Living Together On $118K A Year In Philadelphia | Millennial Money

Ashley Chorath, 27, makes $60,000/year and Andrew Tiu, 31, makes $58,000/year. The couple works as resident physicians in Philadelphia, Pennsylvania. The couple has been on the front line of the coronavirus pandemic and seen first-hand the toll it takes on both patients and health-care workers. They’ve also cut their expenses dramatically (Chorath has nearly $180,000 in student loans left to pay off), gotten engaged and are now preparing for Chorath to move to Washington, D.C. this summer to start a new residency in psychiatry.
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.
Read more about their budget breakdown here: cnb.cx/2ZReMzl
Although the couple live a full life together in Philadelphia, where they like to try new restaurants and explore the city by bike, money is always top of mind. But it’s also a topic that unites them, as they learned early on in their relationship that their financial values are closely aligned.
After completing her first year of residency in Florida, where she grew up, Chorath accepted a position in Philadelphia. In her excitement about the move, she changed her location from Florida to Philly on the dating app Coffee Meets Bagel in May 2019, and she soon matched with Tiu.
They immediately clicked and paragraphs-long text conversations turned into talking on the phone for hours since they couldn’t meet in person. The pair discovered that they have a lot in common, even outside of their profession, from the cultures they grew up in to their shared faith to their penchant for saving money.
By the time Chorath arrived in Philly that June, they knew they wanted to be together. “We ended up meeting the day after I moved to Philadelphia ... and since then we’ve been inseparable,” Chorath says. Tiu proposed on Chorath’s 27th birthday in June 2020, and they hope to get married in 2021, pandemic willing.
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Living Together On $118K A Year In Philadelphia | 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

[@jenniferbrantley2419]

Do nurses in California that make 300k ..

[@twincherry4958]

@kev ow PA is dirt cheap!

[@twincherry4958]

I submitted; it worked! Pick me!!! Pick me!!! Pick me!!! Lol🤣

[@lsadultcoloringbook5781]

@kev ow 😑

[@mrrgb4954]

@kev ow Living in PA is cheap. a decent house in a good neighborhood is about 300-400k, and we have very low income taxes. prices for food etc are also very good. 70000 might be the min in California, but in PA that's enough for a solid middle-class life.

[@Wj3VUq56a813]

Yall should know that this guy ranked #1 in the philippine physician board exam when he took it.

[@ashleyandandrewmd]

Yes he did! Andrew is so sweet and humble despite being a genius! - Ashley

[@nungacynderilla5095]

Wow 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽

[@nettehicks720]

Not sure thats hard. LOL!

[@Wj3VUq56a813]

Nette Hicks If I were you, I’d prefer to stay silent on things I know nothing about.

[@lingling2823]

Nette Hicks Imagine having to talk crap about other people’s goals because you haven’t achieved anything 👁👄👁

[@omarmohammed555]

New episode definitely needed when they finish their residencies.

[@bigpoppa4094]

not interested in how they are budgeting or spending excess amounts of money

[@ntl9974]

@@bigpoppa4094 vacations and mansions

[@armandogallegos2]

Yeah it would be a lot better compared to other vids on rich millenials on here.

[@Will-tc7kz]

@@ntl9974 more like paying off debt and saving for retirement

[@onyimahumphery1961]

You're right

[@revyncrowley3808]

Yasss immigrants (and children of immigrants) making America a better place. So grateful for these two and their contributions during this crisis.

[@MichaelWidjaja]

"Immigrants, we get the job done."

[@theraginginfernape9496]

@@MichaelWidjaja Hamilton?

[@johnlee2238]

And Trump trying to kick them out. The Native Americans should revoke his visa.

[@MichaelWidjaja]

@@theraginginfernape9496 Yes :)

[@nczioox1116]

@@johnlee2238 He doesn't realize the bulk of the smartest people in the world live outside the US and allowing them in and making them citizens the US preserves its technological edge

[@tropicolana5786]

y’all are talking about a 50k wedding, but i’m just trying to figure out how she only spends $91 on groceries in a month

[@SummerlyPuppet]

They Both live seperate and have roommates

[@SummerlyPuppet]

And if you watched the video, they mention how he buys all the groceries

[@dabd8175]

Nope

[@implussed]

physicians can often eat for free in physicians lounges at hospitals, so she may be eating a lot of her meals at work

[@dominick6131]

Many hospitals give free food to their doctors.

[@danaewardrup3922]

The part where he said that he read each textbook at least twice b/c he want to remember everything he can to help future patients. :` ) God bless healthcare workers with such a passion for helping others that they put their heads down and work for years upon years.

