The Ultimate Guide To Your First College Laptop

Young man sitting on floor holding laptop in front of him.Your laptop will be your new BFF in college. This is where you’ll store your notes, record important lectures, outline your study schedule and write up your term papers. But, with such a wide variety of laptops on the market, the choice can be overwhelming and confusing.

Check out our comprehensive guide for laptop-shopping before deciding which one is right for you.

1. Choose your platform
You have three primary choices when it comes to choosing an Operating System (OS) for your laptop.

  • Microsoft’s Windows
    Widows offers a flexible OS that is featured in notebooks that cost as little as $150 and in upgraded models that retail for as much as several thousands of dollars. Windows digital assistant, Cortana, is a powerful tool that can help you navigate your computer and search the web for relevant information, and its stylus is super-versatile, too.
  • Apple’s Mac OS High Sierra
    Similar to Windows, Apple’s OS offers what many users consider to be a simpler interface. Mac users have digital assistant Siri, and can use Apple Pay to manage their finances. If you’ve got an Apple Watch, you’ll be able to unlock your laptop with a flick of your wrist.
  • Google’s Chrome OS
    You’ll findGoogle’s Chrome OS on cheaper Chromebooks, like the Samsung Chromebook 3. Chromebooks are extremely portable, but with the Chrome browser serving as the laptop’s primary app, it’s essentially a tablet with slightly more functionality.

2. Choose your specs
Make sure your computer is equipped with the tools you need:

  • RAM
    Look for a laptop with a minimum of 4GB, or even 8GB if you can swing it financially.
  • CPU
    The brains of your computer will determine its processing power. You’ll find a broad range of CPUs in laptops and notebooks. Your best bet for a budget laptop that still performs well is to get one using an Intel Core i5 CPU or its equivalents, like the AMD Ryzen Mobile. More powerful CPUs can really hike up the price, and those that are cheaper usually aren’t worth the money you’ll save.
  • Display
    If you can afford it, choose a laptop with a minimum of 1920×1080 pixels, or full HD. Most cheaper laptops only offer 1366×768, but it’s usually worthwhile to pay extra for a sharper image and a larger capacity for content on the screen.
  • Touch screen
    Touch screens are standard in all two-in-one models, but if you’re purchasing an ordinary laptop, a touch screen will decrease your battery life without offering many benefits.

3. Choose a price range
These days, you can pick up a laptop for as little as $150-but those are usually web-centric Chromebooks that offer very little storage and have weak processors that won’t meet your needs as a college student.

Here’s what you can expect to find in various price ranges:

  • $350 to $600
    You can find a very decent laptop for less than $600, complete with 8GB of RAM and an Intel Core i5 CPU. At this price range though, you’ll likely be missing out on the longer battery life and HD display.
  • $600-$900
    Once you break the $600 mark, you’ll have your choice of upgrades, such as metal finishes and sharper, higher-pixel displays.
  • $900+
    If you’re ready to pay anything near the $1,000 mark for a laptop, expect to see lightweight computers that deliver a faster, more powerful processor and a super-sharp display.

4. Choose a battery life
Here’s where you need to determine exactly how you will be using your laptop. If it’s mainly going to serve as a desktop computer that’s carried around only occasionally, you can afford to choose a cheaper computer with a short-life battery. But, if you’re like most college students who wind up lugging their laptops around everywhere like a third arm, aim for a battery life that offers a minimum of 7 hours of untethered power.

Your laptop might be the most important tool you use in school. Spend some time choosing the one that’s right for you so it serves you well throughout your years in college.

Your Turn:
Did you recently purchase a laptop for college? Tell us all about it in the comments!

Learn More:
laptopmag.com
techradar.com
pcmag.com

Note-Taking Apps

You aren’t seriously still scribbling your to-do list on plain paper, are you? Get with the times and choose one of these popular note-taking apps to help you do the job. Your scrawls will never be the same.

