Living On $280K A Year In Fort Worth, TX | Millennial Money

Terrence Bilodeau, 35, lives in Fort Worth, Texas, and earns $280,000 a year as a real estate appraiser and landlord. He owns 12 properties that are worth about $2.75 million. Here's a look at how Bilodeau built his career in real estate and how he spends his money.
This is an installment of CNBC Make It's Millennial Money series, which profiles people across the U.S. and details how they earn, spend and save their money.
Read more about his budget breakdown here: cnb.cx/3dXOxvC
The 35-year-old real estate appraiser based in Fort Worth, Texas, checks his net worth monthly to see how far he is from his goal of $10 million. He's well on his way: As of January 2020, when CNBC Make It reviewed his finances, he's worth about $1.3 million, he says. He expects to hit $3 million in the next two to four years and $10 million by the time he's 50.
Growing up with a single mother, Bilodeau never felt financially secure, as the family struggled to make ends meet. Today, he views money as a way to make his life better. He invests most of his income in real estate and the stock market. The little bit of discretionary spending he does allow himself includes hiring landscapers to care for his yard, a housekeeper to clean his house and a monthly membership to a local spa where he gets massages. It's worth it, he says, so he can spend what little down time he does have with friends and family, or just relaxing.
Not that he has much. Bilodeau works seven days a week running his business, and he never takes vacations because he doesn't want to lose any income. Any time he takes off is time he's not getting paid. He plans to relax once he achieves more of his goals, which includes someday starting a family.
Bilodeau brought in a combined $370,000 last year as a real estate appraiser and realtor, and paid himself a salary of $280,000 from those earnings. As an appraiser, he works on behalf of banks to determine current and accurate property values.
His income is largely determined by how much time he puts in because he works for himself and charges per appraisal. Appraisals typically cost about $450, but he charges up to $2,500 for complex projects. The most he's ever billed in a month is $50,000, but most months it's around $30,000.
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Living On $280K A Year In Fort Worth, TX | 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

[@user-rn1lb8sx2c]

“Don’t lie who’s been a fan of cnbc Before June??”🙈” Mr beast commented on my new vid I’m crying 😭

[@mellowtonin4166]

can we do someone who is more reasonable to compare? I mean sounds like every millennial make 100k above lol last time you did somewhat reasonable persons were 2 couple or one guy in govt

[@johnlee2238]

@@mellowtonin4166 poor/regular people don't like to brag

[@xoxoxoxoxoxo3776]

. Why do you want to feel inspired by people who are poor? When you’re around wealthy people you get inspired to do better in life. Trust me! I was making 42k / year and now I make $96k-$100k/yr with no degree... because I have all ambitious friends

[@deeboy1957]

Millennial money used to be about more then just flexing, now it's just all flex.

[@Knoxus99]

Finally a man who admits, I did all this to get a girlfriend.

[@cee-lopreen6754]

But guys with no jobs get girlfriends, so at most to get a girlfriend you need a mediocre job.

[@ReeneZon]

Lol. Hope he finds a good one.

[@ntl9974]

@@cee-lopreen6754 yes but girls leave often when there are no prospects. They all want fams eventually

[@ntl9974]

@Emmawat What family

[@malehu]

And he still doesn't have one!

[@FinancialShinanigan]

Now we need a $25,000 living with the parent epsiode of Millennial Money

[@Rafi88]

Who also have $75k in student loans...now this is way more realistic

[@thehollyannrose]

I make less than 1k a month and I don’t live with my parents.

[@Djfjfjrhhrjrhrhfj]

Hollyann Rose can you elaborate on what state you live in? How many roommates? What’s your rent cost? All other bills? I’m genuinely curious cause rent even with roommates in California is like 500-800 per month.

[@michaelhailemariam4221]

Hollyann Rose you should 😂

[@BTrain-is8ch]

@@Rafi88 Except 75k in student loans is not normal. The median balance is 17k. Average is 30k. Something like 70-80% of the people with student loan balances have less than 40k.

