Barbara Corcoran Reacts: Living On $120K A Year In The D.C. Area | Millennial Money

“Shark Tank” investor and Corcoran Group founder Barbara Corcoran takes a look at how Garrett Ramela, a 24-year-old former Marine, makes and spends his money. The former Marine makes $120,000 a year as a defense contractor and owns three properties that bring in nearly $40,000 a year in rental income.
Read more about Barbara's reactions here: cnb.cx/3dcW6O2
Real estate expert, TV personality and “Shark Tank” judge Barbara Corcoran thinks Garrett Ramela is on the right track when it comes to his finances.
The 24-year-old not only earns a base salary of $120,000 from his day job as a defense contractor for a tech company, but he is building an impressive portfolio of rental properties. He owns two places in the Washington, D.C. area, where he lives, and another in his hometown of Pittsburgh.
One way he’s been able to afford to invest in real estate at such a young age is by taking advantage of a VA home loan, which he has access to because he’s a former Marine. Corcoran approves: “He’s a smart kid. The biggest benefit going into the military is not while you’re in the military, it’s after you get out. There are so many benefits, and he’s immediately taking advantage of it.”
The VA loan allowed Ramela to purchase his D.C. area properties with 0% down, no private mortgage insurance and competitive interest rates. With those terms, “why wouldn’t you buy an apartment?” Corcoran asks, reacting to CNBC Make It’s Millennial Money episode that features Ramela, which was filmed in fall 2019.
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Barbara Corcoran Reacts: Living On $120K A Year In The D.C. Area | Millennial Money

[@CNBCMakeIt]

What’s your budget breakdown? Share your story with us for a chance to be featured in a future installment. cnb.cx/32TYZ2K

[@smitshinde421]

Make a video on Dentist in US. How much do they earn? What kind of lifestyle, spendings and savings they do

[@katy3901]

@@smitshinde421 Ooh, that's a good one!

[@Jordan-ll5eq]

smit shinde I’d rather see an average person because that’s more relatable to me there’s already alot of videos on people with high income

[@GrahamStephan]

Ohhhh....should I react to Barbara Corcoran Reacting to Millennial Money??

[@EnigmaTanker]

go for it

[@VerStarr]

Sure why not! Haha

[@unsimplemulticellularlifef5739]

Do it graham

[@unsimplemulticellularlifef5739]

Every time I watch millenial money I think of you lol

[@ralflopez864]

Why are you even asking

[@macktheknife17]

"He's not going to get married." "Notice he said 'I' and not 'We.' Man she's stirring the pot on this one. Hopefully the girlfriend has a good attitude about it.

[@TheAlijamaica]

She's not wrong.

[@yaserchow]

It's probably not filmed in chronological order. They just edited it that way. They won't make that mistake again.

[@vee9043]

She's a wise older woman who has seen some things.

[@KristinA-xv4yk]

She’s right, though.

[@jennysmith9134]

And she might not want to get married either.

[@americandream7517]

They should make a “living on unemployment and $600 per week stimulus around the country” and start interviewing random people.

[@avaq2588]

I know everyone on here is too put together.

[@HunkMine]

I very much agree. This channel has an elitist bias

[@TheChos3nOne]

Try being an essential worker and making less than people on unemployment

[@TheChos3nOne]

@@HunkMine it's not elitist . Just people that work make money . Very simple . Or at least that's the way it should be

[@judydesigns]

Yes! Why have they not done this yet!?

[@davidliang913]

Despite everyone saying, "I'm out" she is giving some really valid advice. For that reason, I'm out.

[@melc5499]

💀💀

[@nurrasidah4824]

🌚🌚🌚

[@TheWarrior1256]

Guy's 24? He looks 31.

[@TruthShallPrevail4]

Most white people do IMO.

[@nslouka90]

Military sucks you dry

[@All_Melanin_07]

More like 44

[@milesxd]

How does he make $120 a year and have a monthly budget over $12,000? Even if it is after tax earnings it doesn't add up.

[@abhim9221]

hasnt ate a veggie in a few years

[@AdrienneInvests]

"he said I, not we. That's not good.. I mean not good for the girlfriend" lol I'm dead

[@lipinglin1994]

I LMFAO to that one.

