Living Together On $200K A Year In San Francisco | Millennial Money

Rachel Shinto and Scott Johnston earn a combined income of $200,000 in San Francisco. Here's how they split finances as a couple, save for the future and live comfortably in an expensive city.
Read more about Rachel and Scott’s budget breakdown: cnb.cx/2LRPuuf
This is the latest installment of Millennial Money, which profiles people across the U.S. and details how they earn and spend their money.
San Francisco residents Rachel Shinto and Scott Johnston, both 28, may live in the most expensive city in the U.S., but they're still able to save money, invest for the future and enjoy their lives.
"I literally feel energy when I come into the city," Shinto says. "I think it's a magical place where you can make anything happen if you want to."
The couple, who got engaged earlier this year, share a one-bedroom apartment in Diamond Heights, a San Francisco neighborhood, and earn a combined $200,000 per year. They agree that they're able to live well. After living on $300 per month while in the Peace Corps, Shinto says dealing with San Francisco prices is easy: "I'm living my dream life right now."
Johnston acknowledges that they're lucky to earn as much as they do. "We've never had to worry, but we do make a fairly comfortable salary," he says.
Because Johnston earns more, he pays more in rent and covers the utilities, but the couple typically split expenses evenly. "I don't think we've ever fought about money yet," Johnston says. "There's nothing to hide - we're open about it."
The couple plan to get married in 2020 and pay for the wedding using their savings. They're budgeting around $40,000 for the event. Long-term, Johnston hopes to be financially independent by 40 and start a real estate company with friends. Shinto plans to continue working until she's 62 so that she'll receive her full retirement benefits. But she doesn't mind: "I love my job and I believe in public service."
Despite their varying retirement aspirations, they're still partners in their finances. "Now that we're engaged, my money is her money, the way I see it," Johnston says. "We're going towards the same goal."
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Living Together On $200K A Year In San Francisco | Millennial Money

Пікірлер: 879

  • @CNBCMakeIt
    @CNBCMakeIt4 жыл бұрын

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

  • @amylieu6084

    @amylieu6084

    4 жыл бұрын

    I make 500 dollars a month and I spend 450 on crack and 50 dollars on my rent. Thank u taxpayers!!!!!!!!!!!!

  • @LaidbackLuc9

    @LaidbackLuc9

    4 жыл бұрын

    Couple, 29/28 y/o, 100k (30% savings rate), 1200/month in rent, Amsterdam, Netherlands

  • @kellz6266

    @kellz6266

    4 жыл бұрын

    budget breakdown? you just posted a video about why you DON'T need to budget. which is it, cnbc?!!

  • @tessietacorda6611

    @tessietacorda6611

    4 жыл бұрын

    GOD BLESS .. be grateful ... there is a lot of people with not much to eat and no much to clothes their body .... be happy ....

  • @ryanortiz5553

    @ryanortiz5553

    4 жыл бұрын

    amy lieu Good job!! One day u will be wealthy! Don’t quit on your dreams 😂🤣🤣

  • @Mattypri27328
    @Mattypri273284 жыл бұрын

    CNBC needs to get a millennial who spends 10% of their budget on iced coffee. The goal of this show should be to give Graham a heart attack.

  • @rgunitx

    @rgunitx

    4 жыл бұрын

    😂

  • @hubert187

    @hubert187

    4 жыл бұрын

    Lmao

  • @hayati6374

    @hayati6374

    4 жыл бұрын

    Just making and drinking 20 cents iced coffee that makes up 10% of their income will give them a heart attack

  • @amylieu6084

    @amylieu6084

    4 жыл бұрын

    I spend my 10 percent on Avocado toast

  • @amylieu6084

    @amylieu6084

    4 жыл бұрын

    Thumbs up if you love avocados!

  • @tendrams
    @tendrams4 жыл бұрын

    "Being homeless in Panama prepared me for living in San Francisco" LOL!

  • @georgechukhriy5233

    @georgechukhriy5233

    4 жыл бұрын

    lmao. almost spilled my coffee

  • @blakeaaron5698

    @blakeaaron5698

    4 жыл бұрын

    Yea, I caught that too lol

  • @Weredawg

    @Weredawg

    3 жыл бұрын

    I grew up really poor in Panama, maybe that's why I did so well in San Francisco too. Have since moved to Charlotte, way more affordable place

  • @johnfrench6564

    @johnfrench6564

    2 жыл бұрын

    @@Weredawg yeah Cali is out of control

  • @truthalonetriumphs6572

    @truthalonetriumphs6572

    2 жыл бұрын

    The jealous, trolling videos on SF, hoping for a way to get back in.

  • @Arvabelle
    @Arvabelle4 жыл бұрын

    Half of the comments on this video are about Graham and I'm here for it 😂

  • @10ksubsnovids71

    @10ksubsnovids71

    4 жыл бұрын

    Arvabelle same 😂

  • @HiJean

    @HiJean

    4 жыл бұрын

    True

  • @markesblack

    @markesblack

    4 жыл бұрын

    Lol. This is crazy.

