Living On $65K A Year Working Three Jobs In Houston, TX

Shonnita Leslie's side-hustle as a DoorDash driver helped her pay down around $20,000 of her six-figure student loan debt. Here's how she spends her money.
This is an installment of CNBC Make It's Millennial Money series, which profiles people across the globe and details how they earn, spend and save their money.
Produced by: Tasia Jensen
Managing Producer: Beatriz Bajuelos
Camera: Corentin Soibinet
Editor: Dennis Donovan
Animator: Elham Ataeiazar
Reporter: Cheyenne DeVon
Subscribe to CNBC Make It: cnb.cx/2kxl2rf
Want to make extra money outside of your day job? Take CNBC’s new online course How to Earn Passive Income Online to learn about common passive income streams. Register today and save 50% with discount code EARLYBIRD: cnb.cx/3Is19fx
About CNBC Make It: CNBC Make It is a new section of CNBC dedicated to making you smarter about managing your business, career, and money.
Connect with CNBC Make It Online
Get the latest updates: www.cnbc.com/make-it
Find CNBC Make It on Facebook: cnb.cx/LikeCNBCMakeIt
Find CNBC Make It on Twitter: cnb.cx/FollowCNBCMakeIt
Find CNBC Make It on Instagram: bit.ly/InstagramCNBCMakeIt
#CNBC
#CNBCMakeIt
#MillennialMoney
Living On $65K A Year Working Three Jobs In Houston, TX

[@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​

[@gladyw7037]

Great story! Very relatable and you couldnt have chosen a better person. She's doing what she needs to do on limited income, despite being highly educated. She's a great example

[@SparkAStory2024]

The irony of not making enough money to pay off student loans while working for a university.

[@aj83009]

This

[@gordonallen9095]

Ironic.

[@02nupe]

Real life

[@nunyadambusiness3530]

@@02nupe no, just america.

[@todd2324]

True, and unless you're a coach, professor, or administrator, most university positions don't pay much.

[@NoirInColor]

Thank you CNBC Make It team for the opportunity to share my story. You all were wonderful to work with!! 😊

[@temple4303]

I'm so proud of you my friend! Glad I was able to support you this day and the CNBC Make It team are truly awesome. Its only up from here my love and I'm here for it❤

[@destinyschild5768]

I loved your story and very relatable!

[@thatsthatPRChick]

Hey lady! $65K in HTown is not enough, you should not have to work 3 jobs at all! I'm a brand partner with TEAL, let's chat!!!

[@NoirInColor]

@@temple4303 Thank you. ☺

[@NoirInColor]

@@destinyschild5768 thank you ☺

[@luciannebeans6679]

Heartbreaking. She shines so brightly and deserves one steady job that meets all her needs and beyond. Don’t normalize this dystopian hellscape.

[@bluebay0]

Based.

[@gio.orbit5498]

ppl are not normalizing this, corporations are

[@Originalman144]

Or she could just get a husband. Lots of upwardly mobile men in Houston. There is no fulfillment in slaving away for some heartless corporation for 40 years

[@Chicago48]

She does make enough money, but she's making extra to pay off her loans.

[@TheMariemarie16]

​@@Originalman144Just " get a husband" lol yeah tell that to tens of thousands of single women in Houston looking for a good man. I know several very nice women that can't find anyone. I live in Houston and I have a husband but I always work 2 jobs. I make a bit more than this lady but I have a 6 month old and I'm still trying to pay off the hospital bills from having him plus my student loans plus my mortgage. That doesn't even include many other bills.

[@Zegeebwah]

This is exhausting. Life shouldn't be like this.

[@phenomenalfx7134]

Very soon, OUR Children are going to endure worst than what shes going through. Mark my words. Things will only get worst.

[@zelloguy]

Pretty easy to avoid loans if you go to community colleges and try to find cheaper local schools.

[@WaveRider1989]

I got a BS in Finance for 30k and landed job 40k and 7 years later it was 100k. Sometimes going to cheaper college is better.

[@mackeejack6731]

Says who lmao? You guys are so entitled I actually want to throw up

[@vaspim]

Late-Stage Capitalism working as intended.

[@natalyaa.henderson1595]

Sis, you have a degree and experience. We have to get your resume together and position you for higher paying roles. You deserve to live comfortably and reserve your time! And Black really don’t crack! You’re gorgeous!

[@dhenderson319]

Yeah I think she can definitely get a better job with an education bachelors degree and a masters degree. Plus she has years of experience. She never talked about why she isn’t making more today.

[@Darksecret_23]

Facts

[@ojames1983]

Everyone deserves what they earn, if it's deserved, she'd have it already. People say someone deserves something like it's free candy , it's not 🤣

[@really...8359]

@@ojames1983bro what are you talking about, this is simply untrue from an economic standpoint. i studied economics and we are not paid “what we deserve” hence why the hardest workers that serve the most value to the world (think firemen, teachers, public defenders, and healthcare) are all severely underpaid. teachers for example - are literally tasked with building the future of the world and are paid 40-50k to deal with all of that BS. . . i work in a career that provides no value to anyone but the ultrawealthy, and came out making 100k. i wouldn’t say i inherently “deserved” it.

[@ms.lex.lex.]

Right!!! I'm 40yo with a bachelor's degree. I live in Houston. I make $70k. She should be making $100k a year.

