and savings products that can earn you 5% annually. The obstacle that 99% of people run into is — they never do the math.

Here’s a sneak preview at some of the Millionaire Math:

If you have $10,000 in the bank or an investment product and you can earn 5% interest, at the end of the year, you will have an additional $500.

If you have $250,000 saved up and earn 5% interest, at the end of the year, you will have an extra $12,500.

But what happens when you have $500,000 saved up?

When you have $500k and earn 5% interest, at the end of the year, you will have earned an extra $25,000 per year.

Lesson #2

“A penny saved is a penny earned”

Critics of the public school system like to say the reason 99% of Americans are bad with money is because schools don’t teach Millionaire Math and financial literacy.

As an expert in the education field, who spent more than 20 years inside the K12 system — I can tell you this is not the problem with our schools. (Trust me our schools have plenty of problems, but this ain’t one)

It’s easy to understand the problem when you put your “thinking cap” on and stop listening to fake gurus and celebrities that say “fortune favors the bold!”

The truth is usually simple to understand and building wealth is the same way. Do you want to be wealthy? Do you want more money? Do you want to stop living paycheck to paycheck?

If you answered YES — then pay close attention!

You are a customer. That’s right. Our society doesn’t care about your feelings or your dreams or your well-being. All they care about is you “buying” products. When the media says, we have a consumer economy — do you know what they are saying?

You need to be aware that the biggest difference between you and the Greatest Generation — the people who fought WWII is that you spend every dime you earn and they saved most of the money they made.

You’re a spender and your grandparents and great grandparents were savers.

If you want to become a millionaire and you seriously want to build wealth — you need to stop spending money.

Lesson #3

“YOLO, what’s the point of life without experiences”

The greatest grift ever perpetrated on the Millennial and Gen-Z generations is this idea that you “NEED” experiences, in order to enjoy your life.

Guess what folks??

As the Beatles said, “money can’t buy you love.”

No one is stopping you from having experiences, but spending $1,000 to go to the Coachella Music Festival is the stupidest idea ever invented.

As an American, I defend your right to go to Coachella, but if you complain about student loans and why you have no money — HELLO MCFLY!! You’re a moron and your family and friends are too afraid to tell you.

“But the experience is worth the money!”

Keep telling yourself that. The media and the elected officials don’t need to brainwash you — you’re brainwashing yourself. Keep repeating the same mantra over and over again — and eventually you will stop THINKING altogether.

While you’re throwing money away, I have been teaching 21st century skills for over a deacde. That’s because I am a 21st century skills expert. One of the most fun lessons is showing students how to go through the five stages of team building. And here’s why??

Because the Millennial and Gen-Z generations are the two largest groups of people in the United States. What that means is there are more people under 40 in America than any other population group. If you knew the five stages of team building, you could create teams that give you the experiences you want — without paying a dime.

That’s right, you could have “EXPERIENCES” for free.

Lesson #4

“The philosophy of the rich and the poor is this: the rich invest their money and spend what is left. The poor spend their money and invest what is left.” — Robert T. Kiyosaki “Rich Dad, Poor Dad”

I included this quote from Robert Kiyosaki because “Rich Dad, Poor Dad” was a national best-seller and most people have heard of him and trust that he knows what he’s talking about.

But what does Mr. Kiyosaki not talk about?

This quote talks about investing philosophy, but building wealth is even easier to undersstand. If you’re poor you spend money like you’re rich and if you’re rich, you spend money like you’re poor.

Let me repeat that — because you need to wrap your mind around this idea. If you are struggling financially, if you are living paycheck to paycheck — this maybe one of the reasons why.

You spend money like you’re rich — while rich people spend money like they are poor.

The truth is you’re not struggling because you don’t have enough money — you’re struggling because you don’t want to admit you’re poor. Wealthy people don’t have that problem. Wealthy people do not spend their money like you do.

Let’s go back to the Vermont janitor story. How did a janitor and gas station attendant build an $8 million fortune? The answer is simple — he didn’t spend his money.

Let’s put it another way — wealthy people “like” money and poor people “hate” money.

And that is very true. Poor people spend every dollar they ever earn — because keeping money is evil. Whereas wealthy people don’t spend money because keeping it will “save” their life one day.

If you want to know the problem with our school system — it’s that it doesn’t teach kids how to “LIKE” money. Teachers and the woke media want you to believe that “liking money” is a bad thing. But is it??

Money solves problems. Teachers need a raise — that means more money. Millennials want to buy a home — that means more money. Gen-Xers want to retire — that means more money.

The more you “HATE” money — the longer you need to work, the more problems you will face in the future and the lower standard of living you will experience. The only thing our teachers and schools don’t teach is that young people should SACRIFICE now — so they can enjoy their future.

Instead, young people ACT like spoiled brats and complain about struggling when they get older. But you can change your life trajectory. You have the power to NOT be poor anymore. If this entire article went over your head — here’s the MAIN POINT — you don’t have to struggle financially anymore. You can build wealth too!! There are less barriers than you think there are.

Stop Living in Denial

If you want to build wealth — you need to stop living in DENIAL and just open your eyes to the truth. Stop spending every last dime you earn.

What that sometimes means is you need to get “humble.” If you’re living paycheck to paycheck — you might have to go live with your parents. YES, you need to do it. Offer to pay them a few hundred dollars a month for rent.

You need to do WHATEVER it takes, start saving your pennies, to grow your bank account to $500,000 as fast as you can. That means all the people who work for Big Tech, who earn $200,000 a year — should be close to that $500k mark. And if you’re not — you need to look yourself in the mirror.

Your goal is $500k — Not $1 million! Go back and re-read Lesson #1 in this article and use Millionaire Math to your advantage. Let your money work for you. Remember “it takes money to make money.” Start saving up to reach $500,000 and then let interest grow that money to $1 million.

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Professor Schwartz

Helping people overcome obstacles in life, so they can build their wealth and empire | Performance Coach | Author | Speaker