My parents paid for my college and the day after my son was born i went to the bank to open an education fund! He is 2 1/2 we have currently saved $5000
I always planned that if I ever had children that I'll do the same thing! Open an account for each kid I had and every month I'll put money in it (even if it's 100 dollars each month) until the day they turned 18. It would be so helpful for them and also for me (if I did have children that is 😂)
i respect her financial stability but 6k in investing at 24 isn't much money at all though, she could be making a much higher yield of passive income at that age.
Big Red it’s possible. You can start building credit at 18. It’s also possible she was added as an authorized user on her parents’ credit cards, in which case she’d inherent those cards’ histories and they’d count in her credit score. In either case, it’s definitely possible. I’m 24 and my score is close to that.
Can’t fault her parents for being smart with their own money and having the ability to pay for her college. Although people are saying she’s lucky to have a head start after college with no student loan debt, she is doing a great job at maintaining a sense of frugality at a young age while growing her own wealth. I mean, she could’ve gone a very different way after college as a young woman in the big city on her own, but it appears she has a good head on her shoulders and can enjoy life while keeping a careful eye on her future.
leannarosep thank you for this comment!! Others need to be happy for people who are thriving instead of going the envious, fear-based route by being negative about it. She acknowledged she was privileged to have her school paid for and that’s good. At 24 she’s already at a great place and by 30 she could be doing extremely well for herself if she keeps it up!
I’m sure the two must go hand in hand; that her parents must have been smart with money to be able to give her that gift and she lives her life according to what they taught her. My parents also paid for my college fully and I’m the cheapest person I know!
Exactly. But it's also important to be conscious of generational wealth, and the fact that in order to be "smart with their money," they need to have it in the first place.
BootzDaMan11 I’m in social media and that’s not high for nyc area. Honestly I’m surprised it’s not more considering most social media associate or coordinator positions (below a social media manager role) will be starting at $40-50k!
For that money she probably works in-house for a bank or tech company. Believe it or not, 75k for NYC is a very okay amount of money. She’s not rich or poor, just financially savvy. I liked this because it seems very achievable!
Okay, so whoever her parents are...MAD RESPECT! and #Goals FORREAL! I’m going through so much financial crap right now. I will ensure that my kids will NEVER know what that feels like.
OR you teach your kids how to speak german, send them to a german school and let them study in Germany which cost ... 500 EUROS a term. Not 50.000 Dollars - and most of our universities are better than the ones in the US.
true. To some extent, I'll have to play it by ear. I think if I want them to value smart money practices, I'll have to create ways for them to put these values into practice and, of course, make sure that I'm setting the right example for them.
LivLovesLife Plus don’t many German or other European universities eg. in France, have courses instructed in English ? American kids should go to Europe for cheap education.
My parents also paid for my tuition out of pocket and are currently paying my brother's. They struggled to finish school as working students before migrating to the US. I rarely received allowance because they really instilled in me that, all that I have is a privilege. I was taught to shop frugally, think before buying and that there is ALWAYS another option to material goods. I wanted to get a job when I started college and my parents gave me an ultimatum. They didn't want to see me struggle in life with debt like they have, so if I promised to finish school and contribute in whatever way I can, they would pay for college. So I did just that without complaint. I figured, all the stuff I wanted to buy or places I want to go to, I can do later.
She's a unicorn! Most people are not in her situation so don't worry you aren't alone. I'm 33 and I'm just learning to budget now she's really lucky her parents taught her well and helped with school we didn't all have that. Personal debt in the US is around 13 trillion so trust me you aren't alone it's must more common to see people with debt than not.
why would you have regrets when her parents paid for her lifestyle? i'm sure if we all had parents who had 100k to throw away on a social media degree, we all would be in zero debt.
mizzmolly - she wouldn't have her lifestyle if her parents didn't pay out of pocket for her college. she would be in mountains of debt and would need 3 roommates to live in a decent apt in nyc. are you this dense?
SunKissNicole Had she taken not having student loans for granted she would have definitely struggled after graduating-even without all the college debt. It’s all about responsibility, and mental and financial maturity.
To everyone who’s saying she’s only able to live like this because her parents paid for her college, do you know how many young adults right now have credit card debt for buying unnecessary crap? She had the maturity to not get herself into debt even after graduating. She didn’t take her privilege for granted.
She is 4 years younger than myself and she is doing amazing! Even though she had some help along the way she is humble and disciplined to take her self further. Pretty inspiring to hear her story and get ideas for getting back on track financially.
This combines the best of Refinery29's Sweet Digs and this channel's "How One Woman in New York spends her $$$ salary". Really love the format. Keep these coming!
This definitely doesn't apply to poor families... I prepare for my parents or immediate family. & My parents took care of their parents even though none were or still aren't prepared.
She sounds like such a sweet person. Most of these videos (or all?) are people without kids. As a single parent, I would be curious about how budgets differ as parents.
Taylor R.S I mean of course it’s diff you have a whole other person to pay for and single parent doesn’t mean the other parent isn’t chipping in just as much. There could be a lot of angles and many more stories to connect to more people
She's lucky, alot of people don't have the privilege to have their college paid for them. I think that was what helped her the most, that and her parents teaching her to be smart with money.
@@Cherry-nu3uo yes and she didn't take for granted the help they give to her made good choices and this very importante wen we have to take care of yourself.
Agreed. Any parent subsidizing their children's education would be over the moon of how grateful she is for that opportunity and yet frugal / intelligent she spends her money.