EverNote logo, stylized elephant head on white backgroundEvernote
Stop misplacing your to-do lists by moving all your notes to the cloud with Evernote. This note-taking app is a favorite among 200 million users worldwide, thanks to its impressive array of features.

Evernote’s incredible versatility appeals to all kinds of note takers. If you’re the fastidious type, you’ll love Evernote’s notebooks, which allow you to group your thoughts into 250 self-divided categories. You’ll also rejoice in the tagging feature, which lets you sort notes, crosslink them and insert your own checklists and tables into your notes.

Are you more of a verbal sort? Get your thoughts on file using Evernote’s audio recording feature, which is available for both desktop and mobile.

If your note-taking involves lots of research, use the app’s web clipper to attach any link.

Evernote makes collaboration easy, with the option to share notebooks via email and a handy chat feature for live communication.

Evernote has three different plan options. The Basic plan is free, but places bandwidth limits on monthly uploads and can be insufficient for some users. Subscriptions to paid plans start at $3.99/month and go up to $7.99/month, with significant savings offered for a full year’s commitment.

Best Features: While Evernote has many distinctive features, the software really shines with its notebooks and note tags, making organizing your thoughts a breeze. Another nifty feature, called optical character recognition (OCR), sets Evernote apart by allowing you to search for text in both your written notes and inside of images.

Glaring Glitches: Evernote features fall short by lacking a built-in video note capability. There’s also a monthly bandwidth limit of 60MB of uploads a month on the free version and a 250 cap on the number of notebooks you can open on the app. Another downfall is the lack of an ink-to-text conversion feature.

Evernote is a somewhat clunky piece of software with lots going on. New users will need to invest a good chunk of time learning their way around the app before they can start creating, saving and sharing notes.

 

OneNote logo File folder icon with N on purple backgroundOneNote
Microsoft’s contribution to the world of note-taking tools comes close to Evernote’s versatility and convenience, even topping it in some areas.

The app allows you to create and store text notes, voice notes, pictures and more. Unlike Evernote, OneNote includes a video note feature. You can also create as many notebooks as you’d like—or at least until you run out of storage space. OneNote integrates seamlessly with most voice-recognition software, so you can speak and let the app transcribe your notes for you. You can even have the app change “ink” notes, such as a handwritten note or even an entire whiteboard of notes, into plain text.

Like Evernote, OneNote allows you to clip web pages using a browser add-on tool for assistance in compiling research. Unlike Evernote, though, the app also allows almost unlimited flexibility when creating your notes, including rich formatting options and the ability to add diagrams, scribbles and more. You can also share notes directly from the application, choosing to share them via email or by creating links.

Best Features: Unless you want to pair the software with Microsoft’s Office 365, OneNote is completely free. As another plus, OneNote allows you to organize your notes in any way you’d like, exactly as you’d be able to do with an actual paper notebook.

Glaring Glitches: OneNote’s biggest shortcoming is its lack of at-rest encryption for consumer accounts. This means that anyone who gains access to the cloud server can access your notes without an encryption key. This can be worrisome for anyone who’d rather keep their private notes private.

Some users also complain about OneNote’s basic functionality, claiming it constantly crashes, does not sync properly and consequently causes users to lose their precious notes.

 

Google Keep logo, white lightbulb on goldenrod fieldGoogle Keep
Google’s digital notebook, Google Keep, is miles behind Evernote and OneNote in available features, but it still deserves recognition for what it is: a completely free note-taking tool that does its job well.

You won’t find a plethora of formatting tools and organizational features, like notebooks, on Google Keep, but the app offers unlimited notes that won’t eat up your Google Drive space. The notes themselves do have a 20,000-character limit, which comes to approximately 4,000 words. There’s also no ink-to-text conversion capability.

Google Keep is not completely without fun features. You can use the app to create bulleted lists; attach reminders to notes; add “collaborators” to notes and assign them tasks; add images and drawings using a pen tool and label notes to sort them.

