HOW SHE BECAME A MILLENNIAL MILLIONAIRE?

HOW SHE BECAME A MILLENNIAL MILLIONAIRE?
In this video we have Liezel Papa again back in the blog!
In this video, she would share her journey on how she became a millennial millionaire!
What where the steps she took?
How she invested, how she saved money, how she budgeted what she had and the risks that she took in order for her to make a lot of money at a very young age.
What’s also interesting too note is that she is very good in saving her money! She saves 80% of her income!
Enjoy the video!
#StockSmarts #PersonalFinance #HowToBeRich
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[@iheartkorea]

How she became a millionaire: 1. Matalino- CPA. 2. Goal-oriented and disciplined. She plans well and honors her timetable. 3. Hindi Maluho. Ni hindi bumibili sa mall, sa Taytay lang. 4. Started Early. 5. Worked abroad for several years (2013-2016 if tama ako sa pagkakaalala est age: 21-24). She's earning a lot and in Dollar tapos she's living with her parents doon (walang rent, bills, etc) Sweldo nya is all hers. 6. May Stock Investment habang nasa US sya. Galing. Di pwede padalos dalos sa stocks so this means napagaralan nia na mabuti bago nag invest. (Wala talagang mayaman na tamad unless old money sila but for those who might find this as an excuse, karamihan ng millionaire is self-made so hindi impossible. Magbanat tayo ng buto, mag sakripisyo, at ibuhos ang oras sa mga goals natin sa buhay :) ) 7. Paguwi sa Pinas, lalong nagsipag kahit marami na syang naipong pera and investment. Bumili pa ng property at nag put up ng business. At the age of 31, sigurado di lang isang milyon meron si ate else di sya dito mafe-feature. Goal nia na 30 million at the age of 40-45 y/o ay di malayo. **Let's all use this time na naka quarantine na gumawa ng 10-year plan. It is a must na meron tayong multiple streams of income :)

[@liezelpapa6634]

Guinevere O'Riley wow thank you!!☺️

[@anndeguzman4993]

salamat po!

[@stocksmarts_]

Thanks for this detailed analysis!

[@ynella0110]

discipline at masipag

[@victoriaprincess2772]

@@stocksmarts_ hello po sir. i wanna buy on stocks market, but i dont how to start po.

[@jannelserrano9394]

the more you save the less you crave to buy stuff

[@erakelly]

I would like to comment on what she said about cravings to spend na it get lesser the moment you start to save money, and you can see that your saving it actually accumulating through investments. It gets more addictive to save than to spend on unimportant things like bags, shoes etc.. I'm also trying to achieve what she's achieved. Thanks to you sir Marvin and all your guests, I just stumble on your channeand now a follower, because I was looking for more motivation, that I'm actually doing the right thing, and what else I can do.. Please dont ever stop doing videos. It is really inspiring. More power

[@firegaming-iu1ke]

Me too, I always inspired 😊

[@georgechua9452]

I want Michelle

[@noriesuarez9575]

Ang galing nyo dalawa sa discussion ,napaka informative,inspired hanga ako ,galing din ni liezel sir germo,ofw ako gusto ko na din mag stop talaga sa work ko d2 as a seaman

[@riazami88]

Kung pede lang 80% din kaya lng pagmy family ka, other responsibility or breadwinner ka di mo machieve agad agad.. but yes its never enough to stop madami pa ding ways na nakadepende pa din sa situation..tiwala lng❤🙏

[@TSALN]

I want her back for topic on “how to budget?” What do you use to budget? Pen and paper, computer, notebook or envelope?What categories do you use to budgeting?

[@liezelpapa6634]

Hi! Thanks for your feedback! I use excel for budgeting, but notebook and pen should be okay also depending on your preference. :)

[@frugalinay4494]

I have a video on envelope system if you want to check it out, I hope it helps. kzbin.info/www/bejne/nYTak52Jd9SWatU

[@martieaddy]

Very inspiring experience & informative. I am impressed how she quickly follow her planned timeline....ang galing. I agree that once you start savings/investments it will become a habit and just a natural occurrence. Shopping & going out is not satisfying anymore...

[@pamelainprint5479]

I want Lizel back! And more pa po na millenials who are self made

[@michaelangelocardenas5677]

For me 50% of my salary going to my Parent for my utilities. But I can still have saving. But not to much. This so much interesting.