  • @gwimmer98

    @gwimmer98

    4 жыл бұрын

    I just came from the interview where he speaks to the couple and they mentioned that half the comments here are about him. Just here for that. CNBC should pay him for the views

  • @TheDowntown02

    @TheDowntown02

    4 жыл бұрын

    @@gwimmer98 Who's Graham?

  • @jamescollins2638
    @jamescollins26382 жыл бұрын

    He saved 100k in three years in San Francisco as an accountant. That is a huge accomplishment.

  • @DanielIles
    @DanielIles4 жыл бұрын

    *They are finally fighting back against Graham’s disapproval*

  • @davidmichaelson5452

    @davidmichaelson5452

    4 жыл бұрын

    won't be pleased by them spending 40k on their wedding from saving though

  • @seanb7443

    @seanb7443

    4 жыл бұрын

    @@pragyamtiwari lol!!!!!!!!!!!!

  • @kirkatia98

    @kirkatia98

    4 жыл бұрын

    Ayyy, another Grahamer! I wanted to see the source material for myself

  • @Mr.Pop0

    @Mr.Pop0

    4 жыл бұрын

    Who?

  • @sharenc1536

    @sharenc1536

    4 жыл бұрын

    Who is ghram

  • @ANonyMouse627
    @ANonyMouse6274 жыл бұрын

    This is probably the most financially solvent people featured on CNBC Millenial Money

  • @factsverse9957

    @factsverse9957

    4 жыл бұрын

    This couple is going to be worry-free about money. Good projections for the both of them!

  • @Ndasuunye

    @Ndasuunye

    4 жыл бұрын

    but they ruined it by not having a savings account. I.E., no emergency funds. Right back to square zero. NO min $1K emergency fund.

  • @ANonyMouse627

    @ANonyMouse627

    4 жыл бұрын

    @@Ndasuunye hmm. maybe some of the safer investment portfolios could be liquid, like easy to withdraw

  • @AlexSanchez2254

    @AlexSanchez2254

    4 жыл бұрын

    Until I’m on the show...

  • @itstatilol4392

    @itstatilol4392

    4 жыл бұрын

    The Uber Successful I think that if they’re planning to pull $40k out of savings for their wedding they must have some bonds that they could easily sell or some stock positions that won’t be hard to get out of in a pinch

  • @goodenergi
    @goodenergi4 жыл бұрын

    Ugh cnbc we want more drama. Do it for the Graham!!

  • @phoebeyang8134

    @phoebeyang8134

    4 жыл бұрын

    This comment is gold. Thumbs up is not enough.

  • @amylieu6084

    @amylieu6084

    4 жыл бұрын

    Graham is racist honey lol

  • @tc3800

    @tc3800

    4 жыл бұрын

    @@amylieu6084 how is he racist?

  • @amylieu6084

    @amylieu6084

    4 жыл бұрын

    @@pragyamtiwari its because his followers spam cnbc. That's nothing to be proud of lol.

  • @clarissagarza

    @clarissagarza

    4 жыл бұрын

    @@amylieu6084 how is that racist???

  • @devchatterjee9642
    @devchatterjee96424 жыл бұрын

    Graham is actually I think gonna like this. THey are doing amazing with saving in the bay area.

  • @franknills9879

    @franknills9879

    4 жыл бұрын

    With $680 in monthly debt repayment... I don't think Graham is gonna like THAT!

  • @MissMBA

    @MissMBA

    4 жыл бұрын

    Won't like the eating out budget. And might not love that they do not have a high interest savings account.

  • @devchatterjee9642

    @devchatterjee9642

    4 жыл бұрын

    Can’t win em all

  • @edwardg6206

    @edwardg6206

    4 жыл бұрын

    It’s pronounced... Grayham 😤

  • @kumar01234

    @kumar01234

    4 жыл бұрын

    They don't have a savings account

  • @FakeAndTrolled
    @FakeAndTrolled4 жыл бұрын

    "My money is her money..." My man is living on borrowed time

  • @Doors067

    @Doors067

    4 жыл бұрын

    Hahaha i love the truth (-: honeymoon phaseee

  • @TechVHD

    @TechVHD

    4 жыл бұрын

    What is borrowed time

  • @asadb1990

    @asadb1990

    4 жыл бұрын

    why thats how couples should live. just make sure you are both on the same page from the onset. if you are on opposite spectrums, its never gonna work.

  • @koalabear206

    @koalabear206

    4 жыл бұрын

    Dude better never lose that job or make less than her; cause her money definitely ain't your money

  • @asadb1990

    @asadb1990

    4 жыл бұрын

    @@koalabear206 dude you need to realize intelligent women want an independent hard working individual. no one marries for simply love anymore.

