Living On $88K A Year In The Bay Area

Living On $88K A Year In The Bay Area | Millennial Money

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Christine Hopkins, 27, lives in Berkeley, CA, and earns $88,000 a year as a marketing manager at Bluewolf, an IBM company. She wasn't always responsible with money, making charges to her credit card without being able to pay them off. In 2018 she began making an effort to change her financial habits. Here's how Christine makes, earns, and spends her money.
Read more about Rachel and Scott’s budget breakdown: cnb.cx/2K87pKP
This is the latest installment of Millennial Money, which profiles people across the U.S. and details how they earn and spend their money.
After making changes to her financial lifestyle, Hopkins now puts away around $2,000 a month into savings, pays down her debt, and still enjoys life in the Bay area. Although a significant portion of her earnings goes toward rent and debt repayment, Hopkins says she never feels like she’s struggling to get by. “I’m able to live pretty comfortably on my salary in Berkeley,” she says.
Hopkins began working in the Bay Area as a marketing intern after graduating from college, earning $15 an hour. After her internship ended the company offered her a full-time position for $50,000 a year.
When she realized that her debt was not decreasing despite her increase in salary she started working with an advisor at the Financial Gym. Hopkins began treating her savings and debt like bills, putting a certain amount toward each every month. “I have discovered that I actually have a lot more money than I thought to do things like this,” she says.
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Living On $88K A Year In The Bay Area | Millennial Money

Пікірлер: 645

@Sabrina-wc7cp 3 жыл бұрын

When I moved to California I wondered why EVERYONE was always in a relationship and then I realized it was to split rent on a one bedroom 👌🏼

@redblondechick 3 жыл бұрын

i saw that too. however this guy doesnt have a job

@cristianmarint 3 жыл бұрын

@@redblondechick lmao

@alexandra4real360 3 жыл бұрын

@@redblondechick It says she splits her rent with him so he must have some money to pay for things. Same with the scooter.

@digvijaysinghrajawat9964 2 жыл бұрын

😂

@mahpinheiro25 2 жыл бұрын

Maybe that's why poliamory is such a big thing there too

@SheylaGomes 4 жыл бұрын

I see two red flags here: 1. She has a sizable amount of debt that should be dealt with more aggressively now. 2. She is moving abroad with her "partner" and with no job lined up. I'm worried about her.

@brittney1950 4 жыл бұрын

Sheyla Gomes agreed.

@JohnLee-fr6pi 4 жыл бұрын

It's okay, she can hook for a living.

@m2donegan 4 жыл бұрын

Even her partner wont bring that much money in

@TLM860 4 жыл бұрын

She got this!

@dsanti4069 4 жыл бұрын

Going to German is a bad bad move .

@relaxwithnature6532 4 жыл бұрын

There is no way I am going to quit my job and move to another country (whose first language is not english) with no job line up with a man who is not my Husband

@bluegoat6323 4 жыл бұрын

@Tamara D. Well said, language is the biggest set back. I can narrate from a first hand perspective. This guy is going for a post doctorate not even a job. They usually earn about 3000 a month. Then he has to start paying his own student loan... Girl no.

@cherelleroberts4316 4 жыл бұрын

Perioddddddd

@FreeAgent99 4 жыл бұрын

Why would it make a difference if you were married?

@FreeAgent99 4 жыл бұрын

Never lose sleep over the small stuff 100% agree

@StarMonkies 4 жыл бұрын

She is young, it's an opportunity to learn a new language and see a new country. Also it's Germany. It's a western country with one of the biggest economies in Europe and the world. She will be fine getting a job. I don't see how it would be any better if he was her husband. In fact that would just make things more complicated if things broke down

@justderek3584 4 жыл бұрын

Sometimes I just read the comments to make sure I’m not the crazy one.

@gabriellejones6451 3 жыл бұрын

Lol

@proverbs31woman31 Ай бұрын

Right!! 😂

@rachelwallace8399 4 жыл бұрын

She has consumer debt, but someone told her it was okay to pay $85/mo. for financial guidance? Dave Ramsey STAT.

@calisahardy4845 4 жыл бұрын

It's funny I watch most of these with Dave's voice in my head!

@jfloresdrums 4 жыл бұрын

She's only turtle intense with her debt (no offense to turtles).