[@campylobacterjejuni5765]

The guy went to the same medical school I attended. He ranked 1st in August 2015 Physician Licensure Exam. He is so intelligent, yet so humble.

[@danaewardrup3922]

Campylobacter Jejuni Thanks for sharing that-that’s amazing. What a great guy!

[@edaj1990]

@@campylobacterjejuni5765 Wow! His patients are very lucky to be under his care.

[@ashleyandandrewmd]

Thank you Danae!

[@glamorsocial7081]

Love ain't forever like roses they come to pass. Forget marriage folks its all a trap & illusion.

[@shukri2833]

This is the cutest couple of Millennial Money. Very hard working!

[@ashleyandandrewmd]

omg thank you so much @shukri!

[@shukri2833]

@@ashleyandandrewmd I wish you guys the best!

[@longhornmed]

@@ashleyandandrewmd y'alls kids gonna be geniuses 😂

[@BruceChastain]

I was thinking the same.

[@AlaynaMarley]

Absolutely! I love everything about them. ❤ I can't wait for @grahamstephan to react!

[@roflcopter4388]

Let's follow up with this couple after 5-7 years. "Living together on $1.6M a year in Philadelphia" lol

[@tdmoses2386]

Lol yea that's what they hope..

[@nitishkannan2919]

They’re both doctors probably 600k In a few years

[@didiash]

And paying 750k in taxes

[@boxertubetops]

When she had her loans forgiven 🙄

[@veritas3953]

Idk about 1.6M lol but they'll be pretty darn wealthy in a few years

[@kristiefang8173]

It's refreshing to see Make It included people with a visa living in the U.S. Thanks for being inclusive and considerate towards your content.

[@pcpolice2314]

they wouldnt be here if Stephen Miller had his way

[@dowskivisionmagicaloracle8593]

Public service student loan forgiveness? Aaaahhh yes, yet another feminist quasi-welfare program for irresponsible females.

[@teambennett-wells962]

And $500 a year to renew that visa. Crazy!!! And I wonder how much he has to pay to renew medical/professional lisences on top of that?

[@correctionguy7632]

cringe

[@CEOWORK29]

I agree.

[@tiyyas3022]

“Food tastes better when it’s free” totally agree lol.

[@princesslamour1985]

Thats my motto 2!!!!!!!

[@erinues7._-]

Only a cheaper would have this type of mindset!! Food tastes better when you buy the dinner for people you love , friends, family, etc and have the satisfaction that you have paid for IT!! That you are enjoying the fruits of your work!! What does if matter if you earn 100.000 or 30.000 or 1.000.000 if you don't live to the fullest getting experiences , travel be generous to OTHERS in need??? We are all going to be eaten by maggots!! They are very cheap!! The majority of them!!!

[@ace50105010]

No. 48 Laws of Power says "despise the Free Lunch" its a trap. Fish on a Hook.

[@vivianwtang3983]

Absolutely LOVE, LOVE, LOVE this episode. As a fellow healthcare professional and child of immigrants, their stories deeply resonated with me in terms of self-reliance, student loans with graduate school, residency and basically a lot of delayed gratification. Thank you for continuing to highlight stories of people with diverse backgrounds.

[@ashleyandandrewmd]

Hi Vivian!! Glad you enjoyed it!!

[@innervisions2528]

what does immigrants got to with it? Im a migrant, mentioning it all the time wont make us humans become one! this is just annoying. there always going be a divide as long us we keep using the word, "i'm a migrant" move on we all are migrants at some stage and history! use the word lucky its better, thats what i consider myself, not a migrant. they didn't even mention it in the video.

[@yourmedicarenursenavigator]

@@ashleyandandrewmd This was a great piece. My wife and I are nurses local to you and Andrew. Let us know if we can help you in anyway. Connect on LinkedIn as well. The medical world is a small place and we are bound to know someone in different health systems as well as the Philippines.

[@A2Kaid]

Yes vivian we need more yellow and brown mixing couples...

[@smellypatel5272]

@@innervisions2528 It has to do with it because generally speaking children of immigrants do not grow up with privileged backgrounds. They often have to work hard while balancing their parent's culture with American culture. It's a major struggle and pretending like it's not a factor is silly. Also, for people of Asian descent, you have to work extra hard against racist policies like affirmative action.

[@rockyjohnson860]

when they finish residency, their combined household income will be above $500k easily.