  • @Jam-tr1ny
    @Jam-tr1ny4 жыл бұрын

    I like how the girl said up front that she loves her job, you go gal.

  • @dreamchasser3043
    @dreamchasser30434 жыл бұрын

    look at her face when he said he going to live off her benefits 2:31 😂😂😂😂😂

  • @jakobsante2060

    @jakobsante2060

    4 жыл бұрын

    Searched through the comments to find calling this out! Hilarious!

  • @xLiLtEmPeR

    @xLiLtEmPeR

    4 жыл бұрын

    She was like "um, not me. No pls. Then faked a Uhm 'yeah'

  • @JayLawson

    @JayLawson

    4 жыл бұрын

    I noticed that too. That's very telling.

  • @danielb3863

    @danielb3863

    4 жыл бұрын

    Jay Lawson Starter marriage

  • @jason3575

    @jason3575

    4 жыл бұрын

    John Doe yup and she doesn’t mind him paying more of the rent cuz he makes more.

  • @jasperdilincoln2341
    @jasperdilincoln23414 жыл бұрын

    She said living in San Francisco she feels energy. Yeah it's the energy of the city sucking the finances out of everyone's income 😆

  • @jaqui1401

    @jaqui1401

    3 жыл бұрын

    This is such a gentrifier thing to say lol... the teal energy of san francisco is the culture from the people that are slowly getting displaced from there. That energy cannot be replicated by them and its being replaced

  • @NamirRivera

    @NamirRivera

    2 жыл бұрын

    And the 5g!

  • @brooke8888

    @brooke8888

    2 жыл бұрын

    And the homeless on opiod giving you the scare of your life. That's the adrenaline rush she's feeling. lol

  • @truthalonetriumphs6572

    @truthalonetriumphs6572

    2 жыл бұрын

    The jealous, trolling videos on SF and hoping they can get in here. Else, why would they watch?

  • @mocheen4837

    @mocheen4837

    2 жыл бұрын

    $200,000 in SF is barely getting by.

  • @ninjanerdstudent6937
    @ninjanerdstudent69374 жыл бұрын

    CNBC Make It: What it’s like to live in San Francisco while earning $200,000. Me: It must be awesome.

  • @suaveclt

    @suaveclt

    4 жыл бұрын

    Whole Food Plant-Based Man $200,000 in San Francisco isn’t a lot for two people

  • @BasharAlkhalili

    @BasharAlkhalili

    4 жыл бұрын

    @@suaveclt But they're able to save $5,500 a month, and repay their past debt. That's really impressive! See their expense breakdown kzread.info/dash/bejne/npt8wc-OhLbOpLA.html

  • @stevenpadilla4294

    @stevenpadilla4294

    4 жыл бұрын

    200k aint much. Do you even qualify for a home loan?

  • @smileyfaceHi545

    @smileyfaceHi545

    4 жыл бұрын

    ​@@suaveclt $200,000 in San Francisco isn't a lot for two "dumb" people or people who want to live a more extravagant lifestyle. I lived in SF my whole life, went to public school and had many friends in families that make

  • @Robertodb2012

    @Robertodb2012

    4 жыл бұрын

    After my last visit to San Fran I can confirm there is no way I could live a good quality of life on 200k, you're poor on 200k in SF.

  • @prettyricky2001
    @prettyricky20014 жыл бұрын

    "My money is her money". The last great words

  • @Stephen981cs

    @Stephen981cs

    4 жыл бұрын

    prettyricky2001 but they later say that they won’t have a joint account Hahaa.

  • @FakeAndTrolled

    @FakeAndTrolled

    4 жыл бұрын

    She's still gonna get at least half of his retirement account. I thought accountants were known for making sound financial decisions.

  • @jarvisaddison8560

    @jarvisaddison8560

    4 жыл бұрын

    Yeah i seen that too! Ole boy is a SIMP

  • @Stephen981cs

    @Stephen981cs

    4 жыл бұрын

    FakeAndTrolled she’s the one with the government pension. He said he’s gonna be living off of her retirement.

  • @final3119

    @final3119

    4 жыл бұрын

    @@Stephen981cs Nah she's gonna dump him before that happens.

  • @jakelaxton7869
    @jakelaxton78694 жыл бұрын

    Graham needs people that don’t understand money to make good reaction videos. GIVE US MORE PEOPLE THAT AREN’T GOOD WITH MONEY CNBC!!!!

  • @jalabi99
    @jalabi994 жыл бұрын

    Getting my 20-cent iced coffee and avocado toast ready for Graham's reaction.

  • @amylieu6084

    @amylieu6084

    4 жыл бұрын

    Graham and his cronies are spamming this channel. You lemmings should stay out.

