Great story! Very relatable and you couldnt have chosen a better person. She's doing what she needs to do on limited income, despite being highly educated. She's a great example

This

Ironic.

Real life

@@02nupe no, just america.

True, and unless you're a coach, professor, or administrator, most university positions don't pay much.

Based.

ppl are not normalizing this, corporations are

Or she could just get a husband. Lots of upwardly mobile men in Houston. There is no fulfillment in slaving away for some heartless corporation for 40 years

She does make enough money, but she's making extra to pay off her loans.

​@@Originalman144Just " get a husband" lol yeah tell that to tens of thousands of single women in Houston looking for a good man. I know several very nice women that can't find anyone. I live in Houston and I have a husband but I always work 2 jobs. I make a bit more than this lady but I have a 6 month old and I'm still trying to pay off the hospital bills from having him plus my student loans plus my mortgage. That doesn't even include many other bills.

I'm so proud of you my friend! Glad I was able to support you this day and the CNBC Make It team are truly awesome. Its only up from here my love and I'm here for it❤

I loved your story and very relatable!

Hey lady! $65K in HTown is not enough, you should not have to work 3 jobs at all! I'm a brand partner with TEAL, let's chat!!!

@@temple4303 Thank you. ☺

@@destinyschild5768 thank you ☺

Very soon, OUR Children are going to endure worst than what shes going through. Mark my words. Things will only get worst.

Pretty easy to avoid loans if you go to community colleges and try to find cheaper local schools.

I got a BS in Finance for 30k and landed job 40k and 7 years later it was 100k. Sometimes going to cheaper college is better.

Says who lmao? You guys are so entitled I actually want to throw up

Late-Stage Capitalism working as intended.

I suggest she try the federal government for employment so she can get transferred anywhere around the country or even the world taking her medical/life insurance with her to practically any country. I hate to say this but it's reality because the "position title" you have has nothing to do with where you'll end up being and in what situation you'll be in when you retire. The best thing is to get a job with the federal government and invest in their plans. If the US government goes under that means every private business will too.

100%

I don't know if this is "normalize" as much as it is just someone's experience. I too have graduated with over 100K in student loans (for a masters degree). I am currently 3 years away from forgiveness. I, too, have also held 3 jobs after graduate school to make ends meet. I'm currently have two jobs, and I'm in a doctoral program. Some of us have to/choose to hustle.

Exactly. I've done Doordarsh on a side during pendimenc but last 2 years the returns are trash, it's not even minimum wage.

They didn't even hide it, that is very tacky of you CNBC for bringing paid stories by advertising

Yeah I think she can definitely get a better job with an education bachelors degree and a masters degree. Plus she has years of experience. She never talked about why she isn’t making more today.

Facts

Everyone deserves what they earn, if it's deserved, she'd have it already. People say someone deserves something like it's free candy , it's not 🤣

@@ojames1983bro what are you talking about, this is simply untrue from an economic standpoint. i studied economics and we are not paid “what we deserve” hence why the hardest workers that serve the most value to the world (think firemen, teachers, public defenders, and healthcare) are all severely underpaid. teachers for example - are literally tasked with building the future of the world and are paid 40-50k to deal with all of that BS. . . i work in a career that provides no value to anyone but the ultrawealthy, and came out making 100k. i wouldn’t say i inherently “deserved” it.

Right!!! I'm 40yo with a bachelor's degree. I live in Houston. I make $70k. She should be making $100k a year.

Most millennial people i know are close to six figures

Agreed.

@@rickyayythat’s mathematically impossible lol

@@MatthewOlagbenronot if they know a small amount of people

🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣

Do you also spend more on the gym than your groceries? Because this lady does, and that's crazy to me

@@iiiiilllllllll Do you know her diet? I spend way less than the average American on food by shopping at Asian/Latin/Jamaican etc. grocery stores and eating meals with rice, veggies, and less meat than the average person. Her spending less on food means nothing besides the fact that she's smart with her money. I shake my head hearing all the bloated grocery bills for people that are unnecessary and most of the time avoidable.