[@DiamondFlame45]

This shouldn’t be normalized. It seems like a sponsored ad for DoorDash. Honestly, I Recommend her leveraging skills to land a private sector role to get paid more. Company loyalty is dead based on the current climate we have. You make more money switching companies strategically

[@GlobalAdventurer]

I suggest she try the federal government for employment so she can get transferred anywhere around the country or even the world taking her medical/life insurance with her to practically any country. I hate to say this but it's reality because the "position title" you have has nothing to do with where you'll end up being and in what situation you'll be in when you retire. The best thing is to get a job with the federal government and invest in their plans. If the US government goes under that means every private business will too.

[@lour9348]

100%

[@marvinbrown1717]

I don't know if this is "normalize" as much as it is just someone's experience. I too have graduated with over 100K in student loans (for a masters degree). I am currently 3 years away from forgiveness. I, too, have also held 3 jobs after graduate school to make ends meet. I'm currently have two jobs, and I'm in a doctoral program. Some of us have to/choose to hustle.

[@WaveRider1989]

Exactly. I've done Doordarsh on a side during pendimenc but last 2 years the returns are trash, it's not even minimum wage.

[@alisonm3700]

They didn't even hide it, that is very tacky of you CNBC for bringing paid stories by advertising

[@osabhopeful]

Thank you CNBC for finally highlighting someone whose experiences reflects a LOT of millenials/genZ struggles! The other Make It profiles are of people making six figures and this is only a small fraction of young people.

[@rickyayy]

Most millennial people i know are close to six figures

[@kimbess7498]

Agreed.

[@MatthewOlagbenro]

@@rickyayythat’s mathematically impossible lol

[@katies2067]

@@MatthewOlagbenronot if they know a small amount of people

[@leilagilles7601]

🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣

[@MeMe-pg3ei]

Sis, I first off you are BEAUTIFUL. But this is egregious. And I'm actually mad for you. I see you being a Program Manager, Customer Success Manager, Learning & Development Specialist, or Implementation Specialist somewhere in Tech that can translate your love for teaching, just in a different space. There's also several Ed-Tech startups and Tech companies overall that will pay you what you're worth in those positions, like $100k+. And you DESERVE it!!!

[@travelvideoz]

You seem to glorify tech. The tech market is brutal and "managers" will be the first to go in a lay off time. Also, how do you manage people when you do not have any skills in tech? I am an MLE and even I cannot get a job right now, despite having experience. The idea that tech jobs pay you 100k plus is also not realistic. Outside of FAANG, many jobs pay between 65-99k.

[@meshap.8713]

⁠@@travelvideozI’m not sure what your background is but having worked in Tech I can tell you that it’s VERY possible to make 100k. And being a Customer Success Manager doesn’t mean you’re “managing” people and I would suggest looking up job descriptions and or career options mentioned outside of the experience or knowledge you have about the field. I know the Tech job market is brutal, but it’s still not impossible to build a career there and succeed. You might be devaluing yourself as well and not privy to what’s actually out there and possible. She has the experience as a Program Manager and could be a Project Manager, Product Manager, and a host of other options if she too could see the possibilities outside of focusing on just “passions” where she has to work 3 jobs to make that and only go with what she may only be aware of. Again, maybe it’s not working out for you but sis could be and should be making around 100k with her experience, and If not in Tech, there’s other fields where it’s VERY possible. You just gotta expand your horizons and open your mind. The problem isn’t that she’s solely making $65,000. It’s that it’s doing 3 jobs to get there when she shouldn’t have to AND has a Master’s degree. SHE’s QUALIFIED!!!

[@porthospatel1683]

You idiat, she does this because she wants to. Listen to her story!

[@missdesireindependance5194]

Tech does pay well but people are struggling to find work in tech. Education may not pay as well but it’s stable.

[@MeMe-pg3ei]

@@missdesireindependance5194 I get that it's a stable industry and one I've thought about as well.However, I don't even think it's so much the $65,000 with her living in Houston (which isn't bad) but her working 3 jobs in order to get there. If she was working 3 jobs and at 100k+, that's different. But I can't and will not wrap my mind around that being the only option IF her goal is to pay down debt and still sustain her lifestyle. She'd be better off making cuts in certain spending areas than burning herself to the ground. Plus, she's too qualified and regardless if she's "passionate" about her job, it shouldn't come at the expense of her quality of life. And Tech isn't so much the problem. I think people keep looking in the same places with tech jobs as if it's not a vast field. I'd avoid the FAANG companies but still look at plenty of other options and job roles that she can apply her skills set to. Seriously, she deserves sooo much more. That's all.

[@350zLeMans]

Finally a realistic representation of someone not making six figures, I'm on the same boat working multiple jobs making about the same

[@iiiiilllllllll]

Do you also spend more on the gym than your groceries? Because this lady does, and that's crazy to me

[@SuperTikes]

@@iiiiilllllllll Do you know her diet? I spend way less than the average American on food by shopping at Asian/Latin/Jamaican etc. grocery stores and eating meals with rice, veggies, and less meat than the average person. Her spending less on food means nothing besides the fact that she's smart with her money. I shake my head hearing all the bloated grocery bills for people that are unnecessary and most of the time avoidable.

[@deusexmachina9776]

@@SuperTikes what does diet have to do with an expensive membership? a cheap gym functions just the same

[@350zLeMans]

@@iiiiilllllllll I go to planet fitness only 10 a month

[@emilyau8023]

I make 65k with 1 job, but live in a high cost of living state. I think about getting a second job constantly.

