Living On $39K A Year In Oklahoma | Millennial Money

Chance Wimberley, 32, lives in Colbert, Oklahoma, and earns $39,000 a year as a child support case specialist for the state of Oklahoma. The 32-year-old accrued roughly $13,000 in credit card debt after he graduated high school. He still has around $4,500 left to pay off, including $3,400 he consolidated into a personal loan at a lower interest rate. On top of that, he has around $22,000 in federal student loan debt left from undergrad.
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 about Chance's budget breakdown here: cnb.cx/2HpBJD9
Chance Wimberley admits he’s made his fair share of financial mistakes over the years.
“I applied for as many credit cards as I possibly could, and I basically allowed myself to drown under the debt,” Wimberley says. “My credit was ruined for seven years because I had no plan to get out of that debt.”
Around 2013, Wimberley says he had an “ah-ha” moment about his finances when he was shopping for his first car.
“One day, I woke up and I felt miserable,” he says “The debt just created more anxiety for me.”
Since then, Wimberley’s made a point to prioritize saving money. Today, he earns $39,000 a year as a child support case specialist for the state of Oklahoma, a job with responsibilities similar to a paralegal. He lives with his parents in the small town of Colbert, in the house in which he grew up.
In the past few years, he’s managed to put away $35,000 in a savings account and $15,000 in his 401(k), despite never earning more than $40,000 a year. He’s steadily decreasing his debts and plans to completely pay off his credit card balance, personal loan and car note, all of which totals around $22,000, by December.
There are lessons for everyone in his financial journey, he says. A big one: Understand how debt, including credit cards and student loans, work. Don’t just sign whatever document a financial institution offers you; take the time to do your research.
“I looked at debt like it was nothing, I could just pay it off,” he says. “But in the past few years, I realized that debt drags people down.”
A second lesson: Don’t be afraid to make changes and go after what you want. Wimberley has wanted to be a nurse since his early 20s, but in college he didn’t think he’d be able to handle the coursework. Instead of pursuing his passion, he played it safe and studied history and political science at Southeastern Oklahoma State University. His student loan payments, currently deferred because of Covid-19, are monthly reminders of a path not taken. “I didn’t want to challenge myself because I was scared,” he says.
That’s all changing soon. In January, Wimberley’s going back to school to get his master’s degree and become a nurse practitioner. It’s a big life change, but after overcoming a health scare and doing the work to build up his confidence over the past few years, he’s ready to take on the challenge.
“When the pandemic hit, it made me realize that life is too short and I need to pursue my dreams while I still have the chance,” he says.
Wimberley says he is sometimes “embarrassed” to still live with his parents. But given his monthly income, he sees it as a choice between “ramen noodles and an apartment” or living more comfortably at home.
For him, it was an easy decision. He contributes $100 per month toward his parents’ mortgage and handles his groceries and some of the home’s maintenance costs.
He’s close with his parents, especially his mother. The family didn’t have a lot of money when Wimberley was growing up. His mother lost her job when he was in kindergarten, and his father is a disabled veteran with dementia. Some months, the family of four lived on less than $700. But as a child, none of that bothered him.
“For a lot of people, money is of the utmost importance. But as a kid, all I remember is my sister and I enjoying our life, and my mom and my dad giving me the love that any parent should give,” he says. “Regardless of how much money we had or didn’t have, I knew they would love me for the rest of my life.”
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Living On $39,000 A Year In Oklahoma | Millennial Money

[@CNBCMakeIt]

What’s your budget breakdown? We’re looking for stories from all ages, not just millennials! Share your story with us for a chance to be featured in a future installment of Millennial Money: cnb.cx/32TYZ2K

[@devin7876]

23 y/o MBA student, working part time. Living comfortably off of less than $20k a year

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[@matthewtaylor8863]

My wife and I make about $60,000 yearly and live off about a third of that in Logan, UT.