Saving for your kids education is 100% the way to go. I see the difference between the way my friends who were lucky enough to have their college paid for and the struggle I go through with the Amount of debt I have and the difference is night and day. Having that clean slate after college is the best way to do it. I will 100% try to pay for my kids education by saving little by little as they grow.
It was really good to see this video... I just turned 29... Having paid off my 60k student loan over 6 years, i was only able to start saving early last year.. so this video really helped me put my own life into perspective and realise i am actually doing ok and to not stress so much! Thanks for sharing.. ❤
I really love this series. It's so eye opening to see how people spend their money. My own parents won't even talk about finances with me so I've been trying to teach myself as much as I can!!
Love the new productions style for this series. I still wish it had the bank statement aspect sprinkled in a little more. Felt like it was a bit more about showcasing her apartment than how she spends her money
P0k3D0nd3M4cG this guy doesn’t know how it works lol! You can pay before time and more than it’s due and it’s still a debt, so your cs is still not gonna be good.
JennaMarbles simply carrying a balance lowers your score. You clearly know nothing because loan proportion in regards to how much you have left to pay is a massive factor into credit scores
I like how she stated that her parents paid for her college and that gave her a clean slate. Unfortunately every one doesn't have parents to help them like that or even parents that can teach them to be financially responsible. It's never too late to change and set goals for yourself once you realize your mistakes.
I graduated 4 years ago with 25k in student loans. Paid them off within 3 years and now I'm saving. Love these videos! So interesting to see how others maneuver life.
this is literally the perfect lifestyle and everything that i want post grad 😭 shes really living her best life! also my parents are paying for my college but i’m still going to be drowning in debt :/ thanks fafsa
Thanks for making this series and featuring this young but mature minded lady as well as the 2 sisters in Brooklyn ! It was very inspiring & make good role models for others.
i rly love these videos! financial literacy, income, spending, budgeting is rarely taught at a young age, so these videos are super helpful in just understanding how people spend their money. (with both the good and bad!).
Avery Cee are you white or are you Asian? Those are the only two demographics without racial scholarships. As for me, I’m Asian, male and did not qualify for fafsa (DACA at the time.) but still got 30k/year to go to a private engineering/Archie school. Granted I still have to pay around 8k per year, it was still cheaper than going to a state school. During the time, I held down multiple part time jobs and my mother helped pay for the first 2 years of my school and part of the next year and half (I paid for the final year I took.) Now then, if you can’t get scholarship, it just meant that you didn’t try to apply for enough scholarships or your test scores were too low. If that’s the case and you’re poor, you will qualify for fafsa and state schools would be nearly free.
My parents opened a bank account for me when I was six and taught me how to save my pocket money (obviously they had to deposit it for me). I thank them every day for teaching me about financial responsibility at a young age. Also, I don't live in the US so I didn't need to pay a gazillion dollars in college fees.
So glad you guys made this video. This topic should NOT be taboo. It’s astonishing how many people are financially illiterate. I saved up so much money in my 401 k that I kinda regret but now watching this video I feel much better 😣
Finally, one I can relate to. She's almost exactly on par with what I had in savings and investments at that age, though I made less so I had to live with roommates to achieve it. She'll do fine! To everyone watching it's never too late. Start now, living frugally/reasonably and saving is worth it.
Her apartment is gorgeous!! Also, I love how she calls out living a generous life. Yes girl, I love that! -Sincerely, praying for a 1 bedroom as beautiful as yours one day
You’re very fortunate enough to have a spouse (and I don’t mean that in a rude, snarky way). You and your husband at least get to split the bills! It’ll get better for you. I would look at JuCo programs or certification/trades programs!
For anyone who thinks they aren't successful because no one paid for their school, there are many ways to avoid/minimize school loans. 2 years of community college + 2 years of university. Scholarships. Military Service. Degrees that have grants due to low turnout. Forgiveness programs based off time of completion. Etc.
You still need to have parents who are smart enough to make sure you exercise these options. My parents told me I could go to school where ever I wanted and money wasn't an object even though they'd saved $0 for my college. I had about 30k in student loans, they paid over 35k out of pocket and I graduated with a 10k unpaid tuition balance that caused me to be unable to receive my diploma or access to my transcripts. As an 18 yr old I was not smart enough to realize this is how college would end for me. They, as adults should've steered me (and theirselves) in a better/less expensive direction.
Military service lol. What an option. That aside- community colleges, scholarships and forgiveness programs don't exist in the UK. Worked my way through medical school but that was in order to survive, never mind paying tuition
omgsockss It all depends on the person. Many people grow up w/ little and become successful without much help at all. Active parents would help, but it’s folly to think you cannot prosper without them. I’m sorry for your predicament, and I don’t believe you’ve made too harsh of a mistake (or your parents for that matter). Independence is a life lesson you unfortunately had to learn the hard way, but everyone has it hard sometimes...Maybe we should teach children how to take charge of their own lives early on, so they seek out information instead of expecting a play by play all their lives.
