What I Spend in a Month in San Francisco ($$$) as a 24-yr old

Подписаться 174 тыс.

Просмотров 71 тыс.

50% 1

How much I spend as a 24-year old on my rent, eating out, groceries, my commute, travel.... a full 31 days of my life in San Francisco. Thanks in advance for keeping an open mind while listening to me expose every dollar of my income I've spent in January :-) I definitely could have been so much more conservative and tried to spend as little as possible for the month, but I wanted this to be an honest video of my typical spending.
Check out ze best way to do your taxes - Tax Pro Go: hrblock.io/37Nz7a7
& use code 90628 to get $20 off!!!
Wendy's SF What I Spend in a Week: • Video
instagram • / katherout
twitter • / katherout
tumblr • / kather0ut
blog • katherout.com
FTC: This is a #PaidPartnership with H&R Block (and I luv them)
BUSINESS INQUIRIES: if you are a company interested in working with me or you would like me to review a product, feel free to contact me at katherout@gmail.com

Хобби

Опубликовано:

7 мар 2020

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 202

@beam2836 4 года назад

THANK YOU for including your fixed costs (rent, utilities, car payment, etc). So many others leave these out entirely and it's just a video of them buying coffee and Ubers...Leaves so much to be desired! Your video was so refreshing and authentic :)

@Katherout 4 года назад

you a sweetheart because i was very nervous posting this and opening myself up to ridicule! glad my complete transparency was helpful :)

@Kpup 4 года назад

I'm actually shocked at how low that is for SF, and you definitely ate out and had fun, too. This was my favorite one of these videos.

@BriarRose91 3 года назад

Girl I agree. Im like 15 bucks for a full lunch? Wherrreeee

@bjmartinphotography 3 года назад

She sure spends a little. I lived in SF for 12 yrs and these numbers are low, except for the very accurate rent.

@age_of_reason 3 года назад

She didn't record all her food expenses. There's no way you're spending $319/month the way she is living.

@IlanaPinsky 4 года назад

I love this so much! I'm planning on doing my spending in a month in SF later on this year! Thank you for being so transparent as always! I wish more people could be open about finances

@Katherout 4 года назад

ESP. as women it's so important to be open with each other on saving, investing, income, raises, etc! it only helps us get further ahead

@stephandden 4 года назад

Love the transparency! I just shared a what I spend in a month video here in Toronto ✨

@therishlife 4 года назад

love this video!! as someone who's getting ready for post-grad life in nyc it's super helpful to see how you budget. thank you :)

@christinasorensen8248 4 года назад

This is great and so approachable! I love that you really broke it down and told us everything :)

@MandyMade 4 года назад

This video was so helpful, and I love that you included video clips of all your food :)

@claydaman60 4 года назад

I’d suggest diversifying out of your company stock. You have a high exposure to your company due to your income being largely tied to your job. By also investing a lot of your wealth in your company you are heavily exposed to your company going under (loss of job income and substantial wealth). It might be paying off right now but long term it’s risky!

@samanthahammett9178 4 года назад

Clay Alter she probably can’t yet! If it’s a company benefit, she probably has to have it vested after x amount of years. Then she can diversify.

@jeaninebrown1729 3 года назад

not if its valuable, then she is right where she wants to be.

@ElyseMarieee 4 года назад

Really really really enjoyed this video!!!! Very thorough & interesting & good to consider before heading into the real world after college. I hate the hate people get on these videos, they’ve helped me keep in mind the expenses I may have in different parts of the country I might end up in!

@Katherout 4 года назад

i hate the hate too!!! thank you for such a positive comment.

@ainovehkavaara7585 4 года назад

This was so good! I always LOVE your content on finance, it’d be awesome to hear more from you on that topic in the future as well

@Katherout 4 года назад

WHEW you know i'm down, just need more ideas of what to focus on within finance!

@bellashelby8058 4 года назад

Thanks for this video, Katherine! I’m starting to look at graduate school loan budgeting in a big city and this really put adult spending into perspective for me. Super informative and honest!

@Katherout 4 года назад

APPreciate that, bella!!!