[@royroy4481]

I lived at home until I was 29! NO shame in that bro! Hate us cause they ain't us lol! Anyway, here's my breakdown: Wife and I are 32 and welcomed our daughter 2 months ago. Annual pretax: $145k Mortgage principal: 181k 15 yr conventional/2.33% interest Monthly total burn rate: 4500 (Includes 15% 401k/403b contributions from both of us and 12k annual roth ira contribution broken down) Monthly savings: 3000 (goes into high yield online savings account) Emergency fund: 25k (in the high yield account for liquidity) Plan: start a 529 or esa to fund baby's college; pay off house in 10 years (or less!); both of us only work part time by age 52 for insurance. Were comfortable currently but having this wonderful daughter will change the budget some. What do you guys think? Thumbs up if well be ok, or comment to guide us to the right direction!

[@ToddBaldwin]

Hey brother don't feel embarrassed about living at home. You're being a good son by taking care of your parents with their delicate health conditions.

[@aomer20]

Agreed! You are a good son with a good heart!

[@da8wonder]

And in other cultures this is perfectly fine. Regardless you are an amazing person staying back with elder parents. God bless you.

[@asadb1990]

if your parents treat you like an adult and respect your space, then yeah by all means live at home. but me personally have such toxicity that they want me to give them all my money and live destitute. and no personal space. so yeah i can't stay with them.

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I agree that's a plus not a minus..👍

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[@Je.rone_]

Taking care of elder is a noble reason to live with them

[@Je.rone_]

@Daksh Jhamb I've heard that,

[@nehneh0073]

African people as well

[@nehneh0073]

Better than throw your parent in a home for elder

[@eliannylantigua4464]

Here in Dominican Republic too

[@keirangreen7004]

I think Americans should start doing that to decrease expenses

[@adebisiakinyemi7833]

How living at home is perceived depends on culture. In some cultures, you don't leave your parents' until you get married.

[@Lillysammy126]

And in some, families can live with parents and grandparents all in one house to take care of the family.

[@preciousxo]

exactly!

[@jesandybolano774]

@NurturingTalents not really, a lot of people marry in their late 20s early 30's

[@adebisiakinyemi7833]

@NurturingTalents Not neccesarily. At least in Nigeria, where I was born.

[@Toastyhere681]

True, in my culture, we have multi-generational families. Leaving your parents alone in their oldage is seen as a bad thing.

[@o_o825]

Now this is a more realistic American story.

[@alisonnorcross951]

He is doing well. But I would say don't go to LA.

[@teambennett-wells962]

a lot more realistic for a many millineals. People say milleneals are moochers and lazy, when most times its because they are taking care of relatives and/or have not been taught about money or havent been given money from thier parents to start life

[@ajsuflena156]

@@jlim003 you've worded it perfectly

[@maryb3428]

Yes!! Very true

[@eboni257]

Yup!👍🏿

[@l3zfrancais]

I hate that Americans have such shame for living with parents? It's a shame that it's even an issue.

[@Dr_Salt]

Its an issue because the big oligarchs place in your head the idea that living with your parents is wrong because they want you to keep consuming.

[@Ndasuunye]

Its usually only shame on the men. Its acceptable for the women

[@wesleygaitan]

@Night Runner that's false, for American and asian women they actually expect a man to have his own place and great wealth. IF you live with your parents you have no chance with women here or from china

[@siqueira797]

Because it is much easier to get your own home.

[@TheTruthFadeswithTime28]

It’s really hard to date if you live at home still.

[@marvinbrown1717]

I respect Chance for being so vulnerable and speaking about supporting family through a financial crisis due to addictions. As always, I appreciate CNBC Make It!

[@cocot9414]

I thought the same thing.

[@AllThingsKwan]

Agreed!

[@fsoto2900]

Lame.. one should never let anyone know their weaknesses.. nor should men say their mothers are their rocks….. betamale!!

[@ccccccchhhhhh808]

If he sees this or anyone knows him, tell him to look into the Nurse Corps! It looks like he lives in a rural area, and would probably qualify income wise. They pay for school and give you a stipend for expenses. Good luck!

[@hlevin7419]

Omg you are sooo right, that’s a great idea, although didn’t he say he wanted to move soon.

[@ccccccchhhhhh808]

​@@hlevin7419 True, but you don't need to necessarily work in a rural area, just an underserved area. So he could move to an urban area like LA but work in an area thats underserved after graduation. Considering he wants to do preventitive medicine, shouldn't be too hard for him to get a position to do so.

