Millionaire Reacts: How One Teacher Spends Her $69,000 Salary | Glamour

[@calebvogel7492]

“She spends more money than I do” Doesn’t everyone spend more money than you do graham???

[@Bumbleke]

I was thinking the same thing

[@colinpettet4280]

Yas

[@007linkstar]

@@name9074 But where you live, your father's salary is probably very high compared to average (or minimum)

[@CommandoMaster]

She's paying $33/month for a budgeting website, when she doesn't even save enough every month, is a waste of money. Spending $26k a year on random discretionary things when she's only making $69k before taxes is a really not good.

[@shaereub4450]

How much does Savannah Smiles spend?

[@Yallboots]

30 bucks a month for a budgeting service is the most ironic thing I've ever heard

[@brookeelle6879]

Hahahahah I thought this immediately 🤣

[@Brandon_letsgo]

Gzuz, somebody should teach her Excel 101.

[@jenm1]

I legit don't understand why budgeting is so hard for people. How do you not know how much is coming in and how much is going out?

[@Brandon_letsgo]

Jen McConnell Regular people are way too busy talking useless things with friends, relatives and co-workers. Every spare time they get is spent watching Netflix.

[@TruuJones]

Big scam

[@Jebusankel]

She could save 10% more just by ditching that budgeting app that isn't doing her any good.

[@simplytierresistable]

Apparently, I've seen WAY too many auto insurance commercials because I seriously thought you were going to say, "She could save 10% by bundling her home and auto insurance..." lol

[@hollystiener16]

yes, Mint is free

[@Sophie3647s]

Yes. She needs to physically sit down write it or type it into a spreadsheet. She will get tire of the long spending track and realize she needs to aim to spend much much less

[@DoraFauszt]

@@Sophie3647s I actually love using a good old fashioned Excel sheet. The fuss of sitting down and putting everything into the table just makes me spend less.

[@PossiblyRaf]

@@DoraFauszt I'm old fashioned as well and have been doing my budgeting through Excel sheets also for the same reason. Helps with fortifying my mental willpower when I'm sick of paying down car and student loans and just want to splurge but then look at my budget and all the rearranging I'd have to do to move money around so I just go "screw it, sticking to the budget" 😅

[@ledzeppelin1212]

Now do "How One Federal Government Spends its $3 trillion Salary"

[@emmacat3202]

Imagine Graham's reaction to how much the U.S. Gov. spends on the military budget.

[@Gogoairrow]

@@emmacat3202 is salary for soldiers and their training, then benefits, then r&d plus contractors. If you want to add weapons and armor plus any equipment that's why the military budget is so big. We spend more for services that don't help the public and inside deals between politicians and business then the whole military budget combined

[@emmacat3202]

@@Gogoairrow yeah. It's awful. We should give more money to troops and veterans, but not for all these weapons.

[@Gogoairrow]

@@emmacat3202 you do realize that those weapons are used by those soldiers right?

[@Gogoairrow]

Most weapons of war serve multiple tours and many soldiers over the course of its lifespan, then used for training after their decommissioned.

[@anakitasmiles3261]

My bank statement was like that last month. I finally made a budget and almost cried at the money I lost over the past few years. I cut down ALOT and am FINALLY getting a grasp on my money.

[@petrishalee2315]

Great job!

[@user-nc9sq5oi4b]

Keep it up

[@Pandorash8]

We all start somewhere. Future you will be so grateful you’re on it now xx

[@sebastienc.2257]

Yeah that’s where I’m at now. Making that transition

[@carolineborham1126]

Better late than never! Congrats on your budget!!

[@RelevantDad]

Graham should have a service where I could send him my bank statements and he could make me a video yelling at me about my spending.

[@shaereub4450]

He wouldn't yell he'd cringe

[@MissMBA]

Kinda what Gordon Ramsey does to people's cooking.

[@gracebeane9793]

his version of OF

[@angiem7725]

Yes!

[@victoriawest2557]

Yes!!

[@MisterPol]

*Person with a $70k salary: drinks $5 Starbucks coffee* *Graham making millions: drinks $0.2 home made coffee*

[@ilikelebronjames6426]

Paul Ratiu it’s really dumb in my opinion. Why work hard, and make a bunch of money if your still going to live like your poor?

[@paulojelade3380]

@@ilikelebronjames6426 how do you think he got rich by spending lots of money on Starbucks The rich get richer by spending like the poor the poor get poorer by spending like the rich

[@Mr.khan_41]

@@ilikelebronjames6426 That's how you stay rich. . Plus he's happy so what's the point.

[@Hijado]

​@@ilikelebronjames6426 Graham would have never gotten to this point without living frugally. At some point it just becomes second nature, and by what means does he look poor? He has enough food, nice home, all the electronics he needs. The only things that he doesn't have are designer clothes, eating out a lot (which is also unhealthy) and other non essentials. He is satisfied, a supercar, gucci or anything like that isn't going to make his life any better. Just a waste of money at this point.

