What's your budget breakdown? We're looking for stories from all ages, not just millennials! Share your story with us for a chance to be featured in a future installment of Millennial Money: cnb.cx/32TYZ2K
I’m gonna sit on the stones on vine street so I can see down the hill into downtown and I’ll get paid telling stories about not even the French Can conquer this land but the French return to Pittsburgh to have a little party because they used to own that land but this is American land and I’ll pay you nothing to help prevent gentrification
@@mkhanman12345 1900-1914 would be Edwardians. 1914-1928 Lost Generation, 1928-1945 Silent Generation. Other definitions have the Lost Generation 1883-1900 and the Greatest Generation 1901-1927, then Silent Generation onwards
She’s doing pretty well- I agree! I’d just like to see her open a Roth IRA tho and put aside just a bit- she’s got time on her side now to invest and get all that compound interest!
@@alp.9672 I don’t think she’s trying to be other people though or compare herself to other people- she’s living her own path right now and seems content. ❤
@@electrikoptik That part lol. America cities and towns for white folks is their Wakanda. Not a worry in the world lol. At 22 that's ok but the moment you approach 30 that's bum like. I'm sorry to be blunt but that the way it is in America. I didn't create the system. I was just born into it and decided to understand it for what it is.......
I used to be a nursing major and I was miserable. So, I switched to be a biology major and I know I'll make only half as much as I could as a nurse but I am so much happier and I think I'll enjoy being a biologist so much more than being a nurse.
It’s like a stipend or work study. She maybe making less for now but once she got her license then she is good to go. Please make another episode maybe 2 years after her courses and that’s where she really begins her career
More stories like this would be good. She is getting help here and there, so that does help. But in general this was a great story in a realistic setting. Not some TH-camr who has a million followers and is looking at 2 million dollar New York Apartments or condos, which make most people feel like utter failures.
Tell em sister. You can definitely make it on your own out here. People are just exaggerating hardships. Some make $100,000 and still say they are broke, like how?
So great to see someone with such a balanced attitude towards money! I feel like most people either under-prioritize it and have the constant stress of living paycheck to paycheck, or over-prioritize it to the detriment of other aspects of their lives.
We need more videos like this, very curious to see where you can live under like 45-50k now. Some states in eastern part of the country and south I know nowhere west is reasonable anymore…. Cinci and Pittsburgh are 2 cities I know of with cheap living but very hard anymore to find affordable and good living…
She's literally living in OHIO though. If someone is living on this in Washington or California they're STRUGGLING. Speaking as someone who grew up in Ohio, and now lives in WA.
@@vzui1233 honestly, any male under 30 without a family I'd give this advice... Save up and buy a duplex house. Fix it up, and then rent one side while living in the other. Boom, free rent. When you can afford to move out, you rent both and now you have passive income.
@@missdesireindependance5194 Nope. Parents believed in a 9-5. Went to college. Wife pregnant by 22. It wasn't until I earning my doctorate I began to understand the side jobs and hustling. I started writing and started making more than I'd ever make with any job requiring my degrees. Now, more/less run my side gig while doing whatever I want for job. Teaching at the moment.
Don’t be me. Start putting anything you can in a retirement account. I wasted time in my 20s because I was making roughly what she is making and didn’t think I could afford it.
From what I understand she makes roughly 2,200 per month and her expenses per month are 2,212. I didnt count the colorado trip because that Is a one time thing so it seems like she saves 0 money and invests 0 money and lives paycheck to paycheck. Am I missing something? Not hating on her or trying to be negative, but I see people commenting on how well she is doing. Mentally im sure she is doing well because she is happy, but financially I dont think the numbers say anything happy LOL. Money doesnt mean happiness but anyone whos anyone should understand spending 100% of your income per month and not saving or investing any will lead to disaster no matter how happy you are right now
My exact sentiments, something doesn't add up. She's basically living worse than paycheck to paycheck, it doesn't add up to me. Happy she's doing what she loves though, that's priceless!
The comments keeps saying she's young. She's not saving anything including with her side hustle. I guess when you grow up barely making it she has no one giving her financial advice for her future. She's going to have to increase her income due to rent and other expenses increases each year.
You are forgetting she’s finishing school. How many people can build savings while going to school? She will make more after she has her degree. And, she has NO DEBT. $12 a month? Mmm.. 👍
Yes! Thank you for saying this. She is spending more than she makes… that’s like the #1 rule of what not to do. I don’t understand how this is a reasonable example of someone living well with that salary, if she spends all of it….?
@@mykki.d actually I’m saying; she’s paying fir college that will technically offer her more opportunity in her career to make more $, with no Debt beyond $12 a month. Now, I’d avoid a car payment, not sure why that car is not Paid for?
Awesome video! Very much relatable. She’s got a good head on her shoulders. I’m the same age making about the same amount of money. Would love to see Graham react and share his thoughts.
