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We Should All Be Millionaires: A Woman’s Guide to Earning More, Building Wealth, and Gaining Economic Power
While ninety percent of the world's millionaires are men, only ten percent are women, making it difficult for women to wield the economic power that will create lasting equality. Rachel Rodgers, founder of Hello Seven, a company that coaches women in scaling their businesses and their lives to seven figures, says it's time for a change.
Women deserve the economic power and equality that comes with wealth, and we all have it in us to be millionaires. We Should All Be Millionaires details a realistic, achievable, step-by-step path to become a millionaire within the next three years.
Whatever is currently stopping you from having seven figures in the bank--whether it is doubt, feeling overwhelmed, imposter syndrome, trying too many things, or simply not knowing where to begin--this book shows you how to clear every obstacle in your way.
We Should All Be Millionaires will forever change the way you think about money and your ability to earn it.
In this book, Rachel Rodgers--mother of four, attorney, business owner, and self-made Black millionaire-- shares the lessons she's learned both in her own journey to wealth and in coaching hundreds of women through their own journeys to seven figures.
Inside, you'll
Why earning more money is not "selfish" or "greedy" but in fact, a revolutionary act that brings the economy into balance and creates a better world for all.
Why most of the financial advice you've heard in the past (like "skip your daily latte to save money") is absolute nonsense.
An eye-opening history lesson on how women and people of color have been shut out of the ability to build wealth for centuries--and how we can fix this.
How to stop making broke-ass decisions that leave you feeling emotionally and financially depleted, and start making million dollar decisions instead.
Why aiming to earn $100K per year is not enough, and why you need to be setting your goals much higher.
The crucial ingredients you need if you are serious about becoming a including your million-dollar vision, million-dollar squad, and more.
Strategies to bring more money in the door and fatten your bank account immediately. (Including Rodgers' $10K in 10 Days Challenge which hundreds of women have completed--with incredible results.)
It's time to construct an entirely new attitude about money, claim your power, and build the financial security that you need and deserve.
Women deserve the economic power and equality that comes with wealth, and we all have it in us to be millionaires. We Should All Be Millionaires details a realistic, achievable, step-by-step path to become a millionaire within the next three years.
Whatever is currently stopping you from having seven figures in the bank--whether it is doubt, feeling overwhelmed, imposter syndrome, trying too many things, or simply not knowing where to begin--this book shows you how to clear every obstacle in your way.
We Should All Be Millionaires will forever change the way you think about money and your ability to earn it.
In this book, Rachel Rodgers--mother of four, attorney, business owner, and self-made Black millionaire-- shares the lessons she's learned both in her own journey to wealth and in coaching hundreds of women through their own journeys to seven figures.
Inside, you'll
Why earning more money is not "selfish" or "greedy" but in fact, a revolutionary act that brings the economy into balance and creates a better world for all.
Why most of the financial advice you've heard in the past (like "skip your daily latte to save money") is absolute nonsense.
An eye-opening history lesson on how women and people of color have been shut out of the ability to build wealth for centuries--and how we can fix this.
How to stop making broke-ass decisions that leave you feeling emotionally and financially depleted, and start making million dollar decisions instead.
Why aiming to earn $100K per year is not enough, and why you need to be setting your goals much higher.
The crucial ingredients you need if you are serious about becoming a including your million-dollar vision, million-dollar squad, and more.
Strategies to bring more money in the door and fatten your bank account immediately. (Including Rodgers' $10K in 10 Days Challenge which hundreds of women have completed--with incredible results.)
It's time to construct an entirely new attitude about money, claim your power, and build the financial security that you need and deserve.
304 pages, Kindle Edition
First published May 4, 2021
2479 people are currently reading
10900 people want to read
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Displaying 1 - 30 of 924 reviews
December 30, 2020
Thanks to NetGalley and HarperCollins for the digital galley of this one.
I was approved for a review copy of this one and started reading it the same day. I’m a huge personal finance nerd, and I am always looking for interesting information/advice about growing personal wealth (I have *lofty* goals of buying an affordable house and retiring one day, haha). This book was not at all what I expected.
This book makes some very bold claims. It advertises to each you to “build serious wealth, increase your income significantly within one year, get on the path to becoming a millionaire within three years, and stop getting in your own way.” I would argue that it does achieve its goals, but not in the way I expected.
Before diving into how to become a millionaire, Rodgers shares her own story and helps us understand the barriers our own lives and society has placed in our way to building wealth. Women especially are taught to save small and not spend, because we are naturally over spenders. Rodgers calls BS and shows us that we are constantly undervalued and thus undervalue ourselves.
Each chapter has hypotheticals or stories of real women and a section that compares “Broke Ass Decisions” and “Million Dollar Decisions,” mindsets, boundaries, etc.
There really aren’t any concrete “money” things until about 70-80% through the book, but rather, it’s about educating yourself on this history of financial oppression towards women, black folx, lgbtq+ peeps, and why/how these systems cause us to doubt ourselves. There are concrete steps about thinking about skills/ways to make money, but nothing super specific, as each person is different and will have different things to bring to the table.
If you’re looking for a saving and investing book, this ain’t it. This book urges you to make big moves that will pay off in huge ways, not just saving and investing safely until retirement. Personally, that’s not my style, and even though there’s some great motivation in here, I honestly don’t think it’s practical for my situation. However, there are cited cases throughout the book of women in my situation who started making huge amounts of money, so don’t let my personal preferences deter you.
Money aside, this is a great motivational book and memoir. It’s really cool to see a black woman succeed and want to empower other people to chase their dreams. It’s not out until May, but Rodgers has a large online presence and support groups, so look her up and see what she’s got to say in case it might work for you.
June 9, 2025
Mixed emotions with this one here.
It is centered on women and written for women, that is what made me pick up this book. But I didn't receive what I was expecting.
Positive aspects:
Fresh language, not too long and gives you the push you need to want abundance in your life and fight for it.
Less positive aspects:
Rather poor writing quality.
