You prolly dont care but does someone know a tool to log back into an instagram account? I was stupid forgot my account password. I love any tricks you can offer me.
No surprise people have poor listening skills. She literally said: she got raises work, she saved her money, she lived below her means, she increased her income streams, and she invested her money. What is so confusing about this?😂
The trick is to live as minimal as possible...even if you get that salary increase. I agree with you 100% I used this theory...and I was able to extend and renovate my dad house debt free. Now I must implement again for own person goals. Love and light to you 😘
Kgomotso Maleme you become a Scrooge in the process. I'd rather you bump up your sources of income as you bumb up your lifestyle. Saving is good but when a fat account becomes your God, you'll deny yourself even healthcare inorder to get big alerts. I know. I've been there...
I have to repeat 2 modules and my friends are graduating. I’m so devastated , so finding your page has been very therapeutic. You’re such an inspiration.
Although its baffling how your salary got bumped up from 4k to 51k in a short span of time with no qualification, I understand your principle and the lesson you are trying to teach. Thank you for the content 🔥 I want to start saving and living below my means and resisting the pressures of peers
I don't have siblings but you're like a sister to me. I've literally watched all of your videos and today I have a couple of investments to my name, Thank you so much ausi wam.
You are sooo disciplined, it’s very hard to keep ur current lifestyle when ur salary goes up. But thank you for sharing I am learning a lot through these videos 🙏🏼
Mandisa Mpisane I think it helped that I was from the rurals and had lived in boarding schools so I didn’t really know nice things to spend money on. I don’t have a consumer culture
I just started watching your TH-cam videos this year and man! This one has to be the most inspiring video ever. It opened my eyes as to how I'm making stupid financial decisions. Thank you so much for this. God bless you.
Catchy title for your vid..definitely sparks interest. while your conveyed a couple of useful things u DIDNOT tell us the nature of the income stream that earned you a million..a quick calculation using the salaries you earned will not add us up to a million..i think you need to do a sequel to your video.. a million is NOT an easy amount to just "save" you way into... so give us another video of how you actually became a millionaire!
Her $1,000,000 South African Rand(ZAR) equals $72,293 USD. That being said she is definitely sharing some valid living lessons to follow. Discipline people.
@@anevaluator6606 the salary jump if u are moving from a technical to a management position is very doable (i've doubled mine in record time before) but she just needs to give us more info!
Her $1,000,000 South African Rand(ZAR) equals $72,293 USD. That being said she is definitely sharing some valid living lessons to follow. Discipline people.
You can't compare currencies like that. It's not that simple for one there's the issue of purchasing power and cost of living which differ significantly according to eg city and currency. I'm not discrediting saving but it is not as simple and easy as she makes it. Let us not forget the fact that saving money also costs money eg bank fees and tax. If you are going to give people "advice" tell them the full story. Plus this girl is either lying or she's not telling the full story. A black girl in SA without a degree getting a promotion every few months as well as 100% salary increases each time? Please... That is not the full story!
tigerstripes look at it in terms of the cost of living there...regardless if you’re in the US and you are able to make an Extra income of 72,000 in a year after meeting all your expenses you’re practically in the top 5%. The principles she’s talking about remain the same regardless of the country you’re in. In fact it even easier to to in the US than South Africa
Ive realised that a loot of black people have money fear.some here critisize this video because they think its unrealistic.its actually not,things will obviously not take the same out of time as they did with her,but this is doable.stop buying expensive cars and taking out unnecessary loans.the other day i saw a vid ya ga dj sbu also talking about how he messed up his finances by living a luxury life just to prove to people that he has money.and another thing,guys.stop this thing of expecting the government to give you money to start your business.start small,like sell clothes or weaves or muffins,whatever the case may be.start small and work your way up.and stay disciplined!!
I'm really curious and love finances as a concept so I did spend time in the last few weeks reserching the whole idea of ”free online incomes” and I have to say I think most of the things out there are scams. For the past 3 weeks I have been making $8000 weekly. I succeeded in it, and if you want, you'll be successful, too! It won't hurt me if I share this secret with you. You dont need technical skills to enroll and all you need is to follow outlined guidlines and you will see results in just day. I cannot believe the kind of positive things that has happened to me financially, I am calling on anyone who wants financial freedom to contact cryptomint3r@gmail.com They are looking for 20 partners to work with. You can also contact them for debt clearance and credit score repairs.
Cryptocurrency has the power to change the world economy and it's a good market to invest your money,Thanks to David strategy how powerful and efficient trading on bitcoin could be with His strategy in just 2 weeks i made up to R6,691,884. You can contact via email at grayddavid@gmail.com
My dad taught me a lesson on saving that had my butt hurting. From that I saved most of my life. But then my money got "stolen" at home. So started learning about banks and savings accounts. Then I started working. From 5000 a month and no debt at a young age. I was rich. I was lending money out to my brothers on the regular. I got promoted and everything was great. I bought a car almost cash. But then met a girl got engaged and my whole life got turned upside down. I went from being rich to being 800 000 in debt now and retrenched. I'm currently on a journey to pay off my debt. Fingers crossed this year. The lesson was... don't have kids. don't let your partner pressure you into a lifestyle you don't agree with. Be careful who you let into your life. Cause I'm not really friends with most of my family or friends now.
Oh no I hate that u put all that work in and went through all of that! I too had a similar situation in my last relationship I'm doing my best to get back above water and be debt free! How are things going for u today?
@@CPR4THEBODYlivingaenrichedlife I am debt free. I sold everything I owned. Paid off what I could. Moved back home. Started doing freelance work and paid off most of my debt. I have two hobbies that is a constant income stream and now I learned that with Covid no one is going to come down and help you 😂😂 you need patience discipline and surr people will look at you funny and call you broke but it's not what they think that matters. I'm up I got half a house so far paid and I got a old car that I fixed up. It's not a mercedes but it gets me around I also know how to service it myself. It's a old ford bakkie. This pandemic just made me a different animal.