[@arijaisrael2383]

Siiiiiiiis I absolutely applaud your work ethic and hustle BUT there’s no reason you should be working 3 jobs with a masters degree to only bring in $65k. I left higher ed in 2021 making $55k (very similarly to being a program mgr) & started working remote with a nonprofit that supports college students…almost doubled my salary! Higher ed just ain’t it & that’s the reality. I hope you find a better position that allows you to REALLY enjoy the fruits of your labor 💜

[@travelvideoz]

The annoying thing about higher ed is the crazy requirements for a basic job and basic pay. Masters degree and 5 years for 60k pay. Why would I not just go to industry and make more?

[@dot0422]

Higher education is actually it, but those Higher education positions don't hire African Americans or minorities in those positions.

[@arijaisrael2383]

@@dot0422 It's not it in terms of salary. There's no reason presidents and chancellors make 6 figures and everyone else struggling to get the basic necessities, even with master's degrees. But even for the higher positions that pay more, the stress isn't worth it. Have you heard about Dr. Antoinette Candia-Bailey?

[@dot0422]

@@arijaisrael2383 they aren't hiring African American women in higher educational positions.

[@kassd6063]

This video demonstrates how the American Dream is dead. Who wants to work three jobs? She must work this hard to survive. The exploitation of women, specifically black women, in America is disgusting.

[@LibertySerenity]

Straight facts! Her income with the university should be well over $80k off the rip. She is grossly underpaid

[@courtneyz4015]

​@@LibertySerenity for her job title, she probably just took it and didn't negotiate.

[@JoseFlores-xh5cj]

Are you saying that only Black women struggle?

[@jbell6852]

@@JoseFlores-xh5cjIt’s fact that women are paid less than men, more so black women are paid less than yt women.

[@breezluize3282]

​@@JoseFlores-xh5cjBlack women struggle the MOST because BOTH color and gender work AGAINST black women. Go LEARN something.

[@FreeAgent797]

$237 a month for a gym membership is ridiculous. She better find another fitness club. SHEESH!!!!!

[@felisharivers4333]

I think/hope that includes the personal trainer.

[@dot0422]

Right!

[@westcoastorbust2462]

Ride the bike, go on walks.

[@Wuncler]

I’m glad I’m not the only one who was stuck on that part. After having a trainer for awhile she should be able to come up with her own workout routines and get a gym membership that is much cheaper cause that’s insane.

[@fisephalnoxt]

@@Wuncler Yeah, her budgeting sucks. I pay 10 dollar a month for PF, it's enough

[@Justauri-asdfghjkl]

Yall in the comments are so ignorant. "With your degree you should be earning six figures" please wake up. This is reality. Degrees don't necessarily pay anymore and millions of jobs have been lost to globalization and automation. Obviously, if she (and millions of others) could get a higher paying job they would.

[@destinyschild5768]

Exactly not everyone is going to get a six figure job anyway

[@MsShaunde]

Exactly, cause I’m in the same boat as her with a BA. The American dream has been dead. It’s all about debt and set backs.🫤

[@treasured_remembrance]

So aggravating for people who have not been in your shoes to tell you what you should do. Good comment.

[@popcornismypassion7251]

There are only so many high paying jobs. Exactly.

[@emilyau8023]

Statistically people with degrees do get paid more than those with no degree at all, but there are outliers. It's unrealistic to say a person will get a 6 fig job just for having one, though.

[@Comotio]

Shes clearly hardworking,extremely reliable and well educated..def should be sending resumes out daily or start a business

[@phenomenalfx7134]

65,000 on three jobs.... Not even cracking 80... WITH THREE JOBS?!?!?!

[@rmenchoachupicachu]

Two part time jobs and one full time job. The median household income in Houston Texas is 65,000 so yeah she is doing well compared to Houston's median.

[@rickyayy]

American dream!!

[@MoneyMan28]

she can only work 10 hours a day after 8 hour sleep

[@kendramarie6981]

I worked 3 jobs last year all at the same time while a full time student. Brought under 60k. Would never do it again!

[@jordanwilliams9300]

She's so underpaid 😞

[@Jrswazy585]

I’m not knocking her work ethic but three jobs !! Health is wealth hope she takes cares of her self 🙏🏽

[@HolisticManifesting]

No husband and no kids, that's where the stress is. She's fine. ❤

[@texasindy2193]

She takes time to go to the gym. A lot of us don't even take the stairs

[@ThePoeticGoddess]

She LOOKS like she takes very good care of herself! The proof is mostly in her skin. She also looks like, even though she’s working three jobs, she’s happy with her life.

[@Jrswazy585]

@@texasindy2193 so true !

[@catherineogilvie616]

$1000 in emergency fund before attacking the debt - no credit cards, sounds like dave ramseys baby steps .. Good for her. I wish her all the best on her journey.

[@dhenderson319]

And sell the car lmao

[@nappyboi312]

That sounds like a bad idea tbh. Shouldn’t she strive for 10,000 in savings and then attack the debt? $1k wont even cover 1 months rent.

[@dhenderson319]

@@nappyboi312 Dave Ramsay's plan is to start out with 1000 as an emergency fund.. but u should continue building on that savings 1000 is supposed to just be a start

[@catherineogilvie616]

@nappyboi312 so the 3rd step after paying off debt is to save 3 to 6 months emergency fund. Most people don't even have the 1000 to begin with unfortunately .