[@johnlee2238]

RIP

[@CarolCarolDoddDodd]

Me too. That was some serious shade. This guy was going to show this to all his friends and relatives and now he can’t or his girlfriend will be mad at him.

[@Marco-jm1mo]

@@CarolCarolDoddDodd Ikr lmao

[@willdey1]

she keeps saying smart kid, good with money... Dude earns $120,000 per year but spends $12,000 per month = $140,000 per year...

[@benirabinowitz4850]

Exactly what I was thinking...

[@vanguard4065]

he also earns 40,000 a year from rental property so that adds to 160,000 with his job salary

[@ah2522]

120k is his salary. He's not counting rental income or capital gains

[@sooutstanding31]

$1,300 is way too much to be spending on eating out. That adds up to $15,600 a year.

[@natep6729]

yeah well he makes 120k so whats ur point?

[@ice-mm6em]

@@natep6729 He's only saving $100 a month tho lol, 120K before tax as well and $15,600 per year for one person is a lot of money.

[@hypothalapotamus5293]

@@ice-mm6em It's a bit more complicated than that. He is pursuing a high risk-high reward strategy where he is making highly leveraged real estate investments at a very young age. If everything goes ok, he'll make a killing. His returns vs the amount he has invested will be insane and he will be rich. If a number of things go wrong in the next 12 months (e.g. he loses his job and/or the real estate market tanks), the scheme implodes and he loses his shirt. Would halving his food budget save him or make his plan much less risky? Let's assume that he immediately decides to consolidate his position by paying off his high interest rate debt as quickly as possible (as he said he was doing). The $7.5K shaves a month and a half off of the debt repayment (a year or so timescale). It only adds ~10% to his savings after that. I don't think that the food budget will make or break his plan. IMO, he should spend the next year or so after repaying the high interest debts investing in liquid assets like stocks so that his portfolio build is less glass cannony...

[@grantbess9029]

@@hypothalapotamus5293 I agree. His is especially risky because the amount of equity he has in the investments is extremely low since he is using VA loans. 0% down means 0% equity at the start of his investment. The cash flow is great but the longer it takes for him to build equity in the investments, the longer he is putting his portfolio at risk.

[@jasonwilkins1969]

He is wasteful. Just do some meal planning. With that much money, you could max out an IRA every month.

[@andrewwiggin6174]

“He’s from a small town so he automatically has good values.” Lol what

[@lorrainea.1166]

Same thing I thought, not sure what her thought process is. Some of the worst things happen in small towns. People are people anywhere, both good & bad. Her comment is dumb!

[@traderjoes8725]

true

[@CarolCarolDoddDodd]

Having grown up in a town population 2000 it teaches you that everyone is somebody and that everyone has worth. I’m thinking that’s the value she is speaking of And we do have an unusually high tendency to want to help others because everybody is somebody -you just haven’t met them yet.

[@Sidious6460]

Many of the most racist people I know are from very small towns lol. Its one of the most ridiculous statements Ive heard someone say while being serious.

[@ana-hu3cn]

Why did Barbara say "you've gotta look the part" to manage money? What kinds of people don't look the part, Barbara? That comment rubbed me the wrong way

[@neharahman7828]

look like a young white man lol

[@StarStrife100]

Somewhere Dave Ramsey is screaming

[@nyranstanton203]

If you survive the military, there's no serious immediate wars and don't get deployed to a bad situation......there's benefits.

[@Zero11_ss]

The support staff(people not on the front lines) are basically in no danger most of the time though?

[@investwithdavis1235]

He must not have been paying attention when they were teaching opportunity cost in his business class. That $1,300 a month in eating out could be significantly reduced and invested!

[@SaceedAbul]

If you make enough than it cost more money to do that

[@kylenichols8944]

SaceedAbul it will never in a million years cost more money to cook at home to eat out every meal. The only thing he’s saving is his time. But you can’t make the argument that the cost of his time is wasted since he’s still at the restaurant eating out...

[@MissMBA]

Yea. Too much. And for a wrap you can make at home...

[@jalabi99]

It's DC. And that Nando's is delicious so I can''t blame him too much.

[@KristinA-xv4yk]

I’d eat PB&J for the rest of my life before I spent $1300/yr eating out lol

[@lukeonorato9815]

He has good values and for that reason, I’m out.

