What's your budget breakdown? We're looking for stories from all ages, not just millennials! Share your story with us for a chance to be featured in a future installment of Millennial Money: cnb.cx/32TYZ2K

@henri6595

Жыл бұрын

Bring the Dogecoin person back

@adept3666

Жыл бұрын

Would you do someone from jamaica ? 🇯🇲

@CNBCMakeIt

Жыл бұрын

@@adept3666 Yes!

@mcmccorm1

Жыл бұрын

l

@Moseslinmusic

Жыл бұрын

Thanks so much for sharing my story! I posted a comment allowing people to reply and ask me anything, could you please pin it to the top?

As a wedding videographer, I've worked with him on a few weddings. He is oozing with positivity and just a good hang. Super happy for all the success he's achieved. Well Deserved!

@Moseslinmusic

Жыл бұрын

Dude thank you!!

@chinaboss6683

Жыл бұрын

Do you guys know Tony from Encore?

@hai.d.nguyen

Жыл бұрын

@@chinaboss6683 yes. He works hard and runs several crews to cover multiple weddings each weekend. True hustler. 👏🏻👏🏻.

@chinaboss6683

Жыл бұрын

@@hai.d.nguyen How much does he charge per wedding?

@qmawpxvecxydiwixytvieowizhehsi

Жыл бұрын

Yup! That's what got him the success 😉

Finally an episode on someone who isn't a social media influencer. You're winning at life man, kudos to you.

@Mzbbxhfbfnsx

Жыл бұрын

I was just thinking the same thing. I was waiting for him to say “and I have a KZread channel”

@MilenaKoncar

Жыл бұрын

@@Mzbbxhfbfnsx HE DOES

@MilenaKoncar

Жыл бұрын

So for u its smart to stay with the old school ways of making money when today u can earn passive income online and actually use your time to LIVE LIFE?!

@kenny1514

Жыл бұрын

@@MilenaKoncar most of his income is from playing guitar at weddings and from his rental properties ($175k + $40k), so his KZread channel is more of a side project/hobby. The other people on this show lately have been making most of their money from KZread/social media, including Graham who claims to be a real estate investor first, but actually makes 80% of his income from KZread.

@Moseslinmusic

Жыл бұрын

haha, I really appreciate this comment! I'm definitely no social media guru trying to sell you an e-course lmao!

Hi everyone! Thanks for taking the time to listen to my story. Feel free to reply to this comment and ask me anything!

@kb.gonzalez

Жыл бұрын

What advice would you give to someone wanting to make a living off KZread?

@Moseslinmusic

Жыл бұрын

​@@kb.gonzalez Great question! I honestly wouldn't recommend it unless you really think you can become the top 1% of KZreadrs. I have 11k subscribers and 1.4m views, and my total revenue over the last 6 years is $996. Granted, I have to share my revenue since my music is mostly covers, but it's not a very reliable income stream. For me, KZread serves as a portfolio that gives me credibility with clients, who will pay me $1000+/hour.

@jamiew.6606

Жыл бұрын

Hey, thanks for sharing your story it was really inspirational! I have a master's degree in fashion marketing, but still not living my dream as I thought I would (largely because of issues during the pandemic). I would like to start my own business in fashion and branding soon. What advice would you give on how to go about starting your own business? Are there any specific tools you used, did you have a mentor, accountant, website designer/creator, etc. when starting out? I'm a bit nervous on where to start. Thank you!

@Moseslinmusic

Жыл бұрын

@@jamiew.6606 Hey Jamie! I didn't have a mentor/accountant/website designer/etc, I just did it all myself. I'll give you some general advice and some specific advice. General advice: it's always better to do something and be wrong than to do nothing. Just do something, create momentum, and if you're wrong and you went the wrong direction, you learned something and now you can pivot. Don't fall into the trap that your first move has to be perfect or amazing. Specific advice: if you're not sure where to start, a good place would be to just build your social media into a place where you're a subject matter expert on fashion. That's a great platform to build any business from.

@jamiew.6606

Жыл бұрын

@@Moseslinmusic Thanks so much for the advice! That has been my current strategy. To just post more of my expertise and talent on social media and go from there. Just went slightly viral about a week ago (30k views) on one of my videos, so I'll just keep that up even though it can feel discouraging at times when my posts don't reach a large audience. Wishing you all the best!

