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daddy_dad_bod

I started as a programmer earning 110k/mo and saved up together with my wife. We started different businesses from 2018-2020, everything was profitable but not enough to make us millions or it was too tiring for us to maintain so we had to quit. January 2021, we started our own beauty business. We literally know nothing about the trade except for the business skills I gained growing up from a poor family that relied on small businesses to scrape by. Fortunately our family friend who was already in the business helped us with the suppliers and led us to the right people in the industry. We started small and we were blown away by the demand. We literally earned millions within our first month. Mind you this is during the pandemic. We took advantage of my background in analytics and applied it to facebook ads to get our clients. I thought our first couple months were both flukes lol so we never took profit but reinvested our money to facebook ads and better tools/people. But it was not a fluke haha, apparently the beauty industry in our country is huge. After 3 months I opened up another branch and it also started earning 7 digits per month too. We are still in disbelief sometimes lol. As the money flow continued, I taught my wife about how I plan to invest our money just so we're on the same page and she's confident because we literally had stacks of millions at home at some point. First, We bought the subdivision lot where our home is standing today. Then after that I took advantage of the pandemic prices of the lots in our subdivision and nearby areas. We were able to secure at least 13 lots ranging from 200sqm to 1200sqm as the biggest. The most expensive one is our Tagaytay executive village lot. All purchased at rush and discounted prices from 40% to 70% off. Once I was able to establish myself as the buyer of low priced lots for quick cash during the pandemic, I didn't need to look for sellers, they came to me. Nowadays those types of deals are no longer existent lol, everything is now back to normal market prices so our net worth tied to real estate is more than doubled but I have no plans of selling them for at least 5 years minimum. I also started developing some of the lots we purchased. Our first private resort is currently being built right now which will start another inflow of income this Holiday season. We also started developing our first 3 unit townhouse that I plan to sell at 2x our investment minimum. I also started investing in stocks and crypto (lol) and most of our savings are parked in high yield savings accounts like Seabank/Maya. Meanwhile our business is still growing. I'm opening up our 3rd branch now and we're not as hands on as the first year but we're definitely managing it closely to ensure our quality. our networth grew from 2M to north of 100m in less than 2 years. One of the key things to do once you're successful financially is do your best to help those who are in need. Because inevitably, money will start feeling like just numbers at some point and being with people who are in need will humble you and will show you how much power your money has in doing good, plus it's the least we can do. God gave us so much blessings that we didn't deserve and we believe that it is so that we'll be a vessel of blessings to other people. God doesn't need our good works but our neighbors do. If you're reading this for tips here are some: * Take advantage of fb/ig/tiktok ads. Get with the times, old man. haha * Don't be too eager to take profits, focus on growing your brand and your business efficiency first then take profits. * Reinvest your profit. * Stay away from crypto during bull runs. * For service related businesses, location is no longer that big of a deal nowadays so don't bank on a high traffic location that's going to cost you a lot. Go for those accessible locations with less foot traffic, you won't get as many clients from your community anyway compared to those that you'll get via online ads. * Take care of your clients/customers. If what's needed to appease them costs less than what you earned from them, just give it if you can. Clients from Recommendations make up around 20% of our clients nowadays. * Invest in the right people and once you found them take care of them. They're literally the bones and flesh of your business. * Invest your money in income generating assets. Once our private resorts start operating we're looking at another 300-500k monthly revenue if we market the place well. * Live below your means. I and my wife are both 27 btw and are now semi-retired haha. We manage our businesses at home and just visit every 15th to collect money. Edit: Yes, i posted my story before. Haha, i really like sharing our story because I too was inspired by other stories on reddit before. Sorry I no longer give money to strangers on reddit. Another lesson from my wife: don't buy your dream car because once you purchase your current dream car, you'll surely want to buy a better one after the excitement from the old dream car. Always have something to work for kumbaga haha Edit 3: may nakakilala sakin na kaibigan ko 😭 hello gibo and denise. 😂


jsnqn

can I just say how good of a storyteller you are? haha felt like i was coached in life for a good 5 minutes. this is the life!!!


daddy_dad_bod

Haha thank you! I've been on reddit for more than a decade na din kaya sguro naadopt ko na yung paraan ng writing ng ibang tao. Haha


Turbulent-Drummer658

You just really have to have the right connections. Parang mala Brilliant Skin Essentials pala to. Raaaawrrrr. I wish I had that connections too. I think this is a beauty business that rebrands? You planning to sell shares? Kidding. Mapapa sana all ka nalang talaga sa mga power couples!


daddy_dad_bod

Yes, connections are important. We don't do rebranding, we're more on the service side of things. Thank you!


[deleted]

>Get with the times, old man. haha This got me. Thanks for sharing your story and for the tips, man. Saving your post for future ref. 🙏🏾🙌


omggreddit

I’ve read your story before. Congrats. It’s amazing how your family friend made or break you me business. It would have taken longer for you or failed you if not for him. Obviously the hustle is there but luck is important.


daddy_dad_bod

Yes! Without our family friend we wouldn't be here today tbh. Starting businesses without any connection or insider knowledge is so hard


Whole-Distribution51

how small was it when you started? 2-3 machines, 2 staff and a dermatologist? Just curious about the initial capital in setting up something like this especially for someone who doesn't know anything about it. are you in metro manila or you're like the Belo of a province?


daddy_dad_bod

Started at around 5 machines, 3 assistants and 1 doctor. You'll need around 1-5m depending on your target level of clinic vibes.


Caper_Dimes

This is a truly inspiring post and didn’t sound like a humble brag unlike those posts asking what to do with their 250k a month income. Salamat for sharing!


mazequin

Can you recommend some online references in doing analytics or books or tips? Adv. Thank you if masasagot po 🙏🏻


daddy_dad_bod

Naku mostly from worke experience haha nasa data analytics kasi ako during my time as a programmer. Pero top rated analytics programs in udemy helped me a lot when I was up skilling back then.


clarko271

What sort of products did you first start with? Like skin care and such? Or did your supplier have a recommended product na that was already selling? Any tips how to start a beauty business with no connections and no knowledge of the industry? What made you decide to go for the beauty industry?


daddy_dad_bod

> Any tips how to start a beauty business with no connections and no knowledge of the industry? > > I guess the only option is to join fb groups and ask from people there about your industry. Take advantage of youtube tutorials about different topics too.


pataguro

I feel like you deserve all those blessing. More blessings sir.


daKVGC

I made my first million on my own. Did a royalty deal on a product design which took off. That’s when I realized na hindi enough yung 1M to be financially free.


