Living On $118K A Year In Philadelphia | Millennial Money

Roy Patterson, 31, lives in Philadelphia and earns a base salary of $118,000 per year managing a team of project managers at Cigna. Patterson was able to pay off over $55,000 in student loans just before his 30th birthday. Now that he’s paid off all of his debt, Patterson is focused on saving for the future.
This is the latest installment of Millennial Money, which profiles people across the U.S. and details how they earn and spend their money.
Read more about Roy's budget breakdown here: cnb.cx/2RsquMi
There was no silver bullet to pay off the loans, which his parents co-signed, he says. Instead, he lived ultra-frugally, throwing every extra dollar toward the debt each month. While he will earn close to $150,000 this year, he paid off his debt while earning between $61,000 to $90,000 per year.
He was inspired by personal finance expert Suze Orman, and “The Suze Orman Show” became appointment television each week for him and his mother when he was still living with his parents in Connecticut.
Mother and son followed Orman’s advice together, holding each other accountable to pay off debt - credit card and car bills for his mom, student loans for Patterson - and get the rest of their finances in order. While his parents provided a stable home for him and his siblings growing up, Patterson says, as immigrants from Jamaica they didn’t understand the nuances of the American financial system. Watching Orman’s show taught them how money works in the U.S.
“I told my mom, If you do it, I’m going to do it. And we made this pact,” he says. “We would share our wins, we would share our successes. If we failed at something or we felt like we could do better, we shared that as well.”
Using advice from Orman and Patterson’s own internet research, he decided to use the snowball method of debt repayment: He paid off the loan with the lowest balance first, and then moved on to the next largest loan, and so on, until all seven federal loans and five private loans were paid off. He credits part of his success to Orman’s no-nonsense attitude and advice, adding his reverence has become something of an inside joke. “My friends call me Mr. Orman,” he says with a laugh.
He doesn’t regret the years of cost-cutting now that he’s debt free, although he occasionally wishes he hadn’t made quite so many sacrifices. He skipped a family trip to Jamaica because he didn’t want to buy a plane ticket, and he doesn’t want to miss out on experiences like that any more. Some things, like vacations with his loved ones and, of course, the P50, are worth the expense.
“I worked with my mom, and the joy that she has in her life now, knowing that she’s also debt free, makes me realize that what we did works,” he says. “It allows us to live the life that we wanted to live.”
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Living On $118K A Year In Philadelphia | 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

[@APennyPinchersGuide]

@CNBC Make It. If you're looking for commentary on how to help people financially during the crisis, I'll volunteer to be a guest speaker

[@APennyPinchersGuide]

@Xeno Phon ...what?

[@DandruffyFlakesASMR]

Xeno Phon what? Elaborate please ?

[@APennyPinchersGuide]

@@DandruffyFlakesASMR Xeno sounds like a deranged commie who is upset that someone did better than him through hard work

[@DandruffyFlakesASMR]

A Penny Pincher's Guide I agree 🤜🏾🤛🏾! Hard work will forever take you places, and the haters will always hate.

[@AJ-sw8uf]

Good to see a hardworking, educated BLACK man in a good position in life

[@paparoelie575]

I like how you say black and not dArk TinTeD. We make it racist, it is not racist. Almost everyone: OmG YoUr a RaCiSt

[@AJ-sw8uf]

@Dra O How are we lazy

[@cyrellroberson9698]

@Dra O You clearly don't know enough Black people.

[@armandocastillo1632]

Dra O so true man, I’ve noticed that too.

