Millionaire Reacts: How This Barista Spends Her $15K Salary | Glamour

[@ARpirateant]

She “has 1k” to spend girl you’re in debt you don’t got money to spend. Sit down and pay off your debt

[@bsolutions525]

she should be on rice and beans

[@dez892]

H H yessss! especially when you season the beans just right. My stomach is grumbling just thinking about it!!

[@bsolutions525]

@H H rice and beans with sides of caviar and champagne...

[@ARpirateant]

Boss beans are so good you can eat them all kinds of way #classybougieratchet

[@heavlenly]

I like rice/eggs and bread/eggs

[@thatdamnnyquil]

Her excuse for spending so much on fast food... “I’m always on the go.” Why? You only work part time... go home and read a book or something, don’t go out on the town and spend $40 on dinner...

[@khadijahjones2460]

💀💀💀

[@joshuajohnson1315]

Nicole Cater i mean books are boring and going out is fun but she can at least go out and not spend money

[@ThungStudios]

$150 on fast food in a month is $5 a day, which doesn't seem that bad tbh...

[@360.Tapestry]

@@ThungStudios it's bad when it's over 10% of her entire income

[@360.Tapestry]

@@joshuajohnson1315 books are boring and going out is fun? wow, i never thought of it that way before

[@AnnHelle]

this dude's passion for money is contagious holy moly 😂

[@buttermansthat5270]

It's amazing

[@einpaladinderehrenfeste9245]

jews man smh...

[@zenniz1992]

Its all about finacial self-discipline.

[@thisisyourfinalwarning]

Happy hour sushi and $3 beer, I love it! 😆

[@allen.btrucking5249]

Right

[@a24e]

She is spending a lot on her friends, they should stop accepting her gifts after seeing her glamour video lol, she is too nice i think

[@ayanomar1408]

I think they are taking advantage of her

[@solegonz762]

I hope she learns. Especially during these ko ko times. It's the days of reckoning.

[@ginab4905]

It’s possible they don’t realize the extent of it, but my friends make exponentially more than this girl and if one of them ever spent $71 on birthday cupcakes for me I would stage an intervention for their spending

[@princejahn8234]

not too nice, shes trying to live the life of a middle class family when she cant afford it. She could have tried to bake her own cupcakes 20+ times and it would still be cheaper than $71. Also, making monthly installments for a gift?

[@panda_dva2261]

Stupid attracts stupid. Im sure she has the friends that live in shitty ass apts, but are buying loui Vuitton bags lmao. I love seeing these kinds of people. Makes my heart warm knowing im on the right path. You cant compare success without seeing failure.

[@mochacoffee101]

I’m confused, she lives in NYC...how come she isn’t using public transit? It would be a lot more affordable than having a car.

[@stephhhie17]

I don't understand how her rent is $350

[@shaquicedacosta]

Goat K probably an apartment with 3+ people

[@ohfortheloveofguacamole6803]

@@stephhhie17 She lives in a closet with a roommate...there are "apartments" in New York that are 150 sq. ft. And if you have a roommate...it can be done. Though, not a very great lifestyle.

[@nonoseghoulmcgee]

I live in NYC and just because its a metropolitan area does not mean theres trains and buses that go everywhere. Just look at a subway map and you'll see. For instance, I'm a 10 minute drive away from work but by bus it takes me AN HOUR to get there. So I splurge on Ubers lmao

[@shaquicedacosta]

Victoria Paukova I think people assume Manhattan = NYC. They forget about the other 4 boroughs.

[@morgandevol6218]

You should do a video or series of how you would budget/spend different income levels. I’m a college student and I think that would be super helpful!

[@Jennstahlove]

Morgan Devol yessssssss

[@BrunetteGiant]

Great idea!!

[@DanielDCotta]

He spends the same amount regardless of his income. You should not aim to spend more just because you earn more.

[@pizzadispenser1389]

So in math there's a thing called percentages, don't know if you've heard of it.

[@DanielDCotta]

@@spuilloh2637 as long as that certain point is after do not need to worry about money (or working) more... which is impressive!

[@stefmills15]

Usually, I go hang out with my parents if I want to feel judged...but now I can just watch this channel!

[@zaliradford4994]

Stefani Mills same lmaooo i moved out but now i have a substitute judgmental parent

[@oroville12345]

If the shoe fits Wear it 😂.

[@zaliradford4994]

Daniel Ramirez sir please get a sense of humour, neither of us was serious

[@Leshaun2002]

This is so funny, especially with your profile smiling and looking wholesome LOL

[@lenaluise5485]

hahahaha omg so true. My dad is so much like him, its hilarious ;D

[@anishanoronha1845]

Why does she need a car in NYC especially when it costs her so much!!!

[@Sam-qd7nz]

And she ubers!! It makes no sense!

[@J199-w9j]

WTF? Comments! Let’s be nice let’s be nice you don’t have to go there!

[@lstclaire2]

Don't know where she is but there are places in the city that don't have good transportation options.

[@BENcsx]

@@J199-w9j it's most likely factual

[@WhyPee24]

@@lstclaire2 If you've been to NYC, you know there's atleast a bus stop or subway station every couple blocks, especially in Manhattan and Brooklyn. Don't know about other areas further from the heart of the city.

