*me, a broke 26 year old who is still in school living with her parents, living vicariously through you* lol! love your honesty, can’t wait for this to be my life style in a few years!

@tessaroach8987

2 жыл бұрын

Same girl same

@missheniki

2 жыл бұрын

I was a grad student until 32. Started my academic job at 33. Bought my first car at 33. Joined my pension at 34. And still rent now at 37. Everyone moves along at their own pace and your success will look different than mine. Don’t be discouraged! You’ll get there. ❤️

@cocolovett

2 жыл бұрын

Friend, you’re definitely not alone there. I too am 26, studying my masters, living with my parents and living vicariously through KZreadrs

@Krista16K

2 жыл бұрын

Exact same. Remember when we thought turning 18 was going to change our lives? Maybe 30 is the new 18 lol

@saphiaer

2 жыл бұрын

O hey gang of 26 year olds still in school and living at home 😂. Glad there’s a few of us

So let me do the math. Monica made $460,000 a year. She spent 92k a year, which is totally fine with that income. She doesn't have to worry about spending more than her budget because she is conscious about what and how she is spending on each category. That's the goal.

@cesarlopez1497

2 жыл бұрын

yeah but like 145k goes to taxes so she keeps about 230k which is alot! good for her she needs to diversify her income tho

@baileybee

2 жыл бұрын

@@cesarlopez1497 she’s on KZread, is a realtor and owns real estate. Can’t imagine telling someone like that they need to diversify further lol

@cesarlopez1497

2 жыл бұрын

@@baileybee ohhh investing tho index funds stocks elon musk lol

@AnonymousAnonymous-yw4si

2 жыл бұрын

@@cesarlopez1497 So you are wrong on the taxes because there are tax write offs when you’re a real estate agent that vehicle that she is using including the gas and the insurance is a business expense going out to dinner with clients that is neither a tax write off you need to be more educated and do your research before you make a comment like that have a good one

Love the honesty about what you're spending and earning. I'm completely blown away cause I just can't even imagine! But you clearly have worked hard to get here with building your KZread for years and working hard to get into real estate. You go girl!

@bingaling5

2 жыл бұрын

She got lucky with KZread, she barely uploads now lol she isn’t working hard on her YT at all

@MillaExplores

2 жыл бұрын

@@bingaling5 That's a bit unfair! She has had her channel for years - still uploading videos after years and years is not something everyone could keep up with. She has spent a lot of time and definitely worked hard to get to where she's today and that's amazing. She's also working on real estate now.

@spants1058

2 жыл бұрын

@@bingaling5 she works in real estate now, that’s why.

Dad Church appreciates both Monica and Shelby's generosity. So many times they have picked up tabs after eating out or purchased thoughtful gifts. thank you

@MonicaChurch

2 жыл бұрын

Aw love you dad!

I really hope this will be the decade where we stop shaming women for earning a lot of money, and start applauding them, the way we are used to doing it with successful men. So, well done, Monica, your success is inspiring!!!

@MonicaChurch

2 жыл бұрын

Thank you Julia!

@careygrubb6649

2 жыл бұрын

Definitely! Love this! ❤

@twincherry4958

2 жыл бұрын

Just no leftist feminists red pill men around

@jibrilrobinson1587

2 жыл бұрын

How is earning a lot of money a bad thing? Isn’t that the goal for all sexes?

@gregsgrowth530

2 жыл бұрын

@@jibrilrobinson1587 agreed

Loved the way you broke everything down!! Also, can I just say, your videos are the only finance videos I don’t pick my phone up during! The amount of high quality brolls and shots you have in your videos makes it so entertaining, and really gets me to not take my eyes off the screen!

@MonicaChurch

2 жыл бұрын

Thank you!

This is the most transparent money video I've seen from any lifestyle creator I follow and I loved it! It's great to see a creator talk about their finances without being weird or embarrassed about it. Do you make and spend a lot more than I do? Yeah, but good for you for having that kind of freedom. Isn't that what we all want anyway. I pray one day I'll get to the point where I make enough to not worry about money and just have fun!

EARN THAT MONEY AND SPEND IT TOO!! love seeing financially strong women. its an amazing thing for any young people to see too!!

I thought your weekly expenditures are through the roof, until you told us your pulling in 450k+ a year... 😬 You definitely inspired me to be much more mindful of my expenditures!

460k a year is insane. Like, I can’t believe you can live that lavishly and still only spend 20% of your income so she is technically being frugal even though she spends a lot of money. That’s crazy. Why did I not do KZread ten years ago instead of engineering school??? Life is not fair lol

@pirhan

2 жыл бұрын

Yeah. I was blown away by the amount of money spent a year, hoping that there were some savings.... but BLOWN away at 80% saved. Mind boggling. Monica, if you're reading this - thank you! for being humble even with making nearly half a million a year.

