Bernice Smith was born in Cincinnati, Ohio, on July 27, 1934. She married Ivan Jaeger in 1955. He and his family were involved in the underground gaming industry in the Midwest. When it shut down in 1961, they moved to Las Vegas where Ivan worked first as a dealer and later in various executive gaming positions. Bernice was one of the fist students to attend Clark County Community College (later Community College of Southern Nevada) when it was founded in 1971. She earned a liberal arts degree in 1973 and a degree in hotel administration in 1974.

Born as one of four children in Manila, Philippines, Minddie and her siblings were raised by their paternal grandmother and her sisters (the Three Lolas) in the Philippines when her parents took jobs in New Jersey. After the children joined their parents, the family moved to California, where Minddie suffered abuse and subsequently lived in several foster homes and a girls' home, Olive Crest. It was through Olive Crest that Minddie met her mentors, Bruce Layne, Roy Woofter, and Thalia Dondero and came to Las Vegas in 1995, where she worked with the airlines.