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

@deshosurrobinsonin9278

4 жыл бұрын

#Graham

@deshosurrobinsonin9278

4 жыл бұрын

#Grahamstephan

@pacwinds8221

4 жыл бұрын

yes finally! it felt like 80% was based in NYC. Don't sleep on popular millennial cities like Raleigh, Richmond, DC, Dallas, Provo, etc either.

@jayatidesai

4 жыл бұрын

Go global!

@noahtkoch

4 жыл бұрын

I would love to see some people in the major Canadian cities!

this is really one of the few realistic ones. we definitely need to see more from the under $100K crowd

@irisvargas2140

4 жыл бұрын

100% agree

@Emmyyyy1

3 жыл бұрын

I agree

@siphokazileratomalinga2969

3 жыл бұрын

The girl who earns USD210,000.00 per annum in NYC was also relatable. She showed that one doesn't have to live an expensive life just because they make money

@nikkiboucher8972

3 жыл бұрын

Let’s see more from the under $30k crowd

@thaanonymous776

3 жыл бұрын

If it’s possible, it’s realistic

No starbucks, no avocado toast, no cupcakes... Graham not gonna like this.

@JBoogie1977

4 жыл бұрын

Exactly. She seems to have her $hit together...

@jakes5530

4 жыл бұрын

And lots of savings in an Ally high interest saving account

@casimuir

4 жыл бұрын

Meta af

@bartoszskiba5442

4 жыл бұрын

I was about to say the same thing!!!

@jazzgabrielle

4 жыл бұрын

CNBC knows he's watching lmao

She's extremely fortunate to only be paying $950 in rent in Brooklyn.

@shakhryzhepov2808

4 жыл бұрын

She is renting just room, most likely

@kdilli6426

4 жыл бұрын

Yeah, she has at least one roommate

@sammitchell7310

4 жыл бұрын

Rush Rush she probably has a sugar daddy

@songanon

4 жыл бұрын

i was looking around actaully if you stay out of popular towns is very doable, something right off manhattan is only 1200 with a roommate , its very doable

@mirez210

4 жыл бұрын

Her phone bill is $40 😮😮

She’s very level headed for 23. If I was that savvy, I’d be further ahead in life. Lol 😂

@GoldenPrincess16

4 жыл бұрын

Same

@mustarsic

4 жыл бұрын

She's Asian. Culturally, she's very different in terms of thought.

@Essays4College

4 жыл бұрын

I was thinking the same thing. She has a good head on her shoulders!

@sneakerlove5313

4 жыл бұрын

Alanna Hodgson for real

@roosta_6963

4 жыл бұрын

Alanna Hodgson if I was like that at 23 we’d all have flying cars, free education, healthcare and school, renewable energy, all homeless will be cut in half( from the waist) by 2025

she can DEFINITELY make 100K by 30 in NYC! that was my goal & i achieved it! change jobs if you have to, and ASK for what you want (very important, especially for us women!)

@glorias.2930

4 жыл бұрын

Congrats Jess! If you don't mind me asking, what do you do for work?

@zyramus4386

4 жыл бұрын

Please tell me what job you have

@iChristianGurl

4 жыл бұрын

Jess's Couch what is your career path?

@jjones8826

4 жыл бұрын

@@iChristianGurl product development

@BoredBricks

4 жыл бұрын

I feel like even $100k in the city is nothing...

Props to her! She’s killing it at 23, she’s going to make well over $100,000 at 30!

@mth591

4 жыл бұрын

Amanda Walker I don’t think graphics designers make that much.Maybe 80k at most.

@fxg7942

4 жыл бұрын

Unless she is talented enough to be a Sr. Designer or Art Director.

@mikeock6825

4 жыл бұрын

50k is nothing in NY

@mypeteskimo5307

4 жыл бұрын

Unfortunately never She doesn’t invest....

@COVID--kf3tx

4 жыл бұрын

@@mypeteskimo5307 well she's only 23... she has time

She save 880 a month? Good girl

@marcelrodriguez2067

4 жыл бұрын

I make half of what she makes in nyc aswell and save more.

@jimthing

4 жыл бұрын

It is, but as she said, it's not just LONGTERM savings, but for travel, emergencies, bits of clothing and whatnot that one may need in future.