@lauraelise5095

2 жыл бұрын

460k before taxes though since it’s gross income

@MonicaChurch

2 жыл бұрын

Yeah.. it’s crazy. I agree! I will always try to stay as down to earth as possible. Not worrying so much about if I can pay my bills is an extreme luxury I try not to take for granted.

@uncertifiedprofessional9857

2 жыл бұрын

@@MonicaChurch oh my gosh you replied! I’m a huge fan Monica! I live near the Seattle area so I’m not that far away lol. If you ever need to make a video on real estate south of Seattle in the Tacoma/Puyallup/Bonney Lake area, let me know and I’ll give you a tour of the best places I know!

@RaulMartinez-gd3pw

2 жыл бұрын

@@lauraelise5095 still taking home over 1/4 of a million a year, and saving roughly 65-70% net. I’m super impressed, I knew KZread was a good source of income but she spent some months off of it so that’s where I’m awed.

Did that mental math and she made $460k last year, but Monica definitely worked hard AF for every single dollar!! And the fact alone that she saved 80% of that is inspiring cause she lives a relatable lifestyle compared to other KZreadrs and shares her mistakes and tips with us. So you go Monica!! 👏🏽👏🏽

@lili.kait13

2 жыл бұрын

Thank you for doing the math! In my 22 years math has never been a strong suit for me

So proud of you Monica. You worked really hard to get a large following on yt and it afforded you time to pursue a passion for real estate (a promising lucrative career). Thank you for being so inspiring and open about this. I love how you don't deprive yourself and you spend so freely on fun things. You literally earned it!

@emailroycreditmasterfix.co7990

2 жыл бұрын

I’m in California, I bought a vehicle, but in my shopping I had 12 hard inquiries done in a one month period, I have heard (and I can’t remember where) that in Ca. if you BUY a vehicle within 30 days of the first inquiry that any inquiries within that 30 day period would be combined into ONE inquiry. But this has not been changed on my reports which is giving me headache along side collections, charge offs & tax liens but few weeks ago I read about *CREDITMASTERFIX* from an article created from 2019 by a UK blogger. They didn’t only delete all negative items that’s giving me headache, they also raise by score by 265pts in under 3 weeks using them *CREDITMASTERFIX* . *COM*

I’ve been here since I was in middle school watching hairodynamic videos. 10 years later and Monica still inspires me every time I watch her videos.

Now that I’m at college I’ve been so cautious about money and job searching. These videos are so insightful ty!

It would be cool next year to see a video on what percent of your 2022 income was from youtube vs from real estate. I think a lot of people would be interested in that.

@caitlin1160

2 жыл бұрын

I totally would be! I want to know how successful she is as a broker

@Bunnylovescoffee

2 жыл бұрын

totally agree!

Wow, 26 years?! You must have invested in a lot of places doing your teens to be this successful!

@brandontgreen6742

2 жыл бұрын

I don’t who, but someone actually needs to hear this, you've got to stop saving all your money. Venture into investing some, if you really want financial stability.

@pedrojose5821

2 жыл бұрын

Good talk I tell that to my friends everyday. Saving is good investing is much better, I used to think saving would save me but NO, Investing is the real secret of making money.

@stacywhite251

2 жыл бұрын

@@brandontgreen6742 What if you don’t know how to trade any of these?

@stephen1639

2 жыл бұрын

@@stacywhite251 I mean.... I see your point. Some people have money and are willing to invest but the problem is where to or how to.

@janetmartinez1063

2 жыл бұрын

There are brokers/ mentors who offer guidances and platforms where you can invest and watch your money multiply in months.

As a college student going into finance, I love these videos! It’s so inspiring to see women being successful and I’ve learned so much from your videos about your life and real estate! Thank you for sharing your life with us :)

$460,000 income per year

@kristibeisecker

2 жыл бұрын

image having 92,000 to spend

These are my favorite videos! I look forward to the transparency each year from you and Shelby 😁

I would just like to say how proud I am of you that you are doing so good for yourself! It is so cool that you have been so successful at not only your you tube channel but also your real estate job! Congratulations Monica for being successful and good luck with your bright future!

@MonicaChurch

2 жыл бұрын

Thank you very much!

I enjoy these videos as well as the transparency! Thanks for sharing, Monica!

Appreciate the transparency and how you broke down each category. Very inspiring to see you CRUSHING it!!

Fascinating! You go girl! Life is short so I’m glad you’re enjoying yourself. 💜

So happy to see you so successful Monica, and I love all of your videos as always!

This was super interesting! I discovered yours and Shelby’s videos in 2020 and really enjoy your content. Super weird but as an newly empty nester I feel so very proud of you! I need to get my mothering under control… :) Great job Monica!

I have been watching you since end of middle school (now about to graduate college) so I can attest that you definitely deserve this!!