[@calvinfan6330]

Hopefully. I know doctors in residency making 250k couldnt believe they only make 60k. They seem like good down to earth people.

[@familyaccount2467]

@@calvinfan6330 what kind of speciality or field are they in?? I might consider medicine after a figure like that! are they anesthesiology? cardiology? maybe nuero? I mean no matter how much debt you're in, with a slaary like that during RESIDENCY might I add, imagine how much would they make when they are attending. Easy milion just like that.

[@breea07]

calvin Fan there is no resident anywhere in this country making that much money on their resident’s. Fellows don’t even make that.

[@nchibaby]

breea07 You are absolutely correct!

[@rockyjohnson860]

@@calvinfan6330 lol what? no residents make 250k. someone is lying to you. Residency programs are funded by medicare.

[@ToddBaldwin]

Just wait 5 years and it will be living together on $ 1 million per year. You two are crushing it, way to go!

[@ashleyandandrewmd]

Hey Todd!! Loved your video and your hustle too!

[@mrobison91]

Lol yeah right. Most doctors don't make nearly that much.

[@ngndnd]

5 years? i think u need to go up a few more numbers

[@runningdebate2670]

No way will they have a combined income of 1million with him being internal medicine, sorry not going to happen.

[@danschneider8996]

I'd say it's closer to $250,000, which is still fantastic.

[@AdrienneInvests]

I feel like the “living together” part is misleading... they live in the same building as each other but in separate units with each their own roommates.

[@tessychorath2750]

correct

[@ashleyandandrewmd]

@@tessychorath2750 Hi Amma!

[@EazyJakeOven]

I assumed that was just a cover for their family. ;)

[@MsReddwine]

I also think it’s a cover up. They are definitely living together and getting it in. With their different cultures they are probably not allowed to until they get married. So, for tv purpose we’d just say we live in the same building but separate apartments with roommates to throw our parents off. 🤣🤣🤣

[@tessychorath2750]

@@MsReddwine They are not! Don't make assumptions please,

[@tarzan12345]

Regarding their wedding, for those who don't know, it's extremely important in Indian culture. Typical Indian weddings are multi-day event with hundreds if not thousands of guests. So it's understandable when they need to have two, and plan to spend about 50K. That's a lot of money but I don't think it's a huge deal for them because they will make many times that a year when they're done with residency in a few years.

[@ayomade7496]

@Will Jacobs It's a cultural thing. It might not be for you but there is no need to call it dumb.

[@pcpolice2314]

@Will Jacobs what is dumb is how much white ppl spend on funerals

[@LaidbackLuc9]

Ayo Made It is from a financial perspective. Regardless of culture.

[@naveen4nse]

tarzan12345 yes I agree. As an Indian wedding Dj, couples easily spend $50,000 to $100,000 for a wedding. Weddings are typically two days. Some are three days. But the wedding day is the main event. Indians like to play good host. We make sure to feed everyone and take care of them, as they have traveled to attend our wedding.

[@FreeSenpai]

In some sections of Indian society, yes, and it is far from the norm. You're just more used to seeing the affluent Indian peoples' lifestyle, often exaggerated in the media.

[@michleejackson619]

He’s so lucky to have zero debt going into his career.

[@clareab6219]

He graduated from the Philippines. We have this mentality that if you or your parents can’t afford school, not going is normal. Student Loan is a foreign thing for us. It‘s either someone spends it for you or you work jobs to get that degree. Most of the time, its our parents who spend everything for us until we finish college.

[@hanneriri]

@Gulaid M you go to medical school to get a general medical degree. Afterwards you start on your specialty (surgery, immunology, psychiatry etc.). A full medical education is usually 8-15 years long.

[@Dazak]

@Gulaid M, he is not in Med school. He is in residency. That is training after graduating from medical school. After graduating from any accredited medical school in the world and clearing an exam (the same as US medical school grads), you do a residency to specialise.

[@addi.1813]

Well that's because he got a full scholarship for his medical training, I wouldn't necessarily call that "lucky".

[@Colt1911Novice]

Someone here said he graduated #1 in his medical school or #1 in the Philippines so I would say more than well deserved.

[@DewTime]

I absolutely love her smile and the way she looks at him. They’re a great couple and I can only imagine what their combined salaries will be as an attending. They better do a follow up episode when the time comes.

[@ashleyandandrewmd]

Thank you so much!!

[@joeybrooks5625]

They deserve the pay. Putting their lives on the line to help others. Can't think of a more distinguished profession.

[@colorfulcodes]

I agree. I respect doctors so much. It's so much hard work and innovation.

