Living On $145K A Year In Austin, Texas | Millennial Money

Andrea Contreras, 31, lives in Austin, Texas and earns $145,000 a year as a social media advisor at GoDaddy. Five years ago she had a negative bank balance, but Andrea recently purchased her first home.
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 Andrea''s budget breakdown here: cnb.cx/2AbTnGF
Looking around her one-bedroom apartment, Andrea Contreras gazes from the guitar collection on the wall to the Gucci-inspired sweatshirt her Yorkie mix, Kuzco, wears. She can’t believe it’s all hers.
“Five years ago, I had nothing,” the 31-year-old remembers. Years of partying in her early 20s landed Contreras in a dark place: She had no money, no support system and no goals for her future.
But today, things look vastly different. Contreras has family and friends to turn to in hard times and a career she enjoys. Plus, her apartment is full of furniture and keepsakes that she bought herself. “It’s such a blessing to see everything in here, when I had literally nothing,” she says.
As a social media advisor at GoDaddy, Contreras sells social media assistance programs to small business clients across the U.S. She earns a base salary of just $20,000, but with commissions from her sales, she pulled in around $145,000 before taxes last year. She not only lives well in Austin, Texas, and supports herself financially, but she’s comfortable with the direction her life is going.
“If I want to go on vacation, I can take a vacation. If I want to help someone out, I can help someone out,” she says.
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Living On $145K A Year In Austin, Texas | 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

[@ForexTradingMarket]

Amazing Video Shutout from our FOREX Channel #TeamwithERVING

[@sexyfemale323]

Can you feature somebody who is a medical coding and billing, I would love to see their salary!

[@collegestudentfinance2300]

Just submitted my application, I hope you pick me! Show the world how powerful a college kid can be that is saving for retirement and going to school at the same time, all while working a low income job.

[@Msblahblahblah1977]

Forget my budget breakdown, how about making these videos accessible to people with low vision or who are blind? You're excluding people with visual disabilities by putting all those words on the screen without telling people what they are. So disappointing for a platform with such a wide reach.

[@MsSunlight2009]

@cnbc make it, I would have learned to know how she got into her job and what qualifications it entails. Love your channel!!

[@jim1057]

"I'll probably be paying my student loans until I'm 45" *Makes $145K* *Buys dog supreme clothes*

[@himl994]

Hey if it’s cheap debt to have then she can leverage her money somewhere else where she’ll make more money

[@MrTmenzo]

@@himl994 student loan debt is not cheap since interest compounds monthly

[@Balcantar18]

This was the best episode

[@NM-gr7cs]

She wants someone to come into office and take tax payers money and pay for a loan she chose to take

[@SodaSiren]

They’ve paused interest on student loans for right now.

[@rohansmusic4931]

Graham's probably sitting in his garage reacting to this right now with his 20 cent iced coffee

[@user-lk5sv5vz5n]

哈哈哈哈哈哈哈哈哈哈哈哈哈哈for one sec, i mistake as grandma

[@joshithankenapalli5701]

@@user-lk5sv5vz5n facts bro

[@andrewt013]

@@user-lk5sv5vz5n grandma stephen is wacky

[@navidhussain1301]

Graham drinks ice coffee? Sounds too expensive for him :)

[@rohansmusic4931]

@@navidhussain1301 it's 20 cent tho

[@fatalconceit9713]

"I hope someone comes into office and diminishes my student loans." You make $145k a year! Pay your debt!

[@Bob-rh9fk]

Very liberal mentality. Just wait for the government to solve all my problems. Liberals want us to be fully dependant on the government with 90% of our taxes going to them just so they can dole it back out with healthcare, food stamps, and college. Lol this has to paid for by someone, and I guarantee you you'll pay more than what you owe right now with student debt.

[@Dblup]

Alexander Webster Ehhh. The government will pay my bill

[@mav7804]

That salary is not consistent also, they are just highlighting her best year.

[@joelrodriguez9661]

@@mav7804 she's making at least $14k a month in commissions. She doesn't need someone to come into office and forgive her $30k in student debt. She's putting almost $3k a month in savings. If she moved 10-20% of that savings towards her student loans she'd pay them off quickly. Its great to save but if you have debts you should pay them off.

[@chunksloth2746]

If I made 145k a year I could pay off my house in 3 years. I also have a wife and 3 kids. That amount of money is stupid. She could pay off her loans in a matter of months with ease

[@christian-gu5oq]

This girl really makes that much money and wants someone to pay her loans 😂

[@rentalsreality8723]

Rite.

[@flakgun153]

Student loans are extremely low interest rate. It's a bad idea to pay them off early. Besides if there's a real chance you win the lottery and get it paid off why not?

[@rifleman542]

she looks like she's 41, not 31.

[@masoncnc]

"Austin"

[@JDiculous1]

Student loans are a scam

[@nihaokellar180]

I really want to see people making $40k or $50k a year living in a big city. Someone relatable, someone like me. I'm available by the way if you see this, CNBC :D

[@edb484]

I agree, they did one a couple week, maybe a month of a couple living here in Dallas making 40-50k. And I think it was one of the better episodes

[@TomCook1993]

You can apply online to be featured

[@Pinkkermit17]

I agree , I rather see those episodes , “ I live off minimum wage “ when it’s the way of life for many many people

[@titros2tot]

I want to see more of 30k to 50k episodes. I want to know about people like me. I also want more states like Utah, NC, SC, Virginia, Montana...etc. I love immigrants episodes and 2nd gen.

[@YallahYah]

Check the the early episodes, they were about people making $40K - $70K in NYC and Cali.

[@andrewjwatson]

Morale of the story: Sales is the best option for high income if you don't have STEM skills

[@Essays4College]

Sales is the best thing if you don't own the business!

[@infini.tesimo]

Sales is the best option if it's YOUR natural inclination to do that as a job. Never force yourself to do a job that you'd hate for years on end even if it paid well. There's other options for non stem jobs that still pay 6+ figures like digital marketing.

[@jjkoskela]

@@infini.tesimo Sales is a skill you can learn, sure you can be a people person and that can help but sales is 100% skill anyone can learn

[@sharonchen3706]

So true

[@MegaJohn144]

You can make a great living in sales if you really love it and are good at it. I hate sales, which is why I opted for STEM.