@twdjt6245

4 жыл бұрын

Marcel Rodriguez I’d put in more towards the debt repayment and save only 500 a month if it were me.....especially if she has reasonable job security.......it would help minimize interest paid in the end.

@hopeharris7389

4 жыл бұрын

Why not pay more on the student loans unless it's low interest?

@janmeyen8227

4 жыл бұрын

@Whiskey Earned I'd also question if they're including her employer's contributions to her retirement account in that. I often hear people folding the employer match for 401k's into the 50/30/20 rule. That said, yes, the lack of student debt is a big saver. Indescribable how much more that puts in your pocket in high cost areas

She's focused, realistic, and ambitious. The perfect recipe to her goals by age 30. I wish her the best of luck!

I love millenial money so much please do more of these!

@alfredoalcantar8691

4 жыл бұрын

Lila Prosser but the real struggle not the rich people 🤑

@ltlwatcher

4 жыл бұрын

Why is it Millennial Money when they feature a Gen Z? Guys, millenials have grown up.

@meowwe

4 жыл бұрын

She is not a millennial.she is a early gen.z

Woah I went to school with her

@fortitudeonten2492

3 жыл бұрын

Was she cool?

@AnActualWolf

3 жыл бұрын

Was she as insufferable then?

@LaSombraa

3 жыл бұрын

L I e s

@muffineyes

3 жыл бұрын

Did you smell her aura?

She sounds just like me when she said that she wanted to make over 100k. I live in New York too and I finally reached that goal through IT. It's definitely possible to hit the 100k mark before reaching 30 years old. She's really smart with her money and ambitious.

@KevtechITSupport

4 жыл бұрын

@Kay Flip depends where you live in NY and how you use your money.

@eiram31

4 жыл бұрын

@Kay Flip you have to be joking -if not, you need to specify what part of NYC because many places in NYC you can live beyond find with that amount especially as a single person.

@heatism

4 жыл бұрын

eiram31 he’s just trolling. He prolly is unemployed in his moms basement don’t even know where ny is. It’s all relative. Some people like this girl makes $50k and can save money while some people who live in same area with double the income are still heavily in debt.

@MattSezer

4 жыл бұрын

@Kay Flip The vast majority of people that live in NYC make well under $100k. The median income for an entire family is less than $60k.

@theendurance

4 жыл бұрын

Matt Sezer that’s because the vast majority of people in nyc are poor immigrants. There is virtually zero middle class due to high taxes and socialist policies. NYC is a city of extremes, extremely poor and extremely rich. The millionaires even out the average to around 60k

She seems frugal, down to earth and very honest person 😊

You are amazing Elena! I'm 24 and recently just landed my first job. I save about 2k a month. I'm single so its super easy for me to save. Would love to meet or find someone like Elena one day. haha

@funkymonk5344

4 жыл бұрын

You are Asian.

@JimBobe

4 жыл бұрын

Simp

@Talluwah

3 жыл бұрын

lol I do that while living with a dog and renting and car insurance

@Don-hc4gk

3 жыл бұрын

My boi shooting from outside the gym ⛹️‍♂️

@Syl182

3 жыл бұрын

Aww, that'sso sweet. She seems like a great Gal, reach out to her on Social media or something if she's on any SM platforms.

Wow she’s doing great for just 23 years old. I think I was making like 32k at the age after college

@itstatilol4392

4 жыл бұрын

MissPuglife it is good but working in NYC might be part of why her income is higher than average post-grads

@goldenxdiva6562

4 жыл бұрын

itstatilol nah, it’s definitely because of her degree in graphic design. I work in NYC and my first job it of college, I made about $38k and I worked in a big, well known media company. I was the HR Assistant/Receptionist

@buffycatnip

4 жыл бұрын

@@goldenxdiva6562 i live in the midwest where everything is considerably cheap and 38k a year is considered very very good money for starting out.

@goldenxdiva6562

4 жыл бұрын

Kylie Finstad i agree but you have to remember, she lives in nyc. the cost of living in brooklyn (which is a part of nyc) is way higher than living in the Midwest

@buffycatnip

4 жыл бұрын

Golden x Diva I know. I’m saying 37k is a lot of money in the Midwest where in nyc, it’s not that great money.

