Netflix Reunion with Millie & Christian—Where Are They Now?

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And he goes, hey, so you know how the pandemic is hitting and everything's shutting down, Right? Well, I'm gonna buy a ton of calls on Zoom.

Okay.

Right. Cause everything's gonna shut down, and we're all going to Zoom. Right. So literally, I bought 30,000 worth of.

Calls on Zoom, and I know what happened to Zoom.

And in a span of four days, those 30,000 became 150,000.

Yes. So what did you feel at that moment?

Oh, we were static.

Yeah.

We couldn't believe we were shaking the day.

We were like, we need to put our money here. Like, forget the savings. Like, get it out of the savings account. It needs to go here.

Okay.

What'd you do then?

We left the money in, and the money started to go down.

Tell me the numbers.

So it went from 150,000 in profit to 100,000, like, in a span of a week. So I told Millie. I was like, let's move half of that. Invest in the s and P500.

So you have half of it in S and P, and then half of it is where.

Is tied up in DraftKings stock. Yeah, we've lost a lot of.

I'm shocked.

My plan was not to leave it in DraftKings for long, but then it just kept going down and down and down, and now we're like, $80,000 worth in the hole.

Like, what does that mean?

Now it's worth about $20,000.

You never told me that. Why didn't you tell me that?

You didn't know that till just now?

I didn't know that till just now.

Oh, well, then talk amongst yourselves. I want to hear oh. Welcome to today's special where are they Now? Episode with Christian and Millie from my Netflix show, How to get Rich. Now, today you're going to hear where they are financially and otherwise. A year after filming the show, if you haven't yet finished the show, hit pause, go watch all eight episodes, and then come back here so I don't reveal any spoilers. Okay, here's what you need to know. Christian and Millie told me that they want to create an empire together. They own their own place and they generate positive cash flow by renting out units of their apartments. He works for the federal government. She's a realtor. But as I learned, she also is involved in multi level marketing. I had no idea before I met them. In fact, on the show, episode six, I. I actually got the chance to go to an MLM event. This is my fantasy. This is why I truly have my own rich life, because I get to go to MLM events and then ask very pointed surgical questions along the way, which you get to watch. Now, what I really liked about Christian and Millie is they are both very family oriented. They both are children of immigrants. In fact, one of Christian's financial goals is to retire his mom. But the problem is they keep making these boneheaded financial moves. Like, he invested in a meme stock and lost tens of thousands of dollars. And she has been saddled with a Cadillac from her mlm. Listen in to find out where they are. Now. First of all, have you heard some news about the show?

Yes.

What have you heard?

Yes, I've heard that they're gonna announce it tomorrow and then that it's launching on tax day, which is cool.

Yep.

I'm gonna be honest. I was skeptical from the get.

Yeah.

Even Millie told me, hey, we've been selected for this show. I'm like, well, this is gonna be for you, Millie. I love you and I wish for you.

Oh, wow, Millie, hope it works out for you. Good luck. Yeah. Wait, why is that, Christian?

I believe TV is all set up. And like, you know what? It's all fake. A lot of it's fake. And I'm a big skeptic. Right? Like, it's all made for viewership and stuff like that. And I'm like, all right, finance just really interested us. And that's one of the reasons why I really accepted to do the show. Because she told me, hey, it's about finance. And I'm like, you know what? It's no housewife kind of bs. This might be something real. And let me give this a Fair shot. And it really opened my eyes. It really opened my eyes because I thought this was going to be something totally different than it actually turned out to be. You made us feel very comfortable. And, like, when we were having this conversation, for moments there, I felt like it was just the two of us sitting down, talking, and the cameras were gone. It really felt genuine, I guess is the word. It felt genuine.

We were just hanging out in my living room, like, we were talking to a friend, like, because this is how we like having. We like having these conversations. We like talking about money and what we're gonna do next and what we're investing in. And you can have that conversation with everybody. Not everybody feels comfortable to have that conversation because it was. Either somebody was going to come in and yell at us, or somebody was just going to be like, oh, everything's perfect. You guys are doing great, and that's it. But no, like, we were genuinely just chatting.

Yeah. We're having a good time. And it was also fun because you two have a good sense of humor. So I could joke around with you and I could be like, you did what? And I think that just makes the whole thing fun, you know? Like, money doesn't have to be so serious.

I know, I know.

Okay. I'm excited. I just want to know also what's been going on. So can you give me an update?

Boo.

You want to go first?

I've gotten a raise since we last spoke.

How much?