[@Msgrimsteppa]

I think this is poverty mindset, where people think," I'm never gonna get out of this debt I might as well give up on it and spend money on things I want Now."

[@EllieSweettt]

:(

[@tasmapittock5680]

Dont you as well get banks sending you credit cards in the US? Like credit cards you never asked for. It seems, the US is built on credit spending

[@MrHarumakiSensei]

Kinda makes sense in a way.

[@berri5769]

Tasma Pittock they send you credit card offers, a lot of them. You have to go online or send a letter to opt out. It’s a lot of paper trash if you don’t opt out.

[@tasmapittock5680]

Erica Hernandez so wait, you get sent a credit card you didnt ask for and you need to go to the bank and opt out?

[@juvx1039]

Also what kind of friend accepts expensive gifts from a friend who is kind of broke :(

[@The-ADHD-Exec]

JUVX exactly - well said!

[@mycatisjudgingyou]

Yep. I literally give my boyfriend books from my own collection and he loves them. He doesn't want me to spend money on him

[@цветок-ш7п]

Her friends are probably as financially illiterate as her. It's really sad.

[@LangBellsChannel]

I'd sell it and use the money to get them a gift card.

[@Kaila444]

they probably don’t know

[@ijones1153]

She seems very kind when it comes to her friends and partner. It's just tragic that it's going to ruin her life.

[@leilanidru7506]

I don’t even think it’s kindness just her being insanely irresponsible. There’s being kind to your loved ones and then there’s getting on a payment plan for a gift you can’t afford. There’s also covering your boyfriends ass when he overdrafts his account. She definitely could’ve bought cheaper cupcakes and Cancun shouldn’t have even been in the picture. She can still be mind without blowing massive amounts of money nobody asked her to contribute. You can be kind without throwing money at people. I doubt her income is a secret to her friends and family so who in their right mind is gonna expect their low income friend to be living a lavish lifestyle for their sake? It’s insane

[@IllinoisTrafficAttorney]

@@leilanidru7506 Sacrificing for those she loves is how she shows her appreciation. Just because it is unwise doesn't mean it isn't an act of kindness.

[@blahblah945]

Both of you made great points & the right answer is in the middle, imo

[@sjogosPT]

Yeah. Very kind. I would like to see if their friends will help her when she go bankrupt to a point were is near impossible to go back, and the only way of her living is with the parents again and just working eat and sleep every single day. No restaurants, no cofee, no nothing, just working to pay debt. When that appends, all friends will vanish.

[@imdivyamenon]

@@IllinoisTrafficAttorney it isn't kindness if it doesn't begin with yourself first. She should be kind to herself first and foremost so she can do more for others.

[@TheFishingNomad]

This girl is the perfect example of why people stay broke their entire lives.

[@chinaexpat1827]

NO NO NO, IT'S THE GOVERNMENTS FAULT WE NEED UBI

[@Shadow-ge4ji]

@@chinaexpat1827 what?

[@chinaexpat1827]

@@Shadow-ge4ji UNIVERSAL BASIC INCOME, STAY INFORMED

[@shawnlin4741]

@@chinaexpat1827 She would spend it any.And end it up same situation

[@free22]

She probably has never had any financial education whatsoever. This is ignorance, not stupidity.

[@jdvera6847]

My direct supervisor at work makes 50% more money than me and somehow she's in debt and I'm not. Watching this video, I now understand why.

[@sarabera325]

Totally! I've met so many people who are car/shoes/bag poor. Like, wearing designer item and doing a house share because you literally can't afford your own place seems ridiculous to me.

[@Brandon_letsgo]

@@sarabera325 People actually burns 4 bucks on coffee every single day. People actually burns 120 bucks on sneaker. People actually travel for fun while in debt. And, of course, lots of people feel the need to finance a huge brand new SUV or pick up truck. Americans are paying like 500 bucks a month in car's installments. I mean, are all those fucking people kidding me?

[@ayanomar1408]

Lucas P reading this puts me in pain and i have no debt😭

[@lagon7830]

Same. She was living off payday loans that she couldn't afford to pay back. I no longer work there, but she is now directly in charge of the budget...

[@Christina-cf9ot]

I know a lot of people who make more money than I, but I'm the most financially stable. They think I'm "rich" when I'm actually making low middle wage. It always frustrates me to hear them complain about being in debt, but then they get angry when I suggest solutions like "don't spend money on wants" and "pay off your debt before traveling."

[@darkstar9844]

"I have $5,700 in credit card debt" Dave Ramsey has entered the chat.

[@mechamicro]

Ramsey: Shut up lazy pig Pay your god damn debt. You are not allowed to spend anything from now.

[@HDanon]

This episode was a disaster, Dave Ramsey would say she has a PHD in D. U. M. B.

[@darkstar9844]

To be fair, she is exactly the kind of person that needs to hear what he has to say, massively in debt compared to her income and not paying her cards off 100% on time every time, financing headphones for a friend, wasting $70 on cupcakes.

[@carnival30]

@@HDanon hahahaha yes!!

