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Living On $150K A Year in Los Angeles, CA | Millennial Money
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Күн бұрынTerzel Ron, 25, lives in Los Angeles, California, and earns $150,000 a year as an associate producer. Terzel also freelances as a production manager, entertainment host and reporter. He lives with his girlfriend, Rupal, renting an apartment in LA while working from home most days.
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.
Check out Terzel and Rupal’s KZfaq channel: bit.ly/35Megb9
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
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Living On $150K A Year in Los Angeles, CA | Millennial Money
@petesouvall1085 2 жыл бұрын
Full scholarship to NYU is so crazy. That’s a huge success.
@dayaf0 2 жыл бұрын
“Save money and money will save you” I really like that 🤔
@VanillaEarth744 2 жыл бұрын
God will save you not money ☝️🙏✝️
@alp.9672 2 жыл бұрын
Money doesn’t save you tho.
@donnagarness3466 2 жыл бұрын
@@alp.9672 kzfaq.info/get/bejne/aMlnobV6uLGleqM.html
@VanillaEarth744 2 жыл бұрын
I'm Catholic and religion and Jesus go hand in hand
@VanillaEarth744 2 жыл бұрын
@@IIII...... what are you talking about? Almost everyone is going to die. When our Lord was here in this world he was a devoted Jew. It's in the Bible look it up
@humphrey 2 жыл бұрын
Humble guy, bright future, good budgeting, love to see it
@tru7866 2 жыл бұрын
Thank you! Love your channel!
@biegebythesea6775 2 жыл бұрын
@Jason Wu jealous boy
@mf6374 2 жыл бұрын
@Jason Wu Find the definition of humble. Wearing cheap stuff doesn’t make you humble. I know a lot of people earning minimum wage that are not humble
@missxmarvel 2 жыл бұрын
I like that his girlfriend is not bringing him down. She’s a hustler herself and prioritise making her own money.
@hhh1200 Жыл бұрын
everyone has a clothing line in la. that's like a girl friend that is a dancer. he makes all the money. but that's normal for black man seeking non-black woman.
@missxmarvel Жыл бұрын
@@hhh1200 Black folks make babies like aunt Jemima makes pancakes. that's why nobody should date them.
@candacedawn357 2 жыл бұрын
I like that he sees a therapist. Transportation costs are too high if he's working from home. I would take the money he's investing and pay off both his student loans and car so the interest rates aren't eating up all of his dough. He's also eligible for Covered California to cover medical care.
@tru7866 2 жыл бұрын
Thank you for the advice!
@candacedawn357 2 жыл бұрын
@@tru7866 You're welcome! 😄
@harnessmoney 2 жыл бұрын
Truth. More people should go see a therapist. I started going and stopped should look into going back.
@candacedawn357 2 жыл бұрын
@@harnessmoney No worries. I just moved and need to find a new one also! 😀
@oeckstei 2 жыл бұрын
When he’s not using that car he could put it on Turo and make some extra money renting it out.
@nia.aleese 2 жыл бұрын
I appreciate how he prioritizes mental health as that is something that is often overlooked. On top of his dedication and work ethic, he will be very successful!
@rcervan13 2 жыл бұрын
So proud of you for making it happen! As an immigrant and first generation Mexican-American glad to see others making out of the struggle!
@tru7866 2 жыл бұрын
Thank you!
@VanillaEarth744 2 жыл бұрын
@@tru7866 do you believe and follow our LORD AND SAVIOUR JESUS CHRIST?
@VanillaEarth744 2 жыл бұрын
@@tru7866 do you believe and follow our LORD AND SAVIOUR JESUS CHRIST?
@Mr_Banker222 2 жыл бұрын
@@tru7866 I am proud of you too brother. I'm from OC, my family is from Ethiopia. you remind me of myself. best of luck bro
@jessebaffour532 2 жыл бұрын
Respect brother!
@kambam172 2 жыл бұрын
This man and his girlfriends are a superpower couple. He mentioned how he has more than enough to cover all the expenses but his girlfriend insists otherwise, why? It’s because they both keep each other accountable and are always hustling. Truly amazing!!! Y’all keep going.
@LUX_8 2 жыл бұрын
Huh?
@kingnostalgia7911 2 жыл бұрын
Huh?
@SirD1 2 жыл бұрын
He needs to go marry her
@donnagarness3466 2 жыл бұрын
@@SirD1 to to be . Hello my to.. 'p 10
@donnagarness3466 2 жыл бұрын
😭😭🤪😭 🤪
@jellygurl27 2 жыл бұрын
Staying on your parent's health insurance plan is smart do it as long as you can. Helps with saving income. I did that until 25.
@tru7866 2 жыл бұрын
True! Staying on until 26!
@lichi1244eva 2 жыл бұрын
Good-looking young man, with a great head on his shoulders. I appreciated hearing about his immigrant and NY hustle. It will fuel his success for the rest of his life. I'm rooting for you, Terzel!