I love the video. I personally don't think she became millionaire by accident. The steps she followed are clear. I love how she managed to live below her means. Living within your means is not good enough in wealth creation. Thank you for sharing
One great way to save is pay yourself first.. when you get paid throw $25 into a ROTH IRA (no relation). If you do this regularly, you will end up with $30-40000 in 3-5 years. quarantined. Pay yourself first!!!!
Zee Heavens start now youngster! Max out your 401k if you have one and any matching funds programs your employee offers get into it!!! If you're not sure what's available to you, go to human resources and FIND OUT!!! You could easily be a millionaire when you retired if you do these things at this age. You don't need a great big salary, you have time on your side. Get these things in order and just be consistent. It will pay big time, because sweetheart, you won't always be young(:-)))
@@FinancialBunny No need for creativeness at the moment. But I love that's so informative, which that when you watching you don't realise it's a long video
She had the advantage of living outside of North America but the principles are overall the same. Be frugal, invest into stocks, real estate or your own entrepreneurial pursuits and when you make more money stay the exact same while saving or reinvesting the surplus.
Huh? How is living outside America an advantage? If she applied those principles to America she’d be a millionaire in USD not Rand, which means she’d be worth 15 times as much
hahaa...that book changed my life!im glad I read it whist still in varsity.so by the time I graduated I was all about priorities and multiple sources of income.im not a millionaire yet(coming from a poor family,instead of saving and investing you start by renovating the parents house lol...) but im happy with where I am now.
Hi, I hear your story, very interesting but you were fortunate in a sense that you were promoted yearly and no qualifications. I give you props for knowing how to handle your finances and made the best of it👏🏾👏🏾
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I don’t understand what some people are typing in here but what she is saying is wisdom!! No magic, nothing extra... just common sense. I always say it doesn’t make sense to increase your expenses when your income hasn’t increased or highly changed. Great video beauty... I’m glad I’m not the only one that think this way 🙌🏾🙌🏾
what ever You’re very right 👌🏾 For a start tho, that’s a stretch for a lot of people, except it’s an habit before the pay increase. It also depends on other factors, a lot happens in each person’s life, but I totally understand what you mean. Your summary was basically what she did🙌🏾
Oh my, this hits home. South Africa has more opportunities than Namibia. But this helps! We've heard that too many times. You are an amazing woman, your content is amazing and helpful! ♡
I still didn’t get how you made a million. You saved your way to millionaire status or what? What job were you doing. Did you start a side business or something? Your video lacks a lot of specifics.
Hi Nicolette, I like what you are doing- you give advice based on what you achieved. People need to understand we don’t all have to follow the same path but some principles on wealth creation stay the same. Nna ke re pele ya pele 🍾💃🏽
From a salary of 4k to 13k then 50k and then double that without no qualification in a period of 2 years is extra ordinary. You had a very generous babd God sent boss, coz most companies will keep you at the same salary, a few awards here and there and slave you.
your idea is good, the problem is that it needs money and lots of luck for South Africans, having your salary multiply by 12 in less that 2 years is highly unlikely, you have to be very lucky despite your work rate and success..... but you are accurate on the idea, it is what i support too. many of our young people earning a few tenths of thousands can become millionaires quickly if they don't all flock to Midrand to rent and chase a certain middle class standard of wasting money.
mohau thekiso but the rule is the same despite how much you earn. The message is spend less than you earn. Live beneath your means and don’t increase spend when your salary increases. The numbers I give you are mine. How easy it could have been for me to live a luxury life
@@FinancialBunny i agree with that part i understand it and i have been practicing it for years, my comment says you are accurate there...... but you also have to agree that the way your numbers boomed up does not happen to anyone as likely.... it has to do with luck.
Okay, I think I'm missing something. My question then: HOW did you become a millionaire? You're a great motivational speaker, basically telling us not to conform to societal pressure. I do get that and agree 100% but a bit more clarity will do. Many comments here are seeking clarity on the HOW factor, I'm also one of them. Love your videos, love your content, and love how well spoken you are. Thank you for encouraging most of us Black, young women. Kudos
The money figures she's talking about, if one is working for the Government, it means they must first earn a Director post and then save money and become a millionaire. Also, don't succumb to Black Tax, SARS, Environmental costs etc.
@@JohnnyMavuso Not quite, it depends where you are. Some Directors in govt are still deep in debt. Downgrade your lifestyle for a few years and you will become a millionaire too.
I love that book...Live beneath your means and save more than you spending.No faking it to impress people who contribute nothing to is.Let's put in the work , sacrifice and research. Wisdom right here..good video 😍😍
It is always good to share tips that changes people's lives. However, I was expecting the specifications on what job you were doing, how did you get promoted in such a short space of time and earned more than 100% of your initial salary. How much petrol we you buying per month while you were still earning a salary of R 5000.00? I take it your video is meant to inspire and motivate others but some of the things you said are unrealistic and lack explanation. You ignore a lot of questions regarding what you were doing and in which company. I am not disputing the possibilities but the pace and how easy you achieved all this raise ethical concerns.
@@bandilesibizo4810 R 4100 + R1000(from Dad), rent R2000+ car R2000 that means she had R1100 to live on...would you buy petrol and food in that amount? Plus cosmetics...try to make sense of it
Eddy Ntimbane maybe she didn’t buy makeup and everything she just lived on her needs 🤷🏽♀️. And at it sounds like her dad took care of most of her expenses so she survived & used his money and saved hers only thing that makes sense atm 🤷🏽♀️
Eddy I think you are right,this is one of the reason why I don’t usually listen to S.A motivation when I’m on bad space, I don’t I think everyone is just fast forward to tell us about their life during when money was more and rich One thing that they miss which can improve South Africa and decrease VAT is where exactly they started and more information about step major to afford
@@faithlebomokabane5472 That is a thing. I think SA motivational speakers fail to give practical steps to how things are done, and when you follow their stories you find something new each time. There is a tweet where she wrote about how she managed to live on 10K salary but now that 10K salary is not mentioned.
