Hey , do you mind texting me what this budget looks like ?

This is what my hubby and I did as well. People over estimate what they actually spend. Good luck on your debt free journey

Those were the good ole days before inflation and cost of hike increase.

sounds like you paid much of the house off when $20/hr was worth way more than it is today though.

We are in the same Emma a family of 4 living with a budget, cooking all the meals, buy second hands clothes, if possible

Actually, the problem is the stupidity that people Poston tick-tack

Your on your way. Good for you. Cheers👍

He’s funny too😂

Both George and Jade are gold :)

Your Minecraft home doesn't count.

Wow that's really good yall are blessed by the lord.

Well yeah, $25/hour is reasonable if you were able to purchase your home for less than $250k 15 years ago at 3% interest. Too bad everything around me is $500k + and rates are around 7%.

You could work too

@@15KHPCLUB ? We own a home outright. We make less than 50k. It can be done. Why so negative?

How are you making $29/hr at 22? I mean, besides obviously having luck on your side.

@@fuzzypanda1684 luck was a part of it, but I also worked my butt off and work at a really difficult property. I work at a large apartment complex(potential of 926 residents) that has a history of neglect, so nobody wants to work there due to the high work load combined with a lot of messiness and a bad reputation. I went from being a part time leasing consultant($15/hr plus commission and rent discount) to demanding $17/hr 3 months later since I was keeping leasing going, then $18 when I went to full time last November, then opportunity for Assistant Community Manager(basically the #2 in charge) in January. I was initially at $24/hr due to my lack of experience, but after 60 days once I showed that I could do the job well, I got boosted to $29.05(plus I get commission, rental discount, and a maximum of about $6500 in bonuses per year, likely only gonna get about $3500 this year)

@@fuzzypanda1684 my luck was in the fact that the new incoming manager got a great impression of me since I was the most experienced worker and I did work well outside of my job role(I was literally doing maintenance and management work along with leasing…) and that the current assistant community manager was doing a bad job

@@morgenglende-michalski369 Ah, well honestly, it's really great to hear you acknowledge that luck played a major role in your success, as well as your hard work. Nothing irritates me more than when people claim that their success is due entirely to their hard work, but then you listen to their story and it's full of instances of meeting the right person at the right time, being in the right place at the right time, having a manager who likes them etc. It's like when Joe Rogan says 90% of success is just showing up. Yeah, for YOU Joe. For some of us, showing up won't have any affect at all or might even make things worse. Take your manager situation. Years ago I was in a similar situation with a friend of mine. We both worked at the same company and there were two owners. One really liked me and hated him, the other really liked him and hated me. The one who liked him and hated me ended up taking over and despite both of us being on the same project, both putting in lots of overtime, taking on additional work etc. He got promoted while I got fired. That's when I learned that hard work is the engine, but luck is the transmission. You can have a 1000 HP engine, but if your transmission is ****, you ain't going anywhere.

Those jobs suck I got out for less pay as soon as I could. The residents are unpredictable and scary

Are you telling me 3 people can live off 50k in 2023. Are you in a metropolitan area?

Same over here as a family of 5. Priority shifts are crucial

Awesome. You two are smart 👍🏾 Keep it up

I make $18 an hour for a family of 3 No government assistance. Just extreme budgeting going on in my home.

Very cool!

Lifestyle inflation is rough.

If you can't save money at $36/hour then that's 100 percent on you.

That's 100% lifestyle inflation.

Doesn't affording a kid cost a lot and not count as lifestyle inflation?

I made 48k last year for a family of 4 and it’s was very tough. I graduated college and was able to triple my take home and I’m doing the reverse of lifestyle creep.

I literally lol’d at that comment. Some homemade sourdough with half an avocado, butter, salt and a poached egg costs what, $1.65? Depending on the cost of avocados near you? Maybe add some berries for another $1.00 and get really fancy😂.

Well yeah, when you're paying 35 dollars a morning on eggs Benedict and mimosa.

Very Boomery avocado toast puke esque vibes there!

What helps you is your cheap rent (renting a room probably) If you had to pay for your own apartment you'd be screwed in silicon valley.

isn't the median income in San Jose the highest in the nation?

@eggheadegghead it is among one of the highest because of all these tech companies here pay their engineers well.

Yes, I realised that the average educated middle class American doesn't know how cheap living in America can be of you know what to do. However, how come your rent is only $700 : do you live in a 3 - 5 bedroom house with friends/family or what???

What car insurance you have that it’s $40? Interested on this

Same situation here for the last 10 years but in SLC, UT. My wife recently got a part-time gig (2 minute walk away) so I could spend more time with our kids. $40k/yr for us is enough, but things would be much different if we purchased a home just a few years later.

Holy moly 40k to for a family of 6

Could you break down your 2-3 biggest expenses. It’s hard for some of us to wrap our heads around. I’m in DFW, bought a house for 200k in 2019. Mortgage is $1600, childcare is about $1550, insurance was about $1300(down to $400 w/new job). What do you do for electricity. Last summer we had a few $400 months.

Yeah, I am very seriously considering moving to West Virginia after saving up a little more money. I've never lived in the east, but between mountains, house prices, and wages, it seems like the perfect place to live.

