Living On 980K A Year in Seattle, WA | Millennial Money

[@ShelbyChurch]

BEFORE YOU WATCH: I made this video in the same style as Millennial Money on CNBC because I thought it would be kind of funny to have that same effect! otherwise, I would just talk to the camera normally. (It felt weird to make a “documentary” video about my finances I promise I’m not that obsessed with myself lol) I hope you enjoy getting a behind the scenes look at the finances of myself, and really KZbinrs in general. I really think if I can do it, anyone can - not overnight, but I figured hey, maybe this will inspire someone to start a channel? Anyway, hope you enjoy! It feels very weird to put this info out there but I really appreciate when other KZbinrs do so I gave it a shot!

[@you2bevsgoogle]

Thats not me,i'm introvert 🙈 i start this channel 2006 my interesst are tech diy and repair maybe i start making videos someday

[@eviewesner]

I loved it!! Thanks!

[@AshleyAquilina]

Love this & your videos!!!

[@JesseVasquezAirVenture]

Cool vid Shelb, diggin your stuff! Cheers to your successes and being totally obsessed with yourself 😂 JK

[@dancinggrace22MSU]

You nailed the style. Great job!

[@GrahamStephan]

This was SO GOOD. You need to make this a recurring series of the channel - if you produced exactly this on other people /creators / entrepreneurs, it would blow up.

[@tanelipirinen]

When I saw this, the first thought was that I want to see Graham Stephan doing a reaction to this!

[@ShelbyChurch]

Thank you!!

[@ashleyelll]

lol what she literally copied this from a well-known series & you think she should continue copying the series???

[@catherinebugden]

Yes do it

[@DrShubhammalhotra]

Was going to ask you when’s the review coming ? 😂

[@ratherelevated]

"CNBC's never reached out to me, so I just made my own." This is so empowering. Why wait and hope? I loved this.

[@sdouillette]

Lol this is exactly what trademark infringement is

[@user-uq4ly6fp6m]

Thought this was CNBC's program when it popped up on my recommended, didn't realize until she said something lol

[@itsme123669]

So narcissistic as well!

[@katdjordjevic]

This comment is exactly why I’m surprised cnbc hasn’t filed a lawsuit.

[@travisjacobs6068]

@@sdouillette I don't think it's trademarked.

[@dadchurch3055]

Awesome job Shelby! I know how hard you work and how humble you are about your success. So proud of you! -Dad

[@alexanderschwarm7755]

This woman radiates joy and happiness she makes her videos so enjoyablel to watch

[@samuelkemeshi]

Honestly! She’s definitely my favorite KZbinr!!

[@MiceAndRatEnrichment]

💯 🎉

[@MiceAndRatEnrichment]

@@samuelkemeshi She’s so authentic and grounded, one of the things that made me subscribe.

[@ericB3444]

Shelby the Sheltie is a Shetland sheepdog, This doggie makes bank.

[@ken-mb5cp]

Doesn’t hurt that she’s young and attractive.

[@barif8607]

you and monica seriously make some of the most captivating and informative videos on youtube. y'all deserve every penny and ty for your transparency!!

[@Shelbychurch4L]

I appreciate the love and support on my channel, thank you so much I’ve picked you as a lucky subscriber Please contact me at info above on my name description 😊

[@mirandaterrell]

This was one of your best videos. Can part two of this be more about how you save and distribute what you have left over? What I love about you the most is how financially literate you are at a relatively young age. You could be living closer to your means but you live way below them and you always seem to be looking for ways to save more - whether that's by cooking more, not delegating every aspect of your production, etc. I also take my hat off to you for sharing and being so transparent with your life. I've been in tech sales for over 18 years and I live a film worthy life (according to others) but I'm just too private and don't want everyone on the internet to know!

[@fuzzyfacedog]

Exactly my thoughts as well. Shelby is my #1 anticipated-to-watch out of all social media. Always great, uplifting, funny, educational, and intelligent.