[@altruisticlemur]

@@ilikelebronjames6426 This is his passion if you haven't notice by now. Saving money is what makes him happy. So if that's what he wants to do, who are we to barge in and say he can't do that?

[@DoraFauszt]

I love how she actually rounds the expenses down - like Starbucks $4.69 was just said "$4". Nope that is close to $5 Ma'am! You can tell she is ashamed to admit she spends so much!

[@blade643]

My girlfriend sees expenses the same way lol! I've opened her eyes to money discipline, but she will say something is 5 bucks when its 5.99 .. I just shake my head

[@TheNinjapancake14]

I don't think it's shame, just a bad way of rounding 😂

[@DoraFauszt]

@@TheNinjapancake14 there is something to it, that it is a shame. My mother admitted several times she tends to round it down to mitigate the feeling of "gosh that was a stupid purchase". This actually stuck with me and I deliberately round up to feel that my actions have consequences. I also read articles to the psychology behind this.

[@TheNinjapancake14]

@@DoraFauszt huh, maybe it depends on the person. I know people who spend ungodly amounts of money on things they enjoy with no shame (good for them!) But they're in the same situation as this teacher-money saved up from cheap rent +reliable income, even if it's not a lot

[@addisontop]

even more staggering is that she has a masters degree apparently and she cant do basic math. Although that is the reason why those types of prices exist.

[@goodwalkproductions5170]

> Spends $32 a month on budget planning. > Has no budget. WHAT?

[@04dram04]

Life can be a bit hectic, and things dont go as planned

[@dallyh.2960]

@@04dram04 She's out here spending $60 a paycheck on nails. If her life's hectic, it's cause she's choosing it to be. No excuses.

[@Christina-cf9ot]

Mint is free... Why is she even paying for one at all?

[@johnt1741]

She will be in government soon

[@stud6414]

@@johnt1741 she's a teacher/activist so...

[@kel5710]

While I don’t spend near as recklessly as she does, I can truly empathize with her situation. Many of us have such an awful work/life balance, spending on frivolous items makes us feel, temporarily, like we’re getting something for our hard work-that immediate gratification. We do this on a subconscious level. Good thing is she’s still very young and recognizing (and acknowledging) this issue very early on so she can start to create healthier budget habits.

[@adtc]

That makes sense

[@hornetguy9063]

I think that’s how they get you. You wake up every day doing your routine job with 0 inspiration. Come up a little short on sleep, you’re busy, you’re tired. So you go on that trip, or buy that TV, or whatever. After all, you worked hard and you earned it. But compare this to Graham. Money is just to keep score. He wakes up and he knows the effort he puts in, whether it’s making more KZbin videos or researching more investment opportunities, is actually tied to a real dollar value. His life isn’t just a ritualistic habit. It’s actual strategy. Graham probably also feels 100% in control of his life. So he doesn’t need short term dopamine kicks to be happy.

[@MarcoCastilloVideos]

Truth, we still can create healthier financial habits.

[@joshfx3756]

that intro lmao... Truly Grahams idea of a horror movie.

[@xaviersfinance2664]

Yeah

[@imnotsharingmyrealnameonth5601]

@@xaviersfinance2664 june 2018 😱 omg it keeps going

[@xaviersfinance2664]

@@imnotsharingmyrealnameonth5601 I'm confused what?

[@imnotsharingmyrealnameonth5601]

lol its what he says in the beginning

[@desmondgallaher1288]

Fact: anyone who spends more than they save horrifies graham

[@QuestionEverythingButWHY]

“Don't tell me where your priorities are. Show me where you spend your money and I'll tell you what they are.” --James W. Frick

[@ElleEasternSuburbsMum]

paula 😂😂😂

[@brentmcchesney1660]

My priority then is gasoline for my truck.

[@QuestionEverythingButWHY]

@paula how do you see me in every comment? Are you stalking me? 😂😂😂. Stop Graham from making this kinda video then I will automatically stop posting this relevent quote. JK.

[@crxracer805]

@paula really? First time I see it

[@williams4000]

I kinda like seeing it alot

[@daydreamerwanderer]

YES! Glamour has so many trainwrecks that are waiting to be discovered. You need to watch all of them.

[@TheGrahamStephanShow]

Will do!

[@Brandon_letsgo]

@@TheGrahamStephanShow Hey Graham, the only thing that your channel needs to be perfect is english subtitles. That's for you audience that is from non-english speaking countries. I bet that will increase views and most important, retention.

[@gerbelle90]

Agreed! And it makes me feel better than seeing videos of people making 100k a year and more, it is not relatable for me.

