The girl who earns USD210,000.00 per annum in NYC was also relatable. She showed that one doesn't have to live an expensive life just because they make money
Alanna Hodgson if I was like that at 23 we’d all have flying cars, free education, healthcare and school, renewable energy, all homeless will be cut in half( from the waist) by 2025
i was looking around actaully if you stay out of popular towns is very doable, something right off manhattan is only 1200 with a roommate , its very doable
she can DEFINITELY make 100K by 30 in NYC! that was my goal & i achieved it! change jobs if you have to, and ASK for what you want (very important, especially for us women!)
Marcel Rodriguez I’d put in more towards the debt repayment and save only 500 a month if it were me.....especially if she has reasonable job security.......it would help minimize interest paid in the end.
@Whiskey Earned I'd also question if they're including her employer's contributions to her retirement account in that. I often hear people folding the employer match for 401k's into the 50/30/20 rule. That said, yes, the lack of student debt is a big saver. Indescribable how much more that puts in your pocket in high cost areas
You are amazing Elena! I'm 24 and recently just landed my first job. I save about 2k a month. I'm single so its super easy for me to save. Would love to meet or find someone like Elena one day. haha
She sounds just like me when she said that she wanted to make over 100k. I live in New York too and I finally reached that goal through IT. It's definitely possible to hit the 100k mark before reaching 30 years old. She's really smart with her money and ambitious.
@Kay Flip you have to be joking -if not, you need to specify what part of NYC because many places in NYC you can live beyond find with that amount especially as a single person.
eiram31 he’s just trolling. He prolly is unemployed in his moms basement don’t even know where ny is. It’s all relative. Some people like this girl makes $50k and can save money while some people who live in same area with double the income are still heavily in debt.
Matt Sezer that’s because the vast majority of people in nyc are poor immigrants. There is virtually zero middle class due to high taxes and socialist policies. NYC is a city of extremes, extremely poor and extremely rich. The millionaires even out the average to around 60k
itstatilol nah, it’s definitely because of her degree in graphic design. I work in NYC and my first job it of college, I made about $38k and I worked in a big, well known media company. I was the HR Assistant/Receptionist
Kylie Finstad i agree but you have to remember, she lives in nyc. the cost of living in brooklyn (which is a part of nyc) is way higher than living in the Midwest
You’re crazy. If you are eating out you are abiding by the system and under obligation to tip. If you don’t want to tip, make food at home. Otherwise the server is serving your table for free & you wouldn’t appreciate that at your job.
@@DC-ee9de the interest rates for student loans are 4-8%. Ally only pays 1.9%. The stock market is very unpredictable right now. she is pretty off paying all of the student loans and living completely debt free.
I like his channel but as always the viewers seem to be the ones making things annoying. Some of them are disappointed that she is not a person who blows their money on crap all because Graham won't have a lot to criticize, therefore his react won't be entertaining
I am so relieved someone said it. I used to watch millennial money type of videos to put some things in perspective and give me ideas. But it is not the same anymore with these comments. So sad there is only one perspective now...
She'a a millennial? I would think at her age (23) she'd be considered Gen Z. CNBC, it's okay to acknowledge that time has passed and that Millennials are getting older.
she's 23 and she already knows the importance of budgeting, saving and working towards her goals. This lady will go far in life. Wonder if she ever came across Dave Ramsey to learn about all this.
I have so much respect for this woman, especially because she's able to responsibly fit in donations on a budget. That's something I haven't really seen and would honestly like to incorporate more in my own budget. Thanks for being a role model and showing millennials in such a good light!
Millennials are like the youngest child who is always perceived to be a baby. No, shes not a millennial! An average Millennial is in her 30s! This lady is Gen Z. Change this segment's name to Gen Z Money.
Yikes. that company should be ashmed of themselves for only paying her 50k a year IN BROOKLYN!!! she can easily go somewhere else and make triple that.
ruby waterfall Or some nicely well off parents to help her through that pricey private liberal arts college with as much ease as possible. $120,000 education with only $16,000 in debt? I smell a rat. And with Ithaca on your resume, a $50,000 job in the city is probably just about what you’re entitled to.