What's wrong with living and "average" lifestyle? That's why it's average, it's normal, typical, expected. That's nothing to be terrified of.

All of your women hating comments make sense now. You're miserable and insecure. What skills are you learning to improve your income (and don't go blaming women for why you haven't learned these skills)?

Agree, housing costs are brutal.

I second that! He is easy on the eyes too, which helps! 😍

George keep up great work

Very good work george.

Agreed! Thanks for adding your flare to things, George!

Try it now. Not a house you bought 15 years ago & 1/2 paid off!

I agree. You can definitely budget and make it on 50k for a while. But you better be figuring out a career that will get you a better salary or you will struggle and find yourself 55 yrs old still living with a roommate and eating ramen.

3:15 Of course there are things he wants to experience that he can't do on $7.25 an hour. Most likely a McDonald's counter type job. Opinion: Those type of jobs shouldn't be used for primary income permanently - they are stepping stone jobs, second side jobs to pay off something or summer break type jobs.

Must be nice to still live at home rent-free.

​@@stevenporter863lol who do you know is making $7 an hour this day in age?

Correction: You WILL make 25+ per hour and you will become a millionaire. Adjustment has been put out into the universe. Good luck bro.

Come be frugal in Frisco, TX now. $750k starter house, 7.5% interest $23k property tax! You can live 90 minutes away in section 8 govt hood housing with crime & maybe save enough to adopt a guard dog or buy meat at Aldi once a year!

Yup, I live off 80K a year and I got rid of my car payment last year, it's amazing what another 500 a month does!!

First, it's 50K a year. I'm sure you just made a typo there, but he stated it's seasonal. Do it for a limited time. It just so happened I had a friend that needed a place to stay for a short time so she moved in and that helped me get out of debt faster as well as get my emergency savings started (Baby Step 3). Not to mention, I cut back on many expenses as you suggested. No one needs coffee so don't even make it at home and you save 100% on that. Seasonal Sacrifices.

I feel like his first option shouldn't have been to get a roommate. There are plenty of sacrifices to be made in order to make it living on your own. The best piece of advice I've ever gotten is " you can have the things you want, you just can't have EVERYTHING you want"

No behavior can't make up for all the money one does not make. I know this because I used to live with people making $600 to $800 a month while I made at least $1,600 a month MINIMUM. So no math does matter it just is not the only factor in outcomes.

It’s a joke for most. Tell a married couple living in a trailer to put 2 new roommates in a tiny trailer park single wide tiny guest room with no heat or ac & also use same space for their 2 kids to live & use room for an air bnb. See George I fixed it. Now they can close their credit card permanently and pay cash for Dunkin’ Donuts once a year on their birthday for a $2 value menu upgrade versus the 25 cents bran o wheat cereal they use shelf stable pea milk for!

But if you're supporting a family, that means you're living with roommates, no? I don't know about you, but my family definitely lives with me!

if you rent out a room for say 300-600 then ya doable to not be paycheck to paycheck

To be fair, on a line item basis half of your water bill are fixed fees (unrelated to consumption) and a good portion of the energy bill relate to heating/cooling (only needed once). So it's between splitting it in half and the full amount.

You must live in the south or middle America. I make around the same as you and home ownership isn’t even a vision in the distant future 😅

Living alone has always been a luxury. Doesn’t matter what decade.

Living alone has been an affluent luxury, even in the 20th Century. All the other working to middle-class generations I know, they were living with a friend or getting married or co-habitating, living in the barracks or college dorms, frat house or had a tiny studio or 1 bedroom for themselves. Living by yourself is not a thing unless you are making a great salary or otherwise living by yourself but paycheck to paycheck, or single parent or substance abuser.

When I lived in Buffalo, on mid-$20's an hour, I was living like a king. I even did well on low paying jobs before that, able to get by.

Only roommate I ever had was my wife!

@@lbailey325 You two probably had the same interest. How is that a roommate anyway? I leach off someone makes me a leach there is no way they could be a roommate in that situation.

Werent peoples first roommate/s your best friends in high school all looking to get a cheap 2/3 bedroom in the rough neighborhood together in the years right after graduation. Otherwise you went to college or military or just stayed at moms house.

Wrong zip code & wrong year to buy & no crash ever will attempt to ruin you’re life & put you in bankruptcy court if you allow it!😊

In California you can't live at all. No matter how much you earn.

Thought I was the only one that caught that

Electricity too. Won't be cut in half. Definitely reduced, but not cut in half - more lights will be used, maybe two computers at once, etc.

My water is a fixed amount so it could reduce by half. The electric one is still kinda iffy. I average 150 a month with 2 people (electric heat and AC and my husband is a big gamer.) But then again, my expenses aren't quite as high as in the video in general.

That's not actual true, that's just propaganda perpetuated by the left. Rich people don't have incomes the way most people do, so they don't have income tax. The left uses that to say that they don't pay tax. But they still pay all the other taxes, including capital gains taxes if they liquidate stocks or anything.

"Uncle" We had a couple "uncles" that had to sleep it off on the couch.