Fyi, tenure doesn't mean you get a salary for the rest of your life, it just means that it's harder to fire you. She still needs to save for retirement, just like everyone else.
@@sexytechreviews_ I would personally never assume that I'd get a pension, even if I was supposed to. Especially if it is linked to the state pension system, which this one would be as she works at a state school.
Would love to see them break down the couple! And like actually NORMAL salaries! My husband and I are both public school teachers and love personal finance, but we rarely see simple/non youtuber professions
Agreed - plenty of teachers don't necessarily get enough credit or respect in our society, unless they learn how to build up social media / programs as well on the side for extra income.
Don't compare yourself to this person. She's done well but by no means self-made. It's clear that alot of the expenses are carried by a husband or parent. Unless she has an insane side hustle on top of her profession, that 1.5 mill property doesn't just have her name on it, nor is the savings from budgeting her own expenses. She should not have gone on Glamour without her partner or parent as she is not self-made by any means.
It's extremely frustrating when married people on these are like "i make 85k and have 500k and a 1 million house", for all we know her husband makes 250k and she's free with her income
If you save like Graham you could probably achieve both of those as well, but agreed doesn't seem to be the case for her lol. Not hate towards her though.
I think this is very misleading on glamours part because there’s no way you’re getting approved for 1.5 mil rental property on a 85k salary , I’m sure the husband is pulling in big bucks but doesn’t help for purpose of this video
Exactly what I was thinking. She said she contributes 4k a month to joint savings and also the 3k towards the mortgage which is clearly only part of the mortgage for their primary. Would love to figure out who this person is to then include husband's contribution. Perhaps students in Austin area will figure it out.
3:59 “I love the food in Houston…“ McDonalds, Chick-Fil-A, coffee, Chipotle, Chick-Fil-A, Raising Canes. I didn’t realize that Houston has better Chick-Fil-A than Colorado Springs.
Good on her for being tenured. I just think of my favorite professors who were adjuncts and made next to nothing for their work. Though with some professions, teaching a course once in a while can help with Continuing Education credits. (I have other social work friends who teach a class here or there) Edit: Had to laugh at the Chipotle. I like it, but I watch a lot of Cash Jordan videos and he hates Chipotle.
She lost any credibility whatsoever as soon as she claimed that there's "no reason for someone to have $80,000 in student debt" when mommy and daddy paid for her college.
She likely just meant that because she works at a well-known & well-funded school, their tuition cost is less. Generally, the better well-known school, the cheaper the tuition after aid. And the "amazing" students that are able to get admitted to such good schools are also likely to get scholarships to pay for a large portion of remaining tuition - in other words, they get a "budget" education. The only problem is that only top students get admitted to such universities.
It doesn't negate the point she makes. In Europa, most universities are affordable and with student loans, if you live at home, it's essentially free. Student loans debt is the least of our issues, so there are people who become "career students" who go ahead to study for years. In this setting, it's fully understandable. Not in the US. Unless you have someone bankrolling your education or you're on scholarship, it is highly important to use every semester in your chosen institution wisely to avoid racking up debt. People change their mind, I get that. When there's so much money and time on the line, some people should really consider if they're going to an out-of-state ivy league school for the right reasons.
This is kinda pointless without the husbands income. 500k in savings, a primary home, and a 1.5 mil Airbnb investment house doesn’t come from $85k salary (or even 150k salary) without husband or parents.
Graham, I love coffee and would consider buying Bankroll coffee, but it seems more expensive than the whole bean coffee from Costco. Help me understand the pricing model?
What state do you live in? It’s so interesting how much people bring in depending on their situation and state. I make 108k and I bring in $4900 after taxes a month
I live in the Midwest and a chipotle bowl is around $12. And if u want guacamole it’s a extra $2.50. Definitely felt you on chipotle is getting out of control lol. I’m a gen z’er and I remember when I was young my mom would send us to get her food from there and chipotle was $7.25 lol and guacamole was 1.25.
Lady speaks the truth. Idk why anyone goes to a private university or even out of state. Unless your state just has dog water universities. It's pretty much the same everywhere you go. But full disclosure, maybe I'm bias since I went to a state school
550 k of savings is an odd one. I suppose she probably counts her 401 k or Roth cause unsure what the purpose of having so much savings would be? Surely you get past 60 k and at that point it's not peace of mind, it just becomes what can I do with this to earn more money.