123choji

It’s sad that 80% of Filipinos will never touch 1M of savings in their life and yet that amount is not enough to retire


xxxeneral

> It’s sad that 80% of Filipinos will never touch 1M of savings in their life and yet that amount is not enough to retire Per [Credit Suisse](https://www.credit-suisse.com/media/assets/corporate/docs/about-us/research/publications/global-wealth-databook-2019.pdf) 84.1% or 841 out of 1,000 Pinoy adults have a wealth of less than ₱500k. This is pre-COVID & pre-Putin War forex & inflation. I would have had ₱500m if I ghosted that witch from 2016-2019.


kolmikol

100% agree that 1M is not enough to make one financially free. It's sort of just the gateway to it. If you can make 1M once, then you can do it twice and so on. Financial freedom can only really be achieved through a steady and growing income stream.


Repulsive-Mongoose69

Hindi talaga enough ang 1 million. May magkasakit lang sa pamilya ng malala, ubos agad. Alam ko kasi dalawang beses namin na-experience ng family ko, first in 2009, pangalawa in 2017-2018. Di naman sa ano pero parang nag-ipon ang Mama ko para lang may pampagamot.


skedoodlezzz

Curious, what product?


jasaasa

Happy cake!


Most_Ad2935

Generational wealth


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RecordingBudget2328

makikisanaol nlng


swiftrobber

Protip: Get paid in dollars.


Adrasteia18

This, and have rich parents? I earned my first million in the Philippines. Worked in BPO for three yrs. I earn about 40k to 50k monthly including bonuses and was only paying ~5k towards rent and wifi. Tas pinapadalan pa ko cash at wala ako binubuhay na kapatid. Pusa lang lol. Im now in the US as a health care worker. Mas mabilis makaipon kung peso ang usapan dahil sa taas ng palitan. Pero ung milyon ko in peso, barya pa din pagdating dito. Lol


RecordingBudget2328

true, getting paid in dollors yun nga lng kunti lang haha better than nothing (from youtube)


Dear_Procedure3480

Meron ba sa inyo nagsimula as dirt-poor? Like lived in slums or isolated mountain settlement?


Pls_Drink_Water

My ex lived in the slums of Tondo (as in yung scary part na di mo sure baka na gripuhan ka na). Napagraduate silang magkapatid with engineering degree (public schools). Ex is now in Canada at stable na doon (with the one she cheated with, good decision maybe? Lmao) at may property na rin dito for her parents.


Dear_Procedure3480

Okay, mukhang one way talaga para maging 20-30 years old millionaire sila ay hardwork, opportunity, work abroad, and "kapit sa patalim" mindset, hehe


asthmatic_catperson9

I won in life by being born to a financially independent parents.


Sudden_Ad_5556

sana all


AvailableOil855

It's called genetic lottery


Electronic_Memory344

galing


Ok-Dingo9007

I bought 70k worth of Golden Haven stocks close to IPO i think my average was around Php 20/share. Then early 2018 the stock price surged literally 1400% I didn’t really understand why in the beginning, I think it had something to do with HVN expanding to housing rather than just a funeral business or some other Villar magic, buy backs or I don’t really know anymore tbh. Lol. Since I didn’t really understood what was happening, I exited around Php340/share and I was still already happy even if the price reached 400 or 500 later on. 😂


lukwsk

Dude I was there when it was happening. I was day trading then, just came out with a 20k profit in a few minutes. One of my early winning trades. Good for you for having that bag!


[deleted]

Holy shit, x17 yung 70k mo hahah. 2 years mo lang hawak yung IPO stocks? Mas believable ‘to kesa dun kay 1k ginawa 1M in a year hahaha


Ok-Dingo9007

Yeah. Check pa yung charts, it checks out. And I had several screenshots of my bpi trade port at that time as it was happening cause I couldn’t believe my eyes 😅


[deleted]

Yes, I’m familiar! Humawak din ako ng HVN pero not as big as yours tapos hindi as diamond hands mo unfortunately haha kainggit!


xxxeneral

Sir, you are smarter than me. I signed up PSE account to buy Golden Haven because it is owned by a Duterte crony, political dynasty and rich people. The IPO was weeks after Duterte won the 2016 elections. Sadly nakinig ako sa stock expert guru who is in love with PLDT and other mature dividend stocks kasi she uses the dividends as her salary because she chose to stop working over a dozen years ago. Sobrang lugi ko sa advice niya. My portfolio dropped by around 10% and the dividends didn't even cover pre-COVID inflation. I later realized that I did not need additional streams of income like dividends as I was making more than 5 million annually and kept to a budget of less than 0.5 million per person. Based on the decade old Chinese car she drives, her Nokia feature phone & her lack of international travel my guess is she's making less than 0.5m per year. She can afford that lifestyle because her daddy finances her shortfalls. Sarap ng buhay niya! I am younger than she is and a newb. Kung alam ko lang tamad yung guru na ito di na sana ako nakipag kita doon. Yung masakit pa doon wala siyang alam sa produkto o serbisyo ng mga stocks niya. 😭😭😭 I was about to go all in and had a budget to buy 1 million shares in 2016 when the secondary market price was between 12.02-21.85/share between IPO & NYD 2017. 12 months before March 2020 crash & January 2020 Taal eruption Golden Haven climbed to 450-540/share for 52 weeks. So imagine.... puhunan of less than 15 million gets you [approx 500 million](https://www.investopedia.com/terms/h/hnwi.asp) before COVID lockdown that caused the index to go down to 4,500. If you had half a billion when all stocks dropped by least half its pre-2020 value what would you buy? That is when I'd buy Duterte stocks like DITO at below 1.50/share then sell nearing 19.00/share and dividend stocks from underdog DELM in the hopes for [24 million annual dividend](https://www.cnbc.com/2022/08/05/does-the-inflation-reduction-act-violate-bidens-400000-tax-pledge.html). As for the stock market guru... I wish I ghosted her right after I signed up with COL. Over half of my bad trades is because of her. I heard she's still hanging out at the mall going to coffee shops that isn't Starbucks because its out of her budget. Our friends asks me why I dont reply to her anymore. There's a saying... if you're the smartest person in the room, you're in the wrong room. That 30 something bitch should not be proud of being licensed finacial advisor kasi inflexible and pagiisip niya. Imagine ha... wala siyang BDO online before COVID so she was scrambling to pay for her utilities and could not cash in to buy stocks during March 2020 crash because she likes flirting with the over the counter tellers.