[@Brismo7]

14:37

[@ayeha5496]

She’s living like she doesn’t need a future

[@NaturallyNerdeeNicol]

"Doesn't need a future"😂😂😂

[@jovantrail6142]

😦 holy crap your so right

[@spacex9999]

With $150 for fastfood every month she doesn't need to save for the future

[@jenjencurls]

I don’t even know how she is living the present, especially in New York 😐

[@matewhatthefuck6516]

@@spacex9999 Aww, mate 🤣🤣🤣

[@alexgardner3125]

I used to think "everyone deserves to be out of debt" but as a financial advisor I learned that there are a ton of people who deserve all of their debt and are adding more

[@Cesia_B]

That's awesome, as a financial advisor what would be your tip for someone who is HORRIBLE on saving!? 🙈

[@alexgardner3125]

@@Cesia_B you need to avoid giving yourself opportunities to spend your money before you save it. Go to your bank and have them set up preauthorized savings plans for the same day you get paid. If it doesn't sit in your account you can't spend it

[@walkermorales337]

@@Cesia_B if people can’t save I would advise Dave Ramsay’s advise, I strongly disagree with him on a lot of stuff, but his advice seems to be designed for people who aren’t financially disciplined and/or are in a lot of debt.

[@Israel_Girmay]

@@walkermorales337 What's his advise?

[@my2sats260]

U lost me @ FTX - unsubscribed to both u and Andre - never subbed to the 3rd clown Enjoy your sponsorship $ while your followers got reck’d💩

[@ritvikpandey4456]

Graham why don’t u do one of these videos on yourself ??? It would be amazing in my opimion!

[@ceeleereed]

Yes!!!

[@lizp4806]

Thats gonna be hilarious

[@DerrickDes]

I spend $6 a month on coffee.......

[@joaocoelho478]

Yes!! Make this happen!!

[@monica4158]

Exactly...!

[@prihaps]

Yeaaaa im gonna say she’s hella insecure and makes up for it by throwing money at ppl

[@TheCobruhAlienat0r]

What gave it away? Her hiding her face?

[@user-cg6fd4in1d]

I would agree.

[@Matt-sk6hi]

lol she spent .5% of her yearly income on cupcakes. That would be like Jeff Bezos spending 94 million on cupcakes lol

[@dartdeity7919]

Who did the art for your pfp, it's amazing

[@twweety9]

That’s a perfect way of looking at it

[@Matt-sk6hi]

@@dartdeity7919 didn't realize this comment blew up like it did. I will try and find the artist tonight.

[@dartdeity7919]

@@Matt-sk6hi thank you

[@emc9410]

Or if Jeff Bezos paid his employees a livable wage

[@stickyteal5241]

I used to think the same way she did. "if I only made more money" well, went from 15k/year to 30k/year and guess what? was still living paycheck to paycheck and overdrafting. Now I make 56k/year and learned how to budget, learned the difference between a need and a want. I bought a house. I have savings and paid off over 30k in debt this year (30k left to go). Once the debt is paid off I will start investing heavily into retiremenet accounts. I'm excited for the future :) Its not an income problem!

[@AP0PT0SIS]

That’s what I love to say! So many people double their income and yet still have nothing left over. It’s like the psychology of most people is that if they start making more money, they frantically look for stuff to spend the extra money on. Some people see a comma in their checking account and jump to the conclusion that they need to buy something.

[@callmeosho7792]

Where are you buying a house on 56k income

[@maureenvallieres3555]

You get older and wiser ( material not important when you get older ) how much you make not important but how much you save more important 😄

[@joseph2ne]

Way to go! Paying off your debt is like getting a raise! It is seriously amazing how much you have when your money isn’t going out in payments and your budget and stop wasting your money. Keep up the good work!

[@alialremahi6680]

Where are you saving your money? Is it still in fiat, if it is your screwed!

[@Maree2505]

She's only working part-time, she could skip the uber and walk more....It's NY after all.

[@nlyb3167]

Elena Vitale ....and cook more meals at home.

[@Jasonsmith-sr1ke]

Just walk 4head

[@360.Tapestry]

@@xdizzle0460 damn, just put it out bluntly lol but i can't disagree

[@thomasdalby7805]

She need the exercise

[@Zara-hu7bb]

xDizzle04 bruh you know these are actors representing the people

[@tinternabbess]

Unload the fool who cannot even buy his damn underpants. smh

[@aileybutler1694]

tinternabbess agreed 🤦🏻‍♀️

[@fehyndana7725]

He‘s not that into her and she buys his love

[@mandlerparr1]

I just sewed up a rip in my nightgown a few weeks ago and my only sewing experience is embroidery as a teen. Did a shirt and underwear, also. Bought some rag bags at the thrift store. Oh, that is what this girl needs, a thrift store.

[@KingGreqo]

Recovering Omnivore - Animal Based Diet y’all really jumping to some EXTREME conclusions based on a singular underwear purchase.

[@alwaysyouramanda]

tinternabbess I feel attacked 😅🤣

[@AcornFox]

I was a barista making less than she does with a credit score of 400 or so. I’ve been there. I got an associates degree in 2013 and turned it into a career. Now I make six figures and my credit score is over 800. My degree cost me $4,000. It can be done!

[@westlive7956]

What was degree in ?

[@AcornFox]

WEST Live Computer & Information Science. I studied programming on the side for three years during and after and got my first IT job for $18/hr in 2014. Steady raises every year since. Rise and grind, homie.

