Hi everyone. So today I have an incredible story to share with you. This
is Seline. Seline 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. And was like, Canna that's incredible absolutely amazing. So I
replied back to Seline 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 Millennial's. 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 Millennial's 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 Seline 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 wate,r 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.
Hi everyone welcome back to my channel. I have someone really interesting for everyone to meet. Someone very special and it;s
someone who actually served an amazingly, inspiring and motivating wake-up call to
everyone out there. This is Seline. So basically three years
ago I came across to a channel through Chloe Morello. 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 working retail. It was
about twenty thousand a year. Which really isn't much to work with.
I was also if you need student. I was eighteen years old at the time and I
thought okay let me have a look at this YouTube channel. And it actually blew my
mind that there's a whole world of, you know financial advice. And how to make
more money. How to save. Okay you watched a couple of my videos and what
was your financial situation like? Were you in debt? Were you just spending everything you earned?
Yeah how are you using money in your life and what did money represents you
back then? Yeah so money actually had 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 saving was.
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 . And if we think were there other things like clothing and
shoes? Clothing yes all of that, but majority of my money was going
to nothing. Was there a defining moment were you went
right. I want to have a go doing this myself. Would you start like casually slowly
like leaning into it? How did you go from being that to your position? Well I
realized that there's so much potential in the money industry. 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, I opened up a second account and
yeah. So every cent 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 pick that up. You know now I'm just like every dollar
counts. And I think also when you do that you see you know say to
you know you see twenty cents 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 honour money and that then gets reflected back in your life.
Because what you appreciate, appreciates you. You we're still working in retail. 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 a budget was. Until I watched your videos. Which it sounds bizarre. But in
school you obviously don't get taught these things. You don't get taught this at
university, so it's not just school it's university. So yeah, 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
account. And I was trying to be realistic when I wrote $2000. But I was just so
hungry and so motivated that. It just built it up and built it up. And the
fact that every cent counted. And I think it just accumulated from there. And every time you logged
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 assistant. Was selling the things that I had
in my house. You know buying things for cheap and then selling them on eBay as
well. You were flipping things. Which was yes, I didn't realize that this is a huge market on eBay, for
bed linen, Sheridan and all of those things. So the other things I was doing
was tutoring. What sort of things were you teaching? There was primary school kids
you know I'm teaching them, English and maths mainly. And did you find that really
enjoyable? Yes it was amazing, because they would come back to me. and be like Oh I
got this grade in class and it made me feel so. So 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 of tax purposes, you get taxed more. But then
with there is a lot of people think of i guess the drama you tax the top
marginal tax rate. You will but it will even out in the wash. Because the end of
the financial year, you'll be taxed of what you earned between the two salaries. So
it's almost like forced savings because it means your get a good tax refund. 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 motivated focusing that it was what you gained the things
you were losing? Yes actually it 's funny because 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 working? Am I gonna
be like this forever. You know at the time me and my partner and I were dating
for so long I think it was like six years or something. Because we met in high
school. And I just said to him you know what I'm focusing so much on money, money,
money, money. That I'm not really living and what if I die before I get the
chance to live. So I said, screw this let's get married.
What happened was, so Kind of proposed. But yeah he agreed 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 earlier this year. Oh congratulations, that's so cool! Oh yeah okay the question that's burning on everyone's
lips. Because I have more questions to ask you. How much did you save by what stage. And how much have you saved 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.
That's just you, not your partner too? You have you know what you have saved more than I have done on a thousand dollar project.
Because I am up to round three of The $1000 Project. And I am I think about like eighty something thousand.
You have whipped my arse. You are unbelievable. 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 helped me. And then you know I
would make a really big point about that. Because some people are like 'oh she was at home that would have been easy'.
Actually no, there is so much media and conversations about how
tough it is for Millennial's. 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 at home is an amazing opportunity to save. And you know create a good
nest egg, that you can use to get your foot in the door the property market. Or
establish an investment portfolio. So and you are living proof that all is
like doom and gloom for poor Millennial's is not
okay. 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 Millennial's. To be
like Seline and to really get ahead. Now what is your goal with that 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 the side for emergency
money. Which you always promote. And the thing is he never knew what emergency
money was until I introduced it to him to your channel. And it's been 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 we are not immune from things
like that. We get parking fines, we have dental bills, medical bills. This is life.
So yeah it's so of responsible. Yeah. Okay I want to ask you one last question. You
talked about you've got your husband I should say. At times were
you guys in sync 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 has that been with your partner? Yeah so, what happened was
once I started to become all motivated from these videos. I tried to bring him
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.
They may be slowly watching on the sidelines, sitting on the fence.
They are not ready to jump but we always have to respect that. So we reached a
point where I ended up giving him and ultimatum. 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 he's saving as well. But initially he wasn't and it
frustrated me so much. 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. Is he more motivated than you now?
I'm still more. Just saying you relationships and money are a really tough, touchy,
sensitive subject. But you have always going to come from a place of motivation,
inspiration towards your partner. And as I said they're not always necessarily
right there yet. But you let silence be a success. You never like, you
know put pressure on or be mean or bully your partner. Just gently educate,
gently inspire. Let them see and feel the benefits that you're experiencing
yourselves. 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 a united front is what Tom 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.
It's funny last night I was at an event and I saw Chloe Morello and I was telling
Chloe about Seline. And she was laughing. And I was like know you like believe you could see
this email. I pulled it up and I started reading it to her and she was like 'Oh my god.'
There was anothier beautiful Russian blogger there's. And she's like oh wow.
I'm meeting her tomorrow. I'm going tohear all about this. So to all the Millennial's 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 me posted on how you're going. What you're doing through your journey for
your partner as well. So that we see this motivation. Like obviously it's been
going for a couple of years now. But I'm sure it's going to continue on indefinitely.
So honored to be able to meet you and, you've honestly changed my life and 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. That's how I was initially. The media
tends to focus on the doom and gloom and this is where I really want to try to
break away from that. And let's talk about solutions, let's talk about
strategies. That's way we can motivate each other and we can prove the
media wrong. Because sometimes that is click-bait. Sometimes you know doom and gloom
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 .
You 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 instagram world as well. It's easy
to get sucked in. And think that I want this, I want this. 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. And that progress. Alright everyone thank you so much for
watching. Please make sure you check out my other videos in particular my
conversations with Ellen. Who also saved a huge amount of money at 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 financial future forever.
Thank you everyone for watching and I will see you next week
for lifestyle love. And make sure that notification button is switched on.
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