[@candrab8565]

I can’t even get over her saying she wants the government to pay off her student loans. Girl. What??

[@MeesterGonzalez]

Exactly! I have only $16k that I'm paying off in student debt, but I used the GI Bill to pay for about 60% of my tuition, and I worked f/t and paid another 10% as I went. I sucked it up and went to a public university, but avoided those crazy $100k+ student loan nightmares that others now want us taxpayers to take care of for them.

[@ccstarz19]

Exactly. I came here to post this. Smh

[@sabrinatatalias4277]

So frustrating...your debt is your responsibility.

[@MeesterGonzalez]

@@yaidasr5409 I was National Guard. We only get GI Bill credit for the amount of time we're deployed on federal missions. I got 60% for deploying to Iraq for 18 months.

[@babygirl-nl4im]

M G i mean... she pays tons of taxes as well? lmao. this is a mutually beneficial thing. europe and asia does amazing with free university so it’s not like it’s some selfish crazy idea

[@ohhireneexo]

I’m confused your paying 30,000+ on a house but won’t pay off the student loan debt?? Dave Ramseyyy where u at?

[@JohnAdams-qc2ju]

Thats how the rich in the US make money, keep your debt and pay for an asset that will go up in value and give return. Then do it again with a high debt and return and repeat.

[@KareemSav]

It's actually a smarter move in her case because that house will probably appreciate in value and make her way more profit than the loss she will take from the interest on that loan.

[@Naturalbeautytoo]

Exactly! She's got waay too much debt for me and a lack of financial literacy. Her heart is in the right place though.

[@janedoes5903]

@@JohnAdams-qc2ju yup, debt isn't bad

[@carlam.9916]

If you make more than $75,000 you can’t write off students loans on taxes and we don’t pay state tax in Texas

[@mattsmillennialmoney39]

30K in student loans? You make 145K/year. PAY IT OFF!!!

[@ArtisticLana]

The amount of interest she will end up paying will be crazy.

[@colorfulcodes]

I agree. It's only a year of work for her.

[@Mincraftnerd100]

The interest rate is probably lower than inflation.

[@eatnplaytoday]

@@colorfulcodes not even that. I take home 55k and paid my 34k worth of student loans in a little over a year. And I live in California where taxes are crazy. She can pay it off in less than half a year.

[@colorfulcodes]

@@eatnplaytoday wow, that's amazing. Congrats to your dedication. I agree. Hopefully the comments can inspire her to tackle them.

[@ofmiceandmandrakes1005]

30k in student loans and the dog is wearing Gucci 😬

[@alp.9672]

She makes 145k at age 31. Unlike many on the comments here Im sure her student loans are up to date. She just doesn’t want to rush and pay it she fine.

[@akin242002]

Insane!

[@Ari-lu5ve]

welcome to America 😂

[@dosereviewschannel2230]

Priorities☝🏼🤦🏻

[@MFlint-un2tq]

Imagine how much money she can have to herself when she pays off the school loan.

[@Angela-ne9cy]

Take it from a 40-something who is FINALLY paying off that student loan: free yourself early. Life will throw you curveballs and the most precious gift you can give yourself is FREEDOM. Pay off those loans and navigate life without that weight on your shoulders.

[@user-tm4my4jb6d]

Yup, I am with you. I had no idea where life was going to take me. I had to rebuild after a divorce and humbled myself. Paid off my student loans. Saved up for a downpayment and now drink my coffee on my porch watching the sun come up

[@montyi8]

@@user-tm4my4jb6d wow

[@richardpalmer8478]

Ain't that the truth....

[@martinzaharinov4016]

I have a ton of student loans that I will be paying well into my 40s and I agree with you at heart but I disagree with you on logic. While I want to feel that freedom and I have an urge and an instinct to pay them off and nothing in the world will feel as good as being rid of them it is much smarter if you have low APR loans (mine are all below 3.8%) to pay the minimum and invest your extra money. $1K invested will grow faster and net you more than the $38 you'll save that year on it by paying down earlier. This doesn't apply to everyone but it does to most borrowers. It's just a long-term math problem and the math comes out on the side of investing. Always.

[@steveyrock1]

@@martinzaharinov4016 There is an emotional component to debt and I would never tell someone to not pay it down over investing. Just like you said, it is financially better to invest if the interest rate is low. I would rather invest and once I have enough, the interest on the investment can pay the student loan bill. The other benefit of investing is that you still have the cash in case of emergencies.

[@akirebara]

ANDREA: Just pay your student loans. After that, the $200 something you're paying per month with the interest will go into your investments and savings. Pay what you borrowed. I make 1/4 of what you earn a year and I was able to pay off my student loans in 2 years.

[@justinjohnson120]

But she wants the gov’t to bail her out. Duh.

[@dallasryder8125]

Finally Texas, we in this bish. Sadly, this wasn't it jack... she could've used 3 commission checks and paid her student loans off smh

[@infini.tesimo]

That's what I'm saying!!! Zero reason to let that useless debt sit there.

[@monica4158]

Agree - but it's her money at the end of the day and I appreciate her total transparency ❤

[@SelimxBradley]

Imagine making that much money to be a "Social Media Advisor" lol...

[@bhavyanshsabharwal9029]

It depends on the interest rate. It’s probably better for her to let that ride through if it’s 1-3%. She can put that is her savings instead. Edit: Typo

[@fulim226]

Yupp just pay off higher interest debt. Shes doing it right!

[@ladhkay]

Paying unnecessary interest on a 30K loan which you could easily settle in a few months with that salary is so stupid. I'd understand if it was like 200K+ but 30K on a 145K paycheck and you cant pay off? wtf

[@MrJonathanshammer]

She is probably waiting for the possibility that the federal government swings left and forgives the loans. Ive worked with a few higher-income individuals who are doing that exact same thing. It makes my blood boil, mainly because it seems somewhat likely to happen.

[@PhantasticJess]

Jonathan we make about $165k and my SO has about 20k left on his loans. We’re hoping for the same thing. Otherwise, we’re paying it off in two years.

[@CrackberryMe]

100% Right

[@DividendRick]

@@PhantasticJess You should pay for the loans yourself. you signed for them.