[@liezlederes5297]

Katukayo. One day, I will achieve it too. Thank you for inspiring everyone. As a part of Gen Z, this video is really a big help. 💯❤️

[@adamleitmanbaileyp.c.1133]

So inspiring, she really made her dreams a reality. Great interview

[@leifmk7543]

She's very lucky na halos sa kanya lang ang sweldo nya. At her age 21-24 she's still living with her parents at talagang makakaipon nga ng malaki.

[@chanella9329]

Me I learned na to save...once n mkuha ko salary minus 95.% savings... In 4 months I save 90k only working 4 hrs a day and 4xa week works. ☺🤗

[@deantan4080]

90k USD ang average sweldo sa DC area for accountant -- about 4.5m pesos. Dito 4.5m pesos, sweldo na ng isang GM / CFO sa medium sized firm na palagi stressed. Please tell us why you wanted to move sa Pinas. For me, dream ko talaga maka-alis. Kahit mahal ko ang Pinas, hindi talaga ako kikita dito sa lifestyle / work balance na gusto ko. Hope to hear from you soon ma'am.

[@deantan4080]

Ah nakit ko na. Family values and opportunities. Ganon po ba kasama ang tao dun? Or depende sa neighborhood? Please tell me

[@ralflopez864]

Kaya nga na kakacuriouse since nandoon na sya sa u.s since high school so she propably got used to it

[@deantan4080]

@@ralflopez864 kaya nga eh. Sayang citizenship. Ako, gustong gusto ko mag abroad.

[@liezelpapa6634]

Hi Dean, thanks for your feedback! Yes, family values and for more opportunities are some of the reasons why I would rather stay in Manila. Another reason also is for me to take up grad school without having to incur student loan. I personally think that it would be easier to start a life without debt, but that's almost impossible to do in the US. Hence, I decided to attend college and grad school in Manila.

[@CrisTVofficiall]

di ka kc basta2x mgka business dun ...worker k lng dun...pg worker k lng yun lng money salary...eh gusto nya expand ang money world i mean business world....sa business k yayaman kc unlimited ang kita it depends how you work ur business...aside pa malaki sahod mahal din cost of living dun

[@ynella0110]

ang galing..she's disciplined and smart.

[@stocksmarts_]

Push. Watch this banking stock picks - kzbin.info/www/bejne/nqebmYuQfsmsas0 and property stock picks - kzbin.info/www/bejne/qau3XqeYpLFjbdE

[@micahpasion7871]

I do have the same mindset like Ms. Liezel but i feel that opportunity is still not knocking on me. I'm 22 and I just started my career this year as a civil engineer and yeah i just thought i can get higher salary even i'm a licensed engineer but what i am earning today is just exact to what we literally need since i am the bread winner in our family. It was my plan to work abroad to save money for my goals and for my family but this pandemic just happened. It was out of my control and i really need to think of what next step should i engage with so i can be in line towards my goal again. Indeed, this video helps me a lot and i wish i can be like her someday. Living the life she want it to be. Thank you Sir Marvin 😊 I've been watching a lot of your videos. I hope i can meet you someday when i got the chance to attend to one of your seminar. Keep inspiring people. Godbless 😇

[@stocksmarts_]

Wow push!!!!

[@melchizedekmejala233]

Wow inspiring story kay Ate Lizel, talagang nakaka-inspire...may naipon na....sana mga Millennial ganon marunong magsave....Mabuhay ka Lizel, at maganda pa....

[@GMvlogs_21]

Watched this ng mga 10 times na cguro 😄 since it was uploaded, inuulit ulit ko siya talaga kasi so inspiring. Thank you Leizel and thanks for the video Marvin. More contents like this please. -OFW subscriber here 😊

[@thehungryexpat2528]

I can relate here Sir Marvin, I worked in Singapore, but I tried to spend 50 sgd a week for foods and transportation and put my money in the savings higher then 50 percent from my salary. Living here in Singapore so expensive but good thing I know how to cook which help me to save more compare buying in the resto or food court.

[@rolds3389]

Thanks for sharing your story. I learned a lot from you as an OFW myself. You made me realize that I can save more than how much i saved with my salary income. I also have plans of settling down in the Philippines and your story is of big help for my future plans. God bless you.

