No video
Living On $130K A Year In Philadelphia, PA | Millennial Money
Рет қаралды 218,590
2 жыл бұрынLenerson Pyrrhus, 26, lives in Philadelphia, Pennsylvania and earns $130,000 a year as an infrastructure developer for JPMorgan Chase. He was inspired by CNBC Make It's KZfaq channel to improve his budgeting and investing. He's pursuing a master's degree in applied data science and hopes to cut half his debt by next year. This is an installment of CNBC Make It's Millennial Money series, which profiles people across the globe and details how they earn, spend and save their money.
Nearly 20 years ago, most of Lenny Pyrrhus’ immediate family fled Haiti after his uncle, a popular musician known as Ti Pierre, was killed during a political protest against a repressive military-led government in 1991.
“All of my grandmother’s kids, one by one, got their citizenship and brought their families to the [U.S.],” the 26-year-old tells CNBC Make It. “That’s how we established ourselves here in America.”
Pyrrhus’ aunt and grandparents were already settled in New Jersey when he arrived with his father in 2000, when Pyrrhus was four. His sister followed in 2003, when she was three. However, in the post-9/11 world, immigration restrictions meant that Pyrrhus was unable to see his mother for another 10 years.
“My family went through so much suffering before I was even born, and then for me to have gotten that kind of opportunity in America, I tried to figure out how to make the best of it,” he says.
For Pyrrhus, that meant taking advantage of the educational opportunities found in the U.S., where his talent for math has led to a successful career. Today, he makes $130,000 as an infrastructure developer for JP Morgan Chase in Philadelphia.
» Subscribe to CNBC Make It.: cnb.cx/2kxl2rf
About CNBC Make It.: CNBC Make It. is a new section of CNBC dedicated to making you smarter about managing your business, career, and money.
Connect with CNBC Make It. Online
Get the latest updates: www.cnbc.com/m...
Find CNBC Make It. on Facebook: cnb.cx/LikeCNB...
Find CNBC Make It. on Twitter: cnb.cx/FollowC...
Find CNBC Make It. on Instagram: bit.ly/Instagr...
#CNBCMakeIt
#MillennialMoney
Living On $130K A Year In Philadelphia, Pennsylvania | Millennial Money
@CNBCMakeIt 2 жыл бұрын
What's your budget breakdown? We're looking for stories from all ages, not just millennials! Share your story with us for a chance to be featured in a future installment of Millennial Money: cnb.cx/32TYZ2K
@MikoWorldwide 2 жыл бұрын
Feature me
@shakerboi6992 2 жыл бұрын
Is this a free feature do the subjects get paid?
@davidsiaffa1709 7 ай бұрын
I don't have a job I'm a student
@erickn7985 2 жыл бұрын
The most scary part was that he only saved $292 but spent $2 9k on food💀💀
@utinsutiwi 2 жыл бұрын
I make 1/4 of what he makes and save over $200 each month. I live in Philadelphia, my rent is the same as his too.
@prettygirlus9008 2 жыл бұрын
I spend $100/week on food.
@kwazzik5453 2 жыл бұрын
It's crazy to me
@brianwilliams8568 2 жыл бұрын
That’s where his budget come from by eating
@jones2277 Жыл бұрын
what? he's a growing boy.
@paulk527 2 жыл бұрын
This budget is insane, he’s basically living paycheck to paycheck on a $130k salary
@Rashaadthegr8 2 жыл бұрын
42% of people making 6 figures or more live check to check.
@alp.9672 2 жыл бұрын
@Sean Jones Look it up
@MellyC1207 2 жыл бұрын
@@Rashaadthegr8 Yooo that’s insane. It’s a SIN in my household to throw money away on Interest Payments! 😳
@butterflymoon6368 2 жыл бұрын
yeh he's a kid though - 26.
@garyish 2 жыл бұрын
@@butterflymoon6368 even more reason to control himself and pay off student loans in a year and then resume his lifestyle. I am a millennial millionaire in my 30s because in addition to having fun, I was also financially disciplined (or rather less reckless) in my 20s The 20s are the best time to reap maximum benefits of compounding
@mikesangern8285 2 жыл бұрын
Graham Stephen is going to have a field day with this episode lol
@rafaelrcaycho 2 жыл бұрын
Agreed!
@jester6909 2 жыл бұрын
Graham is daddy
@1jeffboss 2 жыл бұрын
😂😂😂
@k.loraalatise1957 Жыл бұрын
He STILL hasn’t reacted smh
@paul59572 Жыл бұрын
I’m still waiting
@duboisrenee13 2 жыл бұрын
As a Haitian-American myself, I CANNOT agree with spending almost $3000 per month on food/dining out!! I know your parents don't agree with that. I can afford it, but why. I'm disappointed with that part. That money can be used for your student loans and credit card debt.
@Zoey24 2 жыл бұрын
Completely agree with this! Immigrant parents always tell you “there’s food at the house” for a reason. For a single person to spend that much money on food for themselves, they’re definitely not interested in investing in their financial future.
@winnersmakenoexcuses2360 2 жыл бұрын
Give the man a break. He's 26 and makes $130K. That's a big achievement. At least in my book. Could he be cooking more at home? Yes. But maybe that would make him a less happy and productive employee. Don't look so narrow.
@saulgoodman2018 2 жыл бұрын
@@winnersmakenoexcuses2360 But he is living paycheck to paycheck.
@garyish 2 жыл бұрын
@@winnersmakenoexcuses2360 I think he should curtail his ridiculous going-out budget for like a year.. that itself will pay off his student loans. And then he can resume his lifestyle. Short term pain for long term gain. Not a permanent lifestyle adjustment
@dynamichunter843 2 жыл бұрын
@@Zoey24 bro every parent says that lol
@tb11212 2 жыл бұрын
I hope this guy takes some of these comments constructively even if they are a bit harsh. I want to acknowledge that it takes courage to share your finances with the internet. It seems like he’s suffering from lifestyle creep. As a single person, you can definitely eat out a ton and cook at home on $800. He could take the extra $2k and divide it between his student loans, his car, and savings. With that kind of income and the right discipline, he could be debt free in less than two years while still having a life. I’m sure he works hard so I just don’t want him to look back in 5 or 10 years and realize he didn’t save enough and spent too much on “in the moment” and not enough on saving for the future during his best earning years…best of luck to him.
