Living On $70K A Year In NYC | 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

[@ألفومية-ح5ك]

Salary - 0$ Expenses - 0$ Unemployed and still living with family.

[@Radii15]

25 with 70 grand a year? Lucky girl

[@amylieu6084]

do my story. I am a lawyer.

[@anmol3457]

@@Radii15 not in NYC

[@katy3901]

Income = £925 a month Housing= £370 Utilities= £50 Subscriptions= £45 Food= £160 Entertainment= £60 Transport= £30 Clothes= £20 Random= £80 Savings= ~£100

[@moisessalabarria5912]

“I have about 115k in student loan debt.” *laughs in severe misery*

[@sbkpilot1]

she's the one who is laughing though, she is paying $60 a month and if not then $10 a month... and if Warren is elected then she will pay nothing.

[@khalidalali186]

Are the installments made in that way, even though they know that money would never be paid back? I mean WTF? Even in 50 years, she would have paid only 31% of the loan.

[@ThaOriginalGangsta77]

Moises Salabarria u better be a doctor than

[@miguelm5450]

@@khalidalali186 she is on forgiveness so it doesn't matter after 10 years it will be gone due to the plan

[@richardrodriguez8844]

Miguel M many people were found not to be eligible even after making payments to the program. The issue is not only that, but if she wants to get a loan or mortgage, it will be very hard for her, maybe impossible.

[@YanBrassard]

"I have 115k in student debt" Well, I guess I will stop complaining about my 30k in student debt. lol

[@LucasGuanes]

yeah me too, I finished paying off my $35K loan two months ago. it took me like 3 years, and it was the last year when I started throwing everything at it.

[@mariahasmr9184]

@@LucasGuanes how much did you pay a month

[@sidneyblack1036]

No, you should still complain about it

[@beemocha]

Right!! 😂😂 thinkin the same thing

[@Revivalsoul24]

Right! I graduated with $15k of student loan debt & 10k of credit card debt and will have it payed end of this year. Basically taking me 2 years to complete. Meal prepping definitely helps. Paying off the cards that have the highest interest is the best move and making a huge payment to one of them at least once a month helps too.

[@jeffsteinbacher9278]

I wanna see how someone lives on minimum wage in nyc

[@jakescomicreviewsuperheros3514]

Spoiler. You can't

[@lana_6336]

They live in the roach infested projects in Brooklyn, they exist

[@redvelvetcakeYUM]

Get ready for a lifetime of hacks. The poorest people have to be the most creative in order to survive.

[@theendurance]

Most people in nyc live on minimum wage.

[@alisunshine123]

@@theendurance is that true? I heard someone can make 30,000 a year and live comfortable in N.Y. becaise there is so much state help from the government offered there

[@stephb5543]

Loved this one! It feels like everyone gets family money so it was so refreshing to see someone making it on their own!

[@nOne-ol4bz]

OHHHHH GRAHAM IS GONNA LOVE THIS!

[@shahfinancialsapeur2693]

I was thinking the same damn thing!!!

[@needlesslycrispy]

"Diamond" level content.

[@justins2024]

Who is Graham

[@ChrisDAndrealifestyledesign]

LOL IKR

[@nOne-ol4bz]

xtracrispy make that 20 cent coffee and watch this gem

[@irisxkae]

$115K in debt.... And she only makes $70K a year. Was the Masters even worth it?! $5K in Paypal that doesn’t even gain interest. Is Paypal even insured?! She could put that in a HYSA. Wow.

[@Tigerkem]

I mean in the long term that's not so bad. Assuming she continues to raise her income and is easily employable then those degrees will definitely be worth. Now the people who are $100k+ in debt with $25k salaries are those who wasted their time.

[@irisxkae]

Tigerkem I actually agree. Her income will rise but she’ll have to stay in public service for 10 years. She would make more money working for a bigger private company. Also, I believe only 1% or less of applicants actually got their loans forgiven from this program. Her outlook on her SL’s are not good.

[@irisxkae]

amy lieu what?

[@Tigerkem]

@@irisxkae Yeah that's my biggest issue with this video. She shouldn't rely on the forgiveness and should pay off as much as she can now. She has savings of a $1000 a month, so she can definitely put more money towards her loans. The interest is only going to make it worse.

[@gr86er]

@@irisxkae The reason for so many rejections for the PSLF program was because a lot of those applicants didn't even meet the eligibility requirements. So she should be good as long as she makes sure she meets those. Whether a program like that should be subsidizing education is another issue....

