There are people who hustle very hard and work weekends who don't make a fraction of what she does. Effort truly is irrelevant. She has a highly in-demand skill set, that is all.
Abe Sapien i agree with this. That’s why I don’t complain when I work as many hours as I do. I know this guy who is 70 yrs old and works everyday just like me. I feel really bad for him because he is in debt up to his eyeballs and will probably work like this until he dies. So sad.
@@gavip24 Thank you for your comment, Gabriela. I was a small business owner for 8 years and recently had to close. It was very painful to transition from comfortable independence to blue collar work (pizza jobs, housekeeping, etc.). Two years ago I even lost my car and lived entirely by bus for 7 months. Now I have a '98 Buick that I take care of. Anyways, I feel I work just as hard now--maybe harder--than when I ran my six-figure publishing business.
@@alexanderdelarosahidalgo3092 Yes definitely, always great to see millennials doing well, most of the older generations don't think we stand a chance but this incredible women is proving them wrong.
@@akin242002 That's ok maybe she has day one friends, I work nearly all the time as a 3rd year resident physician but I still have close friends I keep in touch with who are understanding of my work life and respect it.
David Mangwana her taste will change when she moves into a downtown city condo like she wants to. Because she will have to keep up with the city girl Image
Jesus Christ I must’ve really struck a nerve. Since you clearly work at a fast food joint, why the heck would you want your life replayed on TH-cam? Go back to playing video games in your mamma’s basement.
112k a year is good money, there’s no struggling when your bringing in 112k a year. With 2 incomes in my house we don’t even make 112k a year. Your doing good girl keep up the good work!
Exactly....very high,there’s a lot people that don’t know that. I see too many students asking if that degree is good. I don't know where they at because that degree in high demand as you said.
This is what I was going to college for at first...but some of the math and programming classes got to me. I knew I wasn’t going to be a competitive candidate in the Seattle area and so I switched majors.
Brittney Jackson, looks like you’re reaching for ways to blame the mom for what the dad did. Whether or not she saw it coming no one deserves that type of treatment from their spouse and parent.
I work in financial technology and have quite a few certifications and awards but have a crappy pay and struggle to find a new job... connections > skills and field
Girl my dad did the same thing when I was 16! It’s because of that I worked 10x harder and was super careful about money. We’re stronger and better because of it. 💪🏽
I'm a father and I say that in "deed". I never knew my dad but his absence sprouted resilience. 10x is biblical you keep praying for those who treat you bad because God gets the glory.
Her father is absolutely disgusting for doing that! I agree with her, you absolutely can NOT depend on others as a financial cushion. You have to work hard and save your coins and make sure you’re looking out for YOU.
J yeah. Depending on the interest rate on her student loans I’d maybe pay those off first. Can maybe get a return investing that outpaces the interest, but maybe not (student loans can be pretty high). Also the weight off your shoulders of no more student debt is awesome. Besides that I can’t find anything else to nit pick
I think she needs to work harder on paying off her student loans. Only $300 a month? She could easily do 600 - 1k. If she did 1k a month she could pay it off in under 5 years.
@@boxfox1239 300k is possible. I work for a energy utility in CA. Most linemen for pur company make 160-260k a year. 160k is barely any OT compared to 260k which is a lot of OT. 300k is pretty steep unless you work for a utility and union in socal or bay areas but cost of living is much higher.
@@boxfox1239 Pg&e is alright, but they recently have received a lot of backlash due to all the fires here. Pg&e has been faulted with some of the large fires here. The camp fire being the biggest and most damaging one. The company's future isn't looking so bright at the moment but given time they can reverse the popular opinion about them right now. As far as downtime, it depends. During good weather things are slower paced hut during the bad it can be very busy and faster paced. But at any rate usually a crew will work on any one pole or project so no one is alone having to slave away. You will have plenty help and safety is paramount. So don't worry it's a pretty good and safe job these days. Plenty of OT available. Good luck to you.
Faith Kings She’s only 27 years old and has two jobs in the tech industry that she enjoys, bought a house, has 3 real estate rental income streams (spare bedroom, basement and garage), rents her car out, has 2 Roth IRA’s, a high yield savings account and plans to buy another property. Sounds like she’s working pretty smart to me!
@@JCizzleSoCal She doesn't have two Roth IRAs, that wouldn't make any sense. She has a Roth 401K and a Roth IRA. She's over the income limit for a traditional IRA so a Roth IRA makes sense, but at her income it makes a lot more sense to invest in a traditional 401K, or at least split between a traditional 401K and Roth IRA.
@@JCizzleSoCal And she's working her butt off, missing out on life. Sorry but she's working, not living. In her later years she will regret having spent her prime years of life working two jobs, and not doing something more meaningful. I don't understand people like you and her. When you're old you're more likely to be plagued by health problems etc and won't be able to enjoy money as much as when you're younger. Idiots.
if you are a woman applying to an IT position they have to hire you, I heard this myself from a hiring manager who hires for a lot of companies, they hire minority and women if they apply even if they are not as qualified. This is 100% true.
I think she’s paying off her loans over time because her interest is super lower and whenever you can borrow money for almost no money it’s better to pay it back in small amounts and keep more liquidity for investments where her money will grow faster
@@LKevin213 she does not know what would happen in 13 yrs....job loss. Medical problems, bad economy etc etc. She has the money to axe it now. You shouldn't bank on the future stability for something that can easily be taken care of now
@@lacrymosa777 true but I think cyber security is as safe as it gets, if she stays on top of her game. Paying off debt would be my number one goal too but maybe she has a loan where she's charged a fee if she overpays her rate
She’s doing an awesome job. I love that she did not let her circumstances become an excuse but instead used it as motivation. I think she should go ahead and get rid of that student loan debt especially with the salary she has saying this from experience.
