Hi everyone, so today I have an incredible story to share with you. This is Celine. Celine actually emailed me late last week and she shared with me her story and it is absolutely incredible what she has achieved. She shared with me her story and when I was reading this email, I was absolutely blown away but there was a little part of me that thought this might be a practical joke and that someone was setting me up. Anyway, I forwarded the email on to Tom who is the world’s most skeptical person and he replied back it comes like a that’s incredible, absolutely amazing. So, I replied back to Celine to congratulate her on her successes and her achievement but I also invited her to come and meet me in person and to have a chat hear her story in her own words, and not only did she agree to do this but she also very kindly and graciously agreed to share her story with you. So, as I publish this video for you I would love to hear from you what you think about this and if you enjoy the video and want more. Like this if you find this video inspiring and motivating. Let me know by putting a comment in the comments box below giving me your feedback and letting me know if you want more videos like this and also make sure that you give me that really important thumbs up so I know to keep going also it would be really fantastic. If you think this video is important and powerful particularly for Millennials, and you’ll know why when you watch this video Please can you make sure that you share this video. Can you please forward this video to 10 Millennials that you think will benefit from this video or simply share it on your social media? platforms now this video is a little bit longer than usual and at times Celine gets a little bit nervous because she’s a little bit shy but her words are incredible and what she has achieved is will absolutely blow you out of the water and make you realize how powerful you are too. So, listen up and hear what this incredibly powerful and successful millennial has to go. She’s got a bright future ahead of you and she wants you to know that you can do this too. Enjoy watching this video and don’t forget to comment and give me the thumbs up I do something really interesting for everyone to make some very special as someone who actually served an amazingly inspiring and motivating wake-up call to everyone out there. This is Celine. So, basically three years ago. I came across to a channel through Chloe Morelli and Actually inspired me so much because I didn’t grow up knowing about money. I didn’t know about saving .I had no clue and at the time I wasn’t earning much I was work in retail It was about twenty thousand a year, which really isn’t much to work with house. Also if you need student Yeah, I was eighteen years old at the time and I thought okay, let me have a look at this YouTube channel and he actually blew my mind that there’s a whole wealth of You know financial advice and how to make more money how to say it was Okay, you watched a couple of my videos and What was your financial situation? Like we were did we just spend your be early? Yeah, how are you using money in your life? And what do money represents you’ve back then? Yeah, so money actually has no value in my life I was spending everything that I earned and so were the people around me all of my friends everyone I worked with they didn’t really know what’s a And what would you what would you spend your money on? I was basically spending it on food going out with friends. Just basically Socializing. Yeah, and we think that were there other things like clothing and shoes clothing Yes, all of that, but majority of my money was going. Okay. Thank you Was there a confining moment we went right? I wouldn’t go doing this myself. Would you start like casually slowly like lenient? Really? How would you go from being that to a visionary? Well, I realized that there’s so much potential in the money industry and I pretty much got straight into it I was just so inspired and after watching about three videos and educating myself a little bit it Allowed me to once I got my next pay. I just put it straight into my savings that come that’s the second account and Yeah, so every second counted from there I’m like if it was five cents and you always mention it in your videos like seeing a coin on the floor before I’d be Like no way I’m not gonna freak out You know now I’m just like every dollar comes up with sounds and I think also when you do that you see, you know Say to you You know train sets on the floor you pick it up you’re saying you’re sending a very powerful message through University Like I respect money. I appreciate money I wanna money and that thing gets reflected back in your life because like appreciating appreciate you We’re still working more each other. You have a lot of things to raise money. Yeah Well, what I did was initially I made a budget I didn’t know. What about you Videos, which is it sounds bizarre but in school you obviously don’t get taught these things so I have taught us at university So yeah, it’s university. It’s crazy. Yeah yeah, so I started budgeting and then I Gave myself a goal to reach by the end of the year and I can’t remember exactly how much it was But just as an example, whether it was, you know $2,000 by the end of the year and It surprised me because when the end of the year did come around I had five thousand Let’s say in my house and I was trying to be realistic when I read 2000 but I was just so hungry and so Motivated that it just built it up who builds it up and the fact that every cent counts And I think it just accumulated from that and when you walk into your savings account How would you feel I just felt more and more? inspired to keep going and sorry to answer your question the way that I was making money other than being a retailer system was selling the things that I had in my house, you know buying things with cheap and then selling them on eBay as well, which was Yes I didn’t realize that this is a huge market on eBay for bending and Sheridan and all of those things so The other things I was doing was tutoring got some things to be teaching There was primary school kids, you know, I’m teaching them English and maths. Mainly you find that really enjoyable. Yes. It was amazing Because they would come back to me. I’ve got this great class and it made me feel so because I rewarding on different levels. Yeah And then I ended up taking up a second job, and I know not Everybody wants to do that because the tax purposes you get taxed more but but then with there is a lot of people think of beggars in drama you tax the top marginal tax rate you will but It will even out in the wash because the end of the federal year you’ll be taxed of what you earned between the two salaries so it’s almost like war savings because it Yeah, so it was amazing because Actually the money I was getting from tutoring I was using that as my spending money whether other times we thought you were missing out or depriving yourself Were you just so motivating focusing that it was what you gained? That way things? You’re losing? Yes, actually What happened was I eventually burnt out So the problem with this as well is if you work too hard if you overwork yourself You can easily burn out and I ended up hitting that point of my life and It caused me to realize am I actually living or am I just work here? Am I gonna be like this forever? You know at the time me and my partner we were dating for so long I think he was like six years or something cuz we met in high school and I just said to him You know what? I’m focusing so much on money money