Living On $75K A Year In NYC | Millennial Money

Emma Sadler, 29, earns $75,000 a year working remotely as a UX designer and part-time shipping coordinator in New York City. She lives with her daughter, 9, and mother, 72, in a one-bedroom apartment on the Upper West Side.
This is an installment of CNBC Make It's Millennial Money series, which profiles people around the world and details how they earn, spend and save their money.
When the Covid-19 pandemic hit New York City in early 2020, Emma Sadler didn't need to wait long to find out whether or not she was keeping her job. The 29-year-old was told that her role as a restaurant manager for Union Square Hospitality Group in the Museum of Modern Art (MoMA) had been cut just a day after it closed its dining room in March.
A single mom with a 9-year-old daughter at home, Sadler suddenly found herself with no income for the foreseeable future and a career dependent on restaurants opening back up.
"It was really tough because I had to sit my daughter down to let her know that I was no longer going into work," she tells CNBC Make It. "I wanted to be very transparent with her that money was tight and help her understand that she couldn't get things she wanted because I didn't have the funds at the moment."
Sadler's problems didn't stop with the newfound lack of income. She was also saddled with $15,000 of credit card debt - a sum she describes as almost appearing out of thin air after a year and a half of spending beyond her means.
But she didn't let it stop her. Over the next 12 months, Sadler committed to improving her financial circumstances. She focused on eliminating her debt with the help of New York State's pandemic aid program and signed up for a three-month UX design bootcamp, which would allow her to embark on a new career.
Sadler now earns $60,000 a year working full-time as a UX designer and $15,000 working part-time as a shipping coordinator with a New York ice cream shop, with an eye on moving up the UX career ladder.
"If I had never lost my job during the pandemic, I would have been on a very different path," she says. "While finances were really tough for a while, I've been able to reinvent myself and put myself on a different path that truly makes me happy."
Investing in herself and her career
After losing her job, where she earned around $60,000 a year, Sadler initially held out hope that a return to the restaurant industry would be just a month or two away and that Union Square Hospitality would find somewhere new to place her.
She also applied to managerial roles at places like Sweetgreen and Levain Bakery. "But nothing came of it," she explains, "because I was suddenly competing against 40 other people with really good experience like I had."
With the realization that the restaurant industry wasn't bouncing back any time soon and that her daughter would likely be going to school remotely in the upcoming year, Sadler, who holds an associate's degree from the Fashion Institute of Technology, knew that she needed to find a career that would better fit her lifestyle.
She considered going into coding and working as a software engineer, but decided against it. It wasn't until a friend encouraged Sadler to look into taking a UX design bootcamp that she realized it fit well with the love of art she got from her late father.
"My father, being an artist, fueled my passion to go to art school in the first place," she says. "It's come full circle now with my new career. He started me up in a graphic design background, which worked very well when moving into UX design."
The three-month course, which she took from August through October 2020, cost $12,000. She's paying for it through a two-year, zero-interest plan that costs $538 a month.
"It was scary," Sadler says of her decision to take the financial plunge. "I remember talking to my mom a bunch being like, 'Am I making the right decision? Is it going to be worth it? Am I crazy to blow all this money on this investment?'"
It was also a sizable time commitment, requiring her to attend virtual classes during the day and work on her portfolio and other projects at night. She would routinely stay up until the early hours of the morning getting everything done.
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Living On $75K A Year In NYC | 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​

[@remissao13]

Would you guys be wiling to do one of those in Brazil?

[@andieb3632]

How many times can we apply! I love your show!!!!

[@jaineas]

@@remissao13 I'd love to watch this episode.

[@remissao13]

Thanks,@@jaineas ! I love international episodes as well!

[@mtizirawaylernyika7653]

Tttttttt

[@BarakaGitari]

Seems like the only way most people can afford to rent in NYC is from rent stabilized apartments inherited from their families.

[@yasinali3754]

Pretty much nyc is so expensive. Apt in Brooklyn in good neighborhood 600k. Wth

[@myvids718]

Yeah I would never move here if I wasn’t from here. People don’t know how crazy that looks to native New Yorkers lol

[@haute03]

I'm actually surprised they haven't done a series on people moving into new apartments given how much the rent prices in both residential and commercial spaces in NY have dropped since the pandemic. I know a few people who have either moved out of the city entirely or into a better apartment that's equal to or less than the price of their former apartment.

