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How To Become A Millionaire With A Low Income from a Christian Perspective

Introduction: In this episode of "Financial Advisors Say the Darndest Things," host AB Ridgeway delves into the myth that millionaires inherit their wealth and reveals how anyone can achieve millionaire status regardless of their background. He breaks down three key levers to reaching a million dollars and challenges common misconceptions about wealth accumulation.

Key Takeaways:

  1. First-Generation Wealth: Contrary to popular belief, the majority of millionaires are self-made, not inheritors of wealth. This challenges the notion that financial success is solely reserved for those born into affluent families. AB highlights the potential for individuals from any background to create wealth through strategic financial planning and disciplined investing.

  2. Three Levers to Millionaire Status: AB outlines three crucial factors—time, investment amount, and investment returns—that can help individuals achieve millionaire status. By emphasizing the significance of these levers, listeners gain a deeper understanding of the actionable steps necessary to build substantial wealth over time.

  3. Power of Compound Interest: Investing early and consistently allows for the exponential growth of wealth through compound interest. AB emphasizes the importance of starting the investment journey as soon as possible to maximize the impact of compound growth. This principle underscores the significance of long-term financial planning and patience in wealth accumulation.

  4. Focus on What Works: Instead of fixating on obstacles, focus on actionable strategies for wealth accumulation. AB encourages listeners to adopt a proactive mindset and prioritize actions that lead to financial success. By shifting focus from barriers to opportunities, individuals can overcome challenges and progress towards their financial goals with confidence.

  5. Redefining Wealth: True wealth lies in achieving financial freedom and living the desired lifestyle, not just reaching a specific monetary milestone. AB challenges the conventional notion of wealth as a mere accumulation of money and advocates for a broader perspective that encompasses personal fulfillment and security. By redefining wealth, individuals can align their financial goals with their values and aspirations, leading to a more fulfilling life journey.

3 Powerful Quotes:

  1. "The longer that we wait, the more difficult it is and the more aggressive we actually have to be, so don't wait until you're 40 or 50..."

  2. "True wealth is either you can buy everything that you want or you want everything that you have."

  3. "It's discipline, it's patience, and it's persistence."

Episode Summary: AB Ridgeway challenges common myths about wealth attainment and provides practical insights into achieving millionaire status. He emphasizes the importance of time, consistent investment, and disciplined financial behavior in wealth accumulation. By redefining wealth beyond arbitrary monetary goals, listeners gain a deeper understanding of financial freedom and long-term prosperity.

Subscribe to "Financial Advisors Say the Darndest Things" for more insightful episodes on wealth-building strategies and financial empowerment.

Contact Information: For questions, feedback, or inquiries, reach out to AB Ridgeway at


  1. Wealth accumulation

  2. Millionaire status

  3. First-generation wealthy

  4. Compound interest

  5. Financial freedom

  6. Investment strategies

  7. Financial discipline

  8. Wealth misconceptions

  9. Long-term wealth

  10. Financial empowerment

retired couple reviewing their investments


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About Financial Advisors Say The Darndest Things Podcast:

As Christians, we were taught to be good stewards over our tithing and giving to the less fortunate. But when it came to our personal finances and investing we were left clueless on what the Bible says. What does the Bible say about managing debt, leaving a legacy, investing, and planning for your retirement? Mr. Christian Finance answers these and many other questions because we want to teach you how to become rich and righteous!

Meet A.B. Ridgeway:

A.B. Ridgeway with his hands up

A.B. Ridgeway, MBA ( is the owner and Christian Financial Advisor with A.B. Ridgeway Wealth Management. With a decade in the finance industry, his goal is to give believers clarity around the most confusing topic in the Bible, money, and tithing. A.B. Ridgeway helps tithing Christians become cheerful givers but unlocking their money-making potential, so they can prosper and be the great stewards of the wealth God has entrusted them with.

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

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