@@SuperTikes what does diet have to do with an expensive membership? a cheap gym functions just the same

@@iiiiilllllllll I go to planet fitness only 10 a month

I make 65k with 1 job, but live in a high cost of living state. I think about getting a second job constantly.

You seem to glorify tech. The tech market is brutal and "managers" will be the first to go in a lay off time. Also, how do you manage people when you do not have any skills in tech? I am an MLE and even I cannot get a job right now, despite having experience. The idea that tech jobs pay you 100k plus is also not realistic. Outside of FAANG, many jobs pay between 65-99k.

⁠@@travelvideozI’m not sure what your background is but having worked in Tech I can tell you that it’s VERY possible to make 100k. And being a Customer Success Manager doesn’t mean you’re “managing” people and I would suggest looking up job descriptions and or career options mentioned outside of the experience or knowledge you have about the field. I know the Tech job market is brutal, but it’s still not impossible to build a career there and succeed. You might be devaluing yourself as well and not privy to what’s actually out there and possible. She has the experience as a Program Manager and could be a Project Manager, Product Manager, and a host of other options if she too could see the possibilities outside of focusing on just “passions” where she has to work 3 jobs to make that and only go with what she may only be aware of. Again, maybe it’s not working out for you but sis could be and should be making around 100k with her experience, and If not in Tech, there’s other fields where it’s VERY possible. You just gotta expand your horizons and open your mind. The problem isn’t that she’s solely making $65,000. It’s that it’s doing 3 jobs to get there when she shouldn’t have to AND has a Master’s degree. SHE’s QUALIFIED!!!

You idiat, she does this because she wants to. Listen to her story!

Tech does pay well but people are struggling to find work in tech. Education may not pay as well but it’s stable.

@@missdesireindependance5194 I get that it's a stable industry and one I've thought about as well.However, I don't even think it's so much the $65,000 with her living in Houston (which isn't bad) but her working 3 jobs in order to get there. If she was working 3 jobs and at 100k+, that's different. But I can't and will not wrap my mind around that being the only option IF her goal is to pay down debt and still sustain her lifestyle. She'd be better off making cuts in certain spending areas than burning herself to the ground. Plus, she's too qualified and regardless if she's "passionate" about her job, it shouldn't come at the expense of her quality of life. And Tech isn't so much the problem. I think people keep looking in the same places with tech jobs as if it's not a vast field. I'd avoid the FAANG companies but still look at plenty of other options and job roles that she can apply her skills set to. Seriously, she deserves sooo much more. That's all.

Straight facts! Her income with the university should be well over $80k off the rip. She is grossly underpaid

​@@LibertySerenity for her job title, she probably just took it and didn't negotiate.

Are you saying that only Black women struggle?

@@JoseFlores-xh5cjIt’s fact that women are paid less than men, more so black women are paid less than yt women.

​@@JoseFlores-xh5cjBlack women struggle the MOST because BOTH color and gender work AGAINST black women. Go LEARN something.

The annoying thing about higher ed is the crazy requirements for a basic job and basic pay. Masters degree and 5 years for 60k pay. Why would I not just go to industry and make more?

Higher education is actually it, but those Higher education positions don't hire African Americans or minorities in those positions.

@@dot0422 It's not it in terms of salary. There's no reason presidents and chancellors make 6 figures and everyone else struggling to get the basic necessities, even with master's degrees. But even for the higher positions that pay more, the stress isn't worth it. Have you heard about Dr. Antoinette Candia-Bailey?

@@arijaisrael2383 they aren't hiring African American women in higher educational positions.

a non profit paying out 100K, why am I not surprised lol

Exactly not everyone is going to get a six figure job anyway

Exactly, cause I’m in the same boat as her with a BA. The American dream has been dead. It’s all about debt and set backs.🫤

So aggravating for people who have not been in your shoes to tell you what you should do. Good comment.

