The Financially Independent Millennial

How I Became a Millionaire in My Thirties

Non-Fiction - Business/Finance
202 Pages
Reviewed on 09/01/2019
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    Book Review

Reviewed by Divine Zape for Readers' Favorite

The Financially Independent Millennial: How I Became a Millionaire in My Thirties by Rick Orford is a nonfiction business book written for millennials, a book that teaches readers ground-breaking tricks to reach financial freedom before they become forty. In this book, the author explores what it means to be poor and how poverty can become an instrument, a tool that propels readers towards wealth. The author shares insights and tips used by those who have been successful and offers fresh takes on how to succeed in the real estate business and what it takes to build and sell a business. There are also insights and advice on how to successfully invest in the stock market.

Rick Orford has written a book filled with actionable steps that readers can take to create wealth, take control of their cash flow, and determine the best way to increase their business. From being smart in borrowing money to spending like the rich, the author fills the pages of this book with a lot of wisdom and insight, and while it focuses on unveiling opportunities for financial growth, it also warns readers against habits that hinder their financial growth. The writing is simple and the voice is bold. This book is filled with personal stories. I was hooked when the author said: “I’ll share my successes and failures, what I learned along the way, and what did and didn’t work. This will illuminate the path I took to gain financial independence. My unique selling point is that I've been where you are.” The Financially Independent Millennial: How I Became a Millionaire in My Thirties offers a lot for readers who want to grow their wealth and gain financial freedom.

Peggy Jo Wipf

Understanding that being rich is freedom, Rick Orford wrote The Financially Independent Millennial for others to free themselves of their financial bonds. Realizing he could start a business out of what he felt passionate about was one step that allowed Rick to get his freedom. Starting a business is not attainable for everyone. The author presents a diet for his readers so they can trim the fat and unwanted bills they are accumulating to stop the cycle of spending more than they are making. He explains in layman’s terms how he made a mess of his finances and how he corrected it. Rick’s story is like how many people live and his answers allow others to get a new view of where they should be in life.
Written in story form about his life, The Financially Independent Millennial shows the lessons Rick Orford learned in his life and is now passing on to us. At the end of each chapter, he gives points of what he would tell his younger self. I love how he questions what they teach in our high schools about finances and how students are missing the real picture of the financial world. Rick understands how this world works, but he recognizes it is always changing and encourages the reader to keep learning. While there are many books about finances out there, I found this one down to earth and the reader will feel Rick is teaching them without judging their mistakes. I found his advice on setting up a business really priceless information. After reading this book, I felt I needed it years ago but Rick teaches you how to start your financial freedom where you are at now. Excellent read for those interested in stepping up the value of their life.

Erin Nicole Cochran

Rick Orford’s The Financially Independent Millennial is a business geared book told from the perspective of a millennial to help other millennials like himself become more financially independent, no matter what their circumstances might be. But also, it is a handy guide-book for anyone, no matter the age range. The narrative style breaks it down quite perfectly, so that any reader would be able to comprehend what is being said. There is no MBA required to read this book. Another comforting aspect is that the author himself was able to become a millionaire without the need of diplomas. He started his businesses on his own and became successful.

The Financially Independent Millennial by Rick Orford is one of the most understandable business books I’ve ever been lucky enough to read. In my mind, I feel there’s an aversion that some people have to building their own business, largely based on a fear of failure and that they don’t have the appropriate educational background. The Financially Independent Millennial breaks through those fear-based barriers and gives people who are drowning in debt a chance to breathe again. One of the aspects that I loved most about the book was the case studies at the end in the appendix. The case studies show the individual/individuals cash-flow statements, set up smartly to demonstrate exactly how they came to become more financially independent. It is my belief that everyone needs this book in their lives, even high school students, because it’s about time that our kids are taught something they can use in the real world. The Financially Independent Millennial fits that need and void.

Romuald Dzemo

The Financially Independent Millennial: How I Became a Millionaire in My Thirties by Rick Orford is a straightforward, easy to understand nonfiction book that is well written to guide readers, especially millennials into financial freedom. In this book, the author shares his path, unveiling strategies and best habits that led him to become a millionaire at thirty-five. The book is packed with information and actionable steps to succeed in real estate, win at building and selling a business, and make profits from the stock market.

As I read through Rick Orford's book, it became clear that the insights, tips and strategies beautifully developed in this book can help readers succeed in areas outside the author's expert field. One of the things I found enlightening is the author's ability to allow his experience of poverty to teach him and he shares powerful lessons on how to transform a negative experience into one that is positive and that drives success. The Financially Independent Millennial: How I Became a Millionaire in My Thirties is a masterful blend of the author's memoir and his self-help legacy, a simply written book with the potential to alter how we see ourselves and our attitudes towards business. The tone is friendly and the voice is very confident, and the author's ability to allow his experience speak to readers makes this book very interesting. This is one of those rare books that will speak to the experiences of readers. I particularly loved the author's take on how to borrow smart. Highly recommended.

Gisela Dixon

The Financially Independent Millennial: How I Became a Millionaire in My Thirties by Rick Orford is a non-fiction book on achieving financial independence at a young age to live the life you want. This book is part-memoir, part-finance in the sense that Rick talks from his own experience and life lessons. The book is divided into several chapters and starts off with an introduction by Rick that explains what to expect from the book and a succinct summary. The book then dives into his personal journey that includes his family and background information, his early years making and losing money, the different ways and options to make money depending on each person’s temperament and circumstances including through real estate, stocks, side businesses, living frugally, prioritizing, etc., what it means to be a millennial millionaire, and tips and advice based on personal experience, case studies of people and finances, and more. There are also some tables included throughout the course of this book that present actual numbers so readers can get a better idea of how it all comes together.

I enjoyed reading The Financially Independent Millennial: How I Became a Millionaire in My Thirties and thought there was a lot of good, common sense financial advice in it. Something as simple as downsizing and cutting back on unnecessary expenditures and daily expenses can be a life changer, along with understanding your priorities. I also liked the section on debt and credit including vehicle and real estate investment options. Rick writes in a casual, easy-to-follow style that is relatable to the average person. These are tips that anyone can try and put into practice. I would certainly recommend this book to anyone looking for some financial advice or tips to become financially independent.