Living On $172K A Year In NYC | 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

[@nathanswenson1887]

I'm 28, work just outside Philadelphia in investment management, make $400k.

[@pacwinds8221]

please no more NYC. been done to death. why not focus on cities Millennials are flocking to, like Raleigh, Dallas, Phoenix, etc.

[@blank.9301]

I wish I lived in Denver, but I'm Australian 🇦🇺👍🐨, lol.

[@NateOBrien]

I live in Philadelphia... 🙋🏼‍♂️

[@johnanna6047]

I am 24 and I live in manhattan while working as a software developer and make around $290k from my main job and around $80-$90k from other freelance projects and investments.

[@einnorw]

wtf why is he so likeable i wanted to be salty about this

[@Clownconspirator]

duster is the best band of all time

[@rahulkahol]

😂

[@MichaelWaltz]

I agree! I was so ready for a “I make 173k but i’m struggling to pay for all my drugs and women” but I really enjoyed watching and think he’s a great guy!

[@jonathan-rw3mx]

Because he has money.

[@einnorw]

@@jonathan-rw3mx no, that's what I wanted to be salty about lol

[@fasthandsz]

As long as he doesn’t act like the 3 guys in the metro train in joker he’s cool

[@jmartn677]

fasthandsz 💀💀💀

[@burrichjoker5328]

Lmao

[@oDyLaNx]

Don't be salty that you are poor. Be motivated...

[@fasthandsz]

Maurice Hendrix don’t be salty that you’re dumb

[@angellacanfora]

"send in the clowns..."

[@jacquelinm2662]

Drake is who I want to be when I grow up... I’m 26.

[@hazelnuts23]

Try reverse aging

[@erjanica25]

Me Too! Exept I'm 37!

[@mathewvanostin7118]

You dont want to be that guy. This guy sacrifice his time. Attention. Energy and effort for money for months. For years! He did say he work 15 hours a day. And sometimes have to totaly adapt his schedule to his customers. Meaning he surely has sometimes to work 7days/a week to be sure to reach customers only avaidable on weekend Society manipulate you that money is hapiness. Cause that boost country economy & give tons of tax revenue to the government. They dont care about your hapiness To me as long as you are able to pay off all your basic needs. Have some money for fun. And comfortable lifestyle..youre good!. Go have fun..go make love with a hot latina. Watch some good movies. Eat a good pizza. Play soccer with some friends. Play your favourite video games. Get drunk with some bacardi alcohol cans. Thats hapiness 😄

[@Kevin-xs1ft]

@@mathewvanostin7118 different people have different world view. You can't really judge others because I think he is living a fulfilling and successful life.

[@Kevin-xs1ft]

@@mathewvanostin7118 I will work hard when I'm still young and not regret the decisions I've made.

[@PoEbksksk]

right now im struggling with my mental health. Im 22 and living with my parents, but when I get over this im going out there to kick some butt

[@sarina1196]

You got this! Good luck with everything, I hope you achieve all your goals

[@dcflow7859]

I wish you the best! Keep pushing through!

[@daveyjones3016]

Exactly same boat. Currently taking gap years before grad school. You take the time you need. You got this.

[@AtulPandolkar]

Good luck

[@arshpreetkaur9]

Same situation. EXACTLY same. Wish the best for all of us here.

[@qanh96]

You just called me poor for 6 minutes.

[@tententententententen9191]

5 minutes and 52 seconds Plus ads 6 minutes at 52 seconds :D I know im an ahole

[@dopeschool]

Same.

[@TB-vb3ov]

@@johnperic6860 Not denying those statistics ,but can you provide a link or show some other concrete proof they're correct

[@marquisjones560]

Don’t forget lazy😂

[@kibskibs498]

John Peric household income, not individual salaries

[@toyosauce6993]

He's making 6 figures but I'm here, 23 and just sharing memes whole day.

[@bolshevikrasta1027]

he is working 15 hours a day! HEY MA CAN WE GET THE VEGAN MEATLOAF! HEY MOM THE VEGAN MEATLOAF WE WANT IT NOW!!!!!

[@user-ul5gi9yw9t]

Dw bro I'm 24 and earn 60k a year and I thought I was ballin 😔

[@ndhdhdbjendidnd1246]

@@user-ul5gi9yw9t that's still pretty good for 23

[@warrior4958]

Michael Jackson that’s good af. I make 85k sitting at home and I just turned 24

[@ndhdhdbjendidnd1246]

@@warrior4958 I make 450.6 Billion a year! Just be confident

[@GrahamStephan]

Did someone say Graham?

[@matchasketch8224]

Graham Stephan YES!

[@pitnit]

Can’t wait for your reaction to this one, Graham!

[@Wilsonthernsby]

Please respond to this I’ll give you a cookie

[@lilh953]

Graham, can you help answer how he contributes to roth ira if he is over income limit?

[@NiggaTigga94]

Our lord and savior has arrived

[@14thegr8]

I met him here at Stanford (he attends the Graduate School of Business and I am an undergrad). We chatted for a while at the Arbuckle dining pavilion. He was very gracious and insightful.

[@thinhduong9933]

Jealous

[@DivineAffection]

Stanford GSB holy crap that's a bright future for sure

[@Jessica-li2ib]

He is indeed a nice guy

[@BinaryzeroNYC]

@@Jessica-li2ib lol

[@Jessica-li2ib]

@@BinaryzeroNYC ?

[@jackxiao9702]

What about his business card? Can he get a reservation at Dorsia?

[@MrMultisurfacewindex]

Jack Xiao this wins

[@antoniolewis]

😄

[@suleimansedeghi8258]

Jack Xiao I love you hahahahaha #americanpsycho

[@andrewt3417]

Love it! 🤣

[@clementine9187]

great sea urchin ceviche

[@itstatilol4392]

23, got a graduate degree and has been working at his firm for two years? I suddenly feel very behind

[@arandomperson3516]

I have no idea how he’s able to get all of that this early.

[@tihamitahmid9269]

@@arandomperson3516 cause he works 15 hours a day, thats a 75 hour work week, he works twice as much.

[@kunalpatil442]

Me too bro

[@socksamazingchannel]

Maybe he didn't have to work during college. Lot of people have to pay for housing/college themselves and that slows down their graduation date.