[@michaelsmith953]

400 o.0 thats probably more impressive than being over 800

[@grippysockgf]

Mustakrakish hmmm interesting lol kinda what I’m doing Network Administration and Security tho and studying programming on the side too 😂😂

[@icesk8ergal1123]

Graham hit $1M but waited until he hit $1M+$12 so he could buy happy hour sushi and still be technically a millionaire.

[@LucasDeKnibber]

@@asmijain2695 it was a joke lad

[@thesegotoeleven3111]

This woman has more than money problems. She basically buys friendship. Paying for the BF too.

[@MedievalSolutions]

It somewhat makes me sad for her, but still mad at her.

[@MissBlueberry2000]

this comes with low self esteem :( I hope she got out of this toxic environment and stopped paying for people that only use her...

[@user-xc1sx6hp8p]

Ya see the gut the bf might be losing out

[@drautistic6449]

No sympathy for her.

[@deanolson9600]

@@MedievalSolutions Why are you mad at her?

[@footballaustin55]

These are the people credit card companies love. If it weren’t for geniuses like this we wouldn’t get those 60,000 Chase Sapphire reward points.

[@imgonzalez]

LMAOOOO

[@theucrafter1666]

Unfortunately it's true

[@peterjanis2455]

Jesus lol

[@politcallycorrect5816]

Nah, they still make money off merchant fees.

[@manictiger]

I bet the CEOs love it even more. 150 mil dollar bonus? Why thank you!

[@angelalorenzana542]

My financial situation isn't as bad as this girl but this video really encouraged me to take my finances more seriously as a student and part-time worker. Thanks!

[@bethanywood1769]

Same here!

[@lindenpeters2601]

Check out Rachel Cruz on here! She's Dave Ramsey's daughter, very down-to-earth, lots of great advice.

[@gw3040]

SAME! wow

[@jennasaisquoi5174]

Same; I needed this.

[@bighands69]

+Angela Rodrizuez I assume because you are a student you are still young (probably early 20s). If this is the case a good financial education and structure could enable you to retire as a millionaire. You can be frugal but still have luxury in your life. If you were to invest $10,000 at 10% for the next 45 years that would end up growing to $730,000. And throughout your life you will earn a lot more than $10,000. There are people who end up millionaires by the time they are in their 40s with good finances. There is a book called the intelligent investor that was written in the 1940s and everything that is in that book still stands true today. And it can be used for investments from $10 to 10 million.

[@ChengTeoh]

My goodness, you can get a 2TB external hard drive for less than the $71 cupcakes, lol. Also why uber, mass transit is way more affordable. Also, also If you need to go on a payment plan to pay off something that isn't a house or a car, that should be a RED flag that you are in serious financial hardship. Does anyone else find it odd that she thinks that if she has a stable job that she'd be able to save more money? Seriously, if you can't do it with the little income you have now, what makes you think you can do it when you have more income?

[@Christina-cf9ot]

The only reason I could think to use a payment plan for those kinds of things would be those zero percent interest ones that sometimes get offered by the sellers. Take the money and put it in a savings account and you end up paying less. Although I'd never recommend that to someone who couldn't sick to a budget.

[@1radley]

@Nefarious27 hes a tech youtuber

[@zaqlowell]

Dude, so when my friend and I went to nyc, we took Uber the first day. Second day we took the subway and we were astonished. It was AMAZING.

[@lanceallen6345]

I'm working a part time job while I'm finishing up high school and I'm able to save about 85% of the money each paycheck

[@zaqlowell]

@@lanceallen6345 I wish I had did that, it wasn't much but I could of bought a small plot of land

[@toby-jeanne_almy]

Bruh. That laugh was a nervous laugh with embarrassment. It's a self calming mechanism. Not a "funny lmao" laugh.

[@ModernChristianChick]

exactly

[@trevoncowen9198]

Toby-Jeanne Almy so you can read minds through two videos

[@toby-jeanne_almy]

@@trevoncowen9198 better than you can apparently.

[@trevoncowen9198]

Toby-Jeanne Almy That’s because I live in reality

[@toby-jeanne_almy]

@@trevoncowen9198 lmao I'm sure you do. I hear your ringmaster calling, better get your bags packed clown😂

[@whobeyou5342]

The theme i am hearing is, "i need to buy friends and relationships"

[@emgoodluck416]

Katie Allen and food

[@kierafinneke5828]

I think she needs to re-evaluate the people in her life, her bf and friends don’t seem very supportive or helpful if she wants to actually work on her finances.

[@annav6998]

100%

[@360.Tapestry]

this comment is piercing. she's staving off some kind of fear or unhappiness and it's manifesting as debt. i don't think she would do well by herself unless she had some kind of guidance. she's a really sweet and bubbly person, so she probably needs lots of affection and reassurance from people

[@360.Tapestry]

@@emgoodluck416 LMAO well, _everybody_ needs to buy food

[@callmeosho7792]

She doesnt need to slow her spending... she needs to destroy her debit card And find a full time job...

[@drowjackson3512]

Become a plumber or something and make 40K

[@dartdeity7919]

@@drowjackson3512 im laughing, you think she can afford trade school

[@gameronna8600]

And her credit card

[@catherinecampbell1215]

@@dartdeity7919 There are some very affordable, very reputable community colleges that offer trade programs. Even the 4 year college I am going to offers wood and metal working.

