5 Jobs That Create the Most Millionaires
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- เผยแพร่เมื่อ 30 เม.ย. 2024
- Excerpt from This Past Weekend w/ Theo Von #498 | Dave Ramsey
Full Episode: • Dave Ramsey | This Pas...
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I’m a dentist. I’m rich. I know a lot of broke dentists tho. They all drive better cars than me, live in a bigger house than I do, and have a LV bag. They talk about student loan debt like it’s a fact of life, mine is paid off. It blows my mind how bad my colleagues are with money and the poorest one I know makes well over $100k/year AFTER taxes. They have NOTHING to show for it. They made fun of me for aggressively paying off debt and driving a RAV4
Good for you! Blows my mind how people inflate their life like that. Better to have wealth than the appearance of wealth.
What's the point of having money if you can't buy nice things
@@chrisbrown2211 You can help your family. You can give your children a future. If things are hard now imagine how much wealth you need in a few decades.
security. generational wealth.
How do you deal with all the anti dentites?
My youngest son is a master plumber, went into a four year apprenticeship…worked 40 hours while doing the school part…no student debt, lives frugally and saved all his money, Owen’s his personal vehicle and work van outright. He is 30 years old, started his own business and is getting ready to purchase his first home with a small mortgage and purchase a small fixer upper with cash to use as a rental property. His father passed away the month after he turned 13, did all this on his own. Don’t say it can’t be done. Hustle!
Love hearing these stories of young blue collars working hard and saving. Bravo young man!
Your youngest son? And his dad passed away? How are you commenting on TH-cam from the grave?
@@donotcomply1628 I am his mother, his dad passed away the month after his son…my son…turned 13. I raised him to be responsible and smart. I’m not commenting from the grave, very much alive.
@@donotcomply1628perhaps his mom?
@@donotcomply1628step dad maybe
"if you're an engineer there is only one way to do it" spoke like someone who hasn't met any engineers lol
Exactly! I'm an engineer and that the opposite of what we describe our job as
I'm not an engineer and I thought the same thing.
Think big picture, organization, coordination etc
agreed, its all about "BREAKING THINGS" less about systems of success, more about "re-inventing the wheel over and over"
What he mean, is there is a set a parameters engineers work within standard engineering practices.
"You shouldn't steal people's hope man, that's evil" - great fucking quote
This is a Collab i did NOT see happening
My wife and I took Financial Peace University prior to getting married. In June we will be married 16 years. She is a teacher and I am in sales. Paid off home. No debt. The house is worth $850k. And we have close to 900k in the market. It can be done. We are ordinary people. And live in a high cost of living area. Paid off the house 11 years 4months. Still no debt. 44 and 38 years old. It can be done.
how much does your household make? If you don’t mind me asking
@@byRoyalty married 90k now close to 300k
@@captainmo3064 damn. my girl and I in our mid twenties have been living together for about 2yrs and bringing in combined about $130k. I am also in sales to try and increase my income.
I live with my parents still and our combined 3 income is less than $100k. We barely survive, all driving 15 year old cars and eating at home every night.
Your an inspiration brotha!
The reason there are more engineer millionaires than doctor millionaires is that there are way more engineers than doctors. But he’s right about the process mindset.
I knew immediately where this was going at 1:40. I just cant imagine not adjusting for frequency. Meaningless stat without it.
I think the problem is that they surveyed only the millionaires instead of surveying random samples of the specific jobs. Adjusting for frequency here would also make the entire study obsolete because there would be no data, right?
Engineering economics
In my area buying a house was a no brainer. Rent went up to 2500 a month for a small 2 bedroom. A house that was once worth 200k is selling for 400k. My wife and i spent 8 years saving everything we could. We stopped going out. We stopped eating breakfast for christ sake. And finally someone took our offer and we moved into a home that had a mortgage payment lower than avg rent in our area. Now. What weve done was a great achievement, but still....in this greta country it shouldnt have been as hard as it was. We have to stop this big companies buying up property for airbnbs
Long as you can afford roofs ac pumps fence deck replacement etc a house is a blessing i know alot of people with no ac and leaking roofs cause they cant afford to fix it
@@jasonleatherwood2172 Not to mention all the compound interest paid on a 30 year mortgage. When you do the math at today's 7% rates, buying a home is NOT an investment, it's a purchase.