[@felixbjrnson8558]

you surely mean making people more sick? Doctors dont earn $$$ on healthy people, especially in the US

[@kdilli6426]

@@felixbjrnson8558 Nobody makes money on healthy people, stupid. Are you trying to say they intentionally make people sick?

[@joeybrooks5625]

@@felixbjrnson8558 You surely are a dense one.

[@colorfulcodes]

@@felixbjrnson8558 Umm, there are many people in the Medical community finding cures. Look at Botox and Deep Brain Surgery for those with Parkinsons and Dystonia. Look at the medication that has come out in the last 20 years for those with Multiple Sclerosis. People who were bedridden and unable to walk only have to pop a pill to live a normal and productive life. Count your blessings.

[@mrsr4640]

You can tell the way she is looking at him, she is so in love with him.❤💓💕

[@ashleyandandrewmd]

Yes I am!!! I love Andrew with all my heart!

[@mrsr4640]

@@ashleyandandrewmd it is a honor that you would respond to my post. My sister is a board-certified physician specializing in gastroentrology and hepatpology. She went to medical school at Mayo and did her residency at Mass General. She did her fellowship on the liver (hepatology) at University of Pennsylvania. I loved your cross at the beginning. I am a high school teacher and always wear a cross. I wish you and your fiancee nothing but the best.

[@ashleyandandrewmd]

@@mrsr4640 Wow you and your sister both have very important jobs! Thank you so much for your kind comment! We wish you and your family all the best too!!

[@bencastro921]

Wonderful couple. I am for loan forgiveness for doctors, true heroes along with Nurses and others in the Allied workforce

[@ajsuflena156]

@@mrsr4640 aww youre so kind

[@TritoneTrickster]

I think this is my favourite episode of Make it so far. It just felt so real and honest. I wish Ashley and Andrew the best of luck; I have so much respect for these key workers!

[@ashleyandandrewmd]

Hi!! Thank you so much for this nice comment!

[@TritoneTrickster]

Ashley and Andrew, MD you’re welcome!

[@Jeremiahking101]

In a few years this couple is gonna be worth multiple millions!

[@Trillzzy3]

& they can start paying off their debts

[@najat4339]

whatsmyageagain unfortunately most physicians dont pay off their student debt until their 40-50s.

[@belladesimone6640]

I'm on coffee meets bagel where is my mans at lol

[@ashleyandandrewmd]

LOL

[@kingstonstreet3726]

I just subscribed to Ashley and Andrew channel

[@sonicblare]

He is on bumble

[@sue7335]

Lol, tell me about it haha

[@rayemanuel7460]

I'm here, boo.

[@andrewbarranco4601]

she really put my mans on blast lol “Andrew’s mom didn’t contribute to the wedding, also his father is dead (:” like wtf lmfao

[@sizwemasenya5747]

too much info 😂

[@Ashley-sd5xn]

True, but they edit these videos so we don't know the questions. They may have asked "are Andrew's parents helping with the wedding?" and she was just answering what they asked.

[@neversayjello]

female nature

[@ashleyandandrewmd]

Hi! Andrew here. No shade to my mom was given nor received! Both of us rewatched that part, and our families as well, and nobody feels any kind of offense in the slightest. You can even see that I am nodding, agreeing with Ashley's answer. I would have said the same exact thing. She is simply answering the question of the breakdown of our wedding budget. We found her answer and tone completely respectful! This video is about financial transparency, and I think Ashley did a great job of answering the question! - Andrew

[@prateekbha]

Very disappointed that she said something like that. She could have easily refused to answer the question.

[@Hiiiiiiiiiiy]

They’ll be millionaires soon enough with their salaries combined after residency. If they keep their costs low it’s all up hill. Savings of 2700 total a month is amazing.

[@VerStarr]

Wait for it, MILLENNIAL MONEY!!

[@90sshows43]

Read this in Graham’s voice 😂

[@evangeliamintzai6302]

I can't wait until Graham reacts on this. I sent him a dm already.

[@accidentsafe]

I'm glad he recovered from Corona.

[@xx420xxyolo3]

$270 a month on food for 2 people?! i eat $400 alone....

[@stasiai.6090]

Right! And I rarely eat fast food. Where’s my money sense?! 😭

[@Cardenasbrend]

Doesn’t cost that much to feed an extra person when it’s 2 ... if you buy a big steak you can cut it in half and still had a decent size steak ...add potato salad or a side salad and you have a meal

[@defenderofdecency7218]

I think it's because they budget well.