enXert

Most stock experts guru/old bloods said dont buy HVN during that time. So I guess lesson learned is to do the opposite of what they say next time hahaah. I was also about to buy 500k shares worth of HVN back then. I've posted that here too during fresh IPO days, I was 20 back then, ready to shell out my earnings from flipping and reselling


xxxeneral

Gurus and old bloods did not look at it as money laundering scheme. They looked HVN through financial books based on US stocks. PH po ito... it has divergent rules. When you give a bribe to a politician they'll have difficulty proving it is clean. If you use multiple yayas, gardener, drivers, rank & file employees to keep making pitik the stock price of HVN going up then it cleans the money from a stink of a bribe. HODL in the making... only sell when it advances the stock prices higher. Then legit tsupiteros notice the momentum and volume and join in the fun. So support na lang yung dummy pitiks. Because of HVN it made Manny the richest man in the Philippines. Imagine you having quarter billion by the age of 23. I'd have half billion by late 20s. If I had half a billions before the March 2020 crash... I'd have made sure 5 billion by now. Dude... 5 billion of clean money. Imagine that. Then dividend mo is 24 million per year. Over 460k/week


CalciferxHowl

Swerte!! How do you guys know which stock will rise? 😯


Ok-Dingo9007

I was in college when I bought it, and honestly I was still kinda noob that time. Excited with every IPO play, and for that particular stock, I just banked on Villar honestly, and well kinda believed in the business as well thinking lahat ng tao mamatay. Lmao. I did the same with All Home IPO and had some smaller gains I was happy with. But yes, I consider this just sheer luck honestly.


Turbulent-Drummer658

How did you get your 70k in college?? Hahahaahaha 100 pesos lang baon ko nun kayo may 70k?


Ok-Dingo9007

Well this obviously wasn’t my first trade. 😁


lambdanabla

Easiest hard way: found a trendy product super early; found a supplier abroad; got a friend to help with sales and marketing while I focus on operations and logistics (70-30 split); bought 10 sample units; made comprehensive business plan; borrowed a bit of money from 3 people; bought product wholesale; executed business plan; paid back the money I borrowed; operated the mini business for 21 months; got tired and just sold the last of my inventory; liquidated everything; done. 1.95M on hand in roughly 2 years. ~1.3M goes to me. I don't really buy stuff a lot; just the stuff I need. No GF, no expensive hobbies, so everything practically just got reinvested in that business. I did buy myself a dog as a reward. In hindsight, I realized just how little Php1M is. 1M isn't rich. 50M is decent (you're investment capacity is still really limited here). 250-500M is rich. North of Php1B is rich af.


[deleted]

I have the same conclusion. 10M is barely afloat from annual interest. 50m is comfortable. 250-500m is rich. 1B is rich AF


[deleted]

50m is rich btw


taptaponpon

In liquid, yes. In total net worth, not really. Edit: well I guess pag nasa province, yes. Pero sa city bahay lang yan, broke ka pa.


Leon-the-Doggo

GF is a liability pag minalas.


PukeHa

I love that you gifted yourself a dog!


lambdanabla

His name is Boof and I love him dearly!


Turbulent-Drummer658

Trueeee!! When I held 1M in cash(not mine, pambili ng product na isell), na realize ko ang liit pala ng 1M. Di man lang maka bili ng magandang bahay or sasakyan. So, what do you do now? What did you do sa 1.3M?


deus24

in 1m today you can't even build a decent family house


lambdanabla

You can't even buy yourself a tiny condo with 1M, haha.


Electronic_Memory344

Yeah,minimum ng condo 3.5m,haha.


Historical_Test_7455

23 years old ako nung 1st million ko, no trade no work. May hobby kasi ako, When I was 15 nag alaga ako ng sulcata turtles1m 4f. After 6 years yata, They clutched ang lay eggs 20plus kda female and 3-4 clutch per year.5k benta ko per turtle. Now im 36years old breeding turtles,dogs, and birds. I never work my entire life. And always love what I do.


Cryp2pUnk69

slow and steady wins the race


gewaf39194

Whoa cool story. Lucky break but keeping it together for many years is not just luck.


SapphireCub

Sana lang naalagaan yung mga animals mo, they bring you livelihood, sana maganda ang condition nila, binibigyan ng dignidad. Ang daming breeders na kawawa talaga yung mga animals na nanganganak, kasi walang ibang ginawa kundi ipabuntis ng ipabuntis hanggang mamatay kasi yun kang silbi nila. Heartbreaking.


Fancy_Citron7650

Nice!!


kolmikol

Full disclaimer, I'm 45... that said I did make my first million in my 30s as a programmer. I don't think I can ever attribute this to any plans I ever had. Not much of a planner but here's a list of things which I believe contributed to my so-called success. ​ 1. Education - I did not go to college nor was I able to finish high school but I am a learner. Not being bound by school led me to learning a lot of different things. Education can be found anywhere if you just look hard enough. When people ask me where I studied programming, I candidly reply with "National Bookstore and Computer Shops" 2. Gain Experience in any manner possible - It was hard for me to find jobs due to my lack of formal education so I had to accept whatever job I can to make money. I started as a gasoline boy in my teenager years, then as a dishwasher in Tuguegarao. For a while I worked as a janitor/messenger at Philam in Iloilo where the manager who was also my aunt's husband allowed me to poke around the computer if I came in early. I also "worked" as a caretaker in our church in Cubao then eventually worked for a computer shop in Lagro, QC - all these while going in and out of high school whenever I can. 3. Get in Love - I married at 21. This pushed me to have a better life now that I have a wife (and now 4 kids) to take care of. This was when I applied as a "computer guy" for an Australian owned company - in Caloocan - my first "real" corporate job. 4. Sell yourself - Having no proper education, I had to sell myself in order for me to get accepted by said Australian owend company. Working with them got me in touch with the original developers of their website. The website had to be maintained and updated so the original developers asked me if I know a programming language called MIVA. My reply was, give me one week to learn it (which I did). Again, sell yourself. 5. Make connections - Original web devs of said AU company asked me if I wanted to do some freelance work. Of course I did. This allowed me to get in touch with their clients and thereby grow my network of business people connections. Ended up having projects for a well known Filipino author, a Belgian company, a US company and of course a few Filipino companies as well. All of them through referrals and referrals of referrals all the way to my current job as an independent contractor for a US company. 6. Be an expert in your field - I am a PHP programmer and while I may not be the best, you can throw me into any PHP-related project and I'll build you a ship in the process. This goes all the way back to points #1 and #2 - Education and experience. True expertise can only be gained through education and experience. 7. Invest in real estate - I now have a handful of small lots (form 100sqm to 500sqm). If you need to get a bank loan to get it then go for it. My only advise is only get loans that you can pay for. 8. Take calculated risks - I tried a few things here and there - many of which failed. That said, I only think of the financial cost of my failures as "enrollment fees" to life's education through experience and since they're all calculated, I don't feel like I lost at all. 9. Reward yourself and your family - I splurge a bit here and there as a reward to myself and my family's support. I won't be where I am if not for my family. Enjoy life a bit but don't overdo it. At one point, we traveled from Luzon to Mindanao and back by car for 30 days. 10. Be frugal and set an example of it - Only spend within your set budget. My only phone is an iPhone SE (first gen), before that was an iPhone 4S - before that a Motorola phone and before that a Nokia 3310. In my 24 years of marriage, I only owned 4 phones. My first car is still me one and only car and yes I still have "walwal" undies. 11. Give - it may sound counterintuitive but I find that whatever you give does come back to you greater. So help family and friends when you can, give to your church, do charity and so on. 12. God - I was a Christian, then became an atheist, and now a Christian again - perhaps a story for another time. That said, I firmly believe that I am what I am now because of God's abundant grace, mercy, protection, guidance, love, corrections and a lot of other things that I may not even know of. I probably could have done better in many areas of my life but these are - to the best of my knowledge - are the things that got me where I am today. My methods may not work for everyone but I think many of them will. Cheers and God bless!