@tru7866 2 жыл бұрын
Greatly appreciated!
@Chrissieb.rackett 2 жыл бұрын
This is one of my favorite episodes. I love how open he is about mental health. What an incredible example for other young people watching!! I want to see an update when he buys his property!
@tru7866 2 жыл бұрын
Thank you so much! This year🤞🏾
@Nickster7 2 жыл бұрын
I love that too, mental health is too often it is not even considered let alone seen as important. That therapist money spent is probably his biggest investment into his future.
@CliveBirse 9 ай бұрын
In the USA, individuals living in cars due to partial homelessness result from a complex interplay of factors. High housing costs relative to income, stagnant wages, and income inequality drive this issue. Job loss, weak social support, medical expenses, evictions, and lack of affordable housing also contribute, while systemic problems and inadequate policies further perpetuate the phenomenon.
@Grace.milburn 9 ай бұрын
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
@ThomasChai05 9 ай бұрын
I've remained in touch with a financial analyst since the start of my business. Amid today's dynamic market, the key difficulty is pinpointing the right time to buy or sell when dealing with trending stocks - a seemingly simple task but challenging in reality. My portfolio has grown by more than $600k within just a year, and I've entrusted my advisor with the task of determining entry and exit points.
@JackBJacobs233 9 ай бұрын
@@ThomasChai05 My partner’s been considering going the same route, could you share more info please on the advisor that guides you?
@ThomasChai05 9 ай бұрын
I'm guided by *Mary Onita Wier* An experienced coach with extensive financial market knowledge. While you can consider other options, her strategy has yielded positive results for me. She offers valuable insights, including entry and exit points for the securities I concentrate on.
@DanielMullins053 9 ай бұрын
Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.
@s-for-4501 2 жыл бұрын
Great start in planning your retirement starting now. I'm 67, I started saving for retirement when I graduated from college at 23. I still have the first IRA I invested in. I always worked 2 or 3 jobs but still had time for fun. I also bought rental units in Los Angeles as a single person and always lived below my means. I retired last year and having the time of my life and will probably not be able to spend all my money before I die. I;m proud of your accomplishments, it is a long journey but the payoff is sweet.
@Kyle-kr8ed 2 жыл бұрын
This guy hustles in life. Mad respect
@tru7866 2 жыл бұрын
Thank you!
@hermeslein6614 2 жыл бұрын
Every American hustle hard becuase they live in the worst country
@toad1694 2 жыл бұрын
Bruh the hustle mindset is toxic
@mlbonfox8199 2 жыл бұрын
Not disciplined
@valerieeey 2 жыл бұрын
It’s so upsetting to hear how access to healthcare in the US is a struggle. I’ve had one experience with the system (as a foreigner) and I was shocked at many bills they send your way. I can only imagine how hard it is for families 😔
@valerieeey 2 жыл бұрын
I filmed a story time/reaction video. I’ll probably upload it bc people abroad don’t realise how bad it is till they experience it 😭😭
@gabrielp931 2 жыл бұрын
Exactly my thought.
@Tkenny35 2 жыл бұрын
Well most americans have health insurance that covers a lot of the bills. Im a former cancer patient and I had bills coming my way every week. My insurance covered like 95% of my bills and I only had to pay a small amount. Not as bad as you think
@Tennischamp10 2 жыл бұрын
We do not pay 50% taxes like other countries. You pay for healthcare but it is disguised as taxes. Just because you are used to your home country does not mean other countries are wrong.
@cyrilkarpenko691 2 жыл бұрын
When you sum up the entire amount you pay in other countries, the difference won't as significant. Of course, we are not comparing the US with Russia and other countries with half-nationalised health care systems.
@Sonny1065LV 2 жыл бұрын
Much respect to this dude, wishing you the best moving forward bro 💪🏽
@tru7866 2 жыл бұрын
Thank you!
@pompem2140 2 жыл бұрын
He's doing great especially for his age. He should probably consider paying off that car loan quickly.
@bonkersvideos6073 2 жыл бұрын
Why?
@biscaynesupercars 2 жыл бұрын
@@bonkersvideos6073 knock out that interest, 1 less bill to worry about and more money for investing, saving and/or recreation. I paid off my car very early and its one of the best decisions i’ve made
@Nelson-ys8pm 2 жыл бұрын
@@biscaynesupercars depends on his interest rate but its pros, and cons to both. Do whats best for you.
@biscaynesupercars 2 жыл бұрын
@@Nelson-ys8pm ya thats what I’m trying to say. Mathematically low or no interest rates make sense to pay off later if you’re making more money with your investments but lets be honest, the average person doesn’t even invest let alone good investment, most people aren’t financially disciplined and again we don’t know what can negatively happen in the future so personally I’d recommend most people pay off debt 1st especially if they have more than enough in savings and investments to pay off the debt. If he paid that $5000 off today he’d completely forget about it after his next paycheck and earn that $5000 back within another 3 or 4 paychecks
@kevinb8881 2 жыл бұрын
I agree, and his federal student loan, he could cut out a check today for that!!