[@ashleyc7326]

Yeah I'm always skeptical of peoples low grocery amounts lol

[@elijahsplaytime2540]

It's philadelphia 🤑🤑

[@ericlee5638]

I was like 117k as a couple, very realistic salary to learn something from. Then realized that once they finish their residency it’s going to be 500k+. Very unattainable for me and my gfs career field haha

[@natalieitliongfechter6073]

Yass, Andrew! Fellow Filipino RN here; I'm glad you are looking into ONCOLOGY/Hematology we need more good Doctor's in that field.

[@ashleyandandrewmd]

Thank you!!! yes!

[@jesussson3467]

Are physicians in hem/onc scarce?

[@hiro6406]

Can I ask a question? How's the money for filipino doctors?

[@coffeeluna3615]

@@hiro6406 basically underpaid…like residency here got paid $240- 600 a month. But it will gradually increase but not to this level.

[@YenPC]

They’re such a likable couple. The both seem very down to earth and kind people! Good luck!!! ❤️

[@ashleyandandrewmd]

Thank you so much Yen!!!

[@Tammy-SophisticatedGlamGurls]

Philly in the house thank you for your services during this pandemic. You both are going to be a super big success in the future. Financial planning is everything, I finally got back into it and I can finally see light at the end of the tunnel.

[@MarushDenchev]

There is something wrong if you have to donate blood and being a test dummy for MRI tests in order to get through medical school. Like really really wrong.

[@GotoHere]

I agree the greedy medical doctors that teach at the schools need to take pay cuts to lower the costs.

[@jhasjhis9]

It’s not the doctors who teach at medical schools who need lower salaries it’s the administrative staff, there’s a lot of employees that go into a medical school.

[@ItsDanny91]

I love their humble beginnings. Andrews brother helping him through med school. Ashley working various jobs in med school. Very inspiring

[@ashleyandandrewmd]

Thank you so much!

[@yaserchow]

These guys are so put together.

[@TinaLeder]

*Much needed medical field couple during the pandemic!* 💃 To be honest her *student loans* aren't that *bad* given she'll make more money in the next 6 - 7 years and she's sharing expenses, so I'm excited if you guys ever do a follow-up, I think they're smart and do awesome!!💖✌

[@josepolanco8120]

I've been waiting for this! Thank you CNBC Make It!

[@SR-kz9un]

This is one of the most realistic/honest one's I've seen, I've seen some on another channel and the math just doesn't add up (to me atleast)

[@ashleyandandrewmd]

Thank you Angel!!!

[@aminatiwaro9754]

11q

[@myrandomchannel7305]

4 jobs while using loans?? there's NO REASON ANYONE has a reason to complain about not having the same opportunities.

[@andresamartins26]

Did you believe that? 😂

[@danschneider8996]

Wow that's uncalled for, now I have to riot and loot.

[@lamingtongirl123]

That’s not the norm for a medical student though...

[@lamingtongirl123]

@@andresamartins26 she probably had four jobs throughout med school at different points. I doubt she simultaneously held all four all four years of med school...

[@chasingdharmaify]

Thank you for your service! - A fellow Philadelphian

[@henryxxx6411]

PHILLY, I’ve been waiting for this one for a while

[@amberdawn8855]

This is beautiful! Congrats, health and wealth to this couple! Great job CNBC!

[@waffelsmellgood]

That’s a lot of stuff happening. Good thing they seem like organized people.

[@Rocioslane]

Man, these two are going to be just fine - they're already killing it in terms of planning, saving and low-cost living

[@fsoto2900]

He reminds me of my mom….. why does this guy make me think about my mother?!?!

[@EconomicCockroach]

Wow Graham is going to love these two, or hate them because there's nothing to criticize lol

[@seanlukecorroon]

$50,000 life savings on a wedding?

[@EconomicCockroach]

@@seanlukecorroon lmao, yeah compared to most it's pretty minor. All said and done they will shortly be pulling nearly a million combined income if not more.

[@seanlukecorroon]

@@EconomicCockroach 6-7 years they'll be late 30s. Not shortly lol I want to be retired by then with that sort of income without the long hours.

[@EconomicCockroach]

@@seanlukecorroon I hear ya, It's not something I would do either. However They probably wont want to be retired by then, the medical profession while well compensated is generally in pursuit of helping people and all, but who knows all we got is a few minute glimpse into their life haha

[@ashleyandandrewmd]

@@seanlukecorroon We will actually both be attendings in 3 years

[@yashaspradeep7073]

bruh when they are done with their residencies they're gonna be making well over $300k

[@TB-vb3ov]

Maybe not the internal medicine dude. Some only make 200k. The Radiologist will make 300k+ though.