The audio-book is narrated by the writer, and she is not very good reading out loud (she improves during the book a little bit, though).
She gives too much attention (and pages) to explain us different situations she experienced during her life. Maybe too much talking about herself.
Conclusion: Meh. My favorite part was the Appendix, where she gives 100 different reasons to become a millionaire.
It is centered on women and written for women, that is what made me pick up this book. But I didn't receive what I was expecting.
Positive aspects:
Fresh language, not too long and gives you the push you need to want abundance in your life and fight for it.
Less positive aspects:
Rather poor writing quality.
The audio-book is narrated by the writer, and she is not very good reading out loud (she improves during the book a little bit, though).
She gives too much attention (and pages) to explain us different situations she experienced during her life. Maybe too much talking about herself.
Conclusion: Meh. My favorite part was the Appendix, where she gives 100 different reasons to become a millionaire.
November 23, 2021
I devoured this on audiobook! It felt like I had Rachel Rodgers coaching me right there with me on my walk, helping me stop making Broke A— Decisions (or BAD as she calls them) and start making Million Dollar ones.
The book helped me to set big goals for myself and create a practical plan to get them — from adding up what my dream life would actually cost, to making a plan to get there, to finding a squad to help me. All within a social justice lens and a recognition of the need for women and marginalized groups to gain more access to resources.
The book helped me to set big goals for myself and create a practical plan to get them — from adding up what my dream life would actually cost, to making a plan to get there, to finding a squad to help me. All within a social justice lens and a recognition of the need for women and marginalized groups to gain more access to resources.
January 15, 2021
Women deserve the economic power and equality that comes with wealth, and we all have it in us to be millionaires. We Should All Be Millionaires details a realistic, achievable, step-by-step path to become a millionaire within the next three years. Thank you to NetGalley for allowing me to read this book. I highly recommend reading this book.
November 9, 2021
I get that women deserve more pay--they do, but this book is more talk about herself and how much money she has then anything else.
The first part of this book is a story about her life, one which I found no interest in. We all have hard lives but this means nothing to how we become wealthy other than the motivational factor that we never want to be in a bind again where money is missing.
The fact is that if money were distributed evening, we would all, really, be millionaires, but that is not the real world.
So we begin with the second part of this book:
The information is basic, starting a small business, investing, et cetera. But where is the real help, where is the real information? No where.
Why...because is a ploy to join her group in how to learn the tactics. So what is the point of this book other than wasting my time. This book is really in need of being 1 single page: promotional for her services.
I couldn't get into it. And mainly, I was taken out from the very first page because of a male figure reading something that is aimed at women but gives all the financial information that is relatable to all humans, therefore giving voice to women so that the reviews are amazing since they believe that a book was dedicated to them when in reality it was for everyone. But that's what niches do, they target a group and that group will run toward the product and so we get amazing reviews from those that think they've been given the greatest secret to change their lives.
It's tough to convince people of what I'm talking about, but hopefully someone will read this and buy something deeper on the subject of money and starting a line that leads to riches.
This is not the one.
The first part of this book is a story about her life, one which I found no interest in. We all have hard lives but this means nothing to how we become wealthy other than the motivational factor that we never want to be in a bind again where money is missing.
The fact is that if money were distributed evening, we would all, really, be millionaires, but that is not the real world.
So we begin with the second part of this book:
The information is basic, starting a small business, investing, et cetera. But where is the real help, where is the real information? No where.
Why...because is a ploy to join her group in how to learn the tactics. So what is the point of this book other than wasting my time. This book is really in need of being 1 single page: promotional for her services.
I couldn't get into it. And mainly, I was taken out from the very first page because of a male figure reading something that is aimed at women but gives all the financial information that is relatable to all humans, therefore giving voice to women so that the reviews are amazing since they believe that a book was dedicated to them when in reality it was for everyone. But that's what niches do, they target a group and that group will run toward the product and so we get amazing reviews from those that think they've been given the greatest secret to change their lives.
It's tough to convince people of what I'm talking about, but hopefully someone will read this and buy something deeper on the subject of money and starting a line that leads to riches.
This is not the one.
August 29, 2021
Rodgers lacks even a basic understanding of economics. Anyone who has taken a business class can immediately notice flaws in her logic. In the intro she mentions giving money to good causes, but unfortunately throughout the rest of the book her examples center around materialistic incentives like being able to afford brand-name purses. I was disappointed with the whole book and frankly shocked that so many readers found inspiration from someone so shallow and immature.
August 16, 2022
I'm working on becoming a genius at money, and have thus far felt most comfortable getting financial information from women, because, hello. I don't know about you, but I grew up with essentially no financial literacy education and have no evidence that men are particularly interested in women getting better at this.
That being said, I've read enough books at this point to be past the "ladies, we can do this" phase and am much deeper into the "let's talk specifics" part of my journey. This book is definitely more of a book to start out with, and one that I think nascent entrepreneurs would benefit from, moreso than where I'm at.
I know I want to be financially successful, have a number in mind of where I want to be, believe I deserve and am capable of achieveing it, and am here for practical, tangible advice as opposed to more psychological encouragement. I am also not super engaged in the idea of owning my own business or side hustle, which is pretty central to wealth generation in this book.
I think Rodgers makes EXCELLENT points about why women having more money helps us all, and her conversational tone is relatable and her story is inspiring. If you are at a place in your financial journey where you need some cheerleading to believe you can do it, perhaps this is the read for you.
That being said, there is some pretty aspirational advice here and despite her addressing her "Burger Boos" making minimum wage, I'm not sure the advice is super actionable. I think her advice is strongest as it relates to women determining our hourly rate, strengthening negotiation skills, and not shying away from asking for what we are worth - particularly if you are your own boss.
A breakdown of her household staff, much less Chrissy Teigen's, didn't feel super relatable, but hey! That's kind of the point here I think. But if the point of the book is to be rich enough, or aspirationally rich enough, to hire help, is the point of the book truly that we should ALL be millionaires...?