[@loufaolla]

Soooo refreshing to see someone young like Shelby who’s all squared away in her financial life with set goals. ❤

[@gracehyde5808]

Been watching for 6 years, it’s been so cool to see your channel grow and change and all of your accomplishments through KZbin!! Keep doing you Shelby ♥️

[@ShelbyChurch]

Thanks for watching all this time Grace!

[@CHEFPKR]

This was some great insight. The presentation was tops as well. I can very much see the food bill add up in Seattle, so much good food.

[@cupofrice]

One of the realest KZbinrs out there, thanks for breaking boundaries Shelby and congrats on the success!

[@JoshBurnsTech]

Awesome job producing this video! Watched the entire thing and loved it.

[@jennifermoody5289]

Awesome video Shelby! Your videos are so engaging and it's clear how hard you've worked to achieve this level of success. Owning your house outright is an incredible goal! You should consider saving enough to pay cash for a home so you don't have to worry about interest rates at all.

[@ShelbyChurch]

Thank you! I worked super hard on it! It would be amazing to do that

[@RealestDave]

I'm so glad to finally see an honest KZbinr who is against the 30 year mortgage, living debt free is the worthiest goal Peace of mind and flexibility comes first, always. I resonate 100%, Shelby's videos are super enjoyable

[@higreentj]

Interest rates are more likely to fall than rise. It is better when you own your own home.

[@eringage5641]

This was done beautifully!! Not gonna lie, I got a throw back for a moment when you said "you're watching..." to the old disney channel days. Love the video!!

[@youknowwithMartyKauffman]

Now I’m even more excited to see Graham‘s reaction video to this

[@behniwal08]

I'm so glad you did one of these videos! Your channel is one of the handful I trust to be 100% truthful and transparent.

[@ShelbyChurch]

Thank you for watching!!

[@KevinYang]

It's so refreshing to see more smart financial habits and awareness nowadays! Awesome video! And coming from someone also living in Seattle, the savings on state taxes is a major point!

[@kazamlovesmusic]

I’ve been following you and Monica since your hauls in your bedrooms and gymnastic DIYL, so it’s so cool seeing how well you both are doing and I feel like a proud parent watching ! Thank you for being you and not afraid to speak out about things! ❤

[@wineguy68]

Appreciate that you didn’t use $1m as the thumbnail which you easily could have just to get clicks. I’ve always been impressed with what a hard worker you are. You totally deserve this and i hope it continues for you.

[@TheIncredibleCulp]

The music, the typography, the b-roll, the story arc -- perfection. Great execution Shelby!

[@DavidNkwa]

You definitely work so hard Church, you deserve the success. Keep going, you inspire lots of us

[@deskubrir]

Congrats Shelby! I just simply love your videos, the tone of your voice, how well articulated you talk, how down to earth you are despite the great success you have and the stories you produce make me disconnect from the hustle and bustle of the day.

[@ShelbyChurch]

Thank you so much that is so so kind

[@ericB3444]

If you want to disconnect do magic mushrooms.

[@stevenjuan259]

Taking the first step is the hardest, but 7 house later living off passive income since June 6, 2016. You’ve got to start taking steps to achieve your goal.

[@donwhizz7880]

Thanks for your response but how do I get access to your financial consultant? Can you share more info about him if you don’t mind.

[@emilysmith5287]

my coach is "Jackson sten marsh". is highly qualified and experienced in the financial market.

[@Mathew-bp5bm]

Wow!!! I know and I have been growing with him since 2018. His expertise has been the best for my financial journey. I have created a passive income over the years and life feels really better and easy for me. I feel so delighted to read these good reviews about him

[@nathanjane7729]

That's a good decision if you start now. I invested in Stocks or Gold coins with the help of a Fin. consultant and was able to buy my second house last year September and hope to buy more if things keep going smoothly for me.