[@i_b1580]

50% of the comments talking about Graham Me: Who tf

[@crxracer805]

Yeah dude, get with the program

[@IllinoisTrafficAttorney]

He does this real estate investing KZbin channel. Personally, I can't stand him. He makes good points but God I hate real estate investing people. They're such fucking Bros about it. There's always this lack of modesty that is so off-putting. I prefer channels like next level life which teach people about finances but aren't a complete ass wipe about it. We get it, you made lots of money in this. You don't have to be a douche about trying to help people.

[@jacquelinele9170]

@@IllinoisTrafficAttorney I haven't watched Graham but I totally agree about real estate bros 🙄

[@IllinoisTrafficAttorney]

@KILLERxPRO99 thanks for the recommendation. I'll check the out.

[@IllinoisTrafficAttorney]

@@jacquelinele9170 he's not all bad. There are times when he can really step back and chill but his General Persona rubs me the wrong way

[@ChristianAviles]

These videos are made solely for Graham to respond to

[@amylieu6084]

I bet these are all fake accounts belonging to graham to boost his channel.

[@ChristianAviles]

@@amylieu6084 nah, we just a strong and vocal fan base hes gona have to come up with a name for all this soldiers lol

[@amylieu6084]

@@ChristianAviles oh so your doing it for free. Nice I hope I get an army of suckers one day.

[@ChristianAviles]

Get some personality and maybe you can but for now 😂 SMASH THAT LIKE BUTTON

[@amylieu6084]

@@ChristianAviles lol your a happy serf.

[@OrigamiTree]

How did she find a one-bedroom apt for such a low price? 😱

[@d.akhtar9080]

Jenny W. Chan - Origami Tree I think she splits it with her partner

[@VentureAHighway]

It’s split with her partner, that’s just her half

[@Random-gk8do]

Probably in somewhat of a bad area

[@Hansenwork]

Also it’s in Queens.

[@julia.f.farina]

It looks like she lives in Sunnyside, Queens which is fairly affordable (for NYC) and actually pretty nice!

[@Dud-in9iu]

Good to see the channel giving the time of day to all types of Millennials. Some are rich and only value money, some want to retire early, and some don't care about money b/c they value other things in life.one way is not superior to the other. What is important is that the person is content/happy with their life.

[@FrugalTeacherFI]

Love how she laughs about $115,000 in debt and then says "And if for some reason the loan forgiveness doesn't work out I'll just pay $10 a month". "When it comes to budgeting I just mainly use my brain". HA! This lady is in a different universe.

[@Wordofthewise316]

It’s true. If you use the PAYE or REPAYE program, you will repay very little especially at her income level and her cost of living.

[@manny404ify]

I make $60,000 a year and I went to a community college. Received my AA Degree and my social behavior degree. $0 in student loans

[@homelessme1]

Hello, This is extremely late, but what type of job/area were you able to obtain with the associates degree. Asking because I just got my bachelors but my salary is around $38,000

[@manny404ify]

I went into Management, I use to be a GM at a bakery, use to make $52,000, I’m currently a Manager at Cracker Barrel making $60,000 a year

[@Sweetheartbabez]

@@manny404ify what state do you live in?

[@manny404ify]

I lived in LA while I was working as a GM and lived with my parents until I was 26 to save up as much as I can. I moved to GA 2 years ago, my wife and I have a house and we got our first rental property back in August of last year. We are currently looking to purchase another one.

[@nursenelson8408]

Ok currently a LPN made 45k my 1st year. Getting my RN now from a community college. No student loans

[@Daniel-ps9nw]

We’ll see Graham make a video on this in a couple days.

[@kellyariesky]

who is he ?

[@Ali-li2vx]

@@kellyariesky he is basically jesus christ for young people finding their way through the world of finance.

[@daanbeekenkamp6747]

@@kellyariesky please search him up on yt I'm sure you Will find his videos funny😂

[@yoshikow]

I’m trying to find him what’s his name. On KZbin

[@Ali-li2vx]

Yoshiko W Graham Stephans

[@SaraAda]

0:52 "i don't want to feel guilty if i buy an iced coffee" .... let's see what Graham has to say about that

[@iwi7]

$3.50 vs $0.20 per cup. Think he might flip out?

