I first met Gill Concha over two decades ago, back in 2002, when we were both teachers at the Missionary Training Center (MTC) in Manila for The Church of Jesus Christ of Latter-day Saints. I remember him as someone who was always chill – a bit of an easy-go-lucky guy (not judging 😄), the kind who gave off the feeling that life didn’t bother him too much. He was light-hearted, warm, and seemed to always be smiling.
Years later, as most reconnections go these days, we found each other again through Facebook (because let’s face it – everyone’s there, or almost everyone). And this time, I saw him in a new light – one of success, growth, purpose. From business ventures to spiritual service, his name kept popping up. It wasn’t just a one-time thing. It was consistency, impact, and momentum. That curious thought crossed my mind: “Wow, look at Gill now.”
And so I reached out – because behind all that success, I just knew there had to be a story.
Where it all began…
Gill was born and raised in Quiapo, Manila, and earned his degree in Broadcast Communication from PUP. He served in the Philippines Baguio Mission from 1998 to 2000 and later married his wife, Jennifer, in the Philippines Manila Temple in 2002.
During his time in the Philippines, Gill was introduced to the Academy for Creating Enterprise (ACE) – a program that opened his eyes to the world of entrepreneurship. Feeling inspired and drawn to a new path, he made the decision to resign from his teaching position at the Missionary Training Center (MTC) to pursue new opportunities.
Today, he and Jennifer are serving together as Senior Couple Missionaries in the San Jose Del Monte Stake, where a temple is soon to be built – a beautiful full-circle moment in their journey.
But reaching this point was not easy; the path was filled with struggles, sacrifices, and moments that tested their faith and resilience.
One of the most significant turning points in Gill’s life came during the 2008 global financial crisis. His business collapsed, and they found themselves with almost nothing. He had a newborn baby and a three-year-old daughter who still needed milk. His wife, Jennifer, was suffering from a severe case of Rheumatoid Arthritis, an autoimmune condition that made it hard for her to eat, sleep, or walk. She was malnourished, weak, and unable to stand. Their situation wasn’t just difficult – It was desperate.
During that time, Gill did what many in his situation would do: he reached out for help. He tried borrowing money from friends, from people he knew – but slowly, those doors closed. Some stopped replying. Others said “no” in ways that stung deeper than just refusal. He described the feeling of being someone people quietly judged – not because he wasn’t trustworthy, but maybe because the delays in repaying had made people give up on him. And it’s something many Filipinos can relate to – that moment when your need is real, but people only see the burden, not the heart behind it.
One night, alone in prayer, Gill said something he wasn’t sure he was allowed to ask. He pleaded with God: “Please bless me to become a millionaire.” He admitted he felt ashamed right after. It felt selfish. But in that moment, it was pure desperation. He didn’t want wealth for pride – he just wanted to provide. He needed a way out.
Not long after that prayer, he came across a rare opportunity: the Competency and Talent Visa to France, meant for consultants like him. It sounded too good to be real – especially when his bank account was negative and the idea of even affording the application process felt impossible. Europe, after all, is hard to enter even with resources, let alone with nothing.
Still, he applied – half-heartedly, unsure. And in what he describes as his own third-day miracle, the embassy called. Approved.
But the miracle wasn’t complete. They couldn’t afford to go as a family. Determined to move forward, Gill managed to borrow just enough for his one-way fare. In 2009, he left the Philippines with a heavy heart, leaving behind his sick wife and two young daughters. Thankfully, Jennifer’s sister stepped in to care for them during his absence. It was one of those moments where faith had to carry them through – because truly, there were no guarantees.
A New Beginning in France
Gill arrived in the South of France, in a quiet town near Monaco called Beausoleil – a name that beautifully translates to “Beautiful Sun.” It was in that small, sunny corner of the world that he began to rebuild.
He worked at a Philippine bank – the first of its kind there – where he was hired as the first employee to establish remittance services and full banking operations. It was a role that allowed him not just to earn, but to regain stability and start laying the foundation for something more.
After a year of working, saving, and scraping together just enough for airfare for four, he returned to the Philippines – this time, to finally bring his family back with him to France.
Seeing them again after a year apart was emotional. Jennifer was even thinner than he remembered, still unable to walk properly. But reuniting – and returning with them to France – felt like a second miracle.
There, Jennifer received treatment from France’s top rheumatologist and orthopaedic surgeon – appointments that normally take years to secure, even for those with money and connections. And yet, within a year, she was not only seen but operated on. Both of her hips were replaced on the same day – an incredibly rare procedure, especially considering her condition. She was so underweight at the time that she required tube feeding and blood transfusions just to prepare for the operation. But she made it through. And after months of therapy and care, she slowly regained her health. Within a year, she was walking again.