All this being said, there is also quite a bit of promotion of her own services, and for that I drop a star. It feels close enough to MLM self-promotion and prosperity gospel for me to not feel great about recommending this one.
Instead, read the Clever Girl Finance book about investing or Miss Independent for concrete ways to grow your wealth that aren't inherently dependent on mindset or intention, but on where you actually keep and profit from the dollars that you make.
That being said, I've read enough books at this point to be past the "ladies, we can do this" phase and am much deeper into the "let's talk specifics" part of my journey. This book is definitely more of a book to start out with, and one that I think nascent entrepreneurs would benefit from, moreso than where I'm at.
I know I want to be financially successful, have a number in mind of where I want to be, believe I deserve and am capable of achieveing it, and am here for practical, tangible advice as opposed to more psychological encouragement. I am also not super engaged in the idea of owning my own business or side hustle, which is pretty central to wealth generation in this book.
I think Rodgers makes EXCELLENT points about why women having more money helps us all, and her conversational tone is relatable and her story is inspiring. If you are at a place in your financial journey where you need some cheerleading to believe you can do it, perhaps this is the read for you.
That being said, there is some pretty aspirational advice here and despite her addressing her "Burger Boos" making minimum wage, I'm not sure the advice is super actionable. I think her advice is strongest as it relates to women determining our hourly rate, strengthening negotiation skills, and not shying away from asking for what we are worth - particularly if you are your own boss.
A breakdown of her household staff, much less Chrissy Teigen's, didn't feel super relatable, but hey! That's kind of the point here I think. But if the point of the book is to be rich enough, or aspirationally rich enough, to hire help, is the point of the book truly that we should ALL be millionaires...?
All this being said, there is also quite a bit of promotion of her own services, and for that I drop a star. It feels close enough to MLM self-promotion and prosperity gospel for me to not feel great about recommending this one.
Instead, read the Clever Girl Finance book about investing or Miss Independent for concrete ways to grow your wealth that aren't inherently dependent on mindset or intention, but on where you actually keep and profit from the dollars that you make.
May 27, 2021
Every single woman in the world needs to read this book (period).
April 22, 2024
I’ve been slowly reading and processing this. And I’ll probably read it again.
But ladies…WE ALL DESERVE TO BE MILLIONAIRES!!
If you haven’t read this and you’re unhappy with where you are currently in life, go read this. Let’s learn to reframe some thoughts and beliefs we have about ourselves!!!!
No more letting things/people/circumstance hold you back anymore! Let her change your mind💗
This is where you begin to grow and expand.
10/10 I loved this one!!!! And I will recommend it to everyone!
But ladies…WE ALL DESERVE TO BE MILLIONAIRES!!
If you haven’t read this and you’re unhappy with where you are currently in life, go read this. Let’s learn to reframe some thoughts and beliefs we have about ourselves!!!!
No more letting things/people/circumstance hold you back anymore! Let her change your mind💗
This is where you begin to grow and expand.
10/10 I loved this one!!!! And I will recommend it to everyone!
January 3, 2022
I really enjoyed this book. Most business books aren’t directed at Black Women (and other women of color) let alone written by them. Rodgers has good advice that’s rooted in experience. I like that her ideas aren’t about being frugal but rather generating more income. I liked the conversational style. I wish there were more concrete steps (there are some) instead of general idea.
April 29, 2021
Back in 2004 when I attended Institute for Integrative Nutrition, I had no clarity or vision for myself as a business owner, or even simply being self-employed. I had only been in the workforce for about six years, but my then 24-year old self was already feeling my soul being sucked out of me. I had big ideas and nowhere to plant them. I was bored and broken to tears most days, having been forced to let go of my photography career in pursuit of the middle class aspiration of getting a “good job”, one that I would loyally put 30 years into and be rewarded with health insurance, paid time off, and a pension when I retired.
I didn’t need to like the work I was doing, the people I worked with, or my employers. I was simply there to fulfill the job requirements and collect a check. That paycheck, along with job security, was supposed to be enough motivation to keep up and keep going. But it wasn’t. It doesn’t matter how much or how little I’ve made, I was not thriving in this model. I’ve had all kinds of work experiences from office administration to customer service to food and farming. While I’m grateful for those experiences, they never nourished me to the level that being in control of my time and choosing which projects I wanted to work on did.
I’ve been working towards sustainable self-employment for over fifteen years, toggling back and forth between cash jobs and promoting my own offers. While I enjoy an enviable level of time freedom, consistent and abundant cash flow continues to elude me. I’ve read countless books about mindset and money, taken courses, and masterminded with friends and colleagues who share my aspirations.
But I didn’t know that I needed to constantly surround myself with women who looked like me that were at the level I was trying to get to. I didn’t know that delegating work I wasn’t particularly good at or interested in would free up my time and mental space to focus on the work that really mattered to me. I thought I had to wait until I could afford it, and I wasted so much time and energy in the process.
I also didn’t know how to charge enough to pay myself a living wage, because all I was hearing was that I needed to charge at a level where the most people could afford to pay me instead of working with a small, dedicated few at a higher level. Even when I would tell prospects that it costs me the same to host a free workshop as it does to host a paid one, I was still undercharging. Even when I was showing up impatient and angry with clients for wasting my time with bs, not doing any of the work to get the results they claimed they wanted, I was still undercharging.
When one of my best sisterfriends introduced me to Rachel Rodgers years ago, I had no idea that a million dollar business was even possible for me. I couldn’t imagine telling someone that I charge five and ten thousand dollars to work with me. My nervous system is going into overdrive now just thinking about it. It’s not about how I perceive my worth or value. I’m really good at what I do and I get my clients results. It’s the idea that I could show up as myself and have that kind of money coming to me every month in less hours a week that I would have given any “good job” that’s out there, without the microaggressions, without being overworked, undervalued, underappreciated, and underpaid, without having to dim my light or play small, that is mindblowing to me.