[@TheIvyLens]

LMAO!

[@hartwick87]

How does he make $120 a year and have a monthly budget over $12,000? Even if it is after tax earnings it doesn't add up.

[@carlosllanos9913]

Bold of you to assume he pays taxes

[@AndySaenz]

Exactly, these numbers are nonsense. A $12K monthly budget adds up to $144K a year, which is $24K above his annual salary.

[@austengreen6827]

Exactly! there has to be some missing information. He should be taxed 30% (FICA Included) of his income at the very least. That would mean he makes close to $7k a month, almost half of his monthly budget. He would need to make at least $240k a year to have that kind of budget (Not including tax write-offs). However, he is a vet so he could be subjected to property tax exemptions and he pulls in $40k from property (but they did not say this was included).

[@sandramartinez8105]

The Official Andy Saenz rent that he gets maybe??

[@saulgoodman2018]

He makes $1,000 from his roommate, and like $300 for his rentals.

[@kimhirtle9990]

Growing up in a small town automatically means you have good values? COME ON BARBARA!!!

[@ZachSchieffer]

As much as we all know Barbara's out, it is hard to deny she knows what she's talking about when it comes to real estate investing!

[@Existential_Dread]

Good ol’ white people, just tryin’ to get by with the nu-slavery rules we all live by.

[@csanton3946]

she is really good at what she do. if youve done real estate in new york youve seen it all

[@aldralee]

Telling a 25 year old not to get a Roth IRA with the long term compounding potential? 🤦🏼‍♀️

[@everythingisawesome2903]

Hi! I'm not an American but I'm 27 years old so can a foreigner also get an Roth IRA? If so, what's the process?

[@aldralee]

@@everythingisawesome2903 Hello! I actually don't know how things work for foreign investors, but it's worth investigating.

[@Zero11_ss]

@@everythingisawesome2903 You would have to see what kind of retirement investment options your country has. Every country has their own kind of things with their own rules.

[@phase12015]

How does a person make $120k a year but spend $12k a month? Taxes must not exist in DC or he really makes $200k+ a year.

[@weswest8666]

Ya taxes on that much income would be ~3k per month depending on retirement contribution.

[@weswest8666]

Or maybe it’s including rental income?

[@EwYoureCringe]

Whenever they have roommates they put the entire price not the share & its probably the same w the rental properties. Idk why lol

[@phillipii4709]

1000+1700 = 2700 from rent. So monthly income is 120,000/12 + 2700 = $12,700. Just use some maths buddy.

[@phillipii4709]

@@weswest8666 You get tax credit on certain debt.

[@safetyfirstadventurewithan5796]

How is this not fraud? You must certify use as a primary residence to qualify for a VA Loan.

[@Tagg25]

🤐

[@bradleybell383]

I was thinking the exact same thing. How did he get another VA loan for something that wasn't a primary residence? Also, since he hasn't paid off his apartment, most of his entitlement is being used there. He could take out the remaining VA entitlement for another property provided it's his primary residence.

[@IL_Bgentyl]

Was curious on that also because I doubt you can do a VA blanket loan.

[@mugentuner]

Love. Barbara out of all the sharks. She's so genuine and inspiring.

[@AndySaenz]

6:20 Barbara looks so cute in the kitchen! That’s an adorable photo of her.

[@otherryan]

Well today we learned that Barbara isn't a fan of Nando's chicken

[@ginnyweasley3515]

She was going after that plate

[@melc5499]

For that reason, I’m out

[@raxjax8787]

I thought that the VA loan wouldn’t lend him another loan if his current loan (property) wasn’t pay off yet.

[@TheIvyLens]

Barbara Corcoran with the real estate wisdom, love her!

[@Existential_Dread]

What?

[@Alexandre-xz6jm]

??

[@financiallift6185]

"who cares if you want to eat out, enjoy it" Also Barbara "I wouldn't have chosen that meal!" That wrap and fries looked good, what stuff is she eating

[@febthedeb9850]

Not enough gold leaf for her liking

[@MichaelRockfez]

If I ate out everyday, I’d have to choose healthier stuff than that-especially if I’m too busy to burn off the food.