Get it girl!! I love seeing financially dependent women! I make 108k a year and am 24. Silicon Valley type of living makes it hard tho. But this is very motivational
i never realised how big of a problem student loans is in the us until i went to these comments where most people are talking about how lucky she is for not being in debt, that's crazy
As someone who resonates so deeply with her since we both have a similar situation (good with money, living frugally, eating healthy, etc) I'm sure we'd make good friends. Only thing is I'm 26, I dont live in NYC and make around $90K living in Missouri
75k (dollars) is a lot in the Philippines. Thats about 3.75 million here, and you could pay for an apartment for a year, my tuition, shopping sprees, clothes, food, etc. Generally anyone who makes that amount her is considered rich.
um ye she lives in new york which is a lot more developed economically than philippines. things are of course going to be a lot cheaper in phillippines thus u can do all these things with that money
New York is a lot more expensive than the Philippines. I live in Amsterdam (NL) and while it is cheaper than NYC, it's more expensive than the Philippines. Average rent here would be around $900 / month instead of the $ 1,800 on housing this girl spends.
this girl has a lot of maturity and you can tell her parents raised her well. her credit score of 830 is just to die for! she has no debt, mostly covers her travel by subletting out her apartment, uses credit cards wisely, does not eat out, and is frugal in shopping for clothes and furniture. she also knows how important an emergency fund is and saves for retirement. she probably works hard at her job as well. I think she seems really solid and healthy financially and will always be in a good place.
related a lot to this.. i share a lot of commonalities with her in financial status, preferences, and lifestyle, except i’m working on a second degree and am still sharing lodging
This is nice to see. Gives me a picture of what I'm aiming for. Blessed to have her parents pay for her college. I know people whose parents paid for their college but have debt in other ways so she was smart about it.
Yes. She may have had some things provided to her, but one of those things was clearly financial literacy. Her parents didn't just give her a fish- they taught her to fish.
This young lady is awesome, bless her and her parents who raised and instilled that financial knowledge those values in her!! Paying for her tuition was just icing on the cake.
She has no college loans. She shops at whole foods. She has incredible luck to get a private 1 bedroom with private yard. Lots of this is luck and unrealistic.
There are people who live like this. It's amazing what having no debt, thanks to parents can do for an individual. Same thing for parents who ensure that their kids don't have to pay rent. Thousands of dollars saved every year! No worries about eviction notices, or increasing rent. Homelessness wouldn't really be a thought for that adult child. This is what parents should do: make it better (not necessarily easier) for their kids. And install a stable sense of humility and financial literacy within the family. I'm sure she's in a good place for both herself and if needed her parents too!
That was a blessing that someone was able to pay for her college! It makes a difference. I look forward to be debt free, by the time I'm 35 and that includes my house! Thanks for posting these types of videos.
You can find some hidden gems in the housing market there, just like this woman did, which makes it more affordable. Plus, since the cost of living in NYC is higher, minimum wage (and wages in general) are higher to make up for this. As someone else said, NYC is the place to go for jobs, especially high paying jobs, considering lots of companies are either based there or have offices there. I live in Michigan currently and one bedroom apartments in my town are just a bit cheaper than NYC and there aren't well-paying jobs around here so I can't afford an apartment but if I got my same job in NYC I could easily afford an apartment there. Also, I personally love NYC so I'd rather have a 1 bedroom apartment there than a larger apartment elsewhere. To each their own!
How are people saying this is unrealistic? It's not like you must be in debt, barely surviving and have a ton of college loans for in your 20s in order to be consider "normal" or "realistic". This comes with financial awareness, making smart decisions but agree, sometimes you need a bit of luck :)
Could we please do a realistic college grad? Like this was nice, it was okay. But we have debt. Can’t afford an expensive apartment without a job because we don’t have rich parents to fall back on. I wish you would do this for real college grads
Are you serious? The average student graduates with over 60 thousand dollars of debt. This isn’t normal to graduate with none. Unless you have a hundred grand laying around, chances are good you’re gonna have debt.
@@Hannah-cy8mm the average is 35k. Even then, your repayment would be about 350 a month. When you make what she makes, 350 a month isn't going to hurt you
Good for her! She's truly living her best life, but yeah parents paying for 100% of your college expenses and tuition is quiteeee the headstart. Wish I could relate.
I am so happy she realizes how blessed she is that her parents paid for her education. Having student loans is the biggest burden. I will NEVER let my kids take student loans.
$1800 for a whole apartment in Williamsburg is absolutely incredible. I’ve always assumed I could never afford to live in NYC, but maybe if I search hard enough it’s actually possible.
WOW. Her parents are amazing parents. They worked hard and were able to sow their financial advantage unto her, which she took and ran with. She is very level headed and does amazingly on her salary. I want to be like her. Kudos!!
amazing? Where half of your chdck goes to rent? You are forgetting she doesnt make 75k..about 20% goes to taxes. I would know i make around the same and pay only 900 in rent and barely make it.
24, aka only 2 years out of college making 75K as a social media manager? I have 2 friends approaching 30 (both in NYC), with much more experiences doing social media, works for very well known companies and they make 55-60K. Something doesn't compute.
I've questioned this too. This would've been understandable back in the mid-2000s when social media really began to boom and you're one of the innovative young professionals who saw early on the potential for how social media can improve a company's PR campaigns/branding... but in 2018? I don't see how she obtained $75,000 with only 1-2 years MAX out of college now that EVERYBODY is on social media and EVERY media, journalism, communications, and marketing student is clawing for these "easy" jobs.
Ahhh! I literally want her to be my best friend. I love how she thinks about money, and I wish I could have a friend who felt so comfortable talking about money and good habits for it.
That’s good, she’s definitely setting herself up for success even if she was to lose her job, definitely budgeting her money in a great way, I like that
I feel like she grew up with her parents living that #DaveRamsey life -- 3-6 month emergency fund, high yield savings, frugal living, giving generously
I'm not even jealous just insanely inspired and motivated.
Same but I'm also a little jealous as well ...
THANK YOU!!!! Finally! I was searching for this comment. Ppl are such haters, that’s why they are where they are.