[@dan5956]

I'm turning 30 and make 70k, with just an undergrad. FML

[@shhhquietplease6264]

goddammit. why'd he have to have such a big heart. im not even jealous. just inspired

[@Xanther484]

prettycute andexpensive my thoughts exactly

[@felixromano3091]

Yea 15 hours a day that’s impressive

[@mikemach7804]

My dad never made more than $150k a year (only salary the family), but he was at all of our after-school activities, coached little league, ate dinner with family every night, and still saved enough to pay for (modest) vacations and half of our public college tuition. He just visited Europe for the first time and is excited to travel the country in a camper van with my mom during retirement. My MD makes over $2mm a year (in addition to a highly-paid spouse) and stresses about private boarding school tuition, misses family events, takes weekly 6am cross-country flights, and regularly questions if the delayed gratification plan he's had for the last 20 years will be worth it. I spent my childhood years wanting for the life my MD has. Now that I'm on that track, I envy my dad.

[@aeyk781]

Save up like 7 million and you will live like a king in India just of the 5% p.a interest your savings will earn and never have to work again.

[@uvarubi3223]

@Mike Mach What your MD does for a living?

[@uvarubi3223]

What MD means?

[@ezekiellucas4857]

@@uvarubi3223 managing director. It's a leadership role overseeing a few teams at a consulting company or at a financial services company.

[@faheedshafau9028]

@@ezekiellucas4857 Or Doctor of Medicine

[@omgsockss]

This guy is clearly a genius. Just based on the fact that he said he tutors Chinese people in his free time and is graduated from grad school at 21 it is clear that he is not ordinary. I would LOVE to learn more about his story.

[@highandmightyqueen79]

He inspired me so much, for the consulting firm to offer him that much means he adds a lot of value.

[@empirestate8791]

Many schools allow 4 year graduations (3 years bachelor + 1 year master), which makes graduation at 21 sound more reasonable. However, his insanely high salary combined with his involvement in side hustles shows this guy is a genius!

[@s.flanders]

@@empirestate8791 Top kids from good schools regularly go into consulting and get these sorts of offers. But it's very competitive and you have to take your time in college very seriously. You don't have to be a genius, however.

[@JohnLee-fr6pi]

@@empirestate8791 Name one school that does 3+1. It's usually 4+1.

[@isaacjfung]

John Lee A ton of kids come into college with enough credits to graduate in 3 years. It’s really not that hard.

[@MK-it7wk]

Guy works 70+ hours a week. I’d say he deserves it.

[@aaryas6821]

That's like $50 an hour.

[@manojregmi4441]

$50 hr is like $95k. Mark Kelly is right bout $70+

[@aaryas6821]

@@manojregmi4441 No, Mark Kelly said 70 HOURS a week. If you do the math, the kid is making a little under $50/hr with a 70 hour work week. Out of curiosity, type the math you did to get $70/hr on a 70, not 40, hour work week.....

[@manojregmi4441]

@Aarya S, oopsie, I misread that sentence lol, thought it was calculated for 40 hrs with $70 hourly. College work is burned me out 😴😴😴

[@aaryas6821]

@@manojregmi4441 lol no worries I understand

[@frusciantesplectrum7980]

15 hours a day is two shifts so essentially he is working two jobs .

[@godfatherNYC]

Gargi Das A DAY. Learn to read.

[@hybridEP3]

godfatherNYC ...what?

[@voicification]

You are right. Essentially, he is...ATK and other management consulting firms have gruelling hours which actually translate into lower pay / hr if you were to work at two separate jobs . Still this kid has a bright future in front of him.

[@comichacker]

Rich Stubbings watch it again. It says 15 hours a day during a work week(Not a bad thing) . Inferring, that he doesn't have a 9to5 routine, and makes his living by simply getting stuff done when it is required by his clients.

[@suprememax4948]

Shoaib Rumi that’s not how it works mit MBB. They arrive at around 8am at their client‘s office every single day from Monday to Thursday and don’t leave before 10 pm earliest. Only Friday they get off a little earlier

[@samlee6152]

Making $172K but also working 15 hours a day...I don't know if I'd be up for that even if I were offered that kind of money. Props to him for grinding so hard at such a young age.

[@cyand]

This is awesome, he was clearly doing a lot in college and couldn't stay away from all the projects and side hustles. I can't wait

[@burt792]

"Always negotiate your medical bills!" *laughs in european*

[@BrentHartleyTravel]

Don't think they cover things like Lasik over there?

[@pedrof.5099]

Brent Hartley yes, lasik surgeries are covered at least in my country

[@tessellationarts2971]

Well y'all pay like 60-70% of taxes there so of course..

[@burt792]

@@tessellationarts2971 average income tax in the EU is 38.6%, it's 37% in the US. So got just 1.6% we get free education and much better infrastructure.

[@tessellationarts2971]

@@burt792 Your numbers are all wrong. Your keywords on google are also wrong. Don't put "EU average income tax", but put "How much income tax rate do the average people pay in EU?" In short, your numbers are average by countries, not by people, which is what really matters. In reality you have way way more people on the 60% tax bracket instead of the lower ones, thus subsidizing the rest of the EU. For corporate, that number is even more absurd, closer to 70%. How are you going to stimulate growth this way? Eventually, the money has to come from somewhere. You're (or someone else is) paying for it, just under a different label. If you were to pay for your hospital bills why would you ever wanna have an inefficient middleman (a.k.a the government) is beyond me. Why not just pay for it directly? This way everyone can be responsible for themselves, it forces you to put effort into staying healthy because we can all agree that paying sucks, so this cut off the very unneccessary people with "who cares, someone is paying for me anyway" mentality to be carried of. I supposed your number on US was also wrong, so I went on a little adventure for the real number, and even if accounting for four income-based categories of taxation (Federal, state/local, social security, and Medicare), the number comes at 29.8%. So... half the amount than that of the EU, of course you guys got 'free stuff'.

[@samwalker4913]

I was fully prepared to hate this guy from the montage in the very beginning but he turned out to be the nicest sweetest guy and I now want to marry him haha

[@aim-for-greatn3z947]

Woow hate him just based on his presentation of himself 🤣 Not surprised human after all.

[@Thisisitpancit1]

You can marry him that is if you're a guy also.

[@chrysostomospapademetriou2814]

hahahahaha me too but the only difference is that I like women

[@tdbrown03]

@GUUD KELLY, Of course, the black guy wanted it to be about race

[@hopemartinez6932]

Yeah, same. But he actually worked hard for it. And you can tell he's smart

[@caraserena4845]

He is sooo likeable, he is not very stuck up and seems to have such a nice personality

[@omegabeta3305]

Key point: NOT married or in a long term relationship.