Met this dude at a wedding 3 weeks ago. SO talented and nice! Keep it up!

@Moseslinmusic

Жыл бұрын

Hey Nia, who's wedding was it? :)

@candyjamaican

Жыл бұрын

What was he doing other than playing the guitar? I just can’t wrap my head around paying for a guitar guy at a wedding. Different culture tho

I loved the bit about he jumps in and learns to swim. It's so true that so many of us wait for the perfect moment to do things when in reality the most powerful thing you can do is just start

@Moseslinmusic

Жыл бұрын

Thanks man! I've made a ton of mistakes along the way, but I'm definitely way further along than if I hadn't taken that first step

Definitely love it when someone has a positive mindset and has no regrets and doesn't care what society would think...he is completely in control of his own life and that's absolutely amazing 👏👏👏

Thank is an amazing store, Choosing the right industry to invest is very critical, Most times, it amazes me greatly how I moved from an average lifestyle to earning over $63k per month, Utter shock is the word. I have come to realize a lot in the past few years that there are lots of opportunities in the financial market. The only thing is to know where to invest...

@ericchk102

Жыл бұрын

The decision to invest is an acknowledgment that comes with certain risks. Not all investments will do well and some may lose money. However, without risk there would be no opportunity to potentially earn the higher returns that can help you grow your wealth.

@thamad311

Жыл бұрын

@@ericchk102 I agree with you and I believe that the secret to financial stability is having the right investment ideas to enable you earn more money, I don’t know who agrees with me but either way I recommend either real estate or bitcoin and stocks.

@canary7361

Жыл бұрын

I keep wondering how people earn money in financial markets, i tried trading bitcoin on my own made a huge loss and now I'm scared of investing more.

@nyreggie

Жыл бұрын

@@canary7361 That won't bother you if you trade with a professional like *Mr Gary Mason Brooks* my coach, you may have come across him on interviews relating to bitcoin. He trades, manage trading account and offer mentorship program for clients who wish to become professional investors....

@canary7361

Жыл бұрын

@@nyreggie You allow people to trade for you? that's interesting, I would love to learn, hope it’s safe?

It is great to hear stories of people turning their creative passions into a career and being successful at it!

Finally a high earner that’s genuinely a good person

@airportatheist1645

Жыл бұрын

Most high earners and people in general are good. Don’t let mainstream media brainwash you. There are plenty of good and bad people on both sides of the money fence.

@Moseslinmusic

Жыл бұрын

My favorite comment! Thank you so much

@emch55

Жыл бұрын

A lot of us are….😒

“Everytime I charged more, I would book more and the clients were nicer.” 😂

@maitrang6043

Жыл бұрын

I thought this statement was very interesting too. It made a lot of sense.

@Moseslinmusic

Жыл бұрын

its an odd paradox of business, but its true! At least in this particular industry.

I love this story! That gem about raising his prices and getting better clientele as a result was great too.

When it comes to weddings, people wanna spend, and also because people have the perception that if they pay a higher price for something like gowns & rings, they have a better value. Explains why the more he charged the more bookings he had.

@Msnanamac

Жыл бұрын

I was a successful dog sitter on an app and I noticed the same thing. When I raised my price, I got more bookings with better homes and wealthy clients. I also noticed the more people paid me, the better THEY took care of their dog. After a awhile, I didn't want to work with clients who tried to bargain on lower rates because they didn't treat me or their animals well.

I'm happy for this dude, he's so positive and has a learner attitude, I wish him the best

He found his calling and can pursue his dreams. Also if he retires as a musician he has his rental properties to fall back on. Good job.

Your business will make you rich but investment makes and you keep you wealthy, we all deserve to be successful and have financial freedom, I pray everyone here becomes successful

@samuelroyal3818

Жыл бұрын

@Hart Thim You're right, it's obvious a lot of people remain poor due to ignorance

@christianajoe8563

Жыл бұрын

I'm looking for something to venture into on a short term basis, I have about $6k sitting in my savings

@popsarah7805

Жыл бұрын

Starting early is the best way to getting ahead of build wealth, investing remains the priority

@lukeben1596

Жыл бұрын

I advice everyone to start investing and never rely on just salary. No billionaire made it through salary

@christianajoe8563

Жыл бұрын

I'm new to this Bitcoin trading, how do I get started with the help of a professional?