  • @elexust730

    @elexust730

    4 жыл бұрын

    amy lieu chill my brother

  • @amylieu6084

    @amylieu6084

    4 жыл бұрын

    @@elexust730 no.

  • @elexust730

    @elexust730

    4 жыл бұрын

    ☹️

  • @amylieu6084

    @amylieu6084

    4 жыл бұрын

    @@elexust730 dont make that face at me!

  • @nickdimas4091
    @nickdimas40914 жыл бұрын

    This was kinda awkward to watch lol 😅

  • @RoyLGamer
    @RoyLGamer4 жыл бұрын

    Graham is gonna smash the like button so hard for this one.

  • @chachingfm
    @chachingfm4 жыл бұрын

    How did those two ever meet because they’re like polar opposite‘s

  • @Striker50_

    @Striker50_

    4 жыл бұрын

    She probably found out what he did, San Francisco is really expensive, and so she clinged on for financial security otherwise she wouldn't afford to live in The City.

  • @mikeb4471

    @mikeb4471

    3 жыл бұрын

    @@Striker50_ doing that as a man is impossible unless you want a very unattractive woman lmao.

  • @Myview246

    @Myview246

    2 жыл бұрын

    @@Striker50_ more like they met online, he saw she was pretty and instantly fell in love.

  • @Striker50_

    @Striker50_

    2 жыл бұрын

    @@Myview246 Money talks in San Francisco and there is a huge shortage of straight men with college degrees in The City compared to women. Read Dateonomics. Women only date up to their education, or higher

  • @MrJbuzz19

    @MrJbuzz19

    Жыл бұрын

    @@Myview246 she’s not that pretty

  • @jgarrett4545
    @jgarrett45454 жыл бұрын

    finally a couple and not just a single person on a single income!

  • @topcomment3816
    @topcomment38164 жыл бұрын

    1:10 Now THAT is how you save money. Smart couple. They will be very wealthy.

  • @topcomment3816

    @topcomment3816

    4 жыл бұрын

    Ethan Lee Ethan Lee Wow Ethan! Such brilliant insight! Time to start your own KZread channel to share your wisdom. Here are some other video topics for you: -Just because you speed, that doesn’t mean you will necessarily get a ticket. -Just because you lose weight, that doesn’t mean you won’t gain it back. -Just because you go college, that doesn’t mean you will get a high paying job. These are just a few ideas for you. I’ll try to think of some more. I’m going to subscribe right now.

  • @RofuRofu22

    @RofuRofu22

    4 жыл бұрын

    Top Comment I love how you shut him down💀💀 Mary Me!🙄😳✋

  • @topcomment3816

    @topcomment3816

    4 жыл бұрын

    ItzVince:P 😂

  • @JohnLee-fr6pi

    @JohnLee-fr6pi

    4 жыл бұрын

    Lol the video was good until the end - "less than 40k on the wedding" Let's all take a guess on which one of them wanted to spend so much "on experiences".

  • @Kloutkulture

    @Kloutkulture

    4 жыл бұрын

    Top Comment you're hilarious 😭😭😭😭😭

  • @marce_sfc
    @marce_sfc4 жыл бұрын

    I’m born and raised in SF and I always find it funny how the people that make the most off of this city are the ones that are worried about being “poor” or take part in “the struggle”. Just ridiculous 🤦🏻‍♀️

  • @OSP715
    @OSP7154 жыл бұрын

    Ohhh..!! 😼 My Husband and I can't wait to watch Graham react to this video. MILLENNIAL MONEY!!!

  • @Est_Ricky
    @Est_Ricky4 жыл бұрын

    I just realised these videos will be amazing to look back in 50 or some years and should be shown in history classes or econ classes.

  • @AsishChakrapani
    @AsishChakrapani4 жыл бұрын

    Oh man.. Can't get outraged Graham with this video

  • @BagsNBaguettes_327
    @BagsNBaguettes_3274 жыл бұрын

    $40k on a wedding? No thanks. My husband and I just cash flowed ours and spent about $25k, if I can go back, I would cut the list back by 10 people :)

  • @chevo990

    @chevo990

    4 жыл бұрын

    Lol, I would just go to city hall, pay the $100 fee and go on vacation.

  • @TivoKenevil

    @TivoKenevil

    4 жыл бұрын

    25K you still spent more than most. I spent 7k!

  • @jdlc903

    @jdlc903

    4 жыл бұрын

    25k is a lot for a wedding

  • @savannahhearitt6774
    @savannahhearitt67744 жыл бұрын

    Idk @ Graham Stephan this one is pretty good

  • @sznosrs5045
    @sznosrs50454 жыл бұрын

    Theyre the perfect couple, doing investments and savings, they'll be okay

  • @DietBajaBlast

    @DietBajaBlast

    4 жыл бұрын

    they're not perfect. they have car debt and don't seem to have anything in common and have different long term goals.