[@nickswf]

I wonder why her budgeting service doesn’t say anything .... even mint alerts me when it’s a big spending month

[@InfinitySkyMusicYT]

Maybe it does and she ignores it ?

[@gab7yearsago452]

its working bcs she budgeted 300 saving, she spend all the rest

[@KristensClassroom]

*Shout out to the teachers who make less than this girl and save more at the end of the month*

[@xenxander]

That would be me. A tiny bit over 40k/yr and I save 12k/yr towards a house fund, and spend on myself less than 200 per month, after bills and rent.

[@Tierbp]

Same girl! I started teaching last year in august & have 9000 in a secondary retirement and about 3000 in additional savings 😂 42,000 a year! Cheers to you teaching in these times!

[@MyLady22]

A “Monday” could mean that she spent money on Friday, Saturday, and Sunday but it finally clears on a Monday. When you were like when is the 18th I was like let me guess: a Monday lol.

[@osmall25]

I said the same thing.

[@alexbob5209]

The 18th was a monday in 2018

[@jrwntctv8091]

Yes - especially when it skips the 16th and 17th on the bank statement - that's the big clue right there

[@erin8133]

I thought that too!

[@MattSezer]

She's a teacher and June is the summer, so she may not be working then.

[@tidseargram]

A high school teacher from Scotland here 🙋🏻‍♀️ this is my third day without Starbucks / Costa Coffee. Wish me luck Graham! ✨

[@nikkiatkins33]

Stay strong. You can do it

[@tidseargram]

@Coffee conquers all Haha, we have too many Starbucks here! I've visited NY a few times and prefer the taste of Dunkin Donuts coffee... the size of a small coffee there is literally our large!

[@mckenna6179]

update? good luck!!!!! ❤️❤️

[@tidseargram]

McKenna T. Still going strong!! Even though they just built a Starbucks drive thru next to my work😟

[@mckenna6179]

Diane Bruce you can do it!!!

[@dhruvjoshi6035]

She is pumping money into the economy. 😂😂

[@bjwkusgxjdks]

She saved the world economy🤣🤣🤣

[@joe241able]

i know a women that does that to lol

[@x0louis0]

She could be a whole countries economy

[@RS-vb5kn]

Rishi Sunak in the UK would love her during COVID

[@bradfordlangston836]

She is the stimulus

[@lola789ify1]

she could easily save more than $300 especially since she has over $2000 after paying her bills 😭😭

[@hollyluvsyou321]

agreed. i saved $300 a month while i was in high school working part time at a fast food place. a full time career should allow much more in savings

[@alexandrademartini7496]

I think it says “one teacher” instead of “a teacher”, because “a teacher” would imply that a teacher of many would typically spend their money this way.

[@happycook6737]

I'm a teacher in a poor state. My nett take-home pay is $1800. If I spent like this teacher I'd be homeless.

[@LadyPantera57]

She has a golden opportunity to save with that amazing rent situation! She's still young. I didn't learn how to save anything until I was 31 because my parents never saved. Sometimes you need a scary situation (like when I only had $75 in my bank account and three of us to support) to turn things around and begin preparing for the future. I wonder how her spending has changed with the current economy and social distancing?

[@jrt2792]

Reasons why having savings is very important. Just in case a worldwide pandemic occurs. 2020: I accept your challenge.

[@DoraFauszt]

I wish I have also spent less in my 20's. I really only started doing finances like a proper adult when reaching 31...

[@jenm1]

It makes me cringe because if I had her salary, I could go to school and literally save for all of it in a year and save for medschool in another 2 years

[@IamErikDominguez]

I can’t believe he didn’t go crazy when she said she spend $30 on a planner from staples. I work at staples and I can’t believe how much the planners are.

[@lob1523]

Time to get in the planner business

[@nicolenunya984]

I got me one for $5 at five below lol

[@nikkinoos82]

I just purchased a really nice 1 year and 5 year planner off of Amazon...15 for both. 30 for one is krazie sauce!

[@simplytierresistable]

I just get a super basic student planner from the dollar store. Works for me! Lol.

[@Strawberrynomad2345]

I literally wait a couple weeks into January every year and grab mine for like $7-10 bucks a year from Barnes and Noble when they go on sale. There is no reason to spend that much on a planner.

[@smokedolla]

Some banks set weekend purchases as “pending withdrawal” until the first business day so she probably made all those purchases over the weekend and then got charged it ALL on the 18th. Like my credit union 😡

[@MyLady22]

Lol exactly my thoughts!

[@eduardovargas9865]

It’s called federal reserve closed over the weekend...

[@Snicklez89]

Tell em babe!!!!!

[@itsalovelybae]

Her: I have $23k in savings Graham: eh, decent... Me: *laughs in poor* lol

[@04dram04]

SHe obly had $2k in volitary savings.

[@wordforger]

...I have $33.