[@dartdeity7919]

@@catherinecampbell1215 ok. There are no affordable tradschools anywhere close to me

[@RakiOsrez]

I kind of feel bad for her, the way she spends on other people makes me think there are some emotional issues at play.

[@jennycarrier]

true....

[@Qinniart]

Tbh I think she should've made her own cupcakes. There's a lot of great recipes on KZbin and it def wouldn't cost $71, but it'll taste a lot better than those store bought, 50% off shit lol

[@Mwoods2272]

She will say she doesn't have the time to bake her own. The same reason for spending a lot on fast food. Any excuse.

[@avuci]

@@Mwoods2272 she has no time but works part time and isn't in school lmao

[@adi-qf2wb]

omg your an icon hows your health omg icon

[@charmingyoutuber2408]

I love your art!

[@grasslandsghost]

Its probably pure luck i saw ur comment but i hope everything going okay! Ur content is so gorgeous and inspiring!

[@sciencesold_]

she could have paid off almost 10% of her debt instead of going to Cancun

[@JayKay47_]

I mean what do you expect from someone who thinks living in nyc with a salary of 15k is a smart idea

[@Xeon897]

I lost it at the payment plan for headphones as a gift-- they're not even hers yet shes making a monthly payment on them 😂

[@Iquey]

Idk that's so evil of those friends like buy your own damn headphones.

[@Maliii137]

@@Iquey ikr if they're really your friends, they'll understand if you, for once, can't get them a birthday present let alone beats

[@Yolo-xj2qe]

She could be bluffing to her friends and they may not really know how broke she is. I know people like that. Fake it till you make it!

[@rebeccah9347]

Xeon897 who tf gets a payment plan on headphones period...if you can’t even afford HEADPHONES up front, DONT BUY THEM

[@ajithrajaful]

Wait if graham went and bought $12 sushi when he became a millionaire wouldn’t he be an $999,988aire after the sushi?

[@ememman1460]

lol

[@natsskates]

You know, I had the exact same thought.

[@sierrahovde7611]

I know it's a joke, but if it were a genuine question, I just thought I'd say being a millionaire is based on net worth, not bank balance

[@MrC0MPUT3R]

@@sierrahovde7611 bank balance is part of net worth

[@crimsonlightbinder]

I was thinking the exact thing. Probably went when he had 1,000,012 dollars 😂

[@killabarbie4923]

She’s laughing to keep from crying!

[@CNCiel]

Or she could not have something to cry about in the first place...

[@andzo1116]

Graham: Hits Billion dollar net worth Celebration: Chinese Buffet

[@athiaj1199]

Ummm sushi isn’t chinese ...

[@Big.hossss]

@@athiaj1199 he didn't say it was

[@MrBrewman95]

Japanese Sarku at the food court.

[@cfan1270]

Only during Happy Hour

[@CharlotteTranp]

Im dead lol

[@juliefreeman7477]

I didn’t know there was a finance side of KZbin but I’m so glad I found it

[@itsmeariduh3907]

Julie Freeman there are many sides to KZbin

[@thenixvinci]

Welcome to Finance KZbin! 😁 Glad to have another member lol!

[@zingara76]

There’s lots of amazing KZbin channels about financial stuff. One of them is the financial diet. Lots of people are tying to figure out how to be smarter with their money.

[@juliefreeman7477]

Ⓥ BETAZZ Ⓥ thanks I’ll check it out! :)

[@josebravo3979]

I came from the “world star!!” Side of KZbin

[@amandadean3948]

This doesn’t surprise me. For some reason some of the “brokest” people I have ever met (ie. low wages, up to their eyeballs in debt, live check to check) are always the ones that spend money like it grows on trees!

[@flamewhisker]

I have a friend who spends as much as I do in a year... except she doesn't pay rent. She earned under a 3rd of what I do, has a bunch of debt, and awful spending habits. I tried to talk with her about it but she said she couldn't live that way.

[@sean3533]

20¢ iced coffee in the morning tastes like freedom. *Financial freedom*

[@Arteolike]