[@pinkglitter4258]

AJ Hegwood preach

[@colorfulcodes]

I hope y'all heard it took him 7 years to reach a six figure tech salary. It's not a get rich quick career. Not everyone automatically goes to a bootcamp for 3-6 months or studies a CS degree and comes out with six figs. Some worked help desk at $15 an hour and worked up the IT ladder or made lateral moves into software or cloud. Others came out of college with a 50k a year programming job and worked up. Others, like me, struggled for years before even getting in. Don't lose the faith. Be realistic. 🤷🏾‍♀️ So proud of him. 👌🏾

[@colorfulcodes]

@Elyse George The other person is Bukola from thecomeup (her youtube) and we both went to Recurse Center. That's not the case for most people. RC mostly takes in people with several years of experience. It's not a bootcamp it's a retreat. It's completely undirected and you have to already know how to code to get in. I've been in the RC community 4 years and know most with no experience do not get a job that fast. It's geared towards learning and not employment (common for people in between tech jobs or on a sabbatical). She also started as a dev at 110k (3 years later 210k), went to an IVY, and worked at a good firm before RC. There are many factors that play into it. It's definitely not impossible, but not so easy. Average person at RC has 3 years of industry experience. Even the top bootcamps like App Academy and Hackreactor are difficult to get in to (5% acceptance), complete, and obtain a job after. If you don't keep up they kick you out. I'm not discouraging people. I just want to help people be realistic. I get emails, twitter and Instagram dms every week from bootcamp grads who can't find a job.

[@kibskibs498]

Colorful Codes it also is a very classist and elitist field. The kids who get big money quick are from top 30 schools. They bias towards them because they usually are the ones that get the internships in the first place

[@themelanatednomad6989]

@kibsKibs That’s life tho, no high paying career comes easy.

[@7lol2007]

@Elyse George those are in the minorities

[@harispapadopoulos4295]

It depends on the company you’re working for. Working at a FANG company (Facebook, Amazon, Google, Netflix and many others) guarantees you’ll be getting 6 figures. The average for an entry level engineer (right out of college) is 180K / year. And it’s not like they don’t hire juniors.

[@sugalips428]

I agree with him fully about feeling free and capable of doing anything when you have no debt. I’ll be 100% debt free next month, approximately $52k paid off in about 30 months. It was a mixture of student loans, my car, and credit card debt. I’ll be so happy to be done.

[@Ava_sava]

Congrats!!

[@nitishsharma-im8kx]

@davida j congratulations dear..

[@GoogleAccount00]

Congratulations

[@ulala9898]

Congrats to you Davida!!

[@colorfulcodes]

Omg, I can't wait. I want to be debt free in a year. I just can't even think about investing until i'm debt free. It's not a lot, and only federal loans but I feel the weight. Congrats! I can't wait to be there.

[@EricWPowell]

His company paid for his master's degree. Look for jobs that will pay for part of your education instead of having to pay for it out of pocket.

[@EricWPowell]

@1Man Army Nice work! So many people look at their salary only instead of all of the benefits some jobs provide. Glad to hear you had great benefits.

[@a.lovely8947]

Which companies do that

[@EricWPowell]

@@a.lovely8947 Not sure. When you apply for a job, be sure to check their benefits. Usually companies doing offering benefits like this, share the information to help attract new employees.

[@loveforeva12]

I’m curious. When you’re looking for a job, is this a benefit they outwardly tell you about? Or is it something they’d tell you further down the line?

[@a.lovely8947]

Alanna I think it’s further down the lie it only make sense they won’t know your value until you start working no?

[@Ava_sava]

He is absolutely right, money doesn't make who you are, but rather exposes the good and bad aspects of your personality.

[@spatty2589]

Well we know what broke feels and looks like so let's expose our true selves by making a lot of money!

[@Ava_sava]

@@spatty2589 being broke can expose you too. If people are so low with no end in sight, they can resort to many things that are life threatening.

[@samhparker]

One of the best quotes I've heard on this channel

[@KB-wl4ip]

A family member and I both followed our own path and we both became rather successful. My family member changed in every way for the worst. Just as arrogant and cold as could be. I ended up just the opposite...way more generous than I ever was before.

[@nursegg]

I never thought of it that way...but its true

[@gia4500]

Good parenting is very important.

[@Brucelee89896]

yesss well said

[@colorfulcodes]

Facts

[@jayjohnson8265]

Gina B I’m a first grade teacher and I know this is a FACT. One of the most important things in life.