Love the transparency Monica! Always enjoy your videos.

sometimes I can't believe I've been here with you in this channel since 2016? maybe even before that. we have grown up together 🥺

The first video I ever watched of yours was about financial transparency. You are the OG for this- pls keep it up!

Love these types of videos! Thanks Monica 😊 Hope you're doing well

Super interesting! Really appreciate you being so transparent about all of this.

These videos keep getting better🙌😊

LOVE THESE VIDEOS!! thank you monica!! love your channel ❤ credit inquiries go away pretty quick i believe (at least from affecting your score)

I find this video to be really helpful, thanks for being transparent and honest

I really love the transparency in your finance videos. It is so important to keep working to break the stigma around money, so thank you for making this video!

I’m so happy and proud of you. Motivation at its finest.

We could all hear Graham Stephen's head exploding at the $120/month coffee expense 😀

This was such a transparent look into your yearly expenses! From the title of the video, I thought it would be similar to your other "What I Spend In a Week as a X Year Old in Seattle" videos, but it was definitely not! It's more of a "What I Spent (and Made) in a Year as a 26 Year Old in Seattle" video! :)

@MonicaChurch

2 жыл бұрын

Ohhh I love that title idea! Changing it! Thank you!

Really cool to see what you spend a week in Seattle! Gives a nice ideas of what the costs are haha

❤️ Great video. Love the transparency!

Hi Monica. I have been a Shelby fan for years but this is the first video of yours I have watched. Budgeting at a young age is a brilliant move on your part. Most people, young and old alike, have little clue why they are always out of money. Knowing where the money goes is the key to growing your wealth. Bravo! And yes I am now a subscriber too.

Thanks so much for sharing this Monica! You're such an inspiration!

So excited!

I loved this video! Thank you for sharing!! You are crushing it on youtube and real estate 🙌🏽

This was so great! I’m so curious regarding real estate, loved the vid !

I love that you did this after a year... when its just a week its never a representative week

Honestly good for you Monica! Goals! The fact you get the live the life you want to and still save 80% is incredible :)

This video was so motivating for me! I want to be financially dependent, live an unrestricted life too, you inspire me so much. On bad days, just know you keep others going!

Love these vids!!

Congrats! I'm a high earner as well so I enjoy these types of videos - I also try to keep my things low while being mostly unrestricted.

I love seeing this!! I have been following you since your high school days (doing diving & gymnastic videos). I have seen some videos of you where I can tell you were not the happiest. I'm happy to see you made it so far and is truly happy! Super proud of you and who you came to be!! Exciting to see continue to thrive!

Thank you for this video! Super engaging and well informing. It is so amazing seeing a young woman be financially successful and independent and I really look up to you for that!

This was a really well done breakdown!

460k for those who are curious. Proud of you girl! Live that life!

I am sooo proud she is as happy and succesful as she got and is. I seen her from waaaay back then like 2009 and let me tell you they had ALOT OF struggles and scraping by but stayed resilient. Anyone and everyone can make over six figures , just keep planning, diversify, build growth, risk a bit, keep learning , keep striving for improvements, word hard, work hard, work efficient and dont give up. Luv them

You girl are amazing and humble. I love people who share their success and are honest. Good job girl! i cant wait to get my porsche and make 500k too!

Thank you so much for sharing!

I'm curious as to what your goals are if you're pulling in ~$460k/yr and saving 80% at 26? At what point do you want to retire or stop doing KZread videos/sponsorships? What are you saving for? What kinds of businesses do you want to start? Some people just make money to spend money, but given you're so good about saving so young, just curious!

Great video, Monica - I moved to Seattle from LA a few years ago and thought I'd save "TONS" of money but I felt like my spending habits didn't change much... your end of year calculation of save vs earn is a helpful frame of reference. I've increased my income but kept my spending stable, so ... yeah - I guess I save a "TON" more! ;)

Thank you for sharing

This is so good, thank you for your candor! Inspiring!

Super interesting video! Thanks Monica!

Love it! Would love to see how you break down your savings as well!

for 2022 i want to say "i make good money for myself, i can have a lot of fun" 🥺

Amazing video Monica! Thanks for sharing. You to girl

I loved this video Monica! Congrats on the Palm Springs house! It’s really cool to see it finally generating some revenue. It was also really inspiring to see you spend money on things that make you happy because you’ve worked so hard to earn your money. Yes, you deserve to have fun! 👏🏻

This is awesome! Thanks so much for sharing!

I loved this video! Thanks for sharing this info

Good for you, Monica! You work very hard and deserve al your success.

Yes Orangetheory! I see those glowing orange lights! I’m a coach at an Orangetheory in nyc, so love to see it!

You’re a ray of sunshine in a dull world. So is your sister!

