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

Опубликовано:

3 июл 2024

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Комментарии : 644

@Sabrina-wc7cp 3 года назад

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 года назад

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

@cristianmarint 3 года назад

@@redblondechick lmao

@alexandra4real360 3 года назад

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

@digvijaysinghrajawat9964 3 года назад

😂

@mahpinheiro25 3 года назад

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

@SheylaGomes 5 лет назад

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 5 лет назад

Sheyla Gomes agreed.

@JohnLee-fr6pi 5 лет назад

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

@m2donegan 5 лет назад

Even her partner wont bring that much money in

@TLM860 5 лет назад

She got this!

@dsanti4069 5 лет назад

Going to German is a bad bad move .

@relaxwithnature6532 4 года назад

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 года назад

@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 года назад

Perioddddddd

@FreeAgent99 4 года назад

Why would it make a difference if you were married?

@FreeAgent99 4 года назад

Never lose sleep over the small stuff 100% agree

@StarMonkies 4 года назад

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 года назад

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

@gabriellejones6451 3 года назад

Lol

@proverbs31woman31 2 месяца назад

Right!! 😂

@joybeavers5945 5 лет назад

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

@AtAg1962 5 лет назад

Joy Beavers mint

@crosscounty24 5 лет назад

Its better than doing nothing

@lijie6431 5 лет назад

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

@Elitepresshd 4 года назад

Mint

@SisterJanet 4 года назад

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

@rachelwallace8399 5 лет назад

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

@calisahardy4845 4 года назад

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

@jfloresdrums 4 года назад

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

@kayseacamp 4 года назад

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.

@soccerchic2ify 4 года назад

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

@traceford4904 4 года назад

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 года назад

@You Tube Hmm they are aren't they.

@AlexT2048 4 года назад

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

@familyaccount2467 3 года назад

@@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 года назад

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

@bobbitooooo 5 лет назад

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

@navrajlally 5 лет назад

Yes

@AmiyrahMartin 5 лет назад

😂😂😂

@saulgoodman2018 5 лет назад

No one gives a crap about this Graham guy.

@joshn2342323 5 лет назад

and have the guy being interviewed named Stephan Graham

@223costa 5 лет назад

Yes.....finally

@CNBCMakeIt 5 лет назад

What’s your budget breakdown? Share your story with us for a chance to be featured in a future installment. cnb.cx/32TYZ2K

@sa5624 5 лет назад

Yes this will be great to see especially in Helsinki. Would love to see someone in my city do this.

@sa5624 5 лет назад

CNBC please do two in in here (Helsinki). One has to be a student. Americans would be shoked by free college and student supplement that we get from goverment (240€ + 80% of rent!)

@onebahamababe 5 лет назад

It would be great to see people in Stockholm!

@danieljung6462 5 лет назад

Please interview Graham Stephan for next episode!

@studiomb1190 5 лет назад

get graham stephan on millennial money please!!!

@investingwithwilliamtherob2834 5 лет назад

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

@ANonyMouse627 5 лет назад

but her boyfriend is moving for grad school

@wnytrashtrucks 5 лет назад

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

@ANonyMouse627 5 лет назад

@@wnytrashtrucks but maybe she wants to anyway

@wnytrashtrucks 5 лет назад

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

@jzk2020 5 лет назад

@@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.

@sabrinatatalias4277 5 лет назад

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

@oldaccount8478 4 года назад

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

@collegestudentfinance2300 4 года назад

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

@AlexT2048 4 года назад

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

@itzyaboyizzy 4 года назад

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 года назад

German Dream brother 💪

@scottm6338 4 года назад

@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 4 года назад

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

@coldchillin8382 4 года назад

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 года назад

The lack of financial literacy is so sad 😭

@rebeccacormier2871 4 года назад

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

@kw9801 3 года назад

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 года назад

@@kw9801 Agree 100%!

@hughj7705 5 лет назад

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

@saulgoodman2018 5 лет назад

No one gives a crap about this Graham guy.

