How We Became Tech Millionaires by 26

In this video, we cover a step by step guide of how we became millionaires in tech by 26. We cover our net worth throughout the years and give candid advice about managing your money. We both work in tech and up until recently lived in the San Francisco Bay Area.
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[@JoshandKatie]

Net worth breakdown for the last three years: revealed in video. Scrolling up to hit the like button: priceless and greatly appreciated! 😎 DROP ANY QUESTIONS IN THE COMMENTS DOWN BELOW WE WILL BE ANSWERING EVERYTHING THAT COMES IN FOR THE FIRST 24 HOURS!

[@ITAlpaka]

How did you actually get into Applovin/Google?

[@JoshandKatie]

We both just applied and interviewed a lot of places! Had pretty good resumes, Sent in over 300 apps, and just interviewed and interviewed! It’s just a numbers game and if you keep at it you’ll find a landing spot you are excited about.

[@ITAlpaka]

@@JoshandKatie Sounds stressful,, 300 applications in a month?

[@JoshandKatie]

Over months but yes- but having options is way less stressful than having no offers 😊

[@mohammedraqeeb4392]

Been following you guys right from, “day in life of software engineer at Twitter” video , the ups and downs you’ve been through in the youtube journey and now many congratulations for becoming millionaires.🎉

[@JoshandKatie]

Thank you!!

[@uthaimeenuthman6537]

U compliment each other very well. Well done and congratulations.

[@JoshandKatie]

Thank you!!

[@FATIMA-pe2fz]

this is really inspiring , i'm graduating next year and i can't wait to start working, thank you for being transparent

[@zjw9634]

I started to follow Josh and Katie's Chanel in 2020, and I would say their story gave me a lot of inspiration. Following their house-building process on Insta day by day is like an amazing journey. As a student in Canada, I am ready to break into the Tech industry as a Full Stack SWE :D I would like to shout out and say thank you to Josh and Katie, and you guys are awesome!

[@JoshandKatie]

Thank you so much! We are glad our content was helpful for you.

[@compsciag]

Thanks for the transparency! Your videos motivated me make the switch from working as a SWE in retail to tech. The pay difference was not what I was expecting (in a good way). 😉

[@JoshandKatie]

That is awesome!

[@ViCkMoNtFiLMS]

GREAT VIDEO, This Was Very inspiring, I'm Taken A lot Of Notes!!

[@JoshandKatie]

Glad it was helpful!

[@carlos_guerrero]

You guys are extremely inspiring. I hope I reach that amount of success after college. I wish you both the best! ☺️✌🏼

[@JoshandKatie]

You can do it!

[@youssefessid106]

This is crazy especially that you are not typical ivy or stanford grads but you did it good job guys you deserve it

[@JoshandKatie]

It's true! thank you!

[@aarshghotra475]

wow! that's a great video, I am a graduate student now majoring in computer science as well, have plans to get into a good tech job and hopefully follow the vision that you guys have...

[@JoshandKatie]

Glad it was helpful! You've got this.

[@Evenstar213]

You guys are being so transparent that's awesome, especially for helping people to save more in the future. Congrats!

[@hasaneats]

Can you do another video breaking down your multiple sources of incomes this year !

[@ArunKumar-gy5wz]

Really appreciate you guys! way to goo! 🎉

[@arnab8613]

Watching your videos since 2 years. I have see all your ups and downs and I'm so happy for you both. Keep up the good work man, congrats

[@thevijayramesh]

So happy to see my fav KZbinrs back to creating content. I’ve learned so much from y’all - I got my first tech job after seeing Josh’s Twitter video. I have a lot to learn from Katie’s frugal hustling haha, so happy to see all the success. Trying to get into the real estate market soon just like y’all.