[@MrJonathanshammer]

@@DividendRick Its 2020. Paying for yourself is soooo last century. Its easier to expect lower-income/non-college grads to pay on your behalf. What does PhantasticJess care, as long as she gets to eat out and afford the finer things in life she doesnt care who has to pay for it. Its textbook narcissism.

[@LinzyLinz7]

If she wants to, she could pay off that $30k debt in one year and still keep her lifestyle. She actually can afford it

[@billsmith9234]

she is investing her money though many ways. In that case student loan is kinda good debt.low interest. She knows what she's doing

[@michaelflores23]

I want to know more about how one only spends $300 a month on food while primarily eating out.

[@madinp1177]

Might do intermittent fasting ‘one meal a day’ style. Although she’s slim there’s something about her that doesn’t look healthy. Wonder if it’s from poor nutrition from not having any veggies from restaurant food

[@ddavis8988]

Buy big or medium. Dint eat it all and stretch it out over 3 days. I've done this. Typically not healthy, but I had to do what I had to do.

[@Myview246]

Depends on how much or how little you are ordering.

[@TheRover2010]

I want to know how eating out is cheaper than cooking at home.

[@mrvk39]

did you see her big family in Austin? That's how - bet she eats at home when visiting and they give her plenty to go too

[@erin8133]

"When you get, you give." I love that. Helping others is so important!

[@namewithheldforprivacy7107]

Wrong,, when you get you save, learn from Graham

[@katy3901]

@@namewithheldforprivacy7107 If I were Graham I would, as far as possible, be using my income to help others.

[@emilyc1988]

Get ready to get robbed from people asking for handouts

[@katy3901]

@@emilyc1988 If I worked to help 10 people and it turns out 2 were ripping me off, I really don't care. I've still helped 8.

[@happyyourehere]

​@@namewithheldforprivacy7107 I bet you Graham is doing his part. He is cheap but he does not seem selfish. I hope he sees this and responds

[@SelimxBradley]

"Social Media Advisor" Salary: $145k "I won't be able to pay off my $30k in student loans till im in my 40s". wow.

[@locotx215]

No kidding . . lets pay off those student loans so quickly so you can have more capital to put down on the mortgage for a cheaper interest rate . . I dunno.

[@xPyrotecLP]

Unbelieveable, she saves over 2k a month but only pays 230$ back... I would try to pay like 1k-1,5k per month and I'm free in 2,5 years

[@Ultramilkdude]

@@xPyrotecLP If her students are federally awarded, then they should carry a low interest and the interest is simple interest. That means that paying off 30k earlier will cost her money versus investing it. Plus with the Federal reserve pumping money, her debt gets cheaper and cheaper every year as more and more money gets pumped into the system.

[@dausdk]

@@xPyrotecLP how much is the interest for student loan in usa? in my country the student loan dont have any interest, so i will take the longest time to pay back it.

[@xPyrotecLP]

Ahmad Firdaus Good question. I‘m from Germany and our universities are financed by taxes, so many students don‘t need money from the bank. Otherwise you can apply for interest free loans from the government

[@2livenoob]

“If I want to go on vacation, I can take a vacation. If I want to help someone out, I can help someone out,” but if you want to pay off your student loans, you can't?

[@bigdisme5622]

Stacey abrams mentality lol

[@BringerOfDeath12]

she can, But she is being smart

[@chrisskelly4266]

beautiful story but it's hard to fathom how she can't pay off $30k of student debt until the age of 45 when she's making 145k a year and only 31 years old.

[@colorfulcodes]

I love how her story isn't cookie cutter. Sometimes life happens or we make mistakes but most of us can still pull through and accomplish our goals. Wish her the best but my only critique is that she shouldn't wait on the government to forgive her loans. It's never certain that they will or that her income would be as high in 10+ years. Glad she found her way. 🙏🏾❤

[@chelseagirl278]

Colorful Codes Amen!

[@abelcanalesjr5715]

That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved.

[@awarepenguin3376]

GoDaddy just shut down this Austin office and laid off all its employees. Hope she does ok. Plenty of tech in Austin.

[@detroitpistonsplayoffs]

So much for that house

[@RealmDesigner]

Not surprised considering they were paying this much to dumb broads like this.

[@bsarioz]

@@RealmDesigner lol if you're better at sales, go make more commission than her. Easy to write that on KZbin.

[@haroonfunny94]

@@RealmDesigner she made most of her money on commission, ergo pretty much earned every penny

[@matthewrreis]

A little Googling goes a long way... "814 employees - about 10% of its workforce - will be impacted, but many of them will be offered new roles." domainnamewire.com/2020/06/24/godaddy-plans-layoffs-and-is-closing-austin-offices/

Another great Millennial Money segment! I love that she was so transparent in sharing her account balances before she started earning, and saving more money.

[@anthonyromano6921]

She’s delusional with her student loans. That could be paid off in under a year.....

[@vitox2241]

That’s why she’s on CNBC make it and you’re not. Leverage your debt and capital. I wouldn’t pay off student loans in her position either. A dem might come in and forgive it all together, ya never know.

[@Hboogie182]

@@vitox2241 Dave Ramsey would say you're stupid for thinking this way.

[@Hboogie182]

Anybody who thinks they can build wealth with debt is delusional. Especially people like her who thinks tax payers will bail out her student loan. She makes way too much income to even qualify anyway. Such stupidity. Poor people seem to think that by paying the minimum amount per month, they think they'll end up with more money in their pocket but it's actually the other way around.

[@vitox2241]

H Boogie never said build wealth with debt. I said LEVERAGE debt. Much different. Liquidity is important too guys :)

[@blues3531]

She's a 31 year old with a fake job. What did you expect?

[@smellmybush]

You never know what could happen with your current income. If you’re in a position now to pay off debt, pay it off.

[@judigemini178]

Exactly!

[@circesoul2218]

Why pay it off when some hard working lower class janitor will be forced to pay it so she can travel, party, buy her and her dog designer clothes and accessories and afford her $350,000 house?

[@60NXNP09]

Wise!!

[@rrace2]

She still hasn't learned about compound interest lol. Puts less than 10% down on a mortgage and in Austin the property tax rate is around 3%

[@60NXNP09]

@@dannyfarman5046 ???