How are you going to stop them. I'm down
@@Bread996 yeah paid my house off in 13 years if i ran it all the way too the end of 30 years with repairs taxes insurance total mortgage cost i did the math versus renting is basically the same now if ur smart like me pay off in 13 years yeah ur doing much better
Same boat. Bought my house for 102, and now it’s valued at 4. Cars are paid for, and my wife and I are happy. Our mortgage is literally cheaper than a one bedroom in the ghetto. It’s wild how bad people are with money.
1. Engineer
2. Accountant
3. Teacher
4. Management
5. Attorney
A public school Teacher is a low paying job sadly. They meld the minds of future, Dr, lawyers, actors, presidents, athletes, ect. They should start at a bigger salary. And public school to teachers have to pay out of pocket for class room expenses
@@JCtheComicGeek 90% of teachers are lazy
@@JCtheComicGeek sadly they only work half the year
As a teacher, I'd say thats categorically untrue. We also get far less PTO because of school vacations and a big chunk of that summer is spent in training.
That being said, far to many teachers use it as a fall back job. Couldn't make it in corporate and ended up in education which dilutes the education experience and hurts quality.
We need higher standards for who can be a teacher and higher pay since they would need to up credentialing
@@Canadianfalcon far to many?
I don't often like Dave on his own show, but this was a good episode. It's probably good for him to be the one getting interviewed once in a while.
He has some good ideas, but his quasi religious business mix is suspect as hell
@RobbaKeef yeah, I agree. I don't know how any of it fits in with giving solid financial advice or why he doesn't allow his employees to have pre-marital sex. Seems like a huge over-step, and he knows people will agree to it because he offers solid employment packages.
@@GlassJack I had an older couple cancel their whole life insurance because Dave Ramsey came to their church and said people should only have term life insurance.... meanwhile they had just refinanced their house and both over 65 and the husband was still working.... not the best time to cancel your life insurance... one size fits all solutions. Don't translate a lot of times.
Theo; "How do you come upon these millionaires?"
"The same way you come on thousandaires."
My man is the problem with these boomers literally hoarding properties and selling them for 10X what they paid right before they die. I understand I sound whiny but it’s literally bullshit how much homes cost
@chrisgooglemapsBuddy it’s not the same thing lmao? Bitcoin cost 1 cent in 2012 a house in 2012 $160k? Maybe understand your metaphors before commenting.
Paid off a 600-700k house with that much in your 401k at 42?! Wtf? Guy had to be making 100k+ every yr for 20yrs for that to happen. That only happens for 1-2% of people, and not because of a lack of motivation.
I'm interested in investing, but I'm not sure where to start. Do you have any advice or contacts who can help me out?
Investing can be complex, so it's smart to get professional guidance when building your financial portfolio.
It's a great idea to have a conversation with financial advisors like Naomi Dean to reshape your portfolio.
I spread out my $25k portfolio across various markets to diversify my investments.
That's awesome! I ended up making a net profit of about $115k by investing in high dividend yield stocks, ETFs, and equity.
Naomi Dean stands out from other brokers because of her realistic approach, unlike those who often set unattainable targets and fail to deliver. She's truly unique!
Air traffic controller here. Will retire at 56 worth around $2m, assuming no major emergencies.
what investments did you make to get there?
@@fendi2581I max out my TSP and IRA.
How do you feel about making that your career? I'm not knocking it we all gotta do something but I've heard from quite a few ATC's that they wish they reconsidered their career choice and that working conditions have continually gotten worse over the years, etc.
Stress to income not worth it. High suicide rate. Pass.
@@danielcsosa96without a doubt the best decision I ever made. I work 4 hours a day. Get paid for 8. Sunday premium pay, overtime when I want it. 22 federal holidays, double pay if you work them. Generous sick leave, PTO. Great pension. The list goes on.
Dave's shirt is holding on for dear life
Big wallet big belly
House we bought in 2013 for 600k up a million now. Florida crazy. Just paid it off.
Sell it and buy bitcoin
Don’t forget that a million today was only 250k in 1980. A million isn’t what it used to be
That's true, but if your worth a million your still living pretty comfortably.
My cousin is a public teacher in Northern Minnesota. Town of 300 people. Slowly but surely, buys properties.... gets to 50 some doors and retired at 52. One of the wealthiest dudes I know.