I love your content! I know your family is proud of you. You are young & brilliant! I would definitely love to sit down & chat with you whenever I make to SA.
I earn a high salary and invest in my small businesses as well as investing my money while living in a 2 by 8 apartment with no dept. It is working very well so far 🙂. I think the problem is people are not patient enough in their journey and succumb to the pressure of what you talked about, which is comparing themselves to the level that their friends are on. A person has to remain self-aware of who they are and their situation by remaining consistent and disciplined to achieve their goal. SELF-AWARENESS!!! 👌 Great video!!!
I earn R20000 and I’m 23 and I was reckless with my money but I started saving in June thanx to you Aus N and I live below my means. I aim to buy my 1st house when I’m 25
@@fahsibosithole5387 hey I'm working overseas just converted it in rands I know it ain't much but for someone like me who is fresh from varsity I'm happy and I love the fact that it increases annually. But I agree with her it doesn't matter what you do or which sector you work in the aim is to live below your means and save and get multiple incomes
@@fahsibosithole5387 thank you so much. I'm doing a bit of research for which companies to invest in back at home. Have shares and so on lol and I'm clueless about that
@@oreabetsemmekoa5345 Hi Nana, how are you? So from the 20K, how much do you spend on: 1) Food 2) Accommodation 3) Transportation And how much are you left with after all those deductions/necessities? Hope it's not too personal.
The millionaire next door is a brilliant book! It’s never leaving my library. It will be one of the first few books I give to my children to read. Probably will save this video also so that they see how daddy and a few other wise people got their riches. Nice 1!
I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.
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I am a first year student at varsity and there's a video of you that was used in a certain module I am doing I think it was based on how one should be disciplined when it comes to money.Its funny how I went to the bank 2 months later to open an investment account...Thank you sis
This advice is so key. I always aim to keep my expenses super low as well. But I think my monthly income is just not growing fast enough. I'm working on some additional sources of income, coz honestly corporate is not enough. My goal is to be a millionaire by 30.
Yass girl. Preach! I'm so glad this was recommended to me because I was just about to succumb to pressure but I'll be patient and save up for a bit before moving to a better apartment.
This is great, most especially coming from a you black lady in RSA! Her points: --It's not about how much you make but how much you keep! --Whatever money you are making, try to live below your means! --Do not acquire debt! --Try to find other income streams... do pizza deliveries on a weekend or something. --Save and invest some money! --Don't succumb to the pressure of trying to live like your friends/peers. Do you! If you want to follow this ladies advice but are way in debt and not sure how to get out, please watch Dave Ramsey. Thanks Nicolette!
This is the first investment video I actually like. It’s not one of those get rich quick scams that you find all over the internet. I also have a gift of saving & creating 3-4 income streams all at once yet use less. I had my first million at a very young age. 😊
you the best, although this year nyised me , but you the greatest thing I discovered, keep Sharing those information . you the best Nicolet, may you stay winning
People are talking about "hei hei something is fishy about this" and "she is not telling us HOW and what job she was doing...". LISTEN to the lady! Never mind what job she was doing and how much she earned. The points are there... --It's not about how much you make but how much you keep! --Whatever money you are making, try to live below your means! --Do not acquire debt! --Try to find other income streams... do pizza deliveries on a weekend or something. --Save and invest some money! --Don't succumb to the pressure of trying to live like your friends/peers. Do you! People who are hating on this video are obviously broke and are going to stay broke. If you want to follow this ladies advice but are way in debt and not sure how to get out, please watch Dave Ramsey. Thanks for this video sisi.
M actually sitting on a book that can make me a millionaire. Lol I could be reading it but I have other books m reading I need to open that book. Thanks girl.
Wow I can relate so much to your university story,I’m doing my 2nd year and on this day I had the worst exam experience to a point where I just left the exam,crying so much and I just got home and it landed me here.💫🌻
Thank you for sharing. Take a deep breath in and breath out, calm down your speech just a bit so ALL who view this priceless information can benefit from each precious word spoken.
Gurl!! You have a new subbie! I loved this video and the content! We can really change our generational wealth when we become wise on how to handle money and not let it burn our pockets as Lisa Nichols likes to say! Thanks for this. Looking forward to more videos! Loved your personality from the get go!
Jeeez Sis Nico I thought you would tell us that you invented something like internet and apparently I was very wrong otherwise thanks for showing us that "you don't have to be great to start" And again could you please explain to me what's that that you always did while you were still working that always got promoted please 😂😂
I'm glad you proved your family wrong when it comes to making a living. I'm also the black sheep of my African household, Getting rich is automatic if you have a plan.
YOur blessed.. but not everyone has parents that are able to help their kids get where you are now.. you will never know or understand what people go through until you walk in their shoes! Stay blessed and be thankful! God is good!
Thank you for sharing. Sometimes plain English is too much for people to comprehend. Stop spending and save. Realize you don’t need everything, sacrifice for the goal. End of story. Everyone’s situation is unique. If a paraplegic can climb Mt. Kilimanjaro..... Moral of the story, stop making excuses and make changes to get what you want! Thank you again! You don’t have to tell people what you at for breakfast so that they can grow. What you eat may make me sick so I need to figure out my own diet to keep me healthy🧐.
Not bad advice, but I don’t agree that it’s that cut and dry! Most of us enter the job market with 1-2 siblings to put through college and heaps of ‘black taxes’ to pay..and not to mention student loans..so you basically start at a deficit. Debt becomes very difficult to avoid! But I cannot knock the advice, it’s good but I wonder how practical it is in the Sout African context!