She’s doing great, kudos to her. I’d love to see an episode with someone with student loans and where the parents aren’t the ones paying who is managing it well also. 16k is super low. Granted she lives in NYC so it will take some time.
I make just starting 6 figure income & my rent is $985 in Buffalo, NY. People should move out of costly cities. I used to stay in MA state, my rent was $1700 excluding utilities. Asked my company to allow me to work from home. Moved to Buffalo, Ny. Saving $700 on rent.
She’s actually lucky she got right out of college into a career she had a scholarship and said her parents helps her pay the little student loans she does have she makes a salary she doesn’t have to live paycheck to paycheck like most ppl who get out of college do and don’t get jobs right away
Well if I was making real good money and have a stable career, I think I would be on here & Good thing is I've been living in NY(Long Island) for 21 years😁. #RealNewYorker
@@nyesharaymond1850 yeah hate to break it to you, but when we say real new york we mean you can be reached by MTA. Long island don't count and sometimes we treat staten island like a adopted sibling.
My mum was a model in the 80s, she would get paid £200-£2000 to do ad campaigns in London. Went to New York for an ad campaign and got paid $50,000, plus all the royalties for it years later. I know that's a totally different industry, but I've been told by soo many people over the years that America just pays a lot better than the UK if you're able to get a good job.
@Steve J She literally says that she wishes to start making 100k by the time she reaches 30 years old. But right now that is fine for someone fresh out of college in their 20s with no kids or spouse
02:37 $20 tip on a $45 bill, that's too generous for someone trying to get by. I don't know if that receipt shot is from New York because it says CA 91302.
Graham won't see this as great finance advice material but he'll appreciate how she is handling her finances!! Nice job Elena--so level headed for 23!!
Idk... I'd save a little less and spend more on getting rid of student loans. I don't know, never had student loans and never will (college freshmen, but not US) but living in debt sounds anxiety inducing.
What’s your budget breakdown? Share your story with us for a chance to be featured in a future installment. cnb.cx/32TYZ2K
#Graham
#Grahamstephan
yes finally! it felt like 80% was based in NYC. Don't sleep on popular millennial cities like Raleigh, Richmond, DC, Dallas, Provo, etc either.
Go global!
I would love to see some people in the major Canadian cities!
this is really one of the few realistic ones. we definitely need to see more from the under $100K crowd
100% agree
I agree
The girl who earns USD210,000.00 per annum in NYC was also relatable. She showed that one doesn't have to live an expensive life just because they make money
Let’s see more from the under $30k crowd
If it’s possible, it’s realistic
No starbucks, no avocado toast, no cupcakes... Graham not gonna like this.
Exactly. She seems to have her $hit together...
And lots of savings in an Ally high interest saving account
Meta af
I was about to say the same thing!!!
CNBC knows he's watching lmao
She’s very level headed for 23. If I was that savvy, I’d be further ahead in life. Lol 😂
Same
She's Asian. Culturally, she's very different in terms of thought.
I was thinking the same thing. She has a good head on her shoulders!
Alanna Hodgson for real
Alanna Hodgson if I was like that at 23 we’d all have flying cars, free education, healthcare and school, renewable energy, all homeless will be cut in half( from the waist) by 2025
She's extremely fortunate to only be paying $950 in rent in Brooklyn.
She is renting just room, most likely
Yeah, she has at least one roommate
Rush Rush she probably has a sugar daddy
i was looking around actaully if you stay out of popular towns is very doable, something right off manhattan is only 1200 with a roommate , its very doable
Her phone bill is $40 😮😮
she can DEFINITELY make 100K by 30 in NYC! that was my goal & i achieved it! change jobs if you have to, and ASK for what you want (very important, especially for us women!)
Congrats Jess! If you don't mind me asking, what do you do for work?
Please tell me what job you have
Jess's Couch what is your career path?
@@iChristianGurl product development
I feel like even $100k in the city is nothing...
She save 880 a month? Good girl
I make half of what she makes in nyc aswell and save more.