[@hlevin7419]

@@ccccccchhhhhh808 👍 are you a Virgo by chance btw?

[@annaseahorn2807]

His current pay is almost the same as nurses pay in the area. Speaking from experience.

[@francisfree5242]

@ anna seahorn Bs Anna, maybe a CNA or an LPN but an RN makes over 55k in the Midwest and south and only goes up from there speaking from real experience.

[@_faye__]

Chance seems like a lovely person. Nothing embarrassing about living at home to take care of your family.

[@kelvinsparky3745]

I just love the sincerity of this video, there's something special when someone chooses to be vulnerable, it makes them so relatable. And that's what I love about this great guy.I genuinely wish him all the best

[@ajsuflena156]

seriously wishing him all the best hes so genuine his story 3 minutes in made me emotional i really hope he pursues his dreams of becoming a nurse

[@alexxxhes]

@@ajsuflena156 agreed!! Wishing you the best Chance!

[@maya8935]

You shouldn't feel embarrassed that your still living at home.

[@cerealis_5432]

@@MrAmanze I don’t think you know what the word congruent means. And it’s not like he’s living in his parents basement playing video games all day with no job. The fact that he’s taking care of his elder parent shows his kind nature. He seems like a very loving caring person that anyone would be lucky to have as a partner. Get off your freaking high horse 🙄

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[@katherinesproat1081]

That's not what we were told

[@CeeJayLive]

Absolutely love this. Hopefully he gets his nursing degree as planned

[@jeangilbert6238]

Antezhackworld.com helped me pay off my debt

[@haute03]

Me too. We need more nurses and he seems like a very smart, capable, and kind person. The perfect nursing candidate.

[@IamKatrinaT]

This is the most relatable to my circumstance. I'm appreciative that they finally covered someone in their 30s making a modest salary.

[@FinancialShinanigan]

Nothing wrong with living with your parents as long as you contribute and don't just leech off of them

[@stephane1623]

Honestly it's a conservative talking point to me and how this party try to denigrate millennials.

[@majoroldladyakamom6948]

Right!, lol. Did you miss the part that he's only paying $100 per month for rent, eating out, in his 30s, drives a nice car, has little direction. Renting a room at a nice house? Split the costs 3 ways. Mom, dad and him. $2,100 per month total expenses ÷ 3 people (toilet paper, paper towels, toothpaste, laundry soap, the utilities, gas/oil mixture for the lawn mower and string trimmers, pesticides for the house/yard, depreciation on the new roof due in a few years, lightbulbs, carpets and linoleum/hard-wood floor cleaning and maintenance and products, shampoo electricity and materials to clean the sofa and loveseat once a year, Windex and a new squeegee to clean the windows inside and out a few times per year, cleaning his car at mom and dad's house - their electric bill to run the vacuums and the liquid soap and water (bill)... and the list goes on. Does he help rake the leaves year around? Clean the gutters? Help organize and sweep/clean out the garage? Sweep up the driveway or sidewalk to help him earn his keep? Fix 1/3 of the meals every day? 3 people x 7 meals a week? 21 meals. He owes them 7 meals (that HE bought AND cooked) per week. Oh wait, there's more. It costs money to fire up the stove, wash the dishes, by hand or in the dishwasher. It costs money to wash the shower and towels, or dish towels, to wash the sheets and pillow cases, the clothes. All for $100 per month? He's not earning his keep in any way, shape or form. Ugh! 👎👎👊👎👎

[@goldenxdiva6562]

@@majoroldladyakamom6948 well the video, and the whole “millennial money” franchise solely focuses on how millennials spend their money and manage their expenses. Cleaning around the house, raking leaves, and clearing out the garage would not be included in his financial breakdown since it doesn’t cost him money to do so. He says he helps his mom take care of his sick father, so with that in mind, I’m assuming he does a lot of manual labor at home.

[@bethanywashington1243]

The house probably paid off though or about paid off. He had grew up poor but at some point things got better and they was doing well enough to get a house. Plus all that time he spends taking care of them is well worth having him there.

[@asadb1990]

he looks like he's being taken advantage of by his parents mooching off him in exchange for rent.