[@catherineogilvie616]

@@dhenderson319 😂

[@rarejourneys]

Three jobs to make $65k, this is sad

[@kharab31]

Very

[@rmenchoachupicachu]

Two part time jobs and one full time job. The median household income in Houston Texas is 65,000 so yeah she is doing well compared to Houston's median.

[@kevinb8881]

REAL REAL SAD!!!

[@MoneyMan28]

She can't work 100 hours a day after 8 hour sleep

[@_Chicagosfinest]

My 1 job is that amount

[@claduetteyarbrough8201]

Okay, the great news about her story is that she is making it on her terms. She is not trying to get wealthy. Her version of the American Dream is to be debt-free and "to live life" on her own terms. There is nothing wrong with what she is doing. I am proud of her ability to be satisfied with her life and she is not trying to be like the JONESES... Everybody's dreams are different. I like that she is happy with her life. It would be great if everyone was happy with their lives instead of hoping to be something else. If your dreams are different, more power to you. There is nothing wrong with her version of what makes her happy.

[@CJ-fh5xq]

I make about $95k as a Data Analyst. I work another 20 hours a week delivering food for my cousins and parents restaurant making another $24k a year. Its challenging but I like the break of environment. I can do this when I'm young and single.

[@ArtTheSinger]

That’s different.. This is like someone living in a motel vs someone living in a full service hotel. It’s the same to me but people view things differently.

[@followGreatness]

95k should be good for you..why do we tend to live outside our means?

[@SinaAla]

@@followGreatnessYour assumptions are the opposite of mine. I assumed he/she was saving/investing all the money from the second job

[@followGreatness]

@SinaAla yeah I thought about that as well. But it depends on their lifestyle as well. Please im happy for this individual, not jealous or anything but again it's probably their lifestyle. Ild have a sweet lifestyle as well when the money starts coming in.

[@izy0321]

The fact that she replaced her car with an e-bike is goals.

[@spacewalker9375]

Kinda wild that she did this in houston though

[@linuxsisschannel8602]

​@spacewalker9375 Exactly! Texas, in general is one of the worst states for walkable cities and cycling. It's pretty amazing

[@lesliejackson1507]

She’s gonna give herself heatstroke during DoorDash in the summer

[@StarinthewingsNews]

​@@chaxologist2961 but cycling effort is irrelevant. Just being outside in the Houston heat and humidity for hrs will have you sick. A car really is better there, even if just a small compact.

[@ojames1983]

Goals? 💀💀🤣🤣

[@fredm1]

A Friend told me Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. is this a good way to potentially grow my retirement savings to about $3M over time?

[@aureliobjm]

You need to create your own process, manage risk and stick to the plan, through thick or thin or you can just seek the help of a financial advisor.

[@georgeh.5126]

If you are not knowledgeable, it is better to get advice or support from a consultant or investng coach. I think talking to a consultant is now the best approach to get into the industry because it helped me stay afloat in the stock market and increase my portfolio to roughly 65%.

[@MarvishaN]

@georgeh Please who is the consultant that assist you with your investmnt and if you don't mind, how do I get in touch with them?

[@fredm1]

@georgeh Who is your advsor please? if you don't mind me asking

[@georgeh.5126]

She's known as a 'Amber Russell Bennett'. One of the finest portfolio managers in the field also widely recognized. Just research the name. You’d find necessary details to work with.

[@chrishall2837]

She’s such a hardworking woman. Hats off to her. God bless

[@monarene44]

I’m very impressed she has $96k saved for retirement. She’s working jobs she’s enjoying and that’s the most important. I hope she doesn’t hook up with somebody who’s going to take all that away from her.

[@sharinaross1865]

You can only hope.

[@travel4fun103]

And still smiling, which is astonishing because being Black and working in corporate america is miserable! 40 hours a week

[@countessstevens63]

First of all sis…you are so beautiful & intelligent! Congrats on the success. Thank you millennial money for highlighting someone very practical that represents a lot of us. Second… Please don’t wait until your debt is completely paid off to “start enjoying” your life! Enjoy your youth while you can because tomorrow is not promised!

[@rainerwells1573]

She’s beautiful, has 100k in savings and retirement. This is temporary she will continue to live a good life! ❤🎉

[@Sparkyzachchannel.]

At 40 years old it ain’t much dude people can save 100k in 3 years😂

[@Sparkyzachchannel.]

If she was 20s 30s pretty impressive if she was younger

[@_Chicagosfinest]

@@Sparkyzachchannel.you don’t have that living in the mid west ! So ..,

[@Lemons19902010]

I think the video says she has $1k in savings, not 100k.

[@drewskiv686]

@@Lemons199020101k in emergency savings and 96k in retirement

[@CNT536]

thank you for posting a real, hardworking person.

[@user-ie1mi9pn4u]

She paints a great picture of the struggle over educated black women are facing currently.