[@thomashogan1985]

Disagree, easier when you have two incomes.

[@Kevinschart]

no time for a relationship....dude works 15 hours a week, tutors, maintains a blog, and had a side business with his family. Why have your own place at 23 if all you do is work and sleep?

[@seeyouagain911]

@@AzathothsAlarmClock You an find apartments for that price in Midtown West. Particularly Hells Kitchen

[@Beekeeper8011]

@@AzathothsAlarmClock he lives in Williamsburg which is in Brooklyn.

[@Beekeeper8011]

@@AzathothsAlarmClock Now you're getting it.

[@NoahLim15]

I like how he actually considers charity work as well.

[@MrUnder30seconds]

yes, hes clearly lost his mind.

[@reuterlu]

So considering charity work is already a good thing?

[@camerons3097]

I’m 23. I’m also eating a chocolate chip cookie on my bed about to play call of duty in my parents house...

[@arandomtopic]

He is privliged

[@kadricmartinez8543]

Arandomtopic please shut up

[@aman68931]

Everyone has their own time of achieving success...some get it sooner..some get it much later..provided u work deligently and be persistent

[@0530628416]

I am 26 , similar situation

[@danielm17]

@@arandomtopic No ur just stupid

[@niceboy171]

He is 23. He has worked for his company for 2 years. Therefore, he started working at 21. He said he started working right out of grad school, which means he finished not only undergrad but grad school at 21. He did about 6 years of school in 3, depending on how old he was when he started college. That is insane.

[@patty221]

He had to have either graduated in his early teens and done college or he did college classes in highschool

[@Poutinevillee]

there are also programs that kinda combine under grad and grad school tho. they are intensive but quick to finish so that could be a reason too

[@niceboy171]

@@Poutinevillee very true. I forgot about those

[@AxiomaticUncertainty]

@@patty221 Well, an integrated masters program could be undergrad + 1 year, so it would be doable to manage it all by 21 if you have a summer birthday, for example. If you were to do undergrad in 3 + 1 for grad school, you'd still be finished by 21.

[@FalloutAftermath]

@@AxiomaticUncertainty I know him. He went to college young and graduate early and did a 1 year masters program. So did everything in 4 years.

[@suhiish]

At 23 I was figuring out life and now that I'm 27 I'm still figuring out life!

[@kazzilla99]

Not alone

[@gotchabud3047]

Same here also 27 ,just remember as long as you don't have kids you will always have time to try something new and starting all over with less risks.

[@flyingaviator8158]

Don't think that he have figured out his life. He just makes a lot of money. Everyone have there own timing.

[@deanahmad3367]

me too..im 27 years old

[@hriler]

🤣🤣🤣🤣

[@turtleboy35]

I’m a 26 year old elevator mechanic making $160,000 annually and I live in manhattan. Why aren’t you making a video about me?

[@pernellvspnut25]

turtleboy35 how did you become an elevator mechanic?

[@pernellvspnut25]

I’m 26 too

[@michaelykwon]

27yo ups driver here make 100k now but in 3 years at top pay 150k+ pension (5k-6k+) 401k free health care for u and fam (100k/year value) so 250k+ a year from ups and then my first duplex (guaranteed with my new income) add 5-6k (bay area) make 300k+ add another after 1-2 years maybe a 4 unit this time make 10k off that so 420k off just 2 properties.... and i still get my 2 days off weekends and up to 8 weeks of paid vacation (double time if i choose to work on my vacay) and 16 days of sick pay and 2 days for birthday and anniversary day.

[@sburnswensel]

Michael Y Kwon nah

[@sabrinaaa417]

Michael Y Kwon that’s mega cap

[@liuyuMPH]

it is not just being smart and genius; he's so organized and consistent to make this level - also his family pre-educated him a lot.

[@2jcward]

I’m very jealous

[@gianni_4]

He’s white

[@johniewalker4356]

@@gianni_4 and?

[@Dangermouse8645]

@@gianni_4 LOL. I'm white, educated, mature, etc. and it took me until my 30's to figure things out, and even then, I have all sorts of trauma-related issues that have hampered me significantly. This person's work ethic derived from his family is a massive factor, coupled with the fact that he is obviously very smart and mature. But being a natural workaholic, bolstered by his upbringing, coupled with his intelligence and maturity is a crazy combo. Good for him.

[@peternguyen1911]

I wanted to dislike this guy for being young and making a lot of money but he is simply a much better human being than I am

[@gryu325]

if you really think about it. 150k / 12 hrs work a day and in New York? that's really not much at all. he's working hard that's all it matters.

[@aviveros887]

He’s very smart and mature. He has multiple incomes, lives on a budget and his priorities are on point. I wish more young people can think this way

[@jeremysanders9336]

If every young person did think that way, he’d be making minimum wage for all the work he does. That’s the nature of a market predicated on competition. Regardless, it’s pretty clear that he had a privileged upbringing and had luck in the genetic department, too.

[@thundergoat3646]

@@jeremysanders9336 if everyone worked like this the economy would be exploding and currency would have insane value. Everyone would be incredibly wealthy, mutually benefitting from the each other's hardwork

[@lozcast7924]

@@thundergoat3646 you are either 12 years old or a trump supporter.

[@thundergoat3646]

@@lozcast7924 I am neither of those things actually. What I said is literally how an economy works. Money only has value because people work for each other, giving currency it's good faith exchange value.

[@brent9359]

thundergoat yes i also think its very stupid that poor people exist goverment should just print more money !!! Problem solved ! Dum govermenetn

[@cmac2295]

In conclusion, Drake doesn't sleep. Wow, he is on his grind!

[@emiliamazur5039]

@Xx BigBoss xX So you say thousands of scientists and psychologist are wrong because you say so?

[@packetattack7437]

You guys go sleep, us Wall Street kids in our 20s put the time in when the body can sustain it. In our 40s now we can't do that, but we made our money when young and invested it.

[@packetattack7437]

@@zaneberry And we do sleep, just not typical hours of other people. There is also lots of research on people that can get more done and perform with less sleep.

[@packetattack7437]

@@zaneberry I believe that as I've gotten older, I stick to a straight 7.5 hours a night and can feel it the next day if I don't get enough rest.