What he said is so true. We are all trained and shaped to study hard and get a job. Although it's still applicable for some careers - medicine, engineering, aviation, and law to get a degree. Some don't require it anymore. I did the same at least until 24 years old then I went on to find remote work that's still applicable to my degree. Life changing and I can honestly say --- better than going to the office (in my experience). What they need to do in school is to start educating kids about managing finances and honing your skill to start your own business.

I love how down to earth he is, yet he’s killing it with his income bracket 🎶

PKs represent!! 💪🥰 Love seeing the second generation creativity and hustle

This has to be my favorite video in this series

This dude is awesome. Happy for him, being smart with money while doing what he loves. Props

@jonjeffries3265

Жыл бұрын

Whats "props"..?

Awesome video! Great seeing a military veteran crushing it and enjoying the ride along the way YUUUUT!

@connie0613

Жыл бұрын

Agreee

So interesting! Thank you for sharing!!

The only thing I can say to him is "diversify." He has the real estate thing going, but get into the stock market too. My heart sunk when he said he didn't have an IRA.

@mocheen4837

Жыл бұрын

It is not too late for him to start saving.

@MayTheSchwartzBeWithYou

Жыл бұрын

IRA is chump change for him. Real estate is far more reliable than the fickle stock market.

I would have finished that last semester for the degree. After all that work, may as well finish what you started. Once you get that paper, it is yours for life.

Kudos to you Moses for doing what makes you happy.

Such a great an informative video. I live in Orange County as well, and this was inspiring. It's good to see young people being positive and doing well.

I love his calm attitude about what he's doing and where he is going!

Wow, $175k salary from guitar playing is baller! Dude must be sick on the strings, I've gotta check out his recorded stuff.

@CatchMeOnPort8080

Жыл бұрын

Being a wedding entertainer doesn't necessarily mean you're exceptional. It means you're good enough to play at weddings and you're an entertaining personality

@Myulls

Жыл бұрын

@@CatchMeOnPort8080 true!

@BlowitAllUp

Жыл бұрын

Being successful is more about people skills than anything else unfortunately.

@Myulls

Жыл бұрын

@@BlowitAllUp honestly I think people skills are worth the price. From my personal corporate experience, having a balance of technical skills + being a pleasure to work with is essential

1 semester left ! might as well eventually finished since it was free

One of the best Make It videos I've seen!

Congrats Moses!! This is so awesome

Loved this story. This guy is so cool and smart.

@connie0613

Жыл бұрын

Agreee

he’s positive and all “if you don’t have a safety net, you have to succeed” good for him, really. But the reality is that SO many people without a safety net do not succeed.

Good for him this is Awesome!

Congrats Moses - you’re a true inspiration! 🥳🎉

You go man!

This video is so timely. I'm supposed to start a PHD program this week and am considering not going. Oh, Moses how you inspire me

@THB_DX

Жыл бұрын

Please consider the program, especially if there are a lot of career paths it can provide. I graduated in June with a PhD and start a job in a couple weeks making 155k. It required a PhD!

@mohamedMustafa-yn4uc

Жыл бұрын

Please think more about this. I say that as someone who didn’t finish his bachelor degree.

@aliali-ce3yf

Жыл бұрын

did you end up going?

@fatuma2954

Жыл бұрын

@@aliali-ce3yf No, I deferred for 1 year. I'm going to spend this year following my true passion. I plan to quit my job in a few weeks to travel and start my business. I'm going 100% in. 🤞🏻

@aliali-ce3yf

Жыл бұрын

@@fatuma2954 cool, hope it works out !

Wow wish I could find something I could do from home ...I think the problem aswell is that we don't know what jobs are out there. Good for him! Lovely to see people work hard and succeed

@carojames6776

Жыл бұрын

Tutor, PA, catering, sewing, knitting, proof reading, homebased work with your computer providing a message service . Check on line, there are loads of home based jobs,

Hey I know Moses! Great player and guy. Great to see him do so well !

Wonderful story, very inspirational

Cool dude. Follow your passions in life and things can work out.

Cute! Heartwarming story

loved this!!

I like that, if you don’t have a backup plan you have to succeed.