IT'S NOT 20 CENT COFFEE!!! #FakeNews. Please allow me to explain. The water filter for the GE Fridge alone costs $47.50 and produces 300 gallons of water (amzn.to/2LyqVCC). This means you pay roughly $0.16 per gallon of filtered water just in filter depletion. That Mr. Coffee maker (amzn.to/2xrwKt6) holds 12, 5oz cups of coffee, totaling 60oz for the carafe. Having 128 oz in a gallon, that would cost roughly $0.09 just in filter expenses, adding roughly 0.75 cents to each 5 oz cup. Also note, Graham mentioned the coffee maker makes 12 cups of coffee. Not ture. A standard "cup" is 8oz, and the coffee maker defines a "cup" as 5oz. Therefore there is really only 7.5 cups of coffee, BUT, it gets worse. The glasses that Graham posted (amzn.to/2xs89EE) hold 12.25 oz (the shorter cups, let's not even talk about the long tall ones in the beginning). Let's say he uses 0.166oz of cream (teaspoon: amzn.to/304e4fl), the ice displaces 0.5 oz and we leave 2 oz of room to the rim, that's still 9.59oz of coffee. With the $8.70 package of grounds making 5.5 pots of coffee, this would mean that it would each pot costs $1.58 and each pot would really make 6.26 cups of coffee, which means that each cup costs a hair over 25¢. This is deceptive and manipulative to fit an agenda. Let's not stop there. The Coffee Maker ( amzn.to/2xrwKt6) also uses 900 Watts, and takes roughly 11 minutes to brew and entire pot. Average cost of electricity in LA area ia 18.6¢/ KWh according to the BLS, this means it would cost an additional 10¢ per pot, or 1.6¢ per cup. If you want to measure the electricity of your own appliances, you can use a watt meter found here: amzn.to/2xApk7b Without even taking into consideration things like the depreciation and life expectancy of the coffee maker, the electricity needed to cool the coffee, the gas required to purchase the creamer, lets recap what we have. Coffee Cost (Actual): 25.2¢ Filtered Water Cost (Not Even Counting County Cost): 1.44¢ Electricity Cost: 1.6¢ Other Petty Costs: 2¢ _____________________________ Total Actual Cost: 30.24¢

[@oregonflatland]

I don't even drink coffee! I'm saving 20 more cents than you!!

[@SweatyBooch420]

@@Arteolike Respect though for that number crunching

[@sean3533]

@@Arteolike #coffeegate exposed. You have opened my eyes sir! Graham is surely a charlatan.

[@Arteolike]

@@sean3533 Finally, someone's eyes have been opened as this is #NOT20CENTCOFFEE

[@lw3269]

"You can't afford any of this". This is why I love Graham. If parents took this approach with kids and led by example, there would be a lot less debt.

[@StatsMass]

L W like there aren't a lot of parents in debt? You ever see Dave Ramsey? Parents call in all the time. Hell this girl shares $5k in debt WITH her mom.

[@maddy-jd7qi]

A lot of parents are just like this though. Mine are like this, i was raised like this, and now trying to undo those teachings

[@TheAimanana]

Many shopaholics ended up with their irrational spending habits because of overly cheap parents that always told them they can't afford something. It's extremely important to teach your kids financial literacy, just in a careful and educational way.

[@lw3269]

@@TheAimanana It's not just overly cheap parents. My parents were poor. They weren't cheap. When I reached adulthood I made good money and became a shopaholic. I struggle with it every day. Making good progress but it's not easy.

[@TheAimanana]

L W I’m really sorry to hear that. Hope it’ll get easier with time.

[@henrykolberg2234]

It just blows my mind that she took a payment plan for a gift, i would have just gotten a card and a $20 gift card 😂

[@AMarie333]

Right?? I would have baked cupcakes and brought booze. Perfect night in.

[@kmp01234]

@Life With Astrid exactly! However birds of a feather flock together, I bet this friend also is a disaster financially and does similar things. My friends and I rarely buy each other gifts, weddings, milestone birthdays, baby showers, not holidays, who has the money for all that?

[@duct_tapeheart6484]

I feel like that wasn't true. I bet it was her deadbeat boyfriend again

[@henrykolberg2234]

Yo 350 likes, thanks everyone!

[@Yolo-xj2qe]

Her friends are probably the same as her. Me and My friends have never bought bday gifts for each other and only did dinners out and we would split the bill and all chipped in for the bday person.

[@nickslay23]

She spends near 10% of her income on fast-food, let that sink in

[@nickslay23]

@o No 150 dollars a month on fast-food on a 1250$ budget is not 1%

[@arie3626]

That’s me 😭 but I’m really working on it

[@nickslay23]

@o yeah if you multiply 150 a month thats not 1%

[@ichloem4613]

$151 a month on fast food isnt bad, i spend $400 on fast food a month and i dont even have a job

[@nickslay23]

@@ichloem4613 yeah thats horrible, my monthly budget on food, gas, alc, grass and entertainment is 400

[@OrNaurItsKat]

I'm 27 and last year I made just over $18,000 after taxes. I support a family of 4 by myself. It's not easy, but I make sacrifices. This video caused me physical pain due to the extent of the poor financial choices.

[@cumpenis]

Damn dude, that's genuinely impressive. Holy shit. Your kids are gonna be the most financially literate people on the planet

[@snnadede001]

@@cumpenis don't be so hard on yourself man. Take mistakes in life as a lesson, rather than a downfall, and learn from it 👍🏽

[@irenehgb]

where do you live if you dont mind me asking?

[@xx294]

Wtf, I'm 29 supporting a family of 3 and make $37 k before tax, $43k after tax (yep getting money for having children and non working spouse). And I consider my job to be paying me a misery. Like this guy said, your job should be finding a better job. Heck my job should be finding a better job. So many stupid jobs requiring 0 qualifications pay $50+ a year ... we need to up our game

[@OrNaurItsKat]

I live in rural Oklahoma, I am a barber with one child and I am supporting my father in law and my husband. My husband became disabled at a very young age (23) due to a life changing injury. I am in a very fortunate situation, my house is paid off and so is my car and I have no debt. To be totally fair since I am a barber I do get cash tips daily but I don't factor them into my budget since they aren't guaranteed. There have been years I brought home $55k and years I made $18k. It's variable due to the local oil industry (Oklahoma lol)

[@joemamaisfat]

This was outstandinlgly stupid😂 $71 cupcakes/$150 on fastfood/$1500 on creditcard withdrawal every month, while on a $15k salary. That's just bad. Really bad.