[@donwhizz7880]

Thanks for this tip. his web popped up on google immediately I searched him up. I read him resume and it seems pretty. I wrote him and I’m waiting on him reply.

[@taylorcarter1161]

DAMN! The quality and transparency of this video. Bravo Shelby! Very impressed 👏

[@brandtc.7991]

Thank you for being so open all the time with your finances! You really do make great content!

[@ShelbyChurch]

I appreciate that! Thank YOU for watching!

[@emmanuelgoodluck9013]

@@ShelbyChurch hi Shelby why don’t you try making a course on how to make a documentary style video

[@ItsKimJava]

Loved this format and always appreciate your transparency! Thanks for inspiring!

[@ShelbyChurch]

Thanks Kim!!

[@xItsJustRickix]

I have been a subscriber since you were in high school and you and Monica were doing make up tutorials and hair tutorials - it's literally crazy to see you grow on this entire journey and i think in a crazy industry you really found who you are! you improve every single video and you just are so unique and yourself that its so lovely to see your success!! all to say, this was a great video :)

[@AndreiJikh]

Really cool video, thanks for sharing, been watching your channel for a while!

[@nottheone582]

You two should collab!

[@MichaelSaves]

Congrats, Shelby! You put in the work and deserve it.

[@qMermaidq]

I love how DIY you are! Home renos, being your own editor, everything. It’s awesome!

[@alexbonacci8668]

Really enjoyed this video! As a current college student, I love getting to see a glimpse into to other peoples lives and how they achieved success! It really helps me in my goal setting for the future.

[@PierceJPeterson]

Yooooo this video was awesome! Love the transparency. You for sure need to make this a series on the channel.

[@humphrey]

you are killin it!

[@ShelbyChurch]

Thanks Humphrey!! You are too!

[@alexandratracey8252]

It’s so nice to hear that you’re getting paid your value. You make some of the most visually interesting videos on YT, even your vlogs are shot well. You’re a natural story teller. Love all your content!😊

[@rtobx]

A fabulous documentary and thank you for your honesty & transparency... how refreshing it is to see one sharing this kind of information with anyone interested at such a young age. :) Prepayment of mortgage principle is a sure fire way to pay off your mortgage early. Print out a copy of your amortization schedule. Add any amount of money to your current payment each month, equal to or greater than next months principle and you will pay off your mortgage in half the time or less. Adding next months principle to each payment is the same as paying an entire payment (P&I) at the bottom of your amortization schedule. Cheers!

[@TravelingwithKristin]

You nailed the style! I totally thought it was a CNBC video. Cool to see that you still edit your own videos! I also spend $800-1k on food per month and the same amount on travel. 🤭

[@AuthenTech]

This was so well done!! 👏

[@sirgalahad1470]

As a dad myself, when I watch a video from either Shelby or Monica, I can't help but think how proud Dad Church and Mom Church must be of these two beautiful and smart young ladies.

[@amyvan8447]

I love this! Watched it all the way through and enjoyed each moment. Love the transparency!

[@brownieinusa9460]

This girl earned her fam and her money. Well deserved. No hate.

[@VivianFabiolaV]

Thanks for sharing, it really helps motivate others! Also congrats on all your successes!

[@bonXID]

Congrats Shelby! I was guessing you were making $500-600k just on what I see you spend, but this is great. And I totally agree on paying off a mortgage. My house is paid off and it's so freeing. I'm not a finance expert but imo there are plenty of other ways to leverage money and keep it more liquid

[@carlisleemily]

I’m obsessed with how well you edited this video!! Love your transparency it’s why you’re one of my fav KZbinrs

[@Lianne459]

It’s very educational for the young people that watch these videos to understand the value of saving and budgeting for the future. I’m older and my generation never discussed this so openly.

[@LJMovieMaker]

You mentioned at 4:26 (and in a prior video) that you're planning to get solar panels for the Palm Springs house - going to make a video about that? Worth noting that the rules around credits for exported solar energy in California are changing soon - the payback time will likely be quite a bit better if you submit your utility application now versus waiting until after the April 14th cutoff date.