@emmanuelharbor2350

Жыл бұрын

Quite agree!

I would love to hear how he managed his finances during the pandemic and whether he had to find other streams of income when there were less in-person weddings

@MayTheSchwartzBeWithYou

Жыл бұрын

Rental income and KZread ad revenue. Maybe Zoom lessons if he really needed the money, which I'm sure he didn't.

@ImNotaRussianBot

Жыл бұрын

He just told you, he made $175k from weddings in 2021.

@f430ferrari5

Жыл бұрын

@@ImNotaRussianBot but the issue was more in 2020 and beginning of 2021. By mid year couples were saying F it and just moved forward. Business is good for him now but how long can he keep it up. The economy is worsening. Layoffs are occurring. How many Twitter or Meta employees had weddings planned. Could be anybody. 40-50 weddings is nearly every single weekend. That’s busy especially if he’s traveling around. Many couples at some point may decide to cut this portion out of their budget. I actually think though that this guy has things figured out. I mean he’s looking at other money making opportunities. While he’s not promoting college now he’s still not far off from earning his degree. Don’t believe his major was mentioned. It could be Music degree and he’s all set in the future with perhaps being a Music teacher down the road. We are not seeing the negative side of his business also. He seems like a guy who just goes with the flow. Understands he may get stiffed or even have his guitar stolen or broken or who else knows what. People just need to be prepared. If it’s people’s dream to be this type of entertainer then great. Just be cautious.

*This was a beautiful story.*

This guy is killing it

@geodeification

Жыл бұрын

Sounds like you've heard his performance? Is he any good?

He only works more or less every weekend of the year (for weddings). Not bad.

I saw him at Down Town Disneyland and he blew our mind away. So glad to see everything is going well for him

@Moseslinmusic

Жыл бұрын

Hey!!! Thank you so much :) I don't perform at Downtown Disney anymore, but it will always have a very special place in my heart

You should never stop playing weddings. Love your instagram videos.

Love the story and the can-do attitude! I was thinking about purchasing my first rental property out of state too as getting into RE in CA is very difficult, but concerned about not having close oversight (even with property managers). I am glad it worked well for him!

@blucow6677

Жыл бұрын

I honestly don't see the need for a property manager for only one property though.

@berniegonzalez9939

Жыл бұрын

I feel the same way.

@tommyboy7427

Жыл бұрын

@@blucow6677 when you are 2,000 miles away it's a necessity

Props to this guy for winning in life! Congrats man!

$4-6K per wedding to play guitar for a few hours? Good for him but this industry is such a ripoff over here.

Marine Corp 🙌🏻 this guy is legit

good for him. but only 1 month from graduating. bad advice --dropping out of school. maybe it worked for him but not everyone can be a wedding guitarist.

@Vim_Tim

Жыл бұрын

Strong agree. Even if it’s not required, it’s objective negotiation leverage for any work-related situation.

Loved this story.. inspirational✨… and he lives in Orange County like me! 😀

Wow, he’s so inspiring!

After researching the history of great assets such as real estate, dividend-paying stocks, gold, oil, and other commodities, Ive come to the conclusion that most excellent assets never come down to the price you want to acquire them at. Simply get the ones you can afford right now.

@silogireca9648

Жыл бұрын

Assets that can make you rich Bitcoins Crypto Stocks Forex Real estate Gold

@kjordxsnews5887

Жыл бұрын

The way people talk about forex & crypto trading is profitable, please can someone help me on the right path

@Lucky-cm5dx

Жыл бұрын

All thanks to Expert Mrs Donna Axel. I now believe that forex trading is one of the fastest way to invest and make money online, it is really a life changer.

@gassining5455

Жыл бұрын

Adequate mentorship is the key to succeed in stock market. I've made over $120k ever since I started following her recommendations

@change3329

Жыл бұрын

Even the blind can see people becoming millionaires through crypto. You can retire on $250,000 and earn more than double of that amount a year trading cryptocurrencies.