[@Angela-ne9cy]

I've lived in NYC for 16 years and just found a rent stabilized apartment. 350 sq foot studio with a 200 sq ft backyard and 3 closets, including a walk-in. Finding this was a holy grail moment and I (quite literally) will likely grow old here.

[@essymess8333]

Like in most places on 🌍 nothing new, but still the problem we need to think about.

[@MarshmilloJB]

I love that she’s helping her mom + that her mom is helping her with her daughter. That’s how it was in the olden days, that’s how I’d like things to be

[@donovaneretzfarrakan5716]

Forget it. Stay in China instead

[@rajsra3842]

@@donovaneretzfarrakan5716 loser

[@donovaneretzfarrakan5716]

@@rajsra3842 Stay in India !!!

[@UnknownGamer-uz5iz]

Why are you so happy in the profile pic Cant relate

[@MarshmilloJB]

@Minimal Gypsy hahaha I can relate! I grew up with a full house; it was just as merry as it was crowded

[@ciel222]

There's nothing WRONG with living with family members . In many cultures around the world family members live together , it's similar to having roommates. She is doing good , I wish her all the BEST 😊

[@Geneiveve]

Yea, but you cant find yourself as an individual. Family life has a lot of dependency and expectation for self sacrifice. If your never find yourself outside of the family it can be detrimental to growth and development. I appreciate the independence of adulthood. I think it is so rewarding.

[@thelegit969]

@@Geneiveve some people find being with their family more rewarding than finding oneself.

[@Geneiveve]

@@thelegit969 Yes, because they don't have a self. They don't have an individual identity and therefore the family is all they have. I think that having a self and a family is why life is worth living.

[@fallacyfallout6985]

@@Geneiveve I think it is possible to find oneself even while living with family. In many Asian cultures including mine, community is as important as uniqueness. I'm from India which is a very diverse country with ancient philosophies heavily focused on self liberation. So I think self and society can coexist harmoniously.

[@Geneiveve]

@@fallacyfallout6985 I agree with you. But, you cannot truly find yourself unless you , at some point detach from the family. This is natural. A child must do it to become an autonomous adult. This does not mean that you never return to the family and community. You do. However when you return you are more self assured and confident in who you are as an independent person. In other words, you no longer look to the family for all of your decision making and financial needs. With this kind of independence you can move about the fearlessly. There is no way that a person can discover himself if he is meshed within ambiguity. Individualism requires one to become independent and self reliant. This for the purpose of self discovery and eventually personal contribution to the family, community and the world. Detachment from the family or community requires that one learns to think for himself. , make decisions for himself and live according to one's own principles , while doing what is morally acceptable to ones self. If a person does not detach himself emotionally from the family he cannot become his own person. it seems that eastern culture does not want men and women who stand on their own convictions and think outside of the community. The family/ community desires to control and dominate the moral/ ethical influence on the individual mind. But, this is not love. At some point in life one must decide what is right for himself. We all live individual lives even though we come from a family. Just because you come from a family with traditions this does not mean that you should not lead your own life according to your own self derived principles. What, I have observed with eastern culture is that it refuses to fully accept the individual. It regards the individual and the culture that encompasses it as morally evil. But this is because there is a selfishness on the part of parent and extended family. Albeit, an unwillingness to allow their children to be free and independent. There is, in many Eastern societies, the desire to control the will of the individual for fear that the individual will blot out and even obliterate the old customs and way of life. Therefore, the individual is repressed. Which has, in many countries led to high suicide rates. I truly believe that in order for freedom to prevail the individual must be in a position to flourish. Therefore one must be free from the influence and pressure to belong to a group/ tribe/ family/ community. There can be no freedom if one is feeling obligated to do and act according to the demands of the community and prevailing culture Free people = Free world. A free world is one where there is no fear. Where there is no fear, there is no marginalization and oppression. But, I am concerned that you may not realize or know what it means to be repressed by your own family/ community. So many Asian and African cultures have no idea about this because they are taught that putting your family first and yourself last is noble. But in truth if you do this then you have no self love. Who can take care of yourself but you? Nonetheless, I understand that the prevailing belief is that the family will care for you and the community etc. Therefore, you should put them first and forget your personal needs. That is why western culture is such a hard pill for the old school easterners to swallow. They do not understand self reliance. They do not understand independence. This why they support socialism and communism. This is why they demonize the west. However I am not here to demonize the east. I am saying that the philosophies of the east and west must be integrated in order to cultivate a free world. Have you ever read the philosophy of J. Krishnamurti? He was a simple yet brilliant man. * forgive the typos*