[@joshthegringo]

Friendly suggestion: you guys have plenty of videos of people making over $100K at a young age. I think I speak for most people when I say that we want to see videos of people making closer to the median salary of $35-50K and how they get by on a daily basis.

[@naturalbeauty_abena1230]

I agree

[@naturalbeauty_abena1230]

@@seragbadr4308 those people in that income bracket are also making it. I would say. I think showing the different income bracket will be interesting as well

[@alp.9672]

I agree, obviously they show millennials who are only in the top 10%

[@sydneyrios753]

Agreed!

[@MiaBella07]

Guys the people in $35-50K bracket needs to submit to be shown on the show. If you’re in that bracket, consider reaching out to be a part of the series.

[@akmack2]

I get that ppl want to see more relatable incomes but MAN these hustlers are inspiring! Killing it bro

[@cschuman01]

For those wondering, Terrence if a very smart guy, a hard worker (self-evident), and a great friend. He's taught me everything I know about real estate and helped train me as an appraiser. I currently make about $10,000 a month appraising evenings and weekends which supplements and actually outpaces my 9 to 5 income. Two years ago, I made maybe $50,000 total, last year $100,000 (started second job), this year I expect to crack $200,000 without issue (both jobs full throttle). Some things to keep in mind - when you're self-employed, you become a workaholic by default. When work comes in, you feel compelled to take it. All of a sudden, vacations aren't as enticing because you think about opportunity costs. For those asking about high monthly food costs, opportunity costs come into play. $1,000 a month is $10 a meal, 3 meals a day roughly. When you're making $100+ an hour, why would one spend 45 minutes preparing a meal and performing clean-up? That's $75 lost. What's a $10 meal at that point? Your decision-making changes a lot. You start to recognize that you are always trading time for time. If you have more time than money, learn a skill and leverage that skill to make money. When you have more money than time, pay someone else their worth for them to perform that task since your own time is best spent doing what you do best.

[@alexkace6620]

akmack2 not anymore, the covid bankrupted him

[@TartarianTopG]

Alex Kace what???

[@cschuman01]

@@alexkace6620 i guess whatever makes you feel better about yourself

[@TheCreoleSon89]

I wouldnt mind doing an episode but the application is too long lol. I'd wait until they had open casting or something like big brother.

[@Johnnynomadic]

" I googled how to lose weight" lol just found that funny. Good on him for having the motivation and desire to live a better more active lifestyle of self improvement

[@randomworld4662]

And its appear you to spent 1000$ on food to loose weight

[@kdilli6426]

"I'd like to have kids with me when I go on vacation" SAID NO PARENT EVER.

[@annamwale]

🤣🤣🤣🤣 #truth

[@ayannafit2441]

What I'd like to know is 'why?'. Up until that point he seemed like a sane person

[@MsNeelamma]

Ha ha ha...

[@munchkineatsalotvent9899]

Family vacations are a thing

[@dip5635]

traveling with kids is no joke

[@pleasantlydrifting6663]

I don’t trust anybody with that much La Croix in their home

[@user-vi4xy1jw7e]

Why not

[@eastatlantacondoeac4283]

I'm with you - lol - I'm judging you if you that's your favorite drink

[@ellax325]

@@user-vi4xy1jw7e It literally tastes like potable television static

[@yikes710]

His whole house deadass looks staged for the video lmao

[@Mzbbxhfbfnsx]

I like this guy, he seems like a hard worker. We should toast to his success and not worry about how his voice sounds

[@GoGoHaBin]

So i watched this video about a month after it came out, and did about 4 months of research on being an appraiser, talking to appraisers, all of that. I ended up going through the classes, the 79 hours and before I was finished I had secured a job and I've been at it for a few months now. This video along with research, hard work and tunnel vision, literally changed my life. Thanks Terrence!!!!