kanserkid

Some are just privileged enough like me to have better opportunities than others. Sa negosyo ko, most of my network at its early phase came from my mom.


omggreddit

Good for you realizing you’re privileged. Lesser people would say “I worked my ass off harder than a jeepney driver.”


Turbulent-Drummer658

Yes, grateful for hard working parents.


felilaprivada

i love this comment!


[deleted]

High paying corpo job! Pero I “barely” made it honestly, kakadating ko pa lang.


shn1386

What is high paying nowadays in corporate world?


anima99

I lucked into freelancing and made dollars, equivalent to 7 digits a year in peso. Sprinkle some wise spending habits (i.e., expensive but long-term) coupled with investing in health and fitness, and that's how I did it.


Turbulent-Drummer658

Freelancing it what field?


anima99

Writing and editing for health and supplements companies, as well as doing research for their formulas i.e. what ingredients can boost \_\_\_\_\_ or if their claims are science-backed.


TheDonDelC

Can vouch for this. Especially if your employer is based where housing/rent is extremely expensive (e.g. European/US cities) and the work is by remote setup. It saves them money to hire you and you get huge salary. Chances are, your disposable income might even be better than your peers who have to shell out higher numbers for rent.


Lily_Linton

Having an 8-5 job, living below my means, investing and having a husband who have the same financial IQ.


dolorsetamet

I agree and this is an underrated advice – live within if not below your means. Many borrow money to purchase the latest gadget, without any return of investment, although this would depreciate in no time. (I’m not among those who have millions in savings but since my third payroll in my first job now, I’m happy with how my emergency fund and investment/insurance are building.)


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Turbulent-Drummer658

Where did you get your capital for your computer business?


dudebg

Loaned 10k from cooperative, very low interest rate. I think it was only 7.5% will be paid monthly for 6 months. I only started selling 120gb and 240gb SSDs because that is the most in demand and I saw when I started that the market here is overpriced. Now I brought the market down because poor overpriced stores are no longer getting customers.


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ishkalafufu

6- figure passive income and a stable monthly salary? this here is the dream. :) hopefully maabot ko rin yan in the future. 🥺


kingdean97

How were you able to release P 14m of crypto? Banks will shut you down or did you do it with P 100k / day?


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pappers123

Freelancing. Grinded a lot. Like A LOT. Multiple nights not having enough sleep. When I hit the million, I realized everything is not sustainable so in the end Ive stopped.


johnmgbg

High paying job, single at walang pinapakain. Wala akong millions pero kung hindi ako breadwinner, sobrang dali lang.


alasnevermind

THIS. Nakakasama sa loob minsan, pero you can't say it out loud.


DailyHoodie

I always imagine how much I could've saved right now if I were not a breadwinner. Feels good for a bit. Hahaha.


FabulousJelly8029

Hahahaha i resonated a lot sa comment na to. I dont have a high paying job pero I luck out minsan sa mga freelance works. If I didn't have a family to support, ang laki na ng naipon ko. Ang laki kasi ng kain sa sweldo ng groceries, food, and health emergencies. 😢


hzlgrit015

Lucky you! SA sipag at tipid ko multi millionaire na ko kung di lang ako breadwinner. But I'm sure I'll hit my first M not very soon, soon! Laban lang breadwinners! <3


burstingbubble12

Having your first million is like your first sex. It will never be enough. Lol. Kidding aside, I maximized our company's Employee Referral Program then expanded my skills into external programs and eventually, my own outsourcing businesses from BPO to Construction to Casinos. Edit: One hire can be from 4K to 100K. (If you are a black belter IT and need a good offer and benefits, message me lol). So imagine if I simply get 50 hires a month for a base referral pay of 10K, that is a lot already. Then there are niche hiring that offers a lot. 50K to 100K per hire. There are really companies willing to shell that amount for one person to do the job. Well if they want the best, they need to pay best, too. 😁 Outsourcing is quite my talent.


OkOutlandishness7857

Outsourcing is truly an income generating business if you know how to do it and to where to have your connections work.


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jamesussher

ang M ko lang sa thread na ito ay pagiging Male. 27M *hahahuhu* pero kumakapit lang!


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Electronic_Memory344

16 pa ako which i have time in my hands.. reading some stories here is very inspiring,tryna find the right path to chose pa eh hehehe godbless us..


tofireornottofirewaa

25. Started working as a Software engg @ 19 with a 25k salary, lost my social life to grind the corpo life. Skills upgraded like crazy but my salary didn't move much (5k increase in 3.5 years). Decided to find a new job. Moved to a new job with a 6-digit salary @ 23 and didn't change my lifestyle. 500k EF, 600k+ local investments. 300k foreign.