[@ladylove34]

Her system isn’t used to eating pool food. #curlyfries

[@kushal4956]

she's old, I think she eats healthier now

[@jennysmith9134]

@@kushal4956 and very thin. I kind of wonder what she eats now!

[@StarStrife100]

"My name's Barbara, and I like this guy, and for that reason, I'M OUT!"

[@FinancialShinanigan]

Barbara is coming for Graham with that Like comment lol

[@mateoreyes7415]

Wait this dude spends 12,000 dollars a month and makes 120,000 dollars a year? That’s 144,000 a year! Somethings not adding up

[@amandawithlov3908]

My guess is money coming in from his apartment in National Hardbor for rent.

[@ladylove34]

Add the following: his $120k annual salary, his income from his two other properties, and the 1 grand a month from his roommate.

[@sarasphalak788]

I think you should also put the people's story of how they struggle and make this success possible.

[@bigpap90]

He looks like that dude from 13 Reasons Why. I think his name was Bryce

[@Bonanzoo]

3:57 Barbara tells him he should move out of his apartment and rent out both rooms. Did she not just hear him say that the VA loan requires it to be his primary residence?

[@alejandraclevesmorales1741]

Good I’m not the only one confused by that!

[@AP-lw4rw]

Barbara has a fearless character, even when it comes to business. Fearless people are about attacking and acquiring rather than defensing and retaining. With attacking and acquiring, you position yourself for beautiful growth. I LOVE IT!

[@avib4073]

Can someone explain the whole process of “buying the first property and as the rent goes up, you put a new mortgage on it?” Does she mean as the rent you charge people goes up? Then how do you invest in new properties?

[@jackwang660]

Wait until you get a horrible tenant who doesn’t pay you and it may takes year to evict them out.

[@goldboyjr]

Hi I'm Barbara, and for that reason I'm out.

[@Existential_Dread]

I need to know her inputs though.. oh wait, I’m also out.

[@saulgoodman2018]

He basically have no savings.

[@berksarioz969]

Ehh, I don't think $6000 a year in Roth IRA is gonna make you broke and unable to invest in real estate with a good income. It's important to diversify and Roth IRA is tax exempt once you put your money in. But she got good points.

[@johnappleseed203]

Mark Cuban was just asked which shark from Shark Tank he would start a company with, he said Barbara. It's no wonder!

[@ToddBaldwin]

Way to go Garrett! I met Garrett and his girlfriend. Super intelligent and humble guy. Way to go my friend!

[@Existential_Dread]

Lol

[@superprogressive2235]

120k, ~12K a month. Where are the taxes?

[@dw7312]

Small town values can be and often rotten to it core ... trust

[@Davelement]

Such an easy case to dissect... He had parents that taught him things. I have friends like this, and it bothers me that I just learned this mentality at 40 years old. Better late than never I guess.

[@saulgoodman2018]

ICNBC is trolling Graham now.

[@gyg8853]

Barbara..12k expenses x 12 months =...? Vs 120k income which I assume is pre tax? I’m confused.

[@loganc2380]

On his second investment, if mortgage cost 1595/month, and hes renting it out for 1705/month, doesn't he lose money? Its not taking into account property taxes, home insurance, or any possible repairs etc

[@internetusercynthia1621]

The mortgage payment includes taxes and insurance. Lenders likes the security of paying it themselves as opposed to the borrower.

[@loganc2380]

@@internetusercynthia1621 oh true, I forget some lenders do PITI while others just do principal and interest... but I will say hes operating on pretty slim margins (110/month), any decent sized repair will cripple his returns for months

[@kylenichols8944]

Logan Chen he’s building a ton of equity though. If all else fails and he needs to spend 10k on repairs, he can always take barb’s advice and refinance to get some more liquidity out of his mortgage

[@loganc2380]

@@kylenichols8944 since he's 24, I believe he probably only had the houses for a couple of years max? And even with the 20% growth in equity on the PA property, he probably has about 25-30% equity in the property (generally mortgage companies allow you to refinance at around 75% LTV), so he can pull out a couple thousand after paying a couple thousand in closing costs... Obviously this is my opinion, but I think if he cut down a bit on the some parts of his budget (maybe 100-200 off of food a month) to build a bit of a savings cushion, it would be much safer

[@saulgoodman2018]

$100 in savings? $1,500 for food?