[@jmcginn75]

Its true though. $3 on lattes isnt changing her ir anyone's life. Her high savings rate and extra jobs giving her a few extra paychecks is awesome

[@thepodlabs]

😭

[@agens6449]

@@Aviation12 Exactly, people earning 10 x less than he is can have such a richer lives :D I really hope he'll use the money he saved some day before it's too late in terms of health etc You HAVE TO be responsible and think about your future, save for retirement etc, but his way is in my opinion way worse than her.

[@gcg8187]

​@@Aviation12 There is a fine FINE line between things that authentically spark joy, and things that we compulsively do because we think it will bring that feeling of satisfaction. what side of the line do you think her coffee spending falls? I like coffee, so much, that I can make it better at home, for 50 cents to 1 dollar a cup. I laugh at people at buy starbucks 5x a week. But maybe somehow, they feel the same way I do...

[@b4tparodies526]

Besides the student debt loan, this person actually is pretty damn responsible with her money. Her biggest "expense" was her savings at a bit over $1,000. Not many adults twice her age can say that.

[@hello-nq3ze]

She only needs to pay $60/month, it's not even that bad

[@thekimfamily1380]

Leah if you're reading this, you're doing an awesome job!

[@NinaThomas]

How is she only paying $60 a month towards her student loan if she owes that much? That public service plan scares me because it isn’t a guarantee and 10 years is a long time to wait for something like that. I guess debt can feel crippling so it’s easy to have an “I don’t care” mentality but that interest! I hope she starts following someone like Dave Ramsey. She saves a ton of money each month, she could definitely tackle that debt.

[@newtec-kd6vy]

It shouldn’t happen, she took them out she should pay them, why should I have to pay for her stupidness

[@newtec-kd6vy]

@K J I'm not paying for Nvidia or FIdelity threw my tax dollars.

[@newtec-kd6vy]

K J yes but I can chose not to buy those products the free market drives down the price and they don’t want to talk about it because the Democrats use it to “buy votes”. No people will always work for the government because it’s wildly known working for the government is easier.

[@newtec-kd6vy]

@K J Yes but a private company, they can do whatever they want. The military, police offers and firefighters all play a much greater role. Because you are free because of the military. you are safe because of cops. Your not worried about dying in a fire because of FF. I would not put teachers in this discussion. They make wayyy to much 48k in my state starting, to work 180 days a year from 7:30am-2:30pm.

[@user-td7xf3gz4l]

@@newtec-kd6vy agreed

[@Jaegi_]

$115k student debt, $60 a month, $70k income. I must have missed something

[@khyraphillip9458]

This Is Jaegi she qualifies for the government forgiveness program. So once she keeps her job and makes the minimum payment ($60), the government will pay off her loan

[@carnival30]

I know right!

[@pyenme]

​@@khyraphillip9458 You mean the "I as a taxpayer will pay off her debt..." program. Wish I could go to Ireland. Oops, forgot, I have other financial obligations.

[@Steve83B]

@@khyraphillip9458 What people don't realize is that "pay off" is considered income. She'll have a very big tax bill when that happens.

[@ladyfreddie7513]

“The government” is you and me. Equity.

[@stylenseason]

I searched for this kind of videos to seek motivation. Instead I became freaked out. Can they feature someone who is smart in managing money that we can emulate and take example and inspiration from?

[@red-black-heartstayhyunnie4763]

@Brian can u give a basic idea about ur expenses & savings plzz !!

[@Maurazio]

lol on videos with too well off people commenters say the exact opposite, that they want to see people that are in a mess

[@nadiao8545]

@@Maurazio man i just want a healthy middle.

[@petefiction]

Check out the youtube Channel "Choose FI"

[@krishafyme]

@@Maurazio ikr, remember that 210K + CIA woman, it was all just MESS!!

[@Kelly_Explores]

Her outlook and approach to student loans gives me immense anxiety

[@saulgoodman2018]

Those surveys are BS. Takes like an hour asking all these questions, then you finally get one that takes like an hour to do, then they give you $1 only.

[@purplekitkatemily]

Yeah it took me a month to make $9 when i was told 10

[@purplekitkatemily]

Not much of a diff

[@chrissyb7916]

The in person, not on line ones make $25 to $100 for each survey. But hey run an hour to two.