money money Then I’m not really leaving and what if I die before I get the chance to live So I said screw this let’s get married What have we Prepared But yeah created he was like, you know, what like we’ve been working really hard and we’re just gonna go for it So we ended up getting married. Oh Yeah Okay, the question that’s burning on everyone’s lips So but more question should ask you how much did you say at my local Asian? How do you save up to today? okay, so basically from three years ago when I was 18, I had nothing and then today I was able to say $100,000 so So you you have you know, you say more than I have done on a thousand dollar project because I watched around $3,000 produce and I am I think about like 87,000 Believable, well, the other thing is the other advantage I had was I was living with my parents. So I Didn’t have any bills to pay I wasn’t paying for grocery shopping. They were doing all the spending So that’s and then you know, I would make something a really big point about that So we were our shoes behind that it was easy. Actually. No, there is so much media and conversations about how tough it is for Millennials how They are going to never be able to get into the property market. They don’t have enough discipline that have enough focus There I want right now generation You are proof that that’s not the case at all Living hope is an amazing opportunity to save and you know Thinking create a good nest egg that you can use to get your foot in the door the property market or establish a an innocent Portfolio so and you are living proof that the all is like dreaming low for poor Millennials is okay And this is what I really want to talk about on my channel some videos Next week is about the opportunities and advice out there for Millennials to be like Selene and to really get ahead Now, what is your goal without hundred thousand dollars? So actually what we ended up doing because I spoke to my partner We invested it in different areas. Also a lot of the money we still have like I didn’t spend all of it We are keeping it on this side of emergency money what she always promote and the thing is he never knew what? Emergency money was until I introduced it to him from your channel and it’s being so helpful to have that security We know that if something does go wrong. Just say one of your cars break down You didn’t think about these things, but it will cost you a lot and these things do happen really not Immune from things like that. We get parking fines. We have dental bills medical bills. This is life So yeah, it’s sort of responsible. Yeah. Okay. I want to see one last question You talked about you’ve got your popular husband. I should say. Yeah At times of you guys interesting with each other about money because you’ve been obviously working your Backside off like hustling saving working like long hours And you know, how is your house at being your partner? Yeah, so what happened was once I started to become all motivated from these videos. I tried to Bring them to my level and I realize that not everybody Thinks the same way not everybody has the same life goal and not everyone at that point yet. Yeah There’s a big slowly watching on the sidelines sitting on a fence yeah, they don’t really see jump, but we always have to respect so we reached a point where I Ended up giving human and I said, you know, you’re either on board with me or not because I had this goal but I just really wanted to buy house and that’s the other thing a lot of our money is still there because we want to buy a house and keep saving as well, but Initially, he wasn’t and it frustrated me. So I managed but instead of making an argument about it We spoke about it and communicated and in the end he decided that he wants to go ahead Obviously with the relationship me being his motivation and now he’s doing really well Successful in his job and he’s saving more than me I’m Sicilian I were just say you would Relax you some money early That’s a really tough touchy sensitive subject, but you’re always going to come from a place of motivation inspiration towards your partner And as I said, they’re not always necessarily write they write yet, but you you let silence be a success you never like You know put pressure on or be mean or bully your partner just gently educate Jennings fire Let them see and feel the benefits that you’re experiencing themselves and slowly Like introduce them and show them what you’re doing And eventually they will get on board and you’re never going to be perfectly in sync There’s gonna be some times where one partner is feeling a bit flat and unmotivated Or the other one is thriving that’s what you need to work together as a team be, you know, unite, you know 90 front is what Trump calls it and pull each other through And those times where you both are down you bring it up and you need to be you know You’re very powerful when you can work together whether you’re in sync or not But when you actually connect together and communicate respect But also always come from a place of motivation inspiration from a general perspective. I Am so incredibly proud of you and I am so incredibly inspired by you And so was Tom My boss, my dog’s an event and I saw Chloe Morello and I was telling the employee a baffling and choose life We like know you like believe you could see this email. I pulled it off by some radiator She’s like come on and like this is not this like beautiful Russian blogger. There’s own. She’s like, oh wow Tomorrow I hear all about this so not too old Millennials out there I hope you realize you’ve got an amazing opportunity in front of you to build incredible financial security and wealth Ahead of you, and I love it If you can keep you posted on how you’re going what you’re doing through your journey if your partner as well So that we see this Motivation like obviously it’s been going for a couple of years now, but first going to continue on indefinitely So honored to be able to meet you and you’ve honestly changed my life in my partners and I Look around at all. The people all the friends I have and honestly our Generation is not as motivated and they don’t have that belief because of the media Yeah, that’s how I was initially yeah with media tends to focus on the German gloom and this is where I really want to try to break away from that and There let’s talk about solutions. Let’s talk about strategies That’s yeah, that way we can motivate each other and we can prove the media wrong because someone said is clickbait sometimes You know doing wimps gets people that sells newspapers You know negative news sells unfortunately And I really like to crush that habit and actually like be the voice that leads by example and shows people Little things to have definitely done and one thing I just want to say to the younger audiences It’s so important to also prioritize because of the columns to ground mods as well It’s easy to get sucked in anything that I want this I want this album is and it’s really about biting your tongue And once you start to see the money build up, that’s when you just keep working hard for it. Yeah success Fuels your motivation. Yeah that purpose Alright everyone. Thank you so much for watching Please make sure you check out my other videos and kick eula in my conversations with ellen who also Saved a huge amount of making a very young age on a very humble simple background These are the stories that are going to be your wake-up call to change your ventral future forever Thank you everyone for watching and I will see you next week. Well, that’s a lot of visual indication violently switched on