[@famousamos]

Chance, don’t worry! Family is all we’ve got and in Asia, most offspring live with their parents well into their 30s and early 40s.

[@ekananda9591]

Maybe that's just in China. I don't know that other asian countries do that

[@Myview246]

@@ekananda9591 India and Pakistan definitely do it as well. I say this as a Pakistani.

[@baligirl5472]

@@ekananda9591 Indonesian mostly as well..

[@blacklyfe5543]

That's embarrassing

[@daneshag9690]

I really enjoyed this one, out of all the Living On videos, Chance's story resonated the most with me. There are so many millennials that either live at home or are taking care/supporting their parent(s) and I wish we could see those stories as well on this. Helps us feel a little less alone. And I suspect during and after this pandemic a lot more of us will be in that situation.

[@jeangilbert6238]

Antezhackworld.com are the best when you have financial issues

[@plantiron]

But 32 and still living at home though? Why yall trying to cut this loser some slack?

[@ashaAA571]

Exactly this is very common now

[@dennychantelle7677]

He has such a positive attitude and I love that he has all these dreams which I’m sure he’ll accomplish. And kudos to him on his savings! That’s definitely my weak area...

[@thevpq]

So glad these videos are starting to explore the broader experiences of living in America instead of just major metros. Kudos!

[@ligiabonfanti3493]

Yep, not all millennials are art majors at nyu who live in Brooklyn and spent their money on lattes and organic groceries.

[@Lillysammy126]

@@ligiabonfanti3493 agreed! I blow my money on bubble tea. Sorry... I just had to say that. 😬

[@haute03]

Agreed!

[@thesinglemomsummit2618]

Don’t feel bad that you live at home! My parents are aging as well and right now I’m looking for a house. I’m intentionally looking for housed with more bedrooms than I currently need for me and my kids in the event that I need to take care of my parents. What your doing is noble and you will be blessed for doing it.

[@msbelle6289]

Likewise!

[@isabelchaparro2608]

That’s what we did. My husband and I do not have children but we bought a bigger home for my mom.

[@JoshIsOnAMission]

I am 31 and moved back to live with my parents. Just remember it won't be forever, and to cherish your time with them. I can see my parents ageing and don't take that for granted. You're where you're supposed to be.

[@haythere5805]

thanks good finally normal people on the show

[@jhern083]

Once he gets his RN, he's gonna be doing great since he's so disciplined right now.

[@chancejones8689]

Omg. My name is Chance and I live in Oklahoma too. I also was a Page for 4 years. 2 years with a State Representative, 1 year with a State Senator, and 1 year with the Governor. Such a small world.

[@chancejones8689]

@NurturingTalents Yes

[@therealdavidleong]

What are the Chances?!

[@themattrixrevolution]

I want in... on how to become president... if trump can be president I'm pretty sure I can.. 🤣

[@TinaLeder]

*Don't feel embarrassed for living at home to help your parents out, that's a noble thing to do IMO.* 💥

[@marksophia7186]

Most times you take decision because your aren't living to impress anyone.

[@marksophia7186]

There's no regrets in decision making mostly when it has to deal with money and investments.

[@robertemily1645]

@@marksophia7186 You're very right.

[@robertemily1645]

@@marksophia7186 I was discouraged about getting involved in forex trading 11 months ago. Now I gat no regrets because I have a stable income more than most government workers.

[@birgitkelle7201]

@@robertemily1645 so I heard that Forex trading is very profitable and reliable.

[@birgitkelle7201]

But I have this doubt because some people said they have lost a lot on forex trading too.

[@katv3116]

There's no shame living at home in your 30s, its common in other countries :) i think its fine as long as you're supporting your family and being financially responsible 😊

[@user-jy7yw5kw3w]

It's common in other countries because the government steals half of their money via taxes and they can't afford homes. Don't wish that on America. Trump 2020

[@xeero24]

@Novak D What a stupid comment.

[@oncetwice2195]

Jason Griffith have you been to other countries lol

[@user-jy7yw5kw3w]

@@oncetwice2195 yes most of Europe lives in apartments or "flats".