[@gabrielleoates8621]

I really appreciate how she adapted to the job market and took a leap of faith to complete that course. Seems like it’s paid off and will give skills that she can build on for a long term career

[@joeyhyland]

@Minimal Gypsy was it hard to find a job as a UX Designer after bootcamp?

[@caroline75016]

@Minimal Gypsy Thank you for sharing! One reason I'm hesitant about going into UX is that I keep hearing how difficult it is to get a job in the field.

[@dddaaaannnnn]

This is a great one. Emma's in a very modern situation, but with her financial sense, she's making the best of it, and it seems like she's thriving.

[@katy3901]

@Minimal Gypsy Good for you! This has been by far my favourite episode, thank you so much for sharing.

[@justineodyne8829]

@Minimal Gypsy very inspiring

[@DanceParis]

@Minimal Gypsy Great out look, from one NY'er to another 😊.

[@sqh9165]

This is great. So much more realistic to the life of a New Yorker. I hope she gets that pay raise!

[@organizedchaos4559]

Rent stabilized isn’t normal. Most people aren’t in rent stabilized places

[@teamene9034]

@@organizedchaos4559 they didn't say normal in the sense of commonplace. They're talking about realistic in the sense that not everyone in new york is a finance grad making six figures at the age of 22, which is a lot of what we see online!

[@organizedchaos4559]

@@teamene9034 well that's true, but not everyone makes close to 100k by the age of 30 either.

[@beingemma]

Very true@@organizedchaos4559 my partner, if he were to stay at his job it will take him at lest 10 years before he gets to that figure. But his job is more secure than mine in tech.

[@irismarie6515]

I went back to live with my mom too. Same situation single mom one bedroom apartment. Six months later I bought my first house. Society shames us for not “seeming” independent but struggling to make ends meet just to live alone is no way to live. Smart move on her part.

[@crooked52h]

Many men struggle to make ends meet and live alone after divorce losing 1/2 of assets house ,car ,pension, 401k etc and the risk of suicide increases as well plus men have less shelters

[@glenouma8037]

Are you dating?

[@beingemma]

Congrats on the new house! That is amazing. I did move out to a 2 bedroom but still dream of a house one day. That is the next goal.

[@Tabbylover55]

3 generations living together is a wonderful gift, and certainly nothing to be ashamed of. Her daughter is forming a strong and lasting bond with her grandmother, which is very important for emotional health and growth, especially during the pandemic, and I wish more people saw the benefits in that. 3 ladies supporting each other to make it in this world is truly inspiring! I would have loved to learn and hear more from the grandmother lady and all she went through in her life. I also loved the photo of the dad, I am very sorry for their loss - she speaks so lovingly of him, you could tell it was a huge blow. All the best to the family, how wonderful to see such resourceful ladies!

[@TheBohodiva]

@Minimal Gypsy I don't even have kids and my mom and I live together. I have a really demanding job and she helps me so much. She is widowed and doesn't really like living alone. She has great stories and is really a fun person and doesn't prevent me from living my life at all. I honestly love it but I get what you mean, people our age think its odd. But with the pandemic its becoming normal.

[@berksarioz969]

Getting laid off twice due to pandemic, I really appreciate seeing your resilience. I'm actively looking for a job again but also applying for higher education online. Thank you for your story :)

[@voutoo7899]

Pandemic is a good time to go back to school. I am doing the same thing. All my jobs are remote including my study.

[@cathyc8461]

Really liked this story, thank you and best of luck in the future

[@kamakaziemelon]

Her dad (and mom) seem like so caring and genuine people, I could even feel the hugs through the screen. I'm glad she followed in his footsteps as a designer.