[@JesusEsDios007]

With that income she should pay her student loan in less than a year.

[@jeriax7779]

Less than a year?! Her bonuses are 20K, she can do it in 2 months and be debt FREE!

[@benb1103]

and she put $20k down for a house pay your student loan off before you buy a house

[@patrickbateman3769]

Her student loans can be good

[@benlooy547]

"I don't get groceries very often because I don't know how to cook." Food budget: 300$ Me: *confused?

[@Zones33]

1 dollar mcdonalds burgers

[@NotKimiRaikkonen]

How has an entire generation grown up without cooking? My parents made us cook probably half of our meals...

[@kdilli6426]

Andrea if you're reading this... PAY OFF YOUR STUDENT LOANS ALREADY. You will feel so much better when you do.

[@JS-ep8my]

Let her live lol

[@NM-gr7cs]

She wants someone else to pay for it

[@unlimitedpower4101]

@Siddesh Gannu There's no taxes on any income you make in the state of Texas. I'd just pay all of it off in cash tbh.

[@kurtdubling3026]

Focus the next 3 commissions on paying off your student loans. You will feel such a relief and accomplishment. It will set you free.

[@Redhawk1986.]

Top Frog you still have to pay federal taxes even if you don’t pay state.

[@barnabyk6987]

I can hear Graham’s screaming already after she just admitted to making minimum payment on her salary for her loans.

[@nzmanhdee6246]

Modhaga Toung her reasoning is correct. If it’s a fixed loan % wise, she can do that.

[@akin242002]

Never carry debt if you don't have to. That is crazy with her income level.

[@1941id]

What does Graham know about paying student loan, he didn’t go to school. I am sure if he did he will wait until student loan forgiveness 😂

[@akin242002]

@@1941id That is a gamble, especially at her income level. Student loan forgiveness goes to low income and non-profit workers 1st. She most likely won't get approved if it was available. Her safest bet is to pay it off herself and focus on investing.

[@NM-gr7cs]

@@akin242002 even if she is approved she shouldn't take it since she makes more than enough to pay for it herself

[@gomezbollina1004]

*Great video. We all strive towards financial stability and a better life. It is easy to achieve this through the right investment, by living frugally and budgeting. I’m glad I learnt early in life to work hard for financial freedom*

[@sonlee8066]

@@gomezbollina1004 I’m truly inspired by your words. I’m very interested in investing and I’ve a good sum of money which I’m ready put in with the right information. My fear is losing my money in a wrong investment. For this reason, I’m willing to listen to your suggestions and ideas on how to invest wisely.

[@gomezbollina1004]

@@sonlee8066 I firmly believe that the success of any investment depends on having the right information, regardless of what others say, do whatever you set your mind to. Warren Buffer always says "be greedy when others are fearful and be fearful when others are greedy". This is certainly the trick to succeeding even when others fail. I made *$200,000* working with *Donald Nathan Scott* a licensed *financial adviser* . It’s been a promising experience so far with him.

[@gomezbollina1004]

@@nathaliamaurice5626 As to get more details about my coach; *(Donald Nathan Scott)* quickly do a web check where you can connect with him, do your research with his full names mentioned.

[@faithrussel9384]

Everyone should know that operating a business will pay off under certain conditions and that a job requires certain requirements to earn more than others. But with the right investment information, you can build, inherit, and store money for future spending. I always tell anyone who wants to listen to me that looking for investment ideas and having friends who help you spend less and build your finances are essential for a financially independent and healthy life.

[@gza1011]

She said she will be paying off her student loans until she is 45, so 14 years. For just $30K in debt, while making $145K a year, that's pathetic. It's better to take care of your debt now while you're making great money. Especially if you ended up getting laid off, getting in a accident and can't work and now you are no longer making great money and still have loads of debt.

[@ainusa1534]

She won't be paying off anything now. GOdaddy closed their Austin office and laid everyone off.

[@bigdisme5622]

@@ainusa1534 she's prolly lost it all, terrible st money, prolly flipping burgers now

[@kstarrify]

Preach!

[@kstarrify]

@@ainusa1534 Awww that sucks

[@jepoyburner]

"I think overall it saves me money when I go out to eat..." 😂😂😂

[@ladybugcdl]

There are many restaurants that have apps that you rank up points for exchange for free food or money off. My credit card off deals from restaurants such ad buy and get another one free of equal or less value. Two people can eat for 10.00 or less. If she uses these type of deals she has a meal for the next day.

[@savannahtrevino6741]

There is absolutely no way you save money by going out 😂🤣😂but whatever helps you sleep at night 😆

[@fernydellacruz]

@@savannahtrevino6741 yes and no because theres no rule on not to go out when saving money like this young lady because it's always good pay yourself with going out and that fact she can take back food for another meal is in fact time saving and some money saving. Plus shes "sober" now so no marked up drinks

[@strawberrycheesecake7912]

In south africa we would ask "njani babes" which is similar to "how sway" 😂😂😂

[@gbballpl]

Eat out vs the opporunity cost of having to cook 1 hr vs work that extra hr. So save $10 by eating in or earn $150 by working an extra hr.

[@kennethturner9140]

She could pay off her student loans in a year. Why would she be making minimum payments?

[@BTrain-is8ch]

The opportunity cost on using cash to pay them off early is larger than the savings. You need a 7, 8, 9 plus percent interest rate for that to not be true.

[@AanandBajaj]

BTrain5489 psychological benefit outweighs that though

[@lidali2]

She thinks the government will saver her

[@Cookieboy70]

She's under the delusion that her student loan will be forgiven.

[@BTrain-is8ch]

@@AanandBajaj Oh yeah? Tell me how much psychological benefit is going to pay you in retirement...

[@ipsilonia]

I LOVE THIS SERIES SO MUCH! y'all are giving me LIFE, rn. thank you.

[@MoorishBrooklyn]

Motivating as heck! Congratulations to her for working towards her goals and picking herself up.

[@10-OSwords]

"It saves me money when I go out to eat." DO NOT TAKE FINANCIAL ADVICE FROM HER OR ANYONE FEATURED ON THIS MILLENNIAL MONEY PROGRAM.