She knows her neighbors and bakes cakes with them! I think that’s incredibly sweet! That’s better then going to bars for drinks!

A 20$ tip on a 45 dollar tab? Servers must love you!

@jimindecarlo9356

4 жыл бұрын

naw man thats a rookie mistake. never go over 20 percent.

@kahlan6786

4 жыл бұрын

@@jimindecarlo9356 or you can be kind and do a higher tip :D

@jimindecarlo9356

4 жыл бұрын

@@kahlan6786 I guess I could if we werent all unemployed by the covid

@Kittie28

3 жыл бұрын

yeah I would tip $5

@anneliselim602

3 жыл бұрын

The tipping culture is just stupid. Only business owners benefit from it. Many countries don't tip. Make the employers pay fair wages

Am I the only one who mainly watches these to get insight into other peoples' lifestyles as opposed to just seeing their spending?

@lee_rayyy58

3 жыл бұрын

I do too

We have similar lifestyle. I live in NY Brooklyn. I think she can def achieve that 100k salary goal. She is very smart with her money at her age!!!

I think Graham finally found his match, no 19 cent coffee outburst needed.

@Prince-dz3fm

4 жыл бұрын

this was the 1st vid i stumbled upon for cnbc make it so i was so impressed on how she was doing😂

I have so much respect for this woman, especially because she's able to responsibly fit in donations on a budget. That's something I haven't really seen and would honestly like to incorporate more in my own budget. Thanks for being a role model and showing millennials in such a good light!

She actually seems really reasonable and smart. Not that much debt and a lot put into savings

This is probably the most sound one I've seen so far. Good job

she's 23 and she already knows the importance of budgeting, saving and working towards her goals. This lady will go far in life. Wonder if she ever came across Dave Ramsey to learn about all this.

@emilyau8023

10 ай бұрын

No, parents who learned financial literacy over time share that information to their kids. That's how money stays within the family name.

I graduated college 4 years ago and I love watching these videos. They are so informative

she seems super normal and down to earth, sounds like any of my friends.

She’s definitely on the right track. So happy to see young people with a good financial mindset

This video was really well time as I just graduated recently and its nice to see how others are handling their future. Thank you CNBC for making this content.

IMO, she should save a little less and pay off those student loans quicker. The faster she gets out of debt the better.

@DC-ee9de

4 жыл бұрын

tbf if she’s making more in interest than the student loan APR it’s probably more beneficial to make regular payments and invest the rest of her money

@kjjlskdjfljf

4 жыл бұрын

@@DC-ee9de the interest rates for student loans are 4-8%. Ally only pays 1.9%. The stock market is very unpredictable right now. she is pretty off paying all of the student loans and living completely debt free.

@jz4461

4 жыл бұрын

If the student loans are charging low interest regularly investing and building an emergency fund are both more important.

@bubbles1978

4 жыл бұрын

Herp Derp she is not saving log term, those savings are for travel, clothes, etc tc.. as it is stated there

@mfstarr1

4 жыл бұрын

King Pins she still said she had loans lol

Graham is going to be so happy! Ally account and picnics

@peteyification

4 жыл бұрын

They switched the title format back!

@alisonlaett9625

4 жыл бұрын

Who is Graham? This is the first video I've watched from this channel and sooo many comments have mentioned him

@euenfheiejrj

4 жыл бұрын

Cookie Monster graham Stephan. He does videos reacting to these millennial money videos

Tipping 44%...Boomers are so LIVID right now.

@heatism

4 жыл бұрын

Jovanny8Soccer I tip 10% cuz I don’t believe in subsidizing someone else’s employee’s salary

@TJ-oo5mx

4 жыл бұрын

@heatism The server chooses to work there (at that salary). And it's called kindness, and generosity

@SeanHeat

4 жыл бұрын

@@TJ-oo5mx one can simply hand out money to panhandlers on the freeway exits too....different kind of generosity.

@user-lt1jd1ye3v

4 жыл бұрын

You’re crazy. If you are eating out you are abiding by the system and under obligation to tip. If you don’t want to tip, make food at home. Otherwise the server is serving your table for free & you wouldn’t appreciate that at your job.