I'm a little bit of both lol. not hating tho!
same
Me too! I was feeling a little discouraged, but seeing her life a really good and honest life is really inspirational
My parents paid for my college and the day after my son was born i went to the bank to open an education fund! He is 2 1/2 we have currently saved $5000
That's amazing, hes going to appreciate it so much when hes older, you're doing a great job (:
I always planned that if I ever had children that I'll do the same thing! Open an account for each kid I had and every month I'll put money in it (even if it's 100 dollars each month) until the day they turned 18. It would be so helpful for them and also for me (if I did have children that is 😂)
Yup! My daughter is 15 months with over a 1,000. Small contributions will pay off and my parents paid for my college as well.
That's really sad the costs of education in the US. I have a friend with 40 that just finished paying her degree... :(
YAAAAYY
Y'all don't understand how much I love these kinda videos.
same!
Love love love, I'm 24 as well and don't have a salary half as much as she makes but it shows me that It can be done.
How much? Please elaborate? On a scale of 1-10?
@@PritamDas_26 love that place lol.
Marquita Aisha -
Why do you love these vids so much?
CREDIT SCORE AND FINANCIAL LITERACY GOALS
i respect her financial stability but 6k in investing at 24 isn't much money at all though, she could be making a much higher yield of passive income at that age.
It’s sad that credit scores wasn’t taught in high school and college when I was growing up . Most people are in debt by the time you leave college
wanda Shivers She can’t have an 830 credit score at 25 lol , sorry i know all about credit scores and there is now way she can have that high
bradley conn It’s impossible to have a credit score of 830 by 24, i’ve noticed a lot of people lying in these
Big Red it’s possible. You can start building credit at 18. It’s also possible she was added as an authorized user on her parents’ credit cards, in which case she’d inherent those cards’ histories and they’d count in her credit score. In either case, it’s definitely possible. I’m 24 and my score is close to that.
Can’t fault her parents for being smart with their own money and having the ability to pay for her college. Although people are saying she’s lucky to have a head start after college with no student loan debt, she is doing a great job at maintaining a sense of frugality at a young age while growing her own wealth. I mean, she could’ve gone a very different way after college as a young woman in the big city on her own, but it appears she has a good head on her shoulders and can enjoy life while keeping a careful eye on her future.
leannarosep thank you for this comment!! Others need to be happy for people who are thriving instead of going the envious, fear-based route by being negative about it. She acknowledged she was privileged to have her school paid for and that’s good. At 24 she’s already at a great place and by 30 she could be doing extremely well for herself if she keeps it up!
PREACH!
I’m sure the two must go hand in hand; that her parents must have been smart with money to be able to give her that gift and she lives her life according to what they taught her. My parents also paid for my college fully and I’m the cheapest person I know!
Clearly this runs in the family cus she’s definitely taught well.
Exactly. But it's also important to be conscious of generational wealth, and the fact that in order to be "smart with their money," they need to have it in the first place.
The fact that she's a social media manager and making more than 50K is kinda shocking, as well as that she found that place for less than 2K a month
sharon cohen that’s nyc for you. The wages are higher because the cost of living is the shocking part hehe (;
I mean also, it depends on what type of company she is working for or if she is a pivate consultant with multiple clients, etc. You don't know
BootzDaMan11 agreed
BootzDaMan11 I’m in social media and that’s not high for nyc area. Honestly I’m surprised it’s not more considering most social media associate or coordinator positions (below a social media manager role) will be starting at $40-50k!
For that money she probably works in-house for a bank or tech company. Believe it or not, 75k for NYC is a very okay amount of money. She’s not rich or poor, just financially savvy. I liked this because it seems very achievable!
She is living her best life.
We don't know. Based on this video we can't tell. Maybe she is miserable, or happy.
That’s definitely not true lol. I’ll be the first to tell you that money does not bring happiness
Gigi Prabhakaran it bring me happiness more than anything tbh 🤷🏽♀️
Okay, so whoever her parents are...MAD RESPECT! and #Goals FORREAL! I’m going through so much financial crap right now. I will ensure that my kids will NEVER know what that feels like.
OR you teach your kids how to speak german, send them to a german school and let them study in Germany which cost ... 500 EUROS a term. Not 50.000 Dollars - and most of our universities are better than the ones in the US.
true. To some extent, I'll have to play it by ear. I think if I want them to value smart money practices, I'll have to create ways for them to put these values into practice and, of course, make sure that I'm setting the right example for them.
LivLovesLife Plus don’t many German or other European universities eg. in France, have courses instructed in English ? American kids should go to Europe for cheap education.
My parents also paid for my tuition out of pocket and are currently paying my brother's. They struggled to finish school as working students before migrating to the US.
I rarely received allowance because they really instilled in me that, all that I have is a privilege. I was taught to shop frugally, think before buying and that there is ALWAYS another option to material goods. I wanted to get a job when I started college and my parents gave me an ultimatum. They didn't want to see me struggle in life with debt like they have, so if I promised to finish school and contribute in whatever way I can, they would pay for college. So I did just that without complaint. I figured, all the stuff I wanted to buy or places I want to go to, I can do later.
Same i want to become debt free and then have my kids not have to go into debt when they want to earn a degree
I liked this format a lot better than the credit card bill/spreadsheet format.
Book Addict no i like both i wish they could do both.
The bill ones are okay but I feel like this one was more personal. I felt like I was learning about a person not just a credit card statement.
i like this too. we get to see where the money goes and not at some transaction history report.