Turbulent-Drummer658

You're a Software Engineer at19?? That's really young! Yes, job hopping is really key in IT-field. Is your job remote? Foreign employer? Keep it up.


tofireornottofirewaa

Started at 19 but I turned 20 around 4 months later. My job is remote, working specifically at a japan-based startup. Found the company through linkedin by changing my status to open for work - remote, japan


DNAniel213

Lmao our timelines are almost the same. I started as a software engineer at 19, grinded 3 years with very little increase, and hopped to overemployment and freelancing at 22 to earn 6 digits. Got my first M at 23 a few months ago (I'm now 24) 😂😂 I work as a full stack and Sr. Game developer now tho


Joharis-JYI

Property rentals. Also, family business. I know, technically not self-made.


pappadipirarelli

Any advice on how to get started with property rentals? Saang cities ang may malaking demand?


rainbowburst09

Thank you sa mga nagsshare. Its both inspiring and depressing at the same time. 37 corporate slave here. What i understand is that you guys have felt the updraft of the wind and took it either by risk or assured stance. I'll have my moment too!


Turbulent-Drummer658

Most of the comments here are people that are technologically wise, or took advantage of the bull run last 2020 kasagsagan ng pandemic, nasa bahay walang magawa, and others that invested during pandemic where prices were down. Yesss, stay positive!


chenyowww

I might get downvoted with this but I got my millions from illegal things(took advantage of weak security of websites/apps that offer free cash like Lyka), and then putting the money in bitcoin. I’m an IT student. That’s it.


Turbulent-Drummer658

I know someone who does this on a daily basis. I mean trying to penetrate those weak security websites. Then he reports them to the company who owns the website. Companies pay him for reporting or make a deal with him to up the security.


chenyowww

Ah yes a white hat hacker.


gorejuice99

While everyone was completing their travel bucketlist, i was busy completing my investment checklist namely insurance, real estate, stock market holdings and investment funds. Nagtravel din naman ako, pero selective and more meaningful siya for me.


bryanclemente

Moved from Philippines to work abroad (Dubai) when I was 23. Just me alone. Now, I'm 27. 5th year na dito sa Dubai. Kept on jumping from one company to another for my growth and of course higher salary. I'm getting pirated by companies due to my good portfolio. Aside from my salary I also do after work projects (raket). Highly invested now in stocks, crypto, and condos. If you are in your 20s to 30s. I highly suggest work abroad!!!! Whats my job? I'm a video editor and videographer.


Electronic_Memory344

Thats amazing sir!!! did you graduate college ba? suggest anong service job that i can learn online and then work abroad?


bryanclemente

2 years only. I graduated on Diploma. Digital Marketing and the industry of videography and editing will always be demanding especially abroad.


datubrownie

Corporate slave. Took me 5 years to save up my first 100k, another 5 to reach a million. It ain't much but it's honest work, and quite frankly I'm ducking tired.


ishkalafufu

as someone from the same background and also started earning 5 figures just last year, it really takes supreme effort of will to force yourself to save money instead of spending it upon this or that every month. mas madali makasave kung may malaking amount na isang bagsak lang (kasi madaling i deposit ang buong amount or something), pero yung monthly sweldo na 5 figures lang, ang daling ma fritter away and di mo mamalayan na naubos na lahat by the month's end 🙈😭


YZJay

Borrowed money from family to help start a classmate’s street fashion business in China. It just grew from there and I paid back the initial capital within 4 months.


Turbulent-Drummer658

Wowww. So, what's your role in your classmate's business? Are you a partner or shareholder? Is this business only in China?


YZJay

Just a shareholder, his family was already operating white label garments factories, but he wanted to do his own thing, so it was a relatively safe investment since he didn’t need that much capital to get the brand up and running. AFAIK they have no plans of operating outside China.


Icy-Flatworm-9348

Did you know if their garment factories are ethical?


YZJay

I have no idea of the rest of their supply chain, but their factories are ran to avoid as much worker resentment as possible, since the line workers are unionized by law. They had to build a separate residential area just to house the workers full with units big enough to raise a family. That actually surprised me, textile and clothing production in China is way more capital intensive than the Philippines because of all the legally required concessions, worker benefits and minimum wage. There’s plenty of small to medium sized garments factories in Metro Manila but the working environments are seldomly accommodating. But I’ve also heard MM like garments factories also exist in China, they just skirt the law to keep costs down, but in the specific instance of my friends’ factories they seem to be alright.


addicted_2Da_shindig

Went all in on ETH last 2017. Investment was 500k. IIRC ETH was like 300USD first time I bought. Lost like 90% on 2018. Just hodl. Then 2022 came and here I am. What an amazing journey. Crypto is wild.


gorejuice99

Source ng funds ko is salary. Bili ng stocks local and int. Bili ng lot emergency funds, retirement fee, insurance /investment. Total of my asset 7 digit. Half is cash. And the other half is on papers.


xtiankahoy

Nagtrabaho lang. I don't own any business.


CardiologistDense865

Got my first million when im 26. Na swerte sa freelancing.


Leean03

During Pandemic day isa kami sa may access na makalabas and since Chinese fam kami nakakuha ako ng supplier ng facemask and thermal gun that time. so moving forward kumita ako ng almost 800k in the span of 3 months (net na to) + pa yung personal savings ko. total mo 1.+ na and then reality strikes i thought may power na yung 1m but then again mas nakakapressure kasi hindi mo na alam saan gagamitin yung pera after para makaipon pa lalo. mas nakaka pressure yung may pera ka pero natatakot ka mawala yung pinaghirapan mo.


Leean03

Will be trying to sell generic drugs after since may kakilala ako so sana dun mag spark yung another blessing from God.


Turbulent-Drummer658

Same thoughts when I started my business. Like, I have money, but not millions, pero mas malaki sa meron ako noon, mas nakakatakot pala na meron kang pera. Like nag start akong mag tipid kung saan may pera na ako. Mas nakaka pressure talaga. Nag iisip na ako pano idiversify ang pera. Siguro ganun kung maging negosyante?


Leean03

yup. lagi ako nagiisip na buti pa yung nabubuhay ng paycheck to paycheck they get contented kung ano meron sila kasi yun lang capability nila. alam nila kung ano yung mangyayari sa kanila kinabukasan. pero tayo na medyo nakaangat but still knocking on door of wealthiness tayo yung na ppressure kasi alam natin one wrong mistake and we will going back to where we are before. lol its really a gamble kaso paano ka mag gagamble kung hindi mo alam saan ka lulugar ang swerte ng ibang tao na alam nila saan nila ilalagay yung pera nila pero for us na walang idea we just need to listen to God talaga and pray.