@driver8703 5 лет назад

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

@saulgoodman2018 5 лет назад

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 5 лет назад

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 5 лет назад

@@driver8703 Smarter? Because he has a stupid RU-vid channel? Trying to sell his stupid course?

@revyncrowley3808 4 года назад

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.

@thepeacescarf 5 лет назад

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

@sbkpilot1 5 лет назад

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 5 лет назад

@@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 5 лет назад

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

@ALXSSA 5 лет назад

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

@philliptemple9841 5 лет назад

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.

@jw7665 4 года назад

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

@Frenchy78180 4 года назад

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

@jonymx 4 года назад

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

@celinediaz3668 3 года назад

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.

@gr86er 5 лет назад

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 года назад

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.

@DanielIles 5 лет назад

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

@saulgoodman2018 5 лет назад

No one gives a crap about this Graham guy.

@MeetKevin 5 лет назад

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

@bulatgibaev1322 5 лет назад

Go, Graham

@alexpashko4522 5 лет назад

@@MeetKevin actually I like you even more than Graham

@Lolarawrxo90 4 года назад

Trevor Phillips speak for yourself I care about graham

@BagsNBaguettes_327 5 лет назад

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 5 лет назад

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 года назад

What difference does a ring mean? Literally nothing that what

@bsarioz 4 года назад

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

@cyna1103 4 года назад

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

@ladye2818 3 года назад

@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.

@jacquelinm2662 5 лет назад

🗣 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.

@LaisCordiolli 4 года назад

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

@norpriest521 4 года назад

Puppy love

@norpriest521 4 года назад

@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 года назад

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

@timothyyhtomit 4 года назад

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

@StannisBaratheonOTK 5 лет назад

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

@alecbailey7235 5 лет назад

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

@cassandra7665 5 лет назад

99% of the comments are about Graham 😂

@saulgoodman2018 5 лет назад

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

@clearly7911 5 лет назад

We love graham

@clearly7911 5 лет назад

Frickin love graham 🐺

@clearly7911 5 лет назад

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

@driver8703 5 лет назад

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

@youknowwithMartyKauffman 5 лет назад

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

@tavarusmckinney2562 5 лет назад

$600 for food and drinks 👁👁

@BagsNBaguettes_327 5 лет назад

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

@tavarusmckinney2562 5 лет назад

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

@tavarusmckinney2562 5 лет назад

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

@philliptemple9841 5 лет назад

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.

@leelsbless 4 года назад

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

@MrDeezy314 5 лет назад

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!

@meaghanwood1844 5 лет назад

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

@prathamrawal5757 5 лет назад

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 5 лет назад

*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 года назад

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

@ALXSSA 5 лет назад

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

@iwwanly1544 4 года назад

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

@dispassionateobserver 5 лет назад

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

@ayechammyayhpanmortaung6707 5 лет назад

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

@chaddevildash5231 5 лет назад

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

@balexandrio7227 5 лет назад

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

@zorainshahbukhari484 5 лет назад

Graham is gonna be disappointed with this Germany plan.

@economiclifestyleinvesting9884 5 лет назад

Focus on finishing your debt first

@parallelartistic861 4 года назад

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 ?

@Cowdown 5 лет назад

Waiting for Graham to make a video about it

@jasono.1629 4 года назад

Interesting video, thanks for posting.

@EmpireTextbooks 5 лет назад

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

@jakelaxton7869 5 лет назад

GRAHAM BOUTTA GO HAM ON THIS ONE

@TheCreoleSon89 5 лет назад

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

@saulgoodman2018 5 лет назад

No one gives a crap about this Graham guy.

@urgoth4 5 лет назад

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

@volitionant9682 5 лет назад

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 5 лет назад

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

@joolean7799 5 лет назад

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

@lijie6431 5 лет назад

Get a side gig

@TrungPham-dk5uj 4 года назад

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

@divisionbox 4 года назад

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

@Chi_di 5 лет назад

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

@madefortvmovie21 4 года назад

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

@alecbailey7235 5 лет назад

Just waiting for Graham Stephan's reaction video.