[@TheHilltopperNation]

Yeah I do them occasionally and have made like $100 in 4 years

[@alvaroga1n]

You have to get really into them, like at the begining you´ll obviously get pennies but once you are more established they pay up

[@jcern3754]

You already know that $3.50 coffee comment is gonna trigger Graham lol

[@alessandrariooo]

@Brian you sound fun at parties.. you don't like a good cup of coffee now and then? weird.. people wouldn't own businesses if others didn't contribute.. ur comment is so odd to me lol

[@illiteratebeans6924]

Alessandra Rio coffee simp

[@laurenconrad1799]

I think she’s making all the right choices. I know others might disagree, but between the loan forgiveness program and the side hustles, I think she’s doing amazingly.

[@VanessaAttah]

same!

[@dzim8822]

That Community Supported Agriculture thing is way cool... awesome way to eat healthy while living in a giant city..

[@sharkitty]

These videos are so neat. It's oddly interesting to see how people handle their money

[@GuyMichaely]

0:43 "I don't use budgeting apps, those things give me more anxiety than anything" I cracked up at this point

[@Luke-nc6em]

Imagine she tries to get a loan and the loan officer has seen this video. She chose to go to college and then says she won’t pay off her loans and doesn’t care about them. SHE TOOK OUT THE LOANS!

[@abbyc.4215]

You guys are ridiculous! She spent years studying for a degree that she is passionate about and is in a contract agreement with the government regarding her loans. She is giving the government a service by working in a qualified sector so no, she should not pay a single dime more than the $60 that she is already paying toward her student loans. Had she chosen to work for a private sector which would likely pay her a much higher salary then that would be a different story. And with the amount of savings that she has accrued, especially years after the video was made, I doubt that she would have any issues getting a loan.

[@suong534]

50% of the comments talk about Graham

[@wnytrashtrucks]

more like 90%

[@justrandomthings319]

Who is he?

[@suong534]

@@justrandomthings319 Graham Stephan has 2 KZbin channels talk about money management, real estate...ect

[@justrandomthings319]

@@suong534 Oh, okay. Please send me a link.

[@wnytrashtrucks]

@@justrandomthings319 kzbin.info/door/a-ckhlKL98F8YXKQ-BALiw

[@cateyes97]

A fellow Social Worker!!! I LOVE IT!!!! I would like to see work side jobs within her profession because she can really boost her income.

[@NateOBrien]

CNBC Millenial Money needs to feature Graham in their next video!!

[@simonethach7134]

@@litstylefit6370 me too

[@jwho4273]

Nate is too humble to promote himself so I'll do it. Guys check out his YT channel it's a great source of financial information!

[@colorfulcodes]

@@litstylefit6370 I only know about him because of all his fan spam comments

[@okokok2803]

They did. Well done Nate

[@JimBobe]

No they need to feature ME

[@warriorfoe]

Hey CNBC I got a video idea. How about "Living on $18k a year in Los Angeles, ft. Graham Stephan - Millenial Money". Yes, according to Graham he does live off of $1,500/month in personal expenses. Living in his duplex and renting out the other side helps him with housing costs. I think this would be a great collab idea and I think that it would really help both his show and CNBC.

[@YuShawStang]

This comment deserves more likes.

[@moreafterthistime]

They did but his was 1.6 million

[@noelalmanza6914]

Jesus Christ, the way she dismissed her loans, very concerning. And shes from NYU, imagine everyone else..

[@kayeserrano3093]

Leah if you're reading this you seem awesome!!! Working in public service is beautiful and difficult and you're doing amazing!!

[@99monee]

*goes to comments to talk about graham* *sees that every one here is already waiting for him*

[@Elsalei914]

“I don’t think the 3.50 coffee is gonna make a difference.” Graham Stephen is gonna love this 😂

[@juicejune-r9m]

I LOVE this person. "If you have money you should share it... Don't let money be the reason why you can't engage in certain things" wow I LOVE her, I hate feeling guilty for spending money and I hate when people try to make me feel guilty, or feed into someone asking for my opinion and hoping it's a no no don't buy it, then get mad at me when I tell them to spend some money on something they'd enjoy. Woooow. Thank you.

[@warrenmargetson597]

$0 entertainment, $0 clothes, $0 holidays, $0 eating out....

[@CryptoJackk]

keep uploading so Graham can make more videos!

[@colemanceri1440]

Graham!!! Time to make another video... Great stuff CNBC, keep them coming!