@oshib7 2 жыл бұрын
Keep it up. I'm happy for you!! I'm an immigrant myself and I must say a good parenting structure really helps here in America. I've been in the 6 figure club since 2016 with OT. Last year, I finally transitioned to salary and I'm still making 6 figures working an avg 35 hrs a week.
@alp.9672 2 жыл бұрын
6 figure at 35 hrs a week. You won.
@shinske3564 2 жыл бұрын
That's absolutely amazing. Good for you man, genuinely. What do you do?
@gregwatkins1332 2 жыл бұрын
This dude and his girlfriend are absolutely killing it. The hustle is what drives you to always work hard and play hard. The fact that he lives so below his means and doesn't really need anything means he has a bright future ahead. Also he's more willing to buy and give to others. Love to see it.
@mattstone9617 2 жыл бұрын
*👆👆👆*
@lisabennett5021 2 жыл бұрын
right ! I want the girlfriend to do her own episode. I want to get all up in her business, lol!!
@raconte-moialice9509 2 жыл бұрын
He’s taking excellent care of his mental and financial health. Now just pay off your car loan sir 👍🏾😊
@nicolesmith9140 2 жыл бұрын
Anyone 25 and younger, I don’t think they’re millennials. Can y’all just do these money segments for all generations and name it based off of each generation (i.e gen x money)?!? I would love to see these from each generation.
@TheUncommonBeauty 2 жыл бұрын
good point
@alp.9672 2 жыл бұрын
Who cares
@user-yf8ts5dl6s 2 жыл бұрын
Great idea!
@aic0809 2 жыл бұрын
Yes, thanks for saying this. They also featured a wonderful couple who, while doing great work, are nonetheless older than millennials (they were in their mid 40s). They should just feature people who manage their finances admirably and not call this millennial money anymore.
@ye23. 2 жыл бұрын
Right isn’t a 25 yr old gen z?
@kayseacamp 2 жыл бұрын
I love that he's so transparent about the mental health aspects. Especially for POCs and even more so POCs who are male there is a large stigma around mental health and not being something you address and if you do, you don't address it openly. Money can come and go but at the end of the day you can't run away from your own mind. It's always great to make sure you care for it.
@TrollerzTV 2 жыл бұрын
Since when is saying "black people" a bad thing??
@kayseacamp 2 жыл бұрын
@@TrollerzTV being that people can be a mix of multiple races instead of just assuming someone is of 1 singular race I personally chose to say POC. Especially because the topic I mentioned in my comment isn't exclusive to just black people. It is an issue that is present in many different non-anglo races thus POC. I don't say it as a means of black erasure.
@tysage1473 2 жыл бұрын
Lol just say black
@luisandrade2254 2 жыл бұрын
@@kayseacamp non Anglo races? So Latin European Slavs and celts aren’t white to you?
@ZeusAVI 2 жыл бұрын
It’s okay to say black. Other “POC” have a different experience than blacks.
@Dogbullet 2 жыл бұрын
Love his saving mentality. Being frugal is one of several keys to build wealth. Well worth a thumbs up from me.
@mattstone9617 2 жыл бұрын
*👆👆👆*
@tru7866 2 жыл бұрын
Thanks!
@timothyw7402 2 жыл бұрын
“Ive worked everyday for 5 years nonstop and i love it” stopped the video right there bcuz nope lol.
@candacedawn357 2 жыл бұрын
LOL! 😂😂😂
@alp.9672 2 жыл бұрын
The kicker is he doesn’t work normal 9-5 office job.
@tru7866 2 жыл бұрын
Ahahahaha I love it. Thanks for watching!
@iluvlatisha 2 жыл бұрын
Enjoyable & inspiring to watch! So proud of him! It's nice to see stories like this because it shows people (of all ages) what's possible. Not to mention, there are so many amazing, kind, hard-working people out in the world.
@BrokeMillionaire1 2 жыл бұрын
$5000/mo in savings and investments. That’s absolutely INCREDIBLE! He’s KILLING IT!!!! I hope he’s investing in VTSAX!
@tru7866 2 жыл бұрын
I am! Heavily! Thanks for watching!
@tradingbull007 2 жыл бұрын
@@tru7866 nice hustle dude , your gf hot btw no offense, but tax is higher in LA that's the bum
@biegebythesea6775 2 жыл бұрын
@@tradingbull007 why are you judging his girlfriend's looks? men are so fkn weird. she's not a car. and then to apologise to HIM and not HER.
@ftmws293 2 жыл бұрын
@@biegebythesea6775 I didn’t know people referred to cars as hot.
@YaRoseTV 2 жыл бұрын
Love to see his self-awareness and understanding of therapy being a foundation. Great episode!
@kingsoloist 2 жыл бұрын
I don't get how a guy like him who saves at least 4K a month still has a student loan that's only 5K. Pay it off already, brother!