You can also utilize the Chrome extension embedded in the app to clip web content; however, you’re limited to clipping select text and images. Google Keep integrates with all of Google Suite, so you can import your notes directly to Google Docs, Sheets and more.

One of the best features you’ll find on Google Keep is the ability to dictate notes and allow the app to transcribe them for you. Since Google’s speech recognition software is considered better than average, you’re more likely to be satisfied with the results than frustrated.

Best Features: The no-frills app is simple and can be learned and operated in just a few minutes.

Glaring Glitches: Since Google Keep’s notes are uber-simplistic, there are almost no formatting options at all.

But most concerning is Google’s notorious lack of security. Since Google’s main revenue stream is advertising, the company’s practices of scraping information from search histories and email content to compile data used for target marketing is fairly common knowledge. While Google has not confessed to doing the same with information stored on Google Keep, it’s not that far of a stretch from its current practices. If this sounds worrying to you, you may want to give Google Keep a miss.

 

How they stack up

App NameGenerous Free VersionVideo NotesInk-to -Text ConversionEasy to LearnSecurity Issues
EvernoteNoNoNoNoNo
OneNoteYesYesYesNoYes
Google KeepYesNoNoYesYes

 

Your Turn:
What’s your favorite note-taking app? Tell us about it in the comments!

 

SOURCES:

https://evernote.com/

https://www.cloudwards.net/evernote-vs-onenote/

https://www.cloudwards.net/evernote-review/

https://www.cloudwards.net/google-keep-review/

https://beebom.com/evernote-alternatives/

https://www.cloudwards.net/onenote-review/

https://www.onenote.com

Meet The Frugalwoods: Achieving Financial Independence Through Simple Living

Meet the Frugalwoods book coverUnless you’ve been living in a cave for the last few decades, you’ve no doubt absorbed society’s message that you can buy your way to a happier life. From the minute we wake up until our eyes close at bedtime, we’re bombarded with splashy ads and commercials promising us the world—for a price, of course.

Elizabeth and Nate Thames were an archetypical couple of our consumerist world. In 2014, this pair of professionals was holding down high-powered jobs, living in the city and pulling in big bucks. The world was theirs for the taking.

But one day, they decided they’d had enough of that lifestyle. They were sick of wishing away their workdays and desperately counting down until the weekends. They wanted to start living genuinely and enjoying each day to the fullest.

Together, they hatched a plan: They’d sock away as much money as possible to become modern-day homesteaders in rural Vermont. They called themselves “the Frugalwoods,” and as soon as they put their plan into action, starting by saving more than 70 percent of their income, Elizabeth began documenting their progress on the couple’s popular blog. In less than three years, the Thameses had achieved their goal and reached financial independence at the age of 32. They are now living on a 66-acre homestead in Vermont, together with their little girl.

In her book, Meet the Frugalwoods, Elizabeth retells the eye-opening story of how her financially comfortable family disengaged from the race of keeping up with the Joneses and drastically scaled back their spending to live their dream life. The book is a compelling read that will make spenders of any level stop and think about the choices and financial habits that direct their lives.

You don’t need to be harboring a secret dream of quitting your day job and moving to the woods to enjoy this book. Most of us can stand to cut back on our consumerism for living with a bit more frugality. Meet the Frugalwoods encourages readers to examine their possessions and physical comforts, as well as to determine which of those add genuine joy and value to their lives. Only things that are truly valuable to you are worth holding onto. As Elizabeth says, the process of cutting back and bowing out of society’s peer pressure is enormously liberating.

Thousands of readers have found Meet the Frugalwoods to be an inspiring and motivational tale, but many others find it to be preachy and condescending. A widely-voiced complaint is that the couple is still pulling in a handsome salary and cannot comprehend what it means to truly struggle. Nate works from home and earns over $200K a year, while Elizabeth authors their personal finance blog. While it’s admirable that they were able to pull out of the spending trap and now wear second-hand clothing, knowing they have a huge financial cushion to fall back on greatly diminishes their “sacrifice.”