That’s awesome! This video made me feel so empowered

I love these finance videos. More please!

This was an amazing video 🙌🏽🙌🏽❤️

Absolutely love videos about money, especially yours, money is not a taboo topic, thank you for sharing ☺️ It’s all relative at the end of the day & I sensed early on that although the numbers were adding up, when it came to a % of your income it wasn’t going to be extravagant! However did not expect that amount to equate to only 20% & 80% saved, amazing 😍

That's really amazing! You live a life you love and are happy, that's really the dream for most people.

Thank you for your transparency Monica! I love learning personal finance through other people :)

Wow! You did get into the nitty gritty. Super interesting to hear different perspectives👍

Obsessed with your finance vids! I just moved to Seattle a few months ago and i'm trying to document what I spend in a week here in a week as well so I can keep better track of my finances. Highkey sCARED cause i've been going out wayyyy too much😭

Love these type of videos!! Please make more :) Also, you go girl! Get that coin :)

I aspire to be in that financial position - to have the freedom to spend without having to worry about it breaking the bank! Thank you for this transparency, and great job on earning that level of income!

Literally this video is my life 🤦🏽‍♀️😂😭❤️ Love you monica ❤️

As a Dutch person I was shocked by the low car payment. Then I looked up the prices of the Macan GTS in the US vs NL, it's crazy. $82,900 vs €147,400. Gotta love those Dutch taxes. That car is literally made next door to us, with no import/export tariffs in the EU and we still pay almost twice, of what an American pays, absolutely ridiculous. Not to mention Dutch salaries are much lower, than in the states and gas price sits at around $8/gallon. It's clear, I'm jealous! Very very jealous!

such a great and interesting video!! you killed it

@MonicaChurch

2 жыл бұрын

Thank you!

Idk why but i watched this video then your sister’s one on the airbnb profit and now im crying, i think young women being extremely successful and having good well being pulls at my heart strings 😭

Your hair looks great in the video!!

I really appreciate your honesty.

Regardless of what you spend, I commend you on knowing where your money is going and being conscious of how you spend. So many people have no clue where their money goes. This makes it really hard to decide when and if you want to cut back or prioritize.

Your honesty about what you spend/earn is so refreshing! And honestly, as beautiful as your life is I'd say you are on the more humble side of what many KZreadrs/influencers purport their lifestyles to be...which often gives unrealistic expectations to people watching because, let's face it, many are living beyond their means! Keep crushing it lady!

HECK YA sister! I love seeing other people make great money and enjoying themselves! Thanks for sharing!

My dad gave taught me something I find helpful which is the rule of thirds - your rent/mortgage should be no more than 1/3 of your wages, then you can spend 1/3 each week and try to save 1/3. If you can work what 1/3 of your wages are, try to make sure that's left in your savings account each week.

love your videos so much!

Thanks for sharing. Nicely done.

7:51 - shout out to the stefamily and bankroll coffee! LOL!!!!!! Now we really need that react video!!!! 😅😅😅😅😅😂😂😂

Love these types of videos:)

Love the video. What was your budget for charitable expenses for 2021? Thankyou for the transparency. Keep up the great work.

you’re racking up almost half a mil yearly??? IM TRYNNA BE LIKE YOU 😭 love these videos and your honesty.

I'm waiting for Graham to cover this video 👍🏼 congratulations Monica on all your success 💐💐

I would rename this video cause I thought this was another one of the videos where you track your spending in a week, but this was actually much more interesting seeing the actual numbers!

@MonicaChurch

2 жыл бұрын

What would you suggest I rename it? Definitley open to better ideas!

@LindseyDrennan

2 жыл бұрын

@@MonicaChurch hmm maybe something like “Breakdown of My Average Weekly Spend in 2021” but you know keywords of KZread much better than me!

@jessicaandrea5512

2 жыл бұрын

@@LindseyDrennan i agree with this idea!! wouldve clicked even faster LOL

This was very interesting to watch! 2021 was my first year making over six figures, and I've been very surprised to find the money doesn't go quite as far as I thought it would. Love the idea of two different CCs for two different types of expenses!

@MonicaChurch

2 жыл бұрын

Congrats on your first (of many) six figure year!!

@tiffanys221122

2 жыл бұрын

@@MonicaChurch with how much you make and save can you explain the reason for financing your car??

@MrsMuffin11

2 жыл бұрын

@@tiffanys221122 good question lol

@mychaelawilliams

2 жыл бұрын

@@tiffanys221122 @Amara M it’s opportunity cost. If I buy a $100K car cash, then I’m saving the 2 or 3% interest that I would have paid. If I invest that same $100K and finance the car, then I’m earning the market average (which is 8-10%) minus the interest paid. So it makes more sense to finance and earn 5-8% than pay cash and save 2-3%. But that ONLY works if you invest the money that you otherwise would have spent.