Heeey, I am sitting here thinking to myself: "I must be a useless piece of Garbage. There is someone that went from R4k to R100k in 4 years, working for the same company?"
Nuh much of specifications on how u become a millionaire, but it's quite clear enough for me to say i'm kinda intrigue and inspired by ur sophisticated ideas of investments. can't imagine how tough it'ld be for u to be able to resist most of thing u needed but then ignored them. TBH i'm actually impressed even though our australian stystems and salary wages are totally different i think i might give it a shot. thnx again sis.
@@MoneyGist I guess it is but most SAns who live a middle class lifestyle earn around R10k to R15K...trust m they make it work coz they afford a decent lifestyle but nothing to save, let alone invest afterwards 😂... reality That is the reality of a normal citizen. Same as our financial bunny when she was earning R4 she was living beyond her means, paying rent for R2k and a car(which I feel is unnecessary when u earn that low) R2K...Her advise is practical when one earns R25k and more and she is the evidence of that practicality 😂
Thank you very much for sharing such wisdom I am 21 working and studying at the same time the preassure is too much at times but with what you have just said I am super empowered and surely in the near or far future I will be the millionaire next door It's a marathon I AM DOING IT!!!
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Multiple streams of income and saving is KEY to financial success.
Mutiple streams of income and investments is the KEY to financial Freedom
You prolly dont care but does someone know a tool to log back into an instagram account?
I was stupid forgot my account password. I love any tricks you can offer me.
How to become a millionaire:
1. Live below your means
2. Have no debt
3. Have multiple streams of income
How?
Correct
are you a millionaire?
4. Rich Father
How do we have multiple imcome streams. Thats what we wanna know
No surprise people have poor listening skills. She literally said: she got raises work, she saved her money, she lived below her means, she increased her income streams, and she invested her money. What is so confusing about this?😂
Thank you, I could kiss your feet
2018 im 30 and still earning 3500. but your videos give some of us hope. thank you.
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Pebetse Lesufi Kgotlelela Pebetse! Get ideas and make plans, execute and do it over and over till you get your big break. that’s it. God bless you 🙏🏽
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Pebetse Lesufi this is Soooooooo sad
Titi Dlamini what do you do
The trick is to live as minimal as possible...even if you get that salary increase.
I agree with you 100%
I used this theory...and I was able to extend and renovate my dad house debt free.
Now I must implement again for own person goals.
Love and light to you 😘
Kgomotso Maleme you become a Scrooge in the process. I'd rather you bump up your sources of income as you bumb up your lifestyle.
Saving is good but when a fat account becomes your God, you'll deny yourself even healthcare inorder to get big alerts. I know. I've been there...
thank you so much , hmmm you've just made my day
Helen Enang! Omg, this s so true. I have been there as well!
I have to repeat 2 modules and my friends are graduating. I’m so devastated , so finding your page has been very therapeutic. You’re such an inspiration.
From 4K to over 50K in such a short space of time... with no qualifications, WILD. You lead a charmed life.
bra
Where was she working? She wont answer
Although its baffling how your salary got bumped up from 4k to 51k in a short span of time with no qualification, I understand your principle and the lesson you are trying to teach. Thank you for the content 🔥 I want to start saving and living below my means and resisting the pressures of peers
Right
I was also surpised. But good lessons none the less.
My question Is the type of job she was working
@@pusep132 my question as well.
I also wondered 😊
I don't have siblings but you're like a sister to me. I've literally watched all of your videos and today I have a couple of investments to my name, Thank you so much ausi wam.
Cali_ TheNerd oh my goodness that makes my heart happy
You are sooo disciplined, it’s very hard to keep ur current lifestyle when ur salary goes up. But thank you for sharing I am learning a lot through these videos 🙏🏼
Mandisa Mpisane I think it helped that I was from the rurals and had lived in boarding schools so I didn’t really know nice things to spend money on. I don’t have a consumer culture
Staying in our lane is very important for financial growth. Love u Nicolette😘
Woow..., what ales on!!!
chester macheeza Hey...I just got my account loaded with $40k and my score got increased without any payment... jaimerobert52 did the job on Instagram
I just started watching your TH-cam videos this year and man! This one has to be the most inspiring video ever. It opened my eyes as to how I'm making stupid financial decisions. Thank you so much for this. God bless you.
Your videos ALWAYS leave me inspired to be more financially responsible and matured.
Catchy title for your vid..definitely sparks interest. while your conveyed a couple of useful things u DIDNOT tell us the nature of the income stream that earned you a million..a quick calculation using the salaries you earned will not add us up to a million..i think you need to do a sequel to your video.. a million is NOT an easy amount to just "save" you way into... so give us another video of how you actually became a millionaire!
Lester Madondo exactly my point. And the salary jump every year!! What type of job did she have 4K to 13 to 26k to 51k within 3 years
Her $1,000,000 South African Rand(ZAR) equals $72,293 USD. That being said she is definitely sharing some valid living lessons to follow. Discipline people.
Lester Madondo maybe you didn’t watch the full video. But I am happy to do another video to reiterate some things.
@@anevaluator6606 the salary jump if u are moving from a technical to a management position is very doable (i've doubled mine in record time before) but she just needs to give us more info!
@@FinancialBunny Please do!
Her $1,000,000 South African Rand(ZAR) equals $72,293 USD. That being said she is definitely sharing some valid living lessons to follow. Discipline people.
You can't compare currencies like that. It's not that simple for one there's the issue of purchasing power and cost of living which differ significantly according to eg city and currency. I'm not discrediting saving but it is not as simple and easy as she makes it. Let us not forget the fact that saving money also costs money eg bank fees and tax. If you are going to give people "advice" tell them the full story. Plus this girl is either lying or she's not telling the full story. A black girl in SA without a degree getting a promotion every few months as well as 100% salary increases each time? Please... That is not the full story!