There are only so many high paying jobs. Exactly.

Statistically people with degrees do get paid more than those with no degree at all, but there are outliers. It's unrealistic to say a person will get a 6 fig job just for having one, though.

No husband and no kids, that's where the stress is. She's fine. ❤

She takes time to go to the gym. A lot of us don't even take the stairs

She LOOKS like she takes very good care of herself! The proof is mostly in her skin. She also looks like, even though she’s working three jobs, she’s happy with her life.

@@texasindy2193 so true !

Two part time jobs and one full time job. The median household income in Houston Texas is 65,000 so yeah she is doing well compared to Houston's median.

American dream!!

she can only work 10 hours a day after 8 hour sleep

I worked 3 jobs last year all at the same time while a full time student. Brought under 60k. Would never do it again!

She's so underpaid 😞

That’s different.. This is like someone living in a motel vs someone living in a full service hotel. It’s the same to me but people view things differently.

95k should be good for you..why do we tend to live outside our means?

@@followGreatnessYour assumptions are the opposite of mine. I assumed he/she was saving/investing all the money from the second job

@SinaAla yeah I thought about that as well. But it depends on their lifestyle as well. Please im happy for this individual, not jealous or anything but again it's probably their lifestyle. Ild have a sweet lifestyle as well when the money starts coming in.

And sell the car lmao

That sounds like a bad idea tbh. Shouldn’t she strive for 10,000 in savings and then attack the debt? $1k wont even cover 1 months rent.

@@nappyboi312 Dave Ramsay's plan is to start out with 1000 as an emergency fund.. but u should continue building on that savings 1000 is supposed to just be a start

@nappyboi312 so the 3rd step after paying off debt is to save 3 to 6 months emergency fund. Most people don't even have the 1000 to begin with unfortunately .

No debt needs to be paid off first y’all keep playing with debt your goona learn

You can only hope.

And still smiling, which is astonishing because being Black and working in corporate america is miserable! 40 hours a week

At 40 years old it ain’t much dude people can save 100k in 3 years😂

If she was 20s 30s pretty impressive if she was younger

@@Sparkyzachchannel.you don’t have that living in the mid west ! So ..,

I think the video says she has $1k in savings, not 100k.

@@Lemons199020101k in emergency savings and 96k in retirement

I wished I looked this vibrant, making less than she does in NYC with a Bachelors degree! I don't even look half this happy. 😅😅

Kinda wild that she did this in houston though

​@spacewalker9375 Exactly! Texas, in general is one of the worst states for walkable cities and cycling. It's pretty amazing

She’s gonna give herself heatstroke during DoorDash in the summer

​@@chaxologist2961 but cycling effort is irrelevant. Just being outside in the Houston heat and humidity for hrs will have you sick. A car really is better there, even if just a small compact.

Goals? 💀💀🤣🤣

Very

Two part time jobs and one full time job. The median household income in Houston Texas is 65,000 so yeah she is doing well compared to Houston's median.

REAL REAL SAD!!!

She can't work 100 hours a day after 8 hour sleep

My 1 job is that amount

You need to create your own process, manage risk and stick to the plan, through thick or thin or you can just seek the help of a financial advisor.

If you are not knowledgeable, it is better to get advice or support from a consultant or investng coach. I think talking to a consultant is now the best approach to get into the industry because it helped me stay afloat in the stock market and increase my portfolio to roughly 65%.

@georgeh Please who is the consultant that assist you with your investmnt and if you don't mind, how do I get in touch with them?

@georgeh Who is your advsor please? if you don't mind me asking

She's known as a 'Amber Russell Bennett'. One of the finest portfolio managers in the field also widely recognized. Just research the name. You’d find necessary details to work with.

I think/hope that includes the personal trainer.

Right!

Ride the bike, go on walks.