So I went from making last year, I was making 109. Right. To making 118, but with 25% availability pay, which I discussed with you prior, it comes out to around 140. I'm making about 147 now.

Wow. Nice work. That's awesome. Yeah, I saw some bigger numbers on the update. I was like, ah, what happened here? That is fantastic. Okay, great. So congratulations on that. That is amazing.

There's so many updates, though. Christian's being modest.

I can't think on the screen.

What do you mean?

We got married since the last time we saw.

Remember?

Oh, yeah, dad. Okay.

All right, I'm sorry.

No big deal.

Maybe we should have Millie run this part of the conversation. What do you say, Billy? You got married. Congratulations.

Thank you. Yeah. So excited. We got married. Everything came out perfect. We went on our honeymoon.

Where'd you go? What?

Italy.

Oh, my God. Tell me about it. Where'd you go?

Everywhere. We rented a car. We landed in Rome. Rented a car. And we didn't plan anything. We kind of just went with the flow. It was amazing. We went to Rome, we went to Florence, the Amalfi coast. We ended up in Switzerland. We went to Monaco, Sylvania.

Unbelievable. Venice.

We went to all the major cities in Italy.

Okay, so this is amazing. When we met, you were both very focused on the future, which I love. You know, you had this cash flowing thing and you were talking about generational wealth. All that's great. But I was kind of like, what about now? What's going on now? And to hear that you took a one month honeymoon and just rented a car and said, let's go in Italy, to me, that is just so beautiful. Congratulations.

It was a crazy experience, but I loved it.

The freedom of not having to worry, do we have enough money for moving from place to place? Right. We really didn't think about that. We're just like, let's enjoy our honeymoon. We deserve it. Let's enjoy these next. I think it was 25 days, right, Mellie?

And you'd be proud of us because we weren't like, cheap with, like, where we were staying either. We were staying at very, like, nice hotels, luxurious. For the flight back. When we went to the honeymoon, we did first class or business class, I think is what they call it now.

Was it.

I was like, christian, you shouldn't have done this to me. Because I'm not. I don't like. I don't want to go back. Wow. It was different.

This is what I mean when I say you should live a rich life today and a richer life tomorrow. In order to do that, you've got to know your numbers and you've got to be working on improving your money psychology. So when it comes to your numbers, things like your savings rate, your investments, what exact month and year your debt will be paid off. All of this is covered in my book and in my money coaching program. I'll throw links in the show notes below. Now, it could mean that your rich life today is staying in luxury hotels or buying fancy cars. Fine. Or it could mean that you've planned for it. You've designed your rich life. And maybe today what's possible and meaningful to you is a picnic in the park with your kids. It doesn't matter the level of fanciness or extravagance. What matters is that it is intentional and personal, because that is what makes your rich life meaningful to you. I love coffee. And I want to tell you about the system I set up so that I can get all kinds of new coffee regularly. I know there's a few brands of coffee that I Love. So I set up a document and in that document I track the types of coffee I love. Verve Joe Coffee in New York. And there's a few other brands that I love with the specific roast. But then every single month I'm hunting, looking for new types of coffee. And so what I'll do is I'll ship myself a couple of new bags of different roasts, different types of coffee from different regions, and then I take a little notation card. I write down what works and what doesn't. Now if you think I'm a psycho, what am I going to say? This is my rich life. But I'm sharing this because a lot of us love coffee and a lot of us want to know where to discover new coffee. That's why I am thrilled to introduce you to today's sponsor, Trade Coffee, which is a subscription service that makes it very simple to discover new coffees and and to make great coffee at home. Trade partners with top rated independent roasters so you can get their best quality coffee sent right to your home. It's all hand picked by their coffee experts. And maybe you already know what you like. Like for me, I like Verve coffee. It's one of my favorite brands. It's on Trade's platform or maybe you're not sure and you want to experiment. Either way, Trade makes it easy and convenient to to discover new coffees and they will send them to your home on your preferred schedule. So upgrade your morning routine with better coffee. Right now, Trade is offering our audience a free bag of coffee with any subscription@drinktrade.com Ramit that's Drinktrade T R A-E.com Ramit R A M I T for a free free bag of coffee with any subscription purchase. Again, drinktrade.com ramit@iwt, I'm all about teaching my listeners and students how to live their rich life. Whatever that means to you. For me, a rich life is being able to invite my closest friends and family to a stunning resort in Mexico for my 40th birthday. It's having a personal trainer plan my workouts and my macros every week. And it's never having to get a spam call. Think about it. How many times a day are you getting a call from an unknown number or better yet, a text from XF345Z claiming there's a problem with your electric bill? I'm busy. I want my day to be efficient. I don't have time to deal with these spam calls. That's why I want to let you know about this episode's sponsor, Nommo Robo Max. Every single unwanted call is stopped. Every dead in its tracks. Calls from people you know still get through just like normal. And for those unknown numbers that might be legit, like clients or delivery people, Nommorobo's call screener will jump in and let you know exactly who's calling and what they want. Then you get to decide if you want to take the call. It even protects against spam and scam text messages. And the people over at Nommorobo take your privacy very seriously. There's no ads, no tracking. The best part is it's affordable. You can protect your whole family for less than $7 per month. If you want to protect yourself and your family from phone scams, go to nomorobo.com ramit for a 14 day free trial. That's N-O M O R-O-B-O.com ramit R A M I T Congratulations on the wedding. Double congratulations on the honeymoon and the income increase. That's amazing. Give me the rest of the updates.