[@jalyassin]

I agree with you 100% about the psychological benefit of being mortgage-free. My husband and I paid off our first home in 5 years and now our second home in two years. It makes us feel that no matter what happens we have a home. It's a wonderful feeling.

[@MC-kl5mp]

Shit houses or so rich it doesn’t matter

[@brookelynn4455]

Ok I need tips & details if you dont mind! Do you have high incomes? Low home prices? Are you just super savers who are great with money? Also what tips to get started or pay off your first property

[@jalyassin]

@@brookelynn4455 Of course I don't mind! I'm very flattered, thank you:) Our incomes are very average (under 80,000 each). We live in smaller cities where properties are reasonably priced and we prioritize this in the sense that we will forgo vacations, limit going out, think carefully about every penny spent, etc. We even opted for a TINY wedding when we married to put the money our parents gifted us towards the home.

[@brookelynn4455]

@@jalyassin thank you so much for the reply! I'll definitely consider this moving forward

[@ketotwins]

Love these transparent videos Shelby, they are very inspiring for us! -Emily

[@ourbackyardgarden]

Shelby you did a great job on this video. We love all of your videos but this one was next level in format. It encourages me to keep going as we grow our tiny channel. Keep up the good work you are an inspiration!!

[@PajaPrikazska]

Amazing video, Shelby, love your transparenty, editing, you Are a true inspiration

[@mfnannygram]

Well done, Shelby! Great content and editing on this video. Love your grounded, practical approach and happy for your success!

[@claireevans4797]

I love your transparency - especially on Air BnB - so helpful & gives a heads up on what to look out for & unexpected costs. Thank you.

[@ianaholiva]

you are a storyteller, shelby! i love what you doooo 🫶🏻

[@ReachThePeople]

Loved this Shelby

[@TheCarlaProject]

Love your work ethic and transparency thanks for the inspiration!!!

[@bigshrimpn]

My friends and I STILL CAN'T BELIEVE that you manage to live on JUST $980K a year!!! You are truly impressive Shelby.

[@jalyassin]

You did such a good job with this Shelby! If you hadn't said it wasn't 'real' I wouldn't have guessed. You deserve every penny of income and every once of success you have. You're creative, hardworking and incredibly entrepreneurial. You are the kind of person that makes america what is supposed to be!

[@ChaiTimeDataScience]

As a long term fan and viewer of your amazing content, it's always great to see little snippets of your success. Thanks for another amazing video!

[@Bardish]

Shelby, trust me, you won't like property tax :D I am paying more or less my previous rent in property tax since I bought my home. Ofc it being your home makes you feel more secure though!! And yes, no mortgage all the way. Buy it with cash.

[@ShelbyChurch]

Ugh yes my property taxes went up in Palm Springs 😅 so I feel that!!

[@1300mer]

Went up in San Diego too. Million dollar home will easily be $20k/year taxes in California! With the current federal tax laws the write-offs for real estate are not what they used to be… And that’s not even talking about how they might start doing appraisals more frequently to raise it even more.

[@shaebrown9370]

It’s the price you pay for living in cities. If you live out in the middle of nowhere like I used to you really are free but maybe a little socially isolated. I think we all start building our own little communities in remote places. It’s what people used to do.

[@MoreNadia]

Honestly one of my favorite videos, thanks for being so transparent

[@roryandsage]

I’m only half way through so far and this video is exceptional 🙌🙌🙌🙌 This is going to be a big one!! 🙌

[@ShelbyChurch]

Thank you!!

[@LifeasThea]

I LOVE this video! Appreciate your transparency. You’re amazing! Been following for years and your growth has been astounding! Love how you have stayed true to you and what your passionate about creating too!

[@jutperry]

Thanks Shelby. I love watching your videos. Been a long time viewer. What I appreciate the most is your genuineness and transparency. Not because viewers have a right to know more, but because you enjoy sharing what you know with others. Thanks again!