[@travel4fun103]

I wished I looked this vibrant, making less than she does in NYC with a Bachelors degree! I don't even look half this happy. 😅😅

[@freddiemoses467]

Can't knock her worth ethic

[@justtracy7175]

Having 3 jobs is a blessing sister. You’re taking care of business. Our economy is struggling . Having 1 job is not enough. Much blessings for you & hold your head high!!!🙏🏾

[@YourRichAuntie]

Everyone is commenting on this woman (she is gorgeous BTW) and I totally do agree that she needs to be earning six figures with her degree and her experience. I hope she'll see the comments and KNOW that she can go out in to the world and ask for more and receive it. Unfortunately she's grappling with what many Black women deal with - we have to be twice as good to get half as much. Black women are often saddled with student loan debt - because without the degrees (and often multiple degrees) we won't be even considered for the job. I work in a predominately white male "prestige" field and despite my years of experience, Masters degree and multiple credentials I've regularly encountered this phenomena. I totally understand and relate to what she is experiencing and pray this woman can find a six figure job that values her experience and work ethic

[@l.gibson6422]

Exactly! You said it right! Sometimes, we don't even "know" that we should be paid more until someone pushes us up there, then you start to realize you've been losing out! So crazy!!! Everyone is saying that in the comments, she deserves more and is worth more, but this is purposely and systematically done, and when it's brought to light on the internet everyone is shocked but it's our reality. Understanding your value and negotiation is key!

[@KFontLab]

Best comment I have seen today!… People would rather comment about the fact that she doesn’t look 20 she actually looks 40 🙄. You are 100% correct.

[@jamieh4336]

No one is out to get you all just because you are a woman and Black. The corporate world is designed to take advantage of anyone it can . If you want to get your fair share, you have to know how to objectively negotiate for it. Also no one saddle you with student loans. You willingly took them on and didn't choose careers with high ROIs in terms of compensation. I am tired of this victim talk from the women in my community. Own your choices and when you do then things will change rather quickly in your life. Before you all get mad, remember I am a AA man so I should be getting it worse than you all...

[@xtrey19x]

This video didn't reveal what degrees she has. If she has degrees in African studies, then should an employer be obligated to pay her a six figure salary? Many black women are getting degrees that nobody is asking for and then they complain about not having the careers or pay they wished to have. This may not apply to you, but it certainly applies to many others.

[@YourRichAuntie]

@@xtrey19x she says later in the video that she works in Ed Admin, so I assume she got her degree in Education. There are six-figure jobs in higher education admin btw. I agree that people (not just Black women) get degrees in fields that don't lead to anything. Young people need to be educated about what degree choices pay. I encourage college students to research the first 10 years of expected salary in their fields before committing. If they don't like the numbers, switch majors and careers

[@Fernando-li4uv]

She is beautiful and inspiring. Doordash should consider offering her a better position.

[@kaykaysfashion122]

She is beautiful. The grandma that made that rude statement to her grandchild is disgusting. I have ZERO tolerance for mean people. Especially mean people that determine a person's worth based on their occupation. Just evil.

[@BedroomBeethovens]

Boomers aren't necessarily 'mean', she made that comment because she has no idea what it takes to make it in todays market/economy. Boomers are stuck in the 80s. Her comment was the world passing her by. You should feel pity for the grandma, if anything.

[@mzstacystacks3168]

Well said ❤

[@kaykaysfashion122]

@BedroomBeethovens ummm.... her comment was rude... period. This is a wierd comment. It's annoying when people excuse rude/bad behavior. U can feel sorry for her being older but posessing no maturity and depth whatsoever and still say she made a rude comment.

[@kaykaysfashion122]

@mzstacystacks3168 thank you!

[@greenbyrd3665]

@@kaykaysfashion122 Agreed. If the woman made the comment with an awareness that she was loud enough for the young lady to hear it, the she was indeed being rude. Also, it's been my experience that those who are mean, old people were the same way when they were young. Personality just becomes more pronounced the older you get.

[@GeorgeKent-oi6qz]

Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject .....Thanks to Kristy Loreca, the lady you recommended.....

[@VictoriaBenson-vg3lo]

Investment has been the easiest way to save and multiply money.

[@Wendy10926]

That is true everyone needs more than their salary to be financially stable. Investing it with a reliable source is the best.

[@Jeremy10444]

*Kristy Loreca strategy is the best. I recommend it for beginners because it is perfect for now and it is know.*

[@FloraLester-ot9jm]

*No doubt!!! Kristy Loreca method is the best. I received information about her from BBC News. Over the past two years, I' started following her example and it's working in my favour. I lost my job at the beginning of last year and now I'm back on top following her guidance*

[@SarahWeeth]

Definitely everyone needs a different stream of income, such as where on can invest some part of his or her monthly earnings

[@akirebara]

She needs to be on Caleb Hammer's Financial Audit as a palate cleanser. She's actively paying her student loan debt and don't have credit card debt and did not purchase a car she couldn't afford.

[@FlansyLinny]

Caleb only wants the worst on his show

[@charletfoster8917]

96K achieved for retirement is 👏🏿👏🏿👏🏿👏🏿

[@andrewsnyder9262]

Yes most don’t understand how much that will grow by retirement age.

[@miscellaneous_entertainment]

Over 100k in students loans to achieve a Master degree? And making less than 65,000$? Make it make sense. 😮 The overall system failed her. But I do admire her determination and work ethics! She needs to get into Tech preferably EdTech to make more money for her primary job. I can help!

[@CJ-fh5xq]

This. I make way more than what I paid for my tuition.

[@KFontLab]

Yes it was probably the school she chose because you can get a Master’s degree for less than that. Unless she is including undergraduate loans in that total which still can be less.

[@meshap.8713]

I suggested this and they in the comments tryna tell me I’m crazy! It’s no attack on her for her hustle. It’s just gotta make sense and add up and she can definitely make more without having to do 3 jobs to attack “debt”this way and still end up only at $65,000. Like I don’t think people actually are thinking about this from critical stand point and realizing how absurd this is and I think she’s amazing and just want more for her.