While they rebuilt their family’s health, Gill was quietly working toward another dream. Alongside his full-time job at a Philippine bank – the first of its kind there – he began growing his own business. Over time, his efforts blossomed: he reached his first million, grew a team of over 30,000 business associates across more than 30 countries, and eventually began earning more than a regular salary in France.
A major figure in Gill’s journey during this time was his mentor, Mr. Noel Arandilla, one of the Big 3 leaders in IMG (International Marketing Group) and a mentor to Bo Sanchez himself. Under his mentorship, Gill was inspired to dream bigger, work smarter, and stay grounded in service and faith.
Their time in France stretched across ten years – filled with work, recovery, growth, and opportunity. In 2019, just before the pandemic, they made the decision to return to the Philippines and start anew – this time, bringing with them experience, purpose, and faith as their greatest assets. They bought a home, a car, and enrolled their children in international online school. But more than these material blessings, Gill shares that what shaped him most was everything they endured to get there – the prayers, the heartbreak, the help, and the miracles.
He said something that stayed with me: “When I thought it was a wall, God provided a window of opportunity.”
Through all of it, Gill says he became more faithful in prayers, more committed to keeping covenants, and more resilient in facing every challenge that came. His foundation was built on the quiet values passed down from his parents – to live honestly, to work hard, and to face life with a smile. Along the way, he was inspired by missionaries, mentors, and consultants who helped him see beyond limitations and believe in what he once thought was impossible.
Words of Wisdom
“NEVER GIVE UP,” Gill says. “We are designed by God in His image, destined for success.”
He believes that if you’re walking with the Lord, nothing can be truly against you. “Focus on the solution, not the problem. Be disciplined. Keep Christ at the center of your life. Success has patterns – you just need to follow them and stay consistent.”
For Gill, success is not just about earning money – it’s about building a legacy of self-reliance, rooted in faith, and passing that on to the next generation.
Building Forward
Today, Gill continues to lead seminars, mentorships, and trainings. He’s growing his CASH Course Online, which now has over 17,000 students worldwide, and he remains committed to teaching financial literacy and entrepreneurship to Filipinos – especially OFWs – who are working to build something sustainable and real. If you’re interested, the best place to start is his Youtube channel – it includes videos and webinars that lead into the course.
He also runs a free introductory program called Pathway to Wealth and Success, which he teaches to students at the Quezon City Philippines Institute of Religion (QCPIR) and offers as a first step for those beginning their journey toward financial independence.
His long-term vision is to live on interest, generating seven-figure monthly passive income, not for comfort, but to have full freedom to serve, give, and help others reach the same path to peace and prosperity.
Ready to Start Your Financial Journey?
Learn more, message him directly via Facebook. He offers a free initial coaching session, and from there, he’ll guide you on how to join the full program.
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My Reflection on Gill’s Journey
Gill’s story is one of quiet perseverance, deep faith, and the kind of resilience that’s shaped not just by success, but by the moments no one sees – the ones filled with silence, “no’s,” and small, desperate prayers.
It reminds me that sometimes, the hardest seasons are where the biggest shifts happen. That miracles often come quietly – in visa approvals, borrowed tickets, hospital beds, and healing hands. And that with God, what looks like the end might actually be the beginning.
As I read through Gill’s journey, I found myself not only inspired – but honestly, a little heartbroken too. Because I know what that kind of struggle feels like. There were times in my own life when I’ve been in a similar place – when borrowing money was the only option, and the courage it takes to ask is met with silence or judgment. I’ve seen my mom go through that. I’ve felt that heaviness myself. It’s painful. Humbling. And at times, deeply isolating.
Like Gill, I’ve learned that sometimes, all it takes is one open door – or even just a window – and everything can change. His strength, his faith, and his desire to lift others are truly inspiring. And it’s a reminder that with the right mindset and trust in God’s timing, we can overcome even the most overwhelming challenges.
It also made me reflect on the times when we are on the other side – when someone comes to us for help. Financial need can be uncomfortable to witness, especially when we can’t meet it fully. But sometimes, even if we can’t give everything someone is asking for, we can still offer something. A small amount, freely given – not as a loan, but as a gift – can carry more love and dignity than an outright no. Helping doesn’t always mean solving the whole problem. Sometimes it just means showing up with what we can offer, and letting someone know they’re not alone.
May we all be a window for someone else – and may we always recognise the windows that God opens for us.