[@kurtnathanielgalvez4326]

this is only possible if you are a high income wager. but if you are just average earner that 80% is not possible

[@ralflopez864]

Yup. Just becuase youre not a high income wager it doesn't mean you wont be able to save a high percentage of your income in the future. It should push you to build several streams of income so that you can have more money to save

[@tonybahamas12345]

Saving people's lives ang importante ngayon. Masarap isipin na pwedeng e take advantage ang crisis na to para mag invest pero hindi kaya ng budhi ko. Bibili ko ng bigas ang naipon ko at tutulungan ko ang naghihirap na mga tao..that's me at opinion ko lang yun at walang halong hatred...I love you all Filipino..peace!

[@GMvlogs_21]

Thank you for this video. It's very inspiring. I'm an OFW myself with a dream to one day go home and settle in the Philippines (while I'm young), videos like these help me to really believe that it is possible. Maraming salamat Liezel... Thank you for your video uploads as well sir Marvin. Sobrang natututo ako. God bless!

[@marivicgonzales4784]

Nakaka encouraged to. Thank u for this inspiration

[@MoneyExperimentPH]

I can relate a lot about saving and investing. Love her mindset setting goals and achieving. Thank you for tips :)

[@stocksmarts_]

Nice!!!

[@dmerchantprince2506]

Job well done! Discipline is the key 🔑👌🏻

[@wanderwoman9528]

My fave interviewee so far ❤️❤️❤️❤️

[@stocksmarts_]

Wow

[@Icanteachnow]

Saving and investing is okay, but if we focus ourselves too much on these things without helping others during the Covid-19 health crisis, everything will be useless. I hope the wealthy people in our society will help others to survive during the crisis. God is the provider, and he can take it all away instantly no matter who you are.

[@markanthonypolinar1714]

they are helping naman po, yet some of them did not disclose it to the public.

[@gracy901]

This is very interesting. I started investing in stocks way back second quarter of 2017. But I withdrew my investment last year because I saw a good investment which is sangla tira so I won’t pay for my monthly rent. Papasok ako ulet, a bit late but definitely not too late. Actually nakapasok na ako yesterday. Lol. That’s good thing about saving 50 to 60 percent of your salary. Btw, we’re not well off, so that’s not an excuse to not saving. Unlike her, in metro manila I am living alone so I had to pay all my expenses. I sent my brother to college and he is on his 5th year now. Hopefully graduating soon. I was renting my own place a year ago, plus bills and all. Discipline lang talaga ang kelangan. I still want to travel and buy things that I want so I did an online buy and sell business that could fund my travels and other luho. Mahirap lang sa simula but gaya nung sinabi ni Liezel, once nakapagstart kana mag save, the cravings are lesser and seeing your money grow mas lalo kang gaganahan mag save. This so perfect for those na gustong magstart.

[@stocksmarts_]

Nice!

[@stocksmarts_]

Can i interview you?

[@gracy901]

Marvin Germo OMG! but yes :)

[@stocksmarts_]

Pm me on ig

[@marivicgonzales4784]

"mindset" word of that stuck in my mind. 👀 Therefore I conclude Everything starts with ur mindset then work on it. True enough.

[@nasrennmangotara7278]

I want lezeil back. How she's do the budget system?

[@LadyVarkudaVlog]

Very inspiring story that might get some ideas at young Age:) thank you po for this Video sir

[@frugalinay4494]

My plan is to take home to the Philippines everything my kids enjoyed here with regards to my son's Autism, I want to enrich the lives of kids/ young adults with special needs in our home town at least. I hope other special needs families will do the same for a better Philippines.

[@flcmfriendshipontv6355]

Thanks for inspiring us as new Vlogers. Keep up and God bless.

[@jeremiasdegracia1140]

Dami kong natutunan 😇😇😇idol ko na tuloy c Mam😊😅😅

[@mae25jack82]

I am inspired with the story you have ma'am.. and the humility you are showing.. God bless you more and of course to sir Marvin..

[@newbietrdr245]

Thanks for another inspiring budget story sir marvin God bless and take care s pinas

[@lanniearmstrong8141]

Oh wow! She lived in Maryland, too.

[@dignacasuga6057]

Ona important aspect of investment also to prioritize is health care investment, especially at a very young age

[@adriandelapena417]

Galing. Very inspiring.

[@itikpinas5355]

Wow galing naman..

