Gardner Rich & Co

Gardner was born in Milwaukee, Wisconsin, on February 9, 1954, to Bettye Jean Gardner and Thomas Turner. He was the second child born to Bettye Jean. His older half-sister, Ophelia, is from a previous union. His younger sisters, Sharon and Kimberly, are children from his mother's marriage to Freddie Triplett.

Gardner did not have many positive male role models as a child, as his father was living in Louisiana during his birth, and his stepfather was physically abusive to both his mother and his sisters. Triplett's fits of rage made both Gardner and his sisters constantly afraid. In one incident, Bettye Jean was imprisoned when Triplett falsely reported her to the authorities for welfare fraud; the children were placed in foster care. When Gardner was eight years old, he and his sisters returned to foster care for the second time when their mother, unbeknownst to them, was convicted of trying to kill Triplett by burning down the house while he was inside.

While in foster care, Gardner first became acquainted with his three maternal uncles: Archibald, Willie, and Henry. Of the three, Henry had the most profound influence on him, entering Gardner's world at a time when he most needed a positive father figure. However, Henry drowned in the Mississippi River when Chris was nine years old. The children learned that their mother had been imprisoned when she arrived at Henry's funeral escorted by a prison guard.

Despite both her very unhappy marriage and her periods of absence, Bettye Jean was a positive source of inspiration and strength to her son Chris. She encouraged Gardner to believe in himself and sowed the seeds of self-reliance in him. Gardner quotes her as saying, "You can only depend on yourself. The cavalry ain't coming." Gardner also determined from his early experiences that alcoholism, domestic abuse, child abuse, illiteracy, fear, and powerlessness were all things he wanted to avoid in the future.