Introduction
Let’s be honest for a second: the middle-class dream is dead. I’ve looked at the numbers, I’ve looked at the inflation rates, and I’ve looked at the stagnation of wages. If you are aiming for “average,” you are setting yourself up for a financial struggle that will last your entire life. This is exactly why I decided to dive deep into Grant Cardone – How to Become a Millionaire. We are living in a time where being a millionaire is the new middle class, and if you don’t adapt your financial strategy, you are going to be left behind. I’ve taken this course myself, and I’m here to tell you that it isn’t just fluffy motivation; it is a mathematical, tactical breakdown of how to build genuine wealth.
In this review, I’m going to walk you through exactly what you can expect from this program. We aren’t just talking about saving a few dollars on coffee; we are talking about completely overhauling your approach to money, income, and investing. Grant Cardone – How to Become a Millionaire is designed to take you from wherever you are right now—whether you are in debt or just treading water—and put you on a path to seven figures and beyond. If you are tired of being told to “be happy with what you have” and are ready to demand more from your life and your finances, this is the roadmap you’ve been waiting for. Let’s break down what this course actually delivers and whether it lives up to the massive hype surrounding it.
Course Description
Grant Cardone – How to Become a Millionaire is a comprehensive online training program that serves as a blueprint for financial domination. Unlike traditional personal finance courses that focus heavily on budgeting and cutting back, Grant’s approach is aggressive and expansion-focused. The course is structured around video lessons where Grant breaks down the exact steps he took to go from broke and in debt to a multi-millionaire empire. The teaching style is direct, high-energy, and unapologetic. It combines psychological shifts in how you view money with actionable “Millionaire Math” that shows you exactly how much you need to do to hit your goals.
The program isn’t just a collection of tips; it is a complete system. It covers income acceleration, investment strategies, and the specific habits that separate the wealthy from the working class. You are not just learning theory here; you are looking at the playbook of a man who has built massive wealth in multiple sectors. The course is designed to be consumed step-by-step, allowing you to implement each strategy before moving on to the next level of your financial growth.
Ideal Student
- The Ambitious Employee: If you are working a 9-to-5 but feel you are worth way more than your paycheck, this course teaches you how to leverage your job to build wealth.
- Struggling Entrepreneurs: Business owners who are having a hard time scaling their revenue will find the sales and income strategies vital for breaking through plateaus.
- Debt-Burdened Individuals: Those who feel trapped by debt and need a radical shift in mindset and strategy to pay off liabilities and start accumulating assets.
- Aspiring Investors: People who know they need to invest but don’t know where to start, specifically in real estate or income-producing assets.
- The “Average” Hater: Anyone who is tired of settling for mediocrity and wants a no-BS guide to achieving high-level financial freedom.
Learning Outcomes
- Master Millionaire Math: You will learn how to calculate the exact number of income streams and investments needed to reach your specific financial goal.
- Shift Your Money Mindset: Transform your relationship with money from one of scarcity and fear to abundance and dominance.
- Increase Income Streams: Discover practical methods to create multiple flows of income so you aren’t reliant on a single source.
- Strategic Investing: Learn where to put your money to ensure it works for you, generating compound growth rather than sitting in a low-interest savings account.
- Avoid Financial Traps: Identify the common pitfalls and “middle-class” myths that keep people poor and how to steer clear of them.
Course Modules
This course is structured to take you on a journey from redefining your goals to executing a massive financial plan. Grant Cardone – How to Become a Millionaire is broken down into actionable modules that build upon one another. Let’s dive into what each section covers so you can see the depth of the curriculum.
Module 1: The New Middle Class
In this opening module, Grant sets the stage by dismantling the traditional concept of the middle class. He argues that the old definition of financial security—getting a job, buying a house, and saving—is obsolete. You will learn why aiming for “average” is actually the riskiest financial strategy you can take in today’s economy. The module challenges you to redefine your financial target. It’s not just about being comfortable; it’s about being dominant. You’ll explore the economic shifts that have occurred over the last few decades and why inflation is eating away at the standard of living. This section is crucial for shifting your mindset from a saver to an earner.
- Understanding why the middle class is shrinking.
- Redefining your financial identity.
- The economic reality of inflation and wages.
Module 2: Millionaire Math
This is perhaps the most tactical module in the entire course. Grant introduces his famous concept of “Millionaire Math.” Most people never become millionaires because they don’t do the math. They think a million dollars is an impossible, vague sum. This module breaks it down. You will calculate exactly how much money you need to generate daily, monthly, and yearly to hit the million-dollar mark. It simplifies the process, showing you that a million dollars isn’t about hitting the lottery; it’s about hitting specific, smaller targets consistently. You will learn that you don’t need one massive paycheck, but rather multiple streams of income that add up.
- Breaking down your million-dollar goal into daily targets.
- Understanding the role of multiple income streams.
- How to reverse-engineer your financial freedom.