Uuuuugh! I thought this was US DOLLARS! SCAMMER 😑
T Richardson it’s more than $72 000 dollars
It's a lot anyways
tigerstripes look at it in terms of the cost of living there...regardless if you’re in the US and you are able to make an Extra income of 72,000 in a year after meeting all your expenses you’re practically in the top 5%.
The principles she’s talking about remain the same regardless of the country you’re in. In fact it even easier to to in the US than South Africa
Ive realised that a loot of black people have money fear.some here critisize this video because they think its unrealistic.its actually not,things will obviously not take the same out of time as they did with her,but this is doable.stop buying expensive cars and taking out unnecessary loans.the other day i saw a vid ya ga dj sbu also talking about how he messed up his finances by living a luxury life just to prove to people that he has money.and another thing,guys.stop this thing of expecting the government to give you money to start your business.start small,like sell clothes or weaves or muffins,whatever the case may be.start small and work your way up.and stay disciplined!!
Thats true, we just need to start very small and save as much as possible
I'm really curious and love finances as a concept so I did spend time in the last few weeks reserching the whole idea of ”free online incomes” and I have to say I think most of the things out there are scams. For the past 3 weeks I have been making $8000 weekly. I succeeded in it, and if you want, you'll be successful, too! It won't hurt me if I share this secret with you. You dont need technical skills to enroll and all you need is to follow outlined guidlines and you will see results in just day. I cannot believe the kind of positive things that has happened to me financially, I am calling on anyone who wants financial freedom to contact cryptomint3r@gmail.com They are looking for 20 partners to work with. You can also contact them for debt clearance and credit score repairs.
Cryptocurrency has the power to change the world economy and it's a good market to invest your money,Thanks to David strategy how powerful and efficient trading on bitcoin could be with His strategy in just 2 weeks i made up to R6,691,884. You can contact via email at grayddavid@gmail.com
hi
Well said🙌🏾
My dad taught me a lesson on saving that had my butt hurting. From that I saved most of my life. But then my money got "stolen" at home. So started learning about banks and savings accounts. Then I started working. From 5000 a month and no debt at a young age. I was rich. I was lending money out to my brothers on the regular. I got promoted and everything was great. I bought a car almost cash. But then met a girl got engaged and my whole life got turned upside down. I went from being rich to being 800 000 in debt now and retrenched. I'm currently on a journey to pay off my debt. Fingers crossed this year. The lesson was... don't have kids. don't let your partner pressure you into a lifestyle you don't agree with. Be careful who you let into your life. Cause I'm not really friends with most of my family or friends now.
Oh no I hate that u put all that work in and went through all of that! I too had a similar situation in my last relationship I'm doing my best to get back above water and be debt free! How are things going for u today?
@@CPR4THEBODYlivingaenrichedlife I am debt free. I sold everything I owned. Paid off what I could. Moved back home. Started doing freelance work and paid off most of my debt. I have two hobbies that is a constant income stream and now I learned that with Covid no one is going to come down and help you 😂😂 you need patience discipline and surr people will look at you funny and call you broke but it's not what they think that matters. I'm up I got half a house so far paid and I got a old car that I fixed up. It's not a mercedes but it gets me around I also know how to service it myself. It's a old ford bakkie. This pandemic just made me a different animal.
I love the video. I personally don't think she became millionaire by accident. The steps she followed are clear. I love how she managed to live below her means. Living within your means is not good enough in wealth creation. Thank you for sharing
Very happy that I bumped into the video, I'm really young but feel like I don't save. You really encouraged me😊
me too hey am on some saving tip now
Me too!!!😍
Kholiswa M Im trying to save too
One great way to save is pay yourself first.. when you get paid throw $25 into a ROTH IRA (no relation). If you do this regularly, you will end up with $30-40000 in 3-5 years. quarantined. Pay yourself first!!!!
Zee Heavens start now youngster! Max out your 401k if you have one and any matching funds programs your employee offers get into it!!! If you're not sure what's available to you, go to human resources and FIND OUT!!! You could easily be a millionaire when you retired if you do these things at this age. You don't need a great big salary, you have time on your side. Get these things in order and just be consistent. It will pay big time, because sweetheart, you won't always be young(:-)))
It's not about how creative the video is but the Quality of Nicolette content
Lauren Booysen thank you. The vids are already long so making them creative takes away more time
@@FinancialBunny No need for creativeness at the moment. But I love that's so informative, which that when you watching you don't realise it's a long video
She had the advantage of living outside of North America but the principles are overall the same. Be frugal, invest into stocks, real estate or your own entrepreneurial pursuits and when you make more money stay the exact same while saving or reinvesting the surplus.
The advantage... scratches head 🤔
LOL Advantage of stayin in on of the countries with the highest unemployment rates . Okurr
@@MoneyGist if you still don't know, don't come to the states until you've read a history book
Huh? How is living outside America an advantage? If she applied those principles to America she’d be a millionaire in USD not Rand, which means she’d be worth 15 times as much
@@knowitall3892 Actually in the states atm so... your advice came a bit late?
Nicolette is revealing a lot of secrets lately. I knew that you saved your salary. Very wise
N
You are more than a blessing. You are an asset to my financial health and growth! Thanks girl! ✨✨🙏
You had an amazing job hey! 3 promotions in 2 years 😍 I love this video, we turn to add on the lifestyle as soon as we get an extra R1000😩
I can tell she read 'RICH DAD POOR DAD"
Yes...u can tell. She peaks my language
hahah im listening to the audio book rn!
hahaa...that book changed my life!im glad I read it whist still in varsity.so by the time I graduated I was all about priorities and multiple sources of income.im not a millionaire yet(coming from a poor family,instead of saving and investing you start by renovating the parents house lol...) but im happy with where I am now.
@@mgeijho You will get there. All the best Gee....