@samodum63 4 года назад

So interesting to see as I am getting ready to move out to SF. I definitely spend too much eating out either for convenience or the social aspect but I also love getting to spend time with friends when we try new spots

@Katherout 4 года назад

ah hope the move goes smoothly!!

@CourtneyDowellOfTarth 3 года назад

Foooood! Me and my husband used to spend more eating out, but with covid we started saving a little more money due to eating in but we ended up getting a meal subscription cooking thing, which I used to think was ridiculous but it saves us so much time planning and he does a lot more cooking and it’s been a life changer

@salamfatayer5018 3 года назад

I literally was just saying you give Milwaukee vibes and then you shared that fun fact about your family ❤️ I'm from MKE and recently moved to SF so yay loved that detail alongside your valuable information!

@danielagotta1937 2 года назад

This reminds me so much of my own days back many years ago. Wonderful video. I am working on heading back, definitely

@yoraerae 4 года назад

I would love to see a video about your routine during this quarantine. I would like to see what thats like for someone who works in sales.

@Ddrhl 4 года назад

Interesting breakdown! My daughter is in Redwood City (was in San Rafael), and I'm in Concord, and it's surprising all the major differences between the two places. My favorite category is travel, because I often fly between Oakland and Burbank to see my family with a few trips a year to NY for family and an annual trip to Puerto Vallarta to stay with a girlfriend. I'm a tad jealous of your local friendships. Moved here in 2013 and haven't made any I'd classify as friends. Thanks for posting. Best wishes!

@Katherout 4 года назад

burbank airport my FAVE

@MRJOSHCHAM 4 года назад

Always max out your contribution for HSA and 401K, your future self will thank you for it.

@Katherout 4 года назад

What if the max for my 401k is 70% of my income? 😅

@implussed 4 года назад

@@Katherout the annual max for a 401k is 19.5k so I am assuming they are saying contribute that much within a year if you are able to.

@MRJOSHCHAM 4 года назад

@@Katherout there is always a balance of course. But consider this, you have not reached your max earning potential. But then again, you don't have any additional expenses either (like family). So as you are reaching your potential, lots of things (wonderful things) will happen, and you will be distracted, and your savings will go down instead of up. And no matter what, 401K advisors will say $10 now will give you more than putting down $100 when you are forty.

@purplemartinilol 4 года назад

Also i think “max out” as in max out the employee match

@shimmercandy15 4 года назад

Loved this video and how you included little clips from the foods and events

@Katherout 4 года назад

ugh thank u

@AlexGervacio33 3 года назад

Your so funny, and your information is SO Useful! Thank you! I’m thinking of moving to CA this year. ✌🏽nervous but still doing research

@OrdinaryG33K-SF 4 года назад

For San Francisco, I don't think your spending is outlandish at all! You've got a good deal on rent. Nice apartment! You're doing good!.

@Katherout 4 года назад

i feel VALIDATED

@victoriashore2576 4 года назад

This video was so well planned and edited!!

@Katherout 4 года назад

bless u and this comment

@theresamayserrano6438 3 года назад

I'm watching your videos now. I love you! Happy Birthday ❤❤❤

@crazylove1232400 2 года назад

I appreciate this so much bc I'm considering on moving to SF after college next year!

@TwixTimeMS 4 года назад

Hi Katherine! I missed you on youtube and I loved this video! Super informative :)

@Katherout 4 года назад

:')

@JenniferMartinez-hn2jy 4 года назад

Can you do a video explaining index funds more? Also, how much you recommend investing into them. :) Thank you!!!

@tokyobikebear8295 3 года назад

I USED TO WORK AT THAT TRADER JOE'S!! THANK YOU! I miss San Francisco too much...! :)

@cidadaovitoriense 3 года назад

My English teacher have recommended this video in a class about money. Thanks for sharing us your experience ☺️

@farhanhaider5652 4 года назад

It shows that you put effort in this video! Good job

@carsoncolvin1234 3 года назад

Thanks for this - absolutely crazy. We're visiting SF soon and I've been binging SF videos. We live in Oklahoma and own our own home, a 3 bed 2 bath, and we pay less than $1000 per month. This is absolutely insane, but I'll keep watching these videos, lol.