It is, but as she said, it's not just LONGTERM savings, but for travel, emergencies, bits of clothing and whatnot that one may need in future.
Marcel Rodriguez I’d put in more towards the debt repayment and save only 500 a month if it were me.....especially if she has reasonable job security.......it would help minimize interest paid in the end.
Why not pay more on the student loans unless it's low interest?
@Whiskey Earned I'd also question if they're including her employer's contributions to her retirement account in that. I often hear people folding the employer match for 401k's into the 50/30/20 rule. That said, yes, the lack of student debt is a big saver. Indescribable how much more that puts in your pocket in high cost areas
Woah I went to school with her
Was she cool?
Was she as insufferable then?
L I e s
Did you smell her aura?
She's focused, realistic, and ambitious. The perfect recipe to her goals by age 30. I wish her the best of luck!
She knows her neighbors and bakes cakes with them! I think that’s incredibly sweet!
That’s better then going to bars for drinks!
Props to her! She’s killing it at 23, she’s going to make well over $100,000 at 30!
Amanda Walker I don’t think graphics designers make that much.Maybe 80k at most.
Unless she is talented enough to be a Sr. Designer or Art Director.
50k is nothing in NY
Unfortunately never
She doesn’t invest....
@@mypeteskimo5307 well she's only 23... she has time
I love millenial money so much please do more of these!
Lila Prosser but the real struggle not the rich people 🤑
Why is it Millennial Money when they feature a Gen Z? Guys, millenials have grown up.
She is not a millennial.she is a early gen.z
You are amazing Elena! I'm 24 and recently just landed my first job. I save about 2k a month. I'm single so its super easy for me to save. Would love to meet or find someone like Elena one day. haha
You are Asian.
Simp
lol I do that while living with a dog and renting and car insurance
My boi shooting from outside the gym ⛹️♂️
Aww, that'sso sweet. She seems like a great Gal, reach out to her on Social media or something if she's on any SM platforms.
A 20$ tip on a 45 dollar tab? Servers must love you!
naw man thats a rookie mistake. never go over 20 percent.
@@jimindecarlo9356 or you can be kind and do a higher tip :D
@@kahlan6786 I guess I could if we werent all unemployed by the covid
yeah I would tip $5
The tipping culture is just stupid. Only business owners benefit from it. Many countries don't tip. Make the employers pay fair wages
She sounds just like me when she said that she wanted to make over 100k. I live in New York too and I finally reached that goal through IT. It's definitely possible to hit the 100k mark before reaching 30 years old. She's really smart with her money and ambitious.
@Kay Flip depends where you live in NY and how you use your money.
@Kay Flip you have to be joking -if not, you need to specify what part of NYC because many places in NYC you can live beyond find with that amount especially as a single person.
eiram31 he’s just trolling. He prolly is unemployed in his moms basement don’t even know where ny is.
It’s all relative. Some people like this girl makes $50k and can save money while some people who live in same area with double the income are still heavily in debt.
@Kay Flip The vast majority of people that live in NYC make well under $100k. The median income for an entire family is less than $60k.
Matt Sezer that’s because the vast majority of people in nyc are poor immigrants. There is virtually zero middle class due to high taxes and socialist policies. NYC is a city of extremes, extremely poor and extremely rich. The millionaires even out the average to around 60k
Wow she’s doing great for just 23 years old. I think I was making like 32k at the age after college
MissPuglife it is good but working in NYC might be part of why her income is higher than average post-grads
itstatilol nah, it’s definitely because of her degree in graphic design. I work in NYC and my first job it of college, I made about $38k and I worked in a big, well known media company. I was the HR Assistant/Receptionist
@@goldenxdiva6562 i live in the midwest where everything is considerably cheap and 38k a year is considered very very good money for starting out.
Kylie Finstad i agree but you have to remember, she lives in nyc. the cost of living in brooklyn (which is a part of nyc) is way higher than living in the Midwest
Golden x Diva I know. I’m saying 37k is a lot of money in the Midwest where in nyc, it’s not that great money.
She seems frugal, down to earth and very honest person 😊
We have similar lifestyle. I live in NY Brooklyn. I think she can def achieve that 100k salary goal. She is very smart with her money at her age!!!