@@kitsoyaonephatudi1274 thanks K!
Hi, I hear your story, very interesting but you were fortunate in a sense that you were promoted yearly and no qualifications. I give you props for knowing how to handle your finances and made the best of it👏🏾👏🏾
She made more and spend less. Got what was necessary,not what everyone else was getting. She stayed in her own lane.
Demetrius Johnson I appreciate you
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I don’t understand what some people are typing in here but what she is saying is wisdom!! No magic, nothing extra... just common sense. I always say it doesn’t make sense to increase your expenses when your income hasn’t increased or highly changed. Great video beauty... I’m glad I’m not the only one that think this way 🙌🏾🙌🏾
what ever You’re very right 👌🏾 For a start tho, that’s a stretch for a lot of people, except it’s an habit before the pay increase. It also depends on other factors, a lot happens in each person’s life, but I totally understand what you mean. Your summary was basically what she did🙌🏾
I am going to download this and listen to it everyday...
vuyokazi nocuze me and you dear
This is such great advice!
@@wangamzileni7488 sub me
Oh my, this hits home.
South Africa has more opportunities than Namibia. But this helps! We've heard that too many times. You are an amazing woman, your content is amazing and helpful! ♡
I still didn’t get how you made a million. You saved your way to millionaire status or what? What job were you doing. Did you start a side business or something? Your video lacks a lot of specifics.
Elisabeth Olaniyan k
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Around 6.58 increase her streams of income. On top of saving , living below her means . I hope this helps
Million Rand.
It was a waste of time tbh. She didnt say anything
My first ever video of yours, that literally changed my life, thank you very much for giving direction.
Are you really a millionaire? the manner you articulate your issues is very simplistic and becoming a millionaire takes more than just that
This takes an intense amount of discipline you deserve an applause
Hi Nicolette, I like what you are doing- you give advice based on what you achieved. People need to understand we don’t all have to follow the same path but some principles on wealth creation stay the same. Nna ke re pele ya pele 🍾💃🏽
From a salary of 4k to 13k then 50k and then double that without no qualification in a period of 2 years is extra ordinary. You had a very generous babd God sent boss, coz most companies will keep you at the same salary, a few awards here and there and slave you.
your idea is good, the problem is that it needs money and lots of luck for South Africans, having your salary multiply by 12 in less that 2 years is highly unlikely, you have to be very lucky despite your work rate and success..... but you are accurate on the idea, it is what i support too. many of our young people earning a few tenths of thousands can become millionaires quickly if they don't all flock to Midrand to rent and chase a certain middle class standard of wasting money.
mohau thekiso but the rule is the same despite how much you earn. The message is spend less than you earn. Live beneath your means and don’t increase spend when your salary increases. The numbers I give you are mine. How easy it could have been for me to live a luxury life
@@FinancialBunny i agree with that part i understand it and i have been practicing it for years, my comment says you are accurate there...... but you also have to agree that the way your numbers boomed up does not happen to anyone as likely.... it has to do with luck.
mohau thekiso definitely I’m conscious of that and perhaps that made it easier.
@@FinancialBunny million rand haha, its not a million usa, but congrats. Im close to a million rand.
Compoundinterest stockguy! Do I live in the USA😴 Ase mo states mo
This video still touches me, just in a different way now than the first time I watched it. Thanks bunny
Okay, I think I'm missing something. My question then: HOW did you become a millionaire? You're a great motivational speaker, basically telling us not to conform to societal pressure. I do get that and agree 100% but a bit more clarity will do. Many comments here are seeking clarity on the HOW factor, I'm also one of them. Love your videos, love your content, and love how well spoken you are. Thank you for encouraging most of us Black, young women. Kudos
The money figures she's talking about, if one is working for the Government, it means they must first earn a Director post and then save money and become a millionaire.
Also, don't succumb to Black Tax, SARS, Environmental costs etc.
She’s giving you the basic principles which is the value in the video
@@JohnnyMavuso Not quite, it depends where you are. Some Directors in govt are still deep in debt. Downgrade your lifestyle for a few years and you will become a millionaire too.
I also think she's a good motivational speaker but she insists she doesn't like motivational speakers🤔
@@_molebogeng6281 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
I love that book...Live beneath your means and save more than you spending.No faking it to impress people who contribute nothing to is.Let's put in the work , sacrifice and research. Wisdom right here..good video 😍😍
It is always good to share tips that changes people's lives. However, I was expecting the specifications on what job you were doing, how did you get promoted in such a short space of time and earned more than 100% of your initial salary. How much petrol we you buying per month while you were still earning a salary of R 5000.00? I take it your video is meant to inspire and motivate others but some of the things you said are unrealistic and lack explanation. You ignore a lot of questions regarding what you were doing and in which company. I am not disputing the possibilities but the pace and how easy you achieved all this raise ethical concerns.
Eddy Ntimbane she did say she paid the rent and car and then her dad helped her with the rest tho 🙆🏽♀️
@@bandilesibizo4810 R 4100 + R1000(from Dad), rent R2000+ car R2000 that means she had R1100 to live on...would you buy petrol and food in that amount? Plus cosmetics...try to make sense of it
Eddy Ntimbane maybe she didn’t buy makeup and everything she just lived on her needs 🤷🏽♀️. And at it sounds like her dad took care of most of her expenses so she survived & used his money and saved hers only thing that makes sense atm 🤷🏽♀️
Eddy I think you are right,this is one of the reason why I don’t usually listen to S.A motivation when I’m on bad space, I don’t I think everyone is just fast forward to tell us about their life during when money was more and rich
One thing that they miss which can improve South Africa and decrease VAT is where exactly they started and more information about step major to afford
@@faithlebomokabane5472 That is a thing. I think SA motivational speakers fail to give practical steps to how things are done, and when you follow their stories you find something new each time. There is a tweet where she wrote about how she managed to live on 10K salary but now that 10K salary is not mentioned.