@sterlingmarshel6299 2 года назад

but its Oklahoma

@TheNb0601 4 года назад

When you pointed out the background, I had flashbacks to you filming in your old blue room haha

@Katherout 4 года назад

omg u already kno what it is

@MintChocChip100 4 года назад

I'm really enjoying your content nowadays! It seems like you're enjoying life, and you're also really into youtube these days. I love it! This is my first year post-grad, and I am still figuring out my transition after college. I've been following you since your high school senior days, so I feel that we are in the same range of life stages. Your content right now has been really beneficial to me figuring out my post-college self!

@Katherout 4 года назад

trying to enjoy life but 2020 has actually been kinda shitty so far? not sure if you feel the same. BUT i definitely am really into youtube and hoping that trend continues :-)

@juliamathews8288 4 года назад

and I thought my $150/month into my savings account was good!

@geralds808 4 года назад

A fellow Pisces?! 🙌🏼 Your vids are definitely helping me get a sneak peek of SF while I prepare for a move! Milwaukee is awesome!!

@Katherout 4 года назад

i don't FEEL like a pisces but i guess i am!

@nicolebtch 2 года назад

@@Katherout why don’t you feel like a pisces or what do you think that’s like?

@Flyingtoescape 4 года назад

Very interesting video! I didn't realize how expensive food would be, I was really surprised! I would have never believe I'm saying this but London does seems cheap compared to this :) (But the salaries are not that great especially for entry level jobs)

@Katherout 4 года назад

every big city has its differences, i have been to london but honestly can't really remember how expensive the food was! i only remember it being much cheaper than paris sos

@NellieAlmonte Год назад

wow! You are such a good steward of your finances that I'm sure you'll attract more. Every time you said what you spent, I kept finding myself saying "that's it?" So many people your age blow their entire pay, charge the rest and don't save or invest. Bravo!!! I wish I had been as responsible at your age.

@calisunset90210 4 года назад

Loved this video! I think what you spend is responsible for SF.

@Katherout 4 года назад

:') i'm honored

@saraw6194 3 года назад

By the way since you have an HSA that means you have a high deductible health care plan which means you pay 100% until you reach the HIGH deductible (for my high deductible plan that is 1,500). If you stack a bunch of stuff into one year you will finally get the insurance to kick in and cover 40-80%

@maddieroxx4eva 4 года назад

That's actually not bad for rent, I paid around 1000 a month to rent a bedroom this past summer in Toronto (but I had 4 other roomates). I appreciate that you calculated your expenses for the whole month because most people's videos only do a week and don't include things like rent, etc.

@Katherout 4 года назад

dying to go to Toronto!! interesting to hear your rent, and yes of course i needed to share the fulllll scope of my expenses it didn't feel right without em

@LouisaRubyDDD 4 года назад

Only $119 for Groceries? Wow, I expected that to be higher for some reason. Awesome video!

@ironnic2462 4 года назад

This was pretty cool to see I live in Orange County and rent isn’t as bad but it’s bay it’s around $1200 for a one bedroom apartment . If you have room mates and your splitting rent I think it’s closer to $800.

@Katherout 4 года назад

if i could pay $1200 for a one bedroom i'd be psyched!

@neilkasarla3708 2 года назад

thanks for sharing! Super helpful video :)

@AnneHoA 4 года назад

This interesting! I'm a student in Ghent (Belgium) and honestly my parents still pay a lot for me, so a completely different situation. Food seems really affordable in SF though!

@Katherout 4 года назад

AH i went to belgium a few years back! having your parents back you is so nice

@chloejimenez475 4 года назад

Amazing transparency! Very surprised about the 25% of your paycheck in your company stock, sounds like a risky move (re: concentration) but hope it works for you!

@Katherout 4 года назад

given the strength of our stock + the discounting + the growth it's very common to max out ESPP at my company actually! many sell as soon as it vests and redistribute to diversify. def risky but i've always learned now is the time to be risky while i'm young and can make it all back in a few years.