[@oncetwice2195]

Jason Griffith it’s because Europeans are skinnier so they don’t need half an acre kitchen ;)

[@skybluegirl878]

Ok, but his home is beautiful?! Those built-ins and the furniture? Also, best wishes on your future endeavors! You will make a lovely nurse!

[@hibsm4474]

Me too is that there home?

[@bnicogee4976]

You guys, that's a regular home in Oklahoma lol! Cheap and beautiful is the name of the game here.

[@kimberlyhignite5240]

It's actually his sister's home and yes, she is an absolutely amazing decorator with thrift store finds. I wish I had her eye!

[@dextersmithbsee]

Amen!

[@raxanacastillo8212]

Why embarrassed in the latino community multiple generations live together. This way common now in days and there is nothing wrong.

[@13Grneyez]

Yeah we might live together but we give more than $100 for rent🙄 we hustle we take them to see their DR’s we cook we clean for them. The only one benefiting from this situation is him.

[@vegasgirl3538]

I don't disagree, but 100/mo for rent is pretty lame. That doesn't even make a dent in terms of the upkeep of the house. He should be paying at least 500 or 600.

[@JadeTrading]

It's sweet that he's still living with his parents caring about their health.

[@shanesefrancis8680]

I would love to have him as a nurse. He seems so calm and I find it very sweet hes at home with his parents. His connection/dedication to lis linage is really admirable.

[@Kevindevin7]

I love this guy! He is so wholesome and genuine. I feel like he has so much untapped potential waiting for him in the nursing program. Love his loyalty to family and being able to help his parents. Good stuff sir!

[@felipeferreira5206]

My wife is a NP as of last year! Huge game changer. Wishing you all the best! You got this

[@nandalimamelo]

I hope a nursing school sees what a great, enthusiastic and diverse talent they would bring in and give him a full scholarship.

[@emiliabolsas]

He will make a phenomenal nurse! Such a calming presence.

[@lilyt2048]

He is a member of a native Indian tribe and they do get free college, so he will be ok. He sounds very smart and knows what he is doing and he will be greater in a few years.

[@emiliabolsas]

@@lilyt2048 this is only in certain states and only for those attending school in that state.

[@lilyt2048]

@@emiliabolsas He is from Oklahoma, University of Oklahoma waived the tuition if u have 25% and registered member of a tribe which he is. University of Oklahoma is known to be good for Medical degrees.

[@emiliabolsas]

@@lilyt2048 if i recall correctly, didn’t he say he wants to move to California?

[@siowjianru]

This is definitely Mitchel after divorcing Cam 😆😆

[@MELmodelesque]

😂😂

[@jaayaustin336]

Na he would have just taken Jay's money😂

[@christianu5440]

Smart guy, but he needs to pay off his debt ASAP instead of sitting on a ton of money in his savings

[@justliving2601]

I would have to disagree with you

[@tylerlin8259]

@@justliving2601 he has more money in his savings compared to his 401k even. By putting all that money in his savings, he is losing money to inflation each year.....

[@christianu5440]

@@tylerlin8259 even worse, he is losing money to inflation and interest from debt. 2% inflation + say 5% interest or worse = 7%+ and no savings account will get you 7%, especially with interest rates being this low.

[@baxakk7374]

@@christianu5440 Plus he's losing on the money he could get by investing them into index funds.

[@christianu5440]

@@baxakk7374 most likely he would be saving more money by paying off the debt vs investing, but yeah. Even putting some of the money in the market would be better than keeping it in a savings account.

[@esha48911]

“You never know when you will need it so you might as well save it”.... I love it 🥰

[@jonathans8892]

really unfortunate what debt his dad caused he seems really nice

[@kristinwebb7641]

His dad is a super good person, most of his problems he couldnt help. Don’t judge someone based on what you’ve heard from a news show. Instead judge on the story they tell you.

[@hoperhoads4653]

His Dad is actually a disabled veteran and has curbed his addiction to gambling! He does a lot for having Alzheimer’s!

[@sharonchen3706]

This is an interesting episode. Thank you for sharing!

[@lynsey.alexandra]

I have so much respect for Chance.

[@Natalia20x]

@Harshit Kapoor is 50 dollar enough?

