Not Born Rich. The Guide to Financial Literacy - Allen Alvarado;Jordan Ver Hoeve;John D. Romero

For the past 24 years, I've been investing. For much of that time, I've also been a licensed financial advisor, sitting across the table from thousands of people from all walks of life-from new graduates to near-retirees.

In that time, I learned two things. First: most people are never taught the fundamental rules of money. Second: most financial books aren't written by people who have actually guided clients through a market crash, a job loss, or a financial windfall. They're written by pundits, academics, or salespeople, and most have not been actual advisors that sat with people in a licensed financial advisor capacity.

This book is different.

I'm an actual financial advisor, giving up my licenses to become a financial educator, because I want to focus on average hard working people who are not the "ideal clients" for all investment companies or licensed financial advisors. More importantly, I'm a millennial who was not born rich. I didn't inherit a portfolio; I started from zero, driven by a simple desire to be rich.

But "rich" isn't just about a number. It's about freedom. It's about having the true freedom to spend your time with your family and loved ones. It's about building the life you actually dreamed of, not just the one you're told you can afford.

I wrote this book because I see so many in our generations (Millennials and Gen Z) getting bad advice or, worse, no advice at all. They're told to stop buying lattes, but no one explains how to actually build wealth, and accomplish THEIR goals.

This book is the baseline. It's the conversation I have with my clients to build their foundation. It's not a collection of "get rich quick" hacks; it's the playbook I've used and taught to help people make the moves that matter.

The purpose of this book is to give you the financial literacy you were never taught, from someone who has done the work and helped thousands of others do the same. This is not individual financial advice-your situation is unique. This is financial education, designed to give you the power to take control. We all have different goals, but all require money. Most people Not Born Rich under 45 years old don't know how to approach their goals. That is who this is written for. If you have a job and want to accomplish goals over time, this book is for you.

Let's get started.