@shinji1264 Жыл бұрын
You shouldn't drop information this good on the internet for free, people pay life advisors big money for a lot less, let em crash and burn.
@mike-yk4yk Жыл бұрын
@@shinji1264 not everyones a dickhead
@aisha3517 Жыл бұрын
@@shinji1264 this is such a sad take, not everything has to be done for monetary gain you can just share useful information that could benefit someone and that good karma will come back to you in some way shape or form
@nicolebond3992 Жыл бұрын
You are spot on in your analysis. Wise words indeed.
@Arin9626 Жыл бұрын
Most PhD students in America get around 30K, even those in STEM field. And they have to manage all their expenses in that. Sacrificing few years financially for a long term payoff
@HiDean 2 жыл бұрын
This man better pray he doesn't get laid off. Because he'll regret spending all that money on food and not for the future
@quaithom3138 2 жыл бұрын
He has the skills to land another high paying job.
@Tunechi65 2 жыл бұрын
@@quaithom3138 yeah as a fellow engineer although jobs are never guaranteed, the good thing about engineering is you can find another job quickly. Hopefully he has savings
@ForEverMeTori 2 жыл бұрын
@Quai Thom yeah but who wants to work for the rest of their lives. That is why you make smart decisions with your money while you're working. And with $130k you can get there faster. But he is flushing it down the toilet every month on eating out. God forbid his health is comprised and can't work. I hope he has enough savings to afford the care. Just sad to watch. 😩
@ad2094 2 жыл бұрын
@@ForEverMeTori most people will work the rest of their lives. After the age of retirement, many still find odd jobs to do. I think most people want increased flexibility to work when they choose, as opposed to not wanting to work at all. That might actually be dreadful.
@naimahabdullah-gulley4405 2 жыл бұрын
This is an example of a HENRY (High Earner Not Rich Yet). The good thing is that he's young. If he turns his spending habits around in the next couple of years, he can still start his financial journey to building wealth before 30.
@anyib.3150 2 жыл бұрын
Love this acronym
@jamsrandorjbatbayar3652 2 жыл бұрын
HENRY only makes $130k? I thought it was more like $300k lol
@karakol86 2 жыл бұрын
He could be a millionaire by age 40 if he would manage his money. I really hope he didn't buy that suit. Also, he seems proud to have this crappy financial discipline
@randytherealtor3212 2 жыл бұрын
@@jamsrandorjbatbayar3652 HENRY’s make at least $10k a month which he is passed that mark.
@darickfoxo7986 Жыл бұрын
This is an example OMW2B
@AshleyEllise 2 жыл бұрын
This was painful to watch. I really hope he turns his money habits around, he seems like a nice guy. Because he could very easily pay off his debts or drown in them...so unnecessary at that salary.
@theveganbrokernyc 2 жыл бұрын
There’s no reason to save only $292 a month and spend $2681 on food/going out and have discretionary of $900 on top of that. Someone help fam.
@ForEverMeTori 2 жыл бұрын
You guys saved me from having to express my reaction to this video. What a disgrace. 😩
@donndonnn 2 жыл бұрын
Same thoughts here. However I think he just started making that as salary since he enrolled in the masters program last year. I assume he “just” graduated and landed the new role
@sunshinexoxo6107 2 жыл бұрын
Under $300 in savings per month while earning over $7400 per month? You've done the hard work and are earning a great salary, take the time organize your finances and put yourself first. Even the boring 50/30/20 rule could work as a start. Savings and investments give peace of mind. Best part is you can still enjoy restaurants, concerts, sports events. Just organize
@mackeejack6731 2 жыл бұрын
Fr he could be a millionaire in 10 years easily
@Audreylin29 2 жыл бұрын
Yeah! Glad for your comment :) not gonna watch this video now
@MikoWorldwide 2 жыл бұрын
$7400 per month is a great salary? Whoa,our definitions are way off.
@Tunechi65 2 жыл бұрын
@@MikoWorldwide that's like top 20 percent in the country. Yes it's a great salary. More than the average HOUSEHOLD income
@pg9566 2 жыл бұрын
Bruh this is one of those rare cases where he should follow Dave Ramsey's approach
@alp.9672 2 жыл бұрын
lol
@stevenedwards891 2 жыл бұрын
Ayo Dave Ramsey… Come get the Dude!!
@612osiris 2 жыл бұрын
🤣
@idrkok 2 жыл бұрын
He makes a lot of money, but he's literally eating it all away.
@jasminecontreras7341 2 жыл бұрын
It’s disgusting 🤢
@marlenetapilang3584 2 жыл бұрын
If this guy exchange his food budget to his savings or his investment, he’d be debt free faster and maybe can “definitely change his trajectory and definitely, you know, get some type of financial, you know, freedom”.
@lorrainea.285 2 жыл бұрын
I spend $240 a month on food living in upper Bergen County!!! His food bill is RIDICULOUS!!!!!!!🤯🤯🤯😱🤯🤯🤯🤯
@marlenetapilang3584 2 жыл бұрын
@@lorrainea.285 truly ridiculous and yet he’s talking about financial freedom. I wonder if he will ever achieve it. They should feature someone who is inspiring
@donnaledbetter1571 Жыл бұрын
THREE cartons of eggs in the fridge.
@Charlie2timez Жыл бұрын
Or..you could mind your business bc it’s not your money. Take the lessons you want and leave the ones you don’t.
@NTUser1 2 жыл бұрын
Graham Stephan is going to have a field day with this guy
@mrallenwing 2 жыл бұрын
Came here to say this !!!!
@mrallenwing 2 жыл бұрын
All he has to do is cook his meals at home and only go out once a week and he would be debt free in a matter of months
@Styles9292 2 жыл бұрын
I was thinking the same thing
@AF-pw8il 2 жыл бұрын
Lol
@ShervierJ 2 жыл бұрын
Or a heart attack
@Yardie_in_Tampa 2 жыл бұрын
This is painful to watch. I left Philly 2 years ago, making over 100k per year and single, he should be living virtually debt free (except for maybe student loan and a mortgage). Philly is one of the more affordable cities to live. Atleast when I use to live there.
@CC-cv3xk 2 жыл бұрын
Affordable for who? Philly is expensive. Especially SP!