I’m still not at the level where I am charging this amount of money, but I’m recalibrating and reimagining what’s possible for my life. What I love about Rachel Rodgers and her manifesto that We Should All Be Millionaires is that it’s not about the money. You don’t need to have a million dollars in the bank to have a rich life. Actually, you shouldn’t have that amount of money in the bank just sitting there because money is energy. It should always be working and growing. We Should All Be Millionaires is about cultivating a life of abundance that you can pay forward (no pun intended) by creating opportunities for yourself and others. It’s about recognizing and playing to your strengths. It’s about having the time, space, and cashflow to support yourself and your family, and give back to the community.
I know that a lot of people, especially women, are going to read this book and miss the message, or see the title and not read it because they are stuck in a story about what they deserve or who they think they aren’t. They are going to think this is about budgeting and investing and be disappointed. They will continue to make broke ass decisions instead of million dollar decisions. They are not going to make money and impact in their lives and in the lives of others.
But for those that do read it, I hope it inspires them to play a bigger game, to go out and build community with like minds that will help them reach their goals and create a ripple effect. Because we should all be millionaires.
I didn’t need to like the work I was doing, the people I worked with, or my employers. I was simply there to fulfill the job requirements and collect a check. That paycheck, along with job security, was supposed to be enough motivation to keep up and keep going. But it wasn’t. It doesn’t matter how much or how little I’ve made, I was not thriving in this model. I’ve had all kinds of work experiences from office administration to customer service to food and farming. While I’m grateful for those experiences, they never nourished me to the level that being in control of my time and choosing which projects I wanted to work on did.
I’ve been working towards sustainable self-employment for over fifteen years, toggling back and forth between cash jobs and promoting my own offers. While I enjoy an enviable level of time freedom, consistent and abundant cash flow continues to elude me. I’ve read countless books about mindset and money, taken courses, and masterminded with friends and colleagues who share my aspirations.
But I didn’t know that I needed to constantly surround myself with women who looked like me that were at the level I was trying to get to. I didn’t know that delegating work I wasn’t particularly good at or interested in would free up my time and mental space to focus on the work that really mattered to me. I thought I had to wait until I could afford it, and I wasted so much time and energy in the process.
I also didn’t know how to charge enough to pay myself a living wage, because all I was hearing was that I needed to charge at a level where the most people could afford to pay me instead of working with a small, dedicated few at a higher level. Even when I would tell prospects that it costs me the same to host a free workshop as it does to host a paid one, I was still undercharging. Even when I was showing up impatient and angry with clients for wasting my time with bs, not doing any of the work to get the results they claimed they wanted, I was still undercharging.
When one of my best sisterfriends introduced me to Rachel Rodgers years ago, I had no idea that a million dollar business was even possible for me. I couldn’t imagine telling someone that I charge five and ten thousand dollars to work with me. My nervous system is going into overdrive now just thinking about it. It’s not about how I perceive my worth or value. I’m really good at what I do and I get my clients results. It’s the idea that I could show up as myself and have that kind of money coming to me every month in less hours a week that I would have given any “good job” that’s out there, without the microaggressions, without being overworked, undervalued, underappreciated, and underpaid, without having to dim my light or play small, that is mindblowing to me.
I’m still not at the level where I am charging this amount of money, but I’m recalibrating and reimagining what’s possible for my life. What I love about Rachel Rodgers and her manifesto that We Should All Be Millionaires is that it’s not about the money. You don’t need to have a million dollars in the bank to have a rich life. Actually, you shouldn’t have that amount of money in the bank just sitting there because money is energy. It should always be working and growing. We Should All Be Millionaires is about cultivating a life of abundance that you can pay forward (no pun intended) by creating opportunities for yourself and others. It’s about recognizing and playing to your strengths. It’s about having the time, space, and cashflow to support yourself and your family, and give back to the community.
I know that a lot of people, especially women, are going to read this book and miss the message, or see the title and not read it because they are stuck in a story about what they deserve or who they think they aren’t. They are going to think this is about budgeting and investing and be disappointed. They will continue to make broke ass decisions instead of million dollar decisions. They are not going to make money and impact in their lives and in the lives of others.
But for those that do read it, I hope it inspires them to play a bigger game, to go out and build community with like minds that will help them reach their goals and create a ripple effect. Because we should all be millionaires.
December 23, 2021
Look, this book had some great points, BUT I was really hoping for a lot more practical advice on how the heck to become wealthy. 2.5 Stars is where I'd put it, hovering somewhere between "blah" and "okay."
Instead, it was loaded with endless case studies of people through the ages, and the constant reminder that women/minorities are oppressed and have been for centuries and that’s why we are behind and how mad we are and how unfair all that is. ALL TRUE, but I didn’t really need that reminder. I signed up to learn practical and productive wealth building skills, NOT read through hours of social-justice-lite, or be told that deciding to hire people so I don’t have to do things myself is a million-dollar-decision.
HARDLY a “detailed, realistic, achievable, step-by-step path and plan you need to own your success and become a millionaire.”
THAT is a ridiculous description now that I’ve read the book.
A more accurate summary would say “advice on taking better care of yourself, make common sense decisions, not running yourself ragged, listening to other people’s stories, and getting mad/depressed over social justicey sh*t all over again.” All of which are FINE subjects, but those books have been written before en masse, and are severely less compelling than what is advertised. I'm not an idiot, I know that reading one book won't make you a millionaire, but this is just another coachey fluff-fest in a whole sea of them, really.
Also, several weird moments where you learn how the author “negotiates” less play time with her kids or puts a price on how much money she’s losing by babysitting her nephews ($150/week) just makes this feel a little bit dystopian. She’s just REALLY focused on the money. At times, it’s too much. Kinda makes you wonder if you want to be a millionaire after all since it sounds a LOT like more hustle culture hype.
Entertaining, good at hyping you, but overall practical-wealth-building info-wise: blah.
Instead, it was loaded with endless case studies of people through the ages, and the constant reminder that women/minorities are oppressed and have been for centuries and that’s why we are behind and how mad we are and how unfair all that is. ALL TRUE, but I didn’t really need that reminder. I signed up to learn practical and productive wealth building skills, NOT read through hours of social-justice-lite, or be told that deciding to hire people so I don’t have to do things myself is a million-dollar-decision.