[@Hashterix]

Does this guy not sleep? The amount of stuff he does is just ridiculous

[@dinuw4581]

Hashterix I’m guessing he’s good at not wasting time which is incredibly hard for normal ppl. Like literally we’re watching this instead of using our time efficiently

[@Hashterix]

@@dinuw4581 It would be so exhausting to live like that, I guess some people just naturally have bundles of energy

[@abhim9221]

Hashterix in the field he works in I’m pretty sure people work hard first 2-3 years then move to higher management positions were the work normal hours

[@kellyanderson6245]

@@abhim9221 exactly. My hubby did consulting for a few years to boost him self up then moved on. Just like this guy though worked insane hours and racked up a lot of points to travel.

[@ronaldo19832]

Ya impressive, I am guessing he is sleeping only 6 hours per night and not wasting time on KZbin and social media like us 😂

[@thekaerichtexas]

22 earning 172k ain't bad. He's living his best life. Way to go dude

[@MrRaymos23]

Thought I was going to see a douchy type kid but can’t be mad at him he’s working hard and giving back and humble from what I see in the video

[@letmelick]

First time seeing someone that's named Drake that isn't Drake🤔

[@PaperRaines]

Draco Malfoy doesn't count? 😂😂😂

[@awesomeweasel]

Drakes name is Aubrey🤦‍♂️

[@volarb9613]

Drake bell from drake and josh

[@mkwke215]

Nathan Drake

[@sssssssss111]

@@awesomeweasel Aubrey DRAKE Graham* so Drake's middle name is Drake.

[@irisxkae]

I knew he was in consulting as soon as I saw the intro.

[@ktlktl0913]

Either that or investment banking 😂

[@irisxkae]

Kim Le yep I was like he’s in finance or consulting 😂😂😂 typical when it opens up like that.

[@Kingmayster]

Lmao same, the moment I saw that chair too I was like is that Bain 🤔

[@simbamasanganise4235]

His whole demeanor gave it away instantly 😂😂😂

[@superduperjoi6800]

I knew when I saw the thumbnail

[@themystery125]

Hes 23 and he went to grad school and has been working there for 2 years?? He a genius

[@zyrrre]

"not be another warm body in the room" this made me feel so useless

[@RayMak]

He is hardworking and humble. So hard to find flaws

[@Cam-pt9ex]

Ray Mak yeah but wasting his life on working lol. Not even worth it

[@YoVille451]

@@Cam-pt9ex wasting his life? Tell that to elon musk who is by far the most hard working entrepreneur out there as regards to his net worth. Working is the only way one can make money, and thrive.

[@alunaling2745]

@@Cam-pt9ex lol it’s not a waste. I lived a similar life to him when I was his age, in NYC too. Now I am older with a family, I don’t have to work as hard because my investments are now working for me.

[@nathanielbarrassi4404]

@@alunaling2745 I sell fentynal and other hard drugs. It's a great way to make cash fast

[@burtigame7073]

the disease has spread its way to this video. Sad

[@StrawberryAppleCream]

He works 15hrs a day and still has time for all the other stuff?! Jeez

[@bluehorseshoe444]

He might work 15 hour days... but he's not working 15 hours a day as a consultant. When I was on Wall St, we worked 95 to 100 hours a week, 51 weeks a year... no way you had time for anything else.

[@Jkub101]

@@bluehorseshoe444 cocaine is a helluva drug

[@henri6595]

@@bluehorseshoe444 Most of these people burnout in a very short amount of time. I went to school with people currently working in NYC firms. They look like zombies right now .

[@bluehorseshoe444]

@@henri6595 True... I remember when I used to go out with my friends, I would literally be falling asleep wherever we went... this guy doesn't work like that though... still, I can't see how any 23 year old can generate enough value to justify paying $170k+ a year for... this is why law associates aren't getting paid what they used to

[@henri6595]

@@bluehorseshoe444 It's not very hard for him to generate X2 or whatever he is paid. You sell a service for X (10K-20K about the economics of _____) multipled by howmany times you can run that same model. I have friends at PWC who do that all the time. You don't really get much true value from those reports. You also only get paid what you can generate.

[@evanescence9041]

In Iraq u can make his salary in one corrupted deal

[@brent9359]

Thats gamer

[@tmoney3864]

Big bruh

[@solabonafide]

Lol sad but hilarious

[@Charlesperalo]

So I watched this and actually called an eye doctor to negotiate the lasik bill and they said it can be $2,500.

[@Lbyt21]

Don’t do it. LASIK may your vision but it doesn’t necessarily mean it’s good eye health. You might end up with more problems when you get older.

[@elizabritton4039]

Charles Peralo , don’t do it. I did it. It’s not permanent, you will need reading glasses and special sunglasses and there are so many medications that make the dry eyes worse. You will get dry eyes. It’s very painful. You can’t undo it. Get really good with contacts.

[@COVID--kf3tx]

@@elizabritton4039 It is permanent though...

[@elizabritton4039]

Azura Forestglen , no it’s not your vision will change with time.

[@rezavandijkstra4577]

If you take the normal LASIK surgery you'll get the dry eye syndrome, try the relex smile surgery, they minimize the dry eyes significantly

[@tyler0506]

172,000/52 weeks= 3,307 a week /75 hours= $44.10 an hour as a perspective

[@carnival30]

Tyler Hart wow

[@wesleynice3823]

Not bad, sometimes I make that amount in 1 hour just doing food deliveries

[@0CrazyTurk3]

@@wesleynice3823 CAP

[@germainmatali]

Also having some of the highest state taxes in the country and being in the highest federal tax bracket. It’s not how much you make but how much you keep! Just to add more perspective!

[@dextermorgan2117]

@@germainmatali That's not even close to the highest federal tax bracket 😂😂😂

[@---gi4sr]

I like him because he seems realistic and not spending his money on a mansion with trampoline floors eating pizzas with gold flakes on top

[@HiddenWen]

That's cuz you can't do that only earning 172k for a few years.

[@JesticeBrown]

Aha you just described Jake Paul’s house

[@keithryan5924]

mizzmolly yet he says he pays $1500 for housing. I’m calling dudes bluff real quick. You can’t sleep on a toilet in nyc for that.