What else? What else? Okay. I started a new job as soon as we got back from the honeymoon. I started like applying to literally everywhere. I really wanted something remote because I want to be able to travel when Christian travels, which also like, we've been traveling a lot. We've gotten to Hawaii also since then we, we've traveled a lot. Like, you'd be proud.

I am proud.

So I got a job. I ended up getting a position, Funny story. So I applied for their accounting position. That's what they had listed on Craigslist. And then after one day there he was like, I want to make you the manager. I want you to be in charge of sales. And literally after one day, that was it. That's all he needed. We renegotiated my, my contract and Now I'm at 35 an hour. I'm going to be getting commission on sales once I start sales. It's a whole one. 180.

Wow. Congratulations. That's cool. So you. Okay. So you have a stable job, is it? How many hours a week?

40.

You're making 35 bucks an hour, so that's roughly 70k a year plus potential commissions off of sales. Okay, how does that feel?

You know, it feels good to like have a job again and be doing something and being busy. And it just, it's a little bit of a, like a shock because whenever Christian's going away, like I want to go with him, he's gone to Abu Dhabi. He's gone to Hawaii. He's gone to.

Oh, my God.

How many places have you been through since January that we got back?

India. India. I went to India.

You went to. Oh, yeah. I saw a picture on your social. I was like, what's he doing there? Okay, so, Millie, you're saying it's an adjustment because you can't just get on a plane with him?

Yeah, yeah. It's a little frustrating.

He's a bit torn.

All right, well, the good news, in my opinion, is you have time to think about what decisions you want to make. And also, doubly good news is you have a stable income. I have one question for you, because when we talked, you had had that bad experience with your past boss, and it had kind of turned you off to working for anybody. What's it like so far with this boss?

I really like him.

Awesome.

I really like him. We get along, and we have, like, sort of similar personalities, so we just understand each other. And, like, I enjoy his company, and he says that same to me. He's like, I enjoy having you here. I love working with you. And it's only been a couple weeks or a couple months at this point, actually, sometimes I don't like getting told what to do.

And.

And the fact that sometimes. All right, all right. And so, like, just being able to be like, okay, Millie. Like, just letting go, being okay with finding a job, you know, and, like, getting back into that, that was, like, something that I had to, like, really accept their right.

You ever meet people who go, I can't work at a job. I'm an entrepreneur. But the problem is that their business is totally failing and they're making no money. I meet a lot of people like this, and they will tell me all these reasons why they can never go and work for the man again. And I'm like, I think you need to get a job. Because it's nice to have all these stories you tell yourself, in some cases, pure delusion. But the fact of the matter is, it's better to have a job that lets you pay your bills than to dream about being an entrepreneur. Cover the basics, save some money, and then you have options. This is one of the reasons that in my business program earnable, I encourage people, if you've got a job, keep that job. Start something on the side, and if and when it becomes successful enough, then you can decide what to do full time. Now, one of the patterns that happens with people who say this thing, I can never work for anybody, is that they had a Bad experience at one job, and now they've generalized it to all jobs. That's what happened with Millie. She had a bad experience with a boss and she made $12,000 in a single month with her MLM. So she said, I'm not going to work for anybody. I don't like that. And also, I'm really successful over here. I personally am really proud of Millie for getting a job where she's now paid more. She has stability and she can contribute to her and Christian building their empire. Now, let's talk about the mlm. What's the latest on that?

So I still haven't terminated my account and I still don't plan on it.

Okay.

Because the money that it does make me pays for the car.

You still have the car?

I still have the car.

Christian, I'm going to. I'm coming to you in a second. Don't worry. I want to hear your opinion. So you still have that car. Okay. It's a nice car. Note, it's certainly nicer than mine. The payment on it. Am I remembering right? 660.

