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True story · Milwaukee to Chicago, USA

Chris Gardner: homeless with his son in San Francisco — and the firm he founded with $10,000

He went through foster care as a boy, spent ten days in jail over parking tickets, and spent nearly a year homeless with his toddler while training, unpaid, to become a stockbroker. Then he built a firm of his own.

Born: 1954, MilwaukeeHomeless with son: Nearly a yearFirm founded: 1987 · $10,000Memoir: 2006

Nobody saw the nights in the BART station. Everyone saw the results. Do the unseen work.

By Marciano · Updated October 11, 2026 · Contains affiliate links (disclosure)

Chris Gardner, entrepreneur and author of The Pursuit of Happyness
Chris Gardner, whose memoir became the film The Pursuit of Happyness. Photo: dbking · CC BY 2.0, via Wikimedia Commons

People who buy a course like the Product Launch Formula are often in a hard season: a job that ended, money that’s tight, a family depending on them. If that’s you, the next story isn’t about a lucky break. It’s about a father who did the unpaid, unseen work — with a toddler on his hip — until it paid off.

You might know a version of it from the 2006 film The Pursuit of Happyness, starring Will Smith. The real Chris Gardner’s life was, in some ways, harder than the movie.

Chapter 1

Chris Gardner’s childhood: violence, foster care and loss

Christopher Paul Gardner was born on February 9, 1954, in Milwaukee, Wisconsin. He grew up without his biological father. His stepfather, Freddie Triplett, was physically abusive to Chris’s mother and sisters.

His mother was jailed after Triplett falsely reported her for welfare fraud, and the children went into foster care. When Chris was eight, they were placed in foster care again after his mother was convicted of trying to burn down the house while Triplett was inside. When he was nine, his Uncle Henry — one of the few steady male figures in his life — drowned in the Mississippi River.

Gardner has said that growing up without his father made him determined to be present for his own children — a promise that would be tested in the hardest way.

Chapter 2

Chris Gardner’s Navy years, a laboratory and a hard decision

After high school he enlisted in the U.S. Navy and served four years as a hospital corpsman at Camp Lejeune, North Carolina. After his discharge in 1974, he moved to San Francisco to work with a cardiac surgeon, Dr. Robert Ellis. By 1976 he was running a laboratory.

He had planned to become a doctor. A few days before his 26th birthday, he told his wife he was giving that up. The path was too long and paid too little for the life he wanted to build.

He became a medical equipment salesman instead — earning roughly $300 to $400 a month in the early 1980s.

Chapter 3

The red Ferrari question that changed Chris Gardner’s life

One day, on a sales call at San Francisco General Hospital, Gardner saw a man parking a red Ferrari. He walked up and asked him two questions: what did he do, and how did he do it?

The man was Bob Bridges, a stockbroker. That conversation set Gardner’s direction. He decided to become a stockbroker — with no college degree, no connections and no money.

He didn’t envy the Ferrari. He asked how it was built. That question is the beginning of every career change.
Chapter 4

Chris Gardner’s ten days in jail and an unpaid internship

The first door closed immediately. Gardner was accepted into a training program at E.F. Hutton — but the manager who hired him was fired the week before he started, and the job vanished.

Then, after a domestic dispute, he was jailed for ten days because he couldn’t pay $1,200 in old parking tickets. He came out and kept going.

He was accepted into the training program at Dean Witter Reynolds. It paid no salary.

Chapter 5

Chris Gardner: nearly a year homeless with his son

His son, Christopher Jr., was born on January 28, 1981. When his relationship with the boy’s mother broke down, Chris ended up caring for his son on his own. And while he was training without pay, father and toddler became homeless.

For nearly a year they lived on the streets of San Francisco’s Tenderloin district. According to his biography they slept:

  • in his office after hours,
  • in flophouses and cheap motels,
  • in parks and at airports,
  • on public transport,
  • and in a locked bathroom at a BART (subway) station.

Reverend Cecil Williams of Glide Memorial United Methodist Church allowed them to stay at the church’s shelter for homeless women — an exception made for a father and his little boy.