Cincinnati is a great place to live in and it could be so much better. The problem is the goverment and crime is picking up but other than that the people are great and you will always have something to do!!!!!!!!!!
if you can't live on 32k a year in cincinnati then you have a serious budgeting problem. very easy to do unless you want to live in Oakley or hydepark.
If you live frugally and have a steady job you can live easily of $32k a year in the midwest. On the coasts maybe a lot harder. Of course she doesn't have kids so that keeps costs down a lot!
The power for creating a better future is contained in the present moment, You create a good future by creating a good present.The key to financial freedom and great wealth is a person's ability to convert earned income into passive income to build generational wealth
That's fine for 22 years old. When you're 42 you don't want to be only making that much. Unfortunately, that used to be enough to buy a house but these days you need almost a 6-figure income to comfortably afford a home in most parts of the country.
She took advantage of the GI bill thanks to her father serving in the Air Force. She reimburses her dad $230 a month for insurance. Pay attention you Godless commie. Her ability to live on 32K has much to do with living in a rust belt city where rent in not 70% of your income and being thoughtful with her spending. NYC, LA, SF, Seattle and Portland are not the be all, end all of culture or opportunity.
Wow, would you look at that...when you pay for young peoples' college, they can comfortably start off life without massive student loan debts looming over their heads, even with a lower starting salary. Wake up America and enact universal college education for all.
🌏💰 Successful people don't become that way overnight. What most people see at a glance- wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
Love how she allows herself to spend on things that make her happy like yoga and pottery while still saving money, and love what she does for the doggies!♥️
She is 22 years old. That’s so young and to only be getting “help” on her cell phone (which is most likely a family plan) is impressive. She reimburses her dad for healthcare. This young lady is rocking it in life and is very achievable for a lot of people her age. She lives in a low cost apartment in an area with a lower cost of living (Ohio). She has a budget and follows it. She has no credit card debt. She even budgets for her pleasures like coffee, yoga, and pottery. I wish I was like her when I was her age. The only thing she needs to be doing is saving for retirement. The earlier you start the more money you’ll have because of compound interest and the magic of time. Even if she sets aside $50 a month in a Roth IRA, she will be set in retirement. She is so successful!
@@georgevieira6686 that's nothing. I used to have to work 168 hours a week and I used to have to walk to work in 2 ft of snow. And I was lucky to get a bowl of oatmeal when I got home.
As someone who personally knows her she is a loving and caring person who truly trys to live life to the fullest! The one month snapshot of her budget is not a great indicator of her spending because she definitely doesn't spend more than she saves. Cincinnati is a fantastic city and it was great we are represented by someone like Aspeyn!
Up in Columbus, have family in Cincinnati and Dayton, other end of the millennial generation, at 39. She's in a decent position to get ahead however she needs to find a partner who is also responsible. Having a partner who has spending and saving habits close to your own are a big deal.
Finally a Gen Z with a realistic, positive view on life! 32,000 a year in a career she loves is amazing! Cincinnati is affordable and thriving. She decided happiness and a debt free comfortable life over the get rich quick influencer ideologies most people her age abide by.
It is always refreshing to see someone doing what they love even though the money earned is not a lot by today standard. And she is a responsible adult.
A studio here in Miami will run you a minimum of $1,500-$1,800 a month. Which is the exact reason I’m considering the Midwest. My money would go SO much further, instead of living paycheck to paycheck I could actually afford to enjoy life a little.
I must say that knowing you is my greatest achievement in life, i receive my profit $10,000 successful, all thanks to Mrs Ava Kimberly may God keep on blessing you.
Wow I'm just shock someone mentioned expert Mrs Ava Kimberly I thought I'm the only one trading with her, She helped me recover what I lost trying to trade my self.
Another great withdrawals today!! £73,500 i appreciate what you've done for me, you're the best and i promise to spread your good work, thanks so much Mrs Ava Kimberly.
It's not about watching videos and wasting your time on strategies, I was ignorant doing so. So I decided to try Mrs Ava Kimberly and ever since then she has made about $14,000 for me on every $5,000 I invested
I’m glad they have stories like these because it’s much more realistic & what most people can realistically obtain or make a year. I honestly couldn’t care less about the millennials making $902143687.5 trillion a year. I want to see more normal people with average to slightly above average incomes like this. Please make more of these type of incomes! Not all of us want to be the next greedy billionaire villain
Lol some sources say 1981-2000 and other sources say 1981-1996, so maybe they are going off the former year ranges. Either that or they just needed a young person to share their story lol
@@FrankBelief A generation runs every 20 years. My 'X' generation is roughly from 1965 to 1985, (as the Baby Boomers generation is 1944 to 1964) so, Millennial starts roughly 1986 to 2006, then the 'Z's' are 2007 to now. So, Idk why Millennials think their generation time stops before or to 2000, & assume adult ages are 'Z.' Somebody sucks at math. The 'Z' generation are mostly still kids/minors.
Nope, you need to set up a retirement account IMMEDIATELY! Even if you are only contributing a small amount, say, $100/month, time will work in your favor. DO IT NOW!!!!