[@enrickbui6141]

He's a good man

[@infini.tesimo]

I'd like to see this man get a side hustle flipping items or start learning a high income skill to move up in the world. He's done a great thing for the sake of his family and deserves to make more now.

[@infini.tesimo]

@Will Jacobs what?

[@heypiggy]

No shame with living with parents. He’s still contributing so I see nothing to be shameful of

[@back2the80s]

Contributes a lousy 100 per month? How does that help his parents?

[@nay5092013]

This may be my favorite episode of Millennial Money. So relatable :)

[@WinenChill]

It's really admirable that he is living at home to help his parents. That type of caring spirit will serve him well in nursing 😊

[@merriem24]

This is the closest to my situation that I’ve seen on here as far as Income. Good to see some middle America representation. #tulsa

[@Tameker6]

There's nothing wrong with living at home with your parents as long as you have a job, are going to school, paying off debt, and/or just doing something to set yourself up for the future. There is a difference of just living with your parents and choosing not to do anything but mooch off of them. I think we have all seen a few Dr. Phil episodes with millennials that didn't want to do basic things for themselves

[@theDanDeleon]

$35,000 in Savings and $22,000 in debt??? Dave Ramsey is clinching his fists right now. Also, where are you Graham?!?!?!? Loll

[@Martlns]

Nothing wrong with wanting to have that security. I understand him.

[@objective_evaluation]

@Shadowstrike clearing that debt is a gut punch, but 3 months after he does it ,there will be no longer doubts...and a new debt free existance.

[@brittanyb5942]

I make $28k per year and have $40k in debt so he's doing pretty good compared to me ☹️

[@Oceano1978]

He stated his reasons, he is scared . He needs that cushion and he never stated he is on the Dave Ramsey plan , he is on his own plan. I hope he is successful in nursing school that is awesome going back for a new career

[@theDanDeleon]

@Shadowstrike exactly, so he needs to pay off that $22k debt with the #35k and he'll have $13k left to start an emergency fund. I think we can all agree having $22k debt is a bad idea.

[@abbyoneill4473]

It’s far more embarrassing to move out of the family home by choice when you don’t have the income to do so and are living beyond your means just to look “cool” or be like others your age. Plus you’re doing the right thing being there for your parents. Much respect!!

[@nadriguez]

This is my favorite episode by far. He seems really nice and honest. I'm rooting for you Chance!

[@pechebeauty7459]

Nothing wrong living with your family/parents. Especially if one parents health is not 100% or is getting older.

[@Ben1998Jamin]

His mind is so beautiful ! Never take anything for granted 🙏🏻

[@joeyhyland]

Chance has a heart of gold. I wish him the best.

[@romeostarlite21]

Such a humble guy, wish him all the best.

[@Teannaschannel]

I WISH I could still live at home! Take advantage of the rent cut as long as you possibly can!! And good luck with your next career!

[@rheathakker1415]

In Asian countries it's very common for sons to live and support their parents, and then their kids will take care of them. Nothing wrong.

[@jorgemorel3618]

You keep rocking! You're doing fine and i know that you'll get your goals done.

[@dianerivera3222]

35K in savings and has debt? He should pay off his debt. It's costing him more than he's making in interest.

[@swicheroo1]

No it's not. It's a Federally subsidized loan. It's super low interest. And loans that undergo deferral for grad school do not accrue any interest. I know: I did a doctorate. And the loan of 10K I had from undergrad did not get any bigger while I got that doctorate. When I got out, though, 10K was worth way less.

[@daviddeutscher1267]

Can't wait for Graham to review this video!

[@lz9672]

Graham: Gosh. Loan. No way!

[@deejaemma9021]

Thank you so much for this relatable video!

[@bahasad]

Keep on powering through brotha! Great video.

[@JeanDagobert]

Don’t try to keep up with the Jones and move out your parent home if you not ready....don’t feel embarrassed bro 😎

[@kathrynhoke4830]

I really like this guy, but if he has $35,000 in savings, couldn’t he pay off his $22,000 in debt right now?