[@gaurulchhabra7371]

Hey, Hope you are doing good:) yes his video has motivated me as well and would you like to share how much salary (if employed with an employee, NOT self employed) can one expect in the initial years ? Thanks in advance :)

[@abhim9221]

If you dont mind sharing what does the pay scale look like for apprisers

[@beautifullytextured6136]

Congratulations

[@otherryan]

Terrence: "cash is trash" *Dave Ramsey has entered the chat*

[@rei_mikeg]

Exactly, lol. How can this guy claim his net worth is 1.32 million when he is 1.7 million in debt?

[@jtome84-91]

AMG Shadow positive equity is how. His assets are worth more than his debt.

[@rei_mikeg]

Jtome84 - I appreciate the reply. I understand positive equity, but it’s not cash, so it’s not my cup of tea. This guy owns 11 more properties than I do though. So who am I to judge?

[@theAppleWizz]

@@rei_mikeg Let just put it this way Dave target is normal people that literally say oooh pretty I want it and put it on a credit card. People that actually become rich use leverage in one form or another.

[@munchkineatsalotvent9899]

@@rei_mikeg good debt is different than bad debt. In some situations you want to be in debt

[@sben125]

"After loosing weight I thought the next step would be for me to go to school to get a better G.. job for myself" My man was about to say girlfriend lmaoo. Bless his heart

[@user-pe2yx9kt4e]

Lmao

[@jeremynicholson9795]

This felt like an episode of MTV Cribs and not a Millennial Money.

[@sergiomigueI]

Jeremy Nicholson maybe because he doesn’t have friends 🤷🏻‍♂️

[@user-vi4xy1jw7e]

@@sergiomigueI what?

[@aishajackson50]

Maybe because real estate is his "thing"

[@chrisvldz]

crib was fly

[@pinklight911]

He seems like a really nice person.

[@itsKristiii]

Why do I feel like him and graham could be best friends?

[@Yelllowchild7]

They can share the 20 cents coffee

[@antonytome6590]

graham would be fuming he doesn't have a saving account

[@verb0ze]

No way! He splurges too much for Graham's taste 🤣.

[@shadman_rafi]

He is Graham without the youtube channels.

[@jumadamuharram]

Lol secret Graham club 😄😄

[@EstanaMiracle]

Waiting to have kids to go on a vacation makes zero sense to me lol 😂

[@Tjp361]

Lol exactly! They'd be such a hassle, he could just hop up and go.

[@alexislopez4165]

He might just be using it as a way to deter him for going and losing money (not working) and paying for the vacation. He wants to make money.

[@ALITASHOW]

When you make 25k a month its $830 a day. So he doesnt want to lose that and pay for vacation as well. Makes total sense to me. Also he doesn’t look like he is into luxury lifestyle.

[@lshinobi9999]

He doesn't have a day off, he works 7 days a week. So him missing several days of work is a lot of money.

[@dawnjohnson1965]

I totally get it... between what he'd have to pay and what he'd miss in revenue. That vacation is about 10k. It's not worth blowing that kind of money until you have a family. THEN the missing to the 10k is worth it.

[@alexmarquez2992]

Love this guy very humble him falling off of the hammock made this video even more genuine

[@vl2378]

He’s so wholesome I’m happy for him

[@kevinkang4427]

His properties are worth $1 million more than his debt. He's crushin it!

[@saltymonke3682]

should be like that

[@wanderingdoc5075]

Thats pretty normal

[@ImHimEli]

That’s how you’re supposed to do it

[@oyster3145]

That's the way a balance sheet should look

[@wanderingdoc5075]

@@oyster3145 Yea even if you put only 20-25% down, appreciation happens so pretty quickly your portfolio will be at 60% LTV.

[@cocosjourney7712]

Terrence looks like a very nice person, with a good heart and good mindset. I really like how he just put in the work and take actions for his life. Very inspiring. Wish you all the best.