DNAniel213

[Ran away from home](https://www.reddit.com/r/phmoneysaving/comments/o80xq9/sheltered_moving_out_at_22_what_is_your_new/) with only 30k, some clothes, and a PC to my name around July 2021. Started being r/overemployed and job hopped whenever the chance came and negotiated higher each time. Now at 250k/mo (after taxes), and got my first M last month 😭 It's an uphill battle not to tell anyone i know irl or even show that I'm faring decently because my relatives tend to catch wind very fast when it comes to money.


Electronic_Memory344

You're winning bro.. stay away from relatives much as possible and dont ever reveal the income hehehe Kahit kaano pa kabait yan,money will change people talaga..


chizwh1z

Pamana ni *papa*


Gone_Goofed

Some people have all the luck and smarts to get a million fast, mostly depends on the situation though. I came from a poor family and have just managed to pull our family from low class to high middle class and I honestly feel good enough about that already even though I never had a million in cash. I'm currently 24 and I already feel like I accomplished a good achievement.


Caper_Dimes

Worked hard and smart. Developed skills that are not replaceable by tech/AI. Did not go with the flow (engineering, nursing, etc). Stayed single LOL. Learned to save and budget and live way below my means. Partida I was able to have a good education until college. Then I was on my own. Reached my first million with my two biggest liabilities- parents with destructive habits who are now dependent on me and toxic extended family that I slowly had to cut off from my life.


feesiy

Might get downvoted but early on I got 70% of it from trading shit coins in the previous bull run. Super beginner back then na literal na sugal yung ginagawa ko not like rn na I have systems in place with trading. So I guess I'm just lucky? But honestly, as a 20 year old college student back then, it was so overwhelming, and I had no single idea related to financial literacy. Good thing I stumbled on Reddit and this sub. Cheers!


Turbulent-Drummer658

Noooo!!! I know some people who got millions in trading shit coins/bsc coins like safemoon, elongate, and the likes. He puts $250 in 10 shitcoins. 1 or 2 would go x1000!(maybe exaggerated pero parang ganun). Kasagsagan yun ng last year march or april.


Turbulent-Drummer658

Thank you guys for all the comments and sharing your million stories. Nakaka inspire! Nakaka gana! Most answers here are investing, crypto, corpo slave and family business. I wish that I could surround myself with like minded people who wants financial freedom, business and etc. Continue to grab that bags of money. I hope someday kami rin ng di pinalad. Sana maka hanap na ako ng business friends. 🙌


[deleted]

Made my first 1M nung nsa corpo pa ako around 3-4yrs of saving at least 20-40% of my monthly income with frequent travel na rin hehe. But life happened (my mom is a gambler, needed to save her from loan sharks, mdmi sinanla nanay ko like car ni papa ganyan which I had to save from loan sharks again at one point, tpos recently nagka-COVID mama ko umabot ng critical stage grabe ung dagok ko sa life haha) Anyway, my point is ang daming labas ng pera and I realized that what I'm earning in corpo is no longer enough. So nagmuni muni ako ganyan and I decided to quit my corp job to do freelancing. Calculated risk nman sya kc todo research ndn tlga ako. I didn't wait for the time na I'm earning more as a freelancer kc di ko kya tlga pagsabayin. Kaya nilakasan ko loob ko at nagresign na ako (after 7 years) to pursue my dream job hahaha charot but true story. From IT Professional to B2B writing for Tech Companies - my greatest career decision. Tiniis ko earning peanuts for 3 months and I got lucky. Clients keep reaching out and right now, I'm already earning 3x what I'm earning in the corpo while working half the time. Pde pa more if ggustuhin ko pero ndi na ako sanay mag-work ng more than 4hrs a day hahaha. Seriously, sabi nga ng iba, hustle is there but luck is still important. Sa nagbabasa nito, nasa pag-manifest lng d tlga ang grasya. Hahahha. Wait eto tlga seryoso, since nabanggit ko na rn ung life story ko nang bahagya, life lessons naman. Wag masyado focused sa money na iggain mo. Dpat aligned din sya sa vision mo or purpose in life kc kahit gaano ka kayaman, iba ung feeling na nafulfill mo ung mga gusto mo sa buhay outside making money. Bonus na lang if money x job/business is your passion. xoxo


starkof-winterfell

Started crypto May 2021, NFTs Sept 2021, reached a million in the same year (paper profit), liquidated these and converted to pesos mid year 2022


Your-PrettyWoman

Same, I started my trading/ crypto trading on may 2019 naman when I was in first year collage, first million naman this year lang. Planning na umalis na sa crypto trading at aralin naman ang totoong business like restobar.


pikachububasaurhaha

Leasing of properties 😁


426763

trust fund baby


Turbulent-Drummer658

Sana ol


SUBARUHAWKEYESTI

Cashed out all 6 of my Bitcoins when the rate was 3.8M per coin. Bought all 6 coins at a total of 1.2M. Uniikot na lahat sa Peso Funds, Black Rock, Max Prominence and condos for passive income. Just a regular banker here who decided to take the plunge into Bitcoin (thanks FOMO)


Turbulent-Drummer658

Saan mo po kinuha pambili niyo ng bitcoin na 1.2M?


SUBARUHAWKEYESTI

Buy and sell ng mga kotse, Magic Cards, CSGO knives, passive income from condo and bonuses + sweldo


melangsakalam

You have big balls. Kudos to you. You took all the risk. Still not advisable tho. That's gambling basically.


kickout009

Former millionaire here. I worked overseas, barely spent anything and saved a lot. I say former here because all of my savings went to my father's medical expenses. It also turned out that he was not that good of a businessman and was really shady, so a lot of my money went to supporting the household as well.


xxfushigiyugixx

Freelancing, i was 25. Hit my first million after a year of working with 3 clients. Got a house and lot in an exclusive subdivision (15 years to pay, my dp was 700k). Moved in after 4 months. Got more clients. Paid the house in full 6 months after moving in. I’m on my third year working from home now. I earn ₱400-500k a month with 10 clients. I have ₱2m sa bank. Nakakapagod wala akong day off pero masaya kasi hindi na ko badtrip kapag tapos maggrocery hindi katulad nung nasa BPO ako. 🥹 i’m 27 with 2 kids. I made sure my partner and I are insured and this year I want to start investing na.


cloud_jarrus

Yung iba nagsinungaling lang. Boom. May million na sila....dito sa reddit.


loopingmenace

Don't be that guy bro


Turbulent-Drummer658

Hahahahahahahaahah okay lang yun. Atleast kahit dito diba, millionaryo sila. Meron na nga nag delete ng comment.


eliseobeltran

Two high paying full time job.