[@djm2189]

​@@CJ-fh5xqsame. Graduated with 24k I'm debt. Engineering degree. Now at 29 earn $120k, WFH, and have a net worth of 140k so far. First job out of uni paid 60k. Been going up since then, 2016.

[@julliardgal]

Hey can you help me? I am interested in that!

[@tahirisaid2693]

Relying solely on social security isn't advisable. I've learned that the most efficient path to wealth, both in acquiring a million and sustaining billionaire status, is through wise investment strategies.

[@MichaelDavis-cj1yj]

I couldn't agree more. Working with a financial advisor can provide invaluable guidance for navigating investment strategies effectively.

[@TinaMyles]

Do you mind sharing info of the adviser who assists you.

[@MichaelDavis-cj1yj]

“Angela Lynn Schilling” is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment,.

[@TinaMyles]

I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me.

[@Ameard823]

I feel so extremely blessed to not have to work three jobs to make what I make. I see that it is an absolute privilege and I will not take it lightly.

[@scotthearts9634]

How rude of that grandmother, you don't know someone's situation or know the person at all 🙄🤦

[@YourRichAuntie]

IKR?? Her grandkid may be working four jobs and struggling to eat and put a basic roof over his head the way things are going. Hard work and a good education really don't mean much anymore.

[@Vivek-zw3ex]

The irony is that grandmother who made the comment, her life more likely went like this: She and her husband both had high school diplomas. Her husband got a job straight after high school and she was a stay at home mom. They bought a modest house on his single salary in their 20s and they raised three kids on the salary, before retiring on social security and maybe even a pension if the husband had a manufacturing job that was unionised. They really have no clue what society is like for millennials …

[@davidoh709]

You just made my day. You work so hard and have a positive attitude. I hope things work out for you in the future.

[@rosemarywilliams9969]

Thank you for showcasing a realistic person struggling to make realistic income unlike these millionaires that I see in your past shows... like what's up with that❤

[@kankala358]

So many bw will be in much better positions only if they understand that there is no point taking loans to get master in majors that don’t bring money into your life. What logical person will go get a master and make $65k a year and with $100k debt? Like how’s that possible? She only needed a bachelor and it’s time we stop taking pride in getting master in things there is absolutely no usage or bring substantial income into your life. You should only take loans for science majors or law school as those can make you 6 figures within 2-3 years out of college and plus those majors have a lot of scholarships available as well

[@ludens1526]

I make $38k a year debt free 733 credit score and live by myself in Houston. It’s crazy that I’m financially doing better than most of the country with little ol $38k I save about $1400 a month

[@missdesireindependance5194]

You probably don’t have student loan debt. That would eat up your money.

[@eliteway17]

You can't be paying rent anywhere either if you make $38k gross.

[@ludens1526]

@@eliteway17 after taxes

[@kocoaberry7041]

Either you managed to pay off your home early or you live with someone rent free. Bc otherwise the math aint mathing.

[@ludens1526]

@@kocoaberry7041 I live by myself self my rent is 850. No kids lol it’s possible in 2024

[@carlogarcia88]

Glad her loans were forgiven, that's a huge weight off her shoulders and it frees up more income that can be circulated in her community. I hope there are more profiles on people that show the positive effect of student loan forgiveness

[@LightskinKing33]

Can you guess who pays for it in the long run? We should know that if you take out a loan, you will be on the hook for paying for it. This presidency continues to weaken our economy for votes and it still might not be enough.

[@katydid917]

Not all of her loans were forgiven. She still has $18k in private loans.

[@sarahbaartmansrevenge]

this is horrifying. working yourself to an early grave is never a good look, but ESPECIALLY not for $65K !! it’s shameful how the media tries to normalize utter dysfunction within a completely broken system😢

[@sharinaross1865]

Totally horrifying.

[@user-we4di3lw5h]

This young lady is a true inspiration.

[@Michelleeew]

American dream is called an American dream because you are actually dreaming on an American dream it’s not reality for most.

[@RyanLogan01]

I had to double check her age - she looks mid to late 20s! All that fresh air doing doordash seems like it contributes to her quality of life. I applaud her hustle and adaptability to the chaotic job market and unforgiving educational loan programs. This is more relatable to us normal folks who are not tech bros with connections to VC funding. More stories like this please!

[@sarahleeblanc8274]

She doesn’t. She looks her age.

[@RyanLogan01]

@@sarahleeblanc8274 i’m in my early 40s and many people my age look older than her. I don’t see any wrinkles - she’s doing something right!

[@tamikad3535]

@@sarahleeblanc8274 to you, not to me. she looks good for 40.

[@knighthawk9123]

Black don’t crack

[@ledam2654]

​@sarahleeblanc8274 I'm in my 20s and she definitely looks like she's in her mid to late 20s. Don't be a hater lol

[@brooklyngirl89]

To think if she were working in tech as a PM she’d be making double her salary. Higher Ed salaries are insanely low and it’s sad that that’s the reality of this country.

[@mine4532]

She should be making more as a program manager

[@cyndisays]

she is positive and seem focused. her plan can and will work, she is disciplined and not living in a fantasy. This is how you do it. LOVE THIS.

[@ash_posh_omg]

God bless her! She is so humble and graceful! Love how she knows how to prioritize her time!

[@namastemcl]

This young lady is a bright light in this world. A couple streams of income is not a bad idea. She has a solid plan…

[@chantaldrichards]

She said she is 40 years old??? 😲😲😲😲😲 wowzah!! Gorgeous girl! I emjoyed watching this.