[@MrAmunika1]

Depends..i live in Austin and sometimes 10 dollar meals are quite a lot. You can have for 2 or more days

[@MyBloomingLife]

eating out can save money if you go to cheap places lol

[@10-OSwords]

@@MyBloomingLife mmm...no. for the price of a cheeseburger you could buy the ingredients at a grocery store to make at least 5 sandwiches. Not to mention the gas money you save by going to the grocery store once a week & not having to drive to a food joint for 3 meals a day. Complete false economy.

[@MyBloomingLife]

10 O'Swords eh I think it depends on a person’s eating habits... Some people would not want to eat multiple burgers in one week (or even deal with freezing it and thawing it), so it would be easier to go to Wendy’s or McDonald’s and buy a burger + fries + drink for around $5. I live 2 minutes from a mcdonalds & not too far from a Wendy’s, so it might be more convenient for some people to drive to a fast food restaurant. For some people buying bread + ground beef + cheese + a head of lettuce + pickles + condiments & then preparing it is a lot lol

[@MyBloomingLife]

10 O'Swords I would say for my lifestyle, I like a combo of both cooking and eating out. If I want food in bulk, I’ll make it. If I’m craving one specific item (like a burrito bowl), I’m not going to buy 7+ ingredients and spend the time to make it all of the time

[@notclaire612]

She lost me at hoping her student loans were wiped. You signed it, you pay it!

[@mattsmillennialmoney39]

Claire Lubrano agreed. People need to stop thinking someone’s going to come save them. Take responsibility for your choices

[@Mvubo]

Breaks my heart to hear this entitled attitude. I used to be cavalier like this, life changed. I Lost a good job. Changed my attitude

[@willcollins5660]

I hope someone pays off her student loan. Maybe her boss, her company or future boyfriend.

[@joevarga5982]

@@willcollins5660 Because that's what boyfriends are for, right?

[@willcollins5660]

@@joevarga5982 She is smart. That is a good strategy to have because rather than pay it all off herself, just be patient, eventually she will get someone to pay it off based off of her already great sale skills and her likable and compassionate personality, I think it would be quite easy someone will pay her bill on her behalf.

[@sawchawn]

we know this is the US when you're calling giving your family some money as "Donation". lol

[@bellasantini28]

Good for her for making a change in her life and being the most successful rep in her office. Sales is HARD. And taking yourself out of a bad situation is harder. She deserves to manage her money however she’d like!! She should be praised for being a SELF MADE woman! You go girl!

[@imhungry2387]

I agree 100%

[@troyculcasi2595]

Crazy how a job that didn't exist 20 years ago is so popular and highly coveted in 2020.

[@MaikasCooking]

What's her job?

[@Sam-qd7nz]

@@MaikasCooking It's in the description, social media advisor at GoDaddy

[@Dance1617]

Animals have to evolve or die and so do we.

[@bruhwhat2417]

She is not a Social Media Advisor, she is a Sales Representative. Jobs that are more similar to a Social Media Advisor role at GoDaddy make a fraction of what she earns. The only reason she earns this is because of commissions off of the sales she generates.

[@mathewscott9453]

And the worst part is a middle schooler could do the job

[@dominicgomez7064]

How can you not cook and only spend $300 per month on food?!?!?

[@leonhenry4861]

She said she takes left overs home. And she's really skinny.

[@sarahhalnan8267]

she probably eats with her family a couple times a week too! they seem really close which is so nice

[@Tennischamp10]

@Ruru Home $25 a week on food? Wtf are you talking about.

[@bonnieroserob]

She works in tech and usually they get lots of free food in their offices!

[@bruhwhat2417]

At her job there is subsidized food options that keep lunch costs *very * low, after that she would really only be paying for dinners and weekends. Sometimes you can also bring plenty of food from lunch home from dinner. Buying lunch every day would cost about $120 a month.

[@war.on.buffets4170]

*How to learn how to save:* Make 145k a year.

[@helenefollesdal479]

So impressive - I love how she set her mind to do things, worked hard and is achieving her goals! Awesome job!

[@jerrypeter1814]

You are very beautiful woman with a beautiful smile, I wish you all the best this year, how is the weather over there now

[@LizzKillian]

This dog has a more expensive wardrobe than I do.

[@jerrypeter1814]

You are very beautiful woman with a beautiful smile, I wish you all the best this year, how is the weather over there now

[@insydian]

Graham is gonna have a field day with this one...

[@jorgenvonstrangle000]

It’s normal to your average Austin Texan. They keep it “weird” thats the citys moto. They party, they drink, they go to ACL. It’s a college Hollywood.

[@visualluxphotography2220]

Facts😹🔥

[@NandoTheDirector]

Hahaha this made me laugh so hard

[@Hboogie182]

Dave Ramsey would have a field day too.

[@hearthealthyhustlebyjonath7414]

Hahaha

[@CalebOliver]

It took me a while to see this video but I love it. It’s in the top 5 Millennial Money episodes for me. The fact that she gave her life to Christ, totally transformed her finances, broke a record at her job for most commissions earned, is a dog mom, and loves music/playing the guitar… wow just wow! Congrats Andrea on all of your achievements. Great episode CNBC Make It! 👏🏾👏🏾👏🏾

[@cassieleonarda3905]

Food: 300$... but she never cooks and always eats out??? So about 9$ a day on breakfast, lunch AND dinner?.... #wedontbelieveyou

[@jelianlarbi1149]

Haha 😂😂😂

[@izzybizzy3030]

Maybe she has cheap breakfast tacos for breakfast and the $300(a week I'm guessing) will go pretty far if you are sober and not buying cocktails.

[@starrkiya]

Lol she said that when she eats out she gets left overs that last her usually 1-2 meals

[@shahanerenuka29]

May be she has free food ( lunch, snacks, coffee) at her office

[@MrAmunika1]

i live in Austin and that much amount is actually doable in Austin. I've lived on muc less than that. so shes pretty accurate about it.

[@nickvasquez8054]

Makes 145k/year and wants someone in office to wipe away her $30k student loan. GTFO of here! I just can't with these entitled folks. 🤦🏽‍♂️

[@olleydrum9016]

I would have paid that off within the first year. I'm debt free and make 90k and able to save and invest so I don't get why she's paying minimum or even expect someone to pay for her loans 🤦‍♂️

[@Sam-qd7nz]

If that was me, I'd be putting the $230 into savings and using the $2800, or even more than what she puts right now in savings for paying off the debt. I don't get people who have money and are in great financial situations, and yet have no financial literacy.