However, lots of readers find it truly inspiring that a couple who can afford to live large has managed to untangle themselves from the web of consumerism that ensnares most of society.

You may not want to live as frugally as the Thames family, but by reading their story and incorporating some of its lessons into your own life, you, too, can learn to lead a simpler and more meaningful life.

Your Turn:
Do you think it is possible to be truly happy and fulfilled while living a life of excessive consumerism? Share your thoughts with us in the comments below.

SOURCES:

https://money.usnews.com/money/blogs/my-money/articles/best-personal-finance-books-to-read

https://www.amazon.com/Meet-Frugalwoods-Achieving-Financial-Independence/dp/0062668137

https://www.goodreads.com/book/show/35068719-meet-the-frugalwoods

Six Figures Under – Dig Out From Your Mounting Debts

Six Figures Under personal finance made publicWhen Stephanie and her husband found themselves looking at a six-figure student loan debt load in 2009, they didn’t know how to start freeing themselves. Their small family’s budget was just barely making it to the end of each month. How would they possibly pay off such an overwhelming amount of debt?

Fast forward to the end of 2016 and that huge, monstrous debt was completely gone.

How did they do it?
On her blog, Six Figures Under (SixFiguresUnder.com), Stephanie shares her family’s ongoing story, detailing the steps she’s taken and the changes she’s made in her family’s lifestyle for paying down their debt while continuing to live financially responsibly. She is brutally honest about her struggles and successes, sharing the mistakes she’s made along the way and the triumphs she’s celebrated. She also offers readers complete transparency into her family’s finances, posting actual numbers about the income her family earns, their fixed expenses, investments and the way they choose to spend their money on non-fixed expenses.

But Six Figures Under is not just about Stephanie’s story. Stop by the blog and you’ll find a large community of active followers joining in on a mission to pay down their debts and live a more financially conscious life.

For 2019, Six Figures Under is on a Debt Smash-athon charge. The blog’s community is invited to share the amounts of debt they’ve paid down each month. The numbers are then tallied and posted on the blog with the big wins singled out with special mentions. In March 2019, the Six Figures Under community paid down a total of $149,866.53 of debt, invested $31,202.12 toward retirement and put away $39,151.21 for big savings goals. The feeling of togetherness motivates members to boost their efforts in paying off their debts.

There’s more than numbers to Six Figures Under. Check out the blog for the following categories and topics:

  • Frugal Living Ideas – Here, you’ll find tips and tricks for saving money on everything from family road trips to grocery bills. Posts are always engaging and packed with actionable tips you can apply to your own life today.
  • Budgeting and Finance –  The blog advocates living on last month’s income—and shows readers how to live this way, plus creating a manageable and realistic monthly budget.
  • Debt – Read up on tips for increasing your debt payments and common mistakes people make when handling their debt.
  • Ideas for Increasing Income – These posts cover a broad range of money-making ideas, from running a killer yard sale to starting a thriving business on Etsy.

Members of the blog get friendly monthly reminders inviting them to share their progress with the rest of the community, as well as frugal living tips and ideas delivered directly to their inbox.

The Six Figures Under blog is an inspirational, friendly place that is packed with money management tips and strategies for doubling down on your debt payments. Check it out today and join the debt-smashing fun!

Your Turn:
Do you have a target date for paying down all debt? Or are you just chipping away at it, month by month? Share your debt-paying strategy with us in the comments.


SOURCES:

https://www.sixfiguresunder.com/

https://www.sixfiguresunder.com/our-story/

http://www.barebudgetguy.com/six-figures-under/

https://www.sixfiguresunder.com/family-budget-update-march-2019/

Cash Money Life Blog Review

Cash money Life logoThe internet is saturated with blogs and sites about anything and everything under the sun. Among the dozens of blogs devoted to personal finance, Cash Money Life (cashmoneylife.com) stands out as a reliable and factual source of information and advice. As featured in top-tier media sites like The Wall Street Journal, The New York Times, Yahoo! Finance, MSN Money and MainStreet.com, Cash Money Life offers readers an easy and efficient way to get the inside scoop on anything money-related without the distraction of complex interfaces and confusing designs.