Nice, he own mostly single family homes, apts or a mix?
these days grifting seems to create the most millionaires.
Yup, and Dave is a great example. Whole website is a grift lol. anyone with a self proclaimed "university" is a grifter
@@BORGES1810 You can listen to his radio show or free, take the advice he gives, and get ahead. Not much of a grift if you don't have to pay for it.
Lol. Untrue.
@BORGES1810 losers complain. I'm close to being g a millionaire thanks to Dave's teachings. I'll be rich. You'll complain. At the end of the day it's your own choice .
@@byronrogers4489 sure buddy🤣🤣🤣& only close to being a millionaire? I’m actually a multi millionaire & once worked with & fired Dave. He’s a certified grifter, making money off bros who can’t think for themselves
I can say from experience he's right, I started from scratch and I got there but I had to follow the process.
First-time home ownership is over especially in Tennessee.
We've realized we'll never own our own home when "starter homes" are 350k at 8%. We've put in 77 bids over 4 years ALL outbid by cash offers.
Only thing affordable in Colorado is a 40 year old trailer with a $900 a month lot fee.
In Tennessee? Woaw every says the homes are the cheapest cuz noone wants to live there n I been hearing this from ppl who lived in Tennessee n others who were looking to live in tennesse for the last 20+ years , amazing all of my friends lied to me
Try living in Australia 350 k gets you the land no house
Move to an affordable state or vote trump
@@mr.doctorcaptain1124trump raised taxes for us normal folk, went into affect last year. He didn’t do jack shit for the average man, you fell for the bait, again lol.
I grew up next to a millionaire. He got his money through selling fire wood. When people used wood to heat their homes. You wouldn’t know they where millionaires. They didn’t have children. Everything was very well kept. Even the lawn mower was 20 years old looked like it was purchased that week. The only thing that he did that would let you know. When he went to the bank. He didn’t go into the bank. The manager would come out to his car with the paper work and it would be done there. The other thing is when he passed the family member that you never saw where there like vultures. His wife had a heart attack/ stroke waking up next to him after he had passed. His brother found the will. Will got destroyed. Making it so he would be in charge.
I agree with Dave's assessment that most self-made millionaires are "process" kind of people. I, for one, am very much a process thinker. I can see projects from start to finish. Once I started investing, it just became a project. I'm a retired tool and die maker, and always been good with numbers. He's right about home ownership. I had my first home paid off at age 44, first million net worth by 50, 2nd million at 60. Now at 67 we're looking at 3 million in net worth. Yeah, even I shake my head sometimes wondering how this kid from a little mill town with no college education did it.
I’m a machinist. I worked internships in high school that lead to me finding an employer that would pay for my college. That employer also put me through an apprenticeship. That apprenticeship allowed me to advance myself in my machining career and become an adjunct instructor at the college that I graduated from. I worked days as a machinist and nights as an instructor. My house is paid off, I max out my 401k, and I max out my ROTH IRA every year. You’ve got to work hard and save if you weren’t born with the silver spoon up your butt. Invest in yourself and learn a trade.
Great video, Alot of the millionaires are heirs. Real selfmade millionaires are investors . And there is nothing like luck but taking risk and timing included. And you need a some education. To become a millionaire by yourself should not be a goal (depends on country) because its just out of reach, i pray that anyone who reads this will be successful in life too 🙏🙏
You're right, you've remind me of what someone once said "The mind is the man, the poor is in it and the rich is it too". This sentence is the secret of most successful investors. I once attended similar and ever since then been waxing strong financially, and i most tell you the truth..investment is the key that can secure your family future.
I agree with you had a senior colleague at work who was doing well but never had an investment. Unfortunately he lost his job and went from living a comfortable life to hardship. There would had been something to fall back on if he had an investment
That's why I always urge everyone to start somewhere now no matter how small, this is literally the time for that, forget material things, don't get tempted,i became more better the moment i realized this.
yeah investment is the key to sustaining your financial longevity but venturing into any legitimate Investment without a proper guidance of an expert can lead to a great loss too
exactly! That's my major concern and what kind of profitable business or investment can someone do with the current rise in economic downturn
Same results as 20 years ago in "The Millionaire Next Door." Great read for those interested. Also teachers are so high on the list because they learn to budget and not spend beyond their means since they don't get paid during summer break. They're sort of forced to learn to become savers.