[@Matthew-rp3jf]

Bro agreed. Its why I will likely never vote Democrat, even though I agree with a lot of their stances. And btw I live in Texas.

[@zyramus4386]

@@olleydrum9016. Just curious, what job do you have?

[@chrispetro]

For somebody who doesn’t cook, her food budget at $300 isn’t too bad - could probs be cut much lower by cooking but not too bad! Great savings %

[@robby.g6600]

$10 a day in food. I dont think it ads up. Hmmm

[@locotx215]

She doesn't eat either though

[@akin242002]

Probably bringing home the free meals at work or from family if she exceeds $300 per month on dinning. Not a bad idea, but she should pay off that student debt.

[@ladybugcdl]

She did say she bring home leftovers.

[@travel9two557]

Same thing I said $300 is rather impressive considering she doesn't cook no groceries and lives in Austin tx where the food scene is expensive. 👏🏾👏🏾

[@JuBrew]

You can afford your student loans, don’t ruin it for people who truly can’t.

[@quintonquiroz4086]

just a funny update. My friend was working at this office, they closed it down a month or so ago. Hope she paid that student loan debt lol.

[@knowitall3892]

lmao I’m sure they went virtual

[@brianabee88]

it's an internet based company! lol they are working from home

[@tricasp5544]

Many are not. They let many many many go! Pretty big.

[@ByAssociation]

@@tricasp5544 I'm sure if she was making that much due to commission she is one of the few they kept. It sounds to me like is is an asset yo the company and not a liability!

[@justenwilson4644]

Sound like you happy it’s close

[@9871516690]

When you get you give, when you learn, you teach. Beautiful words! Love this lady. She has really turned around her life and worked hard. Has the right values to help others. BRAVO girl!

[@ManjarithePandicorn]

It's hard battling an addiction! Good for her

[@damarh]

we need an update of this video considering GoDaddy just shut down their Austin Office and fired everyone, probably her too. i am curious if she got a new job or if this puts a dent in her plans.

[@Ayveh]

What :o I also want a update now.

[@AnkitSingh-gb7ku]

She's still working for GoDaddy in case anyone's interested

[@AstonT9]

That's a pretty disgusting attitude with regards to the student debt. You took on the loans. Don't make it anyone else's problem down the line.

[@bangwithcamino693]

She has a good heart and good intentions. She's just naive or undereducated when it comes to money/loans/investments.

[@NohandleJ]

Only person I. The comments to approach this issue with Grace lol. Everyone else bashing her.

[@abelcanalesjr5715]

That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved.

[@JustaGamerT2]

Her: Accepts a loan to increase income. Then expecting taxpayers who don’t have a college degree to pay for her loan that she accepted. That is just plain stupid. Don’t accept the loans if you don’t expect to pay them lol.

[@JustaGamerT2]

trippy cesar Being selfish and irresponsible aren’t traits of high intelligence.

[@morganghetti]

@trippy cesar no she's not. Her loans aren't going to be forgiven especially making that kind of money. Shes paying more by stretching those loan payments out.

[@watson457]

*** Laughs in Paycheck Protection Program SBA Loans***

[@circesoul2218]

She wants lower working class people to pay so she can continue living a somewhat lavish lifestyle. It's infuriating.

[@SeaJay_Oceans]

It's the Marxists way, profit for yourself, make others pay, then take their stuff too... Brilliant woman, makes the nation pay her bills.

[@shirley.temple]

The way Kusko looks at her melts my heart ❤️🥺

[@vishalpmehta]

What breed is that dogo?

[@dynamichunter843]

@@vishalpmehta some kind of a teacup yorkie

[@lenapetrova]

Being from Austin myself, I know that making $145k here is a very comfortable place to be. Definitely the best city I’ve ever lived in.

[@chechozuleta]

curious! moving to austin soon! 145k you consider it gross not net correct? also, would me and my girlfriend live confortable in austin with that amount? until she gets a job! lost with expenses.

[@OneSvT]

@@chechozuleta if you can't live on 145k in austin there is a problem lol. That's a little over 8k per month net.

[@luiscedillo7311]

Yoo u know Dave Ramsey would pull all his hair out if he knew what she said about the student loans lmao

[@edb484]

He would act a fool lol

[@kayseacamp]

I fully agree that the cost of college is way out of control but I also really dislike how some people are just sitting there hoping someone or something will swoop in in save them. Accept that you made a bad financial decision and take ownership of it.

[@nyc_guy7658]

Kasandra Campbell College is not a bad financial decision if you pick the right major. 30k student debt but she was able to make 145k at so young, that’s actually not bad.

[@terrao4971]

🤣🤣🤣

[@terrao4971]

NYC_Guy I don’t think Kasandra was saying college is a bad financial decision necessarily. It’s going into debt to go to college is the bad decision versus saving up and paying cash. 🤷🏻‍♀️ that’s my interpretation.

[@richardparker123]

“Watches are my only splurge” Has more guitars than a band Buys her dog Gucci sweaters, Supreme shirts, and tuxedos Eats out all the time Spends money getting tatted up Girl like to spend. Nonetheless, she’s making good money and found meaning for her life! I’m still happy for her.

[@rubenpartono]

Her food expenses come to only 300 bucks (in the pie chart). That's crazy low for somebody who always eats out! I guess I gotta work towards halving my portions and eating leftovers.

[@lexivictoria3153]

Love her comeback story and she deserves everything she has.

[@TheMichaelg1280]

Hope she still has a Job Go Daddy shut down that Office.

[@boxertubetops]

Work hard, pay your debts

[@thanosthemadtitan5518]

She's gotta pay off those debts though.

[@ieshiamunguia6313]

I love this! You go girl. I used to live in Austin and it was so much FUN. I am so happy for you and your accomplishments. Thanks for sharing your story and continue to let God use you!