[@IllinoisTrafficAttorney]

And she says she's always on the go as the reason why. I'm like, WTF. You work part time. You have tons of free time. I work full time as a lawyer driving 3-6 hours per day between courthouses and I manage to minimally spend on food like that. It's about priorities. Also, Beats headphones are just objectively bad for the money. You might as well buy a knockoff since it's just an image you are buying.

[@tylerguitar75]

This is what happens when you are solely a consumer. Consume salary, consume products, consume entertainment... Producing what?

[@olawunmivera-cruz4879]

She’s trying to live like she makes way more than she does. It’s scary.

[@JK20239]

150 dollars on fastfood is less than 7 dollars a day. Unless your a hermit and dont interact or do nothing for leisure, it's not out of the ordinary. Maybe her food budget includes the 150

[@sohakhan5167]

this video inspired me to transfer 200 bucks to my savings LOOOOL

[@xOALtoFrEak900Ox]

Lol!

[@letsparchmentitupyo7566]

thats great!

[@FluffPandaKing]

LOL with my bank that would give me an extra 0.5 cents of interest per month, easier to pick up money from the ground

[@genericyoutubehandle.]

@@FluffPandaKing but if its in the savings you're less likely to spend it

[@Cynthiaa315]

I transferred $500 to my credit card...

[@DiamondHandsDan]

When she said “If I was making more money I would buy a new car (increase car payments) because used cars suck, and I would also find a new place to live (increase my rent), cause having roomates sucks too!” I was like jeez, there may be no saving this one…

[@grahamstephanyoutube5402]

W_H_A_T_S_A_P_P +:1:3:1:7:6:2:0:0:3:4:6 G

[@graeme9372]

This is tragic... no financial literacy and no long term vision. Living the Instagram life.

[@profstein-bq2tc]

im probably not a good finance person, but even i could spend 15k a year better than that woman.

[@thomasf.9717]

no good decision making skills whatsoever. She's broke, wasting her money on fastfood and getting fat in the process as well. Bad financial and bad health choices.

[@ana-uy5ny]

Thomas F. why bring her weight into it?

[@thomasf.9717]

@@ana-uy5ny why exactly not? Why is one poor choice taboo and the other isn't? If you don't like your bad life choices being called out, don't make them.

[@cirquedumaiquel]

Fr... she’s not the only one though. Simply the scapegoat

[@louandlilly]

I didn’t know I needed this angry little man in my life... BUT I DID. 😂

[@sarah3796]

louandlilly Typhoon angry? Little? Ok how unnecessary of you

[@louandlilly]

sah bear lol

[@k0k01]

I need him every time I open my wallet or click on my amazon app........ 😑

[@sarahgirard1405]

Best comment!!! Lol

[@julia7711]

Played at 1.75 speed, angry little chipmunk man lol i dont have time to watch videos at normal speed

[@charlie516]

Graham: "I would NEVER spend $71 on cupcakes" Wedding: I'm boutta end this man's whole career

[@wuttled]

Graham would go to the courts and get married for $100. No party, nothing special.

[@nczioox1116]

@@wuttled He would pay for it with the Chase Sapphire Reserve

[@dj2saucy182]

Charlie Turner he said he’s gonna get someone to sponsor his wedding

[@nczioox1116]

@@dj2saucy182 This wedding brought to you by Robinhood

[@dfw_motorrad1329]

Graham would probably never get married. ROI is terrible.

[@jillianmontgomery7248]

This video totally changed my outlook on spending! Thank you so much Graham for being honest and a little judgey because it helps us who need it!

[@cliftontaylor7570]

I wouldn't go to Cancun if I only made 15k a year, but I definitely would if I was a millionaire.

[@nczioox1116]

Even self-made millionaires would use credit card points and be strategic about it

[@YPEFFLE]

@@nczioox1116 not a millionaire but dept free here and we went to cancun for a week with my family of 4 for $1100 thanks to reward and miles

[@kms50549]

To each there own I guess. I really want to travel and see the world, it's a big priority for me. I run a pretty tight budget the rest of the year to put money aside for traveling. Not an apples to apple comparison to most Americans though as I'm in the uk so can fly to probably 30 something different countries for under £100gbp, cheapest I paid was £32 return to malaga in the south of Spain. Probably spend about £10-£15 a night for a hostel (in most places I go). Everything else is standard spending apart from doing it in a cheaper country for the most part than the UK. Might have a couple of cheap meals a trip(

[@flooshoomoo7104]

I would go commando, cut fast foods and cupcake splurging to travel. What am I living to work or working to live? That said I could live like I am absolutely broke for a few months and pay off the debt.

[@qingqingzhao1436]

Well, you aren’t a millionaire. If you were, you would probably think differently by then.

[@halvey8518]

Closest thing to Millennial Money, I’ll take it.