[@Sleepwalkyr]

@1Man Army Major Key

[@TheSupremeDunk]

Take the credit away from him ....its not his drive and hard work but his parents

[@mounbakko5871]

... when you hear a guy say he did not want to saddle his parents with loans... you know his parents are immigrants.

[@DarthFurie]

Both of my parents are American but are both so poor that neither were able to co-sign my loans. Luckily I only had to take out $14k for a private college because I had so many scholarships and grants, but still. It's not just immigrants

[@xodro4260]

FateAndFurie Scholarships can help out a long way!

[@QueenV90z]

Right!!!!

[@waynejohnson4072]

Moun Bakko well you should probably revise that to say “illegal immigrants” or “semi” illegal immigrants that just found a way to come to US solely to get a better life... But nowadays, a lot you so called “immigrants” are investment immigrants who have money invested in and IS government thank them by giving them green cards. It’s called EB5, you should look it up and know many of those are Chinese rich guys that created jobs here. You probably didn’t mean bad, but I know some really wealthy chinese investors that got green cards/citizenship because a huge investment they put it( $900K is the bar). That’s the money most Americans can’t dream about. You were probably talking about specially “immigrants” that are from less developed places like Latin American or Africa, cuz only that would makes sense that they just wanna a “better” life

[@Mvubo]

@@DarthFurieSounds like you're affirming his point. Your parents were unable to sign. His parents were able to sign. But he chose not to saddle them...

[@eeecha]

I did the TECDP internship with Cigna this summer and Roy was my mentor!! I’m planning to move to Philly next summer to work full-time and I can’t believe I found this video when I searched “life in philly”. Roy is incredibly smart, kindhearted, and hardworking. I’m so glad he’s been and being recognized😁

[@roypatterson6884]

Thank you so much :)

[@Zoro3-3]

Representation really matters because seeing him earning that much, helps me realise that I CAN do it too 💪🏿. Thank you guys for this

[@Dallas3212]

Me2 bruhhhh

[@aped]

You can!

[@sherardm]

Facts

[@IrisMG]

But who did HE have to see to know he could do it too, or did he just do it ANYWAY and not let anyone STOP him?

[@owalker7307]

K C Why did seeing someone who looks like you make you feel as though you could make it, too?? Why is our race filled with so many people who need to see others do something before they believe they can do it or it serves as hope/motivation??? Didn’t you have a father??? Didn’t he tell you to believe in yourself no matter what??? Didn’t you look in the mirror as a child and tell yourself how great you were??? I did. I made $135K+ last year with my little funky law degree, and that ain’t sh*t! I know I’m destined to make WAY more without seeing anybody else who looks like me do it. We are so weak minded it is unreal. Believe in you. Focus on one main goal to the exclusion of everyone and anything. Accomplish it even if you have to sell your soul to do it. That success will lead to other successes. I’m so sick of hearing us talk like we don’t expect greatness. F*cking get it done!! No excuses.

[@elianah8803]

Handsome young brother, educated, good with money, acknowledging his parents and their sacrifices and upwardly mobile. You, sir, will go far. Congrats 🍾🎉🎈 on your promotion and being debt free!

[@abiola33]

"Money brings out the best or the worst that's already in you" I like that piece of knowledge right there.

[@MsDEV89]

The bills split thing is honestly a case by case basis type of thing. Before we got married, my spouse and I split bills 50/50. After marrying, we had separate expense accounts for a while and split bills proportional to our salaries - it was about 65/35. After fully combining finances it’s just become an common expense pool. You gotta do what works! Until it doesn’t. Then you communicate and tweak it.

[@roseaddo6103]

LeapThenLearn Agreed

[@stormb28]

Agreed. 50/50 splits only works when income is 50/50.

[@norbubhutia6080]

He’s does Skin care and plays Sims!!! He’s adorable!

[@AndSoWeLaughed]

and educated* I thought this IMMEDIATELY. Then I saw his beautiful black girlfriend and admired them even more!

[@Bayo106]

@@AndSoWeLaughed most black men in America and on earth are with black woman. it's NORMAL

[@RhumRunner41]

I had to work 2 jobs to reach 6 figures so my time with my 3 kids was precious. Managed to pay for my wife’s student loans, my 3 kids’ university degrees and the house mortgage. Started late to work towards retirement but that’s on track.