@deebrown7160 2 жыл бұрын
Im looking to buy whats a good zip code to buy in, I dont mind fixer uppers. Thanks
@ICgay4 2 жыл бұрын
yeah not the same anymore, prices and cost of living is not as cheap but now everyone raised their rent
@essflem 2 жыл бұрын
It’s still one of the more affordable cities in comparison to others but everyone’s been hit with crazy rent prices due to developers and also the recession is nuts. Very expensive, but since this is happening everywhere, by comparison still more affordable. I have no idea how this man is spending this way in this city.
@Haruzak1 2 жыл бұрын
@@CC-cv3xk I live in SP, a homeowner here. Philly is affordable city if you can manage your money. You can live good here with minimum wages compared to NYC or West Coast.
@lidyasolomon5557 2 жыл бұрын
I’m shook the food alone could pay my monthly bills 😭😭😭😭😭.
@delissiaglenn254 2 ай бұрын
The amount he spends on food is how much I make in a month 😢
@naturalbeauty_abena1230 2 жыл бұрын
I hope this brother switch it up quick and clear all that debt and start saving and investing.
@icetrip2417 Жыл бұрын
True
@zacharyporter3637 2 жыл бұрын
Successful people don't become that way overnight. What most people see at a glance-wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
@brendaalmeida2068 2 жыл бұрын
@Ethan James I totally agree with you, the crypto currency market is the most profitable venture I ever invested in, I reached my goal of $500k yearly trade earnings. Setting realistic goals is an essential part of trading
@paolosalvi467 2 жыл бұрын
Speaking of investing
@paolosalvi467 2 жыл бұрын
@@brendaalmeida2068 I know I am blessed because if not I wouldn’t have met someone who is as spectacular as expert Mrs Grayson Amelia
@helenwallace5983 2 жыл бұрын
@@paolosalvi467 wow!! you know her too?
@helenwallace5983 2 жыл бұрын
I even thought I’m the only one she has helped walk through the fears and falls of forex trading.....
@td69 2 жыл бұрын
“I used to have terrible financial habits” 😂😂 Dudes food budget is 10x his monthly savings. “I had to get a Mercedes’ because my Grandma had the same name” 🤣 there’s still time to take down this episode CNBC, this has gotta be a joke. My man is saying all the right things yet does the opposite. He’s completely broke…. Respectfully.
@CheJoffre 2 жыл бұрын
Haha, no, CNBC needs to highlight this one in a "what not to do" series, SMH
@SeeWonderHaveLive 2 жыл бұрын
LOL! It is called learning from big a$$ mistakes, why would they take it down? 😮
@AlexSchwartzATV 2 жыл бұрын
It is pretty shocking to see $900/mo rent and $130k salary and $7000 CC debt.
@phillyant58 2 жыл бұрын
@@AlexSchwartzATV when they said he has 7k credit card debt with the amount he makes and the rent he pays I was blown away. How? He's not financially mature yet
@icetrip2417 Жыл бұрын
@@AlexSchwartzATV its wild
@oshkoshbegone 2 жыл бұрын
If this guy goes frugal for 1 year he could pay down 50k in debts, that's all his credit cards, his car and half his student loans... its mind boggling that people pay the minimum repayment on credit cards. that's over 20% interest.
@R_A_3000 2 жыл бұрын
That's what I'm doing now and I make less than 100k. He's eating out way too much and he can save to own a home instead of paying $1000 a month in rent and bills.
@oshkoshbegone 2 жыл бұрын
@@R_A_3000 they should change the title to living broke on 130k a year
@SeeWonderHaveLive 2 жыл бұрын
It seems like he has to use no more than 300 a month on restaurants with his debts. Someone who says they don't want to get too emotionally involved as they spend is sort of dodging accountability from that equation! I have lunch dates for business on zoom. I don't pay for parking, food or tip. There are some ways to socialize without over indulging at a restaurant too.
@hashiramasenju6058 2 жыл бұрын
$2,861 per month on food is equal to about $95 per DAY! And why tf is his transportation costs $988 per month? Doesn't Philly have a good light rail system? He shouldn't be paying that much for a car.
@cyd6548 2 жыл бұрын
Philly has a pretty good transportation system. Tbh he doesn’t need his car for where he lives. We have buses, trains, and subways that work frequently. The transportation system is regional. It’s all of southeast PA & northern DE. Even so he works in Delaware, the regional rail travels to Delaware. He seriously doesn’t need the car. He’d pay $204 a month
@dabookwriter 2 жыл бұрын
$2300/mo on food? He’s a very hungry man lol
@deebell1638 Жыл бұрын
I'm sure that amount includes alcohol.
@julianmark8866 2 жыл бұрын
Nice video!! Very engaging. Rich people have assets, which are inflation proof. On the other hand, earned income is vulnerable to inflation. That's why the rich get richer in inflationary environments. An example, wealthy person may own several homes, rental properties(Commercial/Residential), businesses, productive land, equities, bonds, etc. The average W2 employee gets taxed the highest rate, they own almost no productive assets.
@julianmark8866 2 жыл бұрын
Investment on risk assets (stocks, crypto, etc) is easier with proper guidance, especially from a proffessional it really helps reduce the chances of running into losses
@julianmark8866 2 жыл бұрын
@Debra Johnson I had this experience during the last economic downturn and thought I had lost everything but thanks to Ms. Jennifer Marie Ferguson who managed my portfolio, I recovered all my losses.
@julianmark8866 2 жыл бұрын
Stop managing your portfolio and write to her since you keep losing money, she's a trading pro. She will help you win passively.
@jameswood2615 2 жыл бұрын
Jennifer Marie Ferguson is the best contract trader I have traded with, I have made good profits with her and I am growing my portfolio every month through DCA.
@alessiaroca4966 2 жыл бұрын
I lost a lot in the stock market crash, please I need help. Thank you 🙏
@laurenruss5594 2 жыл бұрын
I think this Millenial Money episode highlights how a lot of millennials know the “talking points” associated with personal finance, but don’t actually put them into practice. I was listening to this video and I felt like the philosophical statements didn’t match his actual spending. This looks like a classic case of lifestyle inflation when you get a nicer paying job. It’s so easy to fall into, at least Lenny acknowledges his debt and has outlined a path he hopes to take to tackle it. It is worrying however that he hasn’t expressed in this video that he intends to change his food habits. Maybe when he sees this video, he’ll realize how much of his total budget that eats up! I cannot wait to see Graham’s reaction to the “have fun” spending portion of the budget! (Upon watching the video again, I think he is emotionally detached from his spending to the point where it means nothing to him, which is dangerous territory for unintentional overspending. I fell like you need to care about money and where it is going a little bit to be in control of your finances!)