@Please Clap how can they be lazy and at the same time have ppl worried that they'll take all the jobs? Sounds to me like people just want a scapegoat, but ok.
Please Clap load of crock. Latinos are some of the hardest working people on the planet. It's normal in most Latin American countries to work minimum of 50 hours per week.
Christian Aviles there's many Latinas in high profile jobs making it. I work for Health & Human Services, most of the top managers, directors, chiefs here are Latinas. They worked hard to move up the chain. I have two Masters degrees. 😎
@@jerseynurse6878 what does this have to do with my comment? If the penalty fee for overpaying your loan is higher than the interest, it doesn't make Sense to pay it off too soon
Gabriela, thanks so much for doing this video. I have a similar upbringing. If it wasn’t for this video, I would have never went back to school at 35 years old to pursue my career in software development. This video changed my life. Thank you again, Gabriela, from one Chicagoan to another. Proud of you and all you’re doing! Super inspiring!!!
Mistake. You can deduct the interest from your taxes and invest what you would have payed. Also she works for the govt so there might be loan forgiveness after a certain number of years of service.
@@dothedeed Loan forgiveness doesn't apply to tech jobs. It's for public interest roles. Even that is hard to come by nowadays because of this administration. Less than 1% who apply actually get their loans forgiven.
Why is it an issue? You don't have the whole picture. By that I mean you don't know the terms of the loan or interest rate. Aggressively paying off the loans may not be the best decision for her right now.
If the interest on her saving and investment is higher than the interest of the debt there is no reason to pay off early, also not to mention the tax deductions she can claim annually.
I paid my loans off slowly over time because I looked at it like I could make more of a return on my own with throwing all that cash on low interest rate students loans. My 401k averages around 10% a year, so I’m already ahead of the game when I put a big chunk of money in there every week.
This is the type of videos that should be pinned in the trending tab , the motivation it gives me and the little bit of motivation that fuels my desire to make my money work for ME ! thanks for the inspo
My brother in law just got into electricians union a year ago and he’s making close too 100k a year and he’s only 26! Good for you Jamal. It’s an awesome career. Good luck 👍🏼🍀
@@anaadventures7669 She's buying security by paying off the mortgage first. Stocks average 6-7% returns each year, assuming good diversification and a good year. With a monthly student loan payment of $262, her interest rate is probably about 4.5%. If she invests the money that she would have put towards student loans, she'll have about a 1.5-2.5% spread between her investments and student loan debt, which is based on average market returns. This spread is beneficial only if she can make returns above her student loan interest, which might be hard across 13 years. Also, if she pays off the mortgage in 3 years or less, she'll stockpile cash quickly and can invest that or cover those costly home repairs that she mentioned in the video.
@@anaadventures7669 haha that's not what I said at all. I understand your point--she could invest the money she would have paid towards student loans. My point is that there's more risk in doing so across 13 years because her income could change. If that happened or if she lost her job, it would be far easier to stop investing than it would be to stop loan payments to a creditor.
That’s what I thought too. Better to pay it off upfront because you never know what could happen. Could loose that good job and then have to defer and end up owing more. Plus the interest accrued over 13 years would add so much more to the principle. She’ll probably realize that soon and pay off the debt. Doesn’t matter if you save 55k, if you owe 55k ur net worth is going to be 0!
She has goals, she has things to do with that $, if she strictly paid off the loan, she most likely wouldn't own her own house or have much in retirement (compounding interest). If she didn't have the house she wouldn't have over 1k a month, that's 12k a year plus principal pay down. Using loans correctly to leverage your $ is important, she's doing it correctly as long as she's got goals. If she's letting it sit in a savings account, then she should pay them off. But I think she wants to buy another house, then she would rent out her current house and make even more $.
She’s most likely paying the interest. She could pay the loan off in one go, or invest that money into a lucrative venture. It’s not always smart to pay off all your loans. Also, it could help build your credit.
I respect this lovely lady, very mature, doesn't live beyond her means, she drives an old car, and has a second car she uses for rentals. This gives me motivation to do well and go harder in life
Is it just me who feels like she doesn’t understand that she’s earning a lot like guys? Six figures is a lot for one person. And she’s saving a lot like 1/3 of her income
@@SK-mr6ov It really is a lot. I don't understand the hoity toity people who think it's not. Statistically she's crushing the median household all by herself. Could she save more? Probably, but most Americans don't save anywhere near 1/3 their income. Her case is a triumph.
KalbiKing I agree she is doing really well, but not well enough to where she should start spending all of it yet. The median household income shouldn’t be something you compare yourself to if you wanna be financially independent. So yes 112k is a lot for the avg but it’s not a lot for people who want to be wealthy. So saving and investing should be her first priority, not spending.
Aww.. she is so relatable. I'm sure great things will happen to her as she's warm, strong and hardworking. This would be my favorite episode of CNBC as well
Wow, Gabriela. Your story is amazing, I'm a mexican millenial living in Logan Square. I felt the need to say that because I find myself relating with you so much! You're story is so inspirational. Latina girl Magic.
What makes me to love her most is that she wants to create a center to teach others about cybersecurity. This is the best compassion; teaching others how to fish in order to fish for themselves. I love this. It's my prayer that it will come true.
Alison Rotzien if she works for her local government she might be in a loan-forgiveness plan in which after 10 years of working in that position, her loans will be forgiven. So she probably pays low amounts/ minimum amount since they will eventually be forgiven anyways. 😊
For the same reason that you don't pay off home loans in 10years... paying in 13 years helps her saving/spending/invest more money on a monthy basis. Paying it in 2 years would make the monthly payments high. If the interests are low the difference isnt that big.
Yeah, I don't understand why she's dragging it out. Sounds like her goal to save up for another property is taking precedence over paying off the debt. She owns a home already, so I would focus on paying off the debt asap if I were her.
