Middle-Class Millionaire: Surprisingly Simple Strategies to Grow and Enjoy Your Wealth by Clark A Kendall is a comprehensive guide to obtaining financial security, as well as long and short term monetary goals. Each detailed chapter is designed to explain to those interested in learning the fundamentals of personal finances just how simple it can be. Middle-Class Millionaire covers most everything from investing to taxes, retirement, real estate, healthcare, insurance, and much, much more. This informative book is a bit of a financial Bible and answers questions you didn’t even know you had until you come across them within the pages. Each concept is written in a way that makes it easy for the average reader to understand and every in-depth chapter will have you interested in applying these principals to your own life. As you read on, I guarantee you’ll find yourself becoming excited by the knowledge that your financial future is in your hands and that it’s time for you to become the middle-class millionaire you've always dreamed you could be!

Middle-Class Millionaire by Clark A Kendall doesn’t disappoint in its promise to help those struggling to understand finances grasp the way things work. I found it easy to follow and was surprised at just how much information is in this book. I learned so much more about the many different ways there are to build personal wealth (besides the obvious working and saving). Many things had never even occurred to me. This book was extremely well-written and researched, and I think it should be provided to every high school student before they graduate so that they may begin adulthood with this very important, necessary knowledge. I highly recommend this book.

Middle-Class Millionaire is a non-fiction guidebook to finance penned by author Clark A. Kendall, and provides ‘Surprisingly Simple Strategies to Grow and Enjoy Your Wealth’. With the initial concept laid down that many middle-class people can amass a million dollars’ worth of financial assets by the time they retire, author and CEO Clark Kendall endeavors to explain how simple strategies implanted into a person’s everyday working life can allow them to grow their wealth gradually over time and invest wisely. The final goal is one which many seek: a happy and comfortable retirement with a good amount of wealth so that they can enjoy their lives after finishing work.

One of the things I enjoyed most about this comprehensive but concise guide was the way in which author Clark A. Kendall includes people from all different walks of life and suggests ways in which his saving and investment strategies can work for them. From younger to older working people, those with families and without, the path to millionaire status later in life is laid out with easy to follow narration, no unintelligible jargon and no get rich quick tricks. This is a practical and disciplined approach to life that many people would be able to implement and follow. It is also very well organized into different sections that can easily be looked up and referred to at any time. Overall, Middle-Class Millionaire is a highly readable, inspiring and encouraging guidebook to a solid financial future, one which many readers will find enlightening and helpful.

If growing and managing personal wealth is the fable of The Tortoise and the Hare, Middle-Class Millionaire: Surprisingly Simple Strategies to Grow and Enjoy Your Wealth is a full-blown manual on how the tortoise won the race. Fiduciary advisor Clark A. Kendall takes a very methodical approach, beginning with how to accumulate wealth and concluding with end-of-life planning and tax-efficient wealth transfer to heirs. There are no get-rich-quick schemes, here. What is presented in Middle-Class Millionaire is solid, practical, slow and steady financial advice on how someone with a middle-class income can gradually build enough wealth to be financially secure in retirement. Gaining a million dollars is not the point; the point is to use money as a tool to enhance your life. To help the reader achieve this, Kendall explains financial concepts one by one in such a way that even a layman can grasp them.

Kendall got my attention when he quoted a study that found that people with high financial literacy end up with twice as much wealth as those who don’t plan for retirement. He then lists key financial concepts and devotes a chapter to each concept. There is also a very helpful glossary in the back of the book which explains each concept in a sentence or two. Readers like me who don’t recognize all the terms might find it helpful to jump right to the glossary at this point and then continue reading the rest of the book. I appreciated how Middle-Class Millionaire is arranged chronologically by what to do when you’re first joining the workforce all the way to how to leave money to your heirs. This book would be best read at the beginning of one’s working life, but it is helpful at every stage, especially those who are approaching retirement.

Middle-Class Millionaire contains some advice that will be out-of-date as tax laws change, but most of it will continue to be relevant and, if nothing else, it can help people know what questions they should be asking their financial advisor. Reading Middle-Class Millionaire is like taking a course in financial literacy. I recommended Middle-Class Millionaire to everybody who considers themselves in the middle class. If you’re not a financial expert, you can greatly benefit from reading this book. If you’re already an expert, you need to know about Kendall’s book so you can pass it along to other people.

Financial illiteracy is a malady that affects citizens of even the most advanced countries. Clark A. Kendall minces no words in guiding laymen to have a better understanding of personal finance in Middle-Class Millionaire: Surprisingly Simple Strategies to Grow and Enjoy Your Wealth. His instructions follow his thirty years of experience in investment and wealth management. He rationalizes why now, more than ever, taking charge of our finances is an imperative need. He presents case studies on why corporate pensions are largely a thing of the past, and that we must not solely rely on Social Security. Mr. Kendall extends his service by teaching parents how to raise financially literate children. Each of the nine chapters is noteworthy and does not bore with excessive jargon. Another particular interest is his take on improper asset allocation as well as his stand on cryptocurrency, and why we should never confuse speculating with investing.

As if “Do simple math, and you can take charge of your finances” is not encouraging enough, Mr. Kendall operates under the premise that financial literacy only requires a little learning and common sense. He points us to the reminder that, as emotional creatures, we should never let our feelings override our judgment when it comes to money matters. Middle-Class Millionaire teaches us that our financial status does not define us but money, if managed properly, can be used as a tool to enhance the quality of our lives. If you plan to read one book on personal finance, this is the one that will provide you with easy, invaluable lessons without bombarding you with technical terms.