Authored by Ryan Guina, the blog targets a broad audience and brands itself as a personal finance, small business and career journal. The site is updated daily with articles covering a wide spectrum of financial topics, from current events1 to product reviews, tutorials, investment tips and more. You can use the site to search for an auto insurance plan that suits your needs or to explore the stocks that are worth investing in this season. Articles are always written in simple, easy-to-understand language that offers concrete information without talking down to the reader.

Here are some trending articles on Cash Money Life:

  • How to Invest in Small Business
  • Best Auto Insurance Companies
  • Liberty Tax Review—Simplified Tax Filing
  • FreeTaxUSA Review—Step-By-Step Help Filing Your TaxesE-file Review—How the Software Can Streamline Your Taxes

When visiting the site, you can browse through the fresh posts or look up archived evergreen content covering a comprehensive list of financial topics.

Also check out the “Free Money” page, which is a wildly popular spot that is dedicated to sharing information about freebies. The freebies include gimmick-free, complimentary trials, referral bonuses, first-time-customer gift cards and more. Check it out to see what’s free this week!

If you’re looking for a place where you can find clear, practical, and reliable financial information, visit Cash Money Life today.

Your Turn:
What’s your favorite online source for financial information? Tell us all about it in the comments!

SOURCES:

https://www.lifehack.org/articles/money/top-10-highly-useful-websites-learn-about-personal-finance-for-free.html

https://cashmoneylife.com/blog/

https://cashmoneylife.com/blog/about

Four Apps To Help You Master Your Spring Cleaning

Our Home logo1. OurHome
If your kids are old enough to do their part in making your home spotlessly clean, you need to download this free app. OurHome makes sharing spring cleaning chores easy! You can assign tasks to your kids, set deadlines for when you want jobs done and reward your kids with points once they’ve completed a chore. Let your kids cash in their points for their reward of choice, like a new toy, a trip to an amusement park or even a cost-free privilege, like choosing the family’s dinner menu for a week.

Sync every family member’s device with your OurHome app to unlock its full power. You’ll be able to send messages to your kids, check up on their progress and set helpful chore reminders.

 

Snupps logo2. Snupps
Spring-cleaning your way through your house gives you the perfect opportunity to take stock of everything you own. The Snupps app makes it easy. You can upload pictures of every item in your home, create virtual shelves on the app and organize your stuff by category. Plus, you can make money while spring cleaning by selling any item you don’t need through the app. It’s like selling your stuff in a virtual yard sale!

 

Home Routines logo3. Home Routines
Do you find it overwhelming to keep track of all you need to clean? Home Routines makes it simple! For a one-time $5 fee, you can download the app and start organizing your chores. Create detailed checklists, assign tasks to days of the week and set alerts to remind you what needs to get done. From there, you’ll be able to easily track your progress. And, if you need more motivation, set the in-app timer and try to beat your own goal.

The app divides your cleaning lists into Focus Zones. You can customize this feature by adding rooms and chores to each zone. Then, choose a different zone for each day or have a zone appear only once a month. You can also set the app to remind you to complete specific tasks or clean certain zones at predetermined times. For example, you can have the app remind you to scrub the counters each night, wash the windows every other week and dust your light fixtures once a month.

 

Do! logo4. Do!
If you like to have a good, old-fashioned, paper to-do list, you’ll love this app. Do! gives you the look and feel of a paper list with realistic paper and pen sound effects. You can easily view your list and even download a widget to your device for seeing the day’s tasks at a glance. Use the app’s color-coding system to keep things organized and check off tasks as you go. The app is free with an in-app purchase and just $1.99 for the premium, ad-free version.