@joybeavers5945 4 жыл бұрын

She's paying someone to track her spending sweetie there's an App for that or you can do it yourself🤦‍♀️

@AtAg1962 4 жыл бұрын

Joy Beavers mint

@crosscounty24 4 жыл бұрын

Its better than doing nothing

@lijie6431 4 жыл бұрын

She needs someone to keep her accountable. App you can ignore.

@Elitepresshd 4 жыл бұрын

Mint

@SisterJanet 4 жыл бұрын

A financial advisor is in no way comparable to a spending app.

@soccerchic2ify 4 жыл бұрын

Her: “ I’m in debt” Also her “I’m moving to Germany with no job lined up”

@traceford4904 4 жыл бұрын

She'll be fine. Hopefully she can find a job where she'll be earning Euros which has a slightly higher value than USD and can apply that towards her debt.

@traceford4904 4 жыл бұрын

@You Tube Hmm they are aren't they.

@AlexT2048 3 жыл бұрын

She is doing well in Germany. Working remotely in her marketing job. Thank you for being concerned

@familyaccount2467 3 жыл бұрын

@@traceford4904 First of all, in Europe salaries are significantly less than those inflated income rates in the US. Plus, she's not gonna be making 88,000 euros, she'll be making the equivelant of her job now that is if she managed to get a similar job in a country where she doesn''t speak the first language.

@sinamen516 3 жыл бұрын

Nothing wrong with it, she could've stayed in America during a pandemic and no job

@kayseacamp 4 жыл бұрын

I really want them to do a follow up on her. How did the move go? Did you regret it? Did you find a job? How are you planning to pay off the rest of your debt? Did you and your partner split after the move? Did you come back to the US? So many unanswered questions.

@bobbitooooo 4 жыл бұрын

CNBC should troll Graham with a "Living On 163,800$ A Month As A KZfaqr | Millenial Money" episode, for him to react on.

@navrajlally 4 жыл бұрын

Yes

@AmiyrahMartin 4 жыл бұрын

😂😂😂

@saulgoodman2018 4 жыл бұрын

No one gives a crap about this Graham guy.

@joshn2342323 4 жыл бұрын

and have the guy being interviewed named Stephan Graham

@223costa 4 жыл бұрын

Yes.....finally

@investingwithwilliamtherob2834 4 жыл бұрын

I wouldn't move if I were her until I pay my debt. Especially since she doesn't have job line up.

@ANonyMouse627 4 жыл бұрын

but her boyfriend is moving for grad school

@wnytrashtrucks 4 жыл бұрын

@@ANonyMouse627 does not mean she has to go with him.

@ANonyMouse627 4 жыл бұрын

@@wnytrashtrucks but maybe she wants to anyway

@wnytrashtrucks 4 жыл бұрын

@@ANonyMouse627 she must really want to has she has been saving for it she knows she is going.

@jzk2020 4 жыл бұрын

@@ANonyMouse627 Just because her boyfriend is moving and she wants to, doesn't mean that she should. Its called being an adult. Just because you want to watch neflix all day doesn't mean that you shouldn't work.

@itzyaboyizzy 4 жыл бұрын

U making almost six figs and you're going to move to a different country with your boyfriend without having a job lined up?

@norpriest521 4 жыл бұрын

German Dream brother 💪

@scottm6338 3 жыл бұрын

@Never lose sleep over the small stuff Because what you could spend in South East Asia in a month could be spent in Germany within a week

@coldchillin8382 3 жыл бұрын

The problem is her debt. It’s not going to just go away

@coldchillin8382 3 жыл бұрын

Never lose sleep over the small stuff what do you mean “eventually?” Student debt doesn’t have a statute of limitations unlike many credit collections.

@AkwaIbomDoll 3 жыл бұрын

The lack of financial literacy is so sad 😭

@thepeacescarf 4 жыл бұрын

They’re not married and she’s moving to Germany with him.... okayyyyyy

@sbkpilot1 4 жыл бұрын

young, stupid and foolish... not only that these people have debt and planning to move to another country where they have no job etc.