Her whole video is bullshit. Husband is definitely covering most of costs and all of the savings. You most definitely cannot pay for grad school by working through it.
Because paying it back in installments is a more viable option for her right now. I think in the US, if you pay back loans it improves your credit score
Graham, what would you do as a 21 year old with 120k in the bank? I have already invested almost 100k already bc of the downfall of stocks. Should I just keep investing or start a business maybe?
Hi Graham! Hope your doing good as always. Heck just for the entertainment and because you never know if you never ask, can I get $1,000? 😂 In all realness though, hope your doing great man, and have a great day.
@@TheGrahamStephanShow haha, I had to try once you know. Thanks for interacting with your viewers! I’ve watched your videos for years and you’ve responded to several of my videos in that time. Take care and keep making amazing content Graham!
Graham, will you consider to react to MO Vlogs TH-cam channel's reason TH-cam video: "Meet the bitcoin billionaire who paid 1$ for Bitcoin!!! ". Hope you make a reaction video.
Graham I am trying to figure out if I should take on my first ever mortgage (via FHA loan) or continue to pay 2k/month for rent in the outskirts of a major city. I make 120k/year and feel like, after taxes and 401k deductions, i use nearly half my monthly take-home on rent..My rent is increasing again this year. I don't prefer roommates and finding a single bedroom apartment for cheap is basically a pipe-dream. So my thought was to own some real-estate instead. The rate increases on interest mayas well be the last two years of exorbitant rent i've been paying..... Is using up 1/3-1/2 monthly salary on rent tenable?
Opportunity cost man. If your not in Cali, San Fran, or DC, you can pay around 2k a month on a mortgage, but that money is going towards an asset. What does living on the outskirts of a major city do for you? Doesn’t sound like your close enough for down town for that to be a pro. Commute to work maybe? I think your better off finding a decent suburb 20 min away from the city and locking in a fixed housing payment (mortgage). That way if a landlord decides a 15% rent increase, your fine.
people who make $85K/year don't get approved for $1.5M houses or have $500k in cash, so I would love to know what money laundering enterprise she is a part of 💭👀🤨
@@SC-zg6iv Y’all trying so hard to discredit her and it’s insane. She literally puts $4k in their joint account every month. That’s close to $50k per year that she’s putting in her and husbands account. Shes contributing more than most people are these days.
Dam dude my dad makes a decent amount of money he is a anesthesiologist here in California and i need to show him your show too so i can spend better and my dad! Because this show helped me! Nd my dad spends alot lol
This isn’t “HER” finances, it’s her and her husbands. Sounds like he makes a lot more then she does or she got a lot of money from her parents. Regardless without the info of her husbands income this video makes NO SENSE!
Not her saying she loves diversity in her food and she's got Chick Fil A, McDonald's and Chipotle as the food expenses 💀
That's quite the fast food diversity!
@@TheGrahamStephanShow 27 year old who uses dad jokes. Cocococococo cornyyyyyyyyyyyyyyyy
@@hassanibrahim4469 are you stupid?
@@hassanibrahim4469 He’s 31 and it’s corny how you said co co co co corny
Yea, I live in Houston and we do have some great food so I was disappointed when she said that and then had all fast food expenses for food.
“I want to see what the husband is pulling in. That would make my life complete.” 😂 Graham always makes my day with the subtle humor.
Fyi, tenure doesn't mean you get a salary for the rest of your life, it just means that it's harder to fire you. She still needs to save for retirement, just like everyone else.
got it
@@TheGrahamStephanShow I believe you meant "Pension" which most do get as well.
You should see the absurd pensions of many professors. My ex MIL is making 140k a year in pension.
@@sexytechreviews_ I would personally never assume that I'd get a pension, even if I was supposed to. Especially if it is linked to the state pension system, which this one would be as she works at a state school.
She works for the state so she gets a pension for life. I am a NYC teacher. Some people don't save but, I do the max.
Would love to see them break down the couple! And like actually NORMAL salaries! My husband and I are both public school teachers and love personal finance, but we rarely see simple/non youtuber professions
Agreed - plenty of teachers don't necessarily get enough credit or respect in our society, unless they learn how to build up social media / programs as well on the side for extra income.