Let these super-convenient apps help you make your home shine this spring.

Your Turn:
What’s your favorite spring cleaning app? Tell us about it in the comments!

SOURCES:

https://en.softonic.com/solutions/what-are-the-best-apps-for-spring-cleaning

https://www.google.com/amp/s/www.cnet.com/google-amp/news/best-apps-to-help-prepare-for-spring-cleaning-2019/

https://www.lifewire.com/best-house-cleaning-apps-4587232

Review – Cloud Storage Apps

With the incredible convenience of today’s cloud storage services, you never have to lose your files again.

But with so many free cloud storage apps, the choices can be confusing. Let’s take a look at some of the most popular cloud storage services on the market.

Google Drive
Google Drive is already integrated with all Android devices, making it the natural choice for Android owners. The app also syncs automatically with Google’s G-Suite, so if you’re a Google fan, it’s easiest to go with their cloud storage. Download the companion app, Google Photos, onto your mobile device, and you’ll be able to store high-def photos in the cloud as well.

Best Features
Google Drive offers 15GB of free storage space, the most generous amount of all cloud storage apps. The total storage is distributed across all your Google services, like Gmail and Google+Photos, but you can choose how to split the 15GB to best suit your needs.

Folders and files are super-easy to share on Google Drive via email or link. You can choose to send view-only files or allow for edits and comments, making teamwork almost effortless. Google Drive will also store all deleted files in the “Trash” until you empty the bin.

Glaring Glitches
Users complain that Google Drive’s web interface isn’t the best, and it can be difficult to use.

Pricing

  • 15GB: Free.
  • 100GB: $1.99/month
  • 200GB: $2.99/month
  • 2TB:$9.99/month
  • 10TB:$99.99/month
  • 30TB:$299.99/month

OneDrive
Microsoft’s OneDrive integrates directly with Windows without the assistance of any additional apps. It’s the easiest storage solution for Microsoft Office users.

With some companion apps, OneDrive will work even harder for you. Download Microsoft’s Photo app, and you’ll be able to use OneDrive to sync pictures across all your devices. You can also install a desktop program to seamlessly transfer all kinds of folders and files to OneDrive and make them accessible from a mobile device.

OneDrive’s mobile app is available for Android, iOS and Windows Phone.

Best Features
OneDrive’s outstanding feature is its file restoration, which keeps all your files until you’ve deleted them twice, a big plus for click-happy users who often mistakenly delete important files.

OneDrive also allows you to share folders and files with non-registered users. You can choose to allow others to edit your files or to view-only.

Glaring Glitches
The 5GB of storage space in OneDrive’s free version can be tight if you’ve got large files to upload. Users also complain that the OneDrive app is clumsy and inefficient.

Pricing

  • 5GB: Free
  • 50GB: $3/month
  • 1TB: $8/month
  • 5TB: $11/month

Apple iCloud logo, white cloud silhoueet on radiused corner box that ranges from dark blue at the top to lighter blue at the bottomApple iCloud
Apple’s iCloud is competitively priced and integrates seamlessly across all Apple platforms.

Best Features
The Mac Finder app automatically integrates iCloud Drive and allows you to store all kinds of files in the cloud. All documents created in the iWork office suite will be saved to iCloud and can be synced across all your devices.

If you use Windows for work, but you own an Apple device, iCloud Drive will allow you to sync your Windows files so you can access them wherever you are. iCloud also allows you to restore deleted files for up to 30 days after deletion.

Glaring Glitches
With only 5GB of storage, iCloud’s free service might not be sufficient for your needs.

Pricing

  • 5GB: Free
  • 50GB: $0.99/month
  • 200GB: $2.99/month
  • 2TB for $9.99/month

Dropbox
Dropbox is one of the most popular cloud storage services on the market, offering a modest 2GB of free memory with ways to upgrade at no cost by referring other users. Deleted files are saved in the cloud for 3 days, so most mistaken deletions can be easily recovered.