[@amylieu6084]

Graham and Borris are going to fight next friday at 8 PM. CHECK IT OUT

[@thepodlabs]

Cole Manceri Keep them common but also focus on a different area of the US besides New York and LA

[@abbyc.4215]

Such a cool girl! I seriously pray to find friendships with people like her. I come from a lower-class family and now that I am making 60k per year as a single woman, I have the same mindset about food choices, money and giving as her.

[@6Oko6Demona6]

She makes 70k, she saves 1k a month and has 5k in her savings account. Something doesn't add up. Well even if I count in her roth at 240 a month it leaves $750 a month so it looks like she started saving six months ago. Beside that she has 10k in her roth, that means she's been saving in it for 3 to 4 years. Math just doesn't make sense. And BTW $3.5 ice coffee makes a difference, and this agriculture subscription also does make a great difference. Also why would you invest $115k in a degree that makes you earn just a few thousands more than if you were uneducated. Do you really need that level of education to be a social worker?

[@alr5286]

Yes you need a master's degree to be a social worker

[@7arakooni]

Graham Stephen is gonna have a field day with this one

[@Essays4College]

who?

[@belle4978]

I am also a social worker like her but I just couldn't wrap my head at her reaction about her student loans. I don't believe in the loan forgiveness program and never will. The interest alone will make her loans double and I feel like she has that much loans now because of that. I did both my undergraduate and graduate in social work and my loans were already half of what she stated. For the amount of side hustles she gets I think that she could definitely increase her monthly payments! Anyways, to each their own.

[@hoodfella166]

It’s because she went to nyu for graduate school, that’s about 30k a semester

[@watermelonsheloves]

I appreciate that CNBC finally had someone who is more relatable to millenials in terms of finances. For lots of folks who do not have financial support from their parents, being thousands and even hundreds of thousands of dollar in debt is a reality. Many of the people featured through this series have been people who have had their education paid for by their parents, so this is a nice change for the series. Given all the debt Leah has and living in New York, I think Leah's relationship with money is healthy and overall balanced.

[@razackbalogun]

GRAHAM! If you see this, what is your perspective on going to a expensive college and inexpensive college in today’s age. THANKS

[@Chevie-YourTicketingGuide]

She has such a positive spirit! Love it

[@carnival30]

“I have about $115,000 in debt” Then cracks up laughing. Wow that’s so funny.

[@josephochoa1269]

I think that's nervous laughter of sorrow and feels so overwhelmed by it. The only thing to do is laugh because you know how ridiculous it is

[@amylieu6084]

3.50 ice coffee doesn't make a difference! Only 1,277 dollars a year she could save for debt..

[@iraqbeentheredonthat]

She also said if you have money you should share it, but has built up over 100K in debt and plans to play virtually none of it off.. she outta share that 70k to the banks who hold the loans.

[@NoahR-di1nu]

@@amylieu6084 hey, if that's what makes you happy in life then hell why not? Life is too short to save on the things you love!

[@johnnywang206]

She’s laughing because she knows she doesn’t have to pay it off

[@TheOneAboveAllx]

Just waiting for Graham to make a video out of this!

[@anmol3457]

Who is Graham

[@LimitlessLovely]

Graham Stephan does reaction videos to millenial money (he’s a millionaire and also a millenial). Search on KZbin, he’s great

[@anmol3457]

@@LimitlessLovely I know who Graham Stephan is. Didn't know he did that though.

[@howdontanalytics6158]

I mean she looks happy and healthy. I think that is all.

[@whitefangv]

I love her cavalier attitude about her student loan debt

[@TLB-wo7ld]

I didnt make that until my 30s so shes doing well.

[@hughflucas7075]

Well she lives in New York so...

[@ChrisDAndrealifestyledesign]

Millennial Money is the one of the only things that makes Graham happy 😃

[@russellwest9767]

Guys 70k at 25 is good. At 30 years old she should be at 100k or near it. Then at 40 she should be at over 100k a year. I make 70k in RI and I'm 26 and I am also a public service worker. Sure, my loans aren't 115k but I'm sitting at 94k and I contribute 200 bucks a month for my student loans. Trust I know social workers that make over 100k a year. Dont underestimate their earning potential. However, if I were her I would definitely relocate to a cheaper area.

[@nickprep4226]

Actually tho what survey sites pay up to 60$ an hour?

[@nickprep4226]

@@KZbinKZbin-hy4sl What's that?

[@MrCompetentG]

Who else thinks it would be a great idea to have Graham Stephan on Millenial Money? Then watch him critique his own money management on his show.