Same here. It wasn't 10 minutes about what they spend with their credit cards. Still really enjoy these kinds of videos though!
ok, i am jealous and full of regret at how i have lived life
She's a unicorn! Most people are not in her situation so don't worry you aren't alone. I'm 33 and I'm just learning to budget now she's really lucky her parents taught her well and helped with school we didn't all have that. Personal debt in the US is around 13 trillion so trust me you aren't alone it's must more common to see people with debt than not.
so much same wtf
why would you have regrets when her parents paid for her lifestyle? i'm sure if we all had parents who had 100k to throw away on a social media degree, we all would be in zero debt.
catherine - and?
mizzmolly - she wouldn't have her lifestyle if her parents didn't pay out of pocket for her college. she would be in mountains of debt and would need 3 roommates to live in a decent apt in nyc. are you this dense?
Somebody make a parody in this format. a broke college grad with a mountain of debt
The parody is in full view, it is called the USA.
Yeah make it more relatable
Now THATS more relatable
Broseidon going to be me 😂 (we don’t have 60k dollars for college so scholarships and loans are gonna pay my tuition)
I can when I graduate in a year and a half 😂😂😂
It's funny how she is 24 years old, but the everything sort of comes off like she's 30-33ish.
That's because she's never STRUGGLED before. Her parents paid for her debt. So she isn't stressed like the rest of us
SunKissNicole Had she taken not having student loans for granted she would have definitely struggled after graduating-even without all the college debt. It’s all about responsibility, and mental and financial maturity.
@@SunkissNia you can’t say she hasn’t struggled because she doesn’t have debt. don’t downplay other peoples experiences just to make yours seem worse.
To everyone who’s saying she’s only able to live like this because her parents paid for her college, do you know how many young adults right now have credit card debt for buying unnecessary crap? She had the maturity to not get herself into debt even after graduating. She didn’t take her privilege for granted.
Good parenting.
She is 4 years younger than myself and she is doing amazing! Even though she had some help along the way she is humble and disciplined to take her self further. Pretty inspiring to hear her story and get ideas for getting back on track financially.
This combines the best of Refinery29's Sweet Digs and this channel's "How One Woman in New York spends her $$$ salary". Really love the format. Keep these coming!
Indeed! I love it
I’m 25, with a college degree and unemployed.
Same, except I'm 23.
Until recently. I was 38. MBA. Unemployed.
I’m in the same boat, I’m 24.
We are sitting in the exact same boat
Just curious, what degrees do you guys have?
It would also be interesting to see how men spend their money. Is it much different than females?
Might save more
Maybe, but maybe not. I’m female and I hate shopping for clothes.
Men on average give a lot of money to women. There is a mismatch whereby men earn more yet women somehow manage to spend way, way more than men.
I feel like men may spend more/a lot on booze.
Oooooooh yeah
She's 24 years old!?!?! But she seems soo old! Im 30 and the way I am financially, live, dress, & look I'm like a teenager next to her.
olg06 lol same!!!
olg06 yes! She has such a good head on her shoulders!!
also her credit score is INSANE! Mine is great too but that is amazing!! Especially for her age, that isn't a long time to have built up credit!
Same!
OP that's why she makes 75k a year straight out uni and you don't...
90% of your success is dependent on how well your parents prepared for you to be here.
Hard truth, wish I had this
Sounds like a book I'm reading called dream chasers. It's kinda sad how much your familial connections play into your successes.
Absolutely. It's why it so so difficult for those born into poverty to get out of it.
True
This definitely doesn't apply to poor families... I prepare for my parents or immediate family. & My parents took care of their parents even though none were or still aren't prepared.
She sounds like such a sweet person. Most of these videos (or all?) are people without kids. As a single parent, I would be curious about how budgets differ as parents.
Taylor R.S I mean of course it’s diff you have a whole other person to pay for and single parent doesn’t mean the other parent isn’t chipping in just as much. There could be a lot of angles and many more stories to connect to more people
Are you a single mother or single woman with a child? Because many “single mothers” aren’t parenting without some sort of financial assistance.
It’s 2021 and I’m still inspired by her lifestyle and financial choices. ✨
I kept thinking to myself how much I like this person. She's very level headed and i think would be a great friend
Smart girl i love this, great living and responsible.
She's lucky, alot of people don't have the privilege to have their college paid for them. I think that was what helped her the most, that and her parents teaching her to be smart with money.
@@Cherry-nu3uo yes and she didn't take for granted the help they give to her made good choices and this very importante wen we have to take care of yourself.
@@aguardinasantos5829 so true 😏
Agreed. Any parent subsidizing their children's education would be over the moon of how grateful she is for that opportunity and yet frugal / intelligent she spends her money.
Easy enough when you have you're education paid for
Saving for your kids education is 100% the way to go. I see the difference between the way my friends who were lucky enough to have their college paid for and the struggle I go through with the Amount of debt I have and the difference is night and day. Having that clean slate after college is the best way to do it. I will 100% try to pay for my kids education by saving little by little as they grow.
That's awesome. My parents are paying for my school right now and seeing the stress my peers are under pay off loans is honestly heartbreaking.
It was really good to see this video... I just turned 29... Having paid off my 60k student loan over 6 years, i was only able to start saving early last year.. so this video really helped me put my own life into perspective and realise i am actually doing ok and to not stress so much! Thanks for sharing.. ❤
When I say I have been coming back to this video every six months for inspo... I mean it.
Would it be too much to ask for a "where are they now" update vid???
I really love this series. It's so eye opening to see how people spend their money. My own parents won't even talk about finances with me so I've been trying to teach myself as much as I can!!
Thats great you're teaching yourself. I am roo. Good lick on your journey
‘give back to my friends, to my Church and to my community’. Amen. more of this😍❤️.