Module 3: The Great Money Myth
Module 3 tackles the lies we’ve been told about money. Grant debunks myths like “money is the root of all evil” or “rich people are greedy.” He emphasizes that money is a tool for freedom and a way to expand your life and help others. By clearing up these false beliefs, you remove the subconscious guilt that often stops people from pursuing wealth. This module is about cleaning up your mental hard drive. If you have negative associations with money, you will sabotage your own success. Here, you learn to embrace money as a positive force and a necessity for a fully expanded life.
- Identifying your limiting beliefs about money.
- Reframing wealth as a positive tool.
- Overcoming the guilt associated with making money.
Module 4: Who’s Got Your Money?
In this eye-opening session, the focus shifts to where your money is currently going. Most people bleed money without realizing it. Grant teaches you how to audit your finances to see exactly who is getting rich off your hard work. Is it the bank, the landlord, the credit card company, or the government? Once you identify where the leaks are, you can plug them and redirect that cash flow back into your pocket. This module isn’t just about cutting coupons; it’s about taking aggressive control of your outflows. It’s about stopping the transfer of your wealth to others and keeping it for yourself to invest.
- Conducting a financial audit.
- Identifying “wealth vampires” in your life.
- Strategies to plug financial leaks immediately.
Module 5: The Secret to Increasing Income
Grant Cardone is famous for saying, “You can’t save your way to millionaire status.” This module is all about the top line—your income. You cannot cut your way to wealth; you have to earn your way there. He dives into strategies to increase your income, whether that means asking for a raise, closing more sales, or starting a side hustle. He provides specific scripts and tactics for negotiating your value. The focus here is on becoming indispensable to the marketplace. You will learn that income is a reflection of your usefulness to society, and the more you solve problems, the more you get paid.
- Strategies to negotiate a higher salary.
- Increasing sales and closing ratios.
- Creating a side hustle that scales.
Module 6: Stay Broke
This sounds counterintuitive, but “Stay Broke” is one of Grant’s core philosophies. This module explains that once you start making money, you shouldn’t spend it on depreciating assets like cars, boats, and luxury clothes. Instead, you should stay “broke” on paper by pouring every excess dollar back into investments. It teaches the discipline of delayed gratification. You learn to live modestly relative to your income so that your capital can grow. This is how the rich get richer—they don’t consume their wealth; they reinvest it. It’s a lesson in lifestyle management that is critical for long-term wealth accumulation.
- The difference between being rich and being wealthy.
- How to reinvest profits for compound growth.
- Avoiding lifestyle inflation.
Module 7: The 10X Rule Applied
Here, the course integrates Grant’s overarching philosophy: The 10X Rule. This principle states that you should set targets ten times higher than you think you want, and take actions ten times greater than you think are necessary to get there. Applied to finances, this means aiming for $10 million instead of $1 million. It sounds crazy, but aiming for a higher number forces you to think bigger and take different actions. This module pushes you out of your comfort zone. It teaches you that the actions required to make a million are the same actions required to make ten million, just executed on a larger scale.
- Setting massive, seemingly impossible goals.
- Taking massive action to match your targets.
- Overcoming the fear of thinking big.
Module 8: Flipping the Money Switch
Module 8 is about the transition from working for money to having money work for you. This is where we start talking about investing in assets that produce cash flow. Grant explains the difference between earned income and passive income. He dives into why you need to move away from trading time for dollars. This module covers the basics of acquiring income-producing assets, such as real estate or businesses. It’s about building a machine that prints money while you sleep. You will learn how to identify opportunities that others miss and how to structure deals to your advantage.
- The difference between earned and passive income.
- Introduction to cash-flowing assets.
- How to stop trading time for money.
Module 9: Building an Empire
Once you have the basics of wealth creation, it’s time to scale. In this module, Grant discusses how to build an empire. This involves team building, leadership, and leveraging other people’s time (OPT) and money (OPM). You can’t do it all yourself if you want to reach the highest levels of wealth. He teaches you how to surround yourself with the right people and how to lead them effectively. This section transitions you from being a high-income earner to a business owner and investor. It’s about playing the game of money at a macro level.
- The importance of building a strong team.
- Leveraging OPM and OPT for growth.
- Leadership skills for wealth builders.
Module 10: The Millionaire Plan
The final module brings everything together into a concrete action plan. You have learned the math, the mindset, the income strategies, and the investment principles. Now, Grant walks you through creating your personalized roadmap. He helps you set your specific timeline and benchmarks. This is about execution. It’s easy to consume content; it’s hard to do the work. This module ensures you leave the course with a step-by-step plan for the next 6 to 12 months. It’s designed to get you taking immediate action toward your first million.
- Creating a 12-month action plan.
- Setting short-term and long-term benchmarks.
- Committing to execution and accountability.
Real-World Applications and Success Stories
The principles taught in Grant Cardone – How to Become a Millionaire are not just theory; they are applied daily by successful entrepreneurs and investors worldwide. One of the most powerful real-world applications is the concept of “Millionaire Math.” Students often report that once they break down their financial goal into smaller, daily income targets, the fear of the “million dollar” number disappears. They realize that by selling a certain number of products, acquiring a certain number of rental units, or closing a specific number of deals, the math actually works. This shift leads to immediate changes in sales strategies and job negotiations, as individuals realize they are underperforming relative to their goals.