@@kristin7777 My understanding that her job was a separate corporation that got a contract with the government, not working directly for the government, but if that's the case I can understand why. Good point
@@MrVasco9999 Depending on where you get student loans, the interest can be killer. My interest on student loans is 3x higher than my mortgage. And as she said home repairs are costly, if something big where to break and need fixing in one or even both homes, it would be nice to have extra cash to put towards it, instead of having to balance it between debts. Makes enough money and lives rather frugally to keep that much debt around
This was an excellent story! She tore me up 😢 when she spoke about her Dad. She’s a smart girl and I like that she has a healthy balance of saving and spending. I hate when ppl claim to never buy anything.
I would NEVER want my parents to pay for anything. They need to concentrate on their own retirement instead of trying to leave me something or sacrificing their future..I have more years I hope than they do. Stop being dependent of your mommy or daddy once you are capable of taking care of yourself. Too many of you feel like you need to be enabled..that's the issue todat
So much respect for her! Also cybersecurity is a very smart move as far as career growth. I'm sure she will only be making more and more as the years go by. She has no idea how well she has set herself up for success early. She will someday though! You go girl!
This is one of the better ones I've ever seen. This girl is humble yet she likes pretty good money and doesn't let that stand in the way of giving the impression she is better than others. Not only that but she's a grinder working on the weekends at the library.
Ok, she’s awesome. I wish I could give her some tips to paying off her mortgage & student loans a lot faster to acquire another property. She’s doing the right thing by tackling her debt, but the slower you pay loans off, the more interest you pay in the end. Keep up the good work, Gabriela! Awesome comeback story.
Dude holy crap. Her and I are the same age and I feel so inspired and slapped in the face. She is on her grind like no other!! I was like why she dressed like a hot librarian and there it is! Level up up level up🙌🏾
She's doing great. But. She should really get rid of that student loan asap and see if she qualify for any reductions. With her income she could do it in six months if she just lives on 50k which is still a good income
I’m a 64 yo male. I am a professional in healthcare which allowed me to make an above average salary. I always was aware of the usual maxing out on IRAs and any retirement option available from my employer. I always added Some extra to non retirement investments as well Now that I am retired for 1year and believe I can have a comfortable retirement I’m glade I didn’t always require a new car or boat but trust me I wasn’t frugal. When I watch videos like this with young adults expressing their understanding of finance it makes me feel there is hope for the future. Good job. Have fun but prepare for the future. Plus on a selfish note we need youngsters like you to fund my social security checks.
This is the video I never knew I needed. I have a MS degree in Information Systems, but unfortunately I have no money, but I want to take my Comptia A+ and Comptia security + so that I can also get into Cyber security. Thanks for the inspiration.
I’m very proud of her....she’s making a lot for her age....since she has saved for emergency she should actually be able to pay off her student loan in less than 2 years....it makes no sense to pay off in 13.....she could throw almost half her salary towards that debt and be done by 30....
GameFuMaster I would agree if the plan was to pay it off in like 2-3 years. But the issue is 13 years is wayy too long and way too risky. She should be the first to realize that money is never guaranteed considering what she went through, so relying on her current situation to make plans THIRTEEN years into the future is a mistake. So many things can happen that may cause her to not have money to pay her debt down, so its better to pay that off as quick as possible just in case. Plus the difference between her interest rate and the returns is likely not that big. Student loans tend to be around 5% interest rate, and average stock market returns are (based on different sources) 7-10%. When you adjust for inflation, that’s not a big enough gap to risk not paying the debt down
Depends on how much interest plus student tax deductions. Pay student debt after investment falls below interest rates. Actually I say I have 0 student debt because I can pay it off whenever... But I have a 3k 3.4% loan I pay min 50 per month. Helps with credit score plus. I can generate 4%+ per yr in interest at credit unions free money and tax deductions from student loan effective rate us 3%.
Dawn Raquel How can she pay off 55,000 in student loans in 1 year? After taxes, she makes about $82,000 . After that she has to pay her $1,700/month mortgage and her other expenses like food and utilities. So, how can she possibly do that?
What’s your budget breakdown? Share your story with us for a chance to be featured in a future installment. cnb.cx/32TYZ2K
Invite Graham on the show please!
Id like to share mine! Clarksville, TN! Voted the best place to live in the U.S. in 2019!
Hope Dallas is close enough to Austin.
What about Memphis ,Tn come here❗❗❗
Have a reality show where Graham Stephen lectures everyone of them on the show after reacting to them!
This girl HUSTLES for her money she works weekday and weekends and she deserves every single penny that she make!
There are people who hustle very hard and work weekends who don't make a fraction of what she does. Effort truly is irrelevant. She has a highly in-demand skill set, that is all.
Abe Sapien i agree with this. That’s why I don’t complain when I work as many hours as I do. I know this guy who is 70 yrs old and works everyday just like me. I feel really bad for him because he is in debt up to his eyeballs and will probably work like this until he dies. So sad.
@@gavip24 Thank you for your comment, Gabriela. I was a small business owner for 8 years and recently had to close. It was very painful to transition from comfortable independence to blue collar work (pizza jobs, housekeeping, etc.). Two years ago I even lost my car and lived entirely by bus for 7 months. Now I have a '98 Buick that I take care of. Anyways, I feel I work just as hard now--maybe harder--than when I ran my six-figure publishing business.
By the way, I lived in Schaumburg IL for 30+ years. Good to see another Chicago entrepreneur.
She is absolutely incredible, these are the type of friends people should want to have in there lives.
I totally agree with you she is also inspiring
@@alexanderdelarosahidalgo3092 Yes definitely, always great to see millennials doing well, most of the older generations don't think we stand a chance but this incredible women is proving them wrong.
But she works too much to have close friends in her life. She has 3 jobs.
@@akin242002 That's ok maybe she has day one friends, I work nearly all the time as a 3rd year resident physician but I still have close friends I keep in touch with who are understanding of my work life and respect it.