@genwilson7741 2 жыл бұрын
I was thinking that too. So I went looking for it in the comments. TBH, he can go ahead and knock out a chunk of that car loan too. Dave Ramsey would be like "rice and beans til its paid brother cause you definitely can afford it!" lol
@joffrequezada4402 2 жыл бұрын
Education has been and always be the key to new opportunities. Bravo!!
@tru7866 2 жыл бұрын
Thank you!
@harveylin3548 2 жыл бұрын
@@tru7866 Man please share with us your food journal, I need to learn how to eat at $300 a month, I make the same as you living in the same city, I can't even drink water at that price lol.
@xtinabay 2 жыл бұрын
Great story, but that's a lot of his net worth in crypto
@Only1TeeTee 2 жыл бұрын
This was so great to see and very inspirational. I'm proud of him. Continued success to him!
@tru7866 2 жыл бұрын
Thanks!
@diegopradillo2743 2 жыл бұрын
What an amazing individual! Love the grind and representation of first generation folks making generational wealth.
@tru7866 2 жыл бұрын
Thank you!
@teenytinytoons Жыл бұрын
This kid is incredible.
@Sheebiewonderful 2 жыл бұрын
YES!!!! This is what I love to see, more Black features, more successful Black people who are doing big things, who are striving for excellence everyday, especially Black men! MORE!!!!!!
@Letthemflourish 2 жыл бұрын
He is going to be blessed. I pray he’s able to have peace and enjoy the fruits of his labor.
@tru7866 2 жыл бұрын
Thank you!
@darryls2141 6 ай бұрын
he's already blessed
@yaamo 2 жыл бұрын
This is by far the best I've seen. It's refreshing to see a young Black man understand the importance of money.
@prwashin1 2 жыл бұрын
I enjoyed this, he is really humble. He even mentions his situation isn’t normal because he has the option to work from home. Which allows him to save on a major LA expense transportation. Love that he is explaining his situation and not bragging like some of the others.
@candacedawn357 2 жыл бұрын
Money going towards transportation costs is too high if he's working from home.
@prwashin1 2 жыл бұрын
@@candacedawn357 Not relative to his income though, which explains why his situation is unique and not that of the average worker.
@candacedawn357 2 жыл бұрын
@@prwashin1 You have to know how to manage that "income" so your dollars go further.
@prwashin1 2 жыл бұрын
@@candacedawn357 Sure he could also save more on rent but I think he’s doing good for himself.
@Thatbul 2 жыл бұрын
About everyone on this show doesn’t brag
@sarahadekola 2 жыл бұрын
This amazing! I just applied for millennial money as there needs to be more representation in Europe! I am based in Ireland, fingers crossed I get accepted.
@CareerCraft56 2 жыл бұрын
@millennial millionaires I am based in Ireland too. He is doing great. 100% I agree with you we need more representation 👍
@sarahadekola 2 жыл бұрын
@@CareerCraft56 100%
@alp.9672 2 жыл бұрын
Because Americans are the base, your economy is not like ours.
@sarahadekola 2 жыл бұрын
@@alp.9672 Yes, the european economy is different but that doesn't mean they shouldn't showcase millennials here. :)
@alp.9672 2 жыл бұрын
@@sarahadekola I mean they have shown people outside USA, but majority is going to be in the states. I’m positive they have shown people outside USA so good luck.
@mashimarojc 2 жыл бұрын
Bravo!! As an Immigrant myself and grow up relatively poor, I applaud all his efforts and accomplishment thus far and I am sure he can and will achieve more! Yet another proof hard work pays off regardless of race or ethnicity.
@chokoprty Жыл бұрын
4000 a month blows my mind. I thought the 974 I get a month was alot
@dt6712 2 жыл бұрын
Love to see a humble young black hustler that’s killin it like this dude. Salute to you brother ✊🏾
@mattstone9617 2 жыл бұрын
*👆👆*
@tru7866 2 жыл бұрын
Thank you!
@marissanewman1988 2 жыл бұрын
It shocked me moving to L.A. from Florida that here even 100k isn't much. Youre basically rich in Florida if you make 150k a year.
@computron5824 Жыл бұрын
Yeah, you need WAY more in CA to be considered well off because housing is extremely expensive and competitive. Median household income in LA is 65k, and and 30k for individuals. 100k is enough to rent a good studio/one bedroom apartment with amenities. 150k+ is needed for a median condo (600k+). 200k is needed for a median house (880k+). The people who are well off earn hundreds of thousands from jobs (300-500k/year with stock), and then millions if they have a business. Those are the people who will out-compete everyone else.
@morenahlatshwaya 2 жыл бұрын
People who give up in life are people who lose in life, my first experience happens to be a failure but I never gave up cause I knew it was going to work out for me trying continuously, fortunately I'm smiling today by getting involved in investment.
@eseieanas 2 жыл бұрын
Starting early is the best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year's experience, i am able to build a suitable life because I invested early ahead this time.