[@carsonchan5102]

good job man

[@drafts05]

Well done 👏🏿

[@CeraEMusic]

He has a beautiful spirit and his gf is gorgeous

[@Nechristiian]

CeraMusic let’s marry

[@Nechristiian]

I make 8k a month

[@banaaati]

LifeOfAreyon wrong approach. Money ain’t everything. People who really have money don’t make noise

[@jordancharles8598]

@@banaaati People who "really have money" don't all act the same.... money doesn't change your personality.

[@Nadiasartwork]

CeraMusic yeah❤️

[@morebaklavapls3637]

it seems like most of these people do something related to IT or computer science.

[@iwwanly1544]

@@YPEFFLE well that's good

[@colorfulcodes]

IT pays well. I think it varies on who they interview though because in NYC it's not dominated by tech but there are so many high earning young people. It's about finance, entrepreneurship and fashion in NYC. Even police officers and teachers make six figs in NYC (after gaining experience). For young people, it's normally finance and tech to get six figures...you just have to get in.

[@RachelNicole]

I’m an engineer graduated penn state last year in IST

[@fredmagic09]

Yeah bro, tech is the future. I'm currently making $120k+ per year as an IT developer.

[@omarmohammed555]

fredmagic09 u shud be on millennial money too 😂

[@lichi1244eva]

It's tragic that a well-dressed, educated, clean-cut, gainfully employed brotha is seen as effeminate. SMH. He was clearly raised well and confident in who he is. That should be celebrated.

[@sandyanderson5698]

there are many people like that and how doesn't determine who you are.

[@iironhide6209]

@@thndesmondsaid how is he effeminate?

[@LolaSemone]

He’s feminine. It is what it is

[@joeblack4980]

Exactly. They'd rather pull him and tear him down to make themselves feel better about being loser thugs and the poor choices they've made in their own lives. He's a wonderful example of his people!!!! I wish him and his parents the absolute best!!

[@rogers5622]

True. I just see him as well educated and articulate .

[@Erika2]

"It feels like I'm a new person. I feel as if I could do anything." 👏 Without having debt holding you back, it really does feel that you can go live out your best life!

[@MsSoaringstar18]

I am studying computer science and will be graduating this December!! I’ll be moving to Philly making a starting salary of $80k+!

[@dragontec48]

what school do you go to? im a Security Risk Analysis major at Penn State (kind of like cyber security). projected starting salary when i finish college is 63k

[@Nelson-ys8pm]

Alex Sakin that’s projected, salary is always negotiable and always shoot high

[@DoDo.444]

Congrats boy

[@InvestToLive]

Congrats!

[@nursegg]

Congrats!!!

[@tommychen6102]

Now do an episode on his girlfriend

[@katsweeterly2039]

yes!! :)

[@daunstable1]

Tommy Chen Lol I was thinking that too

[@banditking6573]

She's so cool and funny. His girlfriend is my neighbor's sister.

[@sheldonconk9526]

Yes, cuz that’s how most people are living 🤕🤒

[@coreejacobs4780]

Yeah cause that’s more what I’m working with in Philly, about $60,000 per year. Side NoteSuper surprised to hear him say he had a girlfriend but okay.

[@StilettoShay]

This was dope! I especially appreciate the illustration of how his employer empowered his professional growth. Keep these coming.

[@jothisorthat]

Kudos to him! We love to see a BLACK man thriving! Blessings to him and his family.

[@DemureSpectabilis]

Shoutout to children of immigrants growing up watching Suze Orman with their moms! I'm glad I wasn't the only one!

[@MsEricao]

DemureSpectabilis me too 😂😂😂

[@marlagordon3848]

Right!!! It was such a blessing the day my Jamaican mom introduced me to Suze. I miss her show, especially the “can I afford it segment.”

[@LostMySauce]

Let’s get millennials who do trade work as well. We’ve seen so many IT and finance professionals.