[@beingemma]

They really did do their best and were good people. It can take a child many years after to realize their parent's intentions but I am grateful everyday for them. I even have taken to my dad's footsteps starting my own art business on the side.

[@husnainshah443]

Never stop these!!!!!! They are soooooo good!!!!

[@hopelife8130]

need u save met

[@husnainshah443]

@@imonim7775 right! People should be more open to talk about finances!

[@husnainshah443]

@@imonim7775 that's why so many are so un educated about money

[@alexanderbernard7846]

Very nice episode, oddly enough she looks like her mom even though she was adopted.

[@EvitasBudgetingLife]

I thought the same thing.

[@drewskiv686]

@Minimal Gypsy you have a good head on your shoulder. People respond pretty differently knowing they’ve been adopted.

[@berksarioz969]

I'm sure it helped looking similar.

[@blznft9513]

@Minimal Gypsy God bless you and your mom

[@vee9043]

If you feed them long enough they start looking like you.

[@DavidinNYC]

This is amazing, someone who’s supporting 2 people and living in NYC is not easy!

[@Neil542]

Almost hit with me with the waterworks hearing how hard she’ll go for her family just makes me realize how much my parents have probably had to sacrifice for me

[@beingemma]

Aw. It can take years to truly realize what our parents have done for us. When were are in the moment or young it can be easy to dismiss. I know my daughter right now truly doesn't understand the sacrifices I make and that's okay. She may or may not, but in the end I am just doing the best I can which is also what my parents did for me.

[@VerStarr]

Normalize remote working!!! No more commutes!

[@balthorpayne]

Big amen to this. Finishing my degree now so if I hear anything about "going back to the office", I can go back to putting out resumes. Commutes are so 2019.

[@TaureanBaby]

@@balthorpayne 😂😂😂 I'm stealing this..

[@balthorpayne]

@Luís Andrade Agreed. The only downside I see are large business districts suffering and the people who work within them (Downtown Chicago area has been night and day). Outside of that, its incredibly positive in all aspects. For the first two months I was not a huge fan, but I don't ever want to go back to full-time in an office.

[@0neofthem]

Boomers in charge will ensure that remote working won’t catch on. They value “butts in seats” for 8+ hours over all else.

[@balthorpayne]

@@0neofthem Depends. Remember, there was a time if you were white collar, you actually dressed as a white collar worker. I have had two white collar positions now where gym shoes and business casual dress was completely fine. Depends on the culture of where you work obviously, but the shift has been obvious.

[@francescorossi8299]

I really enjoyed this episode; it was genuine and it truly helps the young viewer understand other people's lifestyles.

[@nehasehrawat1025]

Same I wish people post more genuine stuff like this on channel rather than tacky clickbaits

[@noone-um4hk]

I live in a three generation household as well, my mother-in-law lives with us. I can't tell you how much of a blessing it has been, she helps with the kids, the household chores, and pays some of the bills. Our children also get to be alot closer to their grandmother. Making ends meet is alot easier with three people, as long as everyone gets along 😅

[@msthing]

You are truly blessed with amicable family! Some can be much more unpleasant (mental health, alcoholism, irresponsibility...), and this idyllic situation just cannot happen...

[@noone-um4hk]

@CNBC Make it sure thing, I will definitely contact an obvious scam from a fake account 😉

[@hughflucas7075]

@CNBC Make it stfu

[@LifeofKairo]

Emma: does 3 month UX boot camp for $12,000 to make probationary salary of $60k College graduates with $40k+ student debt: 😭😭😭

[@hopelife8130]

just need ur help brother

[@kindred42]

40k ....you're being nice....its can be well over 60k... yes. Yall....trades and certifications...think real hard before pursuing the traditional college framework. Issa scam when it comes to certain degrees

[@wildernessinwilderness8032]

I did a 3 month coding bootcamp at 19 years old instead of college. 2.5 years later I’m making 103k in Texas at 22. Look into other options! Anything in the tech space can be learned outside of college.