I love your content! I know your family is proud of you. You are young & brilliant! I would definitely love to sit down & chat with you whenever I make to SA.
I earn a high salary and invest in my small businesses as well as investing my money while living in a 2 by 8 apartment with no dept. It is working very well so far 🙂.
I think the problem is people are not patient enough in their journey and succumb to the pressure of what you talked about, which is comparing themselves to the level that their friends are on. A person has to remain self-aware of who they are and their situation by remaining consistent and disciplined to achieve their goal.
SELF-AWARENESS!!! 👌 Great video!!!
Been binge watching your videos since morning 😭😭haven’t had any work done since. Your vids are so informative 😭😭
I earn R20000 and I’m 23 and I was reckless with my money but I started saving in June thanx to you Aus N and I live below my means. I aim to buy my 1st house when I’m 25
Leeny Mmekoa Hi wat company r u working for ( am mean the sector) and what on do you do.
@@fahsibosithole5387 hey I'm working overseas just converted it in rands I know it ain't much but for someone like me who is fresh from varsity I'm happy and I love the fact that it increases annually. But I agree with her it doesn't matter what you do or which sector you work in the aim is to live below your means and save and get multiple incomes
Leeny Mmekoa thanks 🙏🏾 for your response I hope u save n use the money wisely
@@fahsibosithole5387 thank you so much. I'm doing a bit of research for which companies to invest in back at home. Have shares and so on lol and I'm clueless about that
@@oreabetsemmekoa5345 Hi Nana, how are you? So from the 20K, how much do you spend on:
1) Food
2) Accommodation
3) Transportation
And how much are you left with after all those deductions/necessities?
Hope it's not too personal.
I like how you just flow when you speak - no pauses . That's a commendable skill.
Notification gang💃💃 Thank you Nicolette❤
The millionaire next door is a brilliant book! It’s never leaving my library. It will be one of the first few books I give to my children to read. Probably will save this video also so that they see how daddy and a few other wise people got their riches. Nice 1!
I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.
It is possible to produce superior performance provided you do something different from the majority. However, most of us tend to pay more attention to the shiniest position in the market to the cost of proper diversification.
Having monitored my portfolio performance which has made a jaw dropping $470k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market.
@@Rick.4890 Hello Do you trade on your own?
@@Dylan-baerber3486 Hi. Am trading with expert Mrs Mitchell Roland, a regulated broker in the US. Met her sometime early last year at a startup funding event. She had some interesting things to say about the state of algorithmic trading today.very obviously I'm seeing the results.
@@Rick.4890 That's impressive. Are you giving her your money or the money stays in your trading account? What's really the idea behind copying trades.
I am a first year student at varsity and there's a video of you that was used in a certain module I am doing I think it was based on how one should be disciplined when it comes to money.Its funny how I went to the bank 2 months later to open an investment account...Thank you sis
Oh my. That sounds so lovely. I'm a third year student now, can you give some insight on where you opened your investment account?
This advice is so key. I always aim to keep my expenses super low as well. But I think my monthly income is just not growing fast enough. I'm working on some additional sources of income, coz honestly corporate is not enough. My goal is to be a millionaire by 30.
Sinikiwe Ngcobo Keep to the money rules and it will happen. Stay disciplined and have the will power
Sinikiwe Ngcobo me too and it will happen
I can introduce you to a company that will assist you to get to that goal, my number is 0827937897
I'm touched by the hard work. I can tell how personal this story is to you. Thank you for sharing. You changed so many lives
Before you even mentioned it, I knew you read " The millionaire next door " 😁
AWWWWW. I love love this video. Thanks so much for this. I'm definitely subscribing
Smart gal, Hard work and saving as much as possible lead to living in the lifestyle u living now.
Let's not ignore how he grow up with the father.... A father is important in a child's life
A life of delayed gratification: that’s great advice. Thanks for sharing your your principle.(discipline)
Notification gang. Thank you so much Nicolette
Thank you for this video 😆✨ but I was also hoping you were going to explain how you got a corporate job without a degree.
Yass girl. Preach! I'm so glad this was recommended to me because I was just about to succumb to pressure but I'll be patient and save up for a bit before moving to a better apartment.
This is great, most especially coming from a you black lady in RSA! Her points:
--It's not about how much you make but how much you keep!
--Whatever money you are making, try to live below your means!
--Do not acquire debt!
--Try to find other income streams... do pizza deliveries on a weekend or something.
--Save and invest some money!
--Don't succumb to the pressure of trying to live like your friends/peers. Do you!
If you want to follow this ladies advice but are way in debt and not sure how to get out, please watch Dave Ramsey.
Thanks Nicolette!
This is the first investment video I actually like. It’s not one of those get rich quick scams that you find all over the internet. I also have a gift of saving & creating 3-4 income streams all at once yet use less. I had my first million at a very young age. 😊
Can you please also share your story
a very good story but most of us don't even earn R15000, years after working in corporate. you should know that luck played part in your success .
Brian Bayer there's nothing like luck.
Preparedness + opportunity =luck
@@gloriad216 ..so when you make your first million with your salary let us know we'll wait
This story lacks specifics.....
Wow! Thank you!!! Such an inspiration👏🏼👏🏼first video I'm watching of you and definitely not my last!
Wow ,listening to your videos has changed the way i see money.Thank you :)
you the best, although this year nyised me , but you the greatest thing I discovered, keep Sharing those information . you the best Nicolet, may you stay winning
You're are so wise and disciplined. Well done!! Wish I had been as wise as you at your age.
Very wise. For as long as I still breath, I will apply your principles
People are talking about "hei hei something is fishy about this" and "she is not telling us HOW and what job she was doing...". LISTEN to the lady! Never mind what job she was doing and how much she earned. The points are there...