[@MonsterhunterFTWWTF]

@@keithryan5924 he says he has roommates in the video graph

[@redpillrevival]

“I moved to Williamsburg where it’s cheaper”....lol Williamsburg is one of the most expensive neighborhoods in the city

[@LoneWolf-yg1mr]

RedPillRevival 😂😂😂😂

[@OreziOmokiti]

RedPillRevival it’s cheaper in relation to where he initially wanted

[@eatingcereal5646]

Probably the "cheapest" neighborhood were he won't get mugged.

[@Makasituation]

still cheaper certain neighborhoods in manhattan

[@milesbarksdale2446]

@@eatingcereal5646 most of Brooklyn is very nice

[@KiddKoalaz]

I think this guy takes that one drug from the movie Limitless lol

[@chrislanejones]

That drug exist, it is called ampthemines!

[@giantslug6969]

Nah just had a wealthy family headstart in life. Things are easy breezy when you know that even if you fail, you win.

[@gaving9463]

@@giantslug6969 Lol! He came from a family of like 12, no way! Let me guess, you're a bernie supporter?

[@rhdtv2002]

@@gaving9463 there are plenty of big families well off .at the end good for him no matter what..I come from 9 and my wife is from a family of 10

[@eddiewiggles9398]

@@gaving9463 sometimes a family of 12 means Wealthy, as in they could afford 12 kids. He said he has medical debt though so most likely he isn't a rich kid who doesn't really need to work

[@aiai-j7i]

He should just get himself cloned, and rent out his clones to run other people's lives...

[@ernestloh3683]

tell that to Henry Brogan

[@StevenLesh]

A G LOL thank you for making me laugh 😂

[@tyleryuen9214]

Watch “living with yourself” on Netflix lol ,similar story plot

[@malaventurados8201]

Not gonna lie the intro made him look douchey but I’m so glad I stuck around he’s a great person. Good luck on going back to school!

[@colette9495]

I wish I had watched these kinds of videos when I was in my 20s. This would totally have inspired and influenced me to be wiser with my time and finances.. But oh well, it's never too late 😊

[@suttonlea8366]

I'll be 24 in a few months and still live with my dad barely making $30k. Prayers, y'all.

[@karenjanet9710]

Same.

[@perc3136]

Same

[@suttonlea8366]

Update, I'm 25 and make about $50k a year...have a nice apartment. Being an adult still sucks tho lol

[@imlkr_]

@@suttonlea8366 Went from 30k to 50k in a year! That's awesome man Looks like you've been hustling

[@milesbarksdale2446]

@@suttonlea8366 U r an inspiration. What do u do?

[@MKMK-bj2sk]

Next Week: *Graham Stephen does a video about him*

[@dannyrand4678]

"12 Million in Assets?? Ok, mayyybe, mayyybe you could afford a night out. If you dont pay for anyone elses drinks" - Golden Graham

[@mariavalente6304]

I was going to say exacly that

[@Tonyknowspeople]

Ya im waiting

[@thezlifestyle5987]

Not much to talk about with this one. Didnt give any breakdowns..

[@Siobhanjcm]

Tomorrow lol

[@Paint]

ok how do I ask this r u single?

[@hayelomabraham9948]

Sus

[@Ali-gd8og]

@@hayelomabraham9948 hella

[@saraali5533]

I think he'd be interested. :) good luck

[@mcatherinew4779]

Ha! Does he have the time?

[@thekristaleffect]

My thoughts

[@Martin_Logan]

Almost everyone, including the media, is anticipating a market catastrophe, and as a result, many are turning a blind eye to the opportunities in the market. I recently began investing in stocks and it was the best choice I've ever made. If you genuinely want to be financially secure, disregard everything the media is suggesting. The market offers a lot of chances. Maximize your use of it

[@GabrielWyatt-yj3bq]

What opportunities are there in the market and how do I profit from it?

[@Martin_Logan]

​@@GabrielWyatt-yj3bqYou can make a lot of money from the market regardless of what occurs, whether it strengthens or crashes. The key is to be well positioned, and that's what matters most.

[@GabrielWyatt-yj3bq]

​@@Martin_Logan I will really like to know how this things actually work

[@Martin_Logan]

​@@GabrielWyatt-yj3bqAll you need to ensure success is a solid capital base and the expertise of an expert.

[@GabrielWyatt-yj3bq]

​@@Martin_LoganDo you have an idea of any good pro I can start with?

[@limabean6869]

Graham won't like this one. He actually saves his money.

[@twincherry4958]

He maxes out his 401k and Roth...

[@LaurenOrion]

He works hard and is very smart, I’d say he deserves it

[@bolshevikrasta1027]

he is being exploited to the gills, he works 15 hours a day, wtf?!? shouldn't he deserve more?

[@vadaski5038]

@@bolshevikrasta1027 actually seems fair to me honestly... I mean so young 6figures.

[@Commievn]

@@bolshevikrasta1027 That's fair he makes 172k a year. Now imagine how much would he be able to make if he was living in China.

[@bolshevikrasta1027]

@@Commievn how many young people you think make this kind of money in china? i bet more than in the usa, just on the fact that there is more people in china.

[@karkevicius]

It’s the Lithuanian roots

[@mohamedmihoubi8945]

15 hours a day for 170k idk edit: after watching the vid gotta say respect the hustle

[@pttthhh]

I guess broken down hourly, I make a little more than this guy.. I'd rather work 40 hours a week and make 95k.

[@michaelykwon]

@@pttthhh ur losing out to opportunity costs tho. Hes making 70k+ min a year on you (likely to drastically increase overtime as hes only been their 2 years and more side hustles/investments) so in 10 years ur already behind 1mm+.... everyone's preference but some like to work hard now while healthy and young and relax later some like to just work till 60-67(current retirement age.... went up 10% longer)

[@michaelykwon]

@@pttthhh 6 figure income is good but nowadays it's becoming the norm with inflation and rising costs. 95k after tax is only like 65k then after living expensive u prob only end up with 10-20k if not less so you would only have saved 1-200k in 10 years the same time the other guy working 30+ hours more making 1-2mm (about 10-15 times yours)

[@pttthhh]

@@michaelykwon I'd rather enjoy myself now.. you might not get old. Work too hard when you're young and you might not age well either. To each his own.

[@michaelykwon]

@@pttthhh exactly. I'm sacrificing my time and youth for freedom but others like to find balance and just work throughout their entire life... that's the biggest part for me... working for someone else nonstop (till 60s itll feel like that) so I'm starting my financial freedom path now. Good luck mane and u can always change it up ppl change all the time

[@aomumoo]

I’d love to see how he’s doing now and how he navigated the pandemic. This was enjoyable to watch because he felt very genuine.