@louranterlius9515 2 жыл бұрын
I urge everyone to start somewhere now no matter how small, this is literally the time for that, forget material things, don't get tempted,i became more better the moment i realized this.
@user-cd6ny9yp9y 2 жыл бұрын
I made 62,800 dollars within 6days of trading with Bitcoin.
@user-cd6ny9yp9y 2 жыл бұрын
@Pierre Dubois I don't really trade, I recommend mrs Catalina Vladimir, she trade for me.
@user-cd6ny9yp9y 2 жыл бұрын
✝️ ③②④⑥⓪②①⑧④③③
@EricaFitzhugh 2 жыл бұрын
He's going to be more than ok. He definitely needs to pay off the federal loans while they are at 0% interest.
@RuReady115 2 жыл бұрын
Im in the same boat.. if i ignore them they wont go away?
@kb70707 2 жыл бұрын
Someone promised us to payoff student loans for Americans during his campaign. Terzel might be waiting on him to keep his word; that way he can save $5000.
@EricaFitzhugh 2 жыл бұрын
@@kb70707 it's not happening. Unless he's on the path to PSLF/TEPSLF then it's not happening. Pay those loans and keep it pushing.
@hamzah.l1 2 жыл бұрын
“Wait for it….. millennial money” - Graham Stephan
@calebwert1057 2 жыл бұрын
@UCMaVwzShUdXvkJ7jafjNy4g kzfaq.info
@ronaldo19832 2 жыл бұрын
This kid is going places! Love this story. Struggles can break you or motivate you like crazy. ❤️
@teenytinytoons Жыл бұрын
I’m so extremely impressed.
@stevenedwards891 2 жыл бұрын
Very Relatable. Rooting for this man. Keep going 💪🏿✅
@ebonycarlaaa 2 жыл бұрын
I’ve been in the production biz for several years and have worked my way up to producer. I’d like to know what production company is paying their APs 6 figures? APs typically tap out 65-75k (and that’s for all the major networks). The fact that he doubled his salary through freelancing and OT is insane!
@trishafleurimond4322 2 жыл бұрын
Right?! I'm scratching my head about the six-figure as an AP.
@ebonyjoseph9491 2 жыл бұрын
@Hunchoz Higher than NYC? Wow. I lived in NYC for almost 5 years. Worked at the Big 3 (NBC, ABC, and CBS) and have experience as a freelancer and staff member. I made almost 70k as an AP but I was hourly and had at least 15-20 hours of OT a week. This was in 2018. I've never met an AP who made over 75k (as a base salary). By that point, they were all producers.
@trishafleurimond4322 2 жыл бұрын
I live in LA too. Never seen that. But if there is a production company offering that, I’d love to know!
@NaijaUser1 2 жыл бұрын
He also mentions we works 3 jobs in total so I think it’s his net across all 3.
@zonecc6770 2 жыл бұрын
He's a producer at Oprah. He's the right hand man of a billionaire.
@CalebOliver 2 жыл бұрын
Every time I see a new Millennial Money episode it becomes my favorite episode! Congrats Terzel, I love how you save, invest, and have such as strong work ethic. I also like how you talked about the importance of taking care of your mental health. That is a vital issue and many people need to learn that it is okay to get help to get the healing they need. Good Job CNBC Make It! 👏🏾👏🏾👏🏾
@mattstone9617 2 жыл бұрын
Alright 👍.. thanks for the review and support Feel free to text me 🤗 I've got profitable strategy in stocks and crypto ..
@tru7866 2 жыл бұрын
Thank you!
@lifeislove3427 2 жыл бұрын
Much respect to this young gentleman and to that young lady ' his partner .. His girlfriend really truly loves him with respect and compassion. To insist she wants to pay half of the expenses ' That's speaks volumes of her and her morals ethics and values and her lover for this gentleman. Sir ' Your parents did a awesome job raising you and I wish you both nothing but the best in life for always and I am sure you will achieve all your goals and make your dreams to reality.
@mattstone9617 2 жыл бұрын
Alright 👍.. thanks for the review and support Feel free to text me 🤗 I've got profitable strategy in stocks and crypto ..
@tru7866 2 жыл бұрын
Thank you!
@mattstone9617 2 жыл бұрын
@@tru7866 👆
@amarbaha 2 жыл бұрын
This young man will succeed at anything he puts his mind to. He knows the value of saving and budgeting and not trying to show off like others his age. You don’t need luck my friend! As an immigrant self made, now middle aged, millionaire who went through his share of ups and downs, let me humbly offer some advice….don’t ever put at risk your base income and savings in any one future business venture and don’t make “a million” the goal. Others may disagree and it may take longer but success is not gambling your hard earned savings. You are highly intelligent, you will find a way to achieve both goals simultaneously. Focus on the success of your ventures and the money will come.
@StacyFrancis94 2 жыл бұрын
Thank you and your girlfriend for being open enough to share this with us.