[@YoloRezpects]

they have before. kzbin.info/www/bejne/bJPMY4useZWYjtk if you haven’t seen it

[@natanaponte4211]

You mean day trading?

[@shamarg6]

Natan Aponte no he means people who do physical jobs that also make six figures!!!

[@CFCMAMO1]

Tradies here (in australia) make big bucks.

[@wpbhd]

There are have been a ton of people they’ve featured actually. You should look into them

[@Seeker_01]

'I spend a lot of money on The Sims expansion packs' Stephan:Buddy,we need to talk.

[@peaceandfood7952]

I'm dead 😂😂😂

[@signatureblaque5360]

I’m so proud of you! I’m 21 and currently trying to figure myself out in life. Imma be featured on this channel one day, I know it. 🥰

[@faithmwanzia8416]

Signature Blaque you and I 💕💕

[@bestoftiktok9640]

@@faithmwanzia8416 Niaje kasee… hii show ni watu wako majuu, you can't get featured hivihivi💞😂

[@Slimm_Sheedah1]

Signature Blaque speak it young queen

[@LolaSemone]

Same here. I’m studying accounting in community college soon. I’m 20 and I have an 11 month old daughter. I’m going to do it for her!

[@InvestToLive]

I can't wait to see it!

[@HensaStralem]

I love seeing young brothas succeeding in life. Keep at it!

[@DewTime]

I have no degree and make $180K a year as a software engineer at a FAANG. Household income is $350K a year in the Bay Area. We save $150K a year

[@unknowingreaper6556]

Dew Time ask to be on the show

[@rogeliobarraza1772]

How did you learn engineering? On your own then?

[@DewTime]

@@rogeliobarraza1772 I went to school for a couple of years, but dropped out to learn more practical skills. I learned how to code at school, then taught myself iOS development on the side. That's how I got my first job

[@DewTime]

Sharon Johnson yeah I went to school on and off bouncing all over the place for several years. Ended up with $70K in debt. My wife and I tackled it down hard. Now our net worth is a positive $330K

[@omarmohammed555]

I get so excited every time I see that a new episode of Millennial money got uploaded 😁😁😁

[@Ninadion27]

Omar Moe Me too. I can’t wait to future on there some day. I am almost done paying off my $122k worth of student loans in 1 year.

[@colorfulcodes]

Same. This and Jubilee. It's great for the masses to see how others are spending. I've watched every episode. I need more.

[@jellygurl27]

I always get excited seeing someone Black make six figures. This is inspiring! Thanks for sharing your story. We need this in our community.

[@TheFinancialMinutes]

"I think about money 90% of the time" man SAME 😂

[@InvestToLive]

Money on the mind and the mind on the money!

[@TheFinancialMinutes]

@@InvestToLive I need that engraved on a pillow

[@macsc5497]

Crazy how much I think about money and how to make more money all the time.

[@AtoZenLife]

Ah, so true! Being debt-free is such an awesome feeling. And yeah, your skin looks great. 👌☺️👍

[@foreignimage6638]

debt free is the way to go

[@iwwanly1544]

I love this dude, he is doing most of the things in the right way and he keeps getting promoted so he has a good future upon him, he just needs to cut back on food which can easily be brought down to 300-400$ and that's what Graham will criticize him about 😁

[@justinsolomon4053]

This is the most relatable and down to earth episode I’ve come across yet, thank you.

[@dwaynereed8480]

Nice to see a brotha out here living the good life and being responsible. And he paired up with Queen too. You guys look cute together. Wishing you happiness and prosperity.

[@ALXSSA]

Ayye, my city and you are Jamaican and you paid off your student loans, which I am doing as well! Love my people and my city! 💚💛🖤

[@foreignimage6638]

beautiful jamaica

[@dertythegrower]

why do you inject race and all into a video about a normal city person trying to have a normal corporate life.. 🙄

[@aminahisra4410]

ALXSSA yes big up to we yardie people!

[@andrewpoderis8548]

Philly Philly!