[@thebellafonte]

Yikes, there is a lot of projecting, judgment, and assumptions going down in the comments. Shonnita, thank-you for sharing your story! Congratulations on all your accomplishments. Nearly 100K in retirement while working three jobs is incredible. My jaw hit the floor when you shared the comment the woman made under her breath. You handled that ignorance with such grace.

[@christieomojo]

Its not right she's so underpaid. Regardless she has done really well. University financing needs urgent reform. It seems like a predatory trap for so many.

[@Andrembramwell]

welcome to Houston jobs here dont pay well

[@thedopeconversationspodcast]

Real stories, real people. Keep ya head up

[@normanbasham4436]

Shonnita you are awesome. If you haven't already put "Over 8K deliveries with a 100% delivery rate" on your resume, do so, anyone smart will recognize you deliver. Seeing your tenacity is inspiring and you give this senior citizen hope for the future. You are a success and I suspect your current path will lead you to a rich and I hope joyful life. ❤

[@kwaugh08]

You go girl! I admire how focused and disciplined you are in order to achieve your goals

[@selfridgesforever4399]

Another great video! Thank you for a realistic story! She is very inspirational. Hope she's able to build wealth in the future.

[@sohummaniar2595]

I think I’ve seen her on the train multiple times and I can say that bike is 100% lit 🔥

[@joe2k20]

Is doordash sponsoring this video lol

[@rarejourneys]

Somebody else said that

[@samuelalexander1133]

my most favorite episode yet

[@vaneese85]

if I ever work 3 jobs, I should be making $200k per year especially as a masters degree holder

[@Rashaadthegr8]

She's on the right track. The only thing I suggest is 1. stop retirement savings until you become debt-free. 2. Instead of working 3 jobs find one job that pays you $75K. Delivery jobs don't make any money we all know that. Trust me I've been there and done that. 2. Quit the gym membership entirely since you bicycle every day or go to a cheaper gym such as LA Fitness or Planet Fitness until you become debt-free. You can always go back to a lifetime if you love it that much. And this is coming from an all-natural DEBTFREE bodybuilder.

[@rsimmons1980]

She probably likes the freedom of doordash

[@Rashaadthegr8]

@@rsimmons1980 She does but its a terrible side hustle and can make so much money faster doing many other things.

[@destinyschild5768]

@@rsimmons1980yea that’s what she said

[@ShutterSpeedGaming]

Paying too much for that gym membership 😬 get a membership at planet fitness and save almost 3K a year to put towards the student loan.

[@Kevin-zz9nc]

The American nightmare....

[@auburnrenaissance]

She deserves so much better 😣

[@chrisr4407]

Agree. ..her life is just budgeting, no credit, doesn't own..she speaks on owning in the future yet she's not building credit and she's 40..she def deserves better

[@dopakojones8464]

This was so good!!!! I actual saw you filming in the park. 🎉🎉 So cool!

[@jennib9953]

Love the honesty of your content and your hair is gorgeous

[@biscaynesupercars]

That comment by the grandmother shows how out of touch past generations are with what’s currently going on today.

[@l.h.tnguyen4916]

That gym membership is ridiculous. My god, I spend 50 a month and already feel that is too much.

[@donaldcole2539]

Right! I was thinking the same thing!

[@co563]

Probably includes session with that trainer

[@northinvestor]

@@co563 At this price it must include "private" sessions with him

[@julistar90]

I spend $16

[@scotthearts9634]

😂 I spend $10.83 a month at a planet fitness near where I live

[@JustAGrl007]

Graduating college during the great recession I can definitely relate! 😣 That was a real definitive recession. She could be making so much more money if she was a program manager outside of education. And just work one job to make more money than all of those jobs combined.

[@ivanchernoskutov9995]

Amazing story! Hardworking, pleasant and, overall, extremely intelligent person! Bravo!

[@EdWachira007]

I love this series

[@renisance8292]

Wow, she’d make more money back in Connecticut or the mid Atlantic teaching. She’d be making between $90 and 100k annually.

[@chrisr4407]

That's exactly what I said..Teachers in NYC, NJ, Connecticut make much more

[@xtrey19x]

@@chrisr4407 NYC & the Northeast is also more expensive than Houston and ice falls out of the sky for half of the year. Plus, you'll have to pay state income tax and there's no income tax in Texas.

[@Alexis-wh2de]

@@xtrey19x A single person making ~$80k+/year, which is what someone with her experience in a similar role would make here, could afford to live on their own here in CT. But the winter rituals and potholes are another story, and quite frankly are partly why I am looking to move myself. And making around the same as her, I actually take home more of my paycheck even after my state income tax deductions.

[@jennifercarlacadet5291]

This is why i love canada . School cost almost nothing. Health is free

[@bronxishomenomatterwhereig3149]

Just gonna pretend you don't pay more in taxes for that?

[@jennifercarlacadet5291]

Yes we do but we have better quality of life than you . 40 years old living like this . I prefer to pay taxes my friend . Salute

[@bronxishomenomatterwhereig3149]

@@jennifercarlacadet5291 That's fine. I wish our tax dollars went to such things. But they don't so we don't want to pay more in taxes because we see what's already being paid. Is used to give foreign aide and prioritize immigrants. Or is just wasted on B.S. Glad Canadian government looks out for its people. Be thankful your government puts Canadians first. But it ain't free. That's false. You pay a lot more in taxes. But your government shows it's worth it

[@autumngarden4284]

The most surprising thing for me in this video is that she is paying $622/month for insurance. Is this normal?