@MsMockingbird06 2 жыл бұрын
He’s probably my favorite person featured on Millennial Money! Hard working, humble, intelligent, responsible, and priorities his mental health 👍🏾
@gerryo25 2 жыл бұрын
Guyanese in the house hello!!! Love my Guyanese people straight hustlers.
@BlackHawk9615 2 жыл бұрын
Incredible story! This man is a true example of where discipline and hard work can take you!
@mlbonfox8199 2 жыл бұрын
Discipline???? $100k yearly
@j_iselle 2 жыл бұрын
Absolutely loved watching his story!
@santiagobarbe2007 2 жыл бұрын
This is definetely an example of "I can do it". Congrats to Terzel!
@maxxlaw4081 2 жыл бұрын
Keep up the good work young man! By the way, I have worked at every major studio in Hollywood and have attended over 30 Academy Awards. My friend Will Packer is producing it this year. Not too many people I don’t know or work with in Hollywood. Thank God I didn’t make $150,000 at 25! Keep up the good work and stay humble!
@kaylakiddo 2 жыл бұрын
I hear Graham Stephen already… “Why doesn’t he just pay his student loans and car off? He makes more than enough.”
@mattstone9617 2 жыл бұрын
*👆👆👆*
@Mogardie 2 жыл бұрын
Graham might say it’s dumb to pay them off if the interest rates are low enough. Currently student loans are at 0%
@sergeayissi939 2 жыл бұрын
I agree! Pay these loans and debts off and go on with your life! Unless he's not making 150k, it's all BS...
@icecreamcake1457 2 жыл бұрын
@@Mogardie But interest rates will not remain low. I agree with the OP.
@mlbonfox8199 2 жыл бұрын
@@sergeayissi939 I agree/ the numbers don’t add up
@ventureplus5903 2 жыл бұрын
What an awesome guy! Hard working, intelligent, and made it through all life threw at him. Kudos!
@jazcaddell2443 2 жыл бұрын
I feel like hanging on to $5k in student loans while actively saving $6k a month makes no sense.
@candacedawn357 2 жыл бұрын
Yes, and he has a car note too.
@Mark-mt2xn 2 жыл бұрын
5k savings and “investments”. Why pay off a loan that has zero interest (since 2020) when you can invest it now and repay when the interest restarts. He has 40k in crypto and mentioned it did a 4x. So he invested 10k initially. Imagine he paid off the 5k loan and then 5k in crypto. We would have lost out of 20k.
@shesaiss 2 жыл бұрын
@@Mark-mt2xn Too many people don't understand money
@biscaynesupercars 2 жыл бұрын
@@Mark-mt2xn you’re not wrong at all, financially and mathematically yes it makes sense but people never keep in mind life happens and that humans happen. Meaning he could get sick or injured, some other expense can come up, him and his gf could have an unplanned child etc. Basically you probably wouldn’t take out a $5000 loan to invest in crypto, so why not just pay off the $5000 loan now if you have that much in savings and investments and you’ll never have to worry about that $5k loan again and the extra savings from paying off the loan can go right back into savings and investments and build up even faster
@inthebooks3947 2 жыл бұрын
He’s gonna be a multi millionaire either way
@BellTunnel 2 жыл бұрын
No mention of that Audemars Piguet Royal Oak watch. The base models with no complications start at around $25k. Looks like his is a chrono, which would put it closer to $50k. A watch that costs more than a car is a splurge worth mentioning.
@cb7903 2 жыл бұрын
I noticed the AP as well, it might not be real because they're pretty hard to get from the boutique and grey market prices are over 50k.
@bbooth1229 4 ай бұрын
No way that thing is real if he is driving a used Honda.
@miree512 2 жыл бұрын
One of the best episodes so far! His parents must be so proud of him, young, smart and successful
@peacehappyb237 Жыл бұрын
I knew he was Guyanese! I love that he saves a lot and goes to therapy.
@CookingWithCarlina 2 жыл бұрын
This is amazing! I was featured on Millennial Money too and recently moved back to LA! Keep up the good work!
@tru7866 2 жыл бұрын
Thank you!
@yasinm.3162 2 жыл бұрын
Wow..very impressive dude at only 25. To have struggled like that and come out on the other side is an amazing thing. Love that he takes care of his mental as well.
@mattstone9617 2 жыл бұрын
*👆👆👆*
@swicheroo1 2 жыл бұрын
The money pie chart is interesting but is perhaps too simplistic for his situation. He runs a business, technically. Which means a lot of items can be deducted from taxes. If he is in front of the camera, for instance, clothes, grooming, etcetera can be itemized. And if he uses his living space as office, he also gets further deductions. So, the pie chart at 3:35 isn't really giving us significant information at all...
@SohiniHalder 2 жыл бұрын
This is amazing, congrats on all your success and wishing you and Rupal much more
@ot7stan207 2 жыл бұрын
sir get an external keyboard youll prolong the life of ur laptop that way
@JohnLee-ot5ed 2 жыл бұрын
So many admirable qualities about this young man, but I particularly was impressed how he used his depression/anxiety and healthy issues as a motivation for his success. Most people would used them as excuses to fail, sit at home and sulk.