Yes, 669. And I make an. I make enough where it at least pays for the car. And just because of that, I. I don't feel like I should terminate because then that's now one more huge bill that I'm going to have.

Yeah, right. I loved discovering how much you were paying for the car. I still remember the look on my face. I said, say that again. What? And then going out and sitting in the car because I thought it was like some old person car, you know? And it wasn't. It's a nice car, but I'm like, I can't sleep thinking about this car right now. So I love the family. That was my favorite. But I'll also never forget that car. I loved it. I loved it. So you keep it. And then like, what. What are the last few months? How much did you get paid?

I honestly haven't even calculated. I haven't been. I didn't prepare.

That's okay. Most people I talk to don't prepare. Speaking to me, I have a dream that one day they will. But you said that that MLM has covered the cost of the car, which, by the way, they mandated you get. But how do you know that if you haven't calculated how much you've made.

Over the last few months?

Oh, for last year, though, I did calculate and it made enough where it paid for the car. That's how I know that. Because we just got our 10, 99.

Got it.

Okay.

Christian, what do you think about this?

I think she should get a smaller car payment and hand it in the car. But then again, I think we've taken your advice as doing the proportion method of incomes to pay off the bills, and that's helped out a lot. And I know it's been a big stress reliever in the relationship. So with that being said, when it comes to the car, she pays that by herself, and that's something she's taken upon. So I think she's done the math on that, and it's working out for her. So.

Okay, I approve of that. That's awesome. So let me tell everybody watching why I like that is sometimes we choose to have something extra nice or extra expensive. That's okay in a relationship, but the person who chooses the extra nice or extra expensive thing should probably at least pay the difference in what the two of you might pay or maybe just pay for the entire thing. Not the choice I would make. But it's not my money. It's your money. It's your rich life, so that's cool. All right, more questions. The proportionality. This is a big deal. How does it feel overall doing that adapted system?

It feels good. I've always been for it. I always wanted to help out more. Right. She was always a person right down the middle. Everything had to be 50, 50. She was always that kind of person. I'm always like, hey, I don't mind providing more. I don't mind doing this. But she was always dead set in her way of, like, no, 50, 50. I want to put up my share. So I respected that. And we got to a point when we started doing the show and we started to realize you brought up the portfolio proportionality. And I'm like, hey, we never thought of that. And I think that's helped our relationship a lot. In many ways. Not only money wise, but I think emotional. Right, Emotional wise.

How so?

I think. I think it just shows, like, a relationship shouldn't have egos, right? We're one team. We're not here to say, hey, this is my side. This is your side. I think we're one team, and we're working towards one goal, right? Like. Like, it's our money. It's not your money and my money. And I think that was something we were struggling with for the past few.

It was just, like he said, like an ego thing. And I'm glad I, like, let my guard down because, like, I mean, he's my husband at this point. You know, we're not just like boyfriend and girlfriend and a high school relationship. This is like forever. So.

So that's why it's partnership. One person takes the lead and then that might shift. And I love that the two of you have found a way to work together for both of you. That's awesome. Any other updates on the financial side?

Yes. We never sold the stock.

Got the gambling stock.

The which.

We'Re going to miss this part.

Millie's like, I have my list of things to talk about. Tell me, Millie.

So we haven't sold DraftKings. Remember DraftKings? The one that we lost like 80 or 90,000 on?

Yeah, how could I forget? So you kept it. And how's it doing?

It's going up, actually.

Oh, God. So you're so. So what is the lesson that you take away from this? I always love when people take away the absolute worst lessons. What's the lesson you take away, Christian.

Just wait it out.

Buy a super risky gambling stock and then, like, you'll probably make a ton of money. That's. Yeah, that's a good lesson to take away.

Definitely not. I think I've learned my lesson with this. I just. I guess part of me does not want. Does not want to let go yet with like, I guess the hopes. But I've spoke. Millie and I have discussed this and I think we've set a target loss. So basically, once it reaches that target loss, I will take the money out.

What is the target loss? How much are you targeting?

$40 a share. So we bought in at $65 a share. So if once it goes back up to $40 a share, you'll sell.

Okay, and what is it at right now?

I can actually look right now.

You know, he has that on his homepage of his phone. It's not like delayed.

I can give you the latest. Yeah, down to the second it is. It's at 18:35.

Okay. So it only needs to more than double. Okay, great. And what if the stock goes down?

