Beyond Remittances: How Digital Banks and Investment Apps Help OFWs Build Millionaire Portfolios Instead of Just Surviving
Josephine Gutierrez sent home 80% of her Hong Kong domestic helper salary for fifteen years, supporting eight family members while keeping barely enough for instant noodles and worn clothes. Today, she manages a ₱3.2 million investment portfolio, owns two rental properties, and runs an online business that earns more than her employment—all while still supporting