"The food in Houston is soooo diverse, thats why I eat out so much"
Credit card statement:
Chick fil a
Mcdonalds
Chipotle
Chick fil a
Raising Canes
It's a lot less fun to watch people doing everything right 😩
😂😂
Don't compare yourself to this person. She's done well but by no means self-made. It's clear that alot of the expenses are carried by a husband or parent. Unless she has an insane side hustle on top of her profession, that 1.5 mill property doesn't just have her name on it, nor is the savings from budgeting her own expenses. She should not have gone on Glamour without her partner or parent as she is not self-made by any means.
Her husband has to be making bank with that life style.
her flex is "i am the average Houston resident, check me out"
It's extremely frustrating when married people on these are like "i make 85k and have 500k and a 1 million house", for all we know her husband makes 250k and she's free with her income
this ^
Exactly what ran through my mind.
If you save like Graham you could probably achieve both of those as well, but agreed doesn't seem to be the case for her lol. Not hate towards her though.
@@simplegil9449 yeah no hate towards her or her achievements, it's just disingenuous to say 85k a year did all that and raised kids.
You drink your own coffee?!? Damn it Graham, everyone knows not to get high on your own supply.
oops
I think this is very misleading on glamours part because there’s no way you’re getting approved for 1.5 mil rental property on a 85k salary , I’m sure the husband is pulling in big bucks but doesn’t help for purpose of this video
Exactly what I was thinking. She said she contributes 4k a month to joint savings and also the 3k towards the mortgage which is clearly only part of the mortgage for their primary. Would love to figure out who this person is to then include husband's contribution. Perhaps students in Austin area will figure it out.
It could mean she brought the property a long time ago. I brought my house for 540k and it's worth approximately 1.7 million
If the property cash flows, almost anyone with an $85k salary would be approved for a loan.
@@jonisnyder6011 who would sell a property that cash flows that well?
3:59 “I love the food in Houston…“ McDonalds, Chick-Fil-A, coffee, Chipotle, Chick-Fil-A, Raising Canes. I didn’t realize that Houston has better Chick-Fil-A than Colorado Springs.
Houston has really diverse food.
Proceeds to eat at chik fil a, McDonalds and raising canes
I look forward to these way to much!
thanks!!
Houston is one of the most diverse food cities. Where else are you gonna find McDonalds, Raising Cains, Chipotle, and Chick-fil-a?
She spends a lot of time in Austin. I can't imagine going for big corporate boring food with all the yummies in Austin.
I say she's pretty solid she could definitely save more but she's getting there and life is short enjoy the fruits of your labor
550k in savings...getting there?
Good on her for being tenured. I just think of my favorite professors who were adjuncts and made next to nothing for their work. Though with some professions, teaching a course once in a while can help with Continuing Education credits. (I have other social work friends who teach a class here or there)
Edit: Had to laugh at the Chipotle. I like it, but I watch a lot of Cash Jordan videos and he hates Chipotle.
She lost any credibility whatsoever as soon as she claimed that there's "no reason for someone to have $80,000 in student debt" when mommy and daddy paid for her college.
I mean, unless you’re studying something lucrative then yeah, you shouldn’t have that much in loans.
She likely just meant that because she works at a well-known & well-funded school, their tuition cost is less. Generally, the better well-known school, the cheaper the tuition after aid. And the "amazing" students that are able to get admitted to such good schools are also likely to get scholarships to pay for a large portion of remaining tuition - in other words, they get a "budget" education.
The only problem is that only top students get admitted to such universities.
It doesn't negate the point she makes.
In Europa, most universities are affordable and with student loans, if you live at home, it's essentially free. Student loans debt is the least of our issues, so there are people who become "career students" who go ahead to study for years. In this setting, it's fully understandable.
Not in the US. Unless you have someone bankrolling your education or you're on scholarship, it is highly important to use every semester in your chosen institution wisely to avoid racking up debt. People change their mind, I get that. When there's so much money and time on the line, some people should really consider if they're going to an out-of-state ivy league school for the right reasons.
Yay, this series is finally back 😁
This is kinda pointless without the husbands income. 500k in savings, a primary home, and a 1.5 mil Airbnb investment house doesn’t come from $85k salary (or even 150k salary) without husband or parents.
The only Backstage I can think of is the website for auditions and casting calls. She probably has the daughter in the TV industry via commercials.
These videos are the ones I live for!
Thanks again for another great video
Graham, I love coffee and would consider buying Bankroll coffee, but it seems more expensive than the whole bean coffee from Costco. Help me understand the pricing model?