[@guccidonbuzzflightyear4440]

All my savings in Bitcoin or ethereum

[@peytonsteinmeier9861]

i’m only 15 and i’m glad i found graham’s channel because i always learn something new. for example off peak electrical hours 😂. i never knew this existed

[@gregmccauley1687]

yeah basically the power company has to run the generators to provide power, the more power the more heat, the more heat the more resistance (meaning even more power needed that ends up stressing the electrical grid). So they "incentivize" people to use high amounts of power when the power grid isn't receiving as much traffic. Washer/Dryers use tons of power so you can save money by running them off-peak, which would be something like after 7 or 8pm at night or before 10am. It varies a lot, esp. in summer when ACs are running.

[@uns33n]

@@gregmccauley1687 in many states you do have to opt in. And in my state its only an option during the summer months.

[@lilacsun2108]

*laughs in less than $40k teacher salary*

[@figuringitout4732]

I make about 30k after taxes and including paid holidays I think, but thankfully I have a second job, so I can make another 15k a year on top of that

[@Abnerdoodle]

I hear you; I make less than $30K as a teacher after taxes. Comparing her salary as a NYC teacher to someone who works in a rural area is essentially her working at a less than $30K teaching salary in most rural US towns.

[@michaelsmith953]

@@Abnerdoodle to be fair it costs much more to live in nyc

[@annaphillips9573]

Yes 69 thousand is a lot for a teacher

[@Ladysolitude24]

$69,000 is not even the top salary step in NYC. I make $89,000 and the last step is $124,000. I live on Long Island and some districts pay more than NYC. Teacher pay is more here due to the cost of living and strong teacher unions. Additionally, we are required to have a Masters's degree to obtain permanent certification. I can't imagine only making $40,000 and having to pay student loans.

[@lifeofmaru6422]

My friend is a teacher in California with the exact same salary $69k. He puts a little over half his paycheck into savings every time.

[@navykeef]

After half his money goes on taxes

[@navykeef]

@RpM_Evan I was obviously joking about half, but it is ridiculously high.

[@jasavak]

@@navykeef Its not half , its only 49%

[@drinkthekoolaidkids]

What was the key word in your comment ......

[@pianoish]

Sounds great if you don’t have to pay rent or a mortgage plus other bills! What money are they gonna have left for food?

[@des1458]

top 3 financial disasters: 1) 1929 depression 2) 2008 crash 3) a teachers financial statements

[@mreddieg]

one*

[@KO-lw4lo]

@@mreddieg Thank you...

[@bjwkusgxjdks]

Legends say that that woman predicted that the economy will drop this year. So she tried to get it up as much as possible in medio 2018.

[@Jeiss_V]

"she spends more money than I do" Graham a homeless person spends more money than you what are you talking about.

[@electricv564]

Ikr

[@sineadhunt9657]

Homeless people actually have to spend more money than someone with a home would, the cost of a nightly motel or a pre-cooked meal at a fast food outlet instead of a week's groceries divided out across the week that can be prepared and cooked at home is astronomical by comparison, the way things are the poor are kept poor because even the rich couldn't afford to be poor

[@brendenshouse5807]

@@sineadhunt9657 That's not how that works at all. Most people can't afford a motel because it's MORE than rent (unless you live in LA) Eating out is more expensive (DUH) but you all act like the dollar menu at taco bell isn't a thing or the deals that all fast food places have. You can make a sandwich pretty cheaply. Obviously cooking at home is cheaper but seriously, the poor are "kept" poor because no one else can "afford" to live like them? No, somehow I don't buy that. Watching that one heavily debunked video from Vox you're obviously quoting doesn't make you an expert.

[@gregmccauley1687]

I mean 2 grand a month in spending seems like a lot to me without a car payment or loan repayment of any kind seeing as she's single without children. 20$/day on food and 100$ for cell bill (I'm being generous) puts you at 1300$ still left to spend, this is after rent and utilities (which I'm sure included her cell phone and internet service). I guess I see it from the other side, where she can't save, I can't spend. I'm looking at 1300 after everything is paid for and thinking that's a pretty big number, how am I going to spend that?

[@joelwillems4081]

@@gregmccauley1687 You spend it on the stock market!

[@AztlanViva]

Loved it when folks would call in to The Suze Orman Show and say, "Suze, our household income is 275K and we just can't live on that. What can we do." Always gave me a belly laugh.