@sabersaw5611

4 жыл бұрын

@@user-lt1jd1ye3v I don't tips at my job :(

this is so encouraging to see - saving, paying off debt, living within her means !

Finally someone i can relate a little more to salary wise.

@Nikki-ks6wi

4 жыл бұрын

but the main affect is how much debt you have or don't for the amount you are able to afford

I’d like to see an educator and their salary and expenses!

I swear CNBC watches grahms videos and finds people that do things by his standards

@LivLivesLondon

4 жыл бұрын

People actually apply to them :D But yeah, Grahms reaction videos are key :D

@AskMiko

4 жыл бұрын

It would be interesting if CNBC did one on Graham!

@jessezong2507

4 жыл бұрын

@@AskMiko this aged well.

I love how honest and friendly she is!

GREAT Video! ! ! ! ! ! ! Thank you so much for sharing so many perspectives.

She’s doing great, kudos to her. I’d love to see an episode with someone with student loans and where the parents aren’t the ones paying who is managing it well also. 16k is super low. Granted she lives in NYC so it will take some time.

I applaud her tremendously for launching converge. When I left college I was completely lost. It’s an absolutely necessary resource for recent grads. She’s doing great already!

She’s so level headed and wise, bravo to her!

She’s so brilliantly grounded & adorable! 🙌🏻

Something something GRAHAM something 20 cent iced coffee something.

@niac9568

4 жыл бұрын

Stannis Baratheon Graham will have a lot of good things to say about this 23 yo. I’m sure she won’t allow her future fiancé to spend 40k on a ring

Graham is going to be proud of her!! Smart girl

This is one my favorites so far 👏🏾 reasonable budget and realistic salary

Graham won't see this as great finance advice material but he'll appreciate how she is handling her finances!! Nice job Elena--so level headed for 23!!

She is a SMART 23 years old . she is making good choices , she is on a good path.

After graduating from 4 yr college, I was doing temp office jobs initially, and later landed a permanent job pulling in only $24K/yr + annual bonus working at a finance co. in NYC. Needless to say, she is doing way better than me after college.

Great job, Elena! You're killing it! 👍

I think 23 in 2020 is considered gen Z

@whitneyallman8365

4 жыл бұрын

It is

Your very responsible! Keep doing what your doing!

I loveeee this episode! Please more videos like this! I’m currently on an aggressive debt payoff plan and my goal is to have a budget like hers especially for the savings! I live in NY and make a little more than her and this is so inspiring to be able to actually live in NYC, have a social life and save money is goals!

I like these series a lot.

This girl lives on my street 😳

@YoshiAmakusa

4 жыл бұрын

What size card board do y'all sleep on?

@tytube3001

4 жыл бұрын

She's fake she doesn't look like a Haskin

@zenplayss_

4 жыл бұрын

ela92600 Porter yes actually I live in a town house there are spaces upstairs available if you need info let me know

@mariahasmr9184

4 жыл бұрын

@@zenplayss_ whats it called not. a stalker just looking for affordable apartment in nyc lol

@zenplayss_

4 жыл бұрын

Amakusa Yoshi actually Jones here aren’t as small as it seems . My place is pretty spacious and have high ceilings

Wow! $950 is pretty good for (I believe) Bushwick in Brooklyn! Probably have roommates though...

The most realistic budget and lifestyle ever seen on this channel history!!!

I make just starting 6 figure income & my rent is $985 in Buffalo, NY. People should move out of costly cities. I used to stay in MA state, my rent was $1700 excluding utilities. Asked my company to allow me to work from home. Moved to Buffalo, Ny. Saving $700 on rent.

It seems like she's subscribed to Graham...... she even mentioned robinhood.. Graham is gonna cry while watching this millenial money...

I used to like coming to the comments on these types of videos. Not so much now because I already know what they're going to say 🤣🙄

@Contra010

4 жыл бұрын

It's even more annoying now cause they keep talking about Graham

@nicolesmith9140

4 жыл бұрын

Exactly!! I watch some of his videos but this is getting ridiculous 🤣

@184rama

4 жыл бұрын

I like his channel but as always the viewers seem to be the ones making things annoying. Some of them are disappointed that she is not a person who blows their money on crap all because Graham won't have a lot to criticize, therefore his react won't be entertaining

@LaCaroll

4 жыл бұрын

I am so relieved someone said it. I used to watch millennial money type of videos to put some things in perspective and give me ideas. But it is not the same anymore with these comments. So sad there is only one perspective now...