@hashiramasenju6058 2 жыл бұрын
Yeah he even tried to say his family instilled frugal values in him. I grew up in a family that was the opposite of what he says his family is like and none of us have a spending problem like this.
@chadbailey7038 2 жыл бұрын
💯 %! “Hey guys, it’s Graham here” is gonna have a field day! I mean, how is his outstanding student loans the same amount as his Benz?! 🤷🏾♂️ 🤦🏾♂️
@raytas9140 2 жыл бұрын
Graham is gonna love this 🤣
@aznpr1d3n 2 жыл бұрын
Perfect analysis of this video! My thoughts exactly
@SeeWonderHaveLive 2 жыл бұрын
I used to eat out but not like that. It just always goes in the 🗑 🚻
@KlausDemosten 2 жыл бұрын
A few tweaks and he could change his financial life. I think at this point it's a matter of choice.
@LK_EBM 2 жыл бұрын
This video teaches us what NOT to do with our money. Hopefully this video gives the guy a much needed self-reflection.
@poundtrader1414 2 жыл бұрын
👍👍
@nrivera567 2 жыл бұрын
Right on point 👏🏻
@kellyiannone 2 жыл бұрын
Agreed! Spends $2.9k on eating out and saves $292! 😳
@AllAboutPurple 2 жыл бұрын
Lmfao facts!!!
@edmondgab 2 жыл бұрын
You’re absolutely right on that. $3k on food, take out that’s ridiculous!
@Londa.G 2 жыл бұрын
OMG wait until Graham sees that food budget! LOL!
@AllAboutPurple 2 жыл бұрын
😂😂 it will be fun to watch for sure
@saulgoodman2018 2 жыл бұрын
That's 14,500 20 cent iced coffees. With inflation, maybe 12,000.
@duboisrenee13 2 жыл бұрын
I cant wait!
@magicxsquare_ 2 жыл бұрын
Lmao when he said “I spend $2300” I thought he was going to say on living expenses overall. But he said “on going out food and drinks with friends” dropped my jaw. I make around that same exact amount and I spend $2500 on all my expenses and save the rest
@lidyasolomon5557 2 жыл бұрын
Exactly he’s spending someone’s monthly bills to eat out 😭😭😭
@chrisSea1346 2 жыл бұрын
Right? I thought he was going to say $2,300 on rent.
@TheBlackDorothyZbornak 2 жыл бұрын
So it wouldve been better for him to spend high on rent instead? Lol the outrage here makes no sense
@magicxsquare_ 2 жыл бұрын
@@TheBlackDorothyZbornak it would’ve been better for him to save and invest. Having a high income is about living frugally and saving to invest for a better future. My rent is $1500 while all my monthly expenses including food, gas, car, come out to $2500. Leaving me with around $8,000-&10,000 to save and invest every month
@magicxsquare_ 2 жыл бұрын
@@TheBlackDorothyZbornak also you saw his car and place, he’s spending every dollar he makes. This is what you call a broke man, if he lost his job today, he’d be homeless next month. A very weak sense of self control which causes him to forget he broke.
@BlueStreak706 2 жыл бұрын
Dave Ramsey would tear him up! $2,500 on food? Wow! While he’s hauling credit card debt, student loans and car notes? Wow!!
@holdupnow2326 2 жыл бұрын
I'm seeing a lot of young adults are spending more money on their social life eating out, festivals, etcetera. Especially when they grew up poor once they have the income to splurge on materialistic items. Yet they are still paying off student loans or willing not to repay the loans.
@sab-vl4jg 11 ай бұрын
HUGE reason why student loan forgiveness is and always will be such a stupid idea that I find it hard to believe it's actually a thing now!!
@TritoneTrickster 2 жыл бұрын
Interesting. He talks about “paying himself first” but he only saves $300 and spends almost $3k on food on a $7.4K budget. I earn half what he does and manage to put away triple what he does. I reckon he can get his food to match his rent and still have a good time, putting the rest away into savings and investments. He’s got quite a lot to learn still but his head is in the right place looking ahead, so hopefully he can cut down and save/invest up ASAP.
@emmanuelharbor2350 2 жыл бұрын
Quite agree
@ennvee1989 2 жыл бұрын
He needs to get rid of the Mercedes and get a cheaper car.
@pkal244 2 жыл бұрын
$300 savings a month lol!! With a Mercedes with 0 down and other debt on top of that. This is a lesson on what not to do with a six figure salary. We make 3x what he does and pay exponentially more into investments with zero debt. He'll be paying for his bad choices for at least a decade, assuming he changes them!
@saulgoodman2018 2 жыл бұрын
@@ennvee1989 For his income, his car is not that expensive.
@ennvee1989 2 жыл бұрын
@@saulgoodman2018 He can also start preparing food at home to save even more.
@noahpassmore6452 2 жыл бұрын
he could pay off the car in a year if he fixed his food payments lol
@blackjamesbondd 2 жыл бұрын
This is honestly sad; he spends almost 1000 on his car and saves less than 500. This is the prime example for lifestyle creep.
@AsToldByDesiree 2 жыл бұрын
This was really rough he needs some financial advisory . With that salary he can easily have no debt and still do the things he enjoys
@Revocateanimos24 2 жыл бұрын
Graham is gonna have a heart attack with that food budget it's been foretold!
@elanafelberg1733 2 жыл бұрын
:) That's exactly what I just thought!! hahahahha
@moyaondemand 2 жыл бұрын
Ikr 🤣
@Sumthinsumthin252 2 жыл бұрын
$2300 is excessive! He could save, invest or pay off his debt by reducing it to even a third of the cost. He still would have plenty for groceries, eating out and drinks.
@CheJoffre 2 жыл бұрын
A train wreck waiting to happen. Especially with his terrible debt practices. Unless he changes his bad spending habits, he is going to be a classic example of someone who lets lifestyle creep eat away at any increase in income he gets with time. I sincerely hope he reads through the video comments and gets a better perspective on the mistakes he is making, financially speaking.
@kellyhou9594 2 жыл бұрын
Yes, I agree. Economy is good now and it is not difficult to find jobs.... but when the table turns, it is bad to not have some savings on your back.
@Tkenny35 2 жыл бұрын
people think their money habits will go away when they make more money but I saw a quote online that said if you are bad with $100 you'll still be bad with $1,000. Making more money wont solve your financial problems. Its ultimately up to you to be financially literate!