[@marginelouis6674]

@@dertythegrower so Jamaican is a race now 🤔

[@missthang61606]

I’m weak at the Sims shoutout of his little girl Sim 😭😭😭😭😭

[@lolas369]

As I saw him making the dumpling like that, I knew he was Jamaican. BIG UP JAMAICA!

[@kristajennings4015]

Lola S yess 🇯🇲🇯🇲🇯🇲

[@876me7]

Yes! 🇯🇲

[@sunshinexoxo6107]

🇯🇲🇯🇲🇯🇲

[@plafayette]

🇯🇲 coil dem thick like dumplin 😂

[@ty57404]

🇯🇲

[@jasonrwhitingjr]

Get Yo Money, Black Man!

[@Dallas3212]

Jason lookin like a pretty fine black man yourself

[@colorfulcodes]

👏🏾👏🏾👏🏾

[@stephaniemitchell3682]

@Dra O : leave us Hebrew Israelites alone gentile! Go and troll your people.

[@shamarg6]

Dra O you do know there are stores like Zara that sell clothing that looks expensive but isnt?? Stop being so insecure about other people!! He’s clearly doing something positive and not breaking the law... so what’s the problem?? Stfu

[@OriginalFlava]

Thanks for using our cookbook! Congrats on your journey so inspiring

[@angelaharrison103]

Yesss Jamaica represent 🇯🇲 This was my favorite episode yet.

[@kristajennings4015]

Angela Harrison yesss 🇯🇲🇯🇲🇯🇲

[@LiberationofSins]

His situation is basically the same as mine. Congrats to making it brotha! We grinding out here in philly 💪

[@cardion411]

Love this. Love to see young, Black, successful HUMBLE men. Keep on striving brother.

[@posheditor]

Love this. I'm from Philly so it was awesome to see someone who lives there being featured! Also great to see representation 👏🏾✨

[@roseaddo6103]

Tiffany Harrison IKR. Glad they featured Philly

[@aryncoblentz5349]

Most underrated city ❤️❤️

[@nursegg]

Im so happy to see this video. It's great to see a young, black educated man work his way up the ladder, accomplish his goals and stay true to his morals. He is a great role model for young men of color and young men in the world. Thanks!!

[@meaghanceciliawood8972]

I hope this man knows how much free custom content is out there for the sims 4 😊 (also love the expansions too though, no judgement)

[@kocoaberry7041]

I love this young man. He is so positive and uplifting. I'm so happy for him and his beautiful queen. I hope they have a long lovely life together

[@IAmPeterCook]

_"Money doesn't make who you are. It brings out either the best or the worst of what's already in there."_ Feeling that!

[@Princess-x]

Proud of you 🤗 my boyfriend is of Nigerian descent and tripled his income in his IT career. You guys are hard workers!

[@Jordana71]

This was very motivating! Great interview 🙌🏽

[@laluta9]

Please don’t move to NYC Philly COL is so much better...if your raise was more than $20K maybe but the $14K isn’t worth the taxes 😔

[@tracy_ragland]

S. A definitely agree!

[@bellanoche6116]

I was thinking the same thing! Cost of living calculator says $100k in Philly=$230k in Manhattan. Yes, I know there are some cheaper places to live outside of Manhattan, but still...

[@rogers5622]

He has to go for his promotion or he can actually take the train in if he doesn't mind . My co worker commutes from Philly every day .

[@aliali-ce3yf]

all very true...........but philly is a dump

[@beedee8238]

The housing market in NY will be crap soon. He'll be fine

[@BenjaminMutuku]

Inspiring! Roy, keep going! You’re making us proud!

[@nicolebond3992]

You know all the hard work and sacrifices that your Jamaican parents went through to give you a good education and better opportunities in life. Great to see that you have made them proud.

[@LivingModestlyNaturally]

This is refreshing to see. I use to live in NYC. Now Ive been living in Philly for about 2 years. In my opinion I prefer living in Philly vs. NYC.

[@cee-lopreen6754]

Kay Flip exactly. Baltimore would be last, but it's close to DC so who knows.