[@jedumalagan6632]

This is so inspiring..I just recently started saving and she is correct the more you save and invest the more you want to do it because you see your savings increase and investments grow..its much more satisying than owning a new phone

[@stocksmarts_]

That’s true

[@Herbert0182]

So inspiring, ang galing nya 💪🏼👍🏻

[@ryambel]

I live in Charlotte previously but now in Canada, worked with Siemens in accounting, you only spend $50 a week?? and you're from Maryland?? What about your gas, phone, personal stuff, insurance, Not sure what kind of life it was I'm sure t'was hard but it's worth it if that's the case. Even if you're living with your parents, you still have to share your living expenses that's life in the west unless if both parents are earning high and there are other members of the family that could share maybe just maybe you could exempt yourself from sharing the "living expenses" but anyhow congratulations for being so determined!

[@liezelpapa6634]

Hi Mayra, thanks for your feedback. Yes, I was living with my parents but luckily my parents were generous enough to allow me to save and not share yet on our home bills. I only needed to pay for my gas, mobile phone, and other personal expenses during those times.

[@ryambel]

@@liezelpapa6634 Yah was amazed when you said you only spent $50 a week, it didn't happen to me though 🤣. I didn't share at home as well but insurance, gas, phone when I started working it was my expenses, unfortunately 😂 back decades ago

[@avemelvintividad4373]

Also a CPA and somehow halos parehas kami na almost 80% to 90% ang tinatabi, pinagkaiba lang is I'm nowhere from being a millionaire but hopefully I'll get there someday.

[@ronnieduque6588]

Thank you for this interesting and inspiring episode. Great job to the guest, Liezel. You have intentionality towards your financial goals. I hope I started early as well :)

[@stocksmarts_]

It’s never too late!!

[@MARKMONTES10]

how can you save 20%? are you living with your family?? here in san francisco the rent cost around 3k for entry level room.. i earning around 9k$ a month(pre-tax) as a software engineer here

[@ryambel]

Precisely my point😂 I have a house in Charlotte but now living Canada, unless I won't move myself, maybe i can get by $50🤣

[@liezelpapa6634]

Hi Pong! Thanks for your feedback. Yes, I was still living with my parents when I started saving thats why I was more aggressive in saving back then, but I am now living on my own also. I created other streams of income when I started seeing that what I was making in the Philippines was not enough to meet my budget and my target savings. :)

[@licensedagentph5242]

Very inspiring ❤️❤️❤️❤️

[@crisgalang1056]

hello mr marvin, sana makapaginterview ka ng isang single breadwinner na supporting senior citizen parents, a brother w/ 2 kids and wife in the Philippines. thanks

[@stocksmarts_]

A loy here you go - kzbin.info/aero/PLlr3m26N_qh56OBiGpGnC_VIt0G89NbDq

[@lizagocong6664]

i want more from her..so inspiring

[@jmledesma2517]

Happy 100K sir marvs💪🏼🎉

[@jonesarno8521]

For me, emergency savings would mostly apply to wage earners. When one has established a cash flow through his assets by way of passive income, emergency savings can be used as additional capital to increase one's assets. As a result, more income. Ano kaya ang income ni ma'am dahil yung savings nauubos din. Hindi ako nakarinig ng income stream niya. Good luck po sa bagong buhay nyo sa PI. Thanks for sharing.

[@zelcabillofunvlog7527]

So inspired to miss lizel, same to you I started early too, saving and investing, even I support my two siblings in there study, , but for me hindi sya hadlang pra mka pag save and invest ako,in the early age, DO THE HOBBIT OF SAVINGS AND UPGRADE 😊 CODOS TO YOU SIR MARVIN AND MISS LIZEL, BE BLESS THANK U 🙏

[@deantan4080]

Who cares if you dont get to use the degree sa States. Pride lang ang degree -- 5x naman kita mo versus a CPA grad sa Pinas na puro OT.

[@robadventure8007]

Wow! 50$ I feel its too much! But great she've done that!👍👌👏👏

[@jikea4281]

Very inspiring & relatable!! 💕 I'm currently working abroad for almost 2 yrs already and i really really wanna go home. Started investing in stock market last year, and was also inspired by Marvin Germo's videos (special mention to my coworker who suggested your channel). Thank u for sharing 💕💕

[@elmadreo7031]

Nakakainspire.

[@malachilamb7858]

Babalik pa yan si Ma’am Liezel🙏🏻

[@splakacheus]

fan na ko ni Lizel

[@evajelpaler8521]

hello sir marvin, paano po ba makasali s stocks po, tama po bang kumuha aq ng Kaiser pra s long term, then sumali din po aq s soldivo, ung s inyo po ano po un, gusto ko po kc sana habang andito aq s Italy makaipon aq at ng pag uwi q d po aq maghihirap, sna matulungan nyo po aq. slamat

[@yelcarino5830]

Inspiring! ❤️👍🏻

[@crisgalang1056]

so helpful..