I’m glad I’m not the only one who was stuck on that part. After having a trainer for awhile she should be able to come up with her own workout routines and get a gym membership that is much cheaper cause that’s insane.

@@Wuncler Yeah, her budgeting sucks. I pay 10 dollar a month for PF, it's enough

Boomers aren't necessarily 'mean', she made that comment because she has no idea what it takes to make it in todays market/economy. Boomers are stuck in the 80s. Her comment was the world passing her by. You should feel pity for the grandma, if anything.

Well said ❤

@BedroomBeethovens ummm.... her comment was rude... period. This is a wierd comment. It's annoying when people excuse rude/bad behavior. U can feel sorry for her being older but posessing no maturity and depth whatsoever and still say she made a rude comment.

@mzstacystacks3168 thank you!

@@kaykaysfashion122 Agreed. If the woman made the comment with an awareness that she was loud enough for the young lady to hear it, the she was indeed being rude. Also, it's been my experience that those who are mean, old people were the same way when they were young. Personality just becomes more pronounced the older you get.

Exactly! You said it right! Sometimes, we don't even "know" that we should be paid more until someone pushes us up there, then you start to realize you've been losing out! So crazy!!! Everyone is saying that in the comments, she deserves more and is worth more, but this is purposely and systematically done, and when it's brought to light on the internet everyone is shocked but it's our reality. Understanding your value and negotiation is key!

Best comment I have seen today!… People would rather comment about the fact that she doesn’t look 20 she actually looks 40 🙄. You are 100% correct.

No one is out to get you all just because you are a woman and Black. The corporate world is designed to take advantage of anyone it can . If you want to get your fair share, you have to know how to objectively negotiate for it. Also no one saddle you with student loans. You willingly took them on and didn't choose careers with high ROIs in terms of compensation. I am tired of this victim talk from the women in my community. Own your choices and when you do then things will change rather quickly in your life. Before you all get mad, remember I am a AA man so I should be getting it worse than you all...

This video didn't reveal what degrees she has. If she has degrees in African studies, then should an employer be obligated to pay her a six figure salary? Many black women are getting degrees that nobody is asking for and then they complain about not having the careers or pay they wished to have. This may not apply to you, but it certainly applies to many others.

@@xtrey19x she says later in the video that she works in Ed Admin, so I assume she got her degree in Education. There are six-figure jobs in higher education admin btw. I agree that people (not just Black women) get degrees in fields that don't lead to anything. Young people need to be educated about what degree choices pay. I encourage college students to research the first 10 years of expected salary in their fields before committing. If they don't like the numbers, switch majors and careers

Investment has been the easiest way to save and multiply money.

That is true everyone needs more than their salary to be financially stable. Investing it with a reliable source is the best.

*Kristy Loreca strategy is the best. I recommend it for beginners because it is perfect for now and it is know.*

*No doubt!!! Kristy Loreca method is the best. I received information about her from BBC News. Over the past two years, I' started following her example and it's working in my favour. I lost my job at the beginning of last year and now I'm back on top following her guidance*

Definitely everyone needs a different stream of income, such as where on can invest some part of his or her monthly earnings

I couldn't agree more. Working with a financial advisor can provide invaluable guidance for navigating investment strategies effectively.

“Angela Lynn Schilling” is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment,.

You probably don’t have student loan debt. That would eat up your money.

You can't be paying rent anywhere either if you make $38k gross.

@@eliteway17 after taxes

Either you managed to pay off your home early or you live with someone rent free. Bc otherwise the math aint mathing.

@@kocoaberry7041 I live by myself self my rent is 850. No kids lol it’s possible in 2024

Yes most don’t understand how much that will grow by retirement age.

this is a rare angle for this program but i tend to speak to folks like this all the time on mine

This. I make way more than what I paid for my tuition.

Yes it was probably the school she chose because you can get a Master’s degree for less than that. Unless she is including undergraduate loans in that total which still can be less.

