Chris Gaffney grew up in Arizona, where he learned to play the accordion as a young child. The instrument would later influence the performer's mix of norteño with country and rock & roll. Gaffney eventually mastered guitar as well and spent his teen years gigging in cover and house bands. In 1977, he formed a partnership with keyboardist Wyman Reese, who also produced Gaffney's initial solo efforts. Road to Indio appeared in 1986; it featured 1950s rock, soul, and dusty Bakersfield honky tonk. Chris Gaffney & the Cold Hard Facts followed in 1990, and delved into Gaffney's Hispanic heritage. His third solo effort, Mi Vida Loca, was issued in 1992. Loser's Paradise appeared in 2003. The album was produced by blue-collar stalwart Dave Alvin and featured contributions from Lucinda Williams and Jim Lauderdale.