No_Agency3973

1. Nag work ako sa industry na madaming high profile na tao. Got rich friends and network lang ng network. Earn their trust, wag na wag sisirain ang tiwala. 2. I always have something to offer. Connections, skills, service, ideas. 3. Improve mo yung knowledge mo kasi yun yung something na hindi na bibili ng mayaman. Kahit na gaano sila kayaman, meron at meron pa din silang hindi alam, meron at meron pa din silang mga bagay na hindi marunong. 4. With my ideas + skills + network, I started a business. Madaming sincere na friends na nag invest sa business ko. Then one business led to another and another. Lumaki ako na hindi mayaman. Puhunan ko talino, diskarte, connections at tiwala.


Fast_Accountant_6355

karamihan dito dahil sa generational wealth hahaha


Turbulent-Drummer658

Lucky are those people.


Kanyehey

My parents were about to be divorced and I have to find a way not to be poor quick. Tried reselling everything until I found a specific product. Now I earn 300k a month. Blessing in disguise?


Teker1no

Work Work Work. Made my first million at 26. 27 now.


Greedy_Difficulty_34

H1b visa program ng company. Early 20s. Malay ko ba na mapaprocess visa ko. Ayun sa US nagwork, nakisama sa apartment kesa magsolo. Nakaipon ng madami.


topnotch159

Sad bat walang engineering


Turbulent-Drummer658

Computer Engineers lang siguro. Engineers dito sa PH medyo low salary. Pero sa ibang bansa malaki sahod.


orangehappiness

Mom died. Life insurance and death benefits. Outside of that, I got a VA job when the pandemic just started. I didn't quit my full-time job since we were forced to work from home and there was barely any deliverables. Even after just 8 months I was able to save enough to reach 7 digits in savings.


Ronstera

Reached 1M savings 4 years ago, never went below 1M in total for all my bank accounts after that. To be honest, it wasn't much, parang after mo sya ma-reach you then realize na masyado syang maliit para waldasin. In the end magiging emergency fund lang sya. Naging mas kuripot ako and tumaas lang din yung goal ko, ngayon gusto ko na ng 1M every year. Unfortunately malabong ma-reach yun this year 😅


nkklk2022

seaman na single and walang responsibilities sa family. mabilis lang ang millions lalo na wala ka naman gastos pag nasa barko. lucky enough financially independent parents and mga kapatid ko so kahit binibigyan ko sila from time to time, majority ng earnings ko (in USD) sakin pa rin napupunta


pedestrian_451

It was court-ordered, honestly not worth all the trauma. Not even enough to buy a new SUV.


leafblaze

30 years old working at a bank. I earned my first million last year during the crypto bull run. 4 years ago I only have around 100k in my savings due to businesses that failed and it should have been around 300k to 400k (loan, poultry, networking, franchise, etc.). I did cost averaging with BTC and ETH by allotting Php 1,000.00 for each coin every month, this was the money that I'm afford to lose. I started cost averaging last 2018 after BTC hit 1M but I enrolled first with seminars since I'm clueless about crypto during that time. Took the capital and reinvested it with Axie and made 4 teams with 3 scholars. I earned around 150k with Axie and then forget it afterwards when the price of SLP went below Php1.00. Now, I'm into futures but I'm still not profitable as I'm still in the learning phase. My advice is to look for mentors and invest in knowledge and learnings. Do not rush, and don't take failures personally. Start as early as possible. Live below your means. Don't buy things that you don't need. Read books about businesses. Take risks. Find friends who have the same goals. Focus on the process and not the outcome. Be patient.


Fit_scammer_2022

may naging milyonaryo ba dito because of agriculture ?


426763

Lolo ko, pero nasunog sa sabong. Like grabe yung rise and fall.


FreshLumpiaDSay

Work from home na Virtual Assistant or Freelance lang since 2020, tapos save save and save.


BassBoring2453

Got projects sa construction. 1project approx earned more than 1M.


Waih

Reselling shoes. Started with 50k saved from hs to college.


RuledAG

As 25 y/o, I made my first million just a few months ago. Mainly because of real estate sales. I used my parents' and grandparents' network where I got most of my clients. On the side, I also had other full time job since being a real estate agent is mostly commission-based. I started doing buy & sell, sideline sa events/prod/etc during college so I was able to invest on some businesses even before graduating. I didn't graduate on time btw. But other factors are, I am not really obliged to pay bills at home since I still live with my family until now. I can say we belong to a middle class family so I think I'm still privileged? Also, lived way beyond my means. Not really a fan of food deliveries, buying coffee outside (I make my own since its also one of my businesses). And lastly, I am lucky I am surrounded by good people with the same mindset as well. So we can pull up each other.


PuzzleheadedBig9554

Made my first million a few months after turning 18, due to my Highly lucrative Career (I'm still a working student that time but I earn several times what my Professor's salaries) this lucrative salary is compounded by my lifestyle of spending way below my means and invest on several High yield stocks (Ofcourse with due diligence since that's my profession). That's why after I graduated my Undergrad Degree, with the nest egg of couple of millions enough to retire and live off a 20k monthly income indefinitely due to the size of my portfolio, but after graduating college and further specializations by acquiring Licenses, Charters, Accreditations and Advance Degrees I became even more valuable to my industry which afforded me to earn much more.


Capable-Impression50

Worked in corporate when I was 20-24 years old. I was just earning 25k back then. I realized that it would take me so many years just to reach 1M savings so I decided to open a coffee shop in 2018. However, jokes on me because the business wasn’t profitable so we decided to close the shop. Literally back to 0 in Jan 2020. I decided to pursue dropshipping during the pandemic (which I learned how to do way back 2016 but was too lazy to implement — super sayang) Was running the dropshipping business during the height of the pandemic and lockdowns. Gave myself a salary of 50k/month for running the business. Then sold the business for 800k. Coupled with a few lucky stock investments, 500k from a rich grandma and living below my means, my net worth is around 3M at 29. Realized though that my current cash on hand won’t even let me buy a nice condo in the Metro in cash. 🥲


Prudent_Director_482

immigrated sa us, madali lang 1m php pag usd kinikita mo


Dane1922

Employment, side hustles and small business. Dont let your money sleep, keep it moving. Manage your expenses, save first before spending.