@tru7866 2 жыл бұрын
I appreciate that!
@teenytinytoons Жыл бұрын
Sounds like a lot of ignorance from my end.
@noone-um4hk 2 жыл бұрын
5 hour commute, three jobs, ap class and extracurriculars? Yeah, that's a hard doubt right there
@maverickf13 2 жыл бұрын
Slept in and woke up to this. What an inspiring guy!
@shannonjohnson4314 2 жыл бұрын
So proud of this young man. Much respect to him ✊🏾
@mattstone9617 2 жыл бұрын
*👆👆👆*
@EliteClinicalResearch 2 жыл бұрын
I’m proud of you man! I love the hustle and work ethic. I know many people that would just coast after making 150k but he’s doubling down. I love it!
@dcflow7859 2 жыл бұрын
This guy is incredible!! Solid through and through, very admirable what he has become, and especially fulfilling his goals and manifestations
@donm6595 2 жыл бұрын
Hey I know these two they have a KZfaq channel called Bazel Gang! I found them during 2020 so cool to see him on here had no idea he did all this props! Love seeing people my age take initiative and be in charge of their futures!
@tru7866 2 жыл бұрын
Thank you for the love! Appreciate you!
@MaryRalladi 2 жыл бұрын
Loved his hustle, and his demeanour! Props to this guy and ya he definitely is going far in life.
@mattstone9617 2 жыл бұрын
*👆👆*
@calidev1085 2 жыл бұрын
Having the right woman by your side is golden. This young man made good decisions all around.
@chilesheloved 2 жыл бұрын
When you are going through difficult times in your life, don’t isolate yourself. There are people who have been through what you might be facing right now and they overcame it. Don’t push people away, surround yourself with people who are spiritually mature and get the help that you need. Isolation when you are in pain and don’t know if there’s a way out is dangerous and that’s why we have suicide cases. Listen, there’s nothing that you can be facing that God is not able to solve for with God nothing is impossible. Hold on. Jesus loves you.
@Quettasbedhead 2 жыл бұрын
Happy because he's from guyana like my roots and he's a hard worker, I have some other thoughts but I'll keep it positive
@nicoleomotunde4137 2 жыл бұрын
very self aware and smart young man i wish nothing but the best for him
@thewatchtherapist5066 2 жыл бұрын
Beautiful AP Royal Oak 26331ST on his wrist.
@valerieeey 2 жыл бұрын
Talk about dedication 👏🏾👏🏾 some of us don’t even wake up on time to get to school 😭
@stanleyjavin4911 2 жыл бұрын
I realized that the secret to making a million is making better investment. I always tell myself you don't need that new Car or that vacation just yet and that mindset helps me make more money invest:ng. For example last year I invested 70k in blue chip stocks and crypt0 s (with the help of my advisor of course) and made about 380k, but guess what? I put it back and traded with her again and now I'm rounding up close to a million. Delayed gratification always pays off
@stanleyjavin4911 2 жыл бұрын
@Stacy White I found her on a CNBC market interview, so I looked her up and we begun our awesome partnership
@stanleyjavin4911 2 жыл бұрын
@Stacy White .You can connect with her on what'saap
@stanleyjavin4911 2 жыл бұрын
+150
@stanleyjavin4911 2 жыл бұрын
2273
@stanleyjavin4911 2 жыл бұрын
5657
@lincolnwithmanny8837 2 жыл бұрын
He's upside down bigtime on that Civic. He probably just bought it and got wacked with a bunch of warranties
@babykiob 2 жыл бұрын
I thought the same thing regarding the civic
@marcopchen 2 жыл бұрын
Cars are crazy expensive right now. That's how much Civic would be after taxes and fees. You don't even have to add the warranties.
@playdoughfunrs 2 жыл бұрын
Forreal last year I got a used 2017 civic for 15k, no way would a 2018 be worth 10k more. But I guess it is LA
@marcopchen 2 жыл бұрын
Car market has dramatically changed in just a year. Go check the prices of your Civic if you bought it now.
@LUX_8 2 жыл бұрын
Facts! Or maybe it was an outrageous interest rate?
@Frosty_357 2 жыл бұрын
Such a smart guy. After Terra Luna crash I hope everybody should understand why always diversify the saving.
@kathrynelyce 2 жыл бұрын
It's nice to enjoy the work you do, however I hope he can learn to make more time for rest
@candacedawn357 2 жыл бұрын
I know! Balance is key.
@alp.9672 2 жыл бұрын
His work is fun tho, it’s not normal 9-5 office job by any means so I’m not shocked.
@kirkcornelius1074 2 жыл бұрын
This guy is a good example of saving. Put away anything you can when you are young and let it compound. Awesome job!