[@darkprince56]

While I’m very happy for you both & flabbergasted at the jaw-dropping salary for jobs straight out of college, this made me cry because I had no such luck. I’m stuck with my $10/hr job that I had in college because I never found a relevant job for my BSc in biology degree (2014). I’ve stopped looking at this point because it’s always a never ending list of requirements that they want even for entry-level positions… Minimum 5 years experience or you need to have taken specific classes, certificates etc. etc….right out of college. 😭

[@randomuserame]

Intership exp and volunteering counts as experience. Go do relevent things for free until they pay you for it. Until then keep that job that pays you. You don't need to work full time, just be continuously employed/interning/volunteering with said company/organization, and keep an eye on specific "named" requirements (some employers may want a specific speciality/focus). In some cases, you may be able to substitute years in school for experience. Apply anyways, get to the interview, and come clean. Just tell them straight up and ask if they're really looking for several years experience for an entry level position. If they say yes, deadass ask them to intern for free under a senior staffer to get the experience. Tell them that you can't commit 100% if they're not willing to pay and ask if they can work around your paying job (word it as your "paying job" and not your "other job"). Tell them after 2 years you expect to have enough experience and that you'll be asking them to re-evaluate you for an entry level *paid* position. Also, while you're here commenting on videos, go watch videos on sales and negotiations. EVERYTHING is a negotiation if you talk to the right person, if they like you enough to listen, and if you work towards a mutual good.

[@gettingslim186]

For real! They are very lucky to land those jobs out of college

[@darkprince56]

@@randomuserame thank you so much Ben for your reply! I have no idea why i didn't get an notification for your comment. I saw it by pure chance while re-visiting this video and my comment lol. I will actually screen shot your comment to remember it

[@JoshandKatie]

These were pretty normal salaries for SF! We also chose to live well below our means (tiny studio apartment). If you can move to a giant city, but keep your expenses like LCOL college life, you could have a similar outcome.

[@logancope21]

Definitely agree with the value of getting an honest look into the finances of successful people. Thank you for the vid

[@hasaneats]

This made me so excited for when the startup im working at IPO’s ! Super hyped

[@JoshandKatie]

Good luck!!

Congrats 🎉 , We are inspiring from your videos , keep making videos you are good at that 👊🏻🕶️

[@JoshandKatie]

Thank you! Will do!

[@nbme-answers]

Awesome video guys. Congrats!

[@prathameshjadhav7266]

Great video, guys!! Good to see you both after a long time!

[@CS-si8kl]

Brilliant video Josh and Katie. Keep this awesome journey going.

[@JoshandKatie]

Thanks so much!!

[@integrationzzz]

Very inspiring. I’m a tech recruiter now and learning programming on the side looking forward to reaching this status as well! Thanks for this video!

[@JoshandKatie]

You can do it! Thank you!

[@onceappuonatime]

Josh and Katie showing how all of us CAN make it. 🙏

[@JoshandKatie]

Thank you!!

[@athotagunateja6023]

thanks a lot for sharing the exact details

[@AlanHornkohl]

Congratulations you guys! Well done 👏🏻

[@JoshandKatie]

Thank you!

[@IBO629]

I wait every time for your videos to drop. Thank you so much. And, best of luck. May God bless you guys. Very inspiring. Keep it up please 👍🏾.

[@JoshandKatie]

Thank you so much 😀

[@darren9901]

Been watching you guys since the beginning. So inspiring

[@JoshandKatie]

Thank you!

[@akashtamrakar74]

You both are best inspiration for me love your content

[@JoshandKatie]

Thank you!!

[@juneydabdurisaq1881]

Amazing josh& katie

[@JoshandKatie]

Thank you!!

[@uthaimeenuthman6537]

You guys are my inspiration. Love you❤

[@JoshandKatie]

Thank you!!

[@kerbieeeee]

Your lucky to live in usa because in france your salary is around 3000 dollars/month as a software engineer...

[@viniciusnogueiradesigner]

Awesome video! When you got an increase in pay, did you increase long term savings (for car, trips etc) or just the financial freedom savings? I find very difficult to stay with the same budget for this without increasing for buying nicer things 😢

[@Nikolay_Slavov]

TLDR: - get lucky to get hired in big tech company that also pays in stocks - make sure to find your soul mate because as solo it might take a while to reach this goal - start a KZbin channel - get lucky in your stocks flying high - frugal life ( not for everybody )

[@AXE4X4SEBAS]

Good for y’all! That’s awesome :)

[@JoshandKatie]

Thank you!!