That’s insane money. This guy is the 1%. He’ll be over $500k in a few years

Awesome job Moses, God bless you ! :)

What would be really helpful is for these videos to calculate take home pay post taxes. If you’re living in Cali you will take home a much smaller percent of income vs FL. Similarly if you have a business you take home more vs a salary. That definitely impacts how much the money will seem to be

@kgal1298

Жыл бұрын

I can tell you now he’s 1099 or had an LLC I bet he’s taking home more than people think 😂

@Moseslinmusic

Жыл бұрын

Hey guys! Thanks for listening to my story :) I'd love to shed some light on this in the spirit of transparency. The beauty of real estate is the massive tax deductions. For example, if my real estate company (LLC) makes 50k in rental income, but spend 100k purchasing/renovating a new property, I "lost money" on paper. That loss can be deducted from my personal taxable income from my music company LLC. So i believe my effective tax rate last year was around 10%

Great video! glad to see he’s not a finance guru on youtube

@Moseslinmusic

Жыл бұрын

AHAHA I would never! Those guys are the worst lol

Where can i get access to that Rental property excel spreadsheet? Looking into investing and need a dynamic model for the underwriting

Very inspiring story!

Great story I hope his properties work out for him

That's honestly the goal and I'll make sure to not get discouraged by an eventual recession and keep grinding. I hope you will do the same !!

Great for him!!!

Thats awesome good for him!!!! Very smart and hard work!

What an amazing story!

i have a friend, an amateur comedian/actor, who also had the same motto about not having a backup plan. needless to say, it didn't work out for her. she's since gone back to school to study nursing.

This dude definitely has it figured out! 👌

@connie0613

Жыл бұрын

Agreee!!! And learning along the way like he said!!

Living the dream! God bless.

'I had addicted to weddings', hahaha, what a great statement

Wow what a great positive guy

What a motivational story!!!

Graham, Graham, Graham 🌟

Remarkable person reading this.. It’s going to get better; all it is a season of opportunity to grow and be better than before. Challenging times are meant to strengthen us, not to break us. Success doesn’t define to what happened to us; it is how we choose to deal with our circumstances. The more you grow and develop as an incredible person as you are, the more things will change for the better. Forgive more (for you), be grateful for even the smallest things (we have it way better than someone else), choose love over ego, choose humility over ego (humility is strength), and finally, invest into new skills so that your future self will thank you. Our lives will change forever the more we grow. Be thankful for the challenges for we know something greater is coming. Love you always - Nathalie ✨❤️

Rocking out in uniform, very cool!

Super happy for this guy. I pursued playing original music my whole life and never made much money. I never thought of doing weddings and playing an acoustic guitar and making $4-6000 each one.

I am curious to know if there is a way you can invest in shares of a real estate property without having to buy the entire property kind of like how you invest in a share for stocks.

What’s the name of the budget app he mentions in video?

wow good for him..i cant believe people are paying him 4-6k per wedding...you can get a DJ for $1-5k, but i guess some people prefer a solo musician. im just shocked he can charge that much and people are paying that lol..obviously much cheaper than a band though that $4900 a month on his primary residence though WTF. thats insane..he can afford it so hats off to him, but that seems insanely high to carry a monthly payment like that for decades. i would want a cheaper property or he could just rent someone for half that price in cali and save/invest the difference

@AoCabo

Жыл бұрын

Not every service provider is equal. I suspect that he's not only a very skilled musician, but also someone with strong people skills and a great personality, which are very important qualities for weddings. It's also about relationships and who you know when it comes to these entrepreneurial things

@noazucar519

Жыл бұрын

$4755 for a mortgage payment is not insane in my opinion. he can afford it, and he's not losing that money. 🤷‍♀ (unless his equity takes a nosedive or something.)

@ddavis8988

Жыл бұрын

My friend does something similar. People will pay for a luxury. 40 to 50 a year is a small number compared to minion weddings per a year. His clients are basically the 1% of the 1% getting married.

@freehypes

Жыл бұрын

@@noazucar519 I didnt say he's losing money (although yes he probably is..he could rent somewhere cheaper or buy a cheaper place with a lower monthly payment, and invest the difference in the stock market which would get higher returns over long term). im sure he has a very nice place in cali for $5k a month and he can afford it. it just seems overkill for one person if he doesnt even have a family in the house with him but to each their own...

@anoukc6928

Жыл бұрын

@@freehypes he is very young! He has plenty of time to start a family

No other investment vehicles instead of real estate? S&P 500 would give you the same returns with less work 🤷🏾‍♀️

@njrose1990

Жыл бұрын

He said his day to day doesn't involve real estate and that he has a property manager who does everything.