[@XclusiveChiq]

Taylor B she’s switching to psychiatry

[@XclusiveChiq]

Taylor B And he shouldn’t make a lie he’s going to be in oncology

[@AYTA-mi5pb]

Depends, if he’s in internal medicine he’ll make around 180k, and her probably 250k but if they want kids (which medical training puts off) she might have to work drastic less for a couple years, but eventually they should be able to catch up.

[@blkOnyx287]

@Ace Degenerate mKe sure if u ever need a doctor that u use your lpn degree to take care of yourself

[@davidliang913]

I'd be interested to see their finances when they start attending.

[@mt.n5427]

It’s not as magical as you think.. internists start out 160- 240k depending on community health, teaching/government positions vs private. For those fortunate enough to open their own practices, almost zero income first 2-3 years (one must build up the patients’ roster, collections of insurance pay can lag up to 18 months, staff’s pay, rent, equipments). If student loans are involved, currently, for 200k at 6% interest, about $1400 per month and not tax deductible. Malpractice with tail coverage can be up to 18k per year. Disability insurance about 1.2- 2k per month depending on age. In the end, if one works for a group, monthly take home after 401k, health insurance deductible, etc about 10k. After all the other post tax obligations such as childcare/student loans/mortgage on a modest home/car payment for a Toyota/bills and gas, one would have enough left for a nice dinner once - twice per month or save up for one modest vacation per year. Don’t do primary care if money is the driver for your passion in doing medicine

[@triiii1303]

M T.N ok but that’s a internist. He’s in a good IM program in Philadelphia. He’ll have lucrative fellowship options to further specialize. And she’s a radiologist, which ball parks around 450-500ish k. They’ll be killing it if reimbursements for the specialties they choose stay the same.

[@angelushinga]

They look so in love.

[@ashleyandandrewmd]

Yes, because we are!! :)

[@gisellegonzalez9236]

Loved this video it’s so realistic and love both of the couples background stories ! Keep working hard and it’ll pay off, very proud of you both!

[@ashleyandandrewmd]

Thank you for the kind words Giselle!

[@kelseyannchorath7663]

YO THATS MY COUSIN ASHLEY. That’s WACKKK

[@ashleyandandrewmd]

LOL hey Kelsey!!!!

[@HITMAN-um1ce]

One day I want to work as a NP 🙂

[@mukeshharidas4689]

@@ashleyandandrewmd do u hv any connection with Kerala?

[@_suki_]

👌

[@MalluStyleMultiMedia]

Mallus

[@CaptivaLP]

They seem like such a nice couple. And as a resident myself I have huge respect for them to be able to live together because I would imagine it as terribly stressful to have a partner in medicine

[@ajh.4131]

10:14 “I think the cost of living in DC is a lot higher.” Me living in the DC metro area: “It IS a lot higher. No need to think about it.” 😂

[@elijahsplaytime2540]

Philadelphia is extremely cheap and attracting many from NYC and D.C

[@tshililomugovheli2717]

😂

[@tigerrx7]

This guy’s humility is bubbling over. I have quite a few Filipino friends and I will tell you, they’re some of the most humble and helpful people I know.

[@naturalbeauty_abena1230]

Great episode and so relatable and timely. Being a Respiratory Therapist and being on the frontline of this COVID...the anxiety is so real. I'm glad he recovered from the COVID. Great job to this couple.

[@andrewjconners]

love seeing couples that both have real jobs.

[@bormalekleniviy]

This is so far the best edition of Millennial Money, the most diverse and refreshing to see! The cutest most inspiring couples so far!

[@euo95]

This was my favorite couple you featured on here. Great story!

[@ashleyandandrewmd]

Thank you so much Elizabeth!!!

[@sylviahopson4901]

“I feel like food is better when it’s free” 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Yesssss sis

[@Richard-vz8zu]

Graham Stephan is going to approve this .

[@user-eu2me4bp7j]

This comment is getting so tired 😴

[@nahom3]

That's exactly what I was thinking.

[@90sshows43]

No he is not ! 50k on a wedding 😩

[@Richard-vz8zu]

@@90sshows43 I know South Indians and she going to spend money on lot of golds. It's a traditional wedding. And gold is an asset.