100 thoughts on “HOW A MILLENNIAL SAVED $100,000 IN 3 YEARS ♥ 9 TIPS FOR SAVING MONEY || SugarMamma.TV

  • This is great, however, it is not a real-life story that pertains to most people who have rent, utilities, food, auto insurance, and auto payments etc. Anyone can save if they have no expenses. It would be inspirational to hear a story about someone with a real life and real expenses and a regular job.

  • Yes Canna! ❤️ We millennials love you and need you.

    It’s always great to hear real stories to know that it’s all possible

  • Totally love this – and will definitely be showing my teens! Thank you both for sharing. But one request, please don't attack "media" as if it were a monolith and universally negative, inaccurate or ill-intentioned. That's simply not true and perpetuates an extremely dangerous current myth.

  • Well she saved but story isn't really an achievement. The reality of living as in food, clothing, shelter are real responsibilities & these real costs of living were paid by someone else. Therefore she was able to save a considerable sum while leaving everyday costs for others to pay.

  • Great video – definitely would like to see more real life inspo stories! Something that I think would be more helpful next time is to share more detail on how the $X was achieved – in this video it didn’t give much context e.g how much was invested & how much did it return at the end of 3 years, vs how much was purely wage earnings from job A, job B etc? That way others can learn how and where the money was generated during such a short time scale. Many thanks!

  • I love your content but I don’t get why you didn’t use a proper microphone for this video. It’s really difficult to hear and understand.