I suggested this and they in the comments tryna tell me I’m crazy! It’s no attack on her for her hustle. It’s just gotta make sense and add up and she can definitely make more without having to do 3 jobs to attack “debt”this way and still end up only at $65,000. Like I don’t think people actually are thinking about this from critical stand point and realizing how absurd this is and I think she’s amazing and just want more for her.

​@@CJ-fh5xqsame. Graduated with 24k I'm debt. Engineering degree. Now at 29 earn $120k, WFH, and have a net worth of 140k so far. First job out of uni paid 60k. Been going up since then, 2016.

Hey can you help me? I am interested in that!

Can you guess who pays for it in the long run? We should know that if you take out a loan, you will be on the hook for paying for it. This presidency continues to weaken our economy for votes and it still might not be enough.

Not all of her loans were forgiven. She still has $18k in private loans.

@@LightskinKing33 ok apply that to ALL loans. Students could file bankruptcy for student loans until the 90s. it should be seen as the same as all other loans. the reason the loan is forgiven at educational institutes is because they are paid less than market rate, same with teachers and their student loan forgiveness

@@munaali840 Yes I don’t believe bill Clinton should have gotten the government involved in providing loans to students. That heavily inflated the pricing of schools. Like you mentioned he was able to get the government involved because student loans now became something you could not remove with bankruptcy. Now that they are involved and knowing these prices are heavily inflated, one must decide if what they’re going for will give a proper ROI to justify going to college. Not just wait for the government to bail people out that continuously make bad choices.

welcome to Houston jobs here dont pay well

Caleb only wants the worst on his show

She doesn’t. She looks her age.

@@sarahleeblanc8274 i’m in my early 40s and many people my age look older than her. I don’t see any wrinkles - she’s doing something right!

@@sarahleeblanc8274 to you, not to me. she looks good for 40.

Black don’t crack

​@sarahleeblanc8274 I'm in my 20s and she definitely looks like she's in her mid to late 20s. Don't be a hater lol

IKR?? Her grandkid may be working four jobs and struggling to eat and put a basic roof over his head the way things are going. Hard work and a good education really don't mean much anymore.

It's tough indeed as seen already. With such a modest income, saving and investing might seem out of reach, but it's crucial for long-term financial security.

Absolutely. Even on a tight budget, there are ways to start investing wisely. It's essential to prioritize essentials, like building an emergency fund, before diving into investments.

And with the global economy being so unpredictable, it's even more critical to plan carefully. A sudden downturn could have a significant impact on someone with a modest income and multiple jobs.

The problem is that people don't have the knowledge needed to succeed in a challenging market. Only highly qualified professionals who had to experience the 2008 financial crisis could hope to earn a high salary in these challenging conditions.

That's true. Economic fluctuations can affect job stability and income levels, making it challenging to save and invest consistently.

i actually got so tired that i just started interviewing people myself! i keep it anonymous and that pretty much roots out the folks who wanna just tell you how great they are doing. i speak to people from all over the world and in all types of work. recently i've had on a therapist, mortician, facial plastic surgeon, ASMR artist, a guy who makes trophies!

She probably likes the freedom of doordash

@@rsimmons1980 She does but its a terrible side hustle and can make so much money faster doing many other things.

@@rsimmons1980yea that’s what she said

Right! I was thinking the same thing!

Probably includes session with that trainer

@@co563 At this price it must include "private" sessions with him

I spend $16

😂 I spend $10.83 a month at a planet fitness near where I live

Totally horrifying.

yeh

It tends to be the opposite of whatever the push/trend is. College was pushed so trade schools were great. Now trades are being pushed. If everyone floods it school will be great.

@@IL_Bgentyleveryone won’t though trade schools always been looked down on by society

I am an advocate for both… I have done both and I have worked for both types of institutions. There is a need for both (Universities/ Technical Colleges and/or junior colleges).

@@KFontLab not at the cost of $100k student loans

@@kingshomes8546 It isn't realistic for people to take out $100K loans on jobs that wont pay it off within 5 years.