  • @JohnLee-fr6pi

    @JohnLee-fr6pi

    4 жыл бұрын

    Lol the video was good until the end - "less than 40k on the wedding" Let's all take a guess on which one of them wanted to spend so much "on experiences".

  • @sznosrs5045

    @sznosrs5045

    4 жыл бұрын

    @@JohnLee-fr6pi well I wouldnt say car debt is bad, possibly they purchased a great car on low rate due to having something reliable.

  • @JohnLee-fr6pi

    @JohnLee-fr6pi

    4 жыл бұрын

    @@sznosrs5045 wut

  • @sznosrs5045

    @sznosrs5045

    4 жыл бұрын

    to repeat myself, they possibly got a car at the cost of debt for possibly a great ARP rate at 3% or so & also wanted to buy new rather than used to have something reliable.

  • @Beloved_Boahemaah
    @Beloved_Boahemaah4 жыл бұрын

    "It's been great being with an accountant who knows how to budget for everything and has a hold on what we're spending..." Me sitting here as an accounting student: They teach that? Never heard of it. Maybe I'll learn it in grad school or while studying for the CPA exam😂😂😂😂

  • @infini.tesimo
    @infini.tesimo4 жыл бұрын

    Let's see Graham react to this! He's going looooove hearing a financial guy is in on this.

  • @LifeinGlow
    @LifeinGlow3 жыл бұрын

    Interesting video! Love this series and great visual effects, it helps to process information.

  • @jakevb141
    @jakevb1414 жыл бұрын

    Hes frugal she likes to spend. He wants to retire early, she wants to work till 60. Oh boy

  • @VS666

    @VS666

    4 жыл бұрын

    yeah i give them about 10 years, then he will lose half of everything in a divorce despite being frugal the entire time. only then will he hit rock bottom and be able to embrace the doomer lifestyle

  • @RK-ve4xp

    @RK-ve4xp

    4 жыл бұрын

    @@VS666 Exactly. This relationship will not last more than 10 years. And his savings will be gone.

  • @josefigueroa1419

    @josefigueroa1419

    4 жыл бұрын

    Yup, she started off with how much she loves living in SF. Going to have issues if/when they have kids. Guarantee he’s going to want to move out to the suburbs, she’s going to want to raise them in the city. Cut to him having the kids on the weekends in Orinda while she’s dating her yoga instructor

  • @gabriellejones6451

    @gabriellejones6451

    3 жыл бұрын

    Yea...plus engaged is not being married...jus saying .some people are engaged for 10 years...

  • @josanrishi
    @josanrishi4 жыл бұрын

    2:41 her expression was that of concern lol. Don't think she likes the idea of spending her "back end" money :D

  • @VanyaBoston

    @VanyaBoston

    4 жыл бұрын

    josanrishi back end, as in the benefits

  • @eugenia_RN23
    @eugenia_RN234 жыл бұрын

    yup, Graham will like you, Scott!

  • @NotxSplayd
    @NotxSplayd4 жыл бұрын

    CNBC got tired of Graham roasting these millennials lol

  • @Doors067
    @Doors0674 жыл бұрын

    Him "im going to retire off your benefits" Her: wait but my plan was to divorce you for alimony.... are we both evil???

  • @andreaw357

    @andreaw357

    2 жыл бұрын

    Rotfl

  • @PrideMabunda
    @PrideMabunda4 жыл бұрын

    Graham will love this i don't think he will complain about anything here

  • @Daniel_Capital
    @Daniel_Capital4 жыл бұрын

    I wish the best for them. But I fear that when he retires at 40 and she is working full time until 62, it will put a tremendous strain on the marriage

  • @lavinder11

    @lavinder11

    3 жыл бұрын

    He's not retiring at 40.

  • @factsverse9957
    @factsverse99574 жыл бұрын

    I feel so calm after watching this video. They're good with money and what they know suffices. They are able to handle the truth and they won't be threatened by divorce because of financial reasons. I hope their marriage goes well until its end.

  • @KoiAquaponics
    @KoiAquaponics4 жыл бұрын

    So husband makes about $150k and wife makes the other $50k.

  • @theilliad4298

    @theilliad4298

    4 жыл бұрын

    Wang Hung pretty much

  • @jjk4891

    @jjk4891

    4 жыл бұрын

    But she is in the government sector. Like he said, he will be benefitting from her pension later in life.

  • @INNIMA

    @INNIMA

    4 жыл бұрын

    Ji-Eun Kim no you got it twisted, she will be benefiting from half his income in the future and he’ll be forced to work agian with his real estate dreams down the pooper

  • @Striker50_

    @Striker50_

    4 жыл бұрын

    @@jjk4891 He said it as a joke. He'll be WAY more set than she is by far. My man already has a vision to retire by 40 and get in real estate. She just goes with the flow and depends on the government.