  • @Sugar Mamma
    I love, love, love this success story. Especially the part of how she proposed to her then boyfriend. This deserves 100,000 views.

  • Canna your the reason I'm going to buy my car out right, I don't want to finance I want to own it straight away. In six months I have saved $30,000. You have inspired me to be smart with my money, and yes I'm a Millennial. I always have friends complaining that they can't afford this or can't go on a holiday blah blah but then they spend so much money going out or buying useless things. Lucky my dad is an accountant and taught me from a fairly young age about saving and what I could do with it. However you have inspired me as a female to be in charge of my finances. thank you so much!

  • Very inspiring! I would love to hear more about other millennials out there making it work on a small salary and expensive rent in Syd😁xx

  • Canna, your story about Selina is spreading like wildfire: the German magazine Brigitte quoted her story from the UK newspaper Daily Mail You really give a new meaning to lifting people up and making their lives better – from hard to reach people (like me?!), to people seemingly already at the top. Your generous spirit is so inspiring!

  • In case you want the link:

  • I'm 20 and this has really inspired me to save, I really need to start this journey ❤ thank you for inspiring me

  • I'm not as young as Celine, I am 23 and just managed to purchase my first property/investment property!
    It took me two years to save up for a deposit (I am not as great with saving as Celine or financially savvy when it comes to investing in shares) so it was a tough road to save for that deposit. But getting my foot in the door for property was a huge step!

  • I would love to watch more of your videos. Just a bit of constructive critisism – sound quality is something you should improve.

  • I love watching your videos! They are good when I need motivation and I recently made my vision board as I have a tendency to stray away from the goal in sight! Definitely need to get better not spending money!

  • This is such a lovely video ❤❤

    Canna, have you thought about looking into or having some technical head look into microphones? There are some good ones on Amazon and I bet a search of "youtuber, what mic I use" will help. Haha maybe you already have done this. I think some clip to your shirt ones would be great for this interview format.

    Keep up the inspiration work!!!

  • I was also an inspiration for partner to get on the money responsiblity train. But I didn't do anything. I just showed him what I was doing and what I'd achieved and … Maybe was like … "You're in 33k of debt? ..ewww" haha we were dating then. Now he's a great saver. Married now

  • Well done Selin! You are setting yourself up for good habits for the rest of your life. It really does come down to your daily choices on how much you spend and therefore can save. The “Cash Confessions” series on illustrates the point that people can earn huge incomes and be struggling with finances, while others earn modest incomes and are just crushing it!

  • Canna this is such great info, but the sound quality makes if unpleasant to listen to. Would investing in a great microphone be possible for your business?

  • Awesome vid. Yes $100k in savings is a great achievement but would love to see an interview where a specific goal was attained by someone who has regular weekly/monthly expenses and a step by step in how they achieved that. When I get to my savings goals i would love to share!! Just saying. Lol

  • The equipment isn't very good, had to turn up the volume to max and still couldn't hear great. Also I don't think that this is too realistic for most people as most of us have bills and rent to pay. If I were to live for free with no food or bills to pay for then I'm sure it would be the easiest thing in the world to save as there are no necessities that would have to be paid for. Well done to her, but the video doesn't help and the quality is bad.

  • Wow, this is really motivational. I can understand her being nervous. I was very nervous meeting you since you are so inspiring!

    Since my consultation with you, we have started paying $800 a month extra off our loan and have reduced our loan term by 10 years Am now very motivated to keep going. I have also just purchased my first designer handbag from my own savings, which might be dangerous 😋 Thanks for your wonderful videos and always inspiring me to keep going.

  • Thanks for the video but I'd would not take financial advise from a Millennial who still lives their parents and does not have a degree in finance. This is basic budgeting and saving 101.

  • Was loving this video until the 10 minute mark where we finally learn not only is she not paying rent or bills but not even paying a cent for groceries! I moved out of home at 18. My parents would let me live at home if I wanted but certainly not for FREE. It's called responsibility. I think learning how to live on your own and look after yourself (paying rent, bills, buying groceries, cooking your own food) is better in the long term than six figures in savings at 21. I do all of the above on a minimum wage income and still manage to save half of each paycheque.