[@CarolinaRizzotto]

Thank you for being so transparent about everything! This is a great educational video.

[@jancarlson2165]

So proud of how well you've done!! Keep on girlie!! 😊❤ Love ya❤

[@blahblahblahstuff1]

Love the transparency!! It’s time to destigmatize talking about money!!❤️❤️

[@harryjamessmithmusic7762]

Living on 1K a year here in the Czech Republic. Millennial Money. (unemployed; with a PhD degree with honors).

[@johnpoldo8817]

What discipline is your PhD? If it’s Russian Politics, $1K is appropriate. However, if it involves AI, you could make 150x more in USA.

[@ZacsMoneyFAQs]

This was the best episode of Millennial Money that I've ever seen! CNBC could learn a thing or two from you. Thank you for sharing! I really enjoyed this video! I think your channel is under appreciated and I love your videos! I learn so much from them! Also, I had no idea that Washington had no state income tax. I thought it was only Nevada that did that. Once again, thank you for sharing! This was a great video!

[@xlasvegan7x]

To be so financially set and stay hard working takes an incredible amount of descipline. Very admirable.

[@devonloerop]

This was probably the quickest I've ever clicked on one of your videos. This must have taken so much time! Really enjoyed this one!

[@ShelbyChurch]

Thanks Devon!! It was really fun to make haha

[@taylorhansum]

As a fellow 28 year old on the west coast this is very motivating to see how you’re doing. Thanks for being transparent and sharing!!

[@theyofactor]

We are lucky we know about and watch this powerhouse! Thank you Shelby for these videos. Sending best wishes to everyone from Toronto, Canada.

[@CaseyBurnsInvesting]

Nice. No state tax too. Miss my hometown sometimes. It’s a beautiful place.

[@aznpridebuhhd]

Always always look forward to your videos and click them so fast because they’re great quality!

[@Athandatu]

I absolutely loved that you decided to do your own millennial money episode. It also shows how skilled you are at editing because you certainly fooled me. Love your content and how you produce it. You deserve the huge jump in income. Well done! I bed Graham’s ears have been ringing all day 😂

[@kathyoliva6966]

Enjoyed this and I learned from you! Really appreciate your very thorough videos on airport lounges and travel! THANK YOU !

[@Courtney-Alice-Gargani]

It's very smart of you wanting to buy a house and not worry about a mortgage. I did so well in stocks in 2020 to 2021 that I paid my house cash and still have money left over. I'm glad my house is paid off. You could easily pay a house cash in other states besides CA & WA.

[@d.q722]

What a transformational journey. This used to be my go-to channel for watching realistic videos about LA. Good for you. Good to see kind people go far.

[@Rebecca.Robbins]

Oh Shelby!!! ❤❤❤ I’m so proud of you! You are my daughters age so I feel almost maternal towards you. What a great job you have done! ❤

[@ShelbyChurch]

Thank you Rebecca!!

[@karleywhite6941]

This video is AMAZING!! one of your best ones ever! Would love to see you continue this series on other creators/people in the same style.

[@absolute0rez]

I’m in Seattle rn making less than minimum wage… I can’t imagine making that much and I’ll probably never know what it’s like to be stable and not worry about where I’m going to sleep. But it’s nice to imagine

[@cosmeticscameo8277]

don't it will drive you nuts one day

[@poundkingforex]

I love Shelby so unique the way she speaks melts me down so much value.

[@BrandonIvan-c6e]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing below the $100k mark and in the first 2 months, my portfolio was reading $234,800. Crazy right!, I decided to reinvest a huge percentage of my profit and it got more interesting.! For over a year we have been working together making consistent profit just bought my second home at the beginning of summer.

[@Susan00197]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@BrandonIvan-c6e]

@@Susan00197 However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

[@Susan00197]

@@BrandonIvan-c6e Oh please I’d love that. Thanks!.