[@FrugalTeacherFI]

Same with every other caller on Ramsey

[@ReeceIovine1]

DANG IT, what is she thinking NOT washing clothes during off peak electrical hours 😂

[@andrewcaine2836]

Wow dude you look impeccable haha

[@sophisticatedserpent1512]

I just looked over your channel and you have the same shirt in every thumbnail for the past month🤣 I understand that you probably have a bunch of identical looking shirts that you wear in rotation but it's still funny

[@ReeceIovine1]

@@sophisticatedserpent1512 lol tbh i took a ton of thumbnail pictures one day wearing the same shirt...they are different in the actual video 🤣🤣🤣 looks like i need to change it up now that you noticed

[@Ian-bt8dz]

Idc if I have more money than bill gates and free energy... I’m always off peak electrical elhours

[@sarahs.9292]

I live in NC and we don't have off peak electrical hours. =/

[@thegavinkingshow]

He cringes so hard when he see’s how many purchases are done in one day 🤣

[@TheGrahamStephanShow]

😬

[@mariahmaganda385]

Oh my gosh. If I only paid $600 for rent I would be saving up everything to buy investment properties

[@04dram04]

Its easy to onlt spend that much on rent, when you sublet out your spare bedrooms

[@dii-N-sd]

Right...those were the good old days when I had my first apt in MI. Then I moved to San Diego. It's expensive asf but I love it! No more snow for me. 😂

[@RR-xz6bv]

Everyone says that until they get the YOLO blowing thru your ears starting to fear dying then you spend every cent and your back to square one

[@mariahmaganda385]

@@RR-xz6bv to each their own 🤷🏻‍♀️

[@RR-xz6bv]

@@mariahmaganda385 that’s why I live off credit and I’m hoping I die before I have to pay it back

[@SoundsAndMore7766]

Per making $70k per year : probably goes into debt drinking $5 - $8 coffee daily at Starbucks Graham making millions per year : enjoys some $0.20 iced coffee daily from his kitchen

[@frankvonfrauner]

A retirement fund is not "savings" Amazing how many people think they can just stumble their way through life with zero education in personal finance, then they want to blame the government or society for their brokeness.

[@roadhog6603]

So true. Insightful.

[@oshitaiya3651]

I mean, you’re acting like personal financial education has been so readily available for everyone to learn. I’d say that in the past 5-7 years it’s become a lot easier to learn if you have access to computers or a smart phone. The reality is that there are thousands of people who don’t. And even for those who are learning now, there’s still a learning curve and it takes time to get good with money. This is coming from the daughter of a single mom who never had an adult teach her about personal finances and thus couldn’t teach me about them either

[@vqinred9689]

@@oshitaiya3651 spend less than you make, and invest the rest. It really is not hard..

[@Burdrann]

@@vqinred9689 where and how do you invest? while it is not hard, it also isn't easy

[@Gogoairrow]

@@oshitaiya3651 their are books in public libraries about budgeting and finance, plus most 🇺🇸 libraries have computers as well since like the 2000s

[@legodice123]

Banks consider Saturday/Sunday/Monday all the same business day, so all those transactions on the 18th probably took place over a weekend rather than one day

[@realtissaye]

Ohh true

[@QuestionEverythingButWHY]

“Before you criticize someone, walk a mile in their shoes. That way, you'll be a mile from them, and you'll have their shoes.” -- Jack Handey

[@moonlight-hm4bh]

Nice

[@ericimi]

Lol

[@nw9801]

Wow I always loved this quote but never knew who said it. Thanks!

[@Sesamestreet9080]

El o el

[@bwanikajohn7002]

Theft

[@QuestionEverythingButWHY]

“The universe consists of 5% protons, 5% neutrons, 5% electrons...and 85% morons.” --Frank Zappa

[@ivak8988]

Hahaha good one

[@kelsopresley]

Lol, yo, would you mind checking out my song for me? Its on my KZbin page. I'm trying to connect with people through art and be expressive.

[@nox5555]

@@kelsopresley realy bad idea to post anything music related under a Zappa quote...

[@kelsopresley]

@@nox5555 Maybe so

[@hoshme]

Always love seeing Zappa

[@beanallene]

"That is a monday" she obviously didn't spend all that money on Monday. The way bank statrments work is that the money you spend on Saturday night and Sunday are pending until they fully go through the system on Monday morning.

[@jlovesj3335]

"500 bucks a month, the most" My heart dropped. I spend like $25-40 a week max unless I'm couponing and doing a big shop.

[@ByeByeBelly]

Geez. We dont even have coupons in my country. Well nothing that will save you big money. Just half price specials at the shops and a few crappy liquor deals on your shopping receipt

[@juliafarhat6685]

Teach me ur ways 🙏🏻

[@cathaleenk8752]

Does this include your food budget, transportation and essentials?

[@bendakstarkiller3407]

How can spend 25 a week on food 😳 teach me your ways.

[@shabirbari5329]

i think he included rent and utilities with it tbf

[@BrianCastro35]

Was I the only one that noticed that she spent all of this money on her debit card (check card)? She could’ve flown to Ohio for free!

[@nestyie3835]

Can someone please explain how would she do this?

[@armanhaji]

「Desu」 points!