[@rsimmons1980]

No.

[@followGreatness]

Insurance??? What Insurance for.

[@mjb48219]

Healthcare could easily be a couple hundred or more if the employer doesn’t offer it. Wonder if she has whole life insurance.

[@suciadavid6424]

The way she talks … sounds like she’s a Dave Ramsey follower! Better than we deserve! Live like no one else now so you can live like no one else later!

[@bfrye41]

But she is doing Ramsey ish because she continues to pay 237 a month in gym. That's ridiculous. She already rides the door dash bike why pay 237 monthly.

[@Reallychris_]

Keep going! You’re doing great!!❤

[@gictorofficial2704]

Yes I’m 19 and work 3 jobs as well glad to see that hustle and from Houston too work 7 days a week non stop 🛑

[@ambivertical]

No shame girl, you represent MOST Americans. Thanks for your transparency. Respect!!! Great work .

[@moff_gideon]

No she doesn’t

[@ambivertical]

@@moff_gideon Most Americans are Struggling with Inflation right now and need to work multiple jobs. So yeah she does

[@ninamatthews8747]

Why is her gym membership so expensive, $237/month is insane!

[@scotthearts9634]

Same thing I said. I spend $10 at a planet fitness near me.

[@xtrey19x]

I could look past it if she had a fit body to justify it, but nope she's heavy.

[@sharinaross1865]

That's crazy expensive. She must have a trainer.

[@brandonmartindale58]

Love seeing H-town being represented. Great content and loved the storyline.

[@liyahapple]

She's really inspiring, I love her energy and she's beautiful. I wish her all the best for the future ♥♥

[@CeraEMusic]

shes beautiful smart and inspiring ⭐️

[@ft1725]

Don’t celebrate this. She needs to break in to a higher paying industry. This is not a lifestyle she should live everyday.

[@jeanp.5929]

@@ft1725 She's working three jobs to pay off her debt. Surely that can be understood.

[@chrisr4407]

She's not smart..she's working 3 jobs, doesn't own and has to budget everything and she's entering 40s..this is sad reality of the U.S ...she make look happy but that's not a happy life ..she should move to where she can make more money

[@kingshomes8546]

She is doing it the right way : Trade school for me in the next life. American education system is a scam

[@IL_Bgentyl]

It tends to be the opposite of whatever the push/trend is. College was pushed so trade schools were great. Now trades are being pushed. If everyone floods it school will be great.

[@shiftautomotive854]

@@IL_Bgentyleveryone won’t though trade schools always been looked down on by society

[@KFontLab]

I am an advocate for both… I have done both and I have worked for both types of institutions. There is a need for both (Universities/ Technical Colleges and/or junior colleges).

[@kingshomes8546]

@@KFontLab not at the cost of $100k student loans

[@LightskinKing33]

@@kingshomes8546 It isn't realistic for people to take out $100K loans on jobs that wont pay it off within 5 years.

[@asnboy1084]

glad to see a normal person being featured. Also noticed she has a youtube channel!

[@leadgenjay]

Shonnita's approach to tackling student debt is both inspiring and practical. For entrepreneurs looking to optimize their side hustles, consider leveraging automation tools for gig economy jobs to maximize efficiency and earnings-think automated scheduling for deliveries or using predictive analytics to target high-demand areas during peak hours. Always stay informed about peak pay and bonus opportunities that companies offer, which can significantly boost your income.

[@sber3911]

Great story and I love your realistic approach to everything. You show that your path works for you and nobody else needs to give their snarky opinions. You are a role model for everyone. You are shining bright. Go girl!

[@TimelessWealthMentor]

Do I hear you about working on your own terms...and you just have to do what you've got to do...she's got a great mentality; doing whatever she need to do to take care of what she needs to! And by the way you look amazing for 40!

[@gordonallen9095]

A very responsible and hard working young lady with a PLAN. The saying goes; "if you fail to plan, you plan to fail." Good luck to her in achieving her financial and personal goals.

[@alfred8294]

Well done! Keep grinding Shonnita!

[@saraharmbrust4972]

I love those episodes who seem realistic and reflect the situation of lots of millennials 👍🏼

[@stampsessentials]

I think she is doing great. I think this work schedule is as aggressive as she wants it to be rather than she absolutely has to do this to survive. It’s more about being debt free than survival. God bless u sister ❤

[@mr.hawkins4263]

Love the trasparency of her journey because this is a lot of Americans story as well.

[@camela8445]

Wow, I have always wondered how someone in that situation could manage their finances effectively to build a stable portfolio.

[@Tylerredn]

It's tough indeed as seen already. With such a modest income, saving and investing might seem out of reach, but it's crucial for long-term financial security.

[@roseylumber]

Absolutely. Even on a tight budget, there are ways to start investing wisely. It's essential to prioritize essentials, like building an emergency fund, before diving into investments.

[@Annie2229]

And with the global economy being so unpredictable, it's even more critical to plan carefully. A sudden downturn could have a significant impact on someone with a modest income and multiple jobs.

[@Annie2229]

The problem is that people don't have the knowledge needed to succeed in a challenging market. Only highly qualified professionals who had to experience the 2008 financial crisis could hope to earn a high salary in these challenging conditions.

[@Larry1-pl2wq]

That's true. Economic fluctuations can affect job stability and income levels, making it challenging to save and invest consistently.