Tipping 44%...Boomers are so LIVID right now.
Jovanny8Soccer I tip 10% cuz I don’t believe in subsidizing someone else’s employee’s salary
@heatism
The server chooses to work there (at that salary). And it's called kindness, and generosity
@@TJ-oo5mx one can simply hand out money to panhandlers on the freeway exits too....different kind of generosity.
You’re crazy. If you are eating out you are abiding by the system and under obligation to tip. If you don’t want to tip, make food at home. Otherwise the server is serving your table for free & you wouldn’t appreciate that at your job.
@@user-lt1jd1ye3v I don't tips at my job :(
Am I the only one who mainly watches these to get insight into other peoples' lifestyles as opposed to just seeing their spending?
I do too
I think 23 in 2020 is considered gen Z
It is
I think Graham finally found his match, no 19 cent coffee outburst needed.
this was the 1st vid i stumbled upon for cnbc make it so i was so impressed on how she was doing😂
Something something GRAHAM something 20 cent iced coffee something.
Stannis Baratheon Graham will have a lot of good things to say about this 23 yo. I’m sure she won’t allow her future fiancé to spend 40k on a ring
IMO, she should save a little less and pay off those student loans quicker. The faster she gets out of debt the better.
tbf if she’s making more in interest than the student loan APR it’s probably more beneficial to make regular payments and invest the rest of her money
@@DC-ee9de the interest rates for student loans are 4-8%. Ally only pays 1.9%. The stock market is very unpredictable right now. she is pretty off paying all of the student loans and living completely debt free.
If the student loans are charging low interest regularly investing and building an emergency fund are both more important.
Herp Derp she is not saving log term, those savings are for travel, clothes, etc tc.. as it is stated there
King Pins she still said she had loans lol
Graham is going to be so happy! Ally account and picnics
They switched the title format back!
Who is Graham? This is the first video I've watched from this channel and sooo many comments have mentioned him
Cookie Monster graham Stephan. He does videos reacting to these millennial money videos
Graham won’t like this one cause she’s doing everything right! Jk 🤣 what an awesome story!!!
I swear CNBC watches grahms videos and finds people that do things by his standards
People actually apply to them :D But yeah, Grahms reaction videos are key :D
It would be interesting if CNBC did one on Graham!
@@AskMiko this aged well.
She actually seems really reasonable and smart. Not that much debt and a lot put into savings
I used to like coming to the comments on these types of videos. Not so much now because I already know what they're going to say 🤣🙄
It's even more annoying now cause they keep talking about Graham
Exactly!! I watch some of his videos but this is getting ridiculous 🤣
I like his channel but as always the viewers seem to be the ones making things annoying. Some of them are disappointed that she is not a person who blows their money on crap all because Graham won't have a lot to criticize, therefore his react won't be entertaining
I am so relieved someone said it. I used to watch millennial money type of videos to put some things in perspective and give me ideas. But it is not the same anymore with these comments. So sad there is only one perspective now...
Some person, graham
I’d like to see an educator and their salary and expenses!
She'a a millennial? I would think at her age (23) she'd be considered Gen Z. CNBC, it's okay to acknowledge that time has passed and that Millennials are getting older.
Sela Lewis true. Millenials are now older. I’m 40 and I’m a millennial
This girl lives on my street 😳
What size card board do y'all sleep on?
She's fake she doesn't look like a Haskin
ela92600 Porter yes actually I live in a town house there are spaces upstairs available if you need info let me know
@@zenplayss_ whats it called not. a stalker just looking for affordable apartment in nyc lol
Amakusa Yoshi actually Jones here aren’t as small as it seems . My place is pretty spacious and have high ceilings
Finally someone i can relate a little more to salary wise.
but the main affect is how much debt you have or don't for the amount you are able to afford
she seems super normal and down to earth, sounds like any of my friends.
It seems like she's subscribed to Graham...... she even mentioned robinhood.. Graham is gonna cry while watching this millenial money...