[@ericedwards12]

Alejandro Gaona 🙌🏻

[@hanaauchoybur9525]

@@ericedwards12 p9

[@rushopolis]

Her first mistake was going into over $100k in debt for 'Social Work.'

[@user-td7xf3gz4l]

Are they private or public loans?

[@levinsondsouza]

@@user-td7xf3gz4l if that's public then that's wrong

[@jmcginn75]

This series us so great. Keep them coming! Congrats to this young lady for doing good in the world and managing her money well!👍🏾

[@AminiumMusics]

who else waiting for graham reacting to this ahahah

[@justins2024]

Who is graham lol

[@amylieu6084]

@@justins2024 Everyone knows who graham is lol come on

[@RenaissanceThinking]

@@amylieu6084 I don't and no one I've asked seems to either...so please share.

[@justins2024]

@@RenaissanceThinking yeah someone please give us a link

[@amylieu6084]

@@RenaissanceThinking Yeah I was just making it up. I have no idea who he is.

[@victorialeeinnyc]

Honestly her job seems very rewarding in terms of connecting and helping others! Though being on Rikers must take a toll on mental health :/

[@nungacynderilla5095]

Hahahahaha 😂😂😂😂 she said I’ll just keep giving them $10 a month 😂😂😂😂

[@ld8797]

Girl okay! Same here lol

[@thotlauncher1354]

Can you do a blue collar worker now

[@SharonTseung]

I love this series. I'm also dying that all these comments are awaiting Graham's reaction video. 😂

[@Go_Boltz89]

Sharon Tseung same here. I even dropped the link on the video he uploaded yesterday.

[@SharonTseung]

Melissa Mendoza lol!!

[@thepodlabs]

Me too

[@carnival30]

Have you read the stats on how badly the student loan program is? The success rate is 0.5% 41,000 people applied and only 206 got it. I wouldn't bank on those odds.

[@gr86er]

That's because those people shouldn't have applied in the first place. They didn't meet the eligibility requirements. This person should be eligible.

[@thepodlabs]

carnival30 true

[@fionamumoki]

Where does the $3173 go from the rest of her paycheck?

[@BrieoRobino]

0:58

[@shahfinancialsapeur2693]

Her savings are really low.

[@BrieoRobino]

@@shahfinancialsapeur2693 how is saving over 25% of take home low?

[@xLiLtEmPeR]

@@shahfinancialsapeur2693 what is considered to be high??????

[@justteresiah]

The phantom drain 😁

[@sloanbanks9531]

Many move here because of opportunities. Opportunities are plentiful on the east coast in general. Boston, NYC, Philly, Baltimore, and DC are all major cities that offer incredible opportunities and events that attract young professionals. I left Chicago making $50k with an MBA. I came to NYC and with 1 year experience made $80k! I sold my car, canceled car insurance, saved on gas, monthly garage fees, saved on car maintenance, saved on bogus red light camera tickets and came out ahead. My boyfriend followed me here and he, too, came out ahead here. After 5.5 years we just bought a 2 bdrm with 1.5 baths. That is why people move here! FYI - my salary has nearly doubled from $80k in 5.5 years!!! Any more questions from people who..."don't understand why people want to live in NYC"?

[@khalclary2332]

Equity over equality? What does that mean?

[@mariefernandeaugustin1392]

khal clary it means that treating people the same isn’t always just. For example, a blind person and a seeing person cannot be treated “equally” as an expression of justice. You need to provide the blind person additional accommodations so they’re treated equitably. The blind can’t read regular books, they need Braille, walking sticks, helping animals etc to be equitable participants in society. The same goes for others who may be marginalized socially for whatever reason.

[@edventures9884]

I bet Graham’s filming a reaction video as we watch this haha

[@vd5218]

She lost me at the 115k in student debt but she only making 70k a year..with a masters..if you ain’t making over 6 figures a masters is a waste

[@katy3901]

Pretty sure you need a masters to be a social worker in that field?

[@gcg8187]

@@katy3901 that's dumb, she isn't a brain surgeon. 4 years of study is more than enough to do her job.

[@katy3901]

@@gcg8187 I can't claim to be an expert in that, it's just what I heard. Not her fault.

[@nmcelroy3540]

Actually it’s a state LAW that you HAVE to have a masters degree to do social work and to qualify for advanced licensure. Without mine, I wouldn’t have been able to test for my first licensure, which also opened up more job opportunities and pay.

