Margaret 'Maggie' F. Hardy is an American businesswoman, the self-made billionaire Owner and CEO of 84 Lumber Company, the largest privately held building materials supplier in the U.S., and Nemacolin (luxury resorts). Her wealth is generational, tied to the empire founded by her father, Joseph Hardy Sr. (d. 2023), in 1956.

Hardy's career is defined by generational stewardship and executive leadership in the high-capital construction and hospitality sectors. She joined 84 Lumber in 1987 after graduating from West Virginia University and worked her way through the ranks, starting as a sales representative. Her structural contribution is tied to restructuring the company and pioneering the luxury resort model.

• 84 Lumber Company (Owner & CEO): The core private asset, the largest privately held building materials supplier in the U.S. (with over 310 locations).
• Nemacolin (Owner): The five-star luxury resort in Farmington, Pennsylvania.
• Corporate Turnaround: She was instrumental in saving 84 Lumber from near bankruptcy during the housing crisis of 2008.
• Family Governance: She is the sole owner of the company after her father's passing.

Maggie Hardy's strategic genius was her commitment to operational efficiency and vertical integration. She was named President of 84 Lumber in 1992 and CEO in 1994. Her most structural contribution was navigating the 2008 housing crisis, where she ruthlessly cut unprofitable stores and jobs, saving the company from near bankruptcy (a major corporate turnaround).

She simultaneously built Nemacolin (the luxury resort), which became a globally recognized destination (receiving the Forbes Five-Star Award). Her wealth is secured by the colossal, long-term, stable profitability of the essential construction materials and luxury hospitality sectors.