@Ricki G Of course, I'm assuming you mean what specialty? Currently I'm a General Surgery/Oncology Resident in Seattle :)
*"I never want to rely on anybody"*
I just wanna give her a big hug and cry together;she's been through some sht
32ways that’s the best feeling is you know you did everything yourself that’s something nobody can take away from you
32ways why you feel sad for working hard in life lol
She’s obviously had schooling. And a way to pay for it
@@shredspectrum356 Ummm...scholarships exist.
@@shredspectrum356 Also, she could've changed her mind about relying on people, she obviously had a bad childhood.
I don't think her location should be exposed. This world is crazy
Agreed
Respect her choice.
Shes fine, relax.
Thats not really her house its just something like it
I only clicked on this because she lives like 5 mins away from me
She literally deserves everything good coming her way. I’m so proud of her and i don’t even know her. Lol ✨ I’m inspired.
Amazing story. She makes so much but drives a basic car and prefers 2nd hand clothes.Her prioties seem to be in the right places.
David Mangwana her taste will change when she moves into a downtown city condo like she wants to. Because she will have to keep up with the city girl
Image
Amazing nonetheless. Most people her age in the area probably make half of what she makes
She has to have another car cuz it says she makes 200 renting her car on Turo
Justin P what you mean player?
Profit Wages I meant I hope she doesn’t get pressured into financing an expensive car.
This girl is killing it at life
@@user-eu2me4bp7j jealous?
C W
8 hours ago
A lonely life
@@sixteen.candles.4644 someone having a diff opinion does not equal jealously. Are you 10 years old?
i'm getting killed by life
No, she's just making a lot of money. Is that all "life" is to you?
I want y’all to feature someone with a $25K a year salary please!
Maxwell Charles me too
Jesus Christ OK so you would rather see a feature on someone who works full-time at McDonalds or Popeye’s? Yeah that’s a goal everyone strives for.
Jesus Christ I must’ve really struck a nerve. Since you clearly work at a fast food joint, why the heck would you want your life replayed on TH-cam? Go back to playing video games in your mamma’s basement.
Jesus Christ 99% of millennials? There’s a lot of us making decent incomes
@Jesus Christ no not 99% but people who are making bad choices or are on their road to success. we need positivity
112k a year is good money, there’s no struggling when your bringing in 112k a year. With 2 incomes in my house we don’t even make 112k a year. Your doing good girl keep up the good work!
Martin Rodriguez Exactly,if I was making $112K a Month,I would be super happy
@@redscorpion9325 even $80K would be the dream life for a reserved and lone person like me
@@person8641 😂 right? Im a single parent bringing home only $31k a year. Altho, i get raises yearly, i would still never reach THAT much
@@samantharowell9733 just keep doing the great job you're doing
Two income households. We earn over 120k combined. Our focus is to pay off debt and save to buy a home in cash.
She’s smart. Cyber Security careers pay very well. There’s not enough supply of people going into this sector. The demand is high
Exactly....very high,there’s a lot people that don’t know that. I see too many students asking if that degree is good. I don't know where they at because that degree in high demand as you said.
Exactly why I'm heading that direction 👌
very true!
This is what I was going to college for at first...but some of the math and programming classes got to me. I knew I wasn’t going to be a competitive candidate in the Seattle area and so I switched majors.
@@MyMusiqueLive You had to take advanced calculus?
That’s messed up her dad did that.
Mane , he took the money and vamped❗ I wonder did mom see that coming sometimes women can be naive to that
Brittney Jackson she didn’t. They were married 22 years, she trusted him.
Brittney Jackson, looks like you’re reaching for ways to blame the mom for what the dad did. Whether or not she saw it coming no one deserves that type of treatment from their spouse and parent.
Brittney Jackson what do you mean?
Karma
That's why you should work in tech. Salaries are insanely high! She's not yet 30, but she's in a six-figure job!
Insanely high if you have the credentials. A lot of people end up in a low-end support role and burn out.
If everyone work in tech, who is gonna buy the products or the services??
Empire State shout out to you! My name is Empire Textbooks (I guess we have the same first name)
@@balthorpayne too many ppl think low of themselves. Many work hard not smart
I work in financial technology and have quite a few certifications and awards but have a crappy pay and struggle to find a new job... connections > skills and field
Girl my dad did the same thing when I was 16! It’s because of that I worked 10x harder and was super careful about money. We’re stronger and better because of it. 💪🏽
Some suffering in life is some of our greatest lessons. Keep up the good work
That’s insane! Why would he do that?!
I'm a father and I say that in "deed". I never knew my dad but his absence sprouted resilience. 10x is biblical you keep praying for those who treat you bad because God gets the glory.
“I don’t want to depend on other people for money I want to make sure I’m well off” FACTS!!
Is nobody going to mention “Fetty Hop”?
Michael Glusko I was about to comment this that name for a pet bunny is genius
That name is genius!
Mannnnn. I had to pause the video and laugh. Sooooo hilarious and smart hahaha
I cackled out loud.
I like her. Shes smart and humble
Fleur - This is the kind of woman you date or marry if you’re into marriage. Not some shopping spree idiot that can’t save a nickel
she makes more than she owes in loans and its gonna take her 13 years to pay off? That makes zero sense.
Andrew generally speaking investment interest > sl interest
Her father is absolutely disgusting for doing that! I agree with her, you absolutely can NOT depend on others as a financial cushion. You have to work hard and save your coins and make sure you’re looking out for YOU.
Exactly. Don't pool all your monies together and don't build your life around anyone that when they leave they take your whole lifestyle with them
What did he do?
She took the "Lemon" that life gave her and she's making lemonade with it. It's a beautiful thing isn't it...
olumide orindare regardless of why he left .. she made sure she’s taking care of herself and her mother. So you close your lip 👄
Her father did her a favor, otherwise she could’ve ended up broken and dependent on another.