[@mindfultennis944]

Again an Great Video. Happy to see more of this series✌

[@LifeWithRilla]

Man this guys story is so close to mine. I'm in CT right now working on my journey to becoming a Web Developer, about to enter my industry, pay down debts, a lot of similarities and interest. I love how he also went to Afro Tech. I'm trying to go asap! :) Awesome guy great head on his shoulder.

[@NAhiagbedey]

750 for food? What is this man eating

[@obiwanobi4091]

Nathanael Ahiagbedey was saying the same thing!! maybe some jamaican food items that have to be imported or sth🤷🏾‍♀️ sounds like he cooks a lot as well

[@RachelNicole]

Real rap I ball out at Trader Joe’s every week and still spend under $400 a month ctfu

[@colorfulcodes]

Oxtail and ackee is expensive. They probably buy organic.

[@Christina-jw9bf]

He partially pays restaurant for his girlfriend.

[@Sam-pn2kc]

Soul food

[@DavielJames]

Pull up! Caribbean Nation! Good job, man. Love to see other West Indians succeed! *cue Buju Banton* walk like a champion, talk like a champion.

[@colorfulcodes]

Big up!

[@CandyKeesh]

Aye Yes!!! Me all a walk like a champion! Talk like a champion!

[@nathalia_hfitness1681]

Yes!! 🇯🇲🇯🇲🇯🇲

[@DavielJames]

MrOGG lol, no.

[@ChrisNCamsMom]

It’s the educated, successful black man who’s good with his money for me. We love to see it!!

[@hasionmalik]

This was dope as always! Happy to see CT represented 😌

[@CandaceYoung962]

The moral of the story, pay off your debts...and listen to Suzy Orman!

[@YPEFFLE]

Funny I used to listen to her show in my early 20s, definitely helped me educate myself about personal finance. Her show was canceled in 2012, plus she did some shady stuff with her heavy fee debit card thing she tried to pull

[@dertythegrower]

That woman is a clown, puts on a good show for women who marry the type of men who still watch and believe WWF wrestling and Hulk Hogan 🤦‍♂️

[@_NoHandle_]

I watched The Suze Orman show until it ended in 2015, when she decided to leave (it wasn't canceled). She gave some great advice, and it helped me get out of debt. As someone stated above, Suze's prepaid debit card did have a lot of fees, just like all the other prepaid debit cards. But it hurt Suze's brand because she's a financial guru. People should just stay away from prepaid debit cards completely.

[@samirbatta502]

YAYAY I LOVE THIS SERIES!! PLEASE MAKE MORE!!

[@prudentmom]

OMG, Suze Orman is my unofficial mentor too. I miss her show on Saturdays. My 29th bday I asked my mother to buy her book "women and money" . That book changed my life. Everyone is fretting because they're out of a job and I am sitting on a pretty decent emergency fund, thanks to that book.

[@bryancolin870]

“Your Money or Your Life” .. great book on personal finances 👌🏼

[@dominicgomez7064]

Not to be a jerk but after moving to New York this guys savings rate is going to fall off a cliff unless he gets roommates.

[@aliali-ce3yf]

that very much depends on where he lives in NYC

[@willwineglass5488]

The company will be subsidizing his housing expense with the relocation package. My company pays about 700 a month towards my rent, and I don’t live in a city as expensive as New York.

[@colorfulcodes]

@@willwineglass5488 wow, I didnt know companies do that

[@willwineglass5488]

Colorful Codes Yeah I wish they’d pay for my masters though😂

[@dominicgomez9538]

Will Wineglass You’re super lucky, thats great to have that kind of support from your company.

[@managedbywhitney8214]

Loved loved this one! I am rooting for this man

[@jojohns9670]

Favorite episode of millennial money so far... Checked ALL the boxes!

[@reneelvs1740]

Roy is awesome, he is my favorite millennial. Great personality, hardworking, ambitious, and well rounded. You go Roy

[@inherbedroom]

I don’t understand all this negative comments. This was a good episode. First of all, he lives with his girlfriend... not his wife. She needs to pay her part of the rent. Why are you all acting as if people that co-habitate don’t split the rent- this isn’t a new concept! Unless they are married, why should he supplement her basic living expenses? If they live together, it’s split 50-50. He’s even being generous doing 60-40. I rarely even comment in KZbin, but this comment section frustrates me .. I had to say something.