@shaylynnmolloy2867 4 года назад

Isn’t that pretty common at tech companies?

@samhhhhh Год назад

It's crazy that these prices sound so reasonable now with inflation, and I live in the midwest

@sparkyourfancy 4 года назад

The two drink minimum is a normal thing for comedy shows and it actually does state it on your ticket, right next to where it says 18 & over Clubs make their money off food and beverage, the cost of ticket goes to performers

@Katherout 4 года назад

u right u right i looked at the ticket again and it's tiny but it's there! i guess even at second city in chicago they didn't enforce a minimum when i went? i'm a comedy newb

@sparkyourfancy 4 года назад

Katherout no worries, I work at a comedy club so I spend a lot of time explaining this to people lol places like second city and UCB are primarily improv and sketch, more “traditional” stand up comedy clubs (all the punchlines, Cobbs, The Comedy Store) enforce a two drink minimum. I’m not sure how ticket sales are split at places like that, but they’re probably making more money off tickets sales than “traditional” comedy clubs do.

@serenaalfaro2400 2 года назад

how did she know I was binging these types of videos 😭😭

@ay920 3 года назад

After paying for three months of short term rents in North Beach last summer as a tech intern, I feel your long term rent is a steal. :)

@robertovalle655 Год назад

The rent is not bad at all. I was paying $2800 for my apartment in North Carolina, plus another $1200 for my apartment back home in Texas. Your rent is not bad at all. I don't know why people complain. NC was more expensive than SF

@tfhahs9619 3 года назад

Living in San Jose just south of SF, and those rent prices don't phase me, it is just par of course, that's the Bay Area tax

@MsLizzy981 4 года назад

I hope you don't get any hate for this video. It's done very well. Your monthly expenses may be more but your cost of living is more. My problem with other videos like this is when they seem so out of touch with priorities and make it feel like lavish expenses on beauty is all that matters.

@Katherout 4 года назад

honestly i'm so surprised and relieved with the overwhelmingly positive comment section!!!

@tanyamassey9438 4 года назад

I live in Dallas Texas. The only thing that’s out the roof is rent. Could be there isn’t a lot of land to build on. Here in Texas they’re always building new apts everywhere. I have a luxury apt in the burbs for 1450$ 2/2. 1140 sq ft.

@Katherout 4 года назад

texas a completely different world it feels like

@jellybelly111 4 года назад

@@Katherout is that a good thing or a bad thing?

@markwalter4881 3 года назад

Thank-you for making this video.

@sarahrosandic8196 4 года назад

Hey! Where did you get this bagel with your friend??? Looks amaing!

@beatpirate8 2 года назад

I moved out of SF finally and able to save money. No more parking tickets, less brunch, less shopping. Less concerts. And finally started to save money!

@guillaumeSONY 3 года назад

Hey, interesting video! I'd love to move to SF but I'm not sure how much bigger my salary would be in SF compared to France, biggest difference is rent as I pay 900€ per month for 70sq meters +50sq meters patio and two parking spots 😅 I'm a product owner with 3 years of experience including working at Airbus and Atos, maybe someone can give me a rough estimate?

@12245Fred 4 года назад

just wondering, how come you are paying for a car but mention you take bus/lyfts often for transportation?

@EPSGplayer 4 года назад

What is your paycheque every two weeks?

@emmapham6953 3 года назад

Thank you for this video! Would you recommend wealthfront as a good bank to open a savings account with?

@kyehandelman3401 4 года назад

The food all seemed so cheap! I live in Canada and hardly ever eat out but spend around $300 on groceries alone.

@Katherout 4 года назад

my food expenses were what i was most self conscious about!!! thank you for supporting my life choices 😎

@Nikki3b0oxX 3 года назад

I wish I had gone to school and studied tech ! Seems like a nice life lol. But good for you you work hard don’t feel bad . Be proud !

@sarahharrell6067 3 года назад

She’s in sales at a tech company, which you do not need a tech degree for. Start with entry level sales jobs at any company and gain experience then start applying for big tech companies!