He did a whole video on it a little while ago. It's the lowest he can go. Almost breaking even pretty much.
Both Graham and I love these vids. Keep it up!
I'm a teacher and make the same amount, I only bring in around 5k a month after taxes. Guaranteed her husband is the higher earner here.
What state do you live in? It’s so interesting how much people bring in depending on their situation and state. I make 108k and I bring in $4900 after taxes a month
Spoiler: her husband made loads off GameStop and bought the Airbnb with his $$$$.
I love these videos you do!
I live in the Midwest and a chipotle bowl is around $12. And if u want guacamole it’s a extra $2.50. Definitely felt you on chipotle is getting out of control lol. I’m a gen z’er and I remember when I was young my mom would send us to get her food from there and chipotle was $7.25 lol and guacamole was 1.25.
Hey Graham can you make a video on advice you learnt throughout your life
that's mostly what my main channel is!
Keep up the great work!
She’s figured it out - WOW. Well done!
You should really check out Caleb Hammer chancel. You won’t regret it
I love your channel!!❤️
Love this video. Watching from Singapore 🌻😍
Also from singapore!
Me too😁
@@internationalfamily7361 🙌🏽😊
My professors in grad school were literal millionaires.
Wishing Graham would do how a Millionaire spends his money in Last Vegas.
"Headless people..." Lol!
Lady speaks the truth. Idk why anyone goes to a private university or even out of state. Unless your state just has dog water universities. It's pretty much the same everywhere you go. But full disclosure, maybe I'm bias since I went to a state school
Sometimes in state schools are competitive if they are good, and you have to look out of state
Of course my phone froze at exactly 6:07 and made your dramatic pause REALLY dramatic. 😂😂
favorite youtuber
Love all the meta self awareness
I am so ready her saving wow that’s a goal
awesome!
6:02 Graham is hilarious 😂
Graham when he is happy ohhhh ahhhhh
:O
Headless people 😂
i love what i spend videos and reactions!!
Graham, you should come out with bankroll K-Cups! I'd buy that :)
One day graham will be reacting to my appearance on millenial money ❤
I miss the old coffee cup in videos lol
THICK, FULL, EASY,
BANKROLL COFFEE
You should have Andrea Schumann on your iced coffee hour
550 k of savings is an odd one. I suppose she probably counts her 401 k or Roth cause unsure what the purpose of having so much savings would be? Surely you get past 60 k and at that point it's not peace of mind, it just becomes what can I do with this to earn more money.
Her whole video is bullshit. Husband is definitely covering most of costs and all of the savings. You most definitely cannot pay for grad school by working through it.
Yeah you can through an assistantship. I did. I worked for my university teaching undergrads and working in the lab. Got a PhD with no debt.
Makes sense, she spends money like a leaky faucet. her husband is making up for it with his job
I love ur videos
Chipotle guacamole is included if you get veggie
I actually got a degree in underwater basket weaving, only have 50k in debt.
You need to check out Caleb hammers finance channel. Just stumbled on it and I am hooked.
Stop spamming
@@sexytechreviews_ not spam just thought the breakdown of people's finances would grahams channel
Nice watch. In case you read this, what is it?
2:27 Why does she have any debt with $550K in cash?
Because paying it back in installments is a more viable option for her right now. I think in the US, if you pay back loans it improves your credit score
Perhaps her credit card debt is on a 0% interest intro card so free borrowed money
Graham, what would you do as a 21 year old with 120k in the bank? I have already invested almost 100k already bc of the downfall of stocks. Should I just keep investing or start a business maybe?
start a business then invest in real estate
@@mkst6824 Okay, hold my beer *figuring out what business to start*
10k in I bonds
20k in HYSA
Rest you can put in ETF's or even individual value+growth stocks
Plus you need an emergency fund
IRA
@@mkst6824 damn never thought about that 😲. I just have to use 20k for a multi million dollar business, can I get express shipping on that?
@@Miguel-iu9oi there’s businesses that u can start with under $1k or start with $0
Ya Adore Me somehow got his number...haha as if he doesn't have a partner
Yeeet!!!!
ENJOY
her spending seems about right but that savings is amazing.