[@christopherwilcox9654]

my monthly budget is $1,500 lol

[@putrapratama-sq8hu]

Quick advice.. during inflation like now taking debt are the best time to do it... like buying rental property mortgage... so the asset price rise would eat your mortgage away...

[@garrett21]

Dude needs to learn to cook. $15k a year on food is ridiculous!

[@Existential_Dread]

No you

[@naitcst]

Waiting for Barbara react to graham!

[@abhijitbharadwaj5369]

That's actually some pretty solid advice

[@cribphonic8356]

“He should move out of that place and rent the whole apartment, much better investment” then where is he supposed to live? His car 😂

[@amazinghannure6440]

in a cheaper place.

[@ginnyweasley3515]

That actually doesn’t sound that bad...

[@quintongarofalo2566]

In a the cheapest house with like 3 or 4 beds. He'll cash flow better.

[@djdjdjdj126]

Also he said the VA loan requires it to be his primary residence. So I don’t think he can

[@chrisknoblock]

@@djdjdjdj126 So you can only have one VA loan at a time, and it can only be used for a primary residence. I believe the minimum period is 12 months occupancy. He could move and get a regular mortgage somewhere else, he would just have to have a down payment and qualify.

[@salmoncake3454]

How is monthly income is $12232 and $120,000 annual income???

[@1FatimaTima]

No one's going to comment on the paper plates? That's terrible advice!

[@exxxxcellent]

And horrible for the environment. Just watch TV while you wash the dishes dammit

[@1FatimaTima]

@@exxxxcellent Exactly my point, I don't mind paying for convenience, but it's awful for the environment! And food tastes so much better when you use decent tableware

[@cmcdonnell2347]

Yeah agree, absolutely awful that someone would choose to use paper plates. Such a waste and for what? Saves you maybe 30 seconds of washing it. Such unnecessary waste. Can't believe that she gave that advice.

[@honeytgb]

At $12K a month, that's $144K per year of expenses.

[@amolgill7480]

We need ROBERT HERJAVEC TO REACT!

[@vikrantc.358]

Graham should react to this

[@Zeljia]

I need Graham to react to this, especially the roth IRA part🤣🤣🤣

[@HunkMine]

I don't understand this IRAs are overrated. You legit get like 5% matching and can play the stock market without taxes and fees. Why not max it?

[@Someone-qi3zz]

We need more Barbara Corcoran

[@colorfulcodes]

I'd love to see more of her.

[@shannonhutchinson4084]

It feels as though you are just copying Graham. Especially when you say to “smash the like button.”

[@aidenw207]

85% of Grahms money comes from KZbin, Barbara is a real investor.

[@blitzace9728]

Everyone says smash the like button

[@bryanfeliciano4102]

@@aidenw207 what's wrong with making most of your money off KZbin?

[@saulgoodman2018]

Not copying, trolling.

[@aidenw207]

@@bryanfeliciano4102 Nothing. love youtube. He doesn't have investor experience, Barbara does that was what i was pointing out

[@BlenderRenaissance]

"The former Marine makes $120,000 a year as a defense contractor and owns three properties that bring in nearly $40,000 a year in rental income. The 24-year-old not only earns a base salary of $120,000 from his day job as a defense contractor for a tech company, but he is building an impressive portfolio of rental properties." Well, that's misleading. I thought he earned 120k from business. It's just a job with a side business.

[@jes6628]

im only 5 minutes in but barbara said he should move out and rent the whole place but the va home loan is for primary residences, at least thats what the guy said.

[@AndySaenz]

Why is he spending $5,000 a month to pay off debt if he’s making $120,000 a year? And he’s only saving $100 a month? 🧐🤨

[@bryanfeliciano4102]

How does he have student loans when the man has a gi bill ?

[@shineshinexc]

the numbers do not add up. he makes 120K per year total and spends 12k per month? Even if you ignore taxes how is this possible? CNBC get your crap together.

[@victorelnecave5157]

3:58 what if you don’t get the place rented? How can you assure that?

[@k.austria3021]

Love the input. More power of this episode!

[@ItsYoYoHo]

Dave Ramsey is rolling over in his grave.