HARDLY a “detailed, realistic, achievable, step-by-step path and plan you need to own your success and become a millionaire.”
THAT is a ridiculous description now that I’ve read the book.
A more accurate summary would say “advice on taking better care of yourself, make common sense decisions, not running yourself ragged, listening to other people’s stories, and getting mad/depressed over social justicey sh*t all over again.” All of which are FINE subjects, but those books have been written before en masse, and are severely less compelling than what is advertised. I'm not an idiot, I know that reading one book won't make you a millionaire, but this is just another coachey fluff-fest in a whole sea of them, really.
Also, several weird moments where you learn how the author “negotiates” less play time with her kids or puts a price on how much money she’s losing by babysitting her nephews ($150/week) just makes this feel a little bit dystopian. She’s just REALLY focused on the money. At times, it’s too much. Kinda makes you wonder if you want to be a millionaire after all since it sounds a LOT like more hustle culture hype.
Entertaining, good at hyping you, but overall practical-wealth-building info-wise: blah.
January 19, 2022
Ridiculous. This book comes from such a place of privilege. Examples of ways to become a millionaire - run your own law practice, invest in real estate, or day trade in the stock market. All of these things require a ton of money. The 1% is completely out of touch with those doing working class jobs for minimum wage or nowhere close to a living wage. College and investing are luxuries for the rich.
September 19, 2021
(3.5) So! There’s a lot to like about this book. Take away the money focus & you have a strong, inspiring self-help about getting rid of shame and respecting yourself. I especially liked her bit about debt - debt represents all the ways you care about others and yourself. And you shouldn’t be embarrassed about caring.
What didn’t work was the capitalist bent. Most of the suggestions are to hire help - which, true, help is good! But you can’t then say we should all be millionaires because the argument relies on a class not being millionaires. It doesn’t work. And while there are lines here & there that attempt to address class inequality, they fall flat. Even the idea that more money means more charity flows to buying into the system perpetually instead of working to kill the system. I don’t disagree that money drives activism but the attempt to shoehorn a millionaire mentality into that activism objectively doesn’t work. They’re opposing forces. And you can’t have both.
There’s also too much bootstrap mentality in this. And again, I could forgive this if she didn’t specifically try to cater to all demographics by explicitly saying this is for everyone, including the generationally working class. It clangs and it drowns the really wonderful messages (you can control your dignity, you can control how you speak to yourself).
(I’m sure it didn’t help that I was reading Sarah Jaffe’s book on work/money at that same time.)
What didn’t work was the capitalist bent. Most of the suggestions are to hire help - which, true, help is good! But you can’t then say we should all be millionaires because the argument relies on a class not being millionaires. It doesn’t work. And while there are lines here & there that attempt to address class inequality, they fall flat. Even the idea that more money means more charity flows to buying into the system perpetually instead of working to kill the system. I don’t disagree that money drives activism but the attempt to shoehorn a millionaire mentality into that activism objectively doesn’t work. They’re opposing forces. And you can’t have both.
There’s also too much bootstrap mentality in this. And again, I could forgive this if she didn’t specifically try to cater to all demographics by explicitly saying this is for everyone, including the generationally working class. It clangs and it drowns the really wonderful messages (you can control your dignity, you can control how you speak to yourself).
(I’m sure it didn’t help that I was reading Sarah Jaffe’s book on work/money at that same time.)
November 2, 2022
Books by life coaches turned authors do not normally appeal to me, but a few trusted resources mentioned this book, so I gave it a try despite being turned off by everything about it at first glance.
I should have listened to my instincts - this was definitely not for me. If you’re worn out by the “look how rich I am, you can too!” life coaches and MLM “CEO” moms, this won’t be your cup of tea either.
There was some tangible advice, though I would have enjoyed this book more without the overplayed, cloying “girl boss” language. For a book that’s meant to empower women, it sure demeaned itself with all of the nonsensical “put on your sparkly tiara” and “grab your Chanel bag” crap.
In the same way I’d hate for other men to immediately refer to me as “bro” if I were a man, I also don’t appreciate women coaches trying to ingratiate themselves to me by using bullshit catchalls like “sis” and “boo” and “mama” when referring to me directly.
This is a Rachel Hollis of finance book. I don’t need a book on managing money to tell me to buy a first class ticket to “feel like a millionaire” like every other cheesy life coach on the internet.
This is far less practical financial advice and much more repetitive mindset gobbly goop that you see in endless Instagram posts.
If you are currently holding a mug in your hand that says “boss bitch” or “girl boss”, perhaps this book will resonate. If you’re an adult woman seeking actual financial guidance, look elsewhere.
I should have listened to my instincts - this was definitely not for me. If you’re worn out by the “look how rich I am, you can too!” life coaches and MLM “CEO” moms, this won’t be your cup of tea either.
There was some tangible advice, though I would have enjoyed this book more without the overplayed, cloying “girl boss” language. For a book that’s meant to empower women, it sure demeaned itself with all of the nonsensical “put on your sparkly tiara” and “grab your Chanel bag” crap.
In the same way I’d hate for other men to immediately refer to me as “bro” if I were a man, I also don’t appreciate women coaches trying to ingratiate themselves to me by using bullshit catchalls like “sis” and “boo” and “mama” when referring to me directly.
This is a Rachel Hollis of finance book. I don’t need a book on managing money to tell me to buy a first class ticket to “feel like a millionaire” like every other cheesy life coach on the internet.
This is far less practical financial advice and much more repetitive mindset gobbly goop that you see in endless Instagram posts.
If you are currently holding a mug in your hand that says “boss bitch” or “girl boss”, perhaps this book will resonate. If you’re an adult woman seeking actual financial guidance, look elsewhere.
July 8, 2022
I only finished this because I was waiting for library holds to come in. Her ideas are marketed towards everyone but really only seem applicable to entrepreneurs or freelancers with a lot of control over their own salary. The only solid takeaway in my opinion is the emphasis on money buying time and outsourcing tasks/responsibilities as you’re able; although, her ideas of how to do that are rather far-fetched.