@jzk2020 4 жыл бұрын

@@sbkpilot1 Also, why does he need to go to Germany to finish his studies, don't they have colleges in US? Hmmm 🤔And the sad thing is, he's probably studying some useless subject like victorian literature. RIP to their future. #FutureStrugglingArtists

@ambotngababoy 4 жыл бұрын

@@jzk2020 maybe scholarship or grant, or maybe Germany has a program that US don't offer

@ALXSSA 4 жыл бұрын

@🔴Warped🔴 because anything can happen in their relationship to cause them to break up and she will be stuck in Germany

@philliptemple9841 4 жыл бұрын

I don't see a problem with this. Why go to Germany to study? Because education is free. The level of English there is excellent and unemployment low, so getting a job and making friends should be fine. They probably visited before Ms Merkel opened the floodgates, so they may be a little disappointed that it's not as clean or as safe as they remember. However it should be a fun adventure for them. Phillip.

@sabrinatatalias4277 4 жыл бұрын

You should make a CNBC make it on an actual college student and show how they manage money

@oldaccount8478 4 жыл бұрын

I live in SF as a first gen student! I go to school full time and I work two jobs! ✋🏼

@collegestudentfinance2300 4 жыл бұрын

I applied today and I’m a college student saving for retirement. I hope they pick me.

@AlexT2048 3 жыл бұрын

She is doing well in Germany. Working remotely in her marketing job. Thank you for being concerned

@revyncrowley3808 3 жыл бұрын

She has a shockingly small amount of savings for moving internationally. It seems more reasonable to do long distance for a year while she attacks the high interest debt and builds a real emergency fund. It’s not easy to find a job in Europe as an American, so she should really have 6 months of living expenses.

@hughj7705 4 жыл бұрын

So “Millennial Money” has been moved to the beginning of the video title now... so Graham can recognize the video faster

@saulgoodman2018 4 жыл бұрын

No one gives a crap about this Graham guy.

@driver8703 4 жыл бұрын

Sweet V. He’s a KZfaq financial guy and real estate agent that breaks down these millennial money vids and talks about what they waste money on

@saulgoodman2018 4 жыл бұрын

Lost in Tennessee who care who he is. Sounds like another cheap skate, who would complain about if someone even spends a dollar on a cup of coffee.

@driver8703 4 жыл бұрын

Trevor Phillips well he’s smarter and I bet has about 100 times more money than you. But you really need to get a life besides being all up in the comments bashing a guy that’s way more successful than you and doesn’t live in his moms basement.

@saulgoodman2018 4 жыл бұрын

@@driver8703 Smarter? Because he has a stupid KZfaq channel? Trying to sell his stupid course?

@rebeccacormier2871 4 жыл бұрын

I lived in Germany after graduation and she will struggle to find reliable work without speaking German. Language courses arent cheap either,

@kw9801 3 жыл бұрын

I can attest to that. I'm a teacher of German as a foreign language in Germany. Unless they're going to Berlin. No German necessary in Berlin.

@merryive 3 жыл бұрын

@@kw9801 Agree 100%!

@jacquelinm2662 4 жыл бұрын

🗣 Listen to me! I moved where my boyfriends job was at too and I didn’t have the best job lined up because I was just ready to venture out and do something new. I was going to be transferring from working a corporate, good pay and benefits to a store. The worst thing I could ever do. No where near what I was doing at my previous job. 1. Get your debit paid off first! 2. Save a few thousand! 3. Cut up your cards! Except one. 3. Start the job hunt ASAP! Don’t settle.

@jw7665 4 жыл бұрын

2k each for flight? Must be doing business class, since I regularly get roundtrip flights to/from Europe for around $500.

@Frenchy78180 4 жыл бұрын

Josh W Depends where and when you are flying to.... Get a flight to paris in december (1200$) vs january (450$).

@jonymx 3 жыл бұрын

Flying to Europe shouldn't cost you more than 500 peridot. If you plan ahead you can always avoid the high prices

@celinediaz3668 3 жыл бұрын

eh it depends on the date too, I paid $700 for a round trip from Mexico to Chicago /: (or that's what my dad told me,,, he booked it and took that money from my savings lolol), and the person I was traveling with paid like half of it bc she booked it before. And it's the same continent.

@DanielIles 4 жыл бұрын

🔔 *GRAHAM ALERT* 🔔 🚨 *GRAHAM ALERT* 🚨 💵 *GRAHAM ALERT* 💵

@saulgoodman2018 4 жыл бұрын

No one gives a crap about this Graham guy.