--It's not about how much you make but how much you keep!
--Whatever money you are making, try to live below your means!
--Do not acquire debt!
--Try to find other income streams... do pizza deliveries on a weekend or something.
--Save and invest some money!
--Don't succumb to the pressure of trying to live like your friends/peers. Do you!
People who are hating on this video are obviously broke and are going to stay broke.
If you want to follow this ladies advice but are way in debt and not sure how to get out, please watch Dave Ramsey.
Thanks for this video sisi.
M actually sitting on a book that can make me a millionaire. Lol I could be reading it but I have other books m reading I need to open that book. Thanks girl.
Wow I can relate so much to your university story,I’m doing my 2nd year and on this day I had the worst exam experience to a point where I just left the exam,crying so much and I just got home and it landed me here.💫🌻
Christina Refilwe Phashake i can relate 😂😂✊
I needed to hear this, thank u sesi.God bless you
Thank you Mam
I love your insight and principle that as One income increases prefer not to change lifestyle that increases expenses.
Thank you for sharing. Take a deep breath in and breath out, calm down your speech just a bit so ALL who view this priceless information can benefit from each precious word spoken.
EXCELLENT VIDEO!!! Yes, living below your means is important! New subscriber!!!
Thank you, this is great! but how did you make that million?
Gurl!! You have a new subbie! I loved this video and the content! We can really change our generational wealth when we become wise on how to handle money and not let it burn our pockets as Lisa Nichols likes to say! Thanks for this. Looking forward to more videos! Loved your personality from the get go!
Jeeez Sis Nico I thought you would tell us that you invented something like internet and apparently I was very wrong otherwise thanks for showing us that "you don't have to be great to start"
And again could you please explain to me what's that that you always did while you were still working that always got promoted please 😂😂
Good advise, and very tough to live that type of life while getting enough money to survive. At the end of the day “DISCIPLINE “ helps 👌
The way she emphasized the stench from the trees I thought she later started selling/cutting the trees too
I'm glad you proved your family wrong when it comes to making a living. I'm also the black sheep of my African household,
Getting rich is automatic if you have a plan.
Great video! What's your take on financial planners? When is it the right time to get one?
God knows how grateful I am to come across this channel 🥺♥️
I learn so much from you Sistas
Great to see a video teaching how to be financially responsible, well done 👍🏾
YOur blessed.. but not everyone has parents that are able to help their kids get where you are now.. you will never know or understand what people go through until you walk in their shoes! Stay blessed and be thankful! God is good!
Thank you for sharing. Sometimes plain English is too much for people to comprehend. Stop spending and save. Realize you don’t need everything, sacrifice for the goal. End of story. Everyone’s situation is unique. If a paraplegic can climb Mt. Kilimanjaro..... Moral of the story, stop making excuses and make changes to get what you want!
Thank you again! You don’t have to tell people what you at for breakfast so that they can grow. What you eat may make me sick so I need to figure out my own diet to keep me healthy🧐.
Not bad advice, but I don’t agree that it’s that cut and dry! Most of us enter the job market with 1-2 siblings to put through college and heaps of ‘black taxes’ to pay..and not to mention student loans..so you basically start at a deficit. Debt becomes very difficult to avoid! But I cannot knock the advice, it’s good but I wonder how practical it is in the Sout African context!
kgaogelo kekana
Yhuuuuu kea leboga - Thank you for sharing this. I'm going to continue with my love for saving😊 I have therefore just subribed to your channel 😊
from 4 to 13 to 26 to 51 to 100k salary must be nice ! Within 4 years ! Wow must be nice. Your dad must be a politician
Evaluator, please buzz 0825431650. I want us to evaluate something in this story.
Lol you are right
Heeey, I am sitting here thinking to myself: "I must be a useless piece of Garbage. There is someone that went from R4k to R100k in 4 years, working for the same company?"
@@mopeliteboho1705 That might be true, i know a company that allows you to do exactly that
@@mmopiemangsesing-letsike5528 tell us please
Nuh much of specifications on how u become a millionaire, but it's quite clear enough for me to say i'm kinda intrigue and inspired by ur sophisticated ideas of investments. can't imagine how tough it'ld be for u to be able to resist most of thing u needed but then ignored them. TBH i'm actually impressed even though our australian stystems and salary wages are totally different i think i might give it a shot. thnx again sis.
Very inspiring. Thanks for the information 🎩👌
Good info and good advice. As a fellow Virgo I can see all the characteristics that were used.
Thank you waisti Nicolette. Like Thank you. 🙏
Omg...you are amazing and beautiful! You actually broke everything down perfectly. Thank you! 😁
In summary: live below your means, invest the rest.
Only if that was easy😂
@@loyalallies It's actually easier than most people realise 🙂
@@MoneyGist I guess it is but most SAns who live a middle class lifestyle earn around R10k to R15K...trust m they make it work coz they afford a decent lifestyle but nothing to save, let alone invest afterwards 😂... reality
That is the reality of a normal citizen. Same as our financial bunny when she was earning R4 she was living beyond her means, paying rent for R2k and a car(which I feel is unnecessary when u earn that low) R2K...Her advise is practical when one earns R25k and more and she is the evidence of that practicality 😂
This is one of my favourite yoututbe channels, thank you for always sharing gems
Thank you fo r your informative videos. ....as a 20 year old I need to hear such
I'm downloading all your videos. I love watching you. So much information that answers a lot of the questions that I have
What Job did you have where you got promoted so often🤔
Without a degree nogal!
She's lying
Good question Rato
her salary was jumping
Lerato Rantao I wanna know too
Thank you very much for sharing such wisdom I am 21 working and studying at the same time the preassure is too much at times but with what you have just said I am super empowered and surely in the near or far future I will be the millionaire next door
It's a marathon
I AM DOING IT!!!
She really kept it tog ...she didn't have any children firstly ...so that helps