[@raevinruiz2222]

I see myself in this women I’m going thru a lot with being sober and now I’m building up my money and moving on to better things with my spiritual life and with God ❤️

[@oscardennis5550]

Good for you! God bless you

[@jorgenvonstrangle000]

Thats hilarious

[@kareempelumi]

Keep crushing it! 💪

[@chelseagirl278]

Raevin Ruiz keep going, keep praying. Bless you! 🌸🙏❤️

[@drewconway7135]

Paying the minimum on student debt hoping someone is going to get elected and wipe it out is irresponsible. You took out those loans, you have the means to pay them back, and you should. That money did not fall out of the clear blue sky.

[@chandler_smith]

Agreed!

[@kriziab2241]

Agreed. I had student loans around 30-40k not sure on exact number but paid it off last year. I'm a nurse and they talk about loan forgiveness for that job, but I never relied on it and paid it back so I could be debt free.

[@akin242002]

Agreed! It is extremely irresponsible. I would be more sympathetic if she worked for a non-profit and was paid $60k per year. At $145k she doesn't deserve anything from the government.

[@JDiculous1]

Wow do people actually believe this garbage? Lmao. Travel around, you'll discover that in no other country do students graduate with such absurd amounts of student loan debt, debt that can't even be discharged in bankruptcy.

[@kelvinm3810]

She feels so calm. This video is strangely calming

[@Ayveh]

Agreed

[@NurseNotRatched]

I feel the same way about my dog. 💕 He’s been with me through some dark times.

[@SeanLei]

Inspiring how she’s come back financially in a big way. Some of her decisions are questionable, but always glad to see someone take initiative on their finances!

[@shark101au2]

GoDaddy shut down their office in Austin and fired everyone over a year ago.

[@akin242002]

Whoa! $145k per year and she can't pay off her $30k student loans for a year. She needs a licenced fudiciary money manager.

[@user-wh6fw2id9n]

maybe interest rates are low?

[@JustineCarissa]

I agree. I feel the person signed up for it they should pay it off. Also she is high salary earner. She is saving a lot per month she can put that towards he debt and just pay it off easily.

[@sophiakarina9085]

Sometimes it makes way more sense to invest your money into a high interest saving account or stock market rather than paying off your student loan debt. It fully depends how low your interest rate is

[@brimmed]

​@@sophiakarina9085 A high interest savings account? I'd be amazed if the interest on her student loans is lower than the interest on a HYSA. Maybe right now since it's deferred

[@jenny84ish]

Sophia Karina she only owes $30,000 she can be done with it in less than a year. And have more money to invest in the Following year instead of paying interest on the loan.

[@ilytswg]

This was awesome to listen to. Thank you for posting!!

[@bane2256]

Reading through the comments reminded about how clueless people are when it comes to financial management

[@Trenttabor]

Puttin 20k down on a 350k house on a 145k income is weak sauce.

[@TomCook1993]

Building home equity is never weak sauce

[@lestersanchez5534]

how much you making??

[@Happypappytappy]

Damnit I hate godaddy. They’ll make you think you’re getting a deal when you sign up and then a year later they’re like, oh hey we gonna $200+

[@AT-cy9uh]

This lady needs to take a deep dive in her budget. Her debts and liabilities are holding her back. She needs to get out of her car and high insurance and put that towards her student loan. She makes a good enough income where she should be able to live debt free. … and I wrote that only by seeing the snapshot of her budget. She’s financially illiterate if she thinks she should pay her loans until she’s 45. Very bad.

[@pinkeeluvr]

“Anyone can change their life or their situation...you just need to make a choice to do better.” Yes!!! Sound words

[@BrandyBee1]

The most honest and realest episode I’ve seen so far. Kudos to her👍🏽❤️

[@xavparry]

She's still terrible with money. She just makes more 🤦‍♂️ Keeps saying she "changed her life" as she continues to hold onto student loans, rents an expensive looking place, and eats out for every meal.

[@WillWise]

I didn't even get started on the video I stopped at 22 seconds but I could tell there is privilege in there somewhere and I think you hit it right on the head nothing is changed she got was so lucky to get some stupid social media position enjoy the good money while it lasts cuz this girl may be laid off already whatever I hope this millennial money website gets their stupid clicks I guess that's all that matters on the internet now

[@corpgov]

spouts platitudes ("it's about sharing and giving") at the beginning of the video and emblazons herself with messages ("gratitude") tells me she's just a virtue signaller

[@glorias.2930]

I wish she would have talked about how she landed that job or what her professional background is.

[@SavageScientist]

yes i agree, its good to hear things like this.

[@running730]

Exactly that! These people hate to share how they got there... Idk why, but they just do.

[@izzybizzy3030]

LOL Why? So she can flood the market with competition?

[@SeaJay_Oceans]

2020 Both offices closed, 814 employees eliminated. If you are not IT production staff, it's over.

[@jerrypeter1814]

You are very beautiful woman with a beautiful smile, I wish you all the best this year, how is the weather over there now

[@dhowto3005]

Good for Ms. Contreras! Seems like a nice family too!

[@infini.tesimo]

If you're making $145k a year, there's no reason why not to pay the student loan off immediately. Any useless debt should not be kept, there is no excuse for that.

[@trts5934]

If it's a low interest loan it's much better to invest the money she'd otherwise use to pay it off.

[@neilpanasare4144]

Also upto a certain level a loan offers a considerable tax break. Also long term if the interest earned on the money is more than interest rate of the loan, she is the real winner

[@DMINATOR]

@@frejlinden407 not good enough, push them more so that they start paying you instead....

[@infini.tesimo]

@@grantanderson8277 you just explained why you should pay your useless debt off as quickly as possible. She's making far more than enough to do it and already living as if she doesn't make a ton at all based on being broke previously. Cash is king, and the way you get more cash flow for the long term is to get rid of things that do not serve you. Also I hate Ramsey's stance btw lol.

[@infini.tesimo]

@@trts5934 She can can after getting rid of what's useless as her current net worth is being affected by the cash flow hindrance of having to pay for it. She was in debt and knew what it was like too..

[@nkanyisokambula]

Wait for it Millennial Money......If you know you know

[@t3l3bajs3k]

graham stephan

[@gregoryroy]

Hopefully he goes crazy over how she’s waiting for someone to come into office and diminish her loans. I can already tell she is a Bernie fan.