Learn a skill, work as much as you can, have low expenses, don’t keep 100% of your money in a bank reinvest in your skill. If you have people around you that don’t give you support find people that do.
Very underrated comment.
Love dave, great episode
Being in the engineering field I’ve learned that engineers just do everything. Look at your finance, marketing and management teams and I bet some have engineering degrees. Having an engineer on those teams allows you to bridge the gap of the technical and business side of a company which usually causes conflict
Love that throwback UK jacket 🐱
I am an engineer following his plan 😂. It makes sense now to me! I NEED the process and guidelines of his plan. I also found a 12 step program in recovery has healed me more than any therapy! Now it all makes sense.
I am and engineer and the ones I work with along with me we all have similar mindset so it’s not suprising it’s top5, but putting my engineering ego aside (it’s huge), to the defense of doctors and lawyers is they are underrepresented in the population. I I would like to normalize the data to see percentage of careers/professions that are millionaires.. that may help those fields quite a bit since my guess is there are more engineers?
@matthew7iu9fenton55 It’s not what you do for work. It all comes down to spending behavior, saving/investing, motivation and making good choices.
As a finance person who has worked with several engineers, its mindset. Engineers are numbers driven and result oriented -six sigma and continuous improvement. Doctors are not as disciplined in those areas.
Bold choice with the one button on the belly :). I’m not sure if I’ve seen this before
Theo often plays footsies with himself, putting one shoe atop the other, and Ramsey does the same thing lol 03:48
My wife and I amassed over 2 million dollars between our home and 401k. I’m a construction worker in my mid 40’s. I’ve been investing in my 401k aggressively to the point that I’m almost living check to check but I do enjoy watching it grow.
This made me so happy 🥰
With the 401K guys I wonder how much they were making a year. Likely wasn't 30k.
$100k minimum
I was a HS maths teacher 32k yearly salary had a 401k n it's not hard to be worth a million dollars
@@adamspivey Yeah but you won't acquire a million dollars in it, not even over 200 years.
@RealMTBAddict depends on how much you contribute and your investments. But yeah, it's not going to happen over night.
@RealMTBAddict also, I think he said your over-all "worth".. like having assets and investments worth $1 million+
Dave Ramsey is a realtor.
Slow but steady wins the race.
401k's are great. If your company offers a contribution match, you're instantly doubling your money, it doesn't matter how much you make to start leveraging that early.
LETS GO THEO
ive met a handful of well off people working my in peoples houses with my business. they come in all shapes and sizes. the richest man ive met started out as a house painter, was eventually building houses all over canada under his own company. dude had a big ass crew for like every trade
Never thought that these 2 would be do an interview. 👍🏾😎 the irony is allot of teachers marry engineers
I don’t think it has anything to do with processes, it seems like a doctor would have much more process to follow strictly than many of these other careers.
Maybe it’s more about the upbringing of those people who choose these careers, I would think that many doctors came from a somewhat wealthy family and therefore didn’t learn how to be frugal and save what they make, also seems like the top four of these careers are somewhat lower cost to entry which attracts the type of people that are being smart and frugal with their money.
I’m sure there’s more to it too
These are VERY braod categories of professions. Chances are these millionaires are people in very specific niches of their field that pay very well. Ie, engineers = computer science, teachers = tenured professors at large universities, management = directors & c suite.
Time and compounding is the key. If you invest $800 a year in a Roth in S&P500 starting at age 18, you will have $1M by full retirement age. Exponential growth (compounding) is a crazy thing that the human mind isn't set up to readily understand.
Also, good luck convincing an 18 year old to save money.
Being born into a real estate family and selling idiots on finance tips that all require you to be middle class to begin with seems like a pretty solid racket.
Keep this going Theo
Trust the process
that jacket toiiiight
“42 and has a home paid off.” This is 2024 and most people who are in their 30’s now will be lucky to even be paying a mortgage on a home when they are 42. That in itself is a big achievement considering how much further the goal posts have been moved in recent years. Ramsey is right on some of the things he says but he is seriously out of touch.
Only stupid people pay off their houses. 😂
Not sure if it’s touched on later in the conversation. Hopefully they talked about age. It’s not about getting a job at 25 then being a millionaire at 26. Time and process.