@mayloop123

Жыл бұрын

@@njrose1990 he has to find for the homes - that requires constant research. Meanwhile Roth, 401k, etc are done with auto pay

@wchan6755

Жыл бұрын

Lol I'm in both games and one gave me the ff not to work and to employ other ppl I'll let you guess which one it is.

@mikekelvinesguerra9418

Жыл бұрын

I think he is more into the liquidity of having monthly money from the rent he gets.

I want to make money too. Help me, how to do it 😭

WoW wish I would have known this!

Sharp young man

I'm a former gigging musician that's done a ton of weddings! Yes, it's fun, but it is work! You're playing people's most important day of the year. That's a lot of pressure! Never short your wedding musician. The saying "you get what you pay for" is a cliche for a reason. Pay your musicians!

$5,000 in housing and $0 in retirement, this is the kind of episode we need!

@christiansoto3469

Жыл бұрын

Lol did you completely forget about his real estate portfolio?

@Vim_Tim

Жыл бұрын

@@christiansoto3469 no sane financial expert would suggest that a real estate portfolio can act as a retirement plan.

@epicswirl

Жыл бұрын

@@Vim_Tim truth

@bryancolin870

Жыл бұрын

@@Vim_Tim That’s the traditional route. Which he clearly doesn’t want to follow.

@kristinrodriguezrealtordmv3434

Жыл бұрын

Real Estate can absolutely be a retirement vehicle and it also cash flows. You can sale and take the proceeds later on in life or live off of the cash flow and have minimum taxes. The more you know!

how does one get a property manager?

“175,000.. not including tips” IRS enters the chat.

how fun! 😃

Your story is super coool playing guitar for the military!!

Wow, I am a pastors kid too! Nice to know pk's out there.

Good for him pursuing his dream despite all odds! Especially since Asian Americans are traditionally not encouraged to pursue unconventional career routes because of the lack of security.

@jessedenver

Жыл бұрын

We’re not good looking enough to succeed in entertainment right

@BlowitAllUp

Жыл бұрын

@@jessedenver Most of us also lack people skills due to how were raised. We pretty much have to fight our parents and learn things on our own.

@jasonw9251

Жыл бұрын

@@jessedenver Huh?

This guy is smart. I really wish they would have gone over how the pandemic affected his business. That must have a dark spot for him. Maybe not. Maybe he pivoted. Would have been interesting to learn about either way.

@chltmdwp

Жыл бұрын

he has 4 properties, i'm sure he is okay even if his business failed. He can never be homeless.

LEGIT mad ups

How much this dude charge!? WTF? Whos paying 3500 dollars for a guitarist at their wedding wtf

@loicrose1826

Жыл бұрын

Exactly

@secullenable

Жыл бұрын

rich people

@PurpleFiiilth

Жыл бұрын

People who have money will spend more for the same thing because of the perception that its "better".

I respect his lifestyle but him acting like real estate is super easy while not making any profit is a little ironic… also a mistake to have no diversification at all, put some money in lower risk activities!

@LL-ex1gp

Жыл бұрын

He’s making the money in the long run not the short run. And will make way more than investing in stocks.

@Vim_Tim

Жыл бұрын

@@LL-ex1gp nothing is guaranteed: natural disasters, slow evictions, changes in property taxes, major changes in the local job market can all affect the ability to rent a unit profitably. The risks with stocks are at least more predictable and the fix is just time.

@Clint.Torres

Жыл бұрын

@@LL-ex1gp I agree, but not making money on the homes now means that what he is charging for rent is just covering enough to pay for repairs, the property manager, and the mortgage. He is either in the wrong area or not charging enough for rent to make money. Probably should’ve started without a property manager, eating all his profits with no way to check that what he’s being invoiced for is legit

Six figure income, musician, doesn't work that much, former Marine. He's a catch

@ozzy_fromhell

Жыл бұрын

I payed all my bells please stop haunting me

@eduardogarcia9793

Жыл бұрын

Always at parties.

@augustek5382

Жыл бұрын

I wasn't paying too much attention but they didn't mention if he is single or not.

@augustek5382

Жыл бұрын

@@eduardogarcia9793 😂😂😂