@MeetKevin 4 жыл бұрын

@@saulgoodman2018 I think you're outnumbered, trevor :P

@bulatgibaev1322 4 жыл бұрын

Go, Graham

@alexpashko4522 4 жыл бұрын

@@MeetKevin actually I like you even more than Graham

@Lolarawrxo90 4 жыл бұрын

Trevor Phillips speak for yourself I care about graham

@Tania_327 4 жыл бұрын

She is moving to live with her “partner” and saving thousands of dollars. Sorry honey, unless there’s a ring on my finger, this will be me 🙋🏻‍♀️. Stay with the dogs. Also her food and drink budget is outrageous, you can use some of that to pay on your credits cards... wonder if she is still using them?

@olawunmivera-cruz4879 4 жыл бұрын

Never lose sleep over the small stuff yeah your experience with your ex sounds amazing but she’s not moving to Germany to explore. Her bf is gonna be studying not hopping around. Plus she still has debt to pay off in America.

@emu9520 4 жыл бұрын

What difference does a ring mean? Literally nothing that what

@bsarioz 4 жыл бұрын

I don't think putting a ring will solve the entire issue. Marrying is not end of the problem.

@cyna1103 4 жыл бұрын

A ring doesn’t solve anything lol they could still leave you. Duh.

@ladye2818 3 жыл бұрын

@Never lose sleep over the small stuff Marriage is the ultimate form of commitment. It is a very serious promise, and love declaration that you make, before the public, and before the law.

@gr86er 4 жыл бұрын

1. She should be paying minimums on her other debts and attacking the credit cards aggressively while she postpones her savings. Then the next highest interest debt. 2. I have 3 pets and only spend $100/month so her expenses should be way lower especially taking away the barkbox crap. 3. She could drop her cell phone bill by at least half by going prepaid. 4. They should probably be looking in to getting a cheap commuter if her transportations cost are that high unless she has to pay for parking at her work then maybe it's okay. If she put all her savings towards debt she could probably pay it off in a year. She would be able to save 3k after shes done with debt so she can have a good amount after another year of savings. You're welcome, that will be $85/month please.

@SW-sw7wx 4 жыл бұрын

Eric Ramos agree with everything except for the transportation, I’m not sure she can save much more on that, even not using Uber, public transportation is expensive in Bay Area, bus fee is $3.

@StannisBaratheonOTK 4 жыл бұрын

There's going to be a mad dash for popcorn at the grocery store as everyone prepares for Graham's epic reaction video.

@alecbailey7235 4 жыл бұрын

Yeah he is going to freak out over the credit card debt and her not using points to travel! lol

@meaghanwood1844 4 жыл бұрын

I love these videos :) I found them through the Graham channel. Please keep doing these!

@LaisCordiolli 4 жыл бұрын

Looks like she's living above her means for the relationship...

@norpriest521 4 жыл бұрын

Puppy love

@norpriest521 3 жыл бұрын

@Never lose sleep over the small stuff Lmao It's up to you to choose to be wise or wild 😂 People make difference choices

@janedoes5903 3 жыл бұрын

It started before him. She took trips and still does. Nothing to do with the guy. White millennials do this all the time.

@cassandra7665 4 жыл бұрын

99% of the comments are about Graham 😂

@saulgoodman2018 4 жыл бұрын

and 99% don't give one crap about this Graham guy.

@clearly7911 4 жыл бұрын

We love graham

@clearly7911 4 жыл бұрын

Frickin love graham 🐺

@clearly7911 4 жыл бұрын

Trevor Phillips bye 👋 talk to the hand since the face isn’t listening

@driver8703 4 жыл бұрын

Trevor Phillips it seems Graham is all up in your mind, this is your second comment about him👀

@prathamrawal5757 4 жыл бұрын

The next video is on Graham. How a youtube makes $163,000 a month and his monthly expenses are - 30 cups of 20cent iced coffee

@KatesAdventures 4 жыл бұрын

*19 cent coffee this week haha! They would have to do a follow up video to allow for when he runs out of cream.

@SahilSharma-mu4yk 4 жыл бұрын

You really thinks he only drinks that iced coffee? It's just a gimmick for videos dude. That mofo lives rich life.