[@yasinali3754]

Just get a cdl job 4-8k in training and make 70k. Owner operator can make 250k+. Lifestyle is harder, but can be enjoyable

[@victorianoyola3102]

Nothing wrong with going the traditional route for education just be smart apply for scholarships, grants take your time in choosing a career that will always be in the market. Many people change their careers after college and never do what they paid to study nothing wrong with that but if you don’t want your money wasted choose wisely. I joined the military and used my GI Bill I know that’s not everyone’s cup of tea but I don’t have any student loans never had and I get paid to go to school and all while gaining work experience don’t be too quick to follow the herd work experience goes a long way nowadays than a college education.

[@KristinaTruong]

It's awesome to see how close this family is! Also, I need that spice muffin recipe

[@aminat643]

Loved this video! I like how she came full circle from starting out with graphic design and then pivoting doing UX design.

[@additional09]

This must be one of the most realistic videos of life in NYC for a millennial - wonderful! It's always interesting to see the complex lives we all live.

[@beingemma]

Thank you! I originally applied when I was a restaurant manager but got the call when I had transitioned careers. I really wanted to bring a new perspective to NYC living.

[@TheMichelex20]

I think that’s beautiful that 3 generations live together. I wish her and her family all the best!

[@elleyu9837]

Love how realistic this episode is! Thanks for showing more normal/random relatable people on nere!

[@beingemma]

I'm so happy that is how you saw this episode.

[@LivingSwedish]

It's so important to teach our children personal finance 🙏🏻✨🤑

[@LivingSwedish]

@Minimal Gypsy ❤️

[@nehasehrawat1025]

@Minimal Gypsy from where did you learn about financial? My go to place is khan academy

[@ye23.]

This is interesting because at first I thought young kids shouldn’t have to think about money so you shouldnt disclose when money is tight ...but it makes sense that if you don’t they’ll just believe that money is readily available and comes easily

[@LivingSwedish]

@@ye23. Yeah, I totally agree! It seems like it's best to not make kids worry about money but it will be so beneficial to teach them all about money, plus it makes you, as a parent, more aware of your own finances I feel.

[@CalebOliver]

A single mother doing an amazing job! Great job CNBC!

[@lvega5606]

This was a good episode. I really liked seeing the lives of "true New Yorkers." I think it's great that the family lives together.

[@pn7134]

What a beautiful episode. I loved how honest they are with each other about adoption and about job loss.

[@beingemma]

I believe transparency is key in the world. Sometimes it is harsh, yes. But it also gives you the power to move through with grace.

[@amberresendez6777]

I definitely agree that these days people shame those who still live with their parents, but coming from a latino family, its totally normal. I'm in my mid twenties, going to school and working, while living at home. I've moved out a few times before but always end up back home. My parents are trying to convince all her kids ( 3 of us) to stay home as long as we need to until we save for our own home. I love being at home with my family. I'm definitely blessed..

[@jesuslover5968]

Lucky I think the best feeling in the world is having a support system. My dad can’t wait for the day I get married aka he can’t wait until I get out of his house 🥺

[@bettywith2girls]

@@jesuslover5968 I didn't have a supportive family either, and have had to protect myself from them at times for my safety and wellbeing. My mother passed away recently and instead of being sad, it was a relief that she couldn't do things to hurt me or my family anymore. I vowed I would raise my kids differently and did, with my kids saying how glad they are. You get what you get in life, it's a cr@p shoot, as they say...you can either be bitter or use this as a learning opportunity of what n-o-t to do, use what little good stuff you received, and learn to protect yourself. I'm sorry you are in that position. God bless.

[@rexyzvent5864]

The rent situation is nice but 1 bed place for three people???? Cramped but could tell it was very homely and cosy and they get to live in a nice area

[@erikaroldan4889]

reminds me of charlie and the chocolate factory

[@allysellsitall]

New Yorkers are used to it

[@nataliefontane]

I'm not sure how her parents qualified to adopt while living in a one-bedroom. Either Russia doesn't care, or things were very different back then. You can't get away with that now.

[@santiagosala9505]

@Minimal Gypsy Interesting, cheers from Spain Emma, hope all goes well for you!

[@breezluize3282]

"Homey" not "homely".

[@accidentsafe]

Beautiful family. Very relateable content.