[@LolaSemone]

I agree but it’s odd to me that he said they can’t do things they want to do because she’s frugal. If he had the money he should pay for both.

[@rogers5622]

He is definitely doing good by paying a larger percentage .

[@zol2415]

Fellow Yadieeee 🇯🇲🇯🇲🇯🇲. Big up yuh self. I also love Original Flavor too they have great recipes 😋

[@nathalia_hfitness1681]

Yes!! 🇯🇲🇯🇲🇯🇲

[@kristajennings4015]

🇯🇲🇯🇲

[@sunshinexoxo6107]

🇯🇲🇯🇲🇯🇲

[@KoalaCammie]

🇯🇲🇯🇲🇯🇲

[@sailorsasmr537]

Congratulations!! Great path! Great video! Love his vibe!! 💕

[@katsweeterly2039]

Roy seems very wholesome and smart. Good on him!

[@ButtercupMaude]

He's managing his finances like a pro. Good for him!

[@thirteenwolfies]

His quote at the end is amazing

[@tempestgodx5001]

Another amazing Video 🔥

[@nataliefontane]

Another Suze Orman fan! Great job on your awesome financial situation. You are killing it!

[@jazmynesimon7746]

Yasss! I love the West Indian representation😊Good for you! And good luck with your move stay safe

[@jiyapatel6473]

Can't wait for Graham to react to this !

[@infini.tesimo]

I remember playing in 8 hour sprints when I was teen but now that is drastically cut down to 1-2 hours.

[@allison-kayruddock3855]

Here after watching home girl in Atlanta. This was so great to watch!

[@Bbbbbbb486]

First off, I love this power couple! Secondly, he's very inspirational!

[@Jasmillmelisa]

Yesss! A grown success man of color 💚💚💚👏🏽👏🏽👏🏽

[@DaydreamingThroughBooks]

Suze Orman was my first exposure the money management, too! I’m loving these episodes.

[@Kelly_Explores]

Love that you both love sims, that made me smile 😂 I can relate a lot to both of your lifestyles!

[@glennbravy9096]

Finally someone who isn't spending $200/mo on food including eating out. 600-900 is normal depending on quality of food.

[@earlj.d.6285]

No outstanding debt, six figure income and only $1,425 in rent 👏🏽👏🏽👏🏽 I say only because my old studio in SF was $2k/month, in the Tenderloin

[@TERRIFICmuse]

Way to go! Congrats on your promotion, Roy!

[@uncommonsense5876]

Great video. Thanks for sharing. Sharp young man.

[@tambakongoh]

Congrats Roy Patterson. I’m joyful hearing your millennial story of riches and strength.

[@colorfulcodes]

ohhhhh shooottt big up! I'm Jamaican too! And In tech! :)

[@ciel222]

GREAT to see that he learned from Suze Orman , I also learned from Suze Orman. He is doing well , I wish him all THE BEST

[@jimmyli6594]

This might be my favorite episode yet. Learned from his parents, great career and extremely smart with his money and hobbies! I’d be curious as to why he doesn’t max out his 401k/IRA before putting money into a brokerage, but no doubt he has a great mindset, and IMO most balanced lifestyle

[@melissaortiz784]

He is such an inspiration! Keep it up! Let's see the girlfriends Millennial Money!

[@nkwhph]

I used to love watching Suzie Orman as well. She was tough!

[@simoneyuille8161]

LOVE THIS FOR SO MANY REASONS! Great video

[@shahee561111]

Love it ! Good job brother. Very inspirational!

[@Wellster]

Graham it has been 20 mins, where is the reaction vid!

[@dabrownminty6893]

He’s the manager of managers

[@dalilbrick1089]

Being from philly Roy even tho you’re not I really see you as a model adult and more inspiration this video was🔥🔥 real rap