My favourite "Millenial Money" so far!
Me too! By far
I agree very proud of her
She’s gonna be a millionaire she’s smart with her money
How is she going be a millionaire when she doesn’t talk about investing but focus on a 401k plan or starting her own business.
Moon 401k is a type of investment. She’s already good with money so starting a business on top of that would be great for her
@Win From Within That is what I am thinking on doing
Graham Stephen is going to be hard pressed to find any mistakes with this young woman, she’s crushing it 💪🏼
J yeah. Depending on the interest rate on her student loans I’d maybe pay those off first. Can maybe get a return investing that outpaces the interest, but maybe not (student loans can be pretty high). Also the weight off your shoulders of no more student debt is awesome. Besides that I can’t find anything else to nit pick
I think she needs to work harder on paying off her student loans. Only $300 a month? She could easily do 600 - 1k. If she did 1k a month she could pay it off in under 5 years.
I would think that Graham would say she can pay off her student loan sooner than 13 years. Especially making over $100k per year.
@@Earthy247 great point Jenn :)
@@Wablestomp2 well said I agree
Wow, she makes more than she needs but still has a weekend job because she enjoys it - that’s what I call winning at life
Smart, don't have kids! You can accomplish a lot by taking care of yourself first! It's not selfish.
I could supplement my income working weekends but I’d spend less time with my kids, so Pass! But yeah take advantage of all that when you’re single
I admire her drive and her hustle. She isn't frivolous with her money and invests very wisely.
13 years? Making $100,000 someone call Dave Ramsey.
My favorite to date is the utility lineman from chicago land. Im pursing the same career and hope to make 300k in cali invest in RE.
i speed dialed him......
@@boxfox1239 300k is possible. I work for a energy utility in CA. Most linemen for pur company make 160-260k a year. 160k is barely any OT compared to 260k which is a lot of OT. 300k is pretty steep unless you work for a utility and union in socal or bay areas but cost of living is much higher.
@@TB-vb3ov how is it out there alot of down time between calls? Thinking about PG&E. Hows their saftey protocol?
@@boxfox1239 Pg&e is alright, but they recently have received a lot of backlash due to all the fires here. Pg&e has been faulted with some of the large fires here. The camp fire being the biggest and most damaging one. The company's future isn't looking so bright at the moment but given time they can reverse the popular opinion about them right now.
As far as downtime, it depends. During good weather things are slower paced hut during the bad it can be very busy and faster paced. But at any rate usually a crew will work on any one pole or project so no one is alone having to slave away. You will have plenty help and safety is paramount. So don't worry it's a pretty good and safe job these days. Plenty of OT available. Good luck to you.
$112,000 a year for One person is not Struggling. She is doing Exceptionally well for being a Single person with no children
This is a beautiful person god bless this woman that’s a real goal getter
Wow shes doing amazing! That multiple sources of income is an inspiration.
Great girl but she's working hard not smart.
Faith Kings She’s only 27 years old and has two jobs in the tech industry that she enjoys, bought a house, has 3 real estate rental income streams (spare bedroom, basement and garage), rents her car out, has 2 Roth IRA’s, a high yield savings account and plans to buy another property. Sounds like she’s working pretty smart to me!
Faith Kings any tips?
@@JCizzleSoCal She doesn't have two Roth IRAs, that wouldn't make any sense. She has a Roth 401K and a Roth IRA.
She's over the income limit for a traditional IRA so a Roth IRA makes sense, but at her income it makes a lot more sense to invest in a traditional 401K, or at least split between a traditional 401K and Roth IRA.
@@JCizzleSoCal And she's working her butt off, missing out on life. Sorry but she's working, not living. In her later years she will regret having spent her prime years of life working two jobs, and not doing something more meaningful. I don't understand people like you and her. When you're old you're more likely to be plagued by health problems etc and won't be able to enjoy money as much as when you're younger. Idiots.
Love to see woman in the IT field. It's very rare to see female techs in IT. She's doing good for herself.
I'm going back to school and as woman I want to study computer science.
if you are a woman applying to an IT position they have to hire you, I heard this myself from a hiring manager who hires for a lot of companies, they hire minority and women if they apply even if they are not as qualified. This is 100% true.
@@johnames6430 fully agree this happens too in London !
John Ames ALL LIES
Affirmative action at its finest
I think she needs to add more money to payoff her student loans faster.
Agreed! Even if she halfed the amount of money she put in her savings, she'd still being doing amazing.
I think she’s paying off her loans over time because her interest is super lower and whenever you can borrow money for almost no money it’s better to pay it back in small amounts and keep more liquidity for investments where her money will grow faster
@@LKevin213 she does not know what would happen in 13 yrs....job loss. Medical problems, bad economy etc etc. She has the money to axe it now. You shouldn't bank on the future stability for something that can easily be taken care of now
Kevin D I was hoping someone would make your comment, clearly you’re financially aware. Kudos my friend.
@@lacrymosa777 true but I think cyber security is as safe as it gets, if she stays on top of her game. Paying off debt would be my number one goal too but maybe she has a loan where she's charged a fee if she overpays her rate
She’s doing an awesome job. I love that she did not let her circumstances become an excuse but instead used it as motivation. I think she should go ahead and get rid of that student loan debt especially with the salary she has saying this from experience.
She named her bunny Fetty Hop... I’m done lol I love this girl!!
666oddess another reason not to have a cat. That cold uncaring little monster runs me about $70/mo 😡
What is the three 6s to you?
Love to see a Latina making it. She’s doing very well 😍
Christian Aviles especially in Chicago. Most her age have 3 kids by 3 baby daddies, on LINK and section 8.
@Please Clap 😂🙄
@Please Clap how can they be lazy and at the same time have ppl worried that they'll take all the jobs? Sounds to me like people just want a scapegoat, but ok.