[@Lnetta2Lteezy]

SO glad to see my career on here!! UX design is awesome and she has such a great journey from here dad being a graphic designer and starting there and then going into culinary after his passing. I definitely hope they raise her salary soon 💪🏾 and maybe she can get another place with more space for the fam.

[@Lnetta2Lteezy]

@Minimal Gypsy Of course! And I will definitely connect with you! :)

[@beingemma]

Thank you! Update I have had my own place now for 3 years. I will be dropping a tour of my new place in just a few weeks.

[@kdilli6426]

This was a really inspiring episode. Thank you for sharing your story!!

[@netayconnection6236]

Honestly loving these videos!!!

[@davance4]

I love that you picked up a new profession immediately as covid hit. That’s a great hustle and transition. Bravo!!! Keep on doing you

[@kgal1298]

This is insightful. I also like how she was able to pivot, but also took on that debt to do it consciously because that's not a low amount, but the UX field is one that has some amazing growth so I think it'll work out for her long term.

[@FinancialShinanigan]

I'm watching while sipping on my 20 cent iced coffee

[@peaceandfood7952]

I just made my own avocado toast...

[@amandamuzyka3704]

Finished my 20 cent iced coffee a few hours ago and am now sipping my free ice water with a sqeeze of lemon (from my tree) :)

[@FaivenFeshazion]

Me too 😂😂. Can’t wait for his reaction vid!

[@williamleung9217]

Wow, thats so low for a UX Designer in NY. SF average is like $125k with potential yearly bonuses. Give this woman fair salary ASAP!

[@nile7999]

@Minimal Gypsy Kindly, good vibes aren't relevant here, or at least you'll be at the mercy of your employer. In this world, competing offers and shopping around (looking at different employers/companies) are what matters for negotiation (not how good you are, how much you work, how much you made the company, etc. The most important thing is "Are you wanted by another company?" and "Do they pay more for us?" when it comes to negotiations). Obviously it's easier said than done to get a bunch of job offers, especially for someone new to the field, but even if negotiations for your current job go well, don't "stay loyal" to your employer, keep looking, keep your interview skills fresh, and with 1-2 years of experience, job hopping could get you +15% easy! Don't rely on luck or a business's kindness, but best of luck haha

[@oshanna.yvette]

Her story really resonates. Seeking higher education single mom needing to move back in. It’s truly a win win! ❤️

[@impressionsofjapan8683]

Favourite episode so far!

[@gabigoszczynska8153]

Love that this is relatable and real

[@raconte-moialice9509]

Refreshing episode 👍🏾

[@LenaMatildaCats]

Absolutely loved this episode!

[@investinstyle-financeinves1181]

"That's impossible" -Kevin O'Leary

[@jovandraganescu1406]

Proud of her!! Keep up the good work!!

[@KynaNg123]

Emma seems genuinely kind and motivated

[@beingemma]

Aw, thank you! I am glad it can radiate through.

[@akm960]

Its very important to note this is her childhood home meaning that the rent hasn't gone up much since her parents first got the apartment. Because there's no way anyone making 75K with a child would be able to live there.

[@sorted.1235]

Thank goodness for intergenerational housing AND rent control.

[@akm960]

@@sorted.1235 Right, I also like how she's open to her young daughter about money and finance. I remember when i was a kid and asked about money i was told to stay in a childs place. Lol 😆

[@mickyosully4592]

@@sorted.1235 you disgust me

[@amunra4015]

Not true. I looked up 1 bdrm brownstone rentals in the upper west side and found several for under $1,600 per month. Her family is paying $1,400. That's really not THAT much of a savings.

[@ezyryder11]

@@amunra4015 3:08 she says it’s $400

[@fredericksharon6908]

She has a very loving/warm persona 😊😊

[@tyxeri48]

Given that someone has a decent relationship with the parents, living with the parents is a win-win situation for everyone. Good for them both.

[@robwilliams2410]

Lovely and compelling story. Thanks for sharing.

[@SamirNYC]

Pls don't ever feel shame living with your mom. Im sure she is very happy seeing her grand daughter on daily basis.

[@beingemma]

We have moved out since but every week my daughter goes over for English lessons now.