2:10 Where's family construction businesses? I work with quite a few millionaires (on paper) who are just contractors. Sometimes doing additions, sometimes houses, sometimes odds and ends etc. And they just have a dozen plus sub-contractor relationships over the years and one or two main crews. Heck of a lot of work though. And you got to start the bottom or it'll never work.
They only surveyed 10k people. And these are the top 5, maybe those business owners are further down the line.
So, does anyone else hear the same thing in the same style every time Dave "speaks"? lol.
Study done in 1982…..lol
The sad part is that $1 million isn’t very much anymore
How would you know? 😂
What do you mean? If I have no debt whatsoever AND the million never earns interest I could live 15-20 years on it.
Thankfully you could still work and it accrues interests.
@@Jbb7272 run the math… 1 mill at 3% is 2,500 per month and take out 40% for taxes (federal, state, fees, insurance and erosion of 30% due to inflation each 5 years equates to …. Wait for it $1,200 or $600 per couple per month ain’t a lot.
It’s not too bad. It easily produces a $80k/yr paycheck without spending the principal. Thats a fairly nice buffer in your day to day budgeting.
Rule 1 never listen to a man that tries to get you to pay for a course that makes them millionares
Instead listen to a guy commenting on TH-cam who isn’t a millionaire
I kind of feel like if his products and services didn’t provide value then no one would give money for them.
But it’s just a feeling.
@@Jbb7272 awful way of looking at value. McDonald’s makes billions every year and what value does it provide other than quick shitty food that makes you fat?
@@fhgdngdfh The convenience is what gives it its value. And right, wrong or indifferent… obese Americans value the convenience over their health.
So there is still value their and McDonalds is the best at marketing their value.
I agree with home ownership but your primary residence does not contribute to your net worth because it's not an asset it's technically a liability.
The equity you build in it is an asset
@@docd2295Yeah, as long as you keep track of all your maintenance and repair costs and subtract those out.
The standard definition of net worth does include primary home equity.
@@docd2295 Only if you subtract all the costs you put into the house.
"Sell everything you dont need including your family pets, stop spending money stupidly, oh and buy my stuff." -Dave Ramsey
Dude, you can obtain the foundational stuff they put out for free...not that hard.
At least he’s not selling get rich quick. He serves legitimate financial advice for the most braindead among us.
People like you are his biggest customer base
@@KToll5784 people like me?
@@tylervasquez1627 sure
He didn't tell us whether there might only be more of people in those occupations than in the overall population.
Doctor's aren't bad at managing money, they have to spend $500+k in student loans, and postpone getting a real paycheck for 7-12yrs.
My nephew just got accepted to dental school and his tuition alone is over $100k a year. Our educational system is broken. It doesn't cost 20x as much to educate a dentist as it does an engineer with a 4 yr degree.
😭
“Doctor is are not.” 😅
@@gyrated autocorrect got me 😉
It should be on per capital… it makes no sense cause there are way more teachers/accountants than doctors
Recent study showed 94% of viewers were Dave ramsey fan.
He makes it sound so easy like we all can afford a 600000 home and save that same amount by 42. Hell, engineering degree's ain't cheap. Also One million ain't what it used to be either.
I did it. My degree cost less than $30k. 🤑
I get what he’s saying about owning a home and 401k - it’s good advice but not perfect. Maybe you’ll be a millionaire when you eventually sell your house and assuming your 401k did well enough. Maybe you’ll have a million plus, but will that be enough to live on however many years down the road ? When you sell your house that you live in for a massive profit ( assuming that’s still an option ) where will you live ? Buy a new place ( at the current market value / take a huge chunk of that profit ) or rent ? If you stay in your house as long as possible, you’d maybe be a millionaire on paper, but a huge chunk of that is unrealized so you’d really be living off the 401k and social security assuming that’s not completely bankrupt by then.
Still way better to have the house and 401k vs. nothing, but not the automatic win for retirement.
THINK LEVERAGE....use the EQUITY of home to leverage the capital needed to make more money...nothing ventured nothing gained.
Don’t think too far into it you’ll ruin Dave’s narrative.
truckers do good too , i truck , the challenge is to get out of the trap of working paycheck to paycheck and feeling hopeless so the little money u could save u spend on stuff or weed or beer , the way out of the trap is learn something that the worlds in demand of like truckers or teacher or plumber etc but the secret sauce is to find something u like
The key to getting out of the trap is a retirement plan and saving any extra money you make. The hard part for most people is the saving, way too many opportunities to blow your money.