[@anujdevatha6072]

Why is literally everyone on this channel a real estate investor

[@CantFightRobots]

Because thats the easiest way to exploit people lol. Low effort, massive reward. Just buy a house then up charge how much it costs to live there and boom some other person is footing your bills and lining your pockets so you can go to the spa and wear tacky frat brand clothes. Those that have money to start can buy property and then their money cycles over and over and they make more and more.

[@sidsuresh8205]

CantFightRobots not true, you can build a good credit score and start without much capital.

[@tserings2228]

CantFightRobots but isn’t the issue going to be paying off your mortgage for that property tho? Like how can you make profit if you’re going to be using that rent money to pay off your mortgage

[@saasda6255]

CantFightRobots 😂😂😂😂 not forgetting taxes finding a cash flow property

[@MarshasJourney]

Because that's where the money is

[@garrett21]

This dude is like every character in Silicon Valley

[@amazinghannure6440]

Major Jared vibes...

[@syahmi518]

Aaahh.. That coo.. Jared

[@ellax325]

Literally my first thought. The Patagonia vests and North Face windbreakers are so cliche at this point.

[@NAT-turners-Revenge]

He really is😅

[@zuria07]

I like seeing the variety of incomes. It shows how different career pathways and decisions pan out. And getting a six-figure income in a stem field, trade, or in real estate is actually very realistic. People seem to bypass that a lot of the six-figure episodes are of people who grew low-income or children of immigrants. That’s really inspiring!

[@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

[@shak8791]

$1000 a month on food? Graham please don't hurt him he didn't know.

[@MoayedJA]

Hahaha

[@theakshayb]

You know the episode is coming!

[@franciscooolopez123]

I’m waiting for it!

[@amberwilson8775]

😂😂😂

[@j.e.torres7044]

FINISH HIM!

[@paolabueso]

Oh, I wasn’t expecting him to fall and honestly it was amazing. He was a good sport about it. 😄 Also, I don’t know him and somehow I feel super proud for all of his progress and the effort he has put towards achieving his goals. It’s really motivating to watch that. Thank you so much for sharing this! 🙌🙌🙌

[@TritoneTrickster]

I used to be one of those people who’d dismiss comments asking for more representation from those in the lower income brackets, but now I completely understand where these comments are coming from. The last 8 videos have featured salaries over 80K and it’s coming off as one note. Most have been landlords or aspiring landlords for example. It’d be great to see some in lower salary brackets - the median for millennials is around 69K at the moment. One thing I’d like to remind annoyed people about is that there is such a thing as participation bias; maybe lower salary bracket owners don’t want to take part in content like this and as such will skew their pool ‘CNBC Make It’ can select from.

[@kendalljohnson9172]

...just a correction that 69K median number is for HOUSEHOLD not INDIVIDUAL...the actual numbers are more like ~30somethingK/person (or substitute millenial if u want)

[@msthing]

I agree -- as much as seeing people succeed is encouraging and uplifting, this series could be a great platform to discuss challenges people face. How about single parents, people who graduated into a recession, ex-convicts who have trouble finding employment, crushing healthcare debt... Tons of topics relevant to "budgeting".

[@quinnhendley4031]

@@msthing ~ #THIS thank you.

[@TritoneTrickster]

Kendall Johnson my bad should have made this clear - thanks.

[@kendalljohnson9172]

TritoneTrickster nbd it’s just crazy how low the numbers really are bc the way it’s presented people expect to be making a lot more than they do bc they hear these median incomes and don’t realize that’s a household figure not individual.

[@ITPCD]

just a hardworking humble guy who is self made and killing it... really great to see!

[@jimothy05]

He sounds like Toby from The Office lol

[@jaspeb9553]

he creeps me out like Toby too

[@hashiramasenju6058]

Everybody's saying they want to see someone more relatable or maybe making 35k but the whole reason this channel was created was to make "you smarter about managing your business, career and money." I would much rather see those killing it with their finances anyways.

