In this episode, we sit down with Mike Milligan, CFP®, author, and founder of One Oak Financial — a nationwide planning firm based out of Norfolk, Virginia. Mike shares how he built his $3.9 million net worth through a combination of real estate, private placement deals, his financial planning firm, and strategic Roth IRA conversion planning — all while now living part-time as a Puerto Rico resident to optimize his tax strategy.

Mike goes deep into the misunderstood world of Roths, explains how to think about taxes over your entire lifetime (not just this year), and reveals why so many wealthy people quietly invest outside the public markets. He also shares his perspective on life design — from traveling to 60+ countries, to eating Michelin-star meals, to buying $1,300 Louis Vuitton sneakers while still rocking $30 Wrangler jeans.

Before becoming a CFP… Mike delivered pizzas at Little Caesars in college. Now he's appearing on CNBC and Fox Business — and helping people build one-of-a-kind financial plans for one-of-a-kind lives.

This episode blends tactical tax strategy, lifestyle design, and a philosophy for actually using your money while you're alive.

• Mike's net worth is $3.9 million, with more than one-third in real estate

• He believes the Roth is the most flexible, durable tax tool available

• He uses Puerto Rico residency to convert at lower tax brackets

• Wealth is built fastest via business and private deals, not just public markets

• He automates investments and keeps cash to buy assets "on sale"

• Money is a tool to create experiences, not the end goal

• Travel is one of his core pillars — he's visited 63+ countries

• He values independence + creativity over corporate systems

• Childhood lesson: count every penny

• Best career hack: learn from people already living the life you want

• "I delivered pizzas."

• "I wear Wrangler jeans and Louis Vuitton shoes."

• "A Roth is just a tax strategy — the investments are unlimited."

• "We want to spend our money, not just accumulate it."

• "Most CPAs plan taxes for this year — not your lifetime."

In this episode of Millionaires Unveiled, we sit down with Blake, a machinist who quietly built a net worth between $1.2 and $1.3 million — all while never earning more than $75,000 a year. (He's now married with 2 kids and his wife is a Pharmascist). Blake breaks down his financial journey, from paying off over $200,000 in student loans from his wife's degree to investing steadily in his 401(k) and building a foundation of long-term wealth. Blake is in his mid to late 30's and started working as a machinist as a teenager and never went to college.

He opens up about life in the machining trade, how early financial lessons shaped his habits, and the power of discipline, budgeting, and consistency. Blake shares his approach to debt payoff, retirement planning, and enjoying life while staying financially responsible. His story is proof that you don't need a six-figure salary to become a millionaire — just focus, time, and a solid plan.

• Blake's current net worth is $1.2–$1.3 million.

• The majority of his wealth is in retirement accounts.

• He and his wife paid off $200K in student loans before investing.

• Began investing in his 401(k) at age 21.

• Plans to retire between ages 50–55.

• They maintain a strong budget and savings routine.

• Their goal: $1–$2 million in a brokerage account by retirement.

• Compound interest and financial education are key drivers of success.

• Blake encourages young people to work hard, save early, and stay consistent.

• "I never made over 75 grand."

• "Budgeting is key."

• "I married up, definitely."

In this episode of Millionaires Unveiled, we sit down with Sam, who went from earning a modest income as an engineer to building a net worth of nearly $14 million. Sam shares how discipline, smart investing, and intentional time management helped him retire at age 56 with $3 million, and how that has since grown to $13.9 million through consistent, long-term strategies.

He opens up about his approach to ETFs, real estate, and retirement accounts, and why avoiding debt and keeping overhead low were crucial to his success. Sam also discusses the mindset shifts that propelled him forward — from staying grounded in gratitude to surrounding himself with positive influences. Throughout the conversation, he offers practical, no-nonsense advice for anyone looking to achieve financial independence and live life on their own terms.

• Sam retired at 56 with $3 million, which has now grown to $13.9 million.

• His investments focus on long-term ETF holdings and real estate.

• Maximizing retirement contributions played a major role in his wealth-building.

• He stresses the importance of keeping expenses low and avoiding debt.

• Mindset and positive influences are crucial for sustained success.

• Always have a Plan B for your business and investments.

• Avoid frivolous spending — focus on needs, not wants.

• Time management is a major factor in reaching financial goals.

• Early life experiences shaped his work ethic and financial discipline.

• Encourages young people to read, learn, and invest early.

• "Stay away from the toys."

• "You have to have a plan B."

• "Time management is key to success."