[@UchihaItachi-zr3vs]

Bc the government has paused the debt payment until Jan 2021, and prob due to the pandemic shock he could extend the payment period longer. Repaying the debt right now isn’t his priority and also not wise, he could use that money to do more other stuff like investing even tho he is afraid to do so in the video, and also save for his nursing school, payoff the car loan very important as a daily transportation.

[@UchihaItachi-zr3vs]

This is what we called opportunity cost

[@learntostrafe]

Sometimes it's best to not pay the debt even if you have the money. Depending on the interest rate, he is better off just maybe investing the money.

[@onsetaugust]

@@UchihaItachi-zr3vs his hoarding is a psychological crutch he'll need to learn to overcome. For that reason, it's better for him to address this now. Debt free and more psychologically fit to take on risk. He is not going to invest anyway, so opportunity cost is moot. He's a hoarder.

[@KyleHong]

@@onsetaugust He probably wants a nice rainy day fund and it sounds like he's uncertain about the economy as well. I mean it makes sense. Especially during this point in time, you don't know if you can keep your job or not. Having said that, I do agree that he really needs to pay to off that debt, especially his personal loans. I'm sure the interest rate on those is much higher than his school loans.

[@kenderay99w.60]

These is nothing wrong with living with your parents. It’s such a blessing to be able to have family to lean on.

[@kahlil9925]

Good luck with everything Chance! Loved hearing your story.

[@bachibouzoul]

He should save less, pay off debt faster and drive a much cheaper car.

[@justinfay3011]

Agreed. That car new was more than his take home pay for a year. Awful ratio.

[@xdtony650]

that’s what graham said 😂😂 I 100% agree. Besides that, he’s doing good

[@jessicacole8404]

Driving a cheaper car can often lead to tons of repairs, And if you aren't mechanically inclined, or it makes you miss work or school, it's not a money saver

[@bachibouzoul]

@@jessicacole8404 can't be worse than paying interests on a brand new car that loses most of its value within a couple of years. You can find a reliable used car

[@alezandradavila2581]

Love all good brother !!!! Good job on helping ur parents when they need u

[@whimsyash]

This has been my favorite so far 🥺 he’s so gentle natured

[@chrishewittpiano]

Chance seems like a totally awesome guy! He's helpful to his parents, he wants to help people and improve their lives in his occupation, and he seems genuinely sweet and kind-hearted! I hope that he reaches all of his goals and dreams and beyond!

[@ViviFriend]

He seems like such a sweetheart.

[@angbar7470]

so wholesome.

[@avitony35]

This guy is on the road to success ! Good job, well done and keep going - the sky is the limit for you

[@zendannyy]

I liked this episode. Never feel embarrassed for helping out your folks, keep it up!

[@ihatelilwayne313]

We need more of these with people making average salaries!

[@brianparent4882]

Family is obviously important to him. Shame that he can’t feel comfortable to be as he is wherever he is in this country

[@VerStarr]

Good on this guy for wanting to go back to school! Good luck on your new endeavor man! Truly Millennial Money 🙌

[@natalieconway6306]

i’m so glad you’ve gained confidence to follow your dreams!

[@grahamzickefoose8524]

I’m glad this channel is showing millennials outside of the largest metro areas in the US. Not all of us live one of the top 20 largest cities in the country!

[@nightingaleofficial3604]

His parents are so lucky, almost undeserving to have such a kid.

[@cauthoncrazy]

What a kind, honest and relatable guy! I am wishing you all the best Chance!

[@jzplayinggame]

This is a portrait of a person in America who is kind, good hearted, decent with money, and is absolutely getting crushed by the weight debt and the system of economy in America. The man is trying to take care of his loved ones, go into debt to be a nurse so he can SAVE PEOPLE'S LIVES, and is barely staying afloat from a financial perspective.

[@JamoSimcity47]

I always thought paralegals make more money with how important their job is. Like around 60-70k a years.

[@tracy_cakkes]

Yeah I thought so too 🧐

[@KyleHong]

Really depends on your location.

[@eagillum]

He said he's "unofficially a paralegal."