Please Clap load of crock. Latinos are some of the hardest working people on the planet. It's normal in most Latin American countries to work minimum of 50 hours per week.
Christian Aviles there's many Latinas in high profile jobs making it. I work for Health & Human Services, most of the top managers, directors, chiefs here are Latinas. They worked hard to move up the chain.
I have two Masters degrees. 😎
13 years to pay off her student loans?! girl you can get rid of them in under two years with your income.
Maybe she got a loan that charges you a fee if you pay off more than agreed upon
The interests rate is probably low. If that is the case there's no point in paying them off right away
Red Unicorn - nah. She should listen to some Dave Ramsey videos. He has good tips for people with student loans.
@@jerseynurse6878 what does this have to do with my comment? If the penalty fee for overpaying your loan is higher than the interest, it doesn't make Sense to pay it off too soon
No she cant pay off student loans in two years. She have to pay federal taxes, state, city taxes, her monthly bills, and so forth.
This is awesome. She’s doing good. That masters degree was worth it. She’ll double her current salary sooner than later!
This was a good one. She has a good vision for herself, career, finances and community. That bunny name is amusing.
Gabriela, thanks so much for doing this video. I have a similar upbringing. If it wasn’t for this video, I would have never went back to school at 35 years old to pursue my career in software development. This video changed my life. Thank you again, Gabriela, from one Chicagoan to another. Proud of you and all you’re doing! Super inspiring!!!
Good luck!
Her heads on right, but I would pay my loans off quicker then anything else.
Mistake. You can deduct the interest from your taxes and invest what you would have payed. Also she works for the govt so there might be loan forgiveness after a certain number of years of service.
dothedeed interesting I need to look into that. Thank you
@@dothedeed Loan forgiveness doesn't apply to tech jobs. It's for public interest roles. Even that is hard to come by nowadays because of this administration. Less than 1% who apply actually get their loans forgiven.
dothedeed Betsy Devos removed that for most people.
absentminded219 mmm honestly Im glad I saved the amount I did a month. Especially in times like these of uncertainty!
My only issue is that she should focus more on paying off that debt with that great income.
The debt could have a low-interest rate, like three percent, and maybe she wants more cash on the side, just in case she loses her job.
Why is it an issue? You don't have the whole picture. By that I mean you don't know the terms of the loan or interest rate. Aggressively paying off the loans may not be the best decision for her right now.
If the interest on her saving and investment is higher than the interest of the debt there is no reason to pay off early, also not to mention the tax deductions she can claim annually.
I agree
I paid my loans off slowly over time because I looked at it like I could make more of a return on my own with throwing all that cash on low interest rate students loans.
My 401k averages around 10% a year, so I’m already ahead of the game when I put a big chunk of money in there every week.
This is the type of videos that should be pinned in the trending tab , the motivation it gives me and the little bit of motivation that fuels my desire to make my money work for ME ! thanks for the inspo
She is doing absolutely wonderful. She really is. Such an inspiration
I was literally writing a paper for school
I needed some motivate to complete it
Thank you !
Graham would be mad at her budget allocation because she's doing everything right.
@Wraith Wraith Everyone can always do better! Saving 50% of her income is already much better than most people
“I don’t want my possessions to own me, I want my possessions to work for me” that’s GOLD! I hope my daughters have this type of financial discipline!
girl, you can totally pay off your loans faster than 13 years. And , paying off your loans would free up more money to get you closer to your goals
ill get there soon. Just got into the Electricians union.
Dude you're gonna be making bank someday! Good luck!
@@MSW96 Right on bro!
My brother in law just got into electricians union a year ago and he’s making close too 100k a year and he’s only 26! Good for you Jamal. It’s an awesome career. Good luck 👍🏼🍀
@@usernamenotfound2898 Right on bro! I appreciate your positive vibe! Live good!
@Beach Boxing There is chance of danger for every job
She owes $55,000 in student loans, makes $112,000 a year, and expects to pay them off in 13 years? Those should be paid off in 3 years max
Lol like wtf right...n renting stuff out lol
why would she pay that off quickly if her interest rate on that is lower than what she would get back if she invested it?
@@anaadventures7669 She's buying security by paying off the mortgage first. Stocks average 6-7% returns each year, assuming good diversification and a good year. With a monthly student loan payment of $262, her interest rate is probably about 4.5%. If she invests the money that she would have put towards student loans, she'll have about a 1.5-2.5% spread between her investments and student loan debt, which is based on average market returns. This spread is beneficial only if she can make returns above her student loan interest, which might be hard across 13 years. Also, if she pays off the mortgage in 3 years or less, she'll stockpile cash quickly and can invest that or cover those costly home repairs that she mentioned in the video.
@@StevonStevons exactly she's paying herself first/investing before tackling the low interest student loan debt. you said it yourself.
@@anaadventures7669 haha that's not what I said at all. I understand your point--she could invest the money she would have paid towards student loans. My point is that there's more risk in doing so across 13 years because her income could change. If that happened or if she lost her job, it would be far easier to stop investing than it would be to stop loan payments to a creditor.
Another woman in cybersecurity you go girl!!
super stoked to see this video!
2 years program in one year and 60 hour weeks 👀👀👀👀 wtf
Joshy De Luna yea it was a really tough year I still can’t believe I did it. I saved my planner from that year to remember how motivated I was.
@@gavip24 thats not just motivated. Focused and determined as heck! You deserve every bit of it.
god bless this hard working woman wish her and Fetty hop nothing but the best! Keep hustling people!
I don't understand why she doesn't pay off her college debt immediately instead of accruing interest over 13 years??? so confused.
i thought same thing... she could pay that off in 1-2 years if she wanted.
That’s what I thought too. Better to pay it off upfront because you never know what could happen. Could loose that good job and then have to defer and end up owing more. Plus the interest accrued over 13 years would add so much more to the principle. She’ll probably realize that soon and pay off the debt. Doesn’t matter if you save 55k, if you owe 55k ur net worth is going to be 0!