@MrDaBears83

4 жыл бұрын

Some person, graham

Graphic design is so cool! I love these kinds of careers

please do more of these!

This is me. I made 57k last year at 23, and I also live in Brooklyn

@emilyau8023

10 ай бұрын

Also me at 63k at 23

Could someone drop the details of her side hustles? I wanna support her!

This has been a very helpful episode. I am wondering if you have plans to make one on Vancouver, Canada with their crazy rent and phone bills.

She’s so level headed🙌🏾💜

Her electricity and water bill is so low! $50 a month including wifi. Good on her for keeping her carbon output low.

@giranelly7585

4 жыл бұрын

Lots of people do not pay for water in nyc

We'll see what graham has to say about this 🤔

@elizak449

4 жыл бұрын

She does alright I think. But Graham will find something ;)

@ashleyrahn2776

4 жыл бұрын

Eliza K He night tell her to cut her food budget a bit and invest more otherwise I don’t really see anything he would complain about...

Rent prices in New York is no joke! But, I do love New York. Great city. Electric.

Good job young lady. Your parents did a phenomenal job. Best of luck to you and your endeavors. I have a feeling we will be seeing more of you in the future...I’m predicting Forbes 🤗

Graham won’t like this one cause she’s doing everything right! Jk 🤣 what an awesome story!!!

She’s actually lucky she got right out of college into a career she had a scholarship and said her parents helps her pay the little student loans she does have she makes a salary she doesn’t have to live paycheck to paycheck like most ppl who get out of college do and don’t get jobs right away

Fave most realistic one of all. Please more like this! More average income earners as that is most of us

This person here. We love this person.

Best millennial money!

I love that she seems to have Mindy Kaling on her wall!

Wow she sounds like she is actually doing a great job. Good for her. Love her picnic idea and her homemade cake! With her attitude she will be financially independent in no time.

Wow. That's so interesting. I feel it's not about how much you earn but how you spend that matters and she's quite good at it!!

She is super smart and focused for a 23 year old. I like how she is cutting down on make up, that actually saves up a lot of money. :P

A breath of fresh air after all those videos of 25 yr olds earning $205k.

She definitely seems like she's going to be very successful in life. I hope that when my time to enter the real world comes, I am as competent and forward thinking as she is.

She is such a down to earth woman, I love her. Great example

I can't wait to be on this lol. I'm not ready now but soon.

Graham will definitely comment on her "miscellaneous" expenses lol

I LOVE this girl! I totally wish I started saving so much when I was this young. She will def have a bright future 😊

You have a good head on your shoulders I have no doubt you will reach your goals. Good Luck.

I need to meet this girl!

Calling in Graham to make a reaction video and then I’ll watch lol

@NPJGlobal

4 жыл бұрын

who's Graham?

02:37 $20 tip on a $45 bill, that's too generous for someone trying to get by. I don't know if that receipt shot is from New York because it says CA 91302.

A 1 bedroom apartment in NYC goes for atleast $1600. So anything lower you are renting a room.

Grahm is going to love this !

When she said percentage and savings you know graham was like I found my soulmate lol

this women is so good with her finance Graham would have tough time criticizing her

3:37 thought I heard “if I get a pancreas..” lmao

Graham let’s go

She'a a millennial? I would think at her age (23) she'd be considered Gen Z. CNBC, it's okay to acknowledge that time has passed and that Millennials are getting older.

@anoukc6928

4 жыл бұрын

Sela Lewis true. Millenials are now older. I’m 40 and I’m a millennial

She is very inspiring 😍

wow, a responsible young adult....who knew! Good job!

They literally showed her roommate in the video yet people keep questioning how she found an apartment for only $950.

@eliossgouros4678

4 жыл бұрын

That's further into the video than most people watched

I love the fact that all the comments are about Graham

She has a monthly budget for donation...wow hats off to her

She’s more realistic w her spending. Good for her!