She’s definitely on the right track. So happy to see young people with a good financial mindset
she's 23 and she already knows the importance of budgeting, saving and working towards her goals. This lady will go far in life. Wonder if she ever came across Dave Ramsey to learn about all this.
No, parents who learned financial literacy over time share that information to their kids. That's how money stays within the family name.
We'll see what graham has to say about this 🤔
She does alright I think. But Graham will find something ;)
Eliza K He night tell her to cut her food budget a bit and invest more otherwise I don’t really see anything he would complain about...
Wow! $950 is pretty good for (I believe) Bushwick in Brooklyn! Probably have roommates though...
I have so much respect for this woman, especially because she's able to responsibly fit in donations on a budget. That's something I haven't really seen and would honestly like to incorporate more in my own budget. Thanks for being a role model and showing millennials in such a good light!
She will be making six figures before 30
this is so encouraging to see - saving, paying off debt, living within her means !
The number one investment is to
Smash ⛏ that LIKE 👍🏼 button !!!
Sounds like Graham Stephan
Is to dodge taxes ..... legally that is
@@benjamin7114 im too quicc for any taxes to hit me
Millennials are like the youngest child who is always perceived to be a baby. No, shes not a millennial! An average Millennial is in her 30s! This lady is Gen Z. Change this segment's name to Gen Z Money.
Graham will definitely comment on her "miscellaneous" expenses lol
Yikes. that company should be ashmed of themselves for only paying her 50k a year IN BROOKLYN!!! she can easily go somewhere else and make triple that.
This is probably the most sound one I've seen so far. Good job
nice walked into a 50k job after leaving college with only 16k in debt. I feel like we're talking to the sparkling white unicorn of graduates.
she's definitely got a good head on her shoulders.
ruby waterfall Or some nicely well off parents to help her through that pricey private liberal arts college with as much ease as possible. $120,000 education with only $16,000 in debt? I smell a rat. And with Ithaca on your resume, a $50,000 job in the city is probably just about what you’re entitled to.
This is me. I made 57k last year at 23, and I also live in Brooklyn
Also me at 63k at 23
I graduated college 4 years ago and I love watching these videos. They are so informative
Student loans, man...greatest country in the world but college ain’t free.
*Just another Graham comment with a gazillion likes*
She’s doing great, kudos to her. I’d love to see an episode with someone with student loans and where the parents aren’t the ones paying who is managing it well also. 16k is super low. Granted she lives in NYC so it will take some time.
Her electricity and water bill is so low! $50 a month including wifi. Good on her for keeping her carbon output low.
Lots of people do not pay for water in nyc
A breath of fresh air after all those videos of 25 yr olds earning $205k.
I make just starting 6 figure income & my rent is $985 in Buffalo, NY.
People should move out of costly cities.
I used to stay in MA state, my rent was $1700 excluding utilities. Asked my company to allow me to work from home. Moved to Buffalo, Ny. Saving $700 on rent.
Best millennial money!
Graham is going to be proud of her!! Smart girl
Millennial Money is at the end. Well, half of the views of Graphams video's is CNBC xD
Good girl and good job 👍
Did she just tip 20$ for a 45.91$ bill 😲
When 12.5% isn't enough and 45% is... NYC tipping culture gone mad, lol!
That was probably a purchased stock shot by the CNBC. But pretty crazy...
Is brookyln in NY?
This girl is too young to be a millenial,
depends on the definition lol. She's near the line either way.
Too old to be gen z tho
She’s actually lucky she got right out of college into a career she had a scholarship and said her parents helps her pay the little student loans she does have she makes a salary she doesn’t have to live paycheck to paycheck like most ppl who get out of college do and don’t get jobs right away
She is super smart and focused for a 23 year old. I like how she is cutting down on make up, that actually saves up a lot of money. :P
She sounds a lot like me!!
*These guys are interviewing people that make it harder and harder for Graham to be mad*
Theres gotta be a way to cut that food money. PEOPLE, LEARN HOW TO COOK AND PORTION FOR THE WEEK.
I love how honest and friendly she is!
I would reduce in suscriptions, food and misc. But not bad all!
