About Matt

From Filing Bankruptcy to Faith-Made Millionaire

Hey there!
I’m Matt Sapaula. 

I’m often asked about my background, so let’s chat a bit…

I was born and raised in the Cicero-BerwynStickney area in the suburbs of Chicago.

I was raised by immigrant Filipino parents. (My mom is a 5’1″ Retired Nurse – she validates my Filipino heritage :-).

Both my parents taught me the value of hard work, integrity, and service to others.

I grew up very middle class.

I played sports to stay away from the Gangs in my neighborhood, but using my athleticism to get scholarships and get ahead – it just wasn’t in the cards for me to take that route. 

So contrary to my parent’s desires to go to College, and for me to become a Doctor, Dentist, Accountant, or Attorney – at 18 years old, I instead enlisted in the Marine Corps.

From 1991 to 1999, I served 8 years in the Marine Corps and participated in two combat deployments (Persian Gulf & Somalia). It was in the Marine Corps that I actually started learning some of the best (yet most painful) life, business and money lessons that still serve me to this day.

For example: I got married, partly because within the U.S. armed forces, married soldiers are paid a higher annual salary than military singles.

One time I came back from a Military Deployment to find a stack of unpaid bills. Apparently, while I was deployed, my then wife had racked up over $20,000 in credit card debt. This was equivalent to almost a full year’s pay for me as a Marine back then.

As a Sergeant in the Marines, if you didn’t have your finances in order, it can bring about some disciplinary action.

That incident forced me to seek help.

Faced with tough financial and legal challenges, I leaned on Marines in my unit for advice. Unfortunately, I later realized that the other Marines knew just as little about finances as I did.

The marriage didn’t last a year. I ended up becoming a single father with custody of my son, got divorced and filed for bankruptcy all within that same year.

I filed for bankruptcy because I asked a Corporal in the Marine Corps and he suggested that I talk with Legal and declare bankruptcy to eliminate my debt. I didn’t realize it would ruin my credit score.

A Chance Encounter…In A Bathroom?

As fate would have it, one day I was with my son and he needed to use the bathroom. 

So I took him to a nearby BestBuy. While I’m in the bathroom, I was approached by a Retired Master Sergeant who was working in the Financial Services Industry and he sparked up conversation with me (I had my Uniform on, so he knew I was a Jarhead). 

“So Sapaula…what do you want to do with the rest of your life?” he asked.

“I’m going to be a Lifer!” I shot back. 

“Well, do you like money?” he replied.

“Yes, I like money.” I answered back.


He then asked me: “Do you like a lot of money?”  I replied: “ABSOLUTELY I like a lot of money!” Then he asked me a question that stumped me…

Well, then do you know the rules of the Money Game?” he shot back with a smirk on his face. 

So I then asked him: “What do you mean the rules of the Money Game?” He then went on to challenge me: “Sapaula, you know how to work for money, but do you know how to MAKE MONEY WORK FOR YOU?” 

I thought about it. I was honest with him and said: “I don’t. That’s not something that the Marine Corps taught me”. 

“If you say you like money, but you don’t know the rules of the Money Game – that’s like saying “Yeah, I like my car, but I don’t have a Driver’s License”. He explained. 

The Beginning of MoneySMART Guy

From that moment on, I started my journey into the Financial Services Industry and specifically into the Insurance Industry. 

I started my career working at a large brokerage firm in Southern California as I transitioned from active-duty service to civilian life.

I was one of the first military veterans to utilize the GI Bill to undergo DePaul University’s Financial Planning program.

I spent 12 years as a Personal Producing Financial Professional.  

While I did well for myself and my family, it was always at the expense of constantly trading time for money. Every month and year, I had to start over, not truly creating any time leverage or momentum. I hadn’t learned the rules of business and entrepreneurship. 

Because of that, in the summer of 2011, my wife Sheena and I decided to make a shift in our business and focus on building an AGENCY vs a PRACTICE.  Focusing on building an AGENCY in the Insurance Industry vs. a PRACTICE was a pivotal move as it allowed me to more than replace my income while having much more flexibility and it created a new, increasingly valuable asset – my most valuable to date – a TEAM of Leaders and Agents.

In December of 2014, I partnered with PHP Agency .Thankful for the visionary mentorship of  that got us to scale our business, instead of feeling like we had no control or stuck in a corner. And, let’s just say…the rest is history, but the BEST is yet to come!  


It’s A MOVEment, Baby!

Today, alongside our key leaders, we have earned stock equity of the fastest growing financial marketing organization in the industry.

We went from 27 agents in 2015 to over 3,000 part and full time agents nationwide coming from diverse career and ethnic backgrounds. We even caught the attention of one of the largest publications in the Insurance Industry to showcase our unique Agency Building Model. 

We grew by building upon a system, investing time in our people, creating a competitive environment, constant leadership development that raises standards and establishing a culture that people want to be a part of.

We call that system: The MoneySMART Movement. And a movement is exactly what it’s become. We have a lofty yet exciting goal to produce 1,000 Entrepreneur Millionaires in the next few years and to help over 1,000,000 families change the way they think, feel and reach towards financial independence.

Are You Ready to BE?

So ask yourself this question: “what needs to die in me in order to become the person I’m being called to be?”

Right now you can make a decision to let me help you create that clarity, cultivate that certainty, to pivot from where you are to where you want to go and to rise up as the powerful king or queen you’re called to be…

…Who consistently steps into their power, leading from passion, to fulfill their purpose while maximizing profits by leveraging the proven weapons found within The MoneySMART Movement.

My question to you is: are you READY to answer the call? Are you ready to become all that God has called you to be? Are you ready to build a life of meaningful significance that transcends your personal needs, wants and goals and even your time here on Earth?

If you are at least open to exploring how that might look, please reach out to me and let’s have a conversation to see if we should work together. 

Matt Sapaula
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