[@BrandonIvan-c6e]

@@Susan00197 Clementina Abate Russo is her name.

[@BrandonIvan-c6e]

Lookup with her name on the webpage.

[@ww3k]

Props for being super hardworking and having the DIY mindset. COngrats on your success! Been following you for a while. Very inspirational!

[@highflyingdesignuk]

So inspiring! Would love to see more personal finance videos like these! Thanks Shelby! Have a fab weekend 🌻

[@ShelbyChurch]

Thank you! I definitely am planning some more! Hope you have an awesome weekend too :)

[@calnoot7765]

As always, really appreciate the transparency. This is super inspiring!

[@ShelbyChurch]

Thanks for watching!!

[@DavidNakkila]

Thank you for having the courage to share and post this

[@ItsSquallyWally]

WOW!! I love love love this style of video! I think it's so funny that you made your own malenial money episode 😂 this was so inspirational and good freaking job you're doin it!! I was a bit discouraged about keeping on making KZbin videos because the momentum is not that fast yet but this was so inspirational I wanna make more! Thank you❤🎉😊

[@usaconjuan]

This is SO good. MAKE IT A SERIES @shelbyChurch!!

[@Shelbychurch4L]

I appreciate the love and support on my channel, thank you so much I’ve picked you as a lucky subscriber Please contact me at info above on my name description 😊

[@cliffercrombie]

All of your videos are insightful, informative, and entertaining - a great joy to watch. You deserve all the success!

[@gingin1050]

I appreciate your info❣

[@sandy949]

Love seeing all your travels! Thank you for sharing with us!!

[@sabrinakingsley798]

Congratulations Shelby. You are truly inspirational and I watch all your vlogs.

[@MeganFlannery3]

Shelby! I think this may be my first KZbin comment ever but I’ve watched your videos since forever. Just had to say how much I loved this video & your transparency. So awesome!!

[@theelizabethanway]

This is absolute goals, well done Shelby!! 🎉 I am always so impressed with your channel and your work.

[@EvieAswiti]

As a Seattleite myself and a smaller creator, this was so inspiring! Thank you so much. I subscribed immediately.

[@Shelbychurch4L]

I appreciate the love and support on my channel, thank you so much I’ve picked you as a lucky subscriber Please contact me at info above on my name description 😊

[@pearlstella]

This was AMAZING Shelby, loved both the content and how you did the video! Also huge congrats on taking home just about $1 million (bf taxes), that's mindblowing!!! I'm a tinyyy KZbinr, and it's so inspiring following your success🤗 Also YES would love more personal finance content😃

[@ShelbyChurch]

Thank you!!

[@curtisblue1]

Hi Shelby I think this was one of your best video, even though you was only sitting and talking that was great.

[@ShelbyChurch]

Thank you!!

[@waterfirelord]

The community college is best one because the professor care about their students more then the 4 years college

[@waterfirelord]

If you are planing to get your joy of teaching people. Teach at the community college, when you get your education, major in any field and degree. Please do teach at the community college. Because that the stage for everyone to find out their life is.

[@waterfirelord]

People look down on the community college because it's count as a high school grade 13 and 14 but dude. I have learn alot in the community college and it's more cheaper

[@sic3248]

Thank you for being open as honest about your income ! I watch your videos since I appreciate your transparency and genuineness :)

[@fashionfantasies]

Honestly, I am a subscriber since foreeeeeever and I have to say: YOU DESERVE THIS SO MUCH! :) And it's so motivating, too! I started KZbin when I was 16 in Germany and I kinda lost my spark transitioning into a corporate & playing it safe. But I started again this year with a channel in english to full fill my dreams. Not to catfish here, just wanted to say as a long-time subscriber that especially Videos like this are so so so motivating and that its never too late to chase your dreams! Much love from germany, maike

[@ShelbyChurch]

Thank you for such a kind comment!! I’m so happy you’re getting back into it 🙌🏻