[@VARzeledon]

Graham can’t rip him a new one because he’s like his Texas twin

[@ZXC_ZXC1]

It seems Graham is making off money CNBC's Millennial Money videos so I hope he an agreement with CNBC as it's not fair use of copyrighted material.

[@eliubfj]

Graham is gonna spit out his avocado toast when he sees this one 🥑 😂

[@mannyflores470]

Very humble. Seems like a good chill friend to have.

[@theformulated1]

His voice reminds me of when Bill Burr impersonates a woman.

[@Xxxteeero]

🤣🤣🤣🤣

[@syedreza8722]

I'm sure he's looking for a "girlfriend" rn

[@theformulated1]

@@syedreza8722 he said he had one.... 🤔... I question that myself

[@SeaJayBelfast]

For MEEEEEEEEE....

[@rei_mikeg]

(Video was posted 4 hours ago) Me: Why hasn’t Graham responded yet?

[@lukepascal6023]

This made me laugh out loud! but forreal.. where's graham... GRAHAM?!?

[@flawaii-pines6858]

Id say this guy is more impressive than Grahm as far as real eatate rentals. If only he drank more 20 cent coffee he would have 4 more houses. LOL!

[@aignia5385]

isn't he like 5 years older though?

[@flawaii-pines6858]

@@aignia5385 Yes but close enough.

[@ChristopherRangon]

@@flawaii-pines6858 Not really 5 years is a long time

[@ayannafit2441]

And isn't Graham worth like 6mil? Looking forward to the reaction either way 😂😂

[@riskreward1447]

Cost of home ownership is far higher in Los Angeles to Forth Worth all his 10 properties and the lot is probably the same as Grahams total. Not to mention Income Tax in Texas none in Cali OMG!!!!!

[@AlexTRex3000]

Friend: Wow, how did you lose weight?? Terrence: Well I discovered there was 3,500 calories in a pound and that made it easy Friend: ???

[@Bayo106]

it's really not more complex than that

[@SelimxBradley]

$280k a year? SO RELATABLE!!!!

[@edb484]

Right lol, I like the 40k-60k salary episodes

[@electricv564]

I'm pretty sure they are trying to show millennials can do this too, not just Boomers.

[@Mingota100]

To me it’s awesome seeing this. As it serves as an inspiration.

[@electricv564]

@@Mingota100 exactly

[@jeremyacosta4965]

you can make it relatable

[@r.n.321]

wow, great story! love the house, esp the walk in closet haha! keep hustling bro!

[@Darklovesto]

Him saying that he was a pro gamer made this video 10 times better!

[@hoangakahowie]

great to see a local fort worth fellow be successful .. this was definitely inspiring..

[@Mvnerv_]

LOL!!! the Hammock's part got me cracking up xDDD he seems like a cool guy. I'm happy he's doing good. Congrats!!

[@Reactitup]

I'd love to do one of these series! I live in dallas !

[@nicolegrande6151]

His car payment is my mortgage payment 😬

[@sergiu_alin]

Mine too

[@ktapia1]

Mine too😕

[@michellemarie1197]

Who would have either of those???

[@pametriad]

It’s almost double my mortgage payment (I got a really great deal on my house when the market was down)

[@PacificPier]

May have been better for him to have gone with a Lexus RX 450h F, a Toyota Highlander Hybrid or Lexus 300h - i think he wants a familial friendly vehicle with speed, but an added height perspective will change things up for him as well.

[@Moises_Ramirez]

Thank you for highlighting my people in the great city of Fort Worth!

[@deangelogeorges4493]

Idk what it is, something about his voice was throwing me..

[@totonimkeaw6290]

lol he sounds tired and bored

[@animerocks2468]

To be honest, I was pretty sure he swung the other way until he mentioned his girlfriend.