@dallasknowles2301 2 жыл бұрын
How does he live in center city and only playing 897 a month on rent?
@lagarde2011 8 ай бұрын
@@dallasknowles2301 He's in North Philly.
@AlexCab_49 2 жыл бұрын
Philadelphia is one of the cheaper cities to live and with reliable public transportation so he really doesn't need that $26,000 car or to eat takeout so much.
@michellemarie1197 2 жыл бұрын
Exactly, if I lived in a bigger city I wouldn't even bother having a car
@harris977 2 жыл бұрын
It is for clout and 👭
@djwoosie98 2 жыл бұрын
Yeah he is making LA, Bay, and NYC money in Philly but doesn't own a home or have better savings. Me in his shoes would never be so reckless
@AlexCab_49 2 жыл бұрын
@@djwoosie98 If I made that money I'd buy a home In Philly cus for a major city it's pretty cheap.
@djwoosie98 2 жыл бұрын
@@AlexCab_49 same
@SeeWonderHaveLive 2 жыл бұрын
His budget for food is over 2000 USD a month! You can feed 5 children on that!!!
@Michael-gh5ys 2 жыл бұрын
We have the same salary and i doin't think i can spend 3k on food even if i tried to eat out everyday. Thats $100 a day for 30 days.
@kamilsultan1637 2 жыл бұрын
Might be paying the whole bill and not getting reimbursed by his friends.
@kstar1956 2 жыл бұрын
I bet he’s definitely buying drinks for himself and friends because that amount can NOT just be on food alone! Alcohol is the most expensive thing.
@Tunechi65 2 жыл бұрын
@@kstar1956 he's definitely flexing to his friends and buying them stuff to look cool. Wish I could find this brother and talk to him
@swabrren 2 жыл бұрын
He must be paying the tab for his friends
@iriemo721 2 жыл бұрын
Right! What is this dude eating?!?
@zackdozer 2 жыл бұрын
I think the most egregious part is how he’s missing out on free money. I work as a line cook making 25k and my company gives me a 6% match on my 401k contributions, and in addition to other investments I invest more in a month than this guy does and also save more than he does. Mind you I make less than he spends on food every month. Considering he works for one of the biggest banks in the world, if he did the same thing he could get 10% - 20% easy, that means even on the low end at 10% contributing 740 he could get another 740 for a total of 1480 a MONTH, with no effort. Again that’s on the low end hypothetically. If you’re not gonna invest in anything at least take the match your company offers.
@swabrren 2 жыл бұрын
Seriously! His investments and savings being that low is wild considering how much he earns
@scotthaldeman3338 2 жыл бұрын
We are seeing his after tax, net pay budget. Can’t say for sure, but I’d imagine he’s contributing to a 401k
@laurynstubbs 2 жыл бұрын
😅😅😅😅😅😅j😅😅😅😅😅
@kellyhou9594 2 жыл бұрын
He should be doing the opposite to spend $888 on food, and $2861 to pay his debit. Average American income is around 35K so with his income, he should be able to pay all his debt very quickly. Merced are great cars, but expensive for maintain. Get a $5000 cash bought car, and your can use your car payment toward investing or save for home.
@iankamau222 2 жыл бұрын
He says: “I used to have terrible financial habits” and “I would like to describe my financial habits as balanced” but his massive food budget is 10x his savings.. he put $0 down on a Benz bc his granny had the same name (more debt and more big interest).. and he’s basically maxed out his credit cards and is only paying just over 10% on that consumer debt that is most likely 20-24% or more in interest monthly. He’s saying the right things but behaving totally different.
@iankamau222 2 жыл бұрын
also… HE WORKS FOR JP MORGAN!!! One of the biggest financial service institutions on the planet….. man.. he still has “terrible financial habits” ..I hope they helped this man and didn’t just film him and leave.
@NPAMike 2 жыл бұрын
He said he was inspired to be debt free but apparently his lifestyle meant more.
@darickfoxo7986 Жыл бұрын
Not one of it’s the biggest bank. dude is lost
@callmeteenice7545 2 жыл бұрын
This guy needs some real financial guidance now... Sad to see someone throw away money
@9770G 2 жыл бұрын
Only $900 in rent in Philly?!! Dude must have roommates. If you are gonna spend 3k a month in food alone, you should own a home already. That’s just stupid.
@mattmcclellan5214 2 жыл бұрын
Lol yea my rent is $1350 in LANCASTER
@CrackberryMe 2 жыл бұрын
Exactly, rent shouldn’t even be in the discussion, he should have passed on that Benz and bought a house.
@9770G 2 жыл бұрын
@@CrackberryMe if he lives in philly homes are crazy expensive like NYC. Probably doesn’t have anymore than a few grand in savings in his bank account.
@shaninicole1304 2 жыл бұрын
This was difficult to watch. $2300 spent monthly dining/hanging out, $7,000 in credit card debt with only a $10,000 limit, student loans and a huge car note 😳 Dave Ramsey would jump out of his skin if he watched this.
@teephillips468 2 жыл бұрын
I just made my 12 year old son, who is STEM leaning, watch this as a lesson on how not to squander a 6 figure salary. This man could be debt free within 24 months, and investing huge sums of money. Someone please introduce him to the FIRE movement.
@mackeejack6731 2 жыл бұрын
Your son will be a millionaire
@cocomarineblu993 2 жыл бұрын
It’s barely 6 figures
@djwoosie98 2 жыл бұрын
He is free to do whatever he wants it's not that bad.
@lenaprice6239 2 жыл бұрын
Yup, Lenny needs to learn about FIRE. He's young and should start investing ASAP!
@Tunechi65 2 жыл бұрын
Aerospace engineer here and I agree
@Dom-xi8je 2 жыл бұрын
This is probably the funniest and most true to life segment. I made nowhere near Lenny at 26 or now and I was like this lol. He’ll get it together or life will do it for him.
@icetrip2417 Жыл бұрын
Excatly
@abbyoneill4473 2 жыл бұрын
I totally understand wanting to have fun while you’re young but I really wish I could tell my younger self to sock away more money and invest more in my 20s. You never know what life will throw at you and you have to be ready. Medical and dental bills, having children, major home repairs, being priced out of your apartment rental and having to pay more or move, losing your job, God forbid getting into an accident or getting hurt and you can’t work. Please everyone expect the best but prepare for the worst 🙏🏻❤️
@NateBest 2 жыл бұрын
Graham!!! Teach this man!!!! 👨🏫
@bijoubijou7500 2 жыл бұрын
I gasped when Lenny said he spent $2,300 on eating out last month, BUT I am so glad that he feels free to enjoy his social life.