[@mouslydowdow5176]

She’s resilient if i’ve ever seen it! Bravo emma, wishing the best for her and her family :)

[@rachiboo14]

Such a great family, this was really heartwarming

[@greeneyes1313]

Talk about a pivot pro! She's doing an admirable job rolling with the punches. Best of luck to you, Emma!

[@dr.paulinetimmons1620]

This is a sweet episode- best of luck to you and your little family.

[@anyasyht]

This is a great story! Good on her on pivoting!

[@cg741graf5]

Thank you for sharing and your family is beautiful!

[@Dreabz617]

I totally agree with her that in the U.S. living with family past a certain age is really stigmatized. I’ll be turning 30 soon and still live with my brother. We save a ton by splitting expenses and we cover each other when one of us needs help that would’ve otherwise cost money( like we’ll watch each other’s dogs, buy each other food when one of us has a little extra money to spare, and split certain chores like we did when lived at home with our parents). I also feel like we can call each other out without being awkward when one of us is being messy or doing something around the house that the other doest like because we’re so comfortable with each other. I’ve lived with roommates before and in my personal experience it’s not nearly as comfortable as living with a relative. I’m Mexican though and in my culture it’s totally normal to live with relatives at all ages.

[@beingemma]

I agree with this! I have never had roommates but had friends and dated people who did and it just seemed like a bigger hassle. Family could also be a disaster but like you mentioned it is more comfortable and open with family versus a roommate. So in general I would choose family to live with if I had to. But that also is if you are blessed to have a good family relationship, so happy to hear you have such.

[@marvinbrown1717]

I love the continual diversity Millenial Money showcases!

[@rhall5610]

Wishing you all the best! You are a great example for your daughter!

[@classical421]

I loved this story!

[@iqrakhan9968]

This was a beautiful episode! So much respect that you are living with your mom in her old age. Our society looks at our aging parents as a burden now. God Bless

[@TomBradford]

What a wonderful, inspiring person - I wish you and your family the very best 🙏👍

[@iamwindchakra]

I think it's great that they live in a multi-generational home. Her daughter is getting so much great time with Grandma. This lady is so commendable. Taking on that financial literacy and embarking on a new career in the midst of a global pandemic is inspiring. She may be getting the bulk of her help from her Mom but will soon earn enough to take care of her Mom and that is really something. The only thing I would caution is being too wrapped up in her roles as Mom, Daughter, and caregiver to enjoy life. She is still young. This is prob one of my favorite profiles.

[@truevizard]

God bless you Emma and your family. Wishing you success and wealth for your coming days. This was awesome

[@CABAJO9]

This chapter i can summary in one word.....love.

[@beingemma]

I am blessed to have lots of it. Certainly shows the power over time of what love can do.

[@msf8297]

this story encourages me to keep going

[@Hannah-sw5it]

What a beautiful family! One of my favorite making it stories to date.

[@snterp]

This is a great episode!!! Good luck to her!

[@snterp]

@Minimal Gypsy Keep saving and investing, consistently and conservatively, with an eye on retirement and your daughter's future! And definitely consider a life insurance policy with your daughter as the beneficiary. (If you take advice from KZbin).

[@snterp]

@Minimal Gypsy It's none of my business, but please look into term life insurance with your daughter as a beneficiary. It's something all single parents should do. It can cost around $20 or so a month and provide your beneficiary with a significant amount (usually $250k or more, but you can choose) in the event something happens to you. As a single parent, it would give me much greater peace of mind.

[@J0IJ0IJ0I]

Omg FIT Alumni! I’m going to FIT right now. Great story!

[@J0IJ0IJ0I]

@Minimal Gypsy I’m finishing up communications design but doing art history and museum professions as my bachelors!

[@TheDanaYiShow]

This was a great one to watch! Really inspiring story, and she's doing great on the financial front! Great video CNBC :)

[@jeshtermonster]

this is so wholesome!!!!

[@November441]

Such a beautiful family! It’s good to see my fellow New Yorkers. You are doing great!

[@ipsilonia]

i love the 3 generations living under one roof and making it work!

[@JasonKlunk]

Good for you Emma, keep crushing it 💪

[@paigeforde9280]

This was great. Would love if CNBC makes more videos like this outside the US once things eases up a bit.