[@estuardoe8]

It was probably an audio glitch...he meant boyfriend 😅

[@realSimoneCherie]

Maybe he’s a trans man 💁🏽‍♀️ it’s all good

[@dylanlopez7901]

Bruh facts mad annoying lol

[@arianneahimsa8221]

He drives a Honda and his girlfriend drives an Audi? Lol

[@LegendNinja41]

smart dude, saves some good amount of money, unfortunately for him his gf seemed to not so reasonable and just wanted a big luxury car.

[@ziwer1]

He lost weight to get a GF. tells you everything you need to know.

[@emmanuelshipstone]

Luxury cars are money pits.

[@medicmikerelf3309]

Happy Wife Happy Life

[@WestCoastChicano661]

When you have money you don’t have anyone to impress. Real money is silent.

[@kikijasimine]

As much as I love this series, we need some realistic incomes as in $25K-45K. But I think people are scared they don’t want to put their business out there.

[@hazelnuts23]

His income isn’t realistic for all the hardwork he put in?

[@charuvimal5525]

@@hazelnuts23 I think she means about the people who are in majority

[@d.jmamba7237]

Why would you want to see broke people? Just so you can feel better you aren't broke?

[@kikijasimine]

D.J MAMBA I NEVER SAID THAT! Honestly, most of millennials don’t have that an income of 200k. Majority of them have an income of $25K-$45K. Trust him, this guy is ok but I would not what to have $1.3 millions in debt.

[@d.jmamba7237]

@@kikijasimine that's the whole point most millennials make 30k I don't need to watch a show when I can just called my friend since most of us are broke. The point of the show is also to inspire

[@dietrichris]

Good for you young man! Very inspirational for any generation.

[@SteveRam]

8:36 that made me laugh 😂

[@prateeksinha1176]

I wouldn't be surprised to find out he's a workaholic

[@sirpsychosexy]

I mean they did say he works 7 days a week and he doesn’t take vacations because he wants to be available to clients 24/7

[@OneSvT]

sirpsychosexy I’d rather off myself lol

[@michaelstollairetbarceo3287]

7 days a week doing what he does is different from working 7 days a week in a mentality challenging or physically demanding job, much different.

[@noxxider4361]

That's what it takes to get up there. There's always someone else working harder than you

[@doctordarcy8385]

@@noxxider4361 Meh. My husband makes more than this dude, working for Amazon Web Services. He works in his pajamas at home for about 6 hours a day. lol. No weekends. Tech is where it's at for high salaries + flexibility + generous PTO, and health benefits.

[@jiyapatel6473]

Can't wait for Graham to react to this one !

[@stepheng9322]

Why? Seems pretty dry to me

[@montasirrahman7978]

oh yeah!

[@NaturallyNerdeeNicol]

I appreciate all levels of income. I like the buildup (stories/source of motivation) of the millionaires and wouldn't mind seeing the strategies of others I could relate to as well. Keep both.

[@miamichaelides5279]

Great episode!!! Seems like a really nice guy!!! Good for him :)

[@mshi101]

*owes mortgage* Graham Stephan: "I'm about to end this man's whole career"

[@Lawlzinator]

Doesn't drink alcohol "because it costs a lot" Buys patagonia jackets

[@MH-ru8he]

The alcohol budget for some is well into the $100's. A couple pricey sweaters won't match that costs in the long run.

[@DanyCesc83]

love the video man! GJ

[@ToddBaldwin]

You're killing it. Well done!

[@randomguy8807]

I see people say "i'd rather see someone featured who makes average salary". I prefer seeing these guys because it opens up your mind about what possible. Do you actually want to watch episodes where you see "yourself" ? What exactly can you learn other than living paycheck to paycheck sucks?

[@SanskarWagley]

Why not both?

[@colorfulcodes]

@@SanskarWagley Yea, I'd like both. They should stagger them.