  • I love this topic however the sound quality is too poor, I can barely hear what you said. I ended up jump to the subtitles and only watched subtitles. If you could make each video within 5-6 minutes, that would be more attractive. Keep up the good work though!

  • I love this video – very inspirational. In particular the advice about how to negotiate money with your partner, and great tips for saving money. Since I started this project I have gotten out of debt (wasn't a lot) and feel confident with setting my next round of savings! I would love more tips and hacks of how to save money or create income on the side. How do you work out what you value and need to make you happy and the other stuff that is just a waste of money?

  • This is not inspirational at all. Now give me a story where a millennial help their parents save 100,000 by helping them financially. Now that's what I call inspirational. You only advocating for them to be more and more selfish than they already are. Shame.

  • Sorry…it isn't amazing that she saved that much money whenever she doesn't even buy her own food….much less rent, utilities etc. She saved that much money while someone else was taking care of her…it's not incredible nor amazing. What would be inspiring/motivating would be someone who has a moderate income (40,000,-50,000. $ per year) who has to pay rent, utilities, food who saved a large amount of money…that would be inspiring. She had no bills. She was being taken care of.

  • Love this Canna, respect for money is key. After many years I realised one day I didn't have the respect for money I should.

  • The echo from the room is so loud on this video I just can't watch it. Have y'all covered this information anywhere else? I'm sorry I really tried to watch

  • This story does not inspire me at all. I would have preferred to hear from someone who is financially independent of parents and who has matured as an adult and pays thier own bills. Try again.

  • I pay $2200 dollars per month in rent. So even if I save my rent, I can save around $75000 just in rent. Now she does not pay rent, she does not have to pay for utilities and food. What is so special about saving $100,000 without any expenses? This is not at all practical for most people.

  • I can't believe everyone's criticism. What Seline has done is a great achievement. I'm 24 years old and work full time as a Registered Nurse. In two and a half years I have managed to save $90,000 to put towards a deposit on my first home and paid of my $21,000 HECS debt in the space of 5 months. While I am living at home and only pay for my car,petrol,mobile phone etc, it still takes hard work and discipline to save that money. I know many people my age who are in so much debt with brand new cars and brand new phones and they don't have a cent to their name. So well done Seline on your hard work, you should be really proud of what you have achieved! 🙂

  • This would be amazing, if you invested a little bit into audio equipment. Hearing you two talk takes a lot of effort. Great story, just wish the audio quality was clearer.

  • This video will be helpful to many younger millenials still living at home. I look forward to a video about someone in their mid-late 20s, working full time, paying rent and bills, paying off student debt and manage to do the same thing.

  • I find that making a budget brings up a lot of negative emotions. Working 2 teaching positions and barely squeaking by is quite depressing.

  • long intro sis 😐 love hearing people’s feedback x stories but not everyone can work with an annual goal- especially mental health sufferers. (too much pressure)

    however thank you for all your hard work , it makes me appreciate i am not alone in struggle for money and savings xxx

  • Wow saving that much that’s incredible 👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻. Saving and taking advantage of living at home. Many spend all their Money despite loving at home. Good on you 💕💕💕💕💕💕💕💕💕💕💕💕💕💕

  • Saving money is a losing proposition in the long term! Warren Buffet never saved his way to wealth!! Invest in Gold, stocks, bonds, or even better own a CASH FLOW business!! Own Land and lease the land out to a business that pays you a check every month. That is more stable than putting 100k in a savings account and making the Banks RICH!! You are giving banks interest free loan by just saving

  • How much interest can your $100,000 in a savings account give you? answer -> around 0.06% today.. not accounting for US dollar depreciation every year and cost of living rise.

  • Ok so – PLEASE tone down that volume for the intro song. You were speaking so low and calmly and I almost had a heart attack when the intro started.

  • I don’t know what’s motivating about this. Find someone who’s the only provider of a family of 5 on a low to medium income and still manage to save money.

  • Thanks for sharing! Wanted to also share how I saved $150,000 in 5 years with similar concepts:

  • I don't get these kind of videos, especially like the ones that ask "how do I lose weight"? And are there really 9 tips on how to save money? Isn't there really only 1 tip, as in, don't spend more money than you make, and don't take in more calories than you burn. Its common sense.

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