She has goals, she has things to do with that $, if she strictly paid off the loan, she most likely wouldn't own her own house or have much in retirement (compounding interest). If she didn't have the house she wouldn't have over 1k a month, that's 12k a year plus principal pay down. Using loans correctly to leverage your $ is important, she's doing it correctly as long as she's got goals. If she's letting it sit in a savings account, then she should pay them off. But I think she wants to buy another house, then she would rent out her current house and make even more $.
She’s probably making more money investing the money she’d use to pay it off
She’s most likely paying the interest. She could pay the loan off in one go, or invest that money into a lucrative venture. It’s not always smart to pay off all your loans. Also, it could help build your credit.
She’s worked at my local library for the last 3 years?!?! I literally just got home from that library. I need to go back and find her lol
@911WokeMe lol I wish 😄
I respect this lovely lady, very mature, doesn't live beyond her means, she drives an old car, and has a second car she uses for rentals. This gives me motivation to do well and go harder in life
Mad respect to this woman. She deserves all the happiness and success in the world.
Proud to see a Colombian
DA Dominos 🇨🇴 ❤️
LoganTheLionheart still Colombian
LoganTheLionheart Colombian American like me 🇺🇸🇨🇴🇮🇱❤️
Beach Boxing ignorant. My dad is Colombian. Mom is Guatemalan. Yes I was born in Seattle
I'm very proud of this fellow Chicagoan. She turned childhood trauma and abandonment into fuel for success.
She works 7 days a week. Her work ethic is unbelievable just wow !
Graham when he sees her monthly budget: “OMG WTF”
Graham when he sees that almost half of it is towards savings and only $250 on food: *Claps* YES!!!
Why this graham person is always mentioned in every millennials money? He's a fake millionaire and irrelevant
pmanlicious why is he a fake millionaire?
@@SunlightsHorizon don't bother asking envious irrelevant people. You won't learn from them.
@@pmanlicious7117 Yea his fans are horrible.
@@pmanlicious7117 because Graham does a response video for every single episode that's why. No one likes a hater, don't say things like that.
Is it just me who feels like she doesn’t understand that she’s earning a lot like guys? Six figures is a lot for one person. And she’s saving a lot like 1/3 of her income
It’s really not that much, saving 1/3 of your income should be the the goal, maybe even 50%.
@@SK-mr6ov It really is a lot. I don't understand the hoity toity people who think it's not. Statistically she's crushing the median household all by herself. Could she save more? Probably, but most Americans don't save anywhere near 1/3 their income. Her case is a triumph.
KalbiKing I agree she is doing really well, but not well enough to where she should start spending all of it yet. The median household income shouldn’t be something you compare yourself to if you wanna be financially independent. So yes 112k is a lot for the avg but it’s not a lot for people who want to be wealthy. So saving and investing should be her first priority, not spending.
KalbiKing 200k should be her next goal
S K well said
I’m also in cyber security so this gives me a lot of hope! Graduating next year with similar debt.
Katrina U. Do you have IG to connect? I love connecting with other cybersec professionals. 🙌🏼 instagram.com/fab_millennial/
This is one of the more positive stories. She’s so smart, yet so humble.
This video gets recommended to me whilst i'm studying for security+. She is goals.
Beat of luck! I'm thinking about trying to obtain that certification after I finish my degree.
Aww.. she is so relatable. I'm sure great things will happen to her as she's warm, strong and hardworking. This would be my favorite episode of CNBC as well
She is awesome. Intelligent, ingenious, and hard working.
Wow, Gabriela. Your story is amazing, I'm a mexican millenial living in Logan Square. I felt the need to say that because I find myself relating with you so much! You're story is so inspirational. Latina girl Magic.
Wow talk about inspiring! DaddyDouche didn’t break her but motivated her never to rely on others but yourself.
As the old saying goes, " you go girl"
Graham already has the reminder set and ready to go off
Now imagine someone who earns 3000$ a month and has all those bill pays 😟
What makes me to love her most is that she wants to create a center to teach others about cybersecurity. This is the best compassion; teaching others how to fish in order to fish for themselves. I love this. It's my prayer that it will come true.
WOW. She finished college in 2 years??? So inspirational. Your struggles & pain really do make you stronger.
She’ll be a millionaire by 40
Definitely an inspiration .
Just needs to get rid of tht student loan debt
All the best
Why on earth would you take so long to pay off student loans especially when you could pay it off in 2 years easily??
Alison Rotzien if she works for her local government she might be in a loan-forgiveness plan in which after 10 years of working in that position, her loans will be forgiven. So she probably pays low amounts/ minimum amount since they will eventually be forgiven anyways. 😊
For the same reason that you don't pay off home loans in 10years... paying in 13 years helps her saving/spending/invest more money on a monthy basis. Paying it in 2 years would make the monthly payments high. If the interests are low the difference isnt that big.
Yeah, I don't understand why she's dragging it out. Sounds like her goal to save up for another property is taking precedence over paying off the debt. She owns a home already, so I would focus on paying off the debt asap if I were her.
@@kristin7777 My understanding that her job was a separate corporation that got a contract with the government, not working directly for the government, but if that's the case I can understand why. Good point
@@MrVasco9999 Depending on where you get student loans, the interest can be killer. My interest on student loans is 3x higher than my mortgage. And as she said home repairs are costly, if something big where to break and need fixing in one or even both homes, it would be nice to have extra cash to put towards it, instead of having to balance it between debts. Makes enough money and lives rather frugally to keep that much debt around
Love how smart she is with her money! You go girl, God bless you. ♡
This was an excellent story! She tore me up 😢 when she spoke about her Dad. She’s a smart girl and I like that she has a healthy balance of saving and spending. I hate when ppl claim to never buy anything.