@mskrisl7535 2 жыл бұрын
Me Too! That money can be put into a Mutual Fund Life Insurance Policy with compounding interest /cash value so in 10-15 yrs he'll be rolling in money.
@mssha1980 2 жыл бұрын
@@mskrisl7535 where do you get these mutual fund life insurance policies
@mskrisl7535 2 жыл бұрын
@@mssha1980 Omaha Mutual but make sure uts a cash value with compounding interest.
@mssha1980 2 жыл бұрын
@@mskrisl7535 ok. So is it whole life or permanent insurance?
@mskrisl7535 2 жыл бұрын
@@mssha1980 It's a Whole Life cash value policy.
@jamsrandorjbatbayar3652 2 жыл бұрын
1. Used mercedes 🚩 2. Spending 2300 on bars 🚩 3. Only saving 300 per month 🚩 4. High credit card usage 🚩
@masterl14 2 жыл бұрын
Bro! Youre still young so i'll give some grace but if you're going to spend that much on fun/luxury etc you have to match it in investments which actually compound over time. Maybe match your debt repayment with investing/saving.... you're earning alot so have a good headstart!
@madefromstardust2250 2 жыл бұрын
I respect his humbleness but this guy needs to get better at financially managing his food expenses
@swabrren 2 жыл бұрын
I’m so shook at that food tab vs the monthly savings and minimal investments while working at THEE JP Morgan Chase making over 100k in a very affordable city. They’ve got to have generous 401k matching my god.
@AA-ig9re 11 ай бұрын
Didn't he just start? No 401k matching until after a year at JPMC.
@evee1233 2 жыл бұрын
This is the first realistic “not starving/going out/ not doing anything fun” video I’ve seen on this channel. He’s figuring it out, has no kids, and is young. Not everyone they showcase has to have it “together” by fin-bro standards. Yikes y’all are mad harsh in these comments
@neilt843 2 жыл бұрын
There’s a difference between having fun and being irresponsible. He is irresponsible
@lshplayer90 2 жыл бұрын
Great point, Ivie.
@jimmyli6594 2 жыл бұрын
Wtf is fin-bro standards when it comes to spending below your means? He makes more than enough to do a ton of these, spend a lot, and still make healthy financial habits. Carrying 7k in CC debt on a 130k salary and not being concerned by it is an issue…
@kevinmaghran6933 2 жыл бұрын
$2500 a month on booze and eating out is a joke. That's $80 every day doing that. No one is asking him to be a fin bro but spending $80 a day on eating out and booze is ridiculous.
@karakol86 2 жыл бұрын
@@jimmyli6594 and what I find most irritating about this is that he made no indication he sought out professional financial advice. This guy is a credit card company's dream. Wonder what his credit score is
@margotk538 2 жыл бұрын
Spending almost $100USD per day on food is crazy…even if you eat out at restaurants for all 3 meals that’s a lot…I think a few years later when he finally decides to save money, this is the first place he can cut down…
@wadesloan 2 жыл бұрын
I was actually very similar to Lenny in my mid-20s (minus that food budget!) so I do understand his perspective on "living life". I always had a decent amount money left over after paying bills etc and my mindset was ALWAYS what can I buy/do this month! I just didn't have a savings mindset at that age unfortunately, but I learned pretty quick after falling on my face a few times. I remember going to a new years party and could barely afford a drink because I spent so much on "fun" that month with no savings realizing I was basically broke until the next time I got paid (eye opener for me). I turned it around, but some people just live in the moment and don't think about building any kind of wealth or putting yourself in a position to save every month. You don't get that money back. The good thing about Lenny is he can EASILY change his financial habits while some people are stuck with debt/obligations that FORCE them to live paycheck to paycheck. Lenny you're in a great position in life and I have no doubt you can live that BALANCED lifestyle you mentioned in this video with a few tweaks. Good luck man!
@a.scoob2 2 жыл бұрын
This is just the tale of someone living way beyond their means. He makes a decent salary but eats like he’s the CEO. And honestly how does one person even manage to spend that much on food in PHILLY . It’s kind of impressive in a super stupid way
@blucow6677 2 жыл бұрын
This man is TERRIBLE with finances, I make peanuts compared to him and I can bet you I have more in my brokerage accounts than him.
@DeanBKK 2 жыл бұрын
Yea for real, BIG BOI gotta eat tho!
@blucow6677 2 жыл бұрын
@@DeanBKK 🤣🤣 fair enough
@TheBlackDorothyZbornak 2 жыл бұрын
his rent is less than 900 a month, spending that much on food isnt a big deal. Its the equivalent of someone who has high rent and spends less on food
@EldePHX 2 жыл бұрын
@@TheBlackDorothyZbornak you’re a clown for that comment 🤣🤣. He’s spending almost 3k on eating out and drinks. Clearly that needs to be addressed.
@yesthisisvic Жыл бұрын
I'd love to know the criteria CNBC uses to qualify someone as "making it." This guy is one missed paycheck from bankruptcy.
@deebell1638 Жыл бұрын
Yes, I'm worried about his savings if for some reason he is temporarily out of work. These days anything can happen.
@divadiya1 2 жыл бұрын
Wow, that food budget is unbelievable! He’s literally crapping his money down the toilet! He needs to see a financial advisor immediately and turn this around
@Edward-hn8ed 2 жыл бұрын
It's been awhile since they featured someone bad with money. Keep it up. These are more interesting anyways.
@djzaki 2 жыл бұрын
To be honest, everyone's roasting the guy but aside from food and eating out he's doing great. Not many 26 year Olds have a solid career or even have a mere 26k of student loans. I also give him props for buying a luxury car used rather than new. New c class mercedes are closer to 50, So buying used was smart.
@yesthisisvic Жыл бұрын
Could have bought a used Ford for half as much. When you have a "career" where you can't afford more than $1K/month for savings/investments you don't have the finances for a Mercedes. It's all vanity. It's all, "Look at me! Me! Me! Me!". Those types never make it. They all end up bankrupt.