[@nickdelligatti7837]

Yes!! Just what I wanted to see. so inspiring! just got my first step into tech working at Apple part time. About to start school, I was wondering if you had any advice as to which major would be the most open to where I can go into multiple different fields? Again love the content and so great to see the regular videos again!

[@JoshandKatie]

Fantastic! Josh studied Computer Science, Katie studied business management. We both have a lot of different career opportunities, so both great majors IOP.

[@nickdelligatti7837]

@@JoshandKatie thank you!!

[@vidhi_bhatt]

You guys are so inspiring!! Kudos to you both for the transparency ❤

[@JoshandKatie]

Thank you!

[@monojitchakraborty1259]

You both are a true inspiration.

[@JoshandKatie]

Thank you!!

[@longtranhoang1182]

Thanks you for sharing.

[@msdrd]

Congratulations 🎉

[@JoshandKatie]

Thanks!

[@ultimaterecaps1]

This is really inspiring, just starting my cs degree

[@JoshandKatie]

Niceeeeee

[@nico77127]

Great guys. Congratulations!!

[@JoshandKatie]

Thanks so much!

[@GuddaTV32]

Any advice for someone going the online schooling route?

[@StrikeDemonX]

Couples that works together are the best

[@deadcell1]

Not very common tho.. working together with many women means the man pays 100% of the bills while the lady saves her money...Keyword HER money.

[@adarshpandey6594]

Hello Josh & Katie , Awesome Video ! I have a maths major in college , but I know a lot of coding (self taught ) can I get into FAANG ??

[@TheMrKrzychus]

So jealous to live in US and have salaries like this as a fresher, In my country im currently a Java fresher in big international company and getting paid only 25k$ per year so its not that easy

[@KV45355]

If I was 26 and living at my parents this plan you have shared would work well but I'm 40 years old, I don't have time on my side. I need a much higher income lets say 50k a month. I don't have time to wait on stocks to go up, and companies to IPO plus waiting for a raise based on experience. How can I make 50k a month in tech?

[@pedro.zurita]

Valentine's Day dropship bunny.......check. Great video!

[@JoshandKatie]

Coming soon

[@lucaslin8601]

It would be REALLY interesting if you did a video on your stock market positions!

[@JoshandKatie]

On it!

[@flyghtmyleage6041]

what did you guys invest in for your Robinhood?

[@theecon867]

Just listen to the frugal and intelligent nature Katie brings to the relationship. She has probably singlehandedly put them on the correct path for their future. Fellows, Marry well!!!

[@Futurenomad1]

That's a really cool video! You guys need to be featured in CNBC Make it!

[@JoshandKatie]

That would be sick!

[@pratyakshyt]

Waiting for More financial planning videos🙏

[@browntechdaddy]

Really insightful!! I now want to quit my FAANG job and join a private, pre-IPO company LOL

[@JoshandKatie]

You really do make more if you find one that actually goes through an IPO!

[@colingamroth5157]

I’m curious how you guys go about budgeting and planning? Is there a particular app you use?

[@JoshandKatie]

... excellent question that is the topic of the video we are filming right now ;)

[@onceappuonatime]

Appreciate the financial education

[@JoshandKatie]

Thank you 🙏

[@chandchadha8262]

AWESOME!!!

[@JoshandKatie]

Thank you!

[@TheAsianRepublican]

Frugality works

[@Alonejessica1998]

Congratulations tech Millionaires 😊

[@JoshandKatie]

Thank you 🙏

[@MiguelDiganchi]

Hello, my name is Miguel Diganchi, I'm an Argentinian Computer Engineer, Software Architect, System Analyst, and Multiplatform Application Development Technician who loves to build digital solutions. If you want, we can create your next futuristic company ;)

[@hellowill]

Don't think being frugal made you guys millionaires. Its better to earn more or have another income stream than aggressively cutting spending (unless you have budget/spending issues).

[@JoshandKatie]

We disagree, we know many people who earn as much as we do but have little to none net worth and savings. If you don’t know how to keep money and grow money, you’ll never get ahead regardless of how much you make.

[@hellowill]

@@JoshandKatie Fair enough. Different experiences I guess. I do know people who try to save every dollar but miss out on big pay raises because they dont push their manager for it.

[@DaveJacobseniOS]

Mad props!