[@Knoxus99]

I honestly think people just want to see struggle p0rn. They want to see people struggling to make ends meet or living extremely frugal lifestyles to make them feel good about themselves. Despite they know plenty of people living that lifestyle or that their are numerous videos on the internet about it.

[@elle70096]

Exactly! Are you going to strive for average? No, this is the dream

[@BrianVelez]

Does anyone else get an Alan Harper vibe from him? 🤔

[@sooutstanding31]

YES!!! Spot on.

[@patricehill122]

Lol

[@juanrojas4979]

Lol

[@MissARB128]

😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂

[@dirtymike3329]

Not too many Allen Harper references lmao

[@masterfork]

The video editor was probably laughing their butt off making those slow-motion action shots of him watering the plants

[@CarmenGarcia-lz5ge]

Love this guy. Definitely inspiring.

[@nothingiseverperfect]

LMAOOOO I WAS WONDERING WHY HIS PC WAS SO NICE AND THEN HE SAID HE WAS A GAMER LOOOOOOOOOL

[@Delliofreight]

He is literally living the type of life I want

[@DonjinGekido]

Good on you. that is hard work, I am no where near where you are but my life went on a totally different course. Respect.

[@bradyschiller5643]

Keep Saving money and investing your money. Great job buddy, keep up the good work!

[@96tacho]

Graham is going to have a field trip with this one!

[@premium7182]

Lolol

[@des1458]

He will throw the ice coffee across the room when he sees used 911 🤣

[@naturalbeauty_abena1230]

😂😂😂 can't wait

[@juandre33]

50 bucks says grahams gonna show your comment in his video. Paypal me

[@96tacho]

Juandré Van Aardt he didnt... feel free to venmo me @beto-hernandez 😂

[@Dalalifyy]

Graham is going to go crazy when he knows he doesn’t have a savings account😂

[@victoriasbudget4556]

Congrats Terrance on being successful. I would say to pay off your primary residence ASAP. Your home is beautiful. Thanks for demonstrating multiple streams of income.

[@hannahreyes2767]

i live down the block from this guy... i’m abt to check out these properties

[@victoriaw464]

My friend lives just down the street from his house. As soon as I saw the rooftop I knew exactly which house his was lol!

[@saulgoodman2018]

Whenever I watch millennial money, I can hear Graham voice in my head.

[@plymix8389]

RIP to this guys portfolio during the crash.

[@BigRodd91]

That's why I don't trust debt also stocks. Those fields are quite the gamble.

[@MizAlexandria]

He's playing the long game sure its fine

[@paolabenjumea2694]

Can’t wait for Graham’s episode!!! 💙

[@edwind8440]

Great job budyy. truly inspiring

[@Education-Edge]

Lifestyle inflation. Making more money means you can keep up with the Joneses and purchase shiny new toys and HUGE houses to impress others. For real though, over $1000 a month in car payments? That’s insane! 😱

[@florent2467]

With my wife we make about $280K as well and we live on $3500 to $4000 per month in Boston. We don’t feel like We are missing out on anything. I honestly don’t know how to spend like $13000/month. Seems crazy to me. I have everything I need, live in a nice appartment and park my Kio Rio in the street. I bought my macbook air with 20% discount back in 2014 and I’ll keep it till he dies.

[@shurnbrendt7581]

florent B It’s unfortunate how those who are “obviously” wealthy are only the ones who flaunt it. It’s always a nice surprise to find out that someone has the means to live a rich lifestyle doesn’t. It takes a certain amount of humility I think, and too many people pursue wealth as a means to appear “better” than their peers. Do you mind me asking what you do for a living?

[@florent2467]

Shane Brandt My wife and I are both engineers. Yes people care way too much about what other people think about them...

[@kristinrodriguezrealtordmv3434]

It's only a fraction of his net worth. His rental properties essentially can cover his car note.

[@CivilZoology]

Audrey, the cat, was easily the best part of this video.

[@timetorelax8807]

That hammock mishap made the whole video better! Been there, done that!