[@maloneaqua]

I think a lot of people are missing the point. People have different values. The woman has an MSW, I imagine it's not because she wanted to be comfortable, let alone wealthy.

[@tyler6003]

How is she managing to give only $60 a month towards student loans of 150K? I am under the same program and pay almost 400 a month.

[@msspendlesssavemore]

It's based on your income.

[@blueblur1984]

Income based repayment...so that $115k will balloon to $250k in no time. My wife was in the same boat for awhile, but she got her master's and mft license young which effectively doubled her income. We're shooting for loan forgiveness (her job qualifies) but NO WAY would we count on it! Fewer than 100 people have gotten loans forgiven at this point.

[@MilitarAmericano]

Crazy how 70k in NY is hard but several states you can live without worrying.

[@JEWLES4EVER]

It's the difference between equity and equality? Am I missing something? What does that even mean??

[@2000Iria]

It means giving everyone what they need instead of giving everyone the same thing

[@morganadams4238]

She is what is wrong with US student loan epidemic. You went to school and knew you got into debt, owe up to it and tackle you debt instead of hoping for forgiveness in 10 years.

[@abbyc.4215]

So why don't you and others go and work with one of the most despised populations then? People in adult bodies yet with social and mental capacities of 12 year olds in many cases, violent criminal offenders, people with untreated diseases and sicknesses, the traumatized, mentally unstable, impoverished individuals, etc. There is a reason why the government created the PSLF program because more often than not, people do not want to work with these sorts of populations. She is in a legal contract with the government and it has been both verified and approved. Why ridicule her when she is fulfilling her end of the agreement? She is doing great with the amounts that she is saving and investing each month and especially at such a young age. This is public service at its finest and she deserves all of the benefits awarded to her.

[@crxracer805]

Graham is definitely going to lose it on the PayPal savings account omg.

[@yhctaw]

i had $120k ish in parent plus+government loans from my bachelor's. now it's down to $100 after 3 years... and that's from paying $700/mo and lump paying when i can with my yearly bonus... her numbers are sketchy: what about the crazy interest for your loans!?

[@kjcs2770]

Congrats! What did you study?

[@chevyjazz]

This impending recession is going to smack her in the face so hard. She is paid for government affiliated work. These programs get scaled back during periods of fiscal tightening. She could easily lose her job and she has $5k in savings...

[@josepha133]

You guys have a real problem in America in regards to student loans. Everyone’s complaining about having to pay so much to get a degree. Yet, in the comments people are complaining about having to pay taxes for other people’s Forgiveness Programs. You cannot have it both ways guys. The only reason going to university is free in many European countries is that the tax payers pay for it!

[@missyoobini]

Her attitude towards money is so refreshing and inspiring! Doesn’t matter how much she’s in debt or how much she’s earning at the moment, she’s already living the life she wants and she knows how to use money as a tool to live her values!

[@baatile]

$60 pm on a $110k+ debt... I’m South African but that doesn’t sound right girl 👀

[@low_key_f_key3237]

At 1:43 it mentions that she is apart of the Public Service Loan program (since she works for a public agency.) Essentially the philosophy of the Public Service Loan program is we'll forgive your loans if you work for in a public position for 10 years. The reason this incentive exists is to draw people away from the private sector who could make more money there. This isn't illegal, its an incentive (ie mostly free college tuition vs making more money + college tuition.)

[@rayneeseprimrose1034]

EliMarx I was so puzzled by her $60/mo payments until you explained it better. I’m in the PSLF program as well and make a little more than her and my min payments are $700ish+/mo under IBR. And my loans are about half of what she owes. I was baffled.

[@nikolnolastname4473]

I'm not on a public service payment program like her but I pay more than her per month with half her salary. She is living in la la land. Someone missed a zero on her paperwork.

[@michaelmichael3499]

I'm on PSLF and I pay $11 on a 20k loan. We are just lucky I guess.

[@michaelmichael3499]

@EliMarx no you're wrong. There is nothing wrong with her numbers dude.

[@Boltazzes]

Millennial money exist Graham Stephen :Its free real estate

[@michaelharris5281]

This does not have as many likes as it should 😆

[@GuyMichaely]

Graham taking his real estate expertise further than brick and mortar, smart move

[@nathanschmick9681]

$880 is impressive for rent anywhere let alone NYC. I live in the middle of upstate NY in the woods practically and good luck finding somewhere under $750 a month regardless of size.