[@JoshandKatie]

Thank you!

[@prabaljain3228]

Ah! Here is my Dream Life.

[@Alonejessica1998]

GREAT VIDEO Inspired from India.

[@JoshandKatie]

Glad you liked it!

[@academicshumanitariangloba8896]

Dope...

[@sharifmagembe4948]

if someone is in Africa and want to become millionare, which advice do you adviceobsId

[@antoniolewis2939]

Took them 4 years to become multi millionaires while some couples spend a lifetime to never even get close, moral of story is education is power

[@JoshandKatie]

Would have been 100x harder without the edumacations. That’s for sure!

[@PeterParker-si8uq]

you guys are my motivation ❤❤❤❤ love from india🇮🇳🇮🇳🇮🇳🇮🇳

[@JoshandKatie]

Thank you!

[@motorbikeray]

I don't understand why people post private information such as their net worth on KZbin, other than to show off to the world. 🤦🏻

[@nbme-answers]

Discussing money is not taboo in American culture. That's why we're rich. 🇺🇸

[@juneydabdurisaq1881]

Wow

[@vamsi_pallapolu]

i graduated in 2018 as same as you guys, even i became millionre by 2021 but in indian currency 😂😁

[@JoshandKatie]

Hey that’s still good 😌

[@talhajobayer8666]

i just finished your viral video the twitter one..can i ask some question?

[@JoshandKatie]

Sure

[@jillreys6159]

I don’t mean this in a negative way and I hope it doesn’t come across that way. I’m a Latter-day Saint, I’m your age, and my net worth is around $200k. One reason it’s so “low” is because I was told I have have kids immediately and be a SAHM. I have two kids and I had to get a hysterectomy at 26, so I don’t regret it… but i do kind of wish I took a similar path to yours. How did/do you deal with judgmental Latter-day Saints who disagree with you for not having kids yet and focusing on “worldly things”?

[@JoshandKatie]

I understand where you are coming from- none of the women in my life had careers either growing up, so this definitely wasn’t a clear path. But, I honestly didn’t get much judgment for taking this path after college. I mean don’t get me wrong, Grandpa definitely asks me where the kids are and I do get some comments. 🤣I think sometimes people care about others decisions way less than we care about how others feel about our decisions. At the end of the day, you need to do what makes you happy! also, $200K net worth is killing it (you are in the 1%!) and two kids under 26 is killing it! Don’t use our path as a comparison point, because you are doing wonderful!

[@yolandakaniki7586]

I love it

[@koki-fm4ey]

Congrats love u from 🇩🇿

[@lordvoldemart754]

how did your Robinhood account jump up 110k profit in 1 year from 20k. thats quite the investment strategy!

[@vince5260]

They didn’t go over anything they invested in with it. That would’ve been good to know!

[@JoshandKatie]

We put more money into it. We mainly invest in S&P and a handful of individual stocks.

[@GOLDINVEST17]

what is the car rental program?????

[@JoshandKatie]

Getaround

[@GOLDINVEST17]

Thank you

[@Saaad2]

You guys are truly a motivation and inspiration not only for me but for thousands of others who are starting out careers in tech. Hope to see you guys someday. Cheers!

[@JoshandKatie]

Thank you!

[@justinnunez7318]

Awesome Video! I too have stock options where I work. How many stock options did Katie's package from App Lovin consist of? 3,000, 4,000?

[@JoshandKatie]

Over 4K in both packages!

[@DanielBoa7]

it matters more what % of the total basket of shares that is btw, 100 out of 200 vs 100 out of 1000 - 2 different outcomes

[@chiefsosaya7869]

120k starting salary! huh? In San Francisco! Ahhh!

[@JoshandKatie]

I’m not sure if you think it should be higher or lower but… yes we were fully transparent!