[@msellars178]

Stanford MBA

[@gryffith1378]

He has a TikTok

[@chalpua8802]

When I was 23 I made $15 an hour or 32k a year @ service desk. At 30 I make 108k as an Project Manager in the mid west. This kid is a rare exception

[@777jones]

You are doing very well. Your story is more attainable and realistic.

[@AxiomaticUncertainty]

Well, cost of living is a lot lower in the midwest than in New York. While he's the exception, a lot of the difference comes down to where he's chosen to take up work and also the field into which he's gone.

[@chalpua8802]

@@AxiomaticUncertainty Thats very true. If you look at cost of living calculator. 178k in NYC is the equivalent of 85k in like Chicago. So in reality, he’s doing well but his dollar doesn’t really go that far.

[@AxiomaticUncertainty]

@@chalpua8802 Sort of-- what you have to consider in cost of living calculations is that you'd still be spending a large chunk of your money outside of your place of residence. When you and he take vacations, for example, that difference is irrelevant and he's effectively saving money versus someone whose salary is scaled directly. The same is true of student loans, savings for retirement and personal expenses, and a number of other things. When all of that is considered, he's still probably able to save and spend more than someone making, say, $100-120k/yr in an area with a medium cost of living (especially given his high savings rate).

[@chalpua8802]

@@AxiomaticUncertainty If all things are equal in terms of debt, the cost of living for him is so much greater. My friend is a software developer in San Fran and makes 150k. However, he still needs roommates to afford an apartment. Meanwhile me and my wife combined make over 150k. However, we have a super nice house, money put away and the cars paid off. So cost of living really does change the way you live. However, since this guy can save so much, I think you are right also.

[@Ghostone11]

seems like a very smart well put together individual, we need more people like him

[@CandaceYoung962]

Two things: I loved the shout out to his hard working Lithuanian grandmother. I think too many white people in America forget that they too, are immigrants. Also, I like how he's helping lower income people with their resumes. It plays to his strengths and knowledge. We can never underestimate the importance of a great resume when navigating the working world.

[@sidzi8186]

@Kilo Byte 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣

[@RoodJood]

"I think too many white people in America forget that they too, are immigrants. " --- and too many other people forget that consequently they are not responsible for slavery.

[@truthteller488]

@@RoodJood True, and at the same time shouldn't feel the need to undermine black people that have roughly 12 generations of lineage and history in America. You gotta respect the unique history of generational Americans.

[@CyclingMartialartswithMusic]

Uh oh. A lot of white people will be triggered. Nowadays "citizens" get annoyed when they hear the word immigrant.

[@Bayo106]

you're not an imnigrant because your grandma was an immigrant ... learn what an immigrant is

[@jamieco7330]

I love how he always thinks of ways to give back in whatever small ways he can. Your parents raised you right.

[@MW-vg9dn]

1:32 That's crazy, I make 50k EUR in France, and save almost the same amount per month, but working 35 hours per week, with free healthcare, rich unemployment benefits, and a decent retirement pension.

[@MW-vg9dn]

@@A-rk3dn lol 1400 Euros a month covers all expenses of a regular person anywhere in France, except probably Paris.

[@jdlc903]

Thats a a lot of money for Europe even

[@deprogramm]

His company likely covers his healthcare with benefits and retirement as well. He also gets paid tripled. I'd take NY.

[@MW-vg9dn]

​@Shy Just saying. American salaries in consulting, finance and tech seem extremely high for an European, but after accounting for much higher expenses the end result is surprisingly similar in reality.

[@suryavir2598]

But you live in France .....

[@valeria-militiamessalina5672]

When I was 23 I moved to a foreign country to study more. I was not ready to leave formal schooling and I felt I needed to learn more about the world by living inside very different cultures instead of focusing on a career. We are all so different, thank God

[@ActNormalKid]

I'm sure Graham would get a kick out of meeting this guy...

[@danielsich3362]

For sure

[@Kloutkulture]

20 cent coffee time

[@wtvs1]

This guy is doing pretty well, so Graham won’t like this one lol

[@hectoravila1998]

Who’s graham I’m kinda lost

[@Kloutkulture]

hector avila Graham is Graham

[@jpgdallas]

172k is over 14k a month. With a budget of 6500 he’s paying over half his salary in taxes? I’ll just keep being a tourist there.

[@michellepaul8514]

Yeah you will keep being that.

[@dso1986]

Michelle Paul how is he paying 7500 in taxes on 14k a month?

[@saptab1344]

no his take home is 9275 avg monthly its just that he gets a 30k bonus all at one in the end of the year

[@hukumbra]

Welcome to NEW YORK. Thats why I love Texas.

[@saptab1344]

@@hukumbra LMAOO yeah Texas has good deals on houses but being born and raised in nyc I can’t leave😭

[@luvtotrade2009]

So he works 15 hours a day for 172k.....I'm in tech and make 120k and I barely work 4 hours a day...I feel better about myself now, thanks CNBC !!

[@AnythingMike]

luvtotrade2009 🤣🤣🤣🤣🤣🤣

[@MattSezer]

Exactly! That's less than $45 an hour.

[@audiepastrana3149]

He works 3 days a week.

[@luvtotrade2009]

@@audiepastrana3149 Where does it mention that?

[@tracyzhang4810]

@@audiepastrana3149 The description says he works Mon-Thurs in a different city. Which means he's probably having to meet with his clients on those days. If we assume he's on an airplane Fridays and Sundays, he's basically working 6 days a week. Also, he's probably traveling back to NY either Thursday nights or Friday mornings because he probably spends at least one day at his NY consulting firm office. I'm just guessing, but he's definitely not working 3 days a week.

[@Fonsoknows33]

Intelligent man, it bothers me so much that he clearly doesn't tailor his suits 😤

[@harshgautam97]

Exactly, that's the one thing I think he should do differently but other than that he seems like a great guy.

[@mscarolynnigro]

4 years ago he was a teenager

[@bobbarrel7271]

Because he's a nice person. Isn't arrogant at all.

[@Fonsoknows33]

@@bobbarrel7271 I'm not implying that, I just think he'll love the way he looks with a tailored suit

[@karenmbbaxter]

My husband earns the same and looks like a bum. Nobody gives a crap about your shirts. It's what U know.........Also he has a inexpensive wife like me so we work well together. He earns the money, I pay the bills and I don't need fancy clothes or credit card debt........Simple life is sweet.