Love the new productions style for this series. I still wish it had the bank statement aspect sprinkled in a little more. Felt like it was a bit more about showcasing her apartment than how she spends her money
Wow I was shook at her credit score then I heard she had no student loans
The only thing that would negatively affect your credit is if u didn't pay them and/or default. If u have bad credit rn, that's on u LOL
P0k3D0nd3M4cG this guy doesn’t know how it works lol! You can pay before time and more than it’s due and it’s still a debt, so your cs is still not gonna be good.
@@jimjamesjimothy1308 What are you talking about if it's paid off it's paid off. It doesn't effect your score.
JennaMarbles simply carrying a balance lowers your score. You clearly know nothing because loan proportion in regards to how much you have left to pay is a massive factor into credit scores
And she pays both cards off in full each month. What a dream.
When I was 24 I had a part time job, no savings and I was going out all the time. No regrets whatsoever!
I like how she stated that her parents paid for her college and that gave her a clean slate. Unfortunately every one doesn't have parents to help them like that or even parents that can teach them to be financially responsible. It's never too late to change and set goals for yourself once you realize your mistakes.
Can you do one with a social worker who makes 35-50k depending on where they live or which position they’re at?
She probably went to NYU or Columbia for communication and marketing.
Yes. I have a Masters degree in SW and making less in the field than I currently do as a contingent worker w/ a large tech company.
Student loans ups the butt!
I make 96k+ as a social worker. Two jobs though. Manageable.
I graduated 4 years ago with 25k in student loans. Paid them off within 3 years and now I'm saving. Love these videos! So interesting to see how others maneuver life.
this is literally the perfect lifestyle and everything that i want post grad 😭 shes really living her best life! also my parents are paying for my college but i’m still going to be drowning in debt :/ thanks fafsa
This video gives me hope that I may someday have friends to hangout in my place.
Finally someone who doesn’t eat and drink out everyday 🙄. Yes girl. I love her financial literacy. She’s so good and smart for our age.
Thanks for making this series and featuring this young but mature minded lady as well as the 2 sisters in Brooklyn ! It was very inspiring & make good role models for others.
This girl has it all together! Thanks for sharing, what a great way to show young women a good example of what it looks like to be smart with money.
No student loan debt. Fresh start. No problem climbing the middle class after college. Winning.
I can’t even handle how savvy she is and how far ahead financially is then I at the same age. You go girl!
*Reading the title* So we are at the same age.... *have another existential crisis for days*
I literally just pulled myself out of one and now I'm in the hole again
Don't feel bad about that. I'm 26 and haven't even finished college yet...
Kinara Uma, Cheer up Kinara, Maybe some day you could win Power Ball and live on 5th Ave. and have the last laugh on her. ONE NEVER KNOWS.
i rly love these videos! financial literacy, income, spending, budgeting is rarely taught at a young age, so these videos are super helpful in just understanding how people spend their money. (with both the good and bad!).
I feel like it was a very wise choice to not show her face. I feel like thats why we feel inspired instead of jealous.
It's because she's Asian and parents also didn't approve
i’m 22 with a career & financially stable:)
improving by 1% everyday is my goal.
She's so financially secure at 24! That's amazing! Respect!
Must be nice to have zero student loans.
Avery Cee must be nice for mommy and daddy to pay for your college
Gotta get that scholarship son. I got 30k/year. My mother pays for the rest, around 8k/year. Still better than paying 30-40k per year.
Pumpkin P I can’t get a scholarship because of my skin color.
Avery Cee are you white or are you Asian? Those are the only two demographics without racial scholarships. As for me, I’m Asian, male and did not qualify for fafsa (DACA at the time.) but still got 30k/year to go to a private engineering/Archie school. Granted I still have to pay around 8k per year, it was still cheaper than going to a state school. During the time, I held down multiple part time jobs and my mother helped pay for the first 2 years of my school and part of the next year and half (I paid for the final year I took.)
Now then, if you can’t get scholarship, it just meant that you didn’t try to apply for enough scholarships or your test scores were too low. If that’s the case and you’re poor, you will qualify for fafsa and state schools would be nearly free.
Avery Cee enough privilege for you lol
My parents opened a bank account for me when I was six and taught me how to save my pocket money (obviously they had to deposit it for me). I thank them every day for teaching me about financial responsibility at a young age. Also, I don't live in the US so I didn't need to pay a gazillion dollars in college fees.
So glad you guys made this video. This topic should NOT be taboo. It’s astonishing how many people are financially illiterate. I saved up so much money in my 401 k that I kinda regret but now watching this video I feel much better 😣
Finally, one I can relate to. She's almost exactly on par with what I had in savings and investments at that age, though I made less so I had to live with roommates to achieve it.
She'll do fine! To everyone watching it's never too late. Start now, living frugally/reasonably and saving is worth it.
Her apartment is gorgeous!! Also, I love how she calls out living a generous life. Yes girl, I love that! -Sincerely, praying for a 1 bedroom as beautiful as yours one day
I am 25, my husband and I combined make 40 thousand a year. Yet its barely enough to get by sometimes.
@@MiguelLopez-fh7vx Would the same job that pays 40k in the US also pay 40k in Honduras?
@@MiguelLopez-fh7vx you do know finance is typically a well paying career at most companies?
so now you are a team of poor people..
same 🙁
You’re very fortunate enough to have a spouse (and I don’t mean that in a rude, snarky way). You and your husband at least get to split the bills! It’ll get better for you. I would look at JuCo programs or certification/trades programs!
She seems like a really smart and put together person! Your parents (and you) did a great job!