[@Richard-vz8zu]

@@90sshows43 kzbin.info/www/bejne/emjNnHV4hayiotU Watch this video. I guess she wants it in a traditional way

[@thepeacescarf]

This was so wholesome god bless these two!

[@ashleyandandrewmd]

Thank you so much!

[@isaiahtraben1429]

Very professional and put together. These two are going to make it big in life.

[@MarcusCq]

Glad to see this man survived Covid! ✊🏽 You guys stay consistent

[@annebreal]

There are families living off of just 50,000 in Philly. This is a interesting series

[@veronicafitzpatrick3672]

Right!

[@g3ner1c]

This is great to see because that means Graham Stephan is gonna post a video about this

[@freyafoxmusic]

Go to Ross he will say

[@ajh.4131]

Honestly, I feel like they continue to make these videos just so Graham can react to them 😂 I mean, his reaction videos to Millennial Money get more views on his channel than CNBC lol

[@evangeliamintzai6302]

Yes!

[@anoukc6928]

Comments about Graham Steph are getting tired.

[@evangeliamintzai6302]

@@anoukc6928 do you follow Graham?

[@InComestheMoney]

Someone recommended this episode to us because we live right over the bridge in south Jersey and have a podcast for young adults. This was a great episode! I love seeing couples be resourceful and living within their means. They still had goals and didn’t let debt hold them back from living their lives.

[@ashleyandandrewmd]

Thank you so much!

[@kdilli6426]

You guys are doing great. Thanks for all you do!

[@kevinortizgomez2775]

7:13 I found it profound how she says “Nothing from Andrews mom” lol my toxic self would’ve paused and looked at her confused

[@iro3952]

😂Way to go Andrew’s mom

[@prateekbha]

I was shocked when she said that. She could have just said that my parents are helping with the wedding. That’s all. Why call out Andrew’s mom?! Disappointed!

[@YPEFFLE]

Especially since she doesn't live in the US! Plus I thought in the Indian culture the brides parents pay for the entire wedding along with a dowry

[@standswithfish]

Thank you for your choice of careers and your service. I owe my life to first responders (cardiac patient). Hi, my name is David, I'm 60 and a machinist working 50 hours a week. I made less than 38k last year.

[@hannahpaetz6912]

One proud Filipino health care worker here serving other countries in ths pandemic. Stay safe ya'll! Regards from Norway. 🙏❤️

[@nyembidee1]

Fellow J-1 immigrant resident doc watching here. Great to see amazing money ethic among my colleagues!!

[@MarcusCq]

FIFTY THOUSAND?!?! These ceremonies are about to be bananas. We need a follow up video.

[@SekaiiWorld2121]

Indian weddings are really extravagant, 50k is honestly frugal for an Indian wedding

[@MarcusCq]

@@SekaiiWorld2121 ooh I've heard, but that's a lot of money

[@BatsiraiMusuka]

Most non western cultures have two wedding ceremonies and the traditional one usually is much more costly

[@guacfiend]

Spent $70,000 on my sisters wedding, def not worth it. But as long as she's happy

[@MarcusCq]

@@guacfiend 😂You have the honor of best sibling in the world. She will never forget it

[@BarbeeSpeaks]

Hang in there guys! I just philly at HUH for my OB residency. It gets better!!! Almost there!

[@adultingmoneytalks391]

I have been waiting for a new Millennial Money video😍.Thank you Ashley and Andrew for your service! Overall I would say that medicine is a great profession to study in college because the courses are geared towards highly profitable job roles.

[@marklanger7965]

Andrew's brother is such a good brother who supported him through medical school.. Thats a true sibling righ there..

[@MHSMagicLuver]

Yesss, I do the same with food. Illl go to various stores for the best price. I also sign up for all the birthday stuff. :) In PA school and graduating in 3 weeks. Will be paying off my student loans ASAP and living frugally as well. I hope graham reacts to this. I think he will like you two.

[@bryanacamillebraxton4770]

I’m surprised their salaries are so low for the important work they’re doing. At least they have high earning potential. Glad he feels better after covid

[@pierrehenry3483]

It's fine it is only for residency once they start attending they will more than double their income and will only grow over time. You don't have to feel bad.

[@LaidbackLuc9]

Well, they are at the start of their career. Potential salary is high enough.

[@jhasjhis9]

Residents are essentially govt employed, their salaries comes from the govt and they control how many residency programs there are and how much they get paid.

[@andywang9005]

Residents are basically slaves

[@triiii1303]

At least they’re not paying for their residency, like the poor suckers in dentistry lol. 60k a year for 2-3 years for many orthodontic and endodontic programs....