@BriannaSam1 4 года назад

I also live in SF and I noticed you were at my husbands job for a night out. He probably saw you there. 😂

@Ryan-vl2nn 3 года назад

Zazie’s is awesome! Been going there for years.

@Newa113 3 года назад

I gotta move to sf for work, omg am I dreading it.

@saraw6194 3 года назад

I'm confused, do you not tip on your food purchases? It seems like from the receipts you didn't consider taxes and tips...

@shakiras5679 4 года назад

I LOVE SPENDING MONEY ON FOOD. I was just in Chicago this past weekend; if you're there again go to Wiener's Circle for authentic hot dogs ;-) Also I spent hella money on my HR Block in-person appointment; thinkin about doing it online next year but since I moved I had out-of-state W2s big yikes! Def gonna check out Tax Pro Go next year.

@Katherout 4 года назад

do they have veggie dogs? 😢 BIG ups to Tax Pro Go it saved me this year

@shakiras5679 4 года назад

@@Katherout I'm pretty sure they at least have veggie burgers!

@jamescussen6424 3 года назад

Would a salary of 100k be comfortable in SF?

@katherinedays 4 года назад

I live in the Bay Area; thank you for this! 🖤

@Katherout 4 года назад

we luv the bay

@jamessmeyer 4 года назад

This didn’t even seem like that much to me tbh.

@Katherout 4 года назад

REALLY!??! i'm flattered

@hailayshruga6524 4 года назад

how about netflix??? online shopping?? retail shopping??? BART & Muni passes???

@omgnowairly 4 года назад

That would be like 4 rolls of toilet paper per month here in Australia. Thats crazy.

@Katherout 4 года назад

all of my spending amounts to 4 rolls of toilet paper?

@omgnowairly 4 года назад

@@Katherout Its become a meme here, after people started hording it, that toilet paper has become a new currency worth thousands of dollars per roll. Forgot that might not translate over there. (you know what they say about a joke you have to explain.. my bad) Your content is amazing and it reminds me of the times ive started a new life far far away. My friends and I are big supporters and discuss your videos and tell our own stories. Stay safe and be kind to yourself. You rock!

@arianabuchanan6682 4 года назад

Wow that was way less on food than I was expecting

@Katherout 4 года назад

OKOKOK i'll take it!

@joetraveler5609 2 года назад

How to find an apartment in San Francisco

@AnnieHuangx 4 года назад

Thanks for making this video, it’s been so helpful to see how other young professionals my age spend their earnings! How many roommates do you live with in SF?

@blinkur09mom 4 года назад

Annie Huang she said she has two other roommates

@AnnieHuangx 4 года назад

Vanessa Negrete Ah got it, only heard the two bedroom + one converted bedroom and two bathroom part. SF sure is expensive!

@enailu86 4 года назад

@@AnnieHuangx they have only one bathroom. You can the whole apartment in the video with Shelby Church.

@michellesunshinestar 4 года назад

I'm really lucky, my utilities are included, I never have to worry about it.

@Katherout 4 года назад

so nice!

@luizagomes371 2 года назад

OMG WHERE WAS THE BAGEL FROM I NEED IT PLSS

@evakozlowski9339 3 года назад

lol that Mark Z part caught me off guard

@alimag515 4 года назад

what's your major?

@TechVHD 4 года назад

Do you not have a LinkedIn?

@basketballgirl023 3 года назад

Do you pay for parking?

@electricpenguin32 4 года назад

I live in Iowa so it’s wild seeing these videos from people that live in California. Rent costs more than a lot of people in my area make in a month 🤯 Makes it feel impossible to move out of my area when we can’t save enough to afford the cost of living anywhere else.

@Ddrhl 4 года назад

So true. My daughter's Redwood City rent is more per month than we pay for two mortgages!

@Katherout 4 года назад

i FEEEL this but just know salaries in SF are higher so it's not a flat comparison!! with the right job you can do it

@Derdries1111 3 года назад

How much is weed in Sf ?

@yeehawtomahawk 4 года назад

So no toiletries or retail items at all?