  • @rebeccaw9249
    @rebeccaw92494 жыл бұрын

    Finally!! Someone who good with money 😂 But I wonder how Graham react

  • @NuanceBro
    @NuanceBro4 жыл бұрын

    Graham will be pleased

  • @patrickmedvitz6606
    @patrickmedvitz66064 жыл бұрын

    Love how all the comments are about Graham reacting to this

  • @jgarrett4545
    @jgarrett45454 жыл бұрын

    Graham and this couple might become friends!

  • @WealthbuilderzTV
    @WealthbuilderzTV4 жыл бұрын

    He definitely stated he makes more money then her a couple times. He made sure we understand that.

  • @ANonyMouse627

    @ANonyMouse627

    4 жыл бұрын

    I wonder how much more.... it's interesting that they still split the rent pretty evenly. She pays $1200, and he pays $1440.

  • @stephandden
    @stephandden4 жыл бұрын

    Great video! They are clearly on top of things ✨

  • @luvtotrade2009
    @luvtotrade20094 жыл бұрын

    A smarter move would be to spend less than $10,000 on your wedding

  • @DailyCOD4
    @DailyCOD44 жыл бұрын

    3:03 Graham Stephan has entered the chat

  • @helladiarrhea

    @helladiarrhea

    4 жыл бұрын

    Shea Nolan 😂

  • @itsELL24

    @itsELL24

    4 жыл бұрын

    Lmfao

  • @MrHhussein
    @MrHhussein4 жыл бұрын

    I don't even watch these anymore because Graham's reactions are better

  • @meaghanwood1844
    @meaghanwood18444 жыл бұрын

    I love these videos!!

  • @Boltazzes
    @Boltazzes4 жыл бұрын

    They should do one on Graham.

  • @mariananevesl1023
    @mariananevesl10234 жыл бұрын

    Graham will be so proud with the credit card stack this guys has!

  • @deliadevin9550

    @deliadevin9550

    4 жыл бұрын

    Plot twist: guy watches Graham's credit card videos

  • @mariananevesl1023

    @mariananevesl1023

    4 жыл бұрын

    delia devin probably! I wouldn’t be surprised

  • @gustavotorres3388
    @gustavotorres33884 жыл бұрын

    I think Graham will be pleased. Just look at all those credit cards!

  • @sofiali9416
    @sofiali94164 жыл бұрын

    How quickly will graham make a video?

  • @amarbaha
    @amarbaha2 жыл бұрын

    Super couple, wish you all the luck with your futures. Very competent and balanced.

  • @SK-mr6ov
    @SK-mr6ov4 жыл бұрын

    “I make more” on repeat lmao

  • @christinenicholls07
    @christinenicholls072 жыл бұрын

    Adorable dog! Happy for you!

  • @engineered-mind
    @engineered-mind2 жыл бұрын

    Why did my heart drop when she said she was a USCIS officer - I think as an engineer/project manager making 220k/yr in Houston I have PTSD from my US immigration process!

  • @andrewzhao1553
    @andrewzhao15534 жыл бұрын

    Lol this is my good friend. Good stuff Scott and Rachel!

  • @solidstream13
    @solidstream134 жыл бұрын

    This couple has it figured out. Great job

  • @amdog5055
    @amdog50552 жыл бұрын

    I like her look of concern when he said he was was going to live off her government money lol

  • @amdog5055

    @amdog5055

    2 жыл бұрын

    @@vanessaattah2802 do you think they’re going to stay together till then lol, because her face said NO!

  • @jacchevr
    @jacchevr4 жыл бұрын

    Excited to see Graham’s video on this!

  • @andyquanzhou
    @andyquanzhou4 жыл бұрын

    Guaranteed that Graham is currently watching and sipping his 20 cent coffee right now

  • @kylejohnson9298
    @kylejohnson92983 жыл бұрын

    Hi Lauren!. It's Kyle. Not sure if you remember me but I went to undergrad with you at Santa Cruz at College 8. Glad to know you're doing well and congratulations. My wife and I got married last year as well and live in SF as well. Stay safe.

  • @KPad87
    @KPad874 жыл бұрын

    Congrats guys! I wish I could still live in SF.

  • @yaserchow
    @yaserchow4 жыл бұрын

    Graham, you have 24 hours.

  • @olah1417

    @olah1417

    4 жыл бұрын

    😂😂😂😂

  • @bryan_cooke
    @bryan_cooke4 жыл бұрын

    as soon as he took out the credit cards I thought of Graham

  • @crxracer805
    @crxracer8054 жыл бұрын

    I think Graham will enjoy this.

  • @rayalmanza141
    @rayalmanza1414 жыл бұрын

    CNBC people wondering how Graham Stephan hijack their show and comments.... including this one! lol, now guys, go to one of Graham's videos and SMASH that Like button!