[@MambaMental1ty24]

Before or after taxes

[@CottageLayout]

Prolly makes less since he doesn’t have a paralegal degree, works as one unofficially, and prolly works for a smaller firm in a small town

[@korrabel]

Hi Chance! I love your story! I'm glad you want to pursue your dreams. I'm very sure that you can get scholarships to help fund or your college tuition or even get a full ride, especially since you are native american!! Simultaneously, you can also start a GoFundMe. I would happily donate 🙂 Best of luck to you, sir!& thank you for sharing your story and your message!

[@jamieyork8057]

@Harshit Kapoor why not reach to Mr Peter schiff and invest

[@jamieyork8057]

I began investing on crypto’s this year with Mr Peter schiff I tried an initial input of $1500 and got a whole lotta profit of $5400 in just a trade frame of 24 hours

[@jamieyork8057]

[phone]

[@jamieyork8057]

@Harshit Kapoor why not contact me Peter schiff firstly then once you’re ready he can help you an trade and get huge profits in

[@jennivato7005]

love it!!! hope it all works out!! you got this!!

[@NonchalanceInvasion]

Wow, this was so wholesome. Loved this!

[@shakespear7675]

I would 100% live with my parents if my job wasn’t like 3 hours away. You save so much money and you get to be near family... what else is there lol

[@temeka4288]

He is not doing anything with his money. He literally gets to live rent free somewhere and he has yet to start even paying down debt? He is talking about vacations.

[@kashifshehzad2328]

Great job man. You are doing great. Rise and shine. Best of luck.

[@miatarraf3414]

Chance is such a lovely person who is doing the right thing for his particular situation. One of my favourite episodes so far. Good luck with everything!

[@averysmith9820]

Here king you dropped this 👑

[@bubz4196]

this dude sounds like an amazing person

[@JuanTh3Great]

Thank you for sharing your story with us Chance!

[@DavidPat]

This is the most interesting one so far. Thank you for finding this really unique story.

[@opescorin]

He seems like a good person. If he moves to Cali, he will find more joy in his life by being around other people with similar views.

[@Pcarnevaaa]

If he could afford it

[@hunnerdayEDT]

@@Pcarnevaaa agreed. He may be better off in Atlanta, Austin, Tampa, New Orleans, or Portland.

[@derekandlindsey-millionair9562]

Giving up making more money to help elderly parents is very noble. Said to hear about the gambling addiction, heart goes out to the family.

[@30flirtyandfinance]

I love this episode! I love that you are so real and honest. Best of luck in nursing school!

[@williesullivan3985]

This guy is so inspirational! Such a positive attitude and great dreams. I hope everything works out for him!

[@s.e.f8160]

39k is seen as a nice paying job in Arkansas.

[@KyleHong]

Whoa really? How much is a typical house in Arkansas?

[@s.e.f8160]

@@KyleHong an average mortage payment for an average house is about $1,000/month. Average rent for a 2 bed apartment is about the same $800-$1000

[@KyleHong]

@@s.e.f8160 0-0; Thanks for letting me know. I live in the bay area and I'm renting out a room with a roommate for $1500. The room is around 10x10 - 12x12. That is considered really cheap. lol. The cheapest 1 br apartment I've seen around the bay area is in the upper 1700. I rarely see apartments around that price range. It's almost like finding a needle in a haystack. On average, it's over 2k a month.

[@s.e.f8160]

@@KyleHong yes ...BUT..... you might want to Google and compare the average cost of living , wages, salaries, upward career mobility, job availability, access to health care, property values, allotment of state and federal taxes, education, national test scores, teen pregnancy, amount of people on food stamps, Medicaid, WIC, rate of diseases of despair, etc. You will quickly see... one of these places is not like the other ..... the cost of living and wages among many other things must all be factored in not just a dollar amount that seems similar. Too many other things factor and influence

[@KyleHong]

@@s.e.f8160 Agreed. I was just strictly thinking about it in terms of apartment cost. xD

[@intelligentglamm1406]

This was the best one yet! Very relatable. I like Chance! Don’t move to LA!

[@samiamor3955]

Why? It’s great here if you have a good paying job.

[@WynnBeauty]

So awesome to see someone from my state being featured!

[@banksyyyyy]

He seems so genuine and caring about other people! Loved hearing his story. Excited for him and his future as a kickass LA nurse!