For anyone who thinks they aren't successful because no one paid for their school, there are many ways to avoid/minimize school loans. 2 years of community college + 2 years of university. Scholarships. Military Service. Degrees that have grants due to low turnout. Forgiveness programs based off time of completion. Etc.
You still need to have parents who are smart enough to make sure you exercise these options. My parents told me I could go to school where ever I wanted and money wasn't an object even though they'd saved $0 for my college. I had about 30k in student loans, they paid over 35k out of pocket and I graduated with a 10k unpaid tuition balance that caused me to be unable to receive my diploma or access to my transcripts.
As an 18 yr old I was not smart enough to realize this is how college would end for me. They, as adults should've steered me (and theirselves) in a better/less expensive direction.
Military service lol. What an option. That aside- community colleges, scholarships and forgiveness programs don't exist in the UK. Worked my way through medical school but that was in order to survive, never mind paying tuition
@adygirl13 Not liking an option, does not negate that it still is an option...Many people are happy to have options.
omgsockss It all depends on the person. Many people grow up w/ little and become successful without much help at all. Active parents would help, but it’s folly to think you cannot prosper without them. I’m sorry for your predicament, and I don’t believe you’ve made too harsh of a mistake (or your parents for that matter). Independence is a life lesson you unfortunately had to learn the hard way, but everyone has it hard sometimes...Maybe we should teach children how to take charge of their own lives early on, so they seek out information instead of expecting a play by play all their lives.
I did that and still have debt lol.
THIS SERIES is AMAZING and SO IMPORTANT. What a smart woman.
Get it girl!! I love seeing financially dependent women! I make 108k a year and am 24. Silicon Valley type of living makes it hard tho. But this is very motivational
My parents were amazing for helping me pay for college also 🤗 it truly helps
Her parents deserve a round of applause 👏
I also love her apartment and how she just hangs out in the front yard.
i never realised how big of a problem student loans is in the us until i went to these comments where most people are talking about how lucky she is for not being in debt, that's crazy
I always think of an expensive buy as an investment and she does that with her vintage buys. Love it
As someone who resonates so deeply with her since we both have a similar situation (good with money, living frugally, eating healthy, etc) I'm sure we'd make good friends. Only thing is I'm 26, I dont live in NYC and make around $90K living in Missouri
she's not lame at all in the way she's spending her weekends 🤩 she's my inspo
75k (dollars) is a lot in the Philippines. Thats about 3.75 million here, and you could pay for an apartment for a year, my tuition, shopping sprees, clothes, food, etc. Generally anyone who makes that amount her is considered rich.
um ye she lives in new york which is a lot more developed economically than philippines. things are of course going to be a lot cheaper in phillippines thus u can do all these things with that money
New York is a lot more expensive than the Philippines. I live in Amsterdam (NL) and while it is cheaper than NYC, it's more expensive than the Philippines. Average rent here would be around $900 / month instead of the $ 1,800 on housing this girl spends.
$75k in new york is like $50k in a modest location
Yeah but the phillipines is a third world country, and NYC is one of the most desirable cities to live in worldwide. You do the math.
Yes and?
this girl has a lot of maturity and you can tell her parents raised her well. her credit score of 830 is just to die for! she has no debt, mostly covers her travel by subletting out her apartment, uses credit cards wisely, does not eat out, and is frugal in shopping for clothes and furniture. she also knows how important an emergency fund is and saves for retirement. she probably works hard at her job as well. I think she seems really solid and healthy financially and will always be in a good place.
related a lot to this.. i share a lot of commonalities with her in financial status, preferences, and lifestyle, except i’m working on a second degree and am still sharing lodging
She’s one of my favorites. So smart and frugal. Love it. Inspiring.
This is nice to see. Gives me a picture of what I'm aiming for. Blessed to have her parents pay for her college. I know people whose parents paid for their college but have debt in other ways so she was smart about it.
Yes. She may have had some things provided to her, but one of those things was clearly financial literacy. Her parents didn't just give her a fish- they taught her to fish.
This young lady is awesome, bless her and her parents who raised and instilled that financial knowledge those values in her!! Paying for her tuition was just icing on the cake.
She is saving a surprisingly small portion of her income considering her salary, even with the 401k and zero loan repayments.
This was my favorite of these types of videos. I really liked her attitude and outlook. Beautiful place! ..and coat collection lol 😍
She has no college loans. She shops at whole foods. She has incredible luck to get a private 1 bedroom with private yard. Lots of this is luck and unrealistic.
There are people who live like this. It's amazing what having no debt, thanks to parents can do for an individual. Same thing for parents who ensure that their kids don't have to pay rent. Thousands of dollars saved every year! No worries about eviction notices, or increasing rent. Homelessness wouldn't really be a thought for that adult child.
This is what parents should do: make it better (not necessarily easier) for their kids. And install a stable sense of humility and financial literacy within the family. I'm sure she's in a good place for both herself and if needed her parents too!
That was a blessing that someone was able to pay for her college! It makes a difference. I look forward to be debt free, by the time I'm 35 and that includes my house! Thanks for posting these types of videos.
As much as I Love NYC I wouldn’t want to live there. The rent seems so much for 1 month you could easily get 3-4 bedroom apartment elsewhere
Ishan Ali
Where though, where it pays a decent wage? NYC is where the jobs are.
Except for most counties in SoCal
just get roomates
A lot of people that want to live in NYC will actually get apartments in New Jersey because it's a bit more affordable but still very close
You can find some hidden gems in the housing market there, just like this woman did, which makes it more affordable. Plus, since the cost of living in NYC is higher, minimum wage (and wages in general) are higher to make up for this. As someone else said, NYC is the place to go for jobs, especially high paying jobs, considering lots of companies are either based there or have offices there. I live in Michigan currently and one bedroom apartments in my town are just a bit cheaper than NYC and there aren't well-paying jobs around here so I can't afford an apartment but if I got my same job in NYC I could easily afford an apartment there.