23, making 72k. I will make 100k by 25🤗🤙
What do you do for work?
what kind of dad leaves nothing for the daughter
Her is her story but from the way it sound that's just the tip of the ice burg of the issue with her father...
Hey some of us got shortchanged in that department
Lol mine.
A deadbeat dad 😂
I would NEVER want my parents to pay for anything. They need to concentrate on their own retirement instead of trying to leave me something or sacrificing their future..I have more years I hope than they do. Stop being dependent of your mommy or daddy once you are capable of taking care of yourself. Too many of you feel like you need to be enabled..that's the issue todat
So much respect for her! Also cybersecurity is a very smart move as far as career growth. I'm sure she will only be making more and more as the years go by. She has no idea how well she has set herself up for success early. She will someday though! You go girl!
Her dad is so wild wow. But she killing the game 🤝🤝
This is one of the better ones I've ever seen. This girl is humble yet she likes pretty good money and doesn't let that stand in the way of giving the impression she is better than others. Not only that but she's a grinder working on the weekends at the library.
Ok, she’s awesome. I wish I could give her some tips to paying off her mortgage & student loans a lot faster to acquire another property. She’s doing the right thing by tackling her debt, but the slower you pay loans off, the more interest you pay in the end.
Keep up the good work, Gabriela! Awesome comeback story.
I have one word to explain this girl in every aspect in life "smart"!
this girl right here is definition of hustler i rate it 👍
You go girl! Inspiring! Love seeing this! Great job! Don’t forget...
INVEST IN REAL ESTATE!
Gabriela is my favorite new random good person and hard worker! Thanks for sharing!
You are awesome!! All we hear about is how the younger generation spends all their money and here you are killing it!!! Congratulations and good job!!
WE LOVE A STRONG COLOMBIAN QUEEN!!!!
Dude holy crap. Her and I are the same age and I feel so inspired and slapped in the face. She is on her grind like no other!! I was like why she dressed like a hot librarian and there it is! Level up up level up🙌🏾
She's doing great. But. She should really get rid of that student loan asap and see if she qualify for any reductions. With her income she could do it in six months if she just lives on 50k which is still a good income
I’m a 64 yo male. I am a professional in healthcare which allowed me to make an above average salary. I always was aware of the usual maxing out on IRAs and any retirement option available from my employer. I always added Some extra to non retirement investments as well Now that I am retired for 1year and believe I can have a comfortable retirement I’m glade I didn’t always require a new car or boat but trust me I wasn’t frugal.
When I watch videos like this with young adults expressing their understanding of finance it makes me feel there is hope for the future.
Good job. Have fun but prepare for the future.
Plus on a selfish note we need youngsters like you to fund my social security checks.
Everyone on this thread knows nothing about paying off student loans 🤦🏾♀️ SHES DOING AWESOME! You don’t need to rush to pay them off.
great job! but why 13yrs to pay off her student loans?
Interest + expenses
If it's low interest, why not. This way she can save more to buy a rental property
Don't give them a penny more than she has too. I like that. Besides it's a low interest and invest in other things
it's tax deductible. And if your interest rate is low enough you can make more in the market
@@taelorwatson9822 It's only tax deductible if you make less than $50k as of 2018. I'm pretty sure this hasn't changed.
Gab you're amazing, i believe in you and i know you'll do great things in the near Future.
This is the video I never knew I needed. I have a MS degree in Information Systems, but unfortunately I have no money, but I want to take my Comptia A+ and Comptia security + so that I can also get into Cyber security. Thanks for the inspiration.
TDre do you have LinkedIn? I’m the girl in the video and I have an idea for you!
@@gavip24 Hi Gabriela! Great minds think alike. lol. I actually just sent you a message via Linkedln.
I applaud her 👏 She got a good head on her shoulders and focused on her goals.
I’m very proud of her....she’s making a lot for her age....since she has saved for emergency she should actually be able to pay off her student loan in less than 2 years....it makes no sense to pay off in 13.....she could throw almost half her salary towards that debt and be done by 30....
I love this! Great way to show the world that not all millennials are lazy. Go Girl !
Wow she doesnt even realize she can pay off her student loan in 1 year
Dawn Raquel I KNOW RIGHT!!
depends on her leverage. If she her investments are higher than her interest rate on her loans, of course she should pay it off slowly.
GameFuMaster I would agree if the plan was to pay it off in like 2-3 years. But the issue is 13 years is wayy too long and way too risky. She should be the first to realize that money is never guaranteed considering what she went through, so relying on her current situation to make plans THIRTEEN years into the future is a mistake. So many things can happen that may cause her to not have money to pay her debt down, so its better to pay that off as quick as possible just in case. Plus the difference between her interest rate and the returns is likely not that big. Student loans tend to be around 5% interest rate, and average stock market returns are (based on different sources) 7-10%. When you adjust for inflation, that’s not a big enough gap to risk not paying the debt down
Depends on how much interest plus student tax deductions.
Pay student debt after investment falls below interest rates.
Actually I say I have 0 student debt because I can pay it off whenever...
But I have a 3k 3.4% loan I pay min 50 per month.
Helps with credit score plus. I can generate 4%+ per yr in interest at credit unions free money and tax deductions from student loan effective rate us 3%.
Dawn Raquel How can she pay off 55,000 in student loans in 1 year? After taxes, she makes about $82,000 . After that she has to pay her $1,700/month mortgage and her other expenses like food and utilities. So, how can she possibly do that?
She is so amazing! Lord I need to change my job in the Army to set myself up for success when I retire. Keep up the good work! Hooah!
Idk, her but I genuinely liker her she seems like such a humble girl with so much going for her.💕
She’s absolutely adorable! Sending lots of hugs. She made it from being in survival mode to ending life. I need more friends like her.
We should connect! 🙂 instagram.com/fab_millennial/