[@b4tparodies526]

It's really $1760. It's a one bedroom shared with her partner. That $880 is only her share.

[@cinderea]

Why are taxes so high in the US. Her disposable income is similar to someone who makes 45k in Canada. Taxes are so high with no free healthcare and equally funded schools. #weird

[@PrepperFam6408]

4:55 "it's not something we're teaching women or marginalized groups"....how many women and marginalized groups in the US are NOT able to teach themselves about financial investments? Seriously, how many?

[@Kp-cb8pq]

20cents coffee 🤔🤔...

[@cameronblackwell2611]

Shiva Poli wow, a comment not about Graham?!

[@amylieu6084]

@@cameronblackwell2611 He is boxing Borris next friday! Borris owes him money and they are mud fighting until a bone is broken or someone cries "uncle" !

[@NickOloteo]

Cameron Blackwell graham drinks 20 cent coffee so no, this is about graham haha

[@amylieu6084]

@@NickOloteo ITS ALL ABOUT GRAHAM> HE IS RICH AND HAS A CAR IN HIS HOUSE> OMG OMG I CAN BE RICH LIKE HIM TOO!!!!!!!!!!!

[@clixyclix5864]

@@cameronblackwell2611 nope, signature of Graham

[@mariaangelicajapos6328]

" not gonna buy vegetable for 26 weeks? coz fridge is full? wait vegetables takes couple of days only before it expire.im confused

[@katy3901]

Seems like a cooperative programme- so they get deliveries every week or so.

[@veo16]

Such a nice personality for working in a jail. I’d expect those types of jobs to be soul-sucking.

[@xcmk]

1:45 If you paid 10 dollars a month towards your student loans, not including interest, it would take you 834 years to pay off 100k. I find it hard to believe a loan company would accept that

[@melanim9943]

Is no one going to comment on her work? Helping incarcerated men who have diseases... like that's amazing.

[@epicswirl]

Right now I’m 21 making $70k with a $1290 mortgage I’m worried about budgeting for a new car.

[@CryptoJackk]

my savings account is my paypal account...okaaaaaay then

[@TheMichelex20]

I would recommend that she attempt to pay off as much of that debt herself as well. 70k is not a bad salary and she can get ahead of the debt actually. Fellow social worker here. Many people don’t realize that in most states to call yourself a SW you must have a masters. Second not all SW are low wage earners. That salary is pretty normal in healthcare. But only 1% of individuals that have applied have receive direness one addition to this program being highly unstable depending on what administration is in office. The program could become defunct.I hope she reads this but if she’s serious about having some of this loan forgiven look at some federal agency jobs(ex:dept of defense or VA). If she gets an LCSW she could work for agencies that have federal healthcare forgiveness NHSC LP. Better options if you can.

[@laranini9660]

Yep I know many people working in social services calling themselves a social worker without having a masters and being licensed

[@caimmi]

Is there anyone in this comment section that DOESNT know graham?

[@amylieu6084]

GRAHAM AND BORRIS FIGHTING NEXT FRIDAY AT 8 PM!!!!!

[@silver831cali3]

Me. Reading comments before i look it up. Graham?

[@amylieu6084]

@@caimmi Yo bitch, Graham owes me money.

[@coffeepandacat]

me

[@komailmah4943]

really liked her vibe! hope she always stays happy.

[@alexstar8005]

Love that she said she will just give them $10 a month. 😂😂

[@rorobaalbak1168]

Her last 5 sentences are GOLD

[@hanaaboya5835]

Oh my gosh how relaxed she is on her student loans! 🤩 I can’t even sleep when my credit cards pass $1,000😄😀

[@selflove428]

Me too give me heart attack of 500 debt

[@blueyedaxo]

Note the attitude if you have the money you should share it....What an unsurprising view from someone who has none and isn't working hard enough to pay off her share to help others. This girl is obnoxious with privilege.

[@livin3179]

She’ll just give them like $10 a month

[@selflove428]

@@livin3179 ikr

[@avazara]

She is just so lovely- so nice to see such great people

[@Deletednamelol]

Not gonna watch, need Graham’s video to go up first want to watch his reaction alongside the video

[@Ravenex2]

This is beautiful........a person who knows how to manage their finances.

[@gr86er]

Except that she's 100k+ in debt and has no plans of paying it off.