[@caroline1844]

Love this!!

[@kirsy16]

I really enjoyed this one. Thanks for sharing your story. Wishing you and your family all the best! :)

[@shaminghuang10]

you just need someone who knows their stuff and of course has the heart of a teacher to help you become successful in whatsoever investment you decide to venture into.

[@leonmarkjovic6354]

By someone you must mean a properly educated and accountable portfolio maneger.

[@shaminghuang10]

@@leonmarkjovic6354 Yes of course.

[@dennissmith2030]

Didn't you hear? You don't need an MBA in finance to make basic investing decisions.

[@hayden4653]

I know my stuff. Gimme your money and I'll turn it into a million by throwing it at GameStop

[@rojasjerry5821]

If I had ever inherited that much money I'll find a way to make it grow, so that I don't ever have to work again. Both me and my wife. In fact even our children, would never have to work for anybody but themselves.

[@5945751]

Thanks for sharing your thoughts and insights, love the family environment. All the best to you and your family.

[@5945751]

@Minimal Gypsy Thank you

[@mickylord21]

You just embody resilience. I hope things work out for you. You deserve it!

[@PrincessSakuno]

I learnt alot from this episode and i feel like Emma is really smart and hard working. She knew when to pivot and what to tackle first to get it out of the way, like her credit card debt etc.

[@beingemma]

Smart, still learning. Hard working for sure. Always learning on how to combine them

[@NicaNuestro]

She is on the right track, I commend her for her resilience and grit.

[@business_central]

That such an incredible story! Wish her more luck and success in the future! Might go for similar bootcamp I feel like

[@victorialazar8753]

I loved this!!

[@karangoraksh6859]

Everyone should take care of their parents in there 60s or if they are having health issues. Your mom in 72 ... You are a wonderful daughter and mother.

[@marlonc3516]

This is really great and heartwarming!

[@tyler6003]

How many times are you all going to do NYC, or the Bay Area? Do other cities in the country dang.

[@andredavis2928]

But yet you still watch the videos...

[@blznft9513]

@Luís Andrade Doesn't have to be this channel

[@jessicaran148]

You do have to remember this is a KZbin channel. Maybe the people running the channel only know people in New York and the bay.

[@thirteenwolfies]

Such a beautiful family! Your daughter is a spitting image of you!💕

[@EmpireTextbooks]

Huh? They look nothing alike

[@thirteenwolfies]

@@EmpireTextbooks the eyes especially!

[@ToddBaldwin]

Remote working is the future!

[@KKJxSTAR]

Emma, you are an amazing human being!

[@leoneranger9348]

Well done to this lady 👏🏾 she pivoted into a new career, despite the insecurity at the time, and now works in a growing role that aligns with her interests and has better flexibility to be with her child.

[@beingemma]

Thank you! The flexibility to be with my daughter has been huge. The industry is taking another shift now, so requires more adaptability but my daughter is older now and still a blessing compared to my previous career.

[@rocklesson86]

You did good. I love how you were able to adapt.

[@rocklesson86]

@Minimal Gypsy you are very welcome. I love watching these videos especially ones for NYC because one day I actually want to move to NYC once I save enough money.

[@empressoftheskies]

That's resiliency! Kudos to her!

[@cocomarineblu993]

Great episode !

[@jasonandoy4740]

Kudos to you! Being a single parent is tough, single parent in nyc is even harder! You’re doing great. It would be great to see a single dad on here also! Hit me up millennial money!

[@miriamstrauss]

Ya agreed. And living with/watching out for her mom!

[@anojansmart]

Beautiful family, wishing nothing but the best for them

[@leemzx9730]

So Inspiring.....she really rose through the ashes despite the Pandemic craziness 🙌🏾👏🏾

[@esonon5210]

Can we do one in Chicago or at least somewhere in the Midwest?

[@AlexPortillo3]

There’s 1 in Chicago, and like 2 on the suburbs

[@stellapark6893]

THANK YOU CNBC for providing these authentic life stories instead of just the success stories of millionaires or people making six figures who’ve “made it big”. Keep on keeping it real!

[@beingemma]

👏 yes to this