@parallelartistic861 4 жыл бұрын

These are great videos for people with money. I never saw myself poor but am learning to make it work for now. Are there plans to document the budgets of entrepreneurs from broke to stable ?

@leelsbless 4 жыл бұрын

I work with the financial gym too!! Love them so much, they’re saving my financial life

@MrDeezy314 4 жыл бұрын

I luv these millennial money episodes so much. I turned 28 his year and I really want to be in a better space in my life. These vids inspire and encourage me!

@timothyyhtomit 4 жыл бұрын

The last word in her sentences makes it sound like a question.

@iwwanly1544 4 жыл бұрын

Probably the most video I enjoyed watching of the mellineal money because she is a real fighter and knows how to live depending on herself I wish her the best

@ALXSSA 4 жыл бұрын

CNBC: Graham said you can reach out to him for him to be on Millennial Money!! Watch his video reacting to this!

@ayechammyayhpanmortaung6707 4 жыл бұрын

I’m addicted to watching millennial money videos and watching graham critique them afterwards

@youknowwithMartyKauffman 4 жыл бұрын

Man I can’t wait for the Graham video about this

@divisionbox 3 жыл бұрын

i remember my days in Berkley about 20years ago. my apartment was on chestnut street, right in front of Frank's engineer clinic. the room costs $2k for 2 room apartment back then. i still sometime wonder how went my life if i applied to green card instead back to Japan. recently i watched dream i'm back in the day and i'm talking in English, even i haven't spoke eng for 20yrs after back to Japan. i miss those days err

@gc377 4 жыл бұрын

Wow. Your debt is exactly the type of debt I have. Exactly. And I only make 50k but I don’t pay no bills bc I love at home rent free. I don’t pay for anything so thank you for letting me know that my debt is super easy to pay off if I just hold myself accountable

@dispassionateobserver 4 жыл бұрын

Graham Stephan crew checking in. You guys gotta get him for an episode of Millennial Money.

@balexandrio7227 4 жыл бұрын

And Graham is literally filming a response at this very moment. :)

@Cowdown 4 жыл бұрын

Waiting for Graham to make a video about it

@tavarusmckinney2562 4 жыл бұрын

$600 for food and drinks 👁👁

@Tania_327 4 жыл бұрын

Tavarus McKinney was thinking the same thing. And her partner?

@tavarusmckinney2562 4 жыл бұрын

I support 3 kids. Including myself and we dont spend $600 a month. I am pretty frugal though.

@tavarusmckinney2562 4 жыл бұрын

Im a Southern girl. I believe in home cooked meals as a family every night. Rarely do we go out to eat.

@philliptemple9841 4 жыл бұрын

She obviously missed Graham's video on how to make your own avocado toast. $20/day seems an awful lot. I'm guessing they buy a lot of take-out or use Uber eats several times a week. I thought they might enjoy expensive wine, but then discovered they were moving to Germany so maybe not. Phillip.

@EmpireTextbooks 4 жыл бұрын

Come on graham where’s your reaction video we’re all waiting

@UltimateBargains 4 жыл бұрын

Most Millennials are becoming aware of the benefits of minimalism and foregoing starting a family, because personal freedom is of primary importance to happiness. They don't need marriage or a family to be happy. They don't need material wealth or conspicuous consumption to be happy. The fewer things that you own, the fewer things that own you.

@MattSezer 4 жыл бұрын

No, they're forgoing those things out of financial necessity, not because it's some super-enjoyable thing.

@arielleparkerfargnoli4452 4 жыл бұрын

literally, they are not buying houses because millennials are trying to teach themselves financial freedom at age 26 after graduating with $30,000 in debt and not being taught how to manage money from age 16 all the way through college by our parents as probably should have happened. thank you @grahamstephan for your youtube channel.

@Unkuuu 2 жыл бұрын

No family and no small creature comforts makes for a miserable life, imo. Can’t relate. We are forgoing it due to lack of money and too much debt/financial obligations

@economiclifestyleinvesting9884 4 жыл бұрын

Focus on finishing your debt first

@chaddevildash5231 4 жыл бұрын

You guys should get Graham Stephan for the next episode of Millennial Money, he said he would do it if you asked.