July 25, 2021
My daughters' expressed such great enthusiasm for this book that I was eager to read it both for myself, and to help me appreciate all the changes they are making these days in their personal lives and careers. Sure enough, I found all the head slapping "wows" and "of courses!", and the "How is is possibles I'm just now learning/realizing that this is the way things are?!" that they were raving about.
I read Wayne Dyer and Norman Vincent Peale in my twenties and came away inspired, but Rachel Rodgers is unapologetically feminist, and she addresses women ( particularly women of color) and the realities we all face today. And she's practical, no pie-in-the-sky pep talks. There are pep talks, but they come with strategies to help the reader identify and implement her goals. This book should be required reading for young women in high school and college.
I read Wayne Dyer and Norman Vincent Peale in my twenties and came away inspired, but Rachel Rodgers is unapologetically feminist, and she addresses women ( particularly women of color) and the realities we all face today. And she's practical, no pie-in-the-sky pep talks. There are pep talks, but they come with strategies to help the reader identify and implement her goals. This book should be required reading for young women in high school and college.
January 18, 2022
After seeing this book pop up on multiple “best of 2021” lists I decided to give it a listen on audio, about 40% through the book I decided I also needed a physical copy so I could reference back to various strategies, motivational prompts & practices. 👏 I love the way Rachel deconstructs mindsets & barriers around wealth & women & especially love how she outlines the impact of women having wealth with stats & numbers that show the ways women use wealth to influence positive change & help their communities thrive. It really positioned me to think about “wealth” in a whole new light & gave me tons of nuggets of inspiration & actions I can take today. I also loved that Rachel doesn’t stress extreme hustle OR extreme frugality but rather creative thinking, delegating & “million dollar mindsets”. I absolutely LOVED this book (despite some of the statements that were made that I didn’t totally agree with) & intend to put a lot of her advice into practice immediately & ongoing. 5 million dollar stars! ⭐️
May 2, 2022
It wasn’t what I expected. I listened to the audio version and although I appreciate all that she has accomplished. She makes 1 million a year, has 4 cute kids, a husband, her dream home, a nanny and a cook and a bunch of people who works on her team.
All that has nothing to do with being a millionaire. I own a small business and I do everything myself. Why? Because I can barely afford to pay myself most months. I can’t take on additional help until I start making meaningful profit.
I understand exactly the point of view she is coming from but it’s not realistic for most black women
All that has nothing to do with being a millionaire. I own a small business and I do everything myself. Why? Because I can barely afford to pay myself most months. I can’t take on additional help until I start making meaningful profit.
I understand exactly the point of view she is coming from but it’s not realistic for most black women
February 16, 2022
While the idea is good (women entrepreneurship and financial independence), the implementation is not.
The word “Milionaire” is literally written 5 times EACH page and a lot of personal information (too much) is shared.
Let us be more realistic with how All we can be millionaires and tail it to ANY OTHER population than USA.
As said, some good advice but dreadful to read and did not reach far, due to too many self details and self life.
The word “Milionaire” is literally written 5 times EACH page and a lot of personal information (too much) is shared.
Let us be more realistic with how All we can be millionaires and tail it to ANY OTHER population than USA.
As said, some good advice but dreadful to read and did not reach far, due to too many self details and self life.
May 21, 2021
I'm actually kind of shook by how big an emotional impact this book made on me. I'm generally a skeptical person who thinks of self-improvement books as candy - tasty, quick to consume, with no nutritional value. I enjoy reading them but don't expect much more than the usual peppy platitudes.
This book, however, reeled me in close. I finished the entire audiobook in two days! I'm not a woman, so some of the content didn't apply to me directly, but the advice in this book felt genuine and applicable regardless. Usually, I feel alienated by "change your mindset and make more money" books, the ones overwhelmingly written by white people that are so out of touch that they genuinely think that with a power pose and some thriftiness, anyone can be rich and powerful! While Rodgers does have this message, she doesn't shy away from the reality of oppression that affects women, BIPOC, and queer people.
Her rags to riches story is a story of facing oppression head on instead of playing its game. (She literally has an entire section on why we can't rely on white men!) Her voice, while still positive in a life-coach/influencer way, feels honest and direct. Because of this, I never felt like I was being lectured by someone who doesn't understand my reality; rather, I felt like I was listening to a co-conspirator, a mentor who sat me down and gave me both a loving reality check and the encouragement to move forward. I'm a small business owner/freelance artist and I hadn't let myself dream big in a long time, and this book is helping me look at that in a new, exciting way!
This book, however, reeled me in close. I finished the entire audiobook in two days! I'm not a woman, so some of the content didn't apply to me directly, but the advice in this book felt genuine and applicable regardless. Usually, I feel alienated by "change your mindset and make more money" books, the ones overwhelmingly written by white people that are so out of touch that they genuinely think that with a power pose and some thriftiness, anyone can be rich and powerful! While Rodgers does have this message, she doesn't shy away from the reality of oppression that affects women, BIPOC, and queer people.
Her rags to riches story is a story of facing oppression head on instead of playing its game. (She literally has an entire section on why we can't rely on white men!) Her voice, while still positive in a life-coach/influencer way, feels honest and direct. Because of this, I never felt like I was being lectured by someone who doesn't understand my reality; rather, I felt like I was listening to a co-conspirator, a mentor who sat me down and gave me both a loving reality check and the encouragement to move forward. I'm a small business owner/freelance artist and I hadn't let myself dream big in a long time, and this book is helping me look at that in a new, exciting way!
July 17, 2021
I am honestly shocked by how much I liked this book, based on how I rolled my eyes when I first heard the title. However, this is a no-bullshit, intersectional book with a really solid overview of some of the ways that race and gender impact earnings. White people should read it for the Black history in it that they very likely haven't learned, and while it's obviously upsetting, it's not presented in all the triggering details that full books on the topic tend to be.