@alessiopavanhehim6499 2 жыл бұрын
Judging from the budget breakdown $150K are after taxes
@laina-brown 2 жыл бұрын
I really appreciate how he didn't allow his health issues and his mental health stop him from achieving his goals.
@mattstone9617 2 жыл бұрын
*👆👆👆*
@jada7323 2 жыл бұрын
I’m reading the comments and everyone is complaining about his car loan. I was thinking this man was rolling around in a Benz or a BMW. Calm down people it’s a HONDA. What do you want him in??? A 1998 Toyota Corolla 🙄🙄🙄
@cchu1980 2 жыл бұрын
it's not about what kind , but how much he paid for it
@tru7866 2 жыл бұрын
Hahahaha I love it. Thanks for the support!
@jada7323 2 жыл бұрын
Chaudilocks it’s a base of the line car. Nothing special. It’s truly a “cheap” car. Far from luxury. You’re not getting a good quality car that runs good, is reliable, has no issues, good on gas, heat, ac, and MAYBE he has heated seats and that’s a big MAYBE depending on the model and etc for 2k. Barely can get that for 10k now and days in the market we’re in. Again what do you want him to drive??? A 1998 Corolla???
@cchu1980 2 жыл бұрын
@@jada7323 honda civics are great reliable cars no doubt, but the point is it shouldnt cost that much for a 4 year old used car
@jada7323 2 жыл бұрын
Chaudilocks no one said he bought it used…. You’re just making an assumption….
@ReginaGg 2 жыл бұрын
What a smart, hardworking, mature and inspiring man he is!!!!! Love to see his empowering journey! Keep going sir!!!! ❤️🙏🏽😄👏🏽
@lisabennett5021 2 жыл бұрын
bruh!!! now whats up with those sneakers, he talking about he does not splurge on anything. Let me see that sneaker collection, lol!! I think someone held back some info, lol!! But this was a great episode!!!
@swalts137 2 жыл бұрын
This is so admirable and inspiring!
@owegrow-millennialfinance1423 2 жыл бұрын
Love to see the hustle and commitment towards savings! He should knock out that $5k student loan asap though. Also surprised to see a used Honda Civic run for over $25k- I think he should tackle his debts before investing more in crypto for sure!
@LinxuSx 2 жыл бұрын
I was just coming here to say the same thing. He's killing it. He could knock those out in a couple months.
@TheUncommonBeauty 2 жыл бұрын
agreed
@alp.9672 2 жыл бұрын
Yea 2018 Honda Civic price lost me
@bonkersvideos6073 2 жыл бұрын
This is why broke people stay broke. Rich people get rich by using debt. They borrow against their assets. Why knock out that 5k asap when you dont have to pay right now? Much better to invest that 5k into an index fund.
@LinxuSx 2 жыл бұрын
@Bonkers Videos There's more than one way to become wealthy. The majority of millionaires in this country actually have very little debt that's not tied to an income producing asset (e.g. rental properties). I personally have been following the Dave Ramsey approach and have had zero regrets paying off all debts other than mortgage. The money that had been going to car payments and student loans is now going monthly in to index funds and real estate. I went from an almost $0 net worth to $575k in about 4 years once I realized I had a spending problem and not an income problem. Most broke people stay broke because they are living beyond their means, and not necessarily because they do or don't pay off debt. You don't need a fancy car. You don't need a $100k education.
@fabian3795 2 жыл бұрын
Love seeing other black brothas doing their thing!! We see u!
@darryls2141 6 ай бұрын
Your ability to capture wisdom, humility, commitment and discipline at an early AGE is very impressive. Please start maintaining a daily journal which will be vital to your documentary- Please include community involvement in your life on a regular basis- Success is waiting for you, so go GET it.
@samsosa6122 2 жыл бұрын
$150k a year and still owes $5k in student loans, doesn't have his own health insurance, but can buy laptops and a $30k car. Am I hating or do these numbers not add up?
@candacedawn357 2 жыл бұрын
They don't. You should see my comment.
@alp.9672 2 жыл бұрын
No the numbers are a lil funny, also a lot of people are bringing up the watch in his wrist that Iooks like an AP
@econgloberfan 2 жыл бұрын
Bs..pay the 5k.plus thought u had 150k.. also dental ins you coukd buy that for sure. Many have 3 jobs.. blah blah blah
@sergeayissi939 2 жыл бұрын
It all doesn't add up! Why doesn't he pay off all his debts and loans? If he can save 5K a month, pay it all off!
@candacedawn357 2 жыл бұрын
@@sergeayissi939 You're absolutely right!
@djari3s412 2 жыл бұрын
He's doing amazingly well for 25! Good on him and his girlfriend.
@tru7866 2 жыл бұрын
Thank you!
@teenytinytoons Жыл бұрын
I like this kid a lot. Respect.
@ManaCAnimations 2 жыл бұрын
Love this one! Rooting for you! 🇬🇾
Дима Масленников
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CNBC Make It
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