[@sadsnail4274]

@@nestyie3835 racking up airline points by using a credit card!

[@armanhaji]

Irene Goodman right. She could’ve flown to Ohio for free HAD she used a credit card.

[@mariloudebouche9258]

@paula the Us is the only country I've heard of where rewards are attached to credit cards, I guess it's all about the consumerism culture, but most people I know in Europe only use credit when abroad or some online shopping, otherwise de all use debit since it's easier to keep track of it

[@bekah21091]

My bank processes all my weekend spending on Monday, so every week it says I spent all the money I spent on sat and sun, on Monday instead. So maybe that’s why so much on the 18th, but still that’s too much spent in such a short amount of time.

[@doorrito]

If that was her credit card statement her charges could have all went through on that Monday (June 18) since they're usually in pending on weekends!

[@iskanderkhan5980]

But even credit card statements show when the transaction occurred, not when they went rhriugh

[@evelynmoore8316]

I feel like graham stephan needs to know that he's ruined my dunkin coffee trips

[@icantspell210]

I’m actually crying this is so funny, watching him get increasingly annoyed and exasperated at her reckless spending

[@michellerevisited]

Remember when you used to be able to go places and spend money there? Wow, good times.

[@Jdb63]

Ah yes, the before times

[@financiallift6185]

I guess you desensitized me Graham, because I wasn't bothered or surprised at all at this point

[@sebcubille]

9:42 “she spends more money than i do” who doesnt lol

[@kelsopresley]

Facts😹Yo would you mind checking out a song for me on my Yt page?

[@mariah660]

This is honestly the video I needed. In the last year I was able to bring my cost of rent down from $1,300 a month to $600 a month and I used to save $1,000 a month when I was paying $1,300 for rent and now I’m spending like crazy when I could be putting away more for savings now that my rent is lower.

[@MillaExplores]

I can feel Graham's anxiety over her spending! She should definitely be able to save so so so much more! 😂

[@bruckeundkeinzweck]

Let's all just take a moment to appreciate the time graham took setting up his camera so that when he stands up it's perfectly on his neck.

[@ingridayarza]

I thought the same lol

[@SincerelyDarc]

I literally make what she makes and my discretionary spending is $150 😂 including buying my mom dinner once a month lol. But I’m an accountant🤷🏽‍♀️

[@buildingabout3505]

My discretionary spending is about -250£ a month. I buy desktop cnc's and 3d printers for myself / my hobbies, after I use and refurbish them , I end up selling them for profit. I am a mechanical engineer.

[@johnbrown4350]

wolf Na weird flex

[@buildingabout3505]

@@johnbrown4350 but it's ok ?

[@johnbrown4350]

wolf Na yea it’s okay just seemed like you were trying to flex on a random person

[@buildingabout3505]

@@johnbrown4350 is it still flexing at 250£ on a page where people talk about millions?

[@Darkredwood]

As a fellow teacher, I can’t wait to watch this one.

[@weekendhomeprojects]

Was it as good as you dreamed?

[@Darkredwood]

The unHandyman not gonna lie, I was disappointed in her. She’s blowing through money. I was gonna give her the benefit of the doubt for the GoodPlans thing (I thought it was a lesson plan subscription), but damn.

[@financebros7803]

Lol I only make 40k tutoring almost ft and save more- gives a bad rep 😅...does she not have any school loans either??

[@weekendhomeprojects]

@@financebros7803 You make 40k tutoring? Nice.

[@financebros7803]

The unHandyman lol it’s not much but it’s the only job I can manage while in school and gives me money to pay for some of tuition/ invest/rent and life so def grateful

[@VickiPzxc]

Oh my goodness, this is how I spent my first 5 months out of college. I really think she should switch the savings with the spending; instead of saving $300, that should be the monthly spending, while the ~$2K could be saved and invested. I cannot imagine living this lifestyle, especially right now! I really hope she changed her habits in time to give her some cushion during this pandemic

[@user-rg1lx8yt6g]

This just shows how people choose to stay in middle class and yet preach “guru words” about finance. It’s upsetting.

[@manujapasyala8606]

The new intro is great ... these small innovative touches always make things a bit more interesting

[@nascarstopmotionandmore4266]

When it said viewer discretion is advised I thought that it was because Grahm was about to go off on the teacher, but now I realize it’s cause the salary is $69k

[@rossella7207]

I don't get it

[@yaykruser]

Rossella Me neither, maybe because she makes so much money, and dont want everyone to know that?

[@MissMBA]

@@simplytierresistable It sure is. Same as his 420K joke.

[@ByeByeBelly]

@@liviaclaire I think they just mean 420 which is a weed smoking reference of 4:20 for whatever reason. I don't get stoner culture cause I smoked weed once and felt like I was dying and got drug induced psychosis sooooo I don't get what people get out of it but it's certainly not chill for me.