The basic premise is that women, and especially women of color, should have a million dollars in assets and/or earnings to build generational wealth. That's just a house, in many big cities of America. We KNOW that legislation will not save us from wealth inequality.
My favorite idea in the book is that women being told to scrimp and save is not only sexist but the slowest possible way to reach financial goals. Just make more money! And she puts it in a way that makes sense and isn't just ignoring all societal factors.
I'm non-binary, but this book was so intersectional that I didn't even find myself feeling excluded or ignored. She mentions non-binary people specifically a few times, and while the book is overall aimed at women, it's not full of a bunch of gender essentialist nonsense. AND I didn't spot any exhortations to lose weight, which are an almost ubiquitous part in self-help. It's even disability-friendly, overall. The only thing I truly missed was a bit more socio-economic theory, but that's just me being a nerd.
The basic premise is that women, and especially women of color, should have a million dollars in assets and/or earnings to build generational wealth. That's just a house, in many big cities of America. We KNOW that legislation will not save us from wealth inequality.
My favorite idea in the book is that women being told to scrimp and save is not only sexist but the slowest possible way to reach financial goals. Just make more money! And she puts it in a way that makes sense and isn't just ignoring all societal factors.
I'm non-binary, but this book was so intersectional that I didn't even find myself feeling excluded or ignored. She mentions non-binary people specifically a few times, and while the book is overall aimed at women, it's not full of a bunch of gender essentialist nonsense. AND I didn't spot any exhortations to lose weight, which are an almost ubiquitous part in self-help. It's even disability-friendly, overall. The only thing I truly missed was a bit more socio-economic theory, but that's just me being a nerd.
October 4, 2021
The overwhelmingly positive reviews are a little shocking! This book was so awful in my opinion that I returned it. If you need a pick me up I guess this could work, but if you’re expecting “step-by-step” instructions as it relates to wealth-building, well… this book is a bait and switch. It belongs in self-help/development, not personal finance.
Not only is it littered with statistics about how difficult it is to be a BW in America (which, yeah, we know. Am I the only one who doesn’t need a reminder?) it provides no tangible follow-up on how to fix or address so many of the issues impacting said statistics. This chapter was a HUGE downer and it was right in the beginning of the book.
Oddly enough, the author then spends several chapters inundating us with ra-ra “you can do it! Just journal your feelings!” sentiments. I genuinely don’t understand the premise of this book.
Finally, in chapter ten (the second to last chapter) we are given our first explicit action item to begin building wealth… and it’s to hire a personal assistant to answer emails. Not kidding. I was hanging on, hoping she was setting the stage for anything actionable at this point, and that’s what I got. Haha.
Hard pass on the book, and the personal assistant.
Not only is it littered with statistics about how difficult it is to be a BW in America (which, yeah, we know. Am I the only one who doesn’t need a reminder?) it provides no tangible follow-up on how to fix or address so many of the issues impacting said statistics. This chapter was a HUGE downer and it was right in the beginning of the book.
Oddly enough, the author then spends several chapters inundating us with ra-ra “you can do it! Just journal your feelings!” sentiments. I genuinely don’t understand the premise of this book.
Finally, in chapter ten (the second to last chapter) we are given our first explicit action item to begin building wealth… and it’s to hire a personal assistant to answer emails. Not kidding. I was hanging on, hoping she was setting the stage for anything actionable at this point, and that’s what I got. Haha.
Hard pass on the book, and the personal assistant.
August 13, 2022
This is very motivating.
January 22, 2024
It left me thinking, but I didn’t resonate with much of the advice in this book. It was a lot of the author telling readers to have a millionaire mindset and hire staff so you can have more time to make good money making choices.
May 19, 2025
I like some of the things she writes about but I also think some of her beliefs can be quite dangerous. To me, she reminds me of one of those women in those Housewives shows where there is so much emphasis on bling, how wealthy you appear to others to attract future business, more opportunities, etc. that it disturbs me. I will say that she does say at the outset that this book is not about purchasing more things in your life but then spends the next few hundred pages espousing just that.
PROs:
-I like how she speaks about expansiveness - about your mindset, identifying and seeking opportunities as opposed to focusing on contraction, saving, etc. She writes that this book is not about saving money by passing on the latte and thank goodness for that. I think this message is a good one for many women (and men) - there are many ways to obtain wealth and putting all your eggs in the saving basket is probably the hardest, longest road there
-You've got to change your habits to align with the person you want to become. Solid advice and a good one for this time of the year - New Year's
ISSUEs:
-Did not like the excessive focus on personal assistants, chefs, etc.. The message about valuing your time, making the best use of it and capitalizing on time as our most valuable commodity is an imp't one but this one like taking a step towards a house built of cards that could collapse at any moment
-There is so much focus on thinking big, leveraging an available workforce, hiring others, that she openly shuns the ethos of working hard. She is dismissive of doing things that you don't enjoy - don't like being an asst - leave the job or be so bad at it (arrive late, don't complete projects on time or submit poor products) that you get fired. To me, this is where she falls down the hardest. I think it's imp't that people stay in and finish (if not succeed) even in things that they don't like to do - even if it's work that she considers beneath her. It's part of building character.
Her book may resonate with many. She's honest about her challenges with money in the past and does state that if she can do it w/her credit score of less than 500 than anyone can.
PROs:
-I like how she speaks about expansiveness - about your mindset, identifying and seeking opportunities as opposed to focusing on contraction, saving, etc. She writes that this book is not about saving money by passing on the latte and thank goodness for that. I think this message is a good one for many women (and men) - there are many ways to obtain wealth and putting all your eggs in the saving basket is probably the hardest, longest road there
-You've got to change your habits to align with the person you want to become. Solid advice and a good one for this time of the year - New Year's
ISSUEs:
-Did not like the excessive focus on personal assistants, chefs, etc.. The message about valuing your time, making the best use of it and capitalizing on time as our most valuable commodity is an imp't one but this one like taking a step towards a house built of cards that could collapse at any moment
-There is so much focus on thinking big, leveraging an available workforce, hiring others, that she openly shuns the ethos of working hard. She is dismissive of doing things that you don't enjoy - don't like being an asst - leave the job or be so bad at it (arrive late, don't complete projects on time or submit poor products) that you get fired. To me, this is where she falls down the hardest. I think it's imp't that people stay in and finish (if not succeed) even in things that they don't like to do - even if it's work that she considers beneath her. It's part of building character.