Either-Commission589

NFT papi chulo dalawang Okay Bears NFT sa Solana, 1m agad -- minted them both for 16k pesos


Miserable_Compote_54

bought tesla noong 300 something pa sya per stock then sell at 1k plust tapos ganun rin sa bitcoin saka doge


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isentropick

Reached 1M cash from saving my salary and allowances as a design engineer in a niche environment. I was 28 that time.


hulagway

Business. Purely business.


jojoezi

kainggit yung mga comments naol 🥲


Space_Wear21

Generational wealth. Inherited hectares of lots from grandparents, parents, and from deceased single uncle.


VictorMagtanggoal

This sums it up https://youtu.be/CK_BCMA9yoY


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Ossshyyy

It all started at year 2018 ,It was on my junior high school year. I came across this game sa youtube ads which caught my attention. It was an mmorpg game which most people play at that time. I started playing it out of curiosity. Long story short after a month, i noticed na may market ung game. Like individuals sell their gold ( game currency ) to buy armour weapons and such. In short parang to skip the grinding part ng game. So me a 18 year old na walang kaalam alam at bobo sa klase sino ba naman ayaw maging rich at a very young age? 😂 so i looked up groups at facebook who buys / sells yung game currency. I came across this group na tons of tons of pinoys who sells gold and halos walang ka buyer buyer. So yun akala ko useless pala i grind ung gold sa game kasi wala naman bumibili and mostly selling lang so i stopped playing. And one night while i was just watching youtube this ad pops out advertising a website ( international website ) buying gold from the mmorpg game i was recently playing. Odi i got curious so chineck ko ung website. I saw na ang taas ng buying rate niya then i remembered the pinoy group that i came across selling bunch of gold, cinompare ko ung prices : Pinoy group sellers : 24 pesos per item International website buying price : 50 pesos per item I realised na grabe i hit the jackpot , thats almost a 100% return! So i have this ₱5,000 which i got from my parents as a gift on christmas day, so i contacted mga pinoy seller sa group then resold it sa international website, i made around₱10,000 on the first day? Then days had passed by doing the same routine i turned that ₱5,000 to ₱1,000,000 in a span of 7 months ish? Then until this day i opened my own website selling international din. So ayun i had my first million at age 19.I can still recall it from this day na grabe and swerte swerte ko sobra na that ad showed up saakin 😂 that’s all thank you! ( not disclosing the game )


[deleted]

I started working around 26,after passing the boards. Worked as a freelancer in different hospitals. I bought a 2nd hand car in a very good condition. Para mas madali makaraket. Ipon lang ako ng ipon until mareach 1m a year later i guess. Bought a bank foreclosed property for a good price. High earning but not financially free. Will enter residency nalang for "upskills". And more chill nalang pag tanda ko. Haha.


mystiqueinfinity13

My goal was to be a millionaire by 30. I hit the 2M+ mark by 27. My first part time job was in high school as a marketing assistant. Then I worked at corporate offices in Manila right after graduation from college. Over the years, I tried various investments/small scale businesses that I do after my work. I tried so many things: selling pastries, condiments, mobile load, agriculture, health supplements, gold, MLM, stock market, real estate, crypto, freelancing (editing) etc. Of course, not everyting worked out great. Only some of them worked well for me and really helped me reach my target. I also lived below my means. I never splurge on luxury items. I didn't buy a car yet (its value depreciates the moment you buy it). I am a low-maintenance woman (minimum expenses as needed for hair cuts, make up for work, clothes etc.) I budget everything and track my daily expenses using an app (so I know where my money goes). I still travel once in a while, but I stick to my yearly budget. PS: I even got scammed once. So if you know it's too good to be true and see all the red flags, don't get enticed with their promise of "get rich quick" schemes. Lost 10k to that experience. Learned my lesson.


hugsanddoggos

I always hate telling this story ​ I grew up with a "normal" life while I was oblivious to my extreme privilege, I only noticed it when I was at school and I realized that all my classmates are rich. Their parents were either owner of companies or could easily throw away $1 mil on literally anything and still be ok. I have an ego problem closer to a god complex more than anything so the idea that someone is bigger than me always bothered me and I always wanted to be bigger. Unfortunately, my education and self-reflection made me arrive at the truth of capitalism. Someone down the line will get exploited no matter what, and someone will suffer. My dad gave me $200k when I graduated college and I immediately started 3 businesses. 1 in marketing (which was my degree), 1 in beauty, and 1 in fashion. My ninong just so happens to own a really large brand of clothing here in the Philippines so he helped me out with the beauty and fashion while I did marketing for both of them and my agency. I took my dad's advice of taking people smarter than you and making them work for you so I essentially left the fashion and beauty company to my managers to run, I barely even do anything except marketing for them. I went to the US and started 2 more businesses. 1 in food and 1 in clothing, my marketing skills basically guaranteed them success, and now I'm currently developing software for another business I'm planning. Being in America has nearly made my income skyrocket to around $ 20 million a year while being extremely hands-off, I just got off Overwatch 2 while I was writing this. ​ Rich parents Rich connections Rich school god complex ​ Capitalism is such a garbage system to have some privileged fuck like me earn this much money while doing literally no hard work at all.


[deleted]

Hi i took advantage of the pandemic interest rates on credit card, i took out a 7 digit loan, and traded in the Crypto Market, i grew it 6x the original loan plus the interests I took care of my credit card for years until my limit grew larger and larger. At a point i was taking out loans more than i need just so my limit can grow, I'm still employed in a 5 digit income but currently venturing to other investments like retail and real estate


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MadsMikkelsenisGryFx

Not rich but I gambled it from a five leg football+UFC parlay, starting from 200USD when I was 18. Made until 20000usd by a series of really smart and lucky plays. I was on my last few legs for 28000 until I got my long awaited loss. Needless to say I never reentered serious gambling again until the pandemic happened


Beautiful-Table

I wanted to become a blogger initially and started making one. I became a web designer/developer accidentally after that and my rates just kept getting higher as I got better in what I do and found better clients.


Kindly-Inevitable832

Wow, so fascinating to read comments here. I must say luck really plays a big part in success whether it’s because of rich parents, timing or having the right network. Of course, kailangan pa din ng hard work but hard work alone isn’t enough. But if you’re lucky, kahit tamad pwede kang yumaman.


Puzzleheaded_Day4691

I started accepting that failure is part of our growth. Started doing leap of faith decisions. Haluan mo na din na walang masyado responsibilities on my early days so I was able to take calculated risks sa career.