If she were 30, I'd agree with you. At age 22 --- she's investing in her education --- that will lead to higher income and still plenty of time to invest for retirement.
It's wild that society got to a point where 22 year olds feel like them making 32 k a year is bad. Many 22 year olds don't even have jobs in the first place
First the fundamentals they don't tell you. 1. She's white. That opens doors trust me in this. 2. Her family has money and they wouldn't let her starve, struggle or be homeless. 3. She's a female with the power of the P! A man will help her even though she makes next to nothing, she's needed to cook, clean and keep him satisfied.
I definitely hope that when she finishes college, she is able to increase her income. Although Ohio has a lower cost of living so $32,000/year probably goes farther than other places
The cost of living in Cincinnati is comparable to other midsized cities. Her rent is very cheap and I think she actually lives in northern KY ( judging from the video) which is cheaper.
@@ladydi3515 💯. People see this video and think okay I can move there and do the same thing. lol. The big employers like P&G, Krogers etc are only hiring a few people who fit a certain criteria. Cincinnati still has a conservative vibe so good luck if you don’t fit in. But my family has been there since the 1920’s so don’t take my word for it.
This is not very relatable content for the majority of 20-something’s… I can assure you most people my age don’t have parents who cover health insurance, phone bills, and have free university rides.
I am from Cincinnati and she is right -- you can have a pretty decent lifestyle on that salary. As a student, I was making around $1000/month and living roommates and did not have a car and I was just fine.
Great video!! She should be proud of herself. I wish I had the wisdom she has at her age. We love animals too and never heard of this profession. You go girl!! More of these on this topic will be great 😃 We can all use the information and inspiration during this tough time in our economy.
Awesome to see Aspeyn living independent of her parents and learning how to budget on her own. Aspeyn, if you're reading this, check out Roebling Point for coffee. I go there all the time! Great video
22 is not millennial, that’s easily Gen Z. I say this as a 23 year old. Guess “Gen Z money” doesn’t roll off the tongue as easily. Maybe early adult money? XD
I make 45k ish a year. Started my own business and still working my regular job. I thought I knew what i wanted to do with my life but turns out that wasn't the case. So my siblings and I stay home and take care of our mother untill we find significant others that we can combine resources with and move out because that's the only way to survive comfortably in this economic sh*t hole.
I am so confused. These numbers aren’t adding up once again. She makes 32k a year. Then she makes about 2200 a month. And n the end she spends over 3600 a in August. So she is basically going over 1k in the whole a month. Or you are not doing a wholistic analysis of her finances. It’s like let’s have a vlog with nice music and no substance.
So no student loans, a room mate......this is not a reasonable budget. Her expenses are exactly 2200. If she has a car break down, gets sick, medical copay, or an increase rent or electric or her car breaks its over. She is paycheck to paycheck and on the brink of debt, shes one dog bite wound and missed paycheck away from being unhoused. This is not normal. Stop floating poverty as success.
My mom raised us 3-5 kids on what seemed like 12 to 15 no more than 20 thousand a year. This was 30-20 years ago I'm impressed we all made it into adulthood
If you don't have major debts, YES - you can live decently in Cincinnati, Ohio * And despite all of the remarks throwing shade on the city, it is a great US City that typically makes a great impression on people the first time they actually visit the town. Lots of good paying Jobs, Great Universities, and Great Parks, Cool Bars, Three Major Sports teams and Also, The Number one Zoo in America!
Math time: Boomer generation : 1944 to 1964. Gen X : 1965 to 1985. Millennials : 1986 to 2006. Gen Z : 2007 to ....... Generations go by every 20 years. Idk whom taught what to the younger generations, but somebody sucks at math, & it's not MY generation.
@@alp.9672 Idk how you came up with that. Every generation runs a course of 20 years. 1985 is the very end of GenX. Math must be really hard for some people. Boomers are roughly '44-'64. So X'ers are roughly '65-'85. Millennials are '86-'06. (The Millennial was the year 2000.) 2007 to now is the Z's. NOT THAT COMPLICATED.
I used to be on the Vet Tech track but quickly realized the glass ceiling stops at $40-$45k in that field. (This was 2019 maybe it's changed) 😕 I loved working with animals and hate that Vet Techs are so severely underpaid for their skills and work. Personally, I decided to depart from the Vet Tech path and get a degree in Marketing. From there I was able to pursue more creative roles such as a Digital Content Manager and it's been a lot more lucrative.
Thank you for this wonderful interview. Great seeing a realistic young person, I highly commend this young woman's sensible lifestyle and livelihood. What a fabulous role model and inspiration for my 9 and 7 year olds 😇🥰🌞🤗🌻🙌
What's your budget breakdown? We're looking for stories from all ages, not just millennials! Share your story with us for a chance to be featured in a future installment of Millennial Money: cnb.cx/32TYZ2K
Thank the Lord for our daily bread
I’m gonna sit on the stones on vine street so I can see down the hill into downtown and I’ll get paid telling stories about not even the French Can conquer this land but the French return to Pittsburgh to have a little party because they used to own that land but this is American land and I’ll pay you nothing to help prevent gentrification
If you’re not downtown you’re not really in Cincinnati but you get credit for it but not for me
Why didn’t y’all ask me
hope she makes her goals.