[@ElishaLoweRN]

Love this couple! Appreciate the work you do in healthcare and as a fellow Philadelphian in healthcare this inspires me to look closer at ways in which I can reduce living expenses.Thank you.

[@thirteenwolfies]

Their childhood pictures are so cute! Lovely, humble couple! I wish you all the best

[@ashleyandandrewmd]

Thank you so much!

[@DrewSorensenMusic]

Philly is an awesome city. So much to do. And it’s pretty cheap. I lived for $10k a year for a bit. It was fine, tons of free stuff to do. And with 110k a year. There’s no limitations.

[@janinemack628]

This was a great episode and very realistic. The only thing that made me pause was her $91 food budget, but then he said he spends $270 on both them - that makes sense. I would love to see a follow up on them. Thank you for your service!

[@ashleyandandrewmd]

thank you so much!!

[@MerrilDiniz]

Beautiful love story & energy. You guys are so grounded. Life will be beautiful 💞

[@Anyiam9864]

Thank you both for all that you do!! ❤❤

[@Radiologytutor]

Can totally relate to “ delayed gratification “

[@najadea1382]

Good for them. I wish when I was 27 I had a partner who was as passionate at having a good life as me. I’m 35 now and living my dreams finally but it took a long time, heartbreak and divorce before I could get here. I wish them the best 👍🏽

[@sli6422]

He is so awkward but so real.

[@rachana481]

Ashley it was so nice to hear how hard you worked to be independent during school and you and Andrew are a wonderful grounded couple - all the best for your future :)

[@ashleyandandrewmd]

Thank you Rachana!

[@dw7647]

What a lovely couple! This is what the American dream is about and you never what or who comes out of America. They're going to have some lovely children!

[@ashleyandandrewmd]

thank you so much!!!

[@TonysLawnCare215]

118K Thats good money i live on 25k a year and i am happy DONT KNEAD TO LIVE RICH TO BE HAPPY

[@Ayush-lw8ut]

I can tell that you're not rich with that spelling

[@TonysLawnCare215]

@@Ayush-lw8ut Its ok ! the seed was planted

[@DoctorBeauty]

Hey, Ashley and Andrew! You are both inspiring! Happy to know you in real life ❤️ 🤗

[@ashleyandandrewmd]

Hi Adaola!! Thank you for your support!!

[@r.n.321]

soo coool! happy for the couple=)) shout out to fellow health care professionals!

[@erikaviteri7460]

Love this episode!! Can you guys do more episodes with healthcare professionals like physician assistants, nurses, and nurse practitioners? Please and thank you!

[@blink56k]

Right? These are more interesting than the youtube influencer and gentrifier ones.

[@Diwash1]

In 5 years after MD, Plz make a video about how their life has changed when they will be making North of half a million

[@alexsmith9915]

I'm so proud of them and inspired... Well done to this beautiful couple! Wishing them both an abundance of happiness and success.

[@ashleyandandrewmd]

Thank you for the kind words Alex!!! Wish you happiness and success as well!

[@budgetbirdy100]

Big thanks to these two and so many other healthcare workers for making Philly such a vibrant and fantastic city to live and work in. :)

[@ashleyandandrewmd]

Thank you so much!!!

[@thomasa9685]

This video is so wholesome.

[@DaveLotito]

Very hard working people right here, much respect for you both!!

[@ashleyandandrewmd]

Thanks Dave!

[@kzeb245]

Me and my husband come from immigrant parents he’s a dentist and I’m a teacher, we are still living on a budget due to student loans. I love these stories 💜they are a wonderful couple

[@paulanina2505]

my heart, these two have an amazing and kind energy about them

[@ashleyandandrewmd]

Thank you so much Paula!

[@oyster3145]

People in medicine, will always be highly valued, and their salaries (should) reflect that.

[@gl4989]

No, they get paid too much

[@oyster3145]

@@gl4989 Okay bro 🤦‍♀️🤦‍♀️

[@HassanPoyo]

Not in the UK, starting salary is £28K which is around $32K

[@gl4989]

@@oyster3145 I'm glad you agree

[@oyster3145]

@@HassanPoyo Sad, the other fool who commented would probably think that's acceptable smh

[@butterjujunut]

I'll wait for Graham's reaction and be right back. 🤣

[@draywell9722]

Let me just say that I’m rooting for these two beautiful people! I’m so pleased to see their stories being told and I truly wish them the best in their endeavors!

[@ashleyandandrewmd]

thank you so much!! We appreciate it!