Oh, God, don't say that. I was not expecting to be called out as much as we were called out on our stuff. And I think that was a wake up call. You calling us out and calling me out on DraftKings made me wake up and be like, hey, listen, like, it's all right. You do whatever you want your money, but maybe you should communicate with your wife. Right? Like it's. It's something you guys need to speak about more. Even if you're going to decide on doing it. It's something that should be mentioned. And the same goes with her as far as the mlm, right? You asked me, hey, do you know how much she makes? I had no answer for you. Right. It's something we just didn't discuss. Right. I handled the stocks, she handled her mlm, and it was something surprising.

Remit. We thought we were going to be the golden children of this show. Okay? We thought you were going to come in here and be like, you know what, I'm just going to leave because you guys are perfect. And then like Christian said, you just kept calling us out on all our bullshit and all our stuff that we were hiding under the rug. So that was necessary.

God, this is such a great example of why the vast majority of people should not be investing in individual stocks. Christian made a random, arbitrary decision to buy a stock. He's lost tens of thousands of dollars. His wife didn't even know about this. And now, rather than sell it, he's decided to create another arbitrary number that it has to reach, which, by the way, is more than doubling where it is today. And all the while, that money is sitting there doing nothing for them. That money could be better spent more or better put in a simple thing like an S&P 500 index fund. But because we are cognitively wired to never want to admit large mistakes such as this, it's going to be very difficult for Christian to actually become decisive and sell this stock. Again, a great lesson on why the vast majority of people should not be purchasing individual stocks. One of the things I love spending money on is learning new experiences. I've taken coffee making classes, matcha tasting classes, wine classes, cooking classes in India and in Italy, and there are all kinds of classes I love. That shouldn't surprise you. I create classes, of course, I want to experience them as well. And that is why I want to share today's sponsor with you. Masterclass. Masterclass lets you learn from the best. And it's all online, so you can learn anywhere, any place, at your own pace. Now There are over 180 classes in 11 categories, including names you have heard like Scientific Thinking and Communication with Neil Degrasse Tyson or Makeup and Beauty with Bobby Brown. And there are new classes added every month. You'll see classes from instructors like Gordon Ramsay, Malcolm Gladwell, Steve Martin, Chris Voss, Esther Perel, Mariah Carey, and so many more. For example, there's a comedy class with Steve Martin where he teaches you how to find your material, identify your comedic voice, and even analyze different joke structures. Something you can only learn from Steve Martin. And I love this my opinion is if you're going to learn, learn from the best. That is why I invest in my own education and that is why I would encourage you to invest in yours. With Masterclass, you can learn a skill in as little as 10 minutes anywhere on your phone, desktop, Apple TV, Amazon, Fire TV or Roku. I highly recommend you check out Masterclass and you can get unlimited access to every class. And as an I will teach you to be rich listener, you get 15% off an annual membership. Go to masterclass.com ramit now that's masterclass.com ramit R A M I T for 15% off Masterclass I get a lot of questions from people who have used my book. They've automated their finances, they've set their investments up. They go, all right, I did the basics. What's next? And when you've made a lot of money, you'll notice that there's not a lot of advice specifically for you. The blog posts that are typically focused around people who are just starting off or even people in debt do not really apply to you anymore. And it can also be embarrassing to ask. You can't really post about certain topics when you have money because your friends don't know how much you make and nobody really wants to hear about how do I take cooler vacations? Or what do you all do for tax optimization? Because the first response is oh, rich people problems. I don't like that phrase because rich people problems are problems. Nonetheless, how are you supposed to find someone you trust? Whether it's an accountant or a travel advisor, the usual advice that you find on Google doesn't really apply at a certain level. So if you've made a big jump in income or net worth and you wish you had a community of people who just get it, I want to introduce you to today's sponsor, Long Angle. The Long Angle community is composed of high net worth individuals with diverse backgrounds in technology, finance, finance, medicine, real estate, law, manufacturing, sports, media, and more. I'm a member of this community. There are so many interesting members of the community and the majority of them are first generation wealth. They're young, highly successful individuals and they join the community to share knowledge and learn from each other, to get confidential, unbiased support, knowledge sharing and networking. And you can do it online through their digital platform as well as Facebook face to face connections at their Long Angle in person events. Now members also have access to unique private market opportunities. And as I mentioned, I'm a member of Long Angle. I like it because it's vetted Everyone on there has a certain amount of net worth and therefore they are asking relevant questions of the community. You're not going to get people on there giving the same old advice like hey, here's how you save money on celery. That's not the purpose of this community. Some of the topics that I've loved are multi generational family trips or questions like we want to.