Finally someone making a regular average salary. More videos like this. More realistic
Cookie cutter comment
Like my episode in living in Michigan and Ohio 😇
she's also 22...most people are poor at that age, she's doing well
That is NOT a “regular” salary. More like below the poverty line😭
@@lorrainea.285 For an individual no.. And in Cincinnati? She's not living in poverty at all.... Ohio poverty line is like 14k
Omg, it's not an influencer making $10,000 an hour teaching us how to sell online courses!
I know, right? Finally, not someone who makes their money off of a TH-cam channel selling their classes.
That’s the only reason I decided to watch it.
😆
The most realistic one in awhile
That's because it's Cincinnati and not LA 😆
Not sure how many times we need to tell cnbc that 22 year olds aren’t millennials- but, this was a great interview and loved seeing her story!
Yea she is Gen Z for sure at her age
She is absolutely Gen Z and not a millennial. Asinine to lump all young people as "millenials". Millennial are 30 year olds now and up.
what about the folks from 1900-1920? Are they the Warrennials?
I mean I feel like it’s just not a big deal considering it’s the name of the series. They may never change the name even when millennials are all old
@@mkhanman12345 1900-1914 would be Edwardians. 1914-1928 Lost Generation, 1928-1945 Silent Generation. Other definitions have the Lost Generation 1883-1900 and the Greatest Generation 1901-1927, then Silent Generation onwards
It's okay if she's not earning a lot of money for now. She's only 22 and is doing what she loves most which is working with animals.
Most people are in the negatives at 22 so she’s doing pretty well
22 is old enough to be out of 4 year university, I literally know ppl her same age who started at $80k
She’s doing pretty well- I agree! I’d just like to see her open a Roth IRA tho and put aside just a bit- she’s got time on her side now to invest and get all that compound interest!
@@alp.9672 I don’t think she’s trying to be other people though or compare herself to other people- she’s living her own path right now and seems content. ❤
@@alishasuz My point is people are making it seem like at 22 is not old enough for adult income, its 22, literally college grad age
But you're only 22 years old lol. Got a huge life ahead of you! It's on you if you want to make more or no anyway! Glad to know you're happy
And she’s white!
@@electrikoptik That part lol. America cities and towns for white folks is their Wakanda. Not a worry in the world lol. At 22 that's ok but the moment you approach 30 that's bum like. I'm sorry to be blunt but that the way it is in America. I didn't create the system. I was just born into it and decided to understand it for what it is.......
@@lebronsinclair8012 how much should you be making at 30?
honestly this is super realistic given that she's 22. there's nothing wrong with her salary imo
I used to be a nursing major and I was miserable. So, I switched to be a biology major and I know I'll make only half as much as I could as a nurse but I am so much happier and I think I'll enjoy being a biologist so much more than being a nurse.
I live in cincy, same age same salery. Its very easy to do here.
It’s like a stipend or work study. She maybe making less for now but once she got her license then she is good to go. Please make another episode maybe 2 years after her courses and that’s where she really begins her career
More stories like this would be good. She is getting help here and there, so that does help. But in general this was a great story in a realistic setting. Not some TH-camr who has a million followers and is looking at 2 million dollar New York Apartments or condos, which make most people feel like utter failures.
Gonna have to rename this series if they keep interviewing people born after 1996
I think you are missing the big idea.
I know why she's happy despite not making huge amounts of money: She gets to work with animals. I envy her.
Take off your shoes before you get in your bed !!! Seriously that is nasty. Who leaves their shoes on and lies in their bed. That is nasty gross AF.
Homeless people living on the street here in San Francisco make more than $32k a year. Most of them live out of their cars. It’s really sad. 😔
Tell em sister. You can definitely make it on your own out here. People are just exaggerating hardships. Some make $100,000 and still say they are broke, like how?
If you live in California, Hawaii, or New York, it’s possible as rent in those states are crazy high.
So great to see someone with such a balanced attitude towards money! I feel like most people either under-prioritize it and have the constant stress of living paycheck to paycheck, or over-prioritize it to the detriment of other aspects of their lives.
TH-cam is telling us it’s okay to be a slave to debt.
a very mature, reasonable perspective from Ms. Langhals.
FINALLY a real person. Not one „how to live on 21 million a year“
Can yall stop including very obvious 1 time expenses into the "monthly budget" breakdown
We need more videos like this, very curious to see where you can live under like 45-50k now. Some states in eastern part of the country and south I know nowhere west is reasonable anymore…. Cinci and Pittsburgh are 2 cities I know of with cheap living but very hard anymore to find affordable and good living…
She's literally living in OHIO though. If someone is living on this in Washington or California they're STRUGGLING. Speaking as someone who grew up in Ohio, and now lives in WA.
