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A couple’s ploy to save over $1 million and pay off their debts

Date: August 20, 2022 Time: 05:06:00

When debts pile up and your financial situation begins to seriously affect your daily life, it’s time to take decisive action to counter it. Bernadette Joy Cruz-Molion and AJ Molion faced exactly this problem after accumulated a debt of more than 285,000 euros due to student loans and two outstanding mortgages.

Because of this, they decided to take matters into their own hands and make significant changes to their lifestyle as well as the way they shop. they started apply savings methods every day and they were even looking for new passive income to supplement their professional paycheck.

After six years of apprenticeship, the couple managed to pay off all their debts. Currently, made a fortune of over 1 million euros, namely 1.2 million dollars. While not all of this is due to their savings practices, much of this has been achieved through certain cost cutting methods. Now Joy Cruz-Molion has started teaching others everything she has learned over the years through a website and specializes in personal finance.

Three Key Strategies

The most efficient way to accumulate all the money they needed and pay off their debts was create a very strict budget. In addition, they chose to live a minimalist lifestyle and do extra work for their base salary in order to earn more money. Today they have decided to continue this model, although they take more liberties and allocate the highest possible percentage to reinvestment.

This is the second key to your strategy, they started buying and selling real estate which brought them great profits. They first bought three houses and then sold two of them. Later, years later, they decided to continue investing in the real estate market in various US territories.

Similarly, they decided to bet on investing some of their income in the stock market. The couple focused on send money to retirement accounts for the great benefits they offer in their state. His current goal is to turn that fortune into over two million dollars and keep growing until he has enough money to retire early and be able to live in all kinds of luxury.


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