@jellyfam7594 4 жыл бұрын

Should have used the chase sapphire reserve

@jasono.1629 4 жыл бұрын

Interesting video, thanks for posting.

@avril14thlove 4 жыл бұрын

This doesn't add up...her monthly expenses are higher than what should be her monthly take home pay....

@sabrinatatalias4277 4 жыл бұрын

Added debt..? Looks like that monthly fee may not be worth it

@ShannonSoSweeet 4 жыл бұрын

She split everything with her man

@j.2267 4 жыл бұрын

They included $1,860 savings and $975 debt repayment in that pie chart...her actual expenses are below her income

@jakelaxton7869 4 жыл бұрын

GRAHAM BOUTTA GO HAM ON THIS ONE

@TheCreoleSon89 4 жыл бұрын

Exactly. I can feel his blood boiling from Georgia. lol

@saulgoodman2018 4 жыл бұрын

No one gives a crap about this Graham guy.

@urgoth4 4 жыл бұрын

@@saulgoodman2018 After looking at 90% of his comments, you are definitely wrong.

@volitionant9682 4 жыл бұрын

Trevor Phillips is that the only sentence you learnt in elementary school? You’re in middle school now buddy. Time to learn the English language. Start studying child.

@saulgoodman2018 4 жыл бұрын

@@volitionant9682 I do not give a crap about him, or what he does, or what he has to say.

@KatesAdventures 4 жыл бұрын

Please reach out to Graham Stephan to do this. Or react to one of his videos, either would be highly entertaining.

@zorainshahbukhari484 4 жыл бұрын

Graham is gonna be disappointed with this Germany plan.

@alecbailey7235 4 жыл бұрын

Just waiting for Graham Stephan's reaction video.

@junfak 4 жыл бұрын

Ever since Graham got more views, this show got really soft with their guest.

@TheCreoleSon89 4 жыл бұрын

Graham can annihilate this budget and debt. And moving to Germany in debt? No lol

@alecbailey7235 4 жыл бұрын

Yeah Graham is definitely going to rip this one apart...

@ZXC_ZXC1 4 жыл бұрын

CNBC needs to file a copyright or DMCA complaint against all of Graham Stephen's videos on Millennial money since he is stealing their content for his own personal gain.

@fahimmukri8434 3 жыл бұрын

@@ZXC_ZXC1 I think he is advertising them, many people (including me) came from his channel.

@2BTO 3 жыл бұрын

@@ZXC_ZXC1 he has a strong case for criticism and review

@paulnguyen4403 4 жыл бұрын

Keep making these awesome video. The higher the debt the better for Graham reaction. 🤣

@SuperCortes10 4 жыл бұрын

TWO things CNBC, 1. We want Millennial Money at the end of your titles 2. For the love of god please get Graham Stephen on the show !!

@Brazillianboi69 4 жыл бұрын

Being a Dave Ramsey listener just makes you shake your head all the way through

@Chi_di 4 жыл бұрын

Graham Stephan is not going to like this AT ALLL Flights for $2000??

@madefortvmovie21 4 жыл бұрын

Right!? Like how??? I regularly flew from Germany to the US for $400 roundtrip!

@joolean7799 4 жыл бұрын

Lmao wish I was able to save 2k each month as a software engineer despite living frugally

@lijie6431 4 жыл бұрын

Get a side gig

@TrungPham-dk5uj 4 жыл бұрын

you can save 2k a month by moving to northern european countries. I started off with 32k (euros) a year as a junior mechanical engineer, still be able to save around 2k a month because things are cheaper here

@conor2439 3 жыл бұрын

The car sharing thing is nowhere near as economical as owning an inexpensive reliable car. Anyone who uses those services is just trying to be trendy. $85 pays for my gas, insurance, and maintenance on my Hobda Civic for a month, but that's the weekend day rate to rent?

@walkerskii 4 жыл бұрын

Scooters are fun but you were you aware, when the heavier of the two riders is on the back, the person in front has much less steering control!! I'm warning you only with brotherly concern for your safety.

@herewegoagain3750 3 жыл бұрын

I’m obsessed with these!😭

@erwynn 4 жыл бұрын

Get Graham Stephan on Millennial Money!

@stewiegriffin12341 3 жыл бұрын

Flights to Germany do not cost $2,000 each! If you're paying that much, you're either getting ripped off, or not looking hard enough.