She is doing a good job!! I went to school in Cincinnati...trying to figure out how much I got by with. Rent has definitely gone up from my day :)
Lol, I lived and supported my entire family of 4 on 28k a year around Cincinnati from 2012-2018. Didn't realize that was an accomplishment.
Do you know where she lives? Her apartment looks nice for that price. Do you have any recommendations in Cincinnati, Ohio?
@@vzui1233 honestly, any male under 30 without a family I'd give this advice... Save up and buy a duplex house. Fix it up, and then rent one side while living in the other. Boom, free rent. When you can afford to move out, you rent both and now you have passive income.
@@whatsawhizzerwebnovels4927 Is this what you did?
@@missdesireindependance5194 Nope. Parents believed in a 9-5. Went to college. Wife pregnant by 22. It wasn't until I earning my doctorate I began to understand the side jobs and hustling. I started writing and started making more than I'd ever make with any job requiring my degrees. Now, more/less run my side gig while doing whatever I want for job. Teaching at the moment.
Don’t be me. Start putting anything you can in a retirement account. I wasted time in my 20s because I was making roughly what she is making and didn’t think I could afford it.
From what I understand she makes roughly 2,200 per month and her expenses per month are 2,212. I didnt count the colorado trip because that Is a one time thing so it seems like she saves 0 money and invests 0 money and lives paycheck to paycheck. Am I missing something? Not hating on her or trying to be negative, but I see people commenting on how well she is doing. Mentally im sure she is doing well because she is happy, but financially I dont think the numbers say anything happy LOL.
Money doesnt mean happiness but anyone whos anyone should understand spending 100% of your income per month and not saving or investing any will lead to disaster no matter how happy you are right now
My exact sentiments, something doesn't add up. She's basically living worse than paycheck to paycheck, it doesn't add up to me. Happy she's doing what she loves though, that's priceless!
The comments keeps saying she's young. She's not saving anything including with her side hustle. I guess when you grow up barely making it she has no one giving her financial advice for her future. She's going to have to increase her income due to rent and other expenses increases each year.
You are forgetting she’s finishing school. How many people can build savings while going to school? She will make more after she has her degree. And, she has NO DEBT. $12 a month? Mmm.. 👍
Yes! Thank you for saying this. She is spending more than she makes… that’s like the #1 rule of what not to do. I don’t understand how this is a reasonable example of someone living well with that salary, if she spends all of it….?
@@mykki.d actually I’m saying; she’s paying fir college that will technically offer her more opportunity in her career to make more $, with no Debt beyond $12 a month. Now, I’d avoid a car payment, not sure why that car is not Paid for?
I made less then $20,000a year when I was around that age,, it sucked but you learn to do without and make it work.
Her budget doesn't make sense. How can she spend 3.4k a month and make 32k a year? Doesn't add up, specially if you consider taxes.
Awesome video! Very much relatable. She’s got a good head on her shoulders. I’m the same age making about the same amount of money. Would love to see Graham react and share his thoughts.
Cincinnati is a great place to live in and it could be so much better. The problem is the goverment and crime is picking up but other than that the people are great and you will always have something to do!!!!!!!!!!
Do you know where she lives? Her apartment looks nice for that price. Do you have any recommendations in Cincinnati, Ohio?
What do correct me if I’m wrong 3425 a month is 41k and she makes 32K she has no money left over crazy
if you can't live on 32k a year in cincinnati then you have a serious budgeting problem. very easy to do unless you want to live in Oakley or hydepark.
Please, Do you have any apartment recommendations in Cincinnati, Ohio? I'm new here for school.
If you live frugally and have a steady job you can live easily of $32k a year in the midwest. On the coasts maybe a lot harder. Of course she doesn't have kids so that keeps costs down a lot!
This is what we need to promote more! None of this making 5 million a month of Tiktok bs.
I miss "How I live on $69million in San Francisco"
The monthly budget vs the posted yearly salary is not adding up. Do they not account for taxes?
nope. its misleading
If she’s 22 that’s makes her Gen Z. She can’t be a Millennial considering there’s a good chance her parents could be Millenials.
Yeah, I'm a older millennial and my daughter is 14
The power for creating a better future is contained in the present moment, You create a good future by creating a good present.The key to financial freedom and great wealth is a person's ability to convert earned income into passive income to build generational wealth
bit c0in
St0cks
shares
G0ld
That's fine for 22 years old. When you're 42 you don't want to be only making that much. Unfortunately, that used to be enough to buy a house but these days you need almost a 6-figure income to comfortably afford a home in most parts of the country.
No. It’s more like six figure income to qualify to own the home.
I’d rather be in debt for assets like a duplex or a car, then to continually throw money into the pit that is rent.
Of course she can live on 32K, her parents paid for her college and insurance lol. Also, she’s not a millennial.
She took advantage of the GI bill thanks to her father serving in the Air Force. She reimburses her dad $230 a month for insurance. Pay attention you Godless commie. Her ability to live on 32K has much to do with living in a rust belt city where rent in not 70% of your income and being thoughtful with her spending. NYC, LA, SF, Seattle and Portland are not the be all, end all of culture or opportunity.