@@fhgdngdfh I think that’s the thing is you have to believe you can escape the trap until that happens you’re just living for the day
I didn’t think your primary residence contributed to your net worth, I always thought the technical criteria to be classified a millionaire was to have a million dollars in assets minus debt and or cash on top of your home irrespective of its value.
Standard definition includes your home equity.
I tend to agree with you. Perhaps if you rent a suite from it you could consider it an asset. You'll feel much better if you have $1mil+ liquid assets to call yourself a millionaire. No one will debate it.
Let’s not forget to mention that being a millionaire isn’t making you a rich person anymore.
How is teacher on the list?
I work at a school. Many teachers make close to 6 figures and are super super cheap.
Psh, buying a house is simple. Especially here in California… before y’all say move, I would love to but I’m working overtime on my mental health and I need the support system I got here. I’ll figure it out though. Just don’t give up amigos
If you have a support system, maybe move in with them and save up
I’m a pilot and make bank. Cant believe we didn’t make the list. Oh, and I didn’t waste time getting a degree, not necessarily to be a pilot
Didn’t realise engineering was so easy - just follow that one way to do it
Hes not talking about making a million.
Hes talking about retiring as a millionaire, with only a million, that will be taxed heavily when you do retire
Teacher? Yeah, if you count becoming a millionaire by marriage.
I SEE YOU
Makes no sense to me lol😂
Teachers above doctors and lawyers
Investment bankers aren’t on the list ?
What Ramsey and many don't get is if the dollar collapses, your 401k, Roth IRA etc go too. Anyone buying a house right now with a mortgage at 7.5%, rising property taxes, insurance etc is absolutely silly. Dave saying teachers who make $33-45k (most) a year right now with the price of everything sky high have the "secret sauce" in becoming a millionaires is silly. Even two teachers making 90k a year will be broke just living.
IMO: Easiest way to become a millionaire is to start a business and grow it to $200k profit. Then you can sell it to an investor for 5X earnings.
How many times did you do this? 🤑
Has Dave heard Theos comedy?
The reason for so many millionaire teachers is because 75% of them are female and just naturally married men who make a much better salary. They kinda have to with how little they make. So that data is kinda skewed. I'd like to see the data on millionaire teachers who are the primary breadwinner.
The Dave Ramsey method will make you financially free. You may become a millionaire along the way.
A net worth of a million is not a millionaire let’s be honest. There is a huge difference between someone with a million in cash and someone who has things that are valued at an amount
People think millionaire means million(s) in the bank account ready to go
Strange combo
All this study proves is that things were pretty good. But we know that. Now homeownership is out most people’s grasp.
clown
What are you gauging a millionaire on tho?
In the 1910's to 1980's they were the rich of the rich.
Now its just scrapping by.
Have you adjusted your world view with inflation?
Exactly. In the next 20 years a millionaire will not be very wealthy if inflation keeps at this post Covid trajectory.
I have 1.5 million and I’m definitely not “just scrapping by.” 😂
His gauge is:
The value of what you own minus your debt= $1,000,000 or more.
Now of course it’s not the same 50 years ago. But I’m not about to roll over and die because of it.
What if you don't care about so called "financial prosperity?"
Sounds like the person with the most money at the end wins. Ridiculous.
No it doesn’t. 😂
That one button is working hard.
Save more thean you are spending.
Yeah... the gap between the rich and poor is so great, people don't even know if there is a middle class. Don't tell us bs like everyone has a chance. No, it's mostly luck or way more hard workers would be doing better. Can't have such a huge lower class if that was true. Numbers don't lie.
You lost all credibility when you said teacher 😂
I’m a conductor for bnsf make 180 a year it’s how much u invest your money on n buy real preferably apartments get that cash flow coming in n also buy gold n silver i believe the 401k n pension are a scam n my job has both of them n open a business something u love doing n expand it slowly last but not least get financially educated read read read
It's easier than most think....
Now what teacher makes a 100k? I know three of them, and they make half that before taxes
Theo knows how to save some money… From what I've heard 😕
Teacher? Lol ok
hey gen Z, stop complaining and buy a house already!