[@xaifer2485]

Pretty much Everyone here knows lol

[@iro3952]

He’s going to flip out

[@anabettencourt6943]

Lol I literally commented something similar

[@Rickybhz]

love your story, am so happy on how you treat your dog and your self... and good on you for beating the nasty disease of substance abuse... one of the worse things to have to deal with because its something you can break, but breaking it is not easy at all... good job...

[@deborahrobinson5209]

I think you are awesome Andrea! I love your foundation "when you get you give, when you learn you teach" keep on being your best self.

[@dominicluigimalazarte3746]

350k for a custom built house? I live in NYC and that just boggles my mind.

[@bondarprojects8167]

Right! I live in Seattle and you can’t even buy a house in this area that’s live able for that much

[@gregorymadu677]

That’s how Housing prices are in the south especially Texas . I live in Houston, Texas and my house is over 4000 sq ft 5 bedroom and 3.5 bath and I only got it fir 325K. There are homes like the one in the video that go for 180K-250K here in Houston or Texas in general.

[@jareaver]

She's not building anywhere close to DT Austin for $350k. The median home price in Austin is $421k. Enjoy your "custom" home in Kyle, San Marcos or Bastrop

[@MattSezer]

You could buy a house for that in Newark and be in lower Manhattan in only 30 minutes on the Path train.

[@yukidejesus1956]

@@MattSezer i agree - i live in orange and take NJ transit and be in the city in 25 mins. (used to live in NYC) bought a townhome in Orange for $260K last year.

[@brodyadamsthatsme]

With her expenses being that low, I would like to know where the rest of that money goes? Her monthly spending is literally less than half of her income.

[@suyashvijay5542]

I feel that she is underestimating how much she splurges. Otherwise she isnt putting much towards retirement or any other investments and is only paying the minimum on student loans

[@ApolloGenX]

Don't forget savings (for house etc.), taxes, healthcare

[@riceball777]

bases on the video her expenses does not make sense. More than likely she spend way way more than what is listed on lifestyle.

[@MsSoaringstar18]

She just put $20k down on a house and almost $2500 in savings every month! I would think the money is going into her savings

[@SeaJay_Oceans]

A good practice is to try and skip every other paycheck ... If you can't make it on half of what you earn, you need to find a new career... or reduce expenses. Cable TV ? who needs it ? cancelled. XM radio ? cancelled. Sweaters for dogs ? Get a goodwill sweater, cut and reshape it for your dog.

[@katherinehorn1209]

Wow, why wouldn't she just pay it off in a year? She makes SO much money!!!

[@GoProLouisiana]

GoDaddy in Austin is closing... laying off over 300 employees.

[@aarongant1982]

That's why all the people saying don't pay off the student loans and invest the money are wrong. Pay off the loans as fast as you can. Now if the job goes away you're much better off pausing investing than pausing loan payoffs.

[@djquick]

Ha! Yep! Bet she’s working at a bar serving margaritas for $5/hour plus tips wondering if she’ll ever pay off her god damned student loans.

[@michaelmunch8682]

@@djquick Bars in TX are closed....

[@angelloro]

Oh man, that’s true. That sucks, it’s gonna be hard for her to find a job with a salary even close to what she used to make at Go Daddy. www.google.com/amp/s/www.kxan.com/news/local/austin/godaddy-laying-off-more-than-300-in-austin-closing-austin-locations/amp/

[@MrKyletaylor53]

GoDaddy did leave Austin and she and everyone else was without a job. I worked with her at GoDaddy. She wasn't this "humble"

[@jbautista9902]

Great job Andrea! Seeing you turn your life around for the better is truly amazing.

[@Newbie797]

Lives on $145k Averages $20k/mo. 20x12 = $240k Spends $6777/mo. 6777*12 = $81k Something doesn't add up

[@kayleeware]

Aww this was encouraging and so sweet to watch!

[@willbeale3094]

Congratulations Andrea....really proud of you. Stay true to yourself, family, and your faith. I'm certain you have an even brighter future ahead. God Bless.

[@MegaChicChi]

This is a great episode!

[@xhpfanx]

l love that at 31, she's single, living her life, and taking care of herself and is HAPPY.

[@locotx215]

Is she really?

[@akin242002]

Paying off that student debt and she will be a lot happier. Congrats to her on turning her life around. At 31 with $145k income, drug/alcohol free, and loving family/friends for support.

[@geminidragonreads]

The stupidity of this girl renders me speechless. You make 145K a year...live beneath your means and those student loans should be paid off in no time! I hate people.

[@TRIPLEMLUXE]

"when you get you give, when you learn you teach" , I love that!

[@didine256]

She's a good sales person 💪

[@locotx215]

She's attractive . .a must for sales

[@KingDannyT]

@@locotx215 right because people can see how she looks over the phone

[@ladybugcdl]

@@KingDannyT lol

[@michaelstollairetbarceo3287]

@@locotx215 Usually that's correct to some degree, but not in her case as it's mostly online sales

[@ManjarithePandicorn]

PAY OFF UR LOANS GIRRRRL

[@NM-gr7cs]

She wants it for free girl

[@CrackberryMe]

100%

[@alhemmings8554]

Not at the expense of cashflow. She's only saving $3000 a month. I'd want at least 2 years worth of expenses in the bank in case I got made redundant.

[@PercivalC]

I wonder what her credentials were to swing a job like that. Making 145k a year at 31... I'm 24 myself and would give anything to be raking it in like that.

[@baileybee]

Seven years in career years is a massive difference

[@Edde2016]

If you have the right personality for it sales can be a very lucrative career. Its all commission though, you can make a lot or make a little...

[@michaelstollairetbarceo3287]

Become an Aerial Lineman. lol you can make double that.

[@bruhwhat2417]

It's not that difficult to nail a sales job -- the tricky part is doing well on a base salary of $20,000 and extreme performance metrics.

[@SoCalFreelance]

@Octavian Contract COVID nurses are making $110 an hour

[@spunkycat6144]

I make 35 a year, live in Austin also, pay twice that for my student loans from a private University UMHB. I have been at my insurance insurance sales job for 16 years, served in the military for 5 years and never been drunk. I am boring. So you are lucky to earn so much. I have always volunteered places. Your family looks fun. I am typing this between mouthfuls of lunch. God is good.