Every morning Gardner went back to work in a suit, made his calls and studied. Nobody at the office saw the nights.

He kept his promise: his son was never left behind. Not even when they had nowhere to go.
Chapter 6

From Series 7 to Gardner Rich & Co

In 1982 Gardner passed the Series 7 licensing exam on his first attempt and became a full employee of Dean Witter Reynolds. Later he was recruited by Bear Stearns & Co.

In 1987 he took the biggest risk of all: he founded his own firm, Gardner Rich & Co, in Chicago — with $10,000 in start-up capital, run at first from his apartment. In 2006 he sold a minority stake in the firm in a multimillion-dollar deal. That same year his memoir, The Pursuit of Happyness, was published, and the film based on it grossed more than $300 million worldwide.

What Chris Gardner’s story teaches about launching a product

Chris Gardner lesson 1: do the unseen work

The world saw a successful stockbroker. It didn’t see the bathroom floor. Launches are the same. People see the “launch week” — the videos, the open cart, the sales. They don’t see the weeks of list building, survey answers, scripts rewritten at night. Jeff Walker’s Product Launch Formula is, in large part, a method for organizing that unseen work so that it adds up.

Chris Gardner lesson 2: ask “how did you do it?”

Gardner’s career began with a question to a stranger. In a launch, your market’s questions are the raw material for everything. PLF starts with listening — surveys and conversations in the “pre-prelaunch” — so your content answers what people actually want to know.

Chris Gardner lesson 3: start with what you have

Gardner Rich started with $10,000 and an apartment. Your first launch may start with a small list, a simple offer and a laptop. That’s a Seed Launch — and it’s how many launchers began.

Chris Gardner lesson 4: be honest about the money

If you’re in a tight financial season, take Gardner’s discipline seriously. Don’t spend money you need for rent on any course — including Product Launch Formula. Start with the free class, the book or the podcast. Our Product Launch Formula price guide shows every free and paid option side by side.

The night Chris Gardner could have quit

There were many: the canceled job at E.F. Hutton, the ten days in jail, every night in the BART bathroom. Any of them would have justified walking away from an unpaid training program to take any job at all. He didn’t, because he had decided where he was going.

Chris Gardner has no connection to Jeff Walker, Product Launch Formula or PLF Reviews. We share his documented story for its lesson. If it gave you a little more fuel today, use it on one small step: register free for this week’s Launch Masterclass.

References: where this story is documented

Every fact in this story was checked against the sources below. Quotes are short and attributed; dates and figures follow these references.

  1. Chris Gardner — Wikipedia (childhood, Navy, Dean Witter, homelessness, Gardner Rich)
  2. Gardner, Christopher Paul (1954– ) — BlackPast.org
  3. Chris Gardner: The man who dared to pursue happiness — The Guardian Nigeria
  4. Dean Witter Reynolds — Wikipedia
Marciano, editor of PLF Reviews
Written and reviewed by Marciano, editor of PLF Reviews

Marciano reviews Jeff Walker's public training, the book Launch and the official program pages, and keeps these guides updated. PLF Reviews is an independent affiliate site — not Jeff Walker or Internet Alchemy, Inc. How we review · Affiliate disclosure

Last updated October 11, 2026

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Questions & answers

Chris Gardner story FAQ

The 2006 film starring Will Smith is based on Chris Gardner's memoir of the same name. Hollywood compressed and changed some details, but the core — homelessness with his young son while in an unpaid stockbroker training program — is documented.

According to his biography, he and his son slept in his office after hours, in flophouses and motels, in parks, at airports, on public transport and in a locked bathroom at a BART station. Reverend Cecil Williams let them stay at the Glide Memorial church shelter.

In 1987 he founded Gardner Rich & Co in Chicago with $10,000 in start-up capital, working from his apartment. In 2006 he sold a minority stake in a multimillion-dollar deal.

On a sales call he met a man driving a red Ferrari, stockbroker Bob Bridges, and asked him what he did. That conversation set his new direction.

No. Chris Gardner has no connection to Jeff Walker, Product Launch Formula or PLF Reviews. We tell his story for its lesson about persistence and doing unseen work.

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