@@underacheiver2000 awww look at how upset you are snowflake lol
Perks of living in Ohio. You can actually afford a good life
Depends where you are
Pretty much the entire state except for Columbus is very cheap to live, but the winters are long.
Does anyone know where she lives? Her apartment looks nice for that price. Anyone have any recommendations in Cincinnati, Ohio?
She's more wealthy than some of these people who make six figures + and have student loans & mortgage debt.
$700 rent?
I live in Boston so that's pretty amazing.
I also make the same wage as her.
I live fine off of 9800 dollars a year in cincy area.
Being happy at your job is worth more than money.
Wow, would you look at that...when you pay for young peoples' college, they can comfortably start off life without massive student loan debts looming over their heads, even with a lower starting salary. Wake up America and enact universal college education for all.
This segment was refreshing to see and true to life - a young professional with a common starting salary! CNBC - produce more of this type of content.
@coco marineblu nope they are not.
@@KiingM The average starting in the US is 40k, 55k for college graduates.
Always nice when its not an advertisement for a guru lol
@@KiingM starting salaries for professional training or college education is more than 30k
🌏💰 Successful people don't become that way overnight. What most people see at a glance- wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
@Dave Wilson wow!! you know him too?
I even thought I’m the only one he has helped walk through the fears and falls of forex trading.....
@Abigel Elijah I'm not here to converse for him but to testify just for what I'm sure of,
He trust worthy and best option ever seen.
@@davidangela774 He has made success easier than we thought
Love how she allows herself to spend on things that make her happy like yoga and pottery while still saving money, and love what she does for the doggies!♥️
Wow! I’m impressed by her, at 22 I was no where as financially savvy as her. She is going to do very well in this regard, go girl👏🏾
Maybe growing up in a low income household is a big factor
I've never had credit card debt in my life
She’s very relatable...without the wearing shoes in bed part ❤
Glad I wasn't the only one who noticed 😅
She is 22 years old. That’s so young and to only be getting “help” on her cell phone (which is most likely a family plan) is impressive. She reimburses her dad for healthcare. This young lady is rocking it in life and is very achievable for a lot of people her age. She lives in a low cost apartment in an area with a lower cost of living (Ohio). She has a budget and follows it. She has no credit card debt. She even budgets for her pleasures like coffee, yoga, and pottery. I wish I was like her when I was her age. The only thing she needs to be doing is saving for retirement. The earlier you start the more money you’ll have because of compound interest and the magic of time. Even if she sets aside $50 a month in a Roth IRA, she will be set in retirement. She is so successful!
ARe you kidding? lol. At 19 I was out paying for everything on my own and then having to help my mom out financially.... this is not impressive at all
@@ewidontlikeyou No one cares about you this is about her not about you.
@@ewidontlikeyou that is impressive lol why u hating 😂
@@lashondamiller2982 not really, when you’re that age you’ve basically reached your physical and mental peak
@@georgevieira6686 that's nothing. I used to have to work 168 hours a week and I used to have to walk to work in 2 ft of snow. And I was lucky to get a bowl of oatmeal when I got home.
As someone who personally knows her she is a loving and caring person who truly trys to live life to the fullest! The one month snapshot of her budget is not a great indicator of her spending because she definitely doesn't spend more than she saves. Cincinnati is a fantastic city and it was great we are represented by someone like Aspeyn!
I agree! Cincinnatian here 👋🏾
The Nati!
Up in Columbus, have family in Cincinnati and Dayton, other end of the millennial generation, at 39. She's in a decent position to get ahead however she needs to find a partner who is also responsible.
Having a partner who has spending and saving habits close to your own are a big deal.
It is a hidden gem of a city, I'm in NKY
@@OmniMontel That can be said for anyone in modern age living now.
Finally a Gen Z with a realistic, positive view on life! 32,000 a year in a career she loves is amazing! Cincinnati is affordable and thriving. She decided happiness and a debt free comfortable life over the get rich quick influencer ideologies most people her age abide by.
It’s refreshing to see a REALISTIC working wage and not “ I work as an IT specialist and live off of $990,000 a year “
It is always refreshing to see someone doing what they love even though the money earned is not a lot by today standard. And she is a responsible adult.
Great video and breakdown! Yes, in Cincinnati, you can make a regular salary and still live a great life!
As an Ohioan its honestly mind-boggling to me how people don't see this as normal
A studio here in Miami will run you a minimum of $1,500-$1,800 a month. Which is the exact reason I’m considering the Midwest. My money would go SO much further, instead of living paycheck to paycheck I could actually afford to enjoy life a little.
$2,500 a month for a studio in suburbs of NYC. Horrific. But nice to know there’s more livable places I can strive to move to
I must say that knowing you is my greatest achievement in life, i receive my profit $10,000 successful, all thanks to Mrs Ava Kimberly may God keep on blessing you.