@djzaki Жыл бұрын
@@yesthisisvic I agree. I don't think anyone who can't afford an expensive car should buy one. But, certain mercedes are built amazingly and are purpose built like bmw, and Ford. I would never buy a Ford Fiesta, because they build bad cars but I'd buy a Ford truck because they're built amazingly if I needed one for a business. I would never buy a 3 series bmw for the badge vanity, but I'd buy an m3 because they're life changing to drive as a sports car. As for the c class I wouldn't buy one it's an expensive economy car. Would I buy a g wagon, I actually own one! Maintains value like a Toyota land cruiser, built tough enough to drive through the Sahara and is a tax write-off because of its weight. Definitely did not buy new though. But this is a finance video not a car enthusiast video lol so I'm just going on a tangent.
@watermelon1221 Жыл бұрын
meh, all he has is a good paying job, but is terrible with his money. he's not a role model in anything he does or says
@jayklove2259 Жыл бұрын
Buying a 5 Year old Benz isn’t a smart move. In 5 years at the end of the loan it’ll be 10 years old and problematic.
@djzaki Жыл бұрын
@@jayklove2259 well it's either buying a new mercedes and losing 70% of its value, or buying an older one and dealing with maintenance. I wouldn't recommend buying any old car, but specific ones keep value regardless of age like the g wagon. Other older cars that keep value include say the m3, land cruiser, Porsche 911. At that point they're more of collectibles not dialy drivers! If I had one care to drive every day it wouldn't be a an old mercedes. So I agree with that point
@saulgoodman2018 2 жыл бұрын
$2,900 on food? Where's in investments? 401k, IRA. And credit cards should be paid off every month.
@chicago9458 2 жыл бұрын
Dude your food needs to be swapped with your investment in that pie at this stage 🤣
@r2solutions635 2 жыл бұрын
Seems like a nice young man but he should consider swapping the amount he spends on food and recreation with what he currently saves. He could save a solid $2k to $3k a month if he curtailed eating out and cooked or meal prepped at home.
@d.g.4499 Жыл бұрын
Yes, and I even saw meal kits in the fridge. Looked like "hello fresh" or something like that.
@eda8747 2 жыл бұрын
Came straight to the comments section once I seen that $292 for savings 😭
@lorrainea.285 2 жыл бұрын
🤣🤣🤣🤣🤣
@gerarobinson172 2 жыл бұрын
As someone living in Philly I can tell you it’s no way his rent is $897 unless he got roommates /shared living. No way
@cyd6548 2 жыл бұрын
Probably living in a room in Kensington
@cyd6548 2 жыл бұрын
I was right he does live in Kensington
@gerarobinson172 2 жыл бұрын
Even Kensington apts not that cheap. Still has to be a roommate. Kensington is coming up a lot of new construction and his apts looks nice I can tell by the kitchen. Rent easily $1300
@cyd6548 2 жыл бұрын
@@gerarobinson172 check Craig’s list because I just seen some for that cost
@TioMogi 2 жыл бұрын
Yea thought the same exact thing. If he was in center city and lived by himself, a cheap older 1 br apts can be had for around $1200, nicer ones around 1400-1700 and luxury for 1800+. Less than 1k? Definitely Kensington lmao
@SublimeThinker 2 жыл бұрын
Basically no money is ever enough 🤔...God forbid he had a family, you know wife and children.
@sherryxiao9735 2 жыл бұрын
Lenny reminds me of all my poor friends driving around in their Mercedes. Will be paying cash for it at repo auction. Make 3x what Lenny makes and never spent that much ever eating out in a month.
@erethaaaron 2 жыл бұрын
Buy a house and pay it off in 10 years and build up your savings accounts. Cook your own meals. Your "friends" should understand you want to have a legacy connected to your family name.
@empirestate8791 2 жыл бұрын
This guy should be debt free by now. Maybe even saving up for a condominium. That food budget is absolutely insane. Even if he spends $1000 a month on food (which is a lot for a single guy), it's still more than a thousand a month that can go towards savings and student loan payments. The fact that his outstanding student loan debt is higher than the initial loan amount proves this guy needs to get his act together. Buying the Mercedes with $0 down was also surprising - it's just some more unnecessary interest. He should really get rid of the credit card debt ASAP. Philly is one of the cheapest cities to live in the US, and you don't even need a car in many areas as the buses and trains are pretty good (and much of the city is quite walkable). Hopefully, he reduces his food budget and focuses on savings & debt reduction.
@benrideaux6097 2 жыл бұрын
Bro it's ok , go outside!
@haveaseatmarj 2 жыл бұрын
What rent is under $900?
@LK_EBM 2 жыл бұрын
He's got to have roomates
@JoelleB405 2 жыл бұрын
@@LK_EBM not necessarily in the Philly market.
@alp.9672 2 жыл бұрын
@@JoelleB405 Phlly is not rural USA. You must not know how much Philly cost.
@9770G 2 жыл бұрын
@@LK_EBM definitely has roommates. I bet the place he stays at goes for 3k a month or more. Probably has 2-3 roommates.
@herbertjreid3rd253 2 жыл бұрын
Everybody starts somewhere….,hopefully he digs his way out
@NPAMike 2 жыл бұрын
Wow! Red flags all around! I hope he sees this video and gets his finances in shape. Bro making 130k a year but his card limit is only 5k it should be 5x that amount if the banks trusted him.
@WynterB00 2 жыл бұрын
Woah that’s my brother!! I’m extremely proud of him and all his success. I hope he takes this video as a chance to self reflect and make better money choices moving forward. I also hope everyone else learns something from his story.
@Jame6999 2 жыл бұрын
Go cook some home made meals for your brother. Jesus!
@elenavelasquez208 2 жыл бұрын
Lenny seems like a sweet, hardworking man that’s getting used to earning more and is enjoying life! He’s dealing with lifestyle inflation, but can easily hammer it down with simple spending changes. I wish him the best 😊
@WynterB00 2 жыл бұрын
@@elenavelasquez208 I agree it’s definitely hard adjusting to making more money at a young age. But thank you for your well wishes, I wish you the best as well 😊.
@LolaSemone 2 жыл бұрын
@@Jame6999 😂
@mohamedabdourahman9845 2 жыл бұрын
Broo take 2k from your going out budget allocate that towards debt payment and you'll have them paid off in 18 months.