[@jeremynicholson9795]

Wow he went to UTA! I’m attending now, class of 2021😬

[@OPP534]

Me too. I plan on transferring soon!

[@jayson008]

@@OPP534 transfer from where?

[@OPP534]

Jayson Bradley TCC

[@SeanLei]

Let’s see millennial money where the people featured make average incomes!

[@RobertoBlake]

Why?

[@204696900]

Roberto Blake cuz this video makes him feel bad

[@donsterr]

Roberto Blake Why not? they did it plenty times before

[@Ayush-lw8ut]

Nah, there's a reason it's called "Millennial Money."

[@SeanLei]

@@RobertoBlake It'd be interesting to see how people are managing their finances where you can relate!

[@chadernest4399]

He’s got a good head on his shoulders. He’s on the right track for continued success.

[@reconditionyourselffitness273]

Awesome video. Congrats!

[@454lin]

When you drink, you tend to make poor decisions 😱 no kidding 😂

[@reginald_]

why yall hating on him? relax.

[@reginald_]

@Dyler Turden for youtube likes in da comment section? nah bruh lol

[@financialfox8088]

Looking forward to Graham’s reaction to this one!

[@LivLivesLondon]

Well done Terrence. Keep up the good work :)

[@AFH2023]

Would love to see someone in like NYC that's in 1% and their day by day. Maybe like 2-5 million a year!

[@investingwithwilliamtherob2834]

Cash is king, especially when you need it because when it moves, it is usually for protection or to make big moves, hence why companies were building a war chest of cash by borrowing during the virus.

[@aliali-ce3yf]

exactly - this guy sounds good on paper but if there is a housing downturn or outright collapse - he's in trouble.

[@grantanderson8277]

No cash is not king. Cash is trash. Cash flow is king you mean. And debt is your friend if you know how to leverage. It’s the most sure fire way to live a life of true financial freedom. What’s the point of barely getting by with cash savings

[@investingwithwilliamtherob2834]

@@grantanderson8277 You know cash flow can slow right, then that debt you got to get that cash flow will crash down are you. This guy has no savings, just cash flow, that is a disaster waiting to happen. Just ask Hertz.

[@marinstrong4067]

That MTV Cribs slow fridge open shot tho 😂

[@JonesJr876]

The hammock touch was nice 😀

[@aurorarising1945]

Pls make one for a physician doing their residency!!! I am worried about debt and how I would pay it off and how I can live after graduating.

[@aliali-ce3yf]

go to a state school, pay off your debt as soon as you can, avoid lifestyle creep

[@sato88888888]

I wasn't thinking at all about investing etc. in residency. Don't worry--you'll make a killing as attending (unless you're peds or something)

[@kalebzaun4537]

Who else waiting on graham to react to this video

[@BrandonToy1]

🙋🏻‍♂️

[@Jam5bam]

Aw his the cutest I hope he finds someone great ♥️

[@rafi0A]

loved this video

[@kayw1771]

Ok Grahm, chop chop! We want a reaction video no later than tonight.

[@patrickgriffin8628]

This is a super cool guy, he's done a lot of appraisals for the community I work in. Super nice and knowledgeable!

[@amasarpong5835]

He exudes such humility, seems like a very nice guy

[@vivieni7920]

He is such a hard worker- love it

[@jaemane1]

I’m going to be on Millennial Money one day soon.

[@kimnwaneri]

Same here, speak it into existence 🙌🏾

[@r3remesus336]

Jalen speak it into existence

[@ziwer1]

Relax, they'll get to you. They are not doing $1M/yr just jet.

[@dchawk81]

Next video: how Ben Roethlisberger manages to get by.

[@NaturallyNerdeeNicol]

😂😂😂😂

[@aliali-ce3yf]

..........avoid assault charges?

[@nikumallick4811]

probably the best millenial money episode ever!

[@nyaradhiambo]

Doing good 🤩. I love seeing young people making it 👌