Wow I'm just shock someone mentioned expert Mrs Ava Kimberly I thought I'm the only one trading with her, She helped me recover what I lost trying to trade my self.
Another great withdrawals today!! £73,500 i appreciate what you've done for me, you're the best and i promise to spread your good work, thanks so much Mrs Ava Kimberly.
Thanks Mrs Ava Kimberly you've been so wonderful to me and my family, thanks for the cash out.
I'm from India Mrs Ava Kimberly change my financial status for real, I'm now a creditor not debtor anymore
It's not about watching videos and wasting your time on strategies, I was ignorant doing so. So I decided to try Mrs Ava Kimberly and ever since then she has made about $14,000 for me on every $5,000 I invested
She seems so humble and sweet. She's on the right track and I know she's going places. *edit - grammar.
I’m glad they have stories like these because it’s much more realistic & what most people can realistically obtain or make a year. I honestly couldn’t care less about the millennials making $902143687.5 trillion a year. I want to see more normal people with average to slightly above average incomes like this. Please make more of these type of incomes! Not all of us want to be the next greedy billionaire villain
She’s not a millennial wtf 😂😂😂 millennial stops at 96 this woman born in 2000
They had me thinking I was a millennial for a moment 😂
Lol some sources say 1981-2000 and other sources say 1981-1996, so maybe they are going off the former year ranges. Either that or they just needed a young person to share their story lol
I was born in 2000 and I’m considered Gen Z I definitely can’t relate to any millennial lol Was really cool to see someone my age
Um...'Millennial' IS the year 2000....omg....
@@FrankBelief A generation runs every 20 years. My 'X' generation is roughly from 1965 to 1985, (as the Baby Boomers generation is 1944 to 1964) so, Millennial starts roughly 1986 to 2006, then the 'Z's' are 2007 to now. So, Idk why Millennials think their generation time stops before or to 2000, & assume adult ages are 'Z.' Somebody sucks at math. The 'Z' generation are mostly still kids/minors.
I visited Cincinnati a few years back and it's a really good city. Great museums and restaurants. Transit is so so though.
Iced Coffee is indeed the best part of my day , it’s worth whatever it costs , the argument of just make it at home doesn’t factor that in
Nope, you need to set up a retirement account IMMEDIATELY! Even if you are only contributing a small amount, say, $100/month, time will work in your favor. DO IT NOW!!!!
The power of compounding. Do it now!
Did you see her monthly budget? She doesn't have a spare $100/month.
If she were 30, I'd agree with you. At age 22 --- she's investing in her education --- that will lead to higher income and still plenty of time to invest for retirement.
@@brycewalburn3926 $80 a month for coffee...
@@mscott1997 a nice bag of coffee a week that you brew at home is $60/month. $80 is not ridiculous at all.
It's wild that society got to a point where 22 year olds feel like them making 32 k a year is bad. Many 22 year olds don't even have jobs in the first place
True that. Im making 38k at 27 and feel like such a failure. This (while still someone younger than me) at least gave me a little bit of relatability.
First the fundamentals they don't tell you.
1. She's white. That opens doors trust me in this.
2. Her family has money and they wouldn't let her starve, struggle or be homeless.
3. She's a female with the power of the P! A man will help her even though she makes next to nothing, she's needed to cook, clean and keep him satisfied.
YES more videos like this please!!
Much more inspiring to hear about a regular person’s discipline and contentment than an outlier’s story that required a good deal of fortune.
Fellow Cincinnatian here! Love to see it! You’re such a bright and creative soul. Wishing you nothing but the best!
I definitely hope that when she finishes college, she is able to increase her income. Although Ohio has a lower cost of living so $32,000/year probably goes farther than other places
I don’t think she was in college I think she was doing some training for her job?
The cost of living in Cincinnati is comparable to other midsized cities. Her rent is very cheap and I think she actually lives in northern KY ( judging from the video) which is cheaper.
@@ashleys4263 Like most millennial money vids, something is missing from the picture.
Not as far as you might think in Cincinnati. It's actually a real city here
@@ladydi3515 💯. People see this video and think okay I can move there and do the same thing. lol. The big employers like P&G, Krogers etc are only hiring a few people who fit a certain criteria. Cincinnati still has a conservative vibe so good luck if you don’t fit in. But my family has been there since the 1920’s so don’t take my word for it.
All she needs to do is start saving for retirement tbh
Shes only 22
@@djkenny1202 what does that have to do with anything?
This is not very relatable content for the majority of 20-something’s… I can assure you most people my age don’t have parents who cover health insurance, phone bills, and have free university rides.
I am from Cincinnati and she is right -- you can have a pretty decent lifestyle on that salary. As a student, I was making around $1000/month and living roommates and did not have a car and I was just fine.
Wow that’s awesome
You cant do that forever though. Also living without a car in Cincinnati isnt easy
@@Austin6403 its easy
@@andrewmunlin5263 i was literally in her shoes 3 years ago, in the same exact city. Was not sustainable.