Her book may resonate with many. She's honest about her challenges with money in the past and does state that if she can do it w/her credit score of less than 500 than anyone can.
October 9, 2023
Audio book. The premise here is that we are all capable of making millions of dollars a year and sometimes it’s just a matter of hiring out help to free our time up to generate and execute all the money making ideas in our head.
She really makes a case for hiring a personal assistant, chef, etc. if you don’t enjoy those things, or they prevent you from focusing on your income stream. As she listed out all the duties of a household manager and mom, it was clear I’ve been doing the jobs of several people and should’ve been making my own millions. “ money you can always replenish, time you cannot “
* boys get talked to more about making money and investing while girls are talked to about saving money and being careful with it. Lots of sweeping generalizations like “boys get paid more money than girls for doing the same chores at home.”
* Jealousy can be a positive thing. It’s usually a signal of exactly we want for ourselves: What we are jealous of. Even if it’s the ambition to get the thing.
* she preaches the opposite of Dave Ramsey. While he is teaching scrimp and save and live off beans and rice, she is saying find new income sources and live like a queen.
“ the people at the homeless shelter that you want to help would probably rather you create a job for them then serve them dinner.” she talks a lot about creating jobs for people.
It was interesting when she broke down celebrities hired Staff. House, managers, private chefs, nannies, all amounted to about half million a year that they employ.
It was pretty interesting. And we learned that wealthy whites men are terrible people. She couldn’t emphasize that enough.
She really makes a case for hiring a personal assistant, chef, etc. if you don’t enjoy those things, or they prevent you from focusing on your income stream. As she listed out all the duties of a household manager and mom, it was clear I’ve been doing the jobs of several people and should’ve been making my own millions. “ money you can always replenish, time you cannot “
* boys get talked to more about making money and investing while girls are talked to about saving money and being careful with it. Lots of sweeping generalizations like “boys get paid more money than girls for doing the same chores at home.”
* Jealousy can be a positive thing. It’s usually a signal of exactly we want for ourselves: What we are jealous of. Even if it’s the ambition to get the thing.
* she preaches the opposite of Dave Ramsey. While he is teaching scrimp and save and live off beans and rice, she is saying find new income sources and live like a queen.
“ the people at the homeless shelter that you want to help would probably rather you create a job for them then serve them dinner.” she talks a lot about creating jobs for people.
It was interesting when she broke down celebrities hired Staff. House, managers, private chefs, nannies, all amounted to about half million a year that they employ.
It was pretty interesting. And we learned that wealthy whites men are terrible people. She couldn’t emphasize that enough.
December 30, 2020
This book was received as an ARC from HarperCollins Leadership in exchange for an honest review. Opinions and thoughts expressed in this review are completely my own.
I absolutely loved the message this book carried out from beginning to end. We all can be millionaires but we have to work at it and start out struggling in order to learn what it takes to truly value money. I also loved how Rachel broke down in a mindset chart of a "broke ass mind" and a "millionaire mind" and I notice while reading the millionaire side, all of them were positive and optimistic despite what issues are surrounding and no matter what, they will not lose it. EVERYONE should read this book even if they are happy with their lives to not only better themselves but pay it forward and share it with those who are struggling and make the world a better place. I know I will be getting a copy not only for our library but for myself as well.
We will consider adding this title to our Self Help collection at our library. That is why we give this book 5 stars.
I absolutely loved the message this book carried out from beginning to end. We all can be millionaires but we have to work at it and start out struggling in order to learn what it takes to truly value money. I also loved how Rachel broke down in a mindset chart of a "broke ass mind" and a "millionaire mind" and I notice while reading the millionaire side, all of them were positive and optimistic despite what issues are surrounding and no matter what, they will not lose it. EVERYONE should read this book even if they are happy with their lives to not only better themselves but pay it forward and share it with those who are struggling and make the world a better place. I know I will be getting a copy not only for our library but for myself as well.
We will consider adding this title to our Self Help collection at our library. That is why we give this book 5 stars.
July 24, 2021
I'm torn. It's a needed plea for women to earn more money and especially valuable coming from a black female business owner. So it deserves five stars on that alone.
Maybe coming from Germany it's a different setting but reading in her chapter about asking for what you're worth as a women when applying for a job and right after it reading about how cheap it is to hire help - by paying her PA $20 an hour?? That really put me off. It might be double the minimum wage in the US, but it still is very low from my point of view.
I was also expecting a little bit more 'hands on advice' but the most part is Rachels story, which is very interesting to read and inspiring to follow... but less 'how to' than I was expecting. The 10k-in-10days-challenge towards the end was what I was hoping to read more of, but I think that's reserved for her membership area. Fair enough.
Maybe coming from Germany it's a different setting but reading in her chapter about asking for what you're worth as a women when applying for a job and right after it reading about how cheap it is to hire help - by paying her PA $20 an hour?? That really put me off. It might be double the minimum wage in the US, but it still is very low from my point of view.
I was also expecting a little bit more 'hands on advice' but the most part is Rachels story, which is very interesting to read and inspiring to follow... but less 'how to' than I was expecting. The 10k-in-10days-challenge towards the end was what I was hoping to read more of, but I think that's reserved for her membership area. Fair enough.
July 19, 2021
I really loved this book. There were so many great tips about how to stop making BAD (Broke Ass Decisions), how to reframe how you look at yourself and your capabilities and how to use your money as a tool to make more money. Her story was inspiring, I enjoyed learning about her rise to wealth and how she corrected her mistakes along the way. I do feel that the book is more useful for those who already have their own business or side hustle, but still had some nuggets others can pull from. 4 stars.
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