When are they gonna interview a real new yorker? It seems every one of these videos in Brooklyn are people living only 2-7 years in NYC. =(
Well if I was making real good money and have a stable career, I think I would be on here & Good thing is I've been living in NY(Long Island) for 21 years😁. #RealNewYorker
@@nyesharaymond1850 yeah hate to break it to you, but when we say real new york we mean you can be reached by MTA. Long island don't count and sometimes we treat staten island like a adopted sibling.
@@donmacmilly oh okay got you !
Are UK salaries just really low? Here, as a graphic designer, she'd be lucky to get £25,000. Lucky. And I know the conversion isn't THAT much.
My mum was a model in the 80s, she would get paid £200-£2000 to do ad campaigns in London. Went to New York for an ad campaign and got paid $50,000, plus all the royalties for it years later. I know that's a totally different industry, but I've been told by soo many people over the years that America just pays a lot better than the UK if you're able to get a good job.
This one isn’t so bad. She’s doing good! I’d say she needs more money though. $50K isn’t much in NYC.
Highly depends on how you live
@Steve J She literally says that she wishes to start making 100k by the time she reaches 30 years old. But right now that is fine for someone fresh out of college in their 20s with no kids or spouse
50k is great for a graphic designer right out of college. Shes very lucky
How is she able to find an apartment for $950 in Bk? That seems B.S especially in Bed-Sty..
Agreed. On her salary, she's better off in in Jersey City, Newark or Elizabeth, somewhere like that.
I hope she's there today (corona virus era). Her industry is very volatile.
Very low rent in NY, parents helped pay for college, very little debt- none of these are the average millennial experience.
Conversations with Candace if you work hard it is ma’am
kevin Ambrocio bye
02:37 $20 tip on a $45 bill, that's too generous for someone trying to get by. I don't know if that receipt shot is from New York because it says CA 91302.
Graham won't see this as great finance advice material but he'll appreciate how she is handling her finances!! Nice job Elena--so level headed for 23!!
Sometimes I just chew a few pieces of gum instead of dinner. It saves a good few bucks in a pinch.
They literally showed her roommate in the video yet people keep questioning how she found an apartment for only $950.
That's further into the video than most people watched
Another Asian American making financially intelligent choices in life to compare to all other figuring...
Finally someone realistic who doesn't earn six figures like everyone else this show focuses on.
waiting for graham reaction video
can’t wait to see Graham’s reaction. Ally bank?! now CNBC is definitely trolling
Why do you not shoot sth closer to real life? I and many of people around me earn not much ar 10k a year.
These numbers don’t match to most Americans. Do someone more realistic!!!
The majority also doesn't live in New York. This isn't unrealistic, this is just specific
This is one my favorites so far 👏🏾 reasonable budget and realistic salary
Who's Graham Stephen? Everyone keeps mentioning him
The guy who keeps doing reaction videos to these millennial money videos XD
Look up his channel on here and you'll find out!
Did anyone notice that she gave a 43.5% tip on a meal that cost $45.91. Thats crazy
She is a SMART 23 years old . she is making good choices , she is on a good path.
Where can you find rent for $950 in NY and how much sq ft?
Graham will love her but you know he'll find something wrong.
As a waitress, I can say, that's one NICE TIP 2:37
Lmfao the dating part 💯
She’s more realistic w her spending. Good for her!
Dang! I live in Las Vegas and 50k would get you a comfortable house, a nice small car (brand new), spending money and still save a ton lol.
Rents in Brooklyn are horrifyingly high!
@@darlenepaul2918 and Brooklyn has to be the cheapest place in New York.
There is also a crime issue there. Completely different culture there
Wow she’s really good with her money. Very smart girl
Yo Graham! They changed the title back lolol
Derick Fischer I was thinking the same thing 💀😂
Haha same
Wow saving 880 at 23, she's on her way to getting rich.
Idk... I'd save a little less and spend more on getting rid of student loans. I don't know, never had student loans and never will (college freshmen, but not US) but living in debt sounds anxiety inducing.
@@alex73217 good point gotta pay down those loans first before saving big you're right.
Graham let’s go
only $130 a month towards student loans? I could only wish!