@UltimateBargains 5 лет назад

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 5 лет назад

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

@arielleparkerfargnoli4452 5 лет назад

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 года назад

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

@gc377 4 года назад

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

@KatesAdventures 5 лет назад

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

@jellyfam7594 5 лет назад

Should have used the chase sapphire reserve

@techontrack4250 5 лет назад

Bring Graham on Millenial Money!

@junfak 5 лет назад

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

@TheCreoleSon89 5 лет назад

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

@alecbailey7235 5 лет назад

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

@ZXC_ZXC1 4 года назад

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 года назад

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

@2BTO 3 года назад

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

@avril14thlove 5 лет назад

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

@sabrinatatalias4277 5 лет назад

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

@ShannonSoSweeet 5 лет назад

She split everything with her man

@j.2267 5 лет назад

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

@paulnguyen4403 5 лет назад

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

@herewegoagain3750 3 года назад

I’m obsessed with these!😭

@walkerskii 4 года назад

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.

@erwynn 5 лет назад

Get Graham Stephan on Millennial Money!

@stewiegriffin12341 4 года назад

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.

@SuperCortes10 5 лет назад

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 !!

@jmcginn75 5 лет назад

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 5 лет назад

$85 per month is insane.

@daviddang82 5 лет назад

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

@Mvubo 5 лет назад

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

@shantralarharris2893 3 года назад

I paid cash cash for my moped

@redblondechick 3 года назад

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

@Brazillianboi69 4 года назад

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

@conor2439 4 года назад

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?

@Mirrorz_ 5 лет назад

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

@brandonedwards8898 4 года назад

I’m learning from all these videos

@calvinraab8798 5 лет назад

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

@dtj4585 4 года назад

I appreciate this video

@Mvubo 5 лет назад

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.

@kevinpatterson23 5 лет назад

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

@alancuevas7514 4 года назад

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?

@javajava8856 4 года назад

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.

@lucin2586 4 года назад

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!

@PrePre_ 4 года назад

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

@LewisIce22 3 года назад

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

@franciscocamarena2115 5 лет назад

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

@arisleydiquispe3136 4 года назад

🤔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 года назад

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

@arisleydiquispe3136 4 года назад

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

@runescaperocks48 5 лет назад

Graham went into the avatar state after seeing this video

@odelliv2766 3 года назад

I’m actually stuck on the $11 bus rides 😂🤣

@stee8345 3 года назад

that too made me do a double take...lol

@Y_Canada 5 лет назад

$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).

@kevinvincenti2969 5 лет назад

Guys that's the minimum wage in Australia.

@butch4butch 3 года назад

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.”

@brownhippiex496 3 года назад

I want an update on her.

@sourapril 3 года назад

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.

@andyquanzhou 5 лет назад

Do a Millennial Money episode with/about Graham? Pretty please?

@back2the80s 3 года назад

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?

@devajaniborah9122 4 года назад

I don't understand the thing with people buying stuff with their credit card without realising that they do have to pay it all back. Its a loan.

@sumitshresth 4 года назад

what does 88k a year mean here? before tax or after tax?

@LargeAaron 5 лет назад

I'm ready for Graham to watch this

@molly4919 4 года назад

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

@shiv4229 5 лет назад

Graham!!! This channel need your help

@AndSoWeLaughed 3 года назад

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?!

@boomsuga 5 лет назад

How about invest in a lawn mower to cut the grass!

@syburd 4 года назад

My thoughts exactly 😂

@marekgiedyk512 5 лет назад

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

@jinshuozhang3104 4 года назад

I just couldn't understand why ppl save money with less than 2% yield while having credit card with like 20% interest rate...

@quangb8448 5 лет назад

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.

@sbkpilot1 4 года назад

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