@Mvubo 4 жыл бұрын

10 years ago I quit my job and went with my wife to France. She was doing post graduate studies, and I was looking after a small baby. It was the best thing I did for us. Hey, She's looking after the dogs.

@daviddang82 4 жыл бұрын

150 for phone seems like a lot. We have a family plan with 4 lines and it’s around 130. All unlimited data plans

@alancuevas7514 4 жыл бұрын

The monthly breakdown makes no sense if she is making $88K a year in California. After standard state and federal taxes, her month salary should be on the lower end of $5k. How can she afford to spend almost $6K?

@Mirrorz_ 4 жыл бұрын

Can you guys get Graham Stephen on Millennial Money please. That would be a great episode.

@butch4butch 3 жыл бұрын

Stop the hate. This is what a real person makes and spends, not someone who knows everything about finance. She eats out. She buys things. She’s moving to Germany and she doesn’t have a job there. It’s called “living life.”

@techontrack4250 4 жыл бұрын

Bring Graham on Millenial Money!

@arisleydiquispe3136 4 жыл бұрын

🤔so ur moving to Germany with a man who u r not married/engaged and have $33k in debt no job lined up ARE U FRICKIN KIDDING ME!! I’m a milenial and I have more common sense than that!

@canyounot4665 4 жыл бұрын

Arisleydi Solis marriage means nothing, you can easily ditch your partner

@arisleydiquispe3136 3 жыл бұрын

Never lose sleep over the small stuff excuse me?! And just who do u think u r ?! ... never mind go back to denial island

@jmcginn75 4 жыл бұрын

This feels like an ad for The Financial Gym. So she pays the financial gym $85 month to track spending and help with finances- that's a lot of money. And she also will be working her side job in sales for the financial gym. Um, ok, thanks for this advertisement.

@msj56 4 жыл бұрын

$85 per month is insane.

@sourapril 2 жыл бұрын

You know what Dave Ramsey is going to say? When you still owe a lot of debt, no job lined up, the only reason you move is because of your partner, going to a foreign country where you will be far away from your support system, sounds like a gamble to me. This is not about being young or being open minded. This is about knowing the risk and still decide the take it because of so called love. If she decided to move to Germany for herself nobody can say anything about it but she didn't.

@calvinraab8798 4 жыл бұрын

It's crazy that 88k in the bay area is not much

@kevinpatterson23 4 жыл бұрын

MM has hit east and west bay now time for a video on the southbay

@lucin2586 4 жыл бұрын

She should be paying off those credit cards aggressively and then pay off them student loans! I’m 32 with no student loans nor credit card debts and paid off my car and just bought a house! Just don’t live beyond your means and spend money on designer items that you can’t afford!

@javajava8856 4 жыл бұрын

You can get RT flights from LAX to London for under $400. Add another $50 to 100 on airlines like Ryanair to get to Munich or Berlin. So, $500 max for airfare. Not sure where she's getting $2000 from.

@marekgiedyk512 4 жыл бұрын

Cmon there are flights which cost like 1/3 it takes time to find them but if if planned ahead it not that hard... I see that Bay Ares is exoensive but sometimes i find out only from videos that ppl even etucated manager their money im kinda weird way

@back2the80s 3 жыл бұрын

He can't finish his degree here? He can go by himself. Not even married. No jobs lined up. She is giving up her nearly 90,000 for this dude and still got debt to pay?

@Mvubo 4 жыл бұрын

Did you notice that she put the scooter on credit card.

@shantralarharris2893 3 жыл бұрын

I paid cash cash for my moped

@redblondechick 3 жыл бұрын

Yessssss!!!!! aND paying $85 dollars for rent-a-cars

@dtj4585 4 жыл бұрын

I appreciate this video

@abdullahhakan1 4 жыл бұрын

After giving many lectures and marrying and divorcing from San Fransiscan wife in Ankara Turkey, nearby the Golbasi lake 6+1 villa with swimming pool, our business administration prof. dr. Gokhan Capoglu has been giving lessons in Atilim University in Ankara . He had got his Masters and Doctorate Diploma from University of California Berkeley with full bursaries and he is USA citizen as well at the age 57. All Bilkent University prof. dr.s are american citizens residing in Ankara Turkey, so we had met Gokhan Capoglu in Bilkent University as finance prof. He visits San Fransisco and Californian wilderness towns at least twice a year.