Are you a math teacher, because you spelled “paid” wrong lol?

Don’t celebrate this. She needs to break in to a higher paying industry. This is not a lifestyle she should live everyday.

@@ft1725 She's working three jobs to pay off her debt. Surely that can be understood.

She's not smart..she's working 3 jobs, doesn't own and has to budget everything and she's entering 40s..this is sad reality of the U.S ...she make look happy but that's not a happy life ..she should move to where she can make more money

Same thing I said. I spend $10 at a planet fitness near me.

I could look past it if she had a fit body to justify it, but nope she's heavy.

That's crazy expensive. She must have a trainer.

⁠@@sharinaross1865 its a lifetime fitness, its a luxury chain like equinox. It’s worth it’s ONLY IF it’s within your budget.

Agree. ..her life is just budgeting, no credit, doesn't own..she speaks on owning in the future yet she's not building credit and she's 40..she def deserves better

But she is doing Ramsey ish because she continues to pay 237 a month in gym. That's ridiculous. She already rides the door dash bike why pay 237 monthly.

No.

Insurance??? What Insurance for.

Healthcare could easily be a couple hundred or more if the employer doesn’t offer it. Wonder if she has whole life insurance.

i prefer the more realistic ones

That's exactly what I said..Teachers in NYC, NJ, Connecticut make much more

@@chrisr4407 NYC & the Northeast is also more expensive than Houston and ice falls out of the sky for half of the year. Plus, you'll have to pay state income tax and there's no income tax in Texas.

@@xtrey19x A single person making ~$80k+/year, which is what someone with her experience in a similar role would make here, could afford to live on their own here in CT. But the winter rituals and potholes are another story, and quite frankly are partly why I am looking to move myself. And making around the same as her, I actually take home more of my paycheck even after my state income tax deductions.

Just gonna pretend you don't pay more in taxes for that?

Yes we do but we have better quality of life than you . 40 years old living like this . I prefer to pay taxes my friend . Salute

@@jennifercarlacadet5291 That's fine. I wish our tax dollars went to such things. But they don't so we don't want to pay more in taxes because we see what's already being paid. Is used to give foreign aide and prioritize immigrants. Or is just wasted on B.S. Glad Canadian government looks out for its people. Be thankful your government puts Canadians first. But it ain't free. That's false. You pay a lot more in taxes. But your government shows it's worth it

@@bronxishomenomatterwhereig3149its like you’re trying to convince yourself that she’s worse of thsn you just because she pays more taxes😂

@@AA-yc9dq No that's not what I'm doing at all. I agree paying extra in taxes is worth it. But only if your government shows that it's worth it. Read and comprehend before trying to clown someone less you look like the clown.

No she doesn’t

@@moff_gideon Most Americans are Struggling with Inflation right now and need to work multiple jobs. So yeah she does

Ikr. Planet Fitness is $10 per month.

She has a trainer guys and look at her skin and body. Like a 25 year old. Yet men of the culture havent claimed her yet.

@@followGreatnessshe’s obese. Why don’t you go claim that

You know there are million of free workout videos on youtube?

She doesn’t. She looks 40.

She looks great but I’m not sure why people think folks age so much in appearance between 25-40. Maybe the people they know age fast

@@sarahleeblanc8274what does 40 look like 😂?… cause you came in hard with that comment.

@@KFontLab exactly and as im reading your comment i feel like those are the years your looks change the least. Ppl are weird

Somebody else said that

me too!

To be fair, they didn't go over her budget in detail. I assumed that $270 was her grocery bill, which is pretty decent for a single person. She can 1000% get a better job with her background though.

@@ughmina Oh yeah, the $270 on the pie chart they aren't super clear on. She just verbally said that she considers eating out and clothes as part of "health and wellness."

65k without a car payment, no gas, no car insurance and still no savings. 15 years since graduation and really nothing to show for it. This is why its better to go through life with a PARTNER.