Hi Graham! Hope your doing good as always. Heck just for the entertainment and because you never know if you never ask, can I get $1,000? 😂
In all realness though, hope your doing great man, and have a great day.
nice try ;)
@@TheGrahamStephanShow haha, I had to try once you know. Thanks for interacting with your viewers! I’ve watched your videos for years and you’ve responded to several of my videos in that time. Take care and keep making amazing content Graham!
Let’s go!
awesome!
Edit: venmo, you NEED to click "send as gift" or your taxed. Unless you do less then $600 in a year. I reach that limit in a week though.
the best investment is to invest on yourself..... You are the best asset to grow and developed.....
Yo if u invested $1000 into hkd, its would now be worth over $100k
8:27 that happened to me
Graham, will you consider to react to MO Vlogs TH-cam channel's reason TH-cam video: "Meet the bitcoin billionaire who paid 1$ for Bitcoin!!! ". Hope you make a reaction video.
What’s up!!! 💚😵💫
I just had a $70 steak- sorry Graham!
Omg how can anyone eat Chipotle? It is beyond 🤮
Graham I am trying to figure out if I should take on my first ever mortgage (via FHA loan) or continue to pay 2k/month for rent in the outskirts of a major city. I make 120k/year and feel like, after taxes and 401k deductions, i use nearly half my monthly take-home on rent..My rent is increasing again this year. I don't prefer roommates and finding a single bedroom apartment for cheap is basically a pipe-dream. So my thought was to own some real-estate instead. The rate increases on interest mayas well be the last two years of exorbitant rent i've been paying..... Is using up 1/3-1/2 monthly salary on rent tenable?
No loans, fully paid of car. all my cash is in investments into stocks/crypto/401k.
Opportunity cost man. If your not in Cali, San Fran, or DC, you can pay around 2k a month on a mortgage, but that money is going towards an asset.
What does living on the outskirts of a major city do for you? Doesn’t sound like your close enough for down town for that to be a pro. Commute to work maybe? I think your better off finding a decent suburb 20 min away from the city and locking in a fixed housing payment (mortgage). That way if a landlord decides a 15% rent increase, your fine.
So your husband makes money
people who make $85K/year don't get approved for $1.5M houses or have $500k in cash, so I would love to know what money laundering enterprise she is a part of 💭👀🤨
She's married to many making a lot more.
👩❤️👨
Don’t worry about it.
This lady saying she has 550K in savings just be the same vibes of “self made millionaires” you find out have rich parents
Seems like the husband is making bank
There making bank from the Air B&B
@@shantralarharris2893 the air bnb that they bought for $1mil. No one making 85k qualifies for a jumbo loan
She stated her parents paid for her undergrad and clearly her husband brings in the lionshare.
@@SC-zg6iv Y’all trying so hard to discredit her and it’s insane. She literally puts $4k in their joint account every month. That’s close to $50k per year that she’s putting in her and husbands account. Shes contributing more than most people are these days.
Toy joy because she plays with herself??? 😭😭😭😭😭
I'm amused when she said adoreme is clothing. It's lingerie.
Hey graham liking for the phone call, you ever get my emails?
Early bird here
My numbers are very similar to this person and I call bull sh*t.
i cant tell if she is flexing hard on the teacher community or if she is saying something else?
niceee
Dam dude my dad makes a decent amount of money he is a anesthesiologist here in California and i need to show him your show too so i can spend better and my dad! Because this show helped me! Nd my dad spends alot lol
i fell asleep to the averageness of this womans well to do mostly average blibber blabber
Hey hey
sup!
If she has 550k saved, that's impressive. A lot of people have zero when they retire. Not sure why people can't have some money saved. Bad management?
She has a rich husband.
@@sexytechreviews_ Well that explains it. Set for life? Haha.
@@sexytechreviews_ Oh hush! We don’t even know how much her husband earns. Why are people hating so hard? She’s done well, it is impressive 😅
This isn’t “HER” finances, it’s her and her husbands. Sounds like he makes a lot more then she does or she got a lot of money from her parents. Regardless without the info of her husbands income this video makes NO SENSE!
Dog Chipotle is not healthy
chill with the commecials man. sheesh awkward
I have youtube premium, it's glorious.
@@sexytechreviews_ I was talking about the in video ads. Coffee, FTC, Public ect
Yay
enjoy!
Second
early!
Hi Graham 🧍🏻♀️
SATUL.de.voj.8.ani.de.zile
Hotii.
sheesh bitcoin at 20k wow