Best Features
Dropbox is super-popular, largely due to its simplicity and ease of use. File uploads happen faster than most free cloud storage services and Dropbox Paper, the document collaboration technology on Dropbox, gives users a genuine feel of workplace collaboration. The app’s powerful file-search tool adds to its all-around convenience.

Glaring Glitches
Dropbox’s free version offers a tight 2GB of storage space.

Pricing
Dropbox offers a wide range of options for both private users and business owners who need shared storage space for multiple users.

  • 2GB: Free
  • 1 TB, 30-day history tracking, Office 365 integration: $9.99/month
  • 2 TB, 120-day history tracking, custom branding and analytics: $19.99/month
  • 3TB, account transfer tools, shared team folder: $15/month/user
  • Unlimited storage space, all Dropbox features: $20/month/user

How they stack up

App                     Free Storage     Easy to Use     File Restoration (30 days)
Google Drive       15GB                         No                     Yes
OneDrive             5GB                          No                      Yes
iCloud                  5GB                          Yes                     No
Dropbox              2GB                          Yes                      No

Your Turn:
What’s your favorite cloud storage service? Tell us all about it in the comments!

SOURCES:
https://www.google.com/amp/s/www.techradar.com/amp/news/the-best-cloud-storage

https://productivityland.com/lists/best-free-cloud-storage/

https://www.lifewire.com/free-cloud-storage-1356638

Book Review: Everyday Millionaires: How Ordinary People Built Extraordinary Wealth–And How You Can Too

Everyday Millionaires How Ordinary People Built Extraordinary WealthMoney conversations can be super-depressing. Everything you read tells you that the “Great American Dream” has faded into oblivion. Everyone you talk to says that only the rich-born can get ahead and make it to the top. We ingest these lies without thinking twice. They become part of our belief systems and kill our ambition, effectively destroying any chance we have of becoming financially successful.

Get ready to read about the truth.
In Chris Hogan’s book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too, he destroys the most common millionaire myths that prevent ordinary people, like me and you, from achieving and maintaining financial independence.

Hogan is a #1 national best-selling author, the host of The Chris Hogan Show, and a dynamic speaker who lectures nationwide about personal and business money management. He also serves as a beloved financial coach and Ramsey Personality at Dave Ramsey’s Ramsey Solutions company.

Everyday Millionaires is the culmination of comprehensive research on more than 10,000 American millionaires—and the results might shock you.

Here are some of the surprising revelations in Everyday Millionaires:

  • There is no secret sauce for becoming a millionaire.
  • Most millionaires in the U.S. were not born rich.
  • You don’t need to have a high-paying job to achieve millionaire status.

Hogan and the Ramsey Team show the world that building extraordinary wealth is not reserved for those hailing from a privileged background or holding down high-paying jobs. Instead, true wealth is a product of living with responsible principles, like spending within your means, avoiding the debt trap, investing wisely and exercising discipline with your money.

There is no carefully guarded secret behind the nation’s most successful people. It doesn’t take a fantastic stroke of luck, a sizeable inheritance or a 7-digit salary. Anyone and everyone can achieve financial independence—and even millionaire status—by following Hogan’s guidelines while living responsibly.

Learn how to think like the rich and you just might be the next everyday millionaire.

Your Turn:
Do your personal experiences reflect Hogan’s research? Were most of the rich people in your life born wealthy or did they build their own net worth through responsible living and hard work? Share your thoughts with us in the comments.

SOURCES:
https://www.amazon.com/Everyday-Millionaires-Ordinary-Extraordinary-Wealth_and/dp/0977489523/ref=mp_s_a_1_9?ie=UTF8&qid=1539743871&sr=1-9&refinements=p_n_publication_date%3A1250228011&pi=AC_SX236_SY340_QL65

https://www.goodreads.com/book/show/41074642-everyday-millionaires

https://www.daveramsey.com/store/product/everyday-millionaires-book-by-chris-hogan