Also, I personally love NYC so I'd rather have a 1 bedroom apartment there than a larger apartment elsewhere. To each their own!
I'm so inspired! I absolutely love this apartment!! The front yard!! 😭❤️
She is doing great! So proud of her!
Love the more visually appealing filming rather than the statement breakdowns
No lie. I am so jealous and salty rn 😂😂😂
This format (showing her apartment, clothes, shoes, etc) is so much better than having the person sit in a chair and read a boring list
How are people saying this is unrealistic? It's not like you must be in debt, barely surviving and have a ton of college loans for in your 20s in order to be consider "normal" or "realistic". This comes with financial awareness, making smart decisions but agree, sometimes you need a bit of luck :)
She is goals. I want to be a social media manager, travel, and be finacially well. I love her apartment too.
Could we please do a realistic college grad? Like this was nice, it was okay. But we have debt. Can’t afford an expensive apartment without a job because we don’t have rich parents to fall back on. I wish you would do this for real college grads
Hannah Pollan I volunteer myself. Lol. I just graduated but have a ridiculous amount of debt.
She IS a realistic college grad. Just because she doesn't have debt doesn't mean she's not.
You don't have to be rich to graduate without debt.
Are you serious? The average student graduates with over 60 thousand dollars of debt. This isn’t normal to graduate with none. Unless you have a hundred grand laying around, chances are good you’re gonna have debt.
@@Hannah-cy8mm the average is 35k. Even then, your repayment would be about 350 a month. When you make what she makes, 350 a month isn't going to hurt you
Good for her! She's truly living her best life, but yeah parents paying for 100% of your college expenses and tuition is quiteeee the headstart. Wish I could relate.
I am so happy she realizes how blessed she is that her parents paid for her education. Having student loans is the biggest burden. I will NEVER let my kids take student loans.
$1800 for a whole apartment in Williamsburg is absolutely incredible. I’ve always assumed I could never afford to live in NYC, but maybe if I search hard enough it’s actually possible.
if you search hard enough you can find a cheaper place. i live in brooklyn and the rent is $1700 with 3 bedrooms and a pretty okay size bathroom
There's even cheaper places than that...........
Amazing. And I love her view on enjoying life and money. She is blessed!
This was the best episode so far❗️I really enjoyed the visual aspect ✔️
WOW. Her parents are amazing parents. They worked hard and were able to sow their financial advantage unto her, which she took and ran with. She is very level headed and does amazingly on her salary. I want to be like her. Kudos!!
She has an amazing life!
amazing?
Where half of your chdck goes to rent?
You are forgetting she doesnt make 75k..about 20% goes to taxes.
I would know i make around the same and pay only 900 in rent and barely make it.
DarkFlameMaster 2105 Considering she doesn't have student loans to pay back and seems incredibly happy, yes, I would say she has an amazing life.
You could afford an 1800$ rent @18? Wow
I think what she meant by that is she's been living in NYC for 6 years so when she was 18 she probably went to college in NYC.
Her parents paid for her college, they probably helped her with rent too. She is living her best life lol
Yeah
Doubt it. Shes probably only been in that apartment for 2-3 years.
her parents did everything for her. she didn't earn anything
24, aka only 2 years out of college making 75K as a social media manager? I have 2 friends approaching 30 (both in NYC), with much more experiences doing social media, works for very well known companies and they make 55-60K. Something doesn't compute.
She probably went to NYU which makes it easier to get a high paying job
I'm sitting here saying the same my husband works for a govt agency and makes less in nyc how she making that much ?
@@uglydoll6361 government doesn't pay well in general... Private industry has more margin for negotiations
There are companies that pay well above the industry average. That's not surprising.
I've questioned this too. This would've been understandable back in the mid-2000s when social media really began to boom and you're one of the innovative young professionals who saw early on the potential for how social media can improve a company's PR campaigns/branding... but in 2018? I don't see how she obtained $75,000 with only 1-2 years MAX out of college now that EVERYBODY is on social media and EVERY media, journalism, communications, and marketing student is clawing for these "easy" jobs.
The muttered "Within reason" that followed "People can stay as long as they want" was comedy gold
And why are they giving us prices on soap and light bulbs? .
To see her cost of living at a glance...I'm starting to see that I spend a lot of money on everyday things my moisturizer cost $48 alone
I think it's to show she's not buying Tom Form deodorant and Goop cleaning products. Girl is keeping it real!
What she spends in a year
I keep coming back to this one! So inspirational
Ahhh! I literally want her to be my best friend. I love how she thinks about money, and I wish I could have a friend who felt so comfortable talking about money and good habits for it.
That’s good, she’s definitely setting herself up for success even if she was to lose her job, definitely budgeting her money in a great way, I like that
The problem with America: teachers don’t even make $74,000.
This is so important to see!! I am already learning so much. Plus it’s super cool to see a successful women’s finances!!
I feel like she grew up with her parents living that #DaveRamsey life -- 3-6 month emergency fund, high yield savings, frugal living, giving generously
Yep!! I thought the same thing
yup and now she's killing it. What a goal in life
With No debt , no student loans.. sounds like someone around her was on Dave’s plan 👌🏽
Her apartment looks so cozy!! I feel so inspired now, u r doing great guuurrlll❤️❤️❤️