[@liviaclaire]

@@ByeByeBelly oh, I did not know that! Yeah, I've tried it a couple of times but I don't like the smell and it made me nauseous so I didn't smoke it again.

[@awesomejt242]

Keep grinding these videos out man, I’m just a 15 year old trying to learn about life and how to save money and you have helped me save up 2k for a car thank you🙏🏻

[@3322-t8r]

14 and working on doing the same thing 🤝

[@ihateyouall7026]

i’m 15 too and same!!

[@channelsum4kinder]

Buy an PS5 and read Wuthering Heights -- worring about this stuff at 15 is a waste of time ( coming from a 29 year old with a car ) you have the rest of your life to become boring

[@devinotero1798]

Why do you need a car at 15 lol

[@jamingaming9251]

It's never too early to worry about how your going to live a comfortable retirement when your too old to work.

[@carson551]

I can him yelling at me, “How do you spend $200 a week at Walmart?” Answer formula and diapers are expensive.

[@ByeByeBelly]

Better than 200 a week on ubereats.. which I have done..

[@JohnnyPresto]

Abortions are pretty cheap these days from what I hear. Almost as cheap and used as the excuses of mothers who have made horrible life choices. 🍆🍆

[@american6183]

can't believe its 200/wk for even twins. i had diapers and formula for years, even twins at one time with others and it was never that much a week. by the way, instead of gerber, you can buy frozen mixed vegetables, boil and blend them - instant great mush - you can even eat it yourself.

[@luciagutierrez3073]

I felt personally attacked watching this. 🤣 Graham motivates me to clean up my bank account and get serious about savings.

[@jacksondebenham]

YESSS LOVE THE REACTION VIDS FROM GLAMOUR

[@TheGrahamStephanShow]

Thanks!!

[@colinpettet4280]

@@TheGrahamStephanShow Hi

[@ethiird]

Payments get processed Monday, so June 18th was all the payments over the weekend

[@kellyegeline9823]

Graham probably doesn’t know this, because he doesn’t spend anything 🤷‍♀️

[@alexandrademartini7496]

As a teacher I can say that sometimes it’s challenging to not eat out or take an Uber after a 10-14 hour work day, but it is possible. You have to plan your time well on the weekends to set yourself up for the week. It’s also the case that some of these things she/I should be able to afford, but if we are being realistic, it’s not in our budget. As a teacher who works in San Francisco, I make about what she does, my rent is a lot higher. I feel like we deserve to be paid more, so we can afford to eat out every once in awhile and save and buy a home. With that being said, we make what we make, so we have to budget well. Many teachers I know have a lot of student loans. I’m surprised she doesn’t. She’s really in a good position to save. She’s still pretty young, so hopefully she can make some different choices.

[@ecuabaddie]

Your face when she said she doesn’t have a lavish lifestyle 😂😭

[@aiv4873]

In 8th grade I had a english teacher who always complained about teachers not getting paid enough. Last year I went back to one of the teacher conferences for my younger brother, and turns out that she got divorced and got money for it. She bought a C63 AMG from Mercedes Benz and then still complained about how it's hard to afford some things. Her car was like 80k.

[@desmondgallaher1288]

I'm 2 minutes into the video and already I just know that there will be super expensive Starbucks coffee which in NYC (and LA) costs more than anywhere else! I mean you could save that extra five dollars a day and by the end of the year you will have saved almost $2,000!!

[@euenfheiejrj]

I personally hate Starbucks but you can get great coffee in the food trucks for much cheaper (when you’re not making it home obvi).

[@investorwayne]

9:40 Graham: "she spends more money than i do" Everybody: "Everybody spends more money than you bro" even broke people LOL

[@DRJoe100]

She was rounding down on everything. Down playing it.

[@SyFyBry]

Poor people see money as a thing to be spent, rich people see money as a thing to make more money

[@convertiblejay4857]

June 18th is a Monday. Meaning all of the weekend expenses are released when her bank opens. My bank does that.

[@justalittlebitmo]

Graham is exactly right! 🤦🏼‍♀️ Her rent is not going to always be that low. She really would benefit from acting like $1000 more per month were going toward rent... but put it into a Roth IRA instead.

[@jameshaines4260]

graham : thats a lavish lifestyle. graham : next second, flex the 20k watch

[@GrowWithWill]

Real talk, teachers are not paid enough for what they have to put up with. Especially in the current global situation.

[@ericimi]

They do minimal in the current global situation .

[@bmpproducer9334]

@@ericimi teacher do more than normal because they need to make up tasks, educate themself on the whole digital stuff and correct and overlook every single task from students. They are doing more than normal even if they arent in school atm

[@blueberry01120]

@@ILubBLOfficial Americans are individualists, so they will never be happy paying toward communal resources. It's why they're on the decline.