[@pengu470]

This is pretty dope. He's literally dipping into everything in a young age--if it's a side, a hobby, career. That's how it should be done.

[@johnchu9460]

I am very impressed with this young man's maturity. He seems to know what he wants at such a young age (relatively speaking) and is working hard to achieve it. Looking back on myself, I didn't know what I wanted until I was in my 30s when I always felt that it was too late. I now have two young kids, and I am trying to teach them the pearls of wisdom about life as early as possible and hope that they don't make the same mistakes as I did.

[@sethguy45]

Man is a hard worker! He absolutely deserves everything he has.

[@Niceguy54444]

Rich parents

[@Mrg0ldeneye]

@@spkez0962 you don’t have to disclose that information it’s easily detectable

[@Mrg0ldeneye]

@@spkez0962 Nobody said he was lazy. If he family has money It goes to show the privilege he has. Read carefully.

[@sgonzo5572]

many people work hard. Theres people with 2 jobs that make way less than that. He just made smarter choices and with some luck he got where he is.

[@crinky3907]

He works hard, 15 hours a day, jeez. Inspirational, and well earned money.

[@leatme]

I really admire this young guy. He seems to have a great head on his shoulders and is very financially wise

[@walteruwe9771]

The stock market is still a fantastic tool for building wealth, however, so it's wise to consider investing even if you don't have much money to spare

[@bartoszdobroslaw9774]

Money is a tool that can help you to achieve your goals. It can provide comfort and stability for your family, make it easier to plan for the future, and allow you to save towards important milestones. But to achieve these things, you need to know how to make your money work for you by investing with the right signal.

[@bartoszdobroslaw9774]

@Fred Howard I’ll recommend Tamara Diane Hagan for you, her strategies is working for me for more than a year now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy

[@bartoszdobroslaw9774]

@Fred Howard Look up with her name online for her web page and you will find her contact there.

[@marcyt2003]

So lame with the bots

[@msovaz77]

Not anymore

[@davesingh4099]

Sounds like Gabe from the office

[@aarshmalek1302]

Oh shut up skeleton man

[@MattsMindx]

jared dunn, you mean

[@davesingh4099]

@@MattsMindx aka gabe

[@2014Corvette]

I was wondering how long I would have to scroll to find this comment! (I think it’s hilarious and I also respect the guy a lot)

[@mingazzini]

Dave Singh YES

[@jtons7662]

Who’s here before Graham Stephen?

[@Jitters94]

Here. I can't wait to hear his reaction on the food. and Miscellaneous.

[@BoomBoom-sr8nt]

Wait who is that??? I can’t find much.. Ali see is he’s in a lot of comments in videos like this????!!!!!

[@Jitters94]

@@BoomBoom-sr8nt a cool guy. Look up that name and credit cards, or Millennial Money

[@coreyp12290]

My grandma was also 100% Lithuanian and was very smart. I was in the John Hopkins advanced math and reading program when I was in school and it was 100% because of her. She passed when I was 12 and then I stopped trying. Now I'm a temp at a warehouse and I'm going to be 30. Long story short- being naturally smart is great, but applying yourself will get you much further.

[@mishidex]

I really like seeing how Drake thoughtfully spends his money in the city. And he seems like a very good hearted person, so that is inspiring too. I want to believe people with a lot of money can do good with it.

[@khalidalali186]

Most do actually. Just look around you. They don’t have to give anything away, and yet, many do just that.

[@ShinobiTekken]

15 hours a day is like 2 jobs, so in reality he makes about 80k from his job

[@uberdevo]

many people work more than 8 hours at their 9-5 jobs but aren't compensated, and I have a feeling this kid is the exception and not the norm in terms of being fairly compensated for their hours worked.

[@mikalbrown3227]

@@uberdevo yes and no, it really depends on the consulting firm. If he's at somewhere like McKinsey... everyone is getting paid. Also his salary also probably has a bit that is based on living location so by choosing NYC he probably got a significant bump, yet, most likely he was making 100k+ in Houston. Either way smart guy to be able to grab a consulting gig with only a a Bachelors.

[@bboyflashny]

Sooo true. I work 3 days 13 hour days. Make hh income of 300k+ moved to midwest. Easy easy living

[@nimaabib1671]

@@bboyflashny What is your profession? If you don't mind me asking.

[@sueyu3603]

Daniel Gordon I’m in Michigan where Is your company

[@kaylavald]

Graham’s gonna be so happy about the points for travelling lol

[@kierancaldwell5087]

CNBC: **posts millennial money** Graham: *Its show time*

[@josephjocson1385]

I was about to comment that...

[@problematicshay1118]

😂😂😂

[@superduperjoi6800]

300th like

[@mzcain1521]

I legit thought this was a Graham reacting video! I was a little disappointed that it was the actual millenial money video but the guy was very likeable so it was good :)

[@Khonnell66]

If ever there were someone who deserves it, it's this guy. He's truly wise beyond his years.

[@themurphy6279]

To whoever is reading this I hope you have a wonderful day and win the lottery

[@aman.s.rathore]

You too, random stranger.

[@TheRealK93B]

Thank you, you aswell

[@TheSabrosuranegrura]

For some reason I dont know why I have a feeling the universe sent me this message 🤔

[@chinoscars5655]

You been saying that for the past year

[@jayrider2726]

I already won the lottery for 1k dollars a week for twenty years. I'm in my eleventh year now. (Scratch ticket winner)

[@jgrant5255]

He seems like a responsible young man. Good job.

[@jjones8826]

i like this kid, he's such a go-getter!

[@jdlc903]

Why do you like that?

[@kayc.8283]

He seems so sweet, chill and humble. I was expecting Sebastian from cruel intentions.

[@HovitoBaby]

😂😂😂

[@dextermorgan2117]

Humble because he can barely afford to live in NYC while living with roommates. I make 800k and I'm not even close to Sebastian, though I'd like to be 😂

[@thepodlabs]

Graham has been waiting patiently for this one!

[@bluesky6386]

Who's Graham? I'm new to this channel so can you please tell me?