[@nosilazerep]

lapit na sa 100K subs!

[@stocksmarts_]

Thank you for all the support!

[@jgmomshievlog3208]

salute to you millenial mindset....

[@ruthieruth8435]

so inspiring 😍

[@deantan4080]

Where is the lots your purchase? Near Bulacan airport?

[@ynella0110]

Amazing 80% saving.. Dapat mdinig ng ibang single na di nman breadwinner.

[@stocksmarts_]

Push. Watch this banking stock picks - kzbin.info/www/bejne/nqebmYuQfsmsas0 and property stock picks - kzbin.info/www/bejne/qau3XqeYpLFjbdE

[@deantan4080]

ISM master po. Hanggang ngayon di ako maka trade ng 2nd liners

[@engrjose3588]

This really helps thanks a lot❤️

[@liezelpapa6634]

Thanks!

[@clester2194]

Goals! 80% 🙏🏻

[@deantan4080]

Nag crash na po sa USA, hindi magiging mura na ang real estate price sa Maryland? Para makatira near your parents at 0%, 30 year mortgage?

[@newworldorder1425]

IMO... we can never call a person a "millionaire" if may ipon lang siyang 5 to 10m because yung "millionaire" is just a title. Lets say you have 1m flat, if you spend 1 peso you'll lose the title of being a "millionaire". A millionaire in todays age for me is have atleast 50m cold cash or in bank. Btw, Not pertaining to marvins guest. I just want to share this thing kasi andaming taong nagsasabing "im a millionaire" hehe. Sana mas madami pang vid na kagaya neto na may guest na bata kasi gusto ko din marinig mga kwento ng millenials. Thanks for sharing!

[@jeremiasdegracia1140]

I want Mam liezel🙏🙏🙏♥️♥️♥️

[@sarahcabanero8223]

Will never move back to the Philippines, and so with my whole family. If you have a good job here in the states you can save a lot and have a good life.

[@AlexisLopez0815]

MG vid count#12 (not in the exact order as I just started counting it now, sir) :))

[@shenaesciber124]

Newbie here boss marvin

[@MrJonbelt]

No thank you. Lower cost of living in PH but no abundance of food and comfort things. Even fresh milk is a luxury. You get what I mean. She only went home for her boyfriend I guess.

[@Justin00704]

I have been saving 95% to 98% of my salary so I can follow Sr. Marvin's strategies writen on his stocksmart book....

[@Justin00704]

@Digong DU30 yup, I know😀

[@bernabemariano7025]

I want her whats her business

[@everythingpositivepsychology]

kudos

[@stryker20]

👏👏👏👏

[@renalynlariego]

Saan po Ang taytay😂😂😅😅 Ang Alam ko po devisoria , baclaran

[@javejao]

Rizal po

[@renalynlariego]

Salamat sir I'm from Davao po Kasi

[@renalynlariego]

Salamat sir

[@ovonjohn]

hirap gawin pag breadwinner :(

[@richiecaneda1579]

English man si maam sir dapat tagalog lang hahaha

[@PatrickMiguel]

$50 a week! Also am doing that.hehehe😀

[@PatrickMiguel]

#1376 #MarvFlix

[@whinzpineda6830]

more sub soon to 100k

[@M.Stick11]

Di nya naanswer specifically ung question. Sabi nya she’s living on her own and saves 80% of her income?! Paano yun when the rent is expensive sa states unless she lives with a boyfriend at that time that pays her rent?? It’s not adding up 🤔

[@tintay]

26:58 she said she lived with her parents

[@M.Stick11]

20% still doesn’t add up especially working in North America. I don’t have much bills myself and the highest I can save consistently is 50% of my income per month and that’s very rare for most people. Did she had 2nd job before?? Tsaka 3 years lang syang nagwork to save that much money? Oh c’mon, 🙄 she probably had a lot of financial help then and her family is probably supporting her for sure hanggang ngaun sa pinas. I don’t buy it sorry.

[@stocksmarts_]

Lived with parents

[@miguelserrano725]

She lived with her parents meaning hindi nya problem mag bayad ng rent. Solo nya ang income nya that’s why she can save up 80% of the income.

[@M.Stick11]

Miguel Serrano the video was edited na and not too long anymore to watch. ;) got the info.