Success stories from the Cardone University community frequently highlight the “Stay Broke” philosophy. One student, a young sales executive, used to spend every bonus he received on cars and vacations. After taking this course, he directed 100% of his bonuses into a down payment for a multi-family property. Within two years, the cash flow from that property replaced his monthly car payment and contributed to his savings. Another student used the income negotiation tactics to double her salary in 18 months, providing her with the capital to start her own e-commerce business. These stories prove that when you stop consuming wealth and start redirecting it, your financial trajectory changes almost instantly.
Pricing
When evaluating a course of this magnitude, price is always a consideration. Grant Cardone – How to Become a Millionaire is positioned as a high-ticket item because it promises a high-value return. The course is often valued significantly higher, but it is periodically offered at a substantial discount to make it accessible to those serious about changing their financial future.
- One-Time Payment: Secure lifetime access to the entire “How to Become a Millionaire” course, including all modules and future updates, with a single investment. This grants you unlimited access to the material so you can re-watch and re-learn as often as needed.
This pricing model ensures that once you are in, you are in for good. There are no monthly subscription fees to worry about. Given that the course teaches you how to make millions, the return on investment for this course has the potential to be exponential if you apply even a fraction of the strategies taught.
Pros and Cons
Pros
- Action-Oriented Content: The course moves beyond theory and provides actionable steps you can take immediately to improve your finances.
- Millionaire Math Concept: This framework alone is worth the price, as it simplifies the complex goal of wealth into manageable numbers.
- High Energy and Motivation: Grant’s teaching style is infectious and keeps you engaged, pushing you to take action.
- Focus on Income Over Saving: It correctly identifies that you cannot save your way to wealth and prioritizes income generation.
- Lifetime Access: A one-time payment gives you permanent access to the materials and any updates.
- Mindset Shift: It effectively addresses the psychological barriers that prevent most people from becoming wealthy.
Cons
- Aggressive Style: Grant’s “in your face” style might be off-putting to individuals who prefer a softer, more conservative approach to finance.
- Lack of Technical Detail: While it covers strategies, it doesn’t deep dive into the technical nitty-gritty of things like specific stock analysis or legal real estate structures.
- High Cost Barrier: For someone already in financial trouble, the price tag might be a stretch, although Grant argues you can’t afford not to buy it.
- Upsells: As with many Cardone products, there are frequent mentions of other, more expensive programs like Cardone University or 10X Events.
- Not a “Get Rich Quick” Scheme: Despite the hype, it requires real work and discipline, which might disappoint those looking for a magic button.
- Focus on Real Estate/Sales: The strategies are heavily skewed toward these two industries, which might not apply to everyone’s career path.
FAQs
Is this course suitable for beginners with no money?
Yes, the course is designed to help you regardless of your starting point. However, it emphasizes that you must focus on increasing your income first, which requires effort and hustle, especially if you have zero capital to start investing.
How long does it take to complete the course?
The video content is about 10+ hours long. However, because the course involves applying concepts to your own financial life, it is designed to be consumed over a few weeks or even months to allow time for implementation.
Does this course teach me how to invest in real estate?
It covers the philosophy and strategy of real estate investing and how to use it to build wealth, but it does not serve as a technical “how-to” on buying your first property (e.g., contracts, inspections).
Is there a money-back guarantee?
Typically, Grant Cardone’s products come with a satisfaction guarantee, but the specific terms (usually 30 days) depend on the current offer at the time of purchase on the website.
What is the difference between this course and Cardone University?
Cardone University is a massive, all-encompassing platform covering sales, marketing, and cold calling in depth. “How to Become a Millionaire” is a specific, focused course on the general wealth building and financial strategy aspect.
Do I need to be in sales to benefit from this?
No. While sales is a great way to create income, the principles of Millionaire Math, saving correctly, and investing apply to anyone regardless of their profession.
Final Verdict
After spending significant time reviewing the content and structure of Grant Cardone – How to Become a Millionaire, it is clear that this is a standout program in the crowded space of financial education. It doesn’t just tell you to “save money” and “avoid lattes.” It tells you the harsh truth that you need to make more money, keep more of it, and multiply it aggressively. The course is particularly strong because of the “Millionaire Math” module, which removes the abstraction from wealth building. It makes the goal tangible. If you are tired of generic advice that gets you nowhere, Grant’s direct, no-nonsense style will be a breath of fresh air.
However, this course is not for the faint of heart or those looking for a passive solution. It demands that you take responsibility for your financial situation and take massive action to change it. If you are willing to do the work, the ROI on this education can be life-changing. It is an investment in your financial education that pays dividends for years to come. Whether you are an employee wanting to level up or an entrepreneur trying to scale, the strategies found here are applicable. I highly recommend this course for anyone who is serious about leaving the middle class behind and securing their financial future.