@Katherout 4 года назад

this was 100% all of my spending! i haven't been shopping as much lately out of environmentalism, toiletries i actually don't use that much makeup so i don't replace it often

@1jojomoreno 4 года назад

Do you have any student loans that you are currently paying off?

@implussed 4 года назад

she does not, thats why she graduated early

@Katherout 4 года назад

@@implussed stace has it!

@OrdinaryG33K-SF 4 года назад

Can you tell me where you got that wall hanging behind you?

@Katherout 4 года назад

my roommate made it actually!

@XProShopperX 4 года назад

woah that’s crazy!! for $1400 where i live, you can get your own luxury 3 bedroom apartment.

@gwynneio 4 года назад

Crazy! Where is that?

@XProShopperX 4 года назад

gwynneio NC

@formulamont6889 4 года назад

Nice video thanks for showing the reality

@Katherout 4 года назад

of course!

@cobbetlprogrammer1344 3 года назад

You sau you pay: $17.00 IN UTILITIES! Wow!! Is that including Electric, Water & Gas and Garbage pick up? That's incredibly cheap.

@annalubenow1233 3 года назад

Wow I spend one hundred dollars a month for internet service! I live in El Paso Texas, every other expense is cheaper

@purplemartinilol 4 года назад

Which credit card do you use?

@Katherout 4 года назад

Chase Sapphire Preferred!

@alimag515 4 года назад

what's your annual income?

@Katherout 4 года назад

🤓i'm not at this level of transparency yet

@curliixque 4 года назад

Ayyyohhh ‘96 leap year baby here

@Katherout 4 года назад

HELLO

@moksha6202 3 года назад

You may be shocked to hear this . I live in this very over inflated town called Asheville, NC. Rent for a room is cheaper but probably the highest in the whole state of NC. Food and drinks are identical to S.F. Why ? Tourist, retirees from all over including CA, NY moving here by the 1000s! Here is the biggest difference. In Asheville we have extremely low wages. Very few professional jobs for college educated folks. Most young people fall into 3 categories. 1: Poor happy, 2: TRUST FUND KIDS ! 3: do their own business or go to school/UNI. Personally I would pick S.F any day as you can at least find well paying tech jobs to sustain your life style..... Not to mention S.F is one of the coolest cities on the planet ! worth the high cost . Just like NYC.

@erikasatya5394 3 года назад

We also have a town like that here a bit south from San Francisco - Santa Cruz Not a lot of jobs in the vicinity, inflated housing costs that compare with the rest of the Bay Area's, tourism is its main revenue, most homes are owned by retirees or people who bought them in the 90's and earlier, and it's a pretty well-known college city for locals.

@aleeeeeeeee97 4 года назад

Hi Katherout, is possible to live in SF without car?

@stuffykong 4 года назад

Alessandro Spasiano yes, many do and it is way better.

@Ddrhl 4 года назад

Absolutely! We've found that for SF and for Boston, too.

@nileshnaik9743 4 года назад

Hi anti

@mxprincess241 4 года назад

What budgeting software do you use?

@Katherout 4 года назад

mint if anything!

@teresafoo 4 года назад

Where do you find sushi for $12 in the bay area??? Unless you're getting one roll 😂

@Katherout 4 года назад

hahahah veggie sushi is cheap!!

@implussed 4 года назад

Your voice and accent have changed so much since you were at USC!

@AA-tk3th 4 года назад

Stace Jau Really? How so? I don’t hear a difference

@implussed 4 года назад

@@AA-tk3th Hmm I feel like it used to be softer/fuzzier and now is a little sharper and more country? It's hard for me to describe the difference! If anyone can do it better please go ahead haha

@clar331 4 года назад

Maybe the air quality plays a role in ones voice

@Katherout 4 года назад

guys this thread is extremely interesting to me pls keep weighing in!!!

@AA-tk3th 4 года назад

Tbh, she doesn't sound country at all. I know people who have a country accent and she sounds nothing like them lol I do think she has a very californian accent. Some words sound very west coast to me like when she says "SF" most people would say "Ess Eff" but she says something like "Ass Aff" which is very californian to me haha