[@charan775]

idk why you guys lying about not knowing how much stock pkg was worth. even startups have a valuation based on which you'll know how much worth of stocks you are getting. plus nobody will sign with company unless they know that

[@pratyakshyt]

Yes , for example we know stripe is valued at $95b

[@JoshandKatie]

We are just sharing our experience. I genuinely had no idea how much my stock package was worth. It was a private company. It wasn't traded on the public markets

[@Jenn11111]

Your financial situation is a right place, right time thing. Most people will never go into jobs that pay anything like this and they certainly won’t ever be given hundreds of thousands in shares…I’m torn between being happy for you (as you both seem so nice) and angry for all the people who work difficult jobs for 20k a year or less…

[@JoshandKatie]

We had some luck to get there in three years for sure, but our financial habits make wealth inevitable. It was just a matter of 3 vs. 10 years. You choose your place and you choose how you manage your money. Coming from a woman who grew up in rural potato country Idaho and a man who’s family declared bankruptcy in ‘08 and had to live on government assistance.

[@matejhantabal235]

so how are you now

[@ButlerBuckets]

NOTIFICATION SQUAD

[@JoshandKatie]

hello!!!

[@harshrajjadeja7087]

Just fyi, you never count the worth/cost of the house you're living, in your networth, but still pretty crazy guys 🙌

[@JoshandKatie]

This is not the worth of our home. Our home is worth $1.4m. $600K is our equity position.

[@JoshandKatie]

And yes you do count that- we could pull out $600K in a home equity line of credit. Watch our previous video if you are confused!

[@enyplayz1514]

Wait so are u still a software engineer but at robinhood this time?

[@JoshandKatie]

Yep

[@enyplayz1514]

@@JoshandKatie is it harder than at twitter because of the pay?

[@randylink1447]

Living in The Bay and working in SF with y'all. I love that you all are making videos again! You two have great attitudes and definitely inspire me to hit that millionaire status soon as I graduated UC Berkeley in 2019. Subscribed and can't wait for more tips on that frugal life style and living The Bay area dream!

[@IcyD752]

What did u both major in?

[@JoshandKatie]

Josh Computer Science, Katie Business!

[@TKGZONE]

with remote work wouldn't it be good to keep those well paid tech jobs and still do side hustles? Why you guys leave the gravy train XD?

[@JoshandKatie]

Once you hit a certain amount of financial security, things start to matter more than before (ownership, autonomy) and possibilities open up (funding, start ups ideas etc.)

[@TKGZONE]

@@JoshandKatie Ya if you reach your financial goals I see what you mean and you got better ways to spend the time. I personally like the safety net of something you know thats consistent. Were you finding your tech job were demanding or does it come more chill with experience? like working less than 40 hours a week?

[@JoshandKatie]

I don’t think work life balance was the biggest factor. I just think we both had bigger aspirations and a safety net to work towards those aspirations for 10-15 years without having to worry about money.

[@thomasphiri2023]

Good lord.

[@JoshandKatie]

lol

[@ivangracia151]

do you guys already watch the dalas review video about you?

[@JoshandKatie]

No. I want to see!

[@ITAlpaka]

Nice Guys

[@JoshandKatie]

thanks!

[@ptykozoon1658]

"frugal mindset" lol......bruhhhh you both have crazy paying tech jobs and stock packages during the retail stock buying IPO mania, not to mention real estate mania, that's you make 2 million, taco seasoning has nothing to do with it

[@JoshandKatie]

Luck escalated our timeline but wealth was inevitable with our financial habits.

[@zanguli1523]

First of all this made no fking sense. How do you go from $100k to $339k in savings when your total gross income is like 280k ? That is literally a dog sht statement.

[@JoshandKatie]

We invest everything into the market and saved close to 80% of our income for three years.

[@whiskey4609]

how the hell you turn 25k in robinhood in one year to 138k lmao you guys are the best traders of all time lmao. But seriously wtf were you trading on robinhood by year 2 youre at 222k you could make a popular youtube channel alone just on that topic haha do you realize this? or just luck? Amazing string of luck and timing and hard work great video

[@JoshandKatie]

We added more money to it every year. We mainly invest in s&p 500.

[@Spor50]

👍👍👍👍👍👍👍👌🧠

[@achilletalon801]

And are you rich for God ? It's important too 😉

[@piaxgft5799]

wow so much luck and privilege in this

[@JoshandKatie]

If it helps you to discount our accomplishments, so be it.

[@mohammedshibani4777]

Brokies.............

[@therolexking9610]

Do a net worth update video for end of 2022. 🤣🤣🤣