@@Austin6403 -
Why do you think so exactly? Is a car necessary for that city?
Great video!! She should be proud of herself. I wish I had the wisdom she has at her age. We love animals too and never heard of this profession. You go girl!! More of these on this topic will be great 😃 We can all use the information and inspiration during this tough time in our economy.
Agreed She’s awesome
More of this please CNBC. Not more of TH-camrs and so called 'influencers'
Her rent is $700 everyone they interview it's something stupid like $5000 especially in new York
I KNOW RIGHT!!!
Good for her. Finally someone not living off constantly recording themselves talking
LMAO!
Awesome to see Aspeyn living independent of her parents and learning how to budget on her own. Aspeyn, if you're reading this, check out Roebling Point for coffee. I go there all the time! Great video
Do you know where she lives? Her apartment looks nice for that price. Do you have any recommendations in Cincinnati, Ohio?
22 is not millennial, that’s easily Gen Z. I say this as a 23 year old. Guess “Gen Z money” doesn’t roll off the tongue as easily. Maybe early adult money? XD
At 22, I Didn't Know The Meaning Of Saving Money In My Younger Days. Now In My 30's, I Learned To Start Staying In The House To Save Money. Lol! 😂
I make 45k ish a year. Started my own business and still working my regular job. I thought I knew what i wanted to do with my life but turns out that wasn't the case. So my siblings and I stay home and take care of our mother untill we find significant others that we can combine resources with and move out because that's the only way to survive comfortably in this economic sh*t hole.
I am so confused. These numbers aren’t adding up once again.
She makes 32k a year. Then she makes about 2200 a month.
And n the end she spends over 3600 a in August.
So she is basically going over 1k in the whole a month.
Or you are not doing a wholistic analysis of her finances. It’s like let’s have a vlog with nice music and no substance.
Lol, I get that Cincy is basically just the metro area, but all of the footage was of Covington.
Newport
So no student loans, a room mate......this is not a reasonable budget. Her expenses are exactly 2200. If she has a car break down, gets sick, medical copay, or an increase rent or electric or her car breaks its over. She is paycheck to paycheck and on the brink of debt, shes one dog bite wound and missed paycheck away from being unhoused. This is not normal. Stop floating poverty as success.
Even 50-60k a year is rough in most places
No it’s not
@@hitsongsa yes
It’s hard to make that much a year, but it’s plenty to live off of each year.
Bro I thought she was at least 28-29😭
Hey my city i loveeeeeeeeeeeeeeeee it here cincinnati in the building whoop whoop.
My mom raised us 3-5 kids on what seemed like 12 to 15 no more than 20 thousand a year. This was 30-20 years ago I'm impressed we all made it into adulthood
Please feature more of this salary range!!!!
CONGRATULATIONS. This is so refreshing.
If you don't have major debts, YES - you can live decently in Cincinnati, Ohio * And despite all of the remarks throwing shade on the city, it is a great US City that typically makes a great impression on people the first time they actually visit the town. Lots of good paying Jobs, Great Universities, and Great Parks, Cool Bars, Three Major Sports teams and Also, The Number one Zoo in America!
Sis is thriving! Go off with the passion projects, pottery and yoga is lit.
A 22 year old isn't a millennial
Math time: Boomer generation : 1944 to 1964. Gen X : 1965 to 1985. Millennials : 1986 to 2006. Gen Z : 2007 to ....... Generations go by every 20 years. Idk whom taught what to the younger generations, but somebody sucks at math, & it's not MY generation.
@@Dark_Harmony I am 1985 I am not Gen X. Millennials are from 1981-1996
@@alp.9672 Idk how you came up with that. Every generation runs a course of 20 years. 1985 is the very end of GenX. Math must be really hard for some people. Boomers are roughly '44-'64. So X'ers are roughly '65-'85. Millennials are '86-'06. (The Millennial was the year 2000.) 2007 to now is the Z's. NOT THAT COMPLICATED.
@@Dark_Harmony What do you mean how? Its literally true and every 80s baby agrees.
I used to be on the Vet Tech track but quickly realized the glass ceiling stops at $40-$45k in that field. (This was 2019 maybe it's changed) 😕 I loved working with animals and hate that Vet Techs are so severely underpaid for their skills and work. Personally, I decided to depart from the Vet Tech path and get a degree in Marketing. From there I was able to pursue more creative roles such as a Digital Content Manager and it's been a lot more lucrative.
Yea Vet Techs are very underpaid, it is a passion job. She should just go for veterinarian.
Hasn't really changed. That's a bit on the high side to be honest unless you're working in a big city. A lot of places they don't even hit $30k.
Lucrative and less fulfilling?
Great video. Finally someone with a salary we can relate to.
I made a lot of money and still dont know where my money goes. She is amazing
You need a budget. And a goal.
Thank you for this wonderful interview. Great seeing a realistic young person, I highly commend this young woman's sensible lifestyle and livelihood. What a fabulous role model and inspiration for my 9 and 7 year olds 😇🥰🌞🤗🌻🙌