[@Davelement]

No, the eating out money is strictly about chasing chicks. That's the angle never mentioned in these videos. The fact that I gave up individual gain for starting a family. It's in the genes.

[@blahblahblahfunny]

Jenny from Dragon's Den called to say she's out

[@Chuubie]

Love Barbara’s tip about leveraging up at 4:24

[@MrKennethkaigu]

Barbara really gave solid advice

[@gillesxrp]

If you do not have the money to buy a house, then buying a house with 0% down is the worst you could do

[@bethea28]

Can someone explain or send a link that explains the leveraging up concept that she speaks of at 4:22?

[@tjalisepalmer2791]

"Oh just use paper plates so you don't have to do dishes" so wasteful & typical of rich ppl to assume you have the money for $2-4 in paper plates every week

[@Insideoutcest]

you cant throw away $2-4 a week without capsizing? LOL

[@craigag76]

1:29 Why does he have a budget of $12K, when he makes $10K a month?

[@traderjoes8725]

Am I the only one who is missing the part of where his current $12,232 comes from? We know precisely what he is spending though.

[@daviddrinkwine5029]

Her eye's are freaking me out. Just saying

[@areyantorres6844]

What does she mean by getting another mortgage and shaking the coins out?

[@herogebrial]

Using the equity of that particular property

[@Sobek88]

Yea he makes 12k but his expenses are 10k so someone with no debt who works in McDonalds is more comfortable than him...

[@elevendysevensclub]

Barabara, I love your comment about IRA’s at his age and how he shouldn’t worry about the debt as he’s using the credit for business expenses to build his fortune. I was thinking about contributing money towards an IRA and saving but realized I actually make a better ROI when I invest that debt into my business. I came to the same conclusion you did despite financial advisors advice to start one. It’s great to hear your perspective as it is reassuring.

[@IL_Bgentyl]

The reason a Roth IRA is good is due to tax free. You max it out until you make to much then just let it grow.

[@brycenurding8133]

"he didnt say we" lol Barbara

[@bradrigsby8808]

Plenty of people “get out “ of small towns without the “only choice” of the military! And by the way, many who leave come HOME when it comes time to raise a family. They want their kids to have what they had growing up. Safety. Community. Etc .... there is a lot more to life than crime, noise, traffic, etc. it’s fine if someone enjoys the city I’m just over most of those putting down small town life. We are the backbone of this county. It’s time for a little respect.

[@classifiedlevel1047]

i love barbara a lot

[@Zero11_ss]

He doesn't live on 120k a year, the monthly 12,232 budedget x 12 months alone is almost 147k...

[@leonaking1865]

Really, my business degree is no good. Can businesses pay workers $15 a hour? Substitute teachers at Kokua Education in Houston Texas are STILL making $11 an hour and being forced to work with no medical insurance, no unemployment insurance (taken away behind workers back, covid-19), no help, just work. One Houston school had 54 employees out sick. @/workingpoor

[@melc5499]

I use paper plates and for that reason I’m Barbara

[@ToneRetroGaming]

I'm a vet I had no idea you could get multiple VA loans

[@amyrilin]

Isn't it illegal to get the VA home loan and then not live in it????

[@Donaelley]

LMAOOOO

[@gadgetboyplaysmc]

12k a month is 144k a year

[@fnfn9199]

taxes and such

[@Adventure_blac]

He has a rental property that costs him 1595 and he rents for 1705? That’s trash. 110 a month gets eatin up by maintenance vacancy and cap ex. But he’s still young. It’s good he’s investing

[@officialalonzo263]

We live in the same county, PG County, the best County in the DMV area hands down.💪🏾

[@VerStarr]

Oh man! This is cool!!

[@Ahamps]

Paper plates.....? So much waste

[@Existential_Dread]

Get a life

[@Ahamps]

Existential Dread we’re on the same boat 🥱

[@noahm7947]

120k a year does not even bring home 12k a month. The numbers dont add up.

[@Slim-C]

Did I miss something? How are his monthly expenses $12,000 a month when he only makes $120k a year? That’s maybe 8-9k per month net.....

[@hankschrader7050]

She has the brain of a man. Sort of like Judge Judy. I admire Alpha Females. It goes to show that if the merit is there, you get respected.