  • @MissMBA

    @MissMBA

    4 жыл бұрын

    Nah, just gently tap it

  • @bvlee2624

    @bvlee2624

    4 жыл бұрын

    For real

  • @adamdanilowicz4252
    @adamdanilowicz42524 жыл бұрын

    Graham Stephen, hello.👋

  • @junfak
    @junfak4 жыл бұрын

    Do the real estate now!!! You guys are young, make a lot of money, and saved over 100k! What are you waiting for?

  • @badaceblackbelt

    @badaceblackbelt

    4 жыл бұрын

    They're in Cali. They'd need a down payment of at least 250k.

  • @xxLoRiTaxx

    @xxLoRiTaxx

    4 жыл бұрын

    Real estate, Like flipping houses?

  • @roseypiedrasanta8177

    @roseypiedrasanta8177

    4 жыл бұрын

    .

  • @harryskittyz

    @harryskittyz

    4 жыл бұрын

    for real..thats what i said.

  • @2Shainzz
    @2Shainzz4 жыл бұрын

    200k a year seems like a lot, but that is still pretty tough to live in SF

  • @britt6785
    @britt67854 жыл бұрын

    Great planning!

  • @ChiefKene
    @ChiefKene4 жыл бұрын

    I like Scott. His plan for real estate is sound.

  • @nsinha27
    @nsinha274 жыл бұрын

    This made me happy!

  • @011cra
    @011cra4 жыл бұрын

    YES FINALLY AN ACCOUNTANT!

  • @blutsx
    @blutsx4 жыл бұрын

    MONEY is the topic everywhere these days

  • @MrToucan
    @MrToucan4 жыл бұрын

    Graham bout to love these people's financial decisions

  • @mrswolls
    @mrswolls4 жыл бұрын

    Well this is a disaster waiting to happen

  • @EldePHX

    @EldePHX

    3 жыл бұрын

    Yup lol

  • @kikikay10
    @kikikay104 жыл бұрын

    I just want to know HOW they only spent $650/month on food/drinks for two people in SF.... I'm only one person, and I have a hard time staying below $800/month on food (groceries plus restaurants) just to feed myself. Do they never go out to all the good restaurants here...?

  • @tc47440

    @tc47440

    4 жыл бұрын

    She said they eat beans.

  • @marlin7699

    @marlin7699

    4 жыл бұрын

    You spend $9 per meal? If you’re making food at home, you could spend $9 on nearly all your meals for the day...

  • @sanitary103

    @sanitary103

    4 жыл бұрын

    Christina York 800 a month for one person? Do you cook ? My wife and I live in the bay as well and spend less than you.

  • @crystlangel

    @crystlangel

    3 жыл бұрын

    If he works in tech, the company provides meals/stipends. It's a work perk... they could also only eat out once a week, and cook from home. Shopping for groceries at Asian markets are the cheapest in SF. You can get the same two big bags of groceries (veggies, fruits, meat, etc) for $20 at Manila Market versus Safeway or Lucky's that would cost $40-50. If you live in the bay area, Manila market is an Asian grocery store chain.

  • @kikikay10

    @kikikay10

    3 жыл бұрын

    ​@@sanitary103 Yep, I cook most meals. I go out to eat about 6-8 times per month on average (1-2x a week, which could be going out to a restaurant or ordering take-out), rest of the meals are homemade. I shop for my groceries at Trader Joe's, Whole Foods, and Costco--none of the little expensive boutique shops. But I do buy organic/pastured/grass-fed products whenever possible which I know increases my costs a little bit. I rarely ever buy red meat (which is expensive), and my proteins are mostly organic chicken, turkey, some pork products (like bacon), and wild fish. And I rarely throw away food, so I don't think I overbuy. Now that we've been in quarantine, my average food spending during this shelter-in-place has been about $476 per month ($360 on groceries and $116 on restaurants), so it's lower than my $600-800 average, but that's because I'm not going out as much to restaurants and not spending $100 a month on alcohol for happy hours and such. I still can't figure out how these people keep their food under $325 per person per month in normal times. They must have to cut out all restaurants/happy hours/coffee shops and not buy organic...?

  • @tyler6003
    @tyler60034 жыл бұрын

    "We will always be poor" Says the guy who makes over $100k jeez

  • @mspirres

    @mspirres

    4 жыл бұрын

    Thats the Mindset :)

  • @benanderson6287

    @benanderson6287

    4 жыл бұрын

    High cost of living in San Francisco

  • @ReeLSpirit

    @ReeLSpirit

    4 жыл бұрын

    $100k is nothing in SF lol

  • @adrianagurd

    @adrianagurd

    4 жыл бұрын

    That’s not much in SF

  • @JohnLee-fr6pi

    @JohnLee-fr6pi

    4 жыл бұрын

    Lol the video was good until the end - "less than 40k on the wedding" Let's all take a guess on which one of them wanted to spend so much "on experiences".