[@yugihlh]

Graham has so much fun with these videos this is literally his happy time I love it 💪🏾 you’re the best dude keep it up your channel has had crazy growth!

[@goma3]

"$30 for budget planning app" Enough said.

[@NinaThomas]

Loll! I"m dying at the horror music background as Graham read through expenses 😂😂😂

[@notclaire612]

Wow, I feel bad if I make three transactions on a Saturday! (Groceries, Target, and some other errand...)

[@KayPierce]

She’s making twice as much as I do teaching in NC. I’m on my third year and not making anywhere near that!

[@michalhoveskeland5308]

Maybe he's recommended something before, but I'd love to hear some tips on how to budget. For example, a simple spreadsheet would be super helpful! I find myself spending like this lady. lol.

[@hhjggjfrt7794jn]

I’m not even 18 yet, and when it was recommended that I use my card to pay for my phone to get credit points I didn’t see the point, watched your video and regretted it immediately 😂 I will deffo use your tips to start saving, wish I did this last year as now that I don’t have a job I’ve got no money 🙃

[@lillyrey5727]

When I lived in NY I would buy a metro card and not take taxis. You're in NY! Walk!

[@totallynicholas4630]

since June 18 was a monday, all of her friday/saturday/sunday transactions would post on monday/tuesday

[@nilimarose]

plus she said she went on a trip to see her friend, so all of that was vacation spending.

[@Blissbb]

She just made me feel good about my spending and I'm not even frugal

[@VincentPaulS]

"Is she running the washer and dryer on off-peak electrical hours? Cuz it sounds like that's what she's doing." Lolol, never change Graham.

[@mrconnect87]

4:13 I run to the laundry room to shut off the washer and dryer. Thanks Graham, you saved me . No more doing laundry at peak hours!

[@josephsewell3006]

Listening to other peoples financial situations makes me feel fantastic about myself

[@incredinvestor3107]

I literally thought I was having a financial nightmare when the first part of the video came up.

[@gundambanshii9735]

Do a video on a PhD students stipend, since I've been hearing lots of things about them getting low stipend money while having to live like that for 6 years. My current full-time job right out of undergrad even pays more than that. I always wondered what a well-off person like you would have to say about going to grad school.

[@ladypink3473]

When you said “why is she spending $270 on utilities?!” You sounded like my mom. She’s so frugal and hates paying over $20 for water, $50 for electricity and $50 for gas, she complains about her $60 family phone plans and wants to switch to another company but I refuse to do a family plan with a company like Cricket..

[@rebeccalindsay5795]

How much do you contribute to the household bills?

[@nameisblank2023]

@@rebeccalindsay5795 asking the important questions

[@zexacal]

I'm a high school student who will soon be entering into the real world. I'm so glad I found this channel it's extremely informative about financing. Basically all the stuff that would actually help me instead of the garbage I "learn" at school.

[@marianoperezromero3277]

I thank my history teacher for showing me graham Stephan 2 years ago

[@stephen1503]

Watching this made me feel like graham was yelling at me himself as I spend most of my income every month...😬

[@brickzandstickz2749]

does graham even know how much shake shack is lol its like 10 bucks a burger and he thinks 8 bucks max for a MEAL

[@carnival30]

lol true

[@mistyc7478]

My boyfriend and I eat out once or twice a week. However, with the portion sizes in America we only order one entree and then split that. Maybe splurge for dessert or a side dish if that wasn't enough.

[@RoxiieSays]

I’m sure all those expenses happened between 6:30pm Friday to Sunday night and they just all posted on the following Monday. I can’t tell you how many ppl I had to explain this to when I was a banker LOL!

[@CamKnoppMusic]

I've found that just using an expenses tracking app (I used Clarity, but I'm sure they're all basically the same) makes me way more aware of my spending and just having that constant awareness makes me spend way less.

[@renaesutton3145]

first clue was in beginning of video when she said she had so much left to SPEND!

[@zziggy808]

Who are the 10 yt “guys”? Graham, Chelsea from TFD, Andrei, Kevin, millennial investor, Nate O’Brien,...

[@chailattee]

I almost spit out my chai tea when I heard Graham adding up all her spending 😱

[@PInk77W1]

I rode my bicycle across India. I love Chai

[@CarterColeisInfamous]

your face while shes reading the list is priceless... you would cringe if you knew my salary was paycheck to paycheck

[@absolutebeautyxoxo]

I’m crying I’m a 27yr old teacher In NYC. Thts just how much we make it’s a salary step thing. Some my age make more very few make less unless they just started but with our masters thsts pretty much the salary. & I still can’t get proper living hate it here 500 a MONTH in NYC! You walk outside and breathe it’s 300. Ain’t not a single way 17 is a normal meal at shake shack. Food costs way more in NYC what is $8 by you is double here