@kthakilla9470 3 жыл бұрын

You can pay 1300/mo for a place in SF? Is this normal because seattle is like 1500 for 300 sq ft.

@PrePre_ 4 жыл бұрын

Question. The $88k is what she makes before our after taxes?

@Y_Canada 4 жыл бұрын

$2,000 for a flight to Germany? Really? Even $1,000 is too high, you can often find deals and last-minute offers. I've been using SkyScanner for years (not a promo, just my experience), and I've never paid more than $800 for a ticket (and that was actually too high).

@AndSoWeLaughed 3 жыл бұрын

If I was asking someone to move with me, where they may not have a visa to work, I’d ask them to stay a year to get that debt lower. On 88k you should be able to pay them off. Lower your savings for a couple of months. Because I don’t want to have to support both of us and deal with your debt, especially if you aren’t allowed to work. I also really don’t get how a phone bill could be so high even if it is split?!

@sbkpilot1 4 жыл бұрын

Calculations seem off.. if you gross $88k you can't spend $71k net.. taxes are at least 25% including payroll taxes unless the savings were pretax i.e. 401k

@TLM860 4 жыл бұрын

Thank you CNBC! This is SOOO relatable to all millennials! We all nearly make 6 figures!

@lsmith9316 4 жыл бұрын

TLM oh come on. They have several millennial money videos where the salaries are much lower...they just wanted to cover the spectrum. Stop complaining.

@TLM860 4 жыл бұрын

@@lsmith9316 What a comeback! Funny thing...the average millenial salary is ~35K, yet there is not one video in the playlist so far where the person makes less than 50K. On top of that they only show people in large cities. I invite you to prove me wrong.

@FlorianEagox 4 жыл бұрын

They do what people want to see and what makes money. A part of this audience is probably old people judging them. If you want better videos about accurate millennial finance, go out and make them yourself please.

@lsmith9316 4 жыл бұрын

TLM Funny thing...just because it’s not relatable to you doesn’t mean it’s not relatable to a lot of other millennials. Even those making much less than 50K can take notes from these videos of what to do/what not to do. It’s not CNBC’s fault you can’t see that...

@TLM860 4 жыл бұрын

@@lsmith9316 We can agree to disagree then. Just because there are SOME genuine takeaways doesn't mean that this series isn't also out of touch, namely that this series is skewed by income and geography. Making this series more diverse would make it actually worthy of the name.

@runescaperocks48 4 жыл бұрын

Graham went into the avatar state after seeing this video

@karissaurban8863 4 жыл бұрын

Okay how do I get on one of these?? I want Graham Stephan to react to me.

@quangb8448 4 жыл бұрын

I've been debt free since I was in my late 20's, well, other than my mortgage since I didn't have hundreds of thousands to plop down. Before my mortgage, I was saving so much money per month without any debt. Paying off your credit cards every month is key. I still am saving money each month but I use some of that to pay off my mortgage faster.

@molly4919 4 жыл бұрын

She doesn’t have a job lined up, no way to bring her dogs, and she doesn’t have a house but she wants to move within the next month? Girl.... yikes

@s3ntin3l60 4 жыл бұрын

27....where on Earth did you go to get management experience? Considering you are still a newbie after just recently having graduated? It blows my mind.

@LewisIce22 3 жыл бұрын

I’m confused after taxes her budget is more than she makes a month

@franciscocamarena2115 4 жыл бұрын

CNBC Put Graham on here it'll be your most watched episode!

@brandonedwards8898 4 жыл бұрын

I’m learning from all these videos

@shiv4229 4 жыл бұрын

Graham!!! This channel need your help

@akui88 4 жыл бұрын

so she saves like 1800$ a month? i would refocus some of that money into paying off the debts faster, the faster you pay off your debt the less interest you pay...

@eddiehuang9235 4 жыл бұрын

Having $11,000 in credit card debt and only paying $500 every month is insane. The interest rate on credit card debt is atrocious(around 20% to 25% APY i think?). She should be focusing on paying that off first and then saving money for moving abroad. Moving to a new country while having debt is never a good idea.