  • @jasfeliciano
    @jasfeliciano4 жыл бұрын

    This comment is not about Graham

  • @claudiahazlewood511
    @claudiahazlewood5114 жыл бұрын

    Don’t see the love between these two. More like a you help me, I’ll help you. Smh.

  • @V1ntageheart

    @V1ntageheart

    3 жыл бұрын

    Right!! Weird

  • @GoldAceNews

    @GoldAceNews

    3 жыл бұрын

    That's very typical within north american couples. Love doesn't exist much nowadays betwwen people, it's pure interest of what you can give me, so we can be a couple. Really sad, but true. Women here in the city tend to be like that, terrible. No hope.

  • @ginab4084
    @ginab40844 жыл бұрын

    Yay, a fellow RPCV. 2014-16 Ethiopia 🇪🇹🥰

  • @bikesbeersbeats
    @bikesbeersbeats4 жыл бұрын

    I'm amazed that a couple can get by on $5300 per month in SF. There isn't much in that budget for clothing, training, reading, attending events, entertainment. Its like they're already living a retired life but are young, good looking and able bodied.

  • @ALXSSA
    @ALXSSA4 жыл бұрын

    Yesss, finally they put an accountant on here #accountantsunite 🙋🏽‍♀️💪🏽💕 I like their lifestyle accept for saving 5k a month, but only paying 600 a month on student loan debt. As I always say, just pay the debt off first. But otherwise, smart gang!

  • @justincallaghan3063

    @justincallaghan3063

    4 жыл бұрын

    If it is low interest, the cash can make more, on average, than the interest would cost!

  • @Jooolee_
    @Jooolee_3 жыл бұрын

    I would love an update on them after COVID!!!

  • @EldePHX

    @EldePHX

    3 жыл бұрын

    Engagement has been called off 🤣

  • @S.E.C-R
    @S.E.C-R4 жыл бұрын

    I love that so many of these comments are about Graham... I’m here from his reaction video 👍🏼CNBC, you must check out his channels and get him on this show.

  • @bellablock8052
    @bellablock80524 жыл бұрын

    I’m just waiting for Graham to make a video on this with my 20¢ iced coffee ready

  • @cheeplestase9936
    @cheeplestase99364 жыл бұрын

    Different goals and don't want joint bank accounts?

  • @chriskim7123
    @chriskim71234 жыл бұрын

    I sensed some awkward feelings when he said he will be relying on her later in life since she is working for the government. I noticed her stiff body and a eye roll.

  • @Watchlover371

    @Watchlover371

    4 жыл бұрын

    Chris Kim yeah she was majorly awkward this has DIVORCE written all over it

  • @zhin4362

    @zhin4362

    4 жыл бұрын

    Yeah something seemed off about this couple

  • @imjoshuajohnson

    @imjoshuajohnson

    4 жыл бұрын

    Right! She wouldn't be enjoying the same life on her own but the second he makes a half joke she tensed up!

  • @Dominicanbulk

    @Dominicanbulk

    4 жыл бұрын

    @on88keys yup

  • @justliving2601

    @justliving2601

    3 жыл бұрын

    He makes her pay split rent that also is disgusting lol but ya they’re awkward

  • @Kuziai
    @Kuziai4 жыл бұрын

    Can you make how to live in 200mil a year in LA cuz I cant

  • @adamt1905
    @adamt19054 жыл бұрын

    Graham has entered the chat

  • @ralmazan
    @ralmazan4 жыл бұрын

    Can't wait for Graham' s review

  • @TatyanaEdgeworth
    @TatyanaEdgeworth4 жыл бұрын

    I live in California and boy it’s expensive in the Bay Area! That’s why a lot of people commute

  • @emilyslaton2100
    @emilyslaton21004 жыл бұрын

    I dated an accountant once and he was SO cheap I legit NEVER saw him spend money on ANY of our dates. I’m talking he wouldn’t even spend $2.59 on coffee for himself. He got water. I even once invited him to a nonprofit charity fundraiser I was hosting where we sold burritos and donated all the proceeds to kids’ cancer. And he wouldn’t even pay $5 for a freaking burrito. He was only with me for the future money I think because I was in med school at the time. That was literally all he cared about was how much money I was going to make. Men can be gold diggers too smh

  • @hayaglamazonluxe
    @hayaglamazonluxe4 жыл бұрын

    Her engagement ring is gorgeous ❤️

  • @ALXSSA

    @ALXSSA

    4 жыл бұрын

    yess i saw :o

  • @hayaglamazonluxe

    @hayaglamazonluxe

    4 жыл бұрын

    @@ALXSSA Right very beautiful

  • @borismoran1110
    @borismoran11104 жыл бұрын

    Graham will love this

  • @MarcusLeepapi
    @MarcusLeepapi4 жыл бұрын

    Looking very nice....Continued success...San Francisco is a really nice city...