[@thepodlabs]

Magic Mike search KZbin, he’s the best

[@bluesky6386]

@@thepodlabs thanks mate

[@iriemonmon]

@@bluesky6386 His name is Graham Stephan! He's a self made millionaire that reacts to these videos. He's famous for his 20 cent coffee

[@babajabba2695]

Ari Entyse And 90 cent avocado toast

[@henrybatkin539]

Being an adult sounds scary and difficult

[@oliviabonon902]

Mood

[@rarri99]

it is.

[@sidzi8186]

It is

[@afr0flava]

Lmao yep, it’s not fun

[@arshpreetkaur9]

Well it is actually. But you will learn to do it as many does.

[@kelmadeit5616]

can't count how many times i've watched this, homie's a genius

[@mbbconsultinghacks]

As an ex-consultant myself, I never tracked my expenses. Just minimized everything and invested as much as I could. Amazed he had all that time and energy to track everything!

[@TheGreekGodOfWallStreet]

I never track expenses or plan a budget either, just minimize expenses and maximize investments. I guess some people feel more organized when they do it. I always found it limiting. For example, this guy allocates $500 a month to his Roth IRA, so what happens when he has an extra $100 lying around? Usually people stick to the plan; invest $500 and find a way to blow the other $100. But, if expenses are minimized why increase them to stick to your plan? It’s also possible he made the budget just for the video, but he comes off as someone who would have a budget.

[@akin242002]

He gets paid a lot for someone so young, but he also works 15 hours a day!!! Not including being exhausted from the frequent visits to the airport. If he worked in software engineering, he could get 80% of that salary with 4 hours per day of legitimate work.

[@kaycee376]

agreed, silicon valley sr software engineers make as much as vp bankers when you take into account the equity. 500k is normal.

[@pikakac2441]

Not everyone knows or enjoys programming.

[@joelfranco4946]

Agent_WestCoast A not everyone wants to be behind a computer typing life away

[@shamarg6]

Yeah but you also dont talk about the stress that is experienced trying to get a Comp Sci degree, some people arent good or like coding bruv.

[@akin242002]

@@shamarg6 When you work hard to be good at your career, there will be stress early in your career. However, I do agree that it isn't everyone's passion.

[@misterjay4236]

This guy is an extreme outlier, even after taking cost of living in NYC into account.

[@amesasw]

Finishing gradschool that earlier makes him an outlier for sure. But initial salary wise there are plenty of 20 years old working for Google and similar top companies in NYC making over $150k first year if you include salary, signing bonus, stock and match. Those engineers are all around 22 23. Long term this guy will probably own a business though and far exceed salary of even top companies.

[@shera1815]

No, he's not. Plenty of people like him in banking, consulting, and tech making as much, if not more. He majored in the right thing and went to the right schools. That's all it takes. Major in STEM and go to an Ivy/Tier 1 school.

[@shera1815]

@John Davis The ignorant one is clearly you who makes such stupid and ignorant comments like this. Many people like the guy in this video you're watching graduate with STEM degrees from top schools and get good-paying jobs all the time. Don't get mad at me because you're too dumb and ignorant to get into one yourself and get a degree that can get you a well paying job like this kid did.

[@shera1815]

@John Davis You're clearly projecting how much you're one of those losers making under 50k because you're too dumb and ignorant to go get a good degree at a good school to get a good job like this kid and I did. Too bad.

[@reverendblkgrape1]

Mister Johnson I agree

[@neilrobson9922]

He’s actually adorable

[@wilsontang94]

ProfessionalSheetPoster why is flamboyant bad? hOmoPhobe!!!

[@josevigil6950]

Made first million in New York by the age of 21. Immediately left and planted my roots somewhere else. Still have to appreciate the hustle.

[@riufq]

You are not millenial You are Gen Z

[@pineapple8048]

This channel doesn’t understand generations I agree

[@cenobyt3z766]

It’s from 23- 38 years old in 2019 which is when this came out.

[@pineapple8048]

@@cenobyt3z766 look up what a millennial is

[@caleidoo]

@@pineapple8048 Why? He's not wrong. Millennials are people born between 1981 & 1999. Some include early 2000s. But most not. Generation Z follows on that, late 1990s, early 2010s. Obviously, you have overlaps. And he's dead in the middle. So he's both.

[@l-train7876]

He’s so mature and well spoken for 23. Respect.

[@terrierlover]

He’s 23 and got a graduate degree??? When did he graduate from undergrad??? Wtf and also 23 is gen z not millennial

[@mattsarff9743]

Catchows 23 is not gen Z 😂😂

[@ドリーム-n5i]

It is

[@penny.ventures]

Some folks think 1994 is the cut off, others 1999 and even 2001. I personally cut it off at 1997. He's definitely a millennial but i don't think he really cares cause he has more important things to do

[@terrierlover]

Penny Dang 1999 is not the cut off for millennial, that’s already gen z. If the argument is 1994 or 1996 cut off that’s more believable.

[@terrierlover]

Matt Sarff yes it is depends on who you ask. Some thinks 1994 is the cut off and that person would be 25. Some thinks 1996 is the cut off that would make person 23.

[@nhdarling2]

His parents influence made him a success. Need more parent/children relationship like this.

[@Mvubo]

He's at McKinsey or the like. I also worked at a Big 4 company. They want your pint of blood and a pound of flesh. Everyday. Make it count, dude. Sooner than later we have to decide if the juice is worth the squeeze.

[@shanicemarrow2363]

Mandla Mehlomakulu He’s A.T. Kearney

[@schetsfiguur]

Shanice Marrow how do you know?

[@shanicemarrow2363]

LinkedIn.

[@bgbusiness_]

Exactly. This lifestyle is no joke. Most people get out within couple years and go to Fortune 500.

[@blank.9301]

Mandla Mehlomakulu Or J.P Morgan, or Morgan Stanley....lol. something like that...

[@nicolecardinale9556]

When you’re 26 years old, nearly done with a Master’s degree, and earning $30/day at an internship🙃🙃🙃

[@MsIsis101]

Girl. 💀💀

[@nicolecardinale9556]

Nakisis Mays Fml😭😭

[@yannickbongo1420]

That’s just where you are right now, Nicole. That isnt ur future nor ur life. As long as you are taking the steps to better yourself, you will find constant improvement

[@Max4Z]

True for all we know this guy was probably at an internship $40 a day when he was 21-22

[@michael20450]

master's degree in ambiguous studies. not all master degrees are the same tier hence your low pay

[@garrettmartin2130]

I went to college with his older brother Graham(dude in the far right in the family photo) they're real good people