@TonyGeeII 2 жыл бұрын
Got second hand embarrassment from this. Seemed like a “what not to do with your money” episode imo. Lenny, bro hmu if you see this. You got work to do. $10k credit limit but $7k in debt. Saves $300 but spending $2300 on food. Cmon bro, it can’t be just vibes right now. Gotta tighten up
@edb484 2 жыл бұрын
Bro he really in on vibes lol and living it up
@TonyGeeII 2 жыл бұрын
@@edb484 lol facts. There ain’t nothing wrong with enjoying your money. You earned it but cmon, that’s crazy
@Jame6999 2 жыл бұрын
This dude is wreckless. He loses that job and it's all downhill! God I wish I made that kind of bread.
@benbowensphoto 2 жыл бұрын
Where is this guy living in Philly and paying $900 rent?! Also, why is he paying over 2k a month on food?!
@benr7101 2 жыл бұрын
I dont know if the man in the video reads the comments, but if he does, i would recommend PRG East Falls or Fishtown for climbing. East Falls has much better bouldering though.
@albertoharo9523 2 жыл бұрын
Graham review this one!!
@heregoeseverythiing 2 жыл бұрын
Where do I begin? Poor baby..
@raheenb 2 жыл бұрын
Unless you have multiple kids, student loans, and an expensive mortgage this shouldn't be a problem. If i were him I'd move those card balances to a zero interest card, and use my next annual bonus and tax refund to pay them totally off. Then ALWAYS keep a zero balance going forward, but still use them to get points.
@armstrong92k 2 жыл бұрын
$3k on food and only $292 on savings? 🤔if he saves 3 months eating out money he can clear his credit cards. If he buckled down he can be debt free in 2 years.
@eleanorolly5752 2 жыл бұрын
Most times it amazes me greatly the way I moved from an average lifestyle to earning over 63k per month, utter shock is the word. I have understood a lot in the past few years to doubt that opportunities abound in the financial markets, The only thing is to know where to focus.
@julialucas7349 2 жыл бұрын
sounds so interesting, that's more than a mouthful of profits you're making. How do you go about having such huge profits ? You must be a genius in trading.
@zoepayton1540 2 жыл бұрын
Huge returns like this comes monthly from a very good and experienced trader that must have gotten years of extensive trading
@irmgardjannike3218 2 жыл бұрын
I know people still make good returns coupled with their normal job income if they're working
@matthishaiden4085 2 жыл бұрын
I don't think I will have to work for anyone if I do earn such a huge amount from home
@loreleymadde2886 2 жыл бұрын
I've heard so much about this Axel Merk, is it that He handles your trades herself then you make withdrawal directly to your bank or wallet?
@ii360noscopeii9 2 жыл бұрын
he spends like 3k a month on food and discretionary, but has 7k in credit card debt, finances his car for $500 a month, and 30k in student loan debt…. dude is destined to stay broke
@sdkfz2519 5 ай бұрын
I'm watching this in February 2024. This guy bought a 5 yrs old C300 Benz at the highest used car value at nearly 10% interest (based on his $490 monthly payment). Plus, the rest of his budget is just insane, particularly for an inexpensive city like Philly
@TheNeighborhoodFinanceGuy 2 жыл бұрын
This is a TERRIBLE example of money management. This is Financial literacy violence. He saves and invest almost nothing. He carries an unnecessary amount of consumer debt. He is leveraging his future through indebted vehicles (no not just the car). He overspends on food/drinks which will eventually impact his health. He isn't moving in a manner to purchase a home any time soon. One layoff or recession away from losing it all financially and starting back up. At least he has a quality education and high income field.
@gilbertnicholas1582 2 жыл бұрын
That budget was a nightmare
@catishapinnock-osias8736 2 жыл бұрын
I'm not really sure what to take away from this episode, because most of what he does is not exemplary behavior to me. He spends wayyyy too much on food and eating out. I'm not sure he needed a Benz just yet, and he has $10,000 in credit, but yet he owes *$7,000 out of it. That's a really high credit utilization. Not sure about this one. They usually tell about how much they save, or invest but I'm not seeing any of that here. SMH. I MAY BE WRONG, BUT I WON'T BE TAKING FINANCIAL ADVICE FROM THIS ONE. SORRY.
@TwiinStar1224 2 жыл бұрын
It's Millennial Money, not millennial makes correct financial decisions
@stephanieokolo5101 2 жыл бұрын
It’s millennial money lol …it shows their spending
@naturalbeauty_abena1230 2 жыл бұрын
The advise is don't be like this guy with finances. He has high credit card balance because he is living from paycheck to paycheck. With all that money on food and eating out a month.
@JoshuaErabu 2 жыл бұрын
Graham Stephan's going to have a field day with this one LMAO
@flipballaz93 2 жыл бұрын
His food budget is more than most people monthly salary 😂
@bobstevens5507 2 жыл бұрын
He’s paying off his debt wayyy too slowly and not investing enough
@irisxkae 2 жыл бұрын
Wow. This is pretty realistic. Most people live like this. Paycheck to paycheck but make great money.
@Trinidancr 2 жыл бұрын
That debt should've been paid off already w/his salary. Then having a year's worth of living expenses (saved). $2400 per month on food is ridiculous
@pratt2121 2 жыл бұрын
I can't wait to see Graham's video on this one. 🤣
@alexlee8617 2 жыл бұрын
Why
@patriciagrady3997 2 жыл бұрын
Be careful showing your face because there's a lot of evil people that may target you . So happy for all of your accomplishments .
@BHS2 2 жыл бұрын
His monthly food expenditure is more than double my rent
@4cuttime 2 жыл бұрын
Same here lol. I was like wow
@erickn7985 2 жыл бұрын
It's my mortgage, bills, savings account, insurance, car costs, and still have about $500
@michellemarie1197 2 жыл бұрын
It's more than my mortgage payment
@TheDanaYiShow 2 жыл бұрын
Eating away 40% of the monthly budget! He should start a food blog/channel :o
@ede.5487 2 жыл бұрын
😂😂😂😂
@mawuenaakwayena3056 2 жыл бұрын
that's actually a good shout. better to turn that expenditure into a venture that can bring in some returns
@HereAndTher3 2 жыл бұрын
The budgets are only for what they spent the month of filming. Not what they do on a consistent basis. Probably went out on vacation recently and clubbing. I’m sure it’ll be more sound going forward
CNBC Make It
Рет қаралды 596 М.
CNBC Make It
Рет қаралды 280 М.