[@lorenebonsu7266]

Same

[@HomebaseLHR]

Just that this lady is a complete twat. It’s even better than MM

[@gabriellageorgieva4014]

When both me and my best friend weren’t financially stable (she’s didn’t have a good job and just started to live by herself and I just graduated high school ) we use to gift each other books (sometimes second hand) and “splurge” on a dinner with a cheap ($10-ish) bottle of wine and a shared meal. She didn’t expect big gifts and surprises from me and nor did I from her because we are mindful of our money. That’s how it’s done. Not by buying $71 worth of cupcakes...

[@johnisaacfelipe6357]

Honestly spending time is the best, doesn't matter if it's with a 100$ meal or a 10$ meal

[@codguy12]

This is me but with my dogs :( ☹

[@rajun713]

my friends and i give each other handmade gifts when we dont have money! most of the time i like those gifts more too than bought ones too

[@basic2446]

My best friend and I used to put our spare change in a zip bag carry it around throughout the whole month and by the end of the month we would always have enough money to get us some tacos from the corner 😅

[@MajorFuzzelz]

This whole video feels like a disappointed dad speech on finance and I absolutely love it! I am a PhD student and I know what it is like to live off a low salary (I feel like I can empathize with her). But this woman's spending habits... wow. I save more than people who make 70k and I feel like this channel has changed my outlook on money and "feeling rich" versus being "rich."

[@jennyralphs]

2 thing I've learned from this channel: 1) Go to Ralphs 2) Go to Ross

[@cardboardpackage]

3) Go to ronalds

[@Nik.No.K]

Well idk if you’ve been paying enough attention then because what you should have learned is BUY and HOLD 😅

[@khoipham2978]

No traders joe?

[@cardboardpackage]

@@khoipham2978 shut up

[@kylie.gravitt2026]

3) traders joe’s 4) h&m

[@Jemelave]

I'm sad that she is covering her boyfriend so much. Presumably, that is a grown ass man who should be dealing with the consequences of his own actions.

[@360.Tapestry]

but why if she's falling all over herself to enable him? all in the name of cuddles and pipe

[@easelminch6887]

It’s sad but also my goodness so stupid. It’s hard to feel bad

[@rebeccashields9626]

$71 on cupcakes? I can make them with Costco flour, canola oil, and sugar for maybe $.75? And she only works part time so she has hella free time to bake lol.

[@FitnessSweets]

Y'all in the non-baking jobs stay ignorant. People need to make a profit. Go to the grocery store, cheap ass.

[@rebeccashields9626]

SangtotheDy um why would I go get gross grocery store cupcakes when I can have more delicious homemade ones for a dollar?

[@dawnoheee9524]

She doesn't seem like a baking kind of girl, but I get your point. Once a good friend, who is a teacher, gave me homemade cookies for my birthday. I can't remember what else I received that year, but remember those cookies.

[@ilovemycats1121]

Dawn Old Elk we always remember homemade gifts and goodies. It means a lot more to me, I know 😀

[@Koolkats1234567890]

Rebecca Shields even with the most expensive ingredients for plain cupcakes, a dozen is never more than $15

[@AllAboutPurple]

She can literally get a call center job that pay her close to $30k they almost always hiring...smh

[@shanetarowest2785]

Call centers are soul destroying though

[@sc8204]

@@shanetarowest2785 Depends on what call of call center. State Farm is good, and pays around $35k

[@emmacat3202]

Call centers suck, but it's better than staying more broke in retail.

[@AllAboutPurple]

@@emmacat3202 they do suck but great experience for most other positions. Can work your way up to email/chat only jobs so you don’t have hear a customer’s voice. The customer service skills are transferrable to many other jobs: banking/finance, insurance, mortgage processor, help desk/IT...which pays more. It’s a good temporary position. 🤗

[@AllAboutPurple]

@@sc8204 Yeah I’ve seen some remote customer service jobs that pay up to 60K....that’s more than decent lol!

[@passabee]

Re: moving out, sometimes its not the best financial decision, but you don't know what she was getting away from. Just offering another perspective.

[@SherryLinZhang]

agree. may not have a great home life esp with that shared credit card w her mom. probably didn't have anyone to teach her financial literacy

[@moriyama815]

I work on wall street but still lived with my parents till 27 until I gathered enough money for a downpayment. friends always laughed at me but who's laughing now

[@ThatGirlJD]

@@moriyama815 You were blessed to be able to live at home that long. Some people are not so blessed. She want saving money at home either. She had started accumulating this debt at home. She has unpaid credit card debt with her mother for whatever reason. There is a lot more to this than meets the eye. She has a large sum of money uninsured and stashed in her apartment, instead of a financial institution's interest bearing product or two. She would be wiser to put it in another bank she doesn't use as her primary in an investment product, even a low interest CD. There is a lot going on here. She is covering her boyfriend's constant overdraft fees.

[@angiek4059]

Yet she shares a credit card with her mom LOL

[@jeter7726]

Angie K she might not even be sharing it still

[@duct_tapeheart6484]

She lives in NYC... I just moved from there to FL (because my family is here and its waaayyy cheaper). Idk why this girl doesn't just take the subway?!! Public transportation is a THING in the city! An unlimited pass is only $130. Even if she had to walk to a stop, it would be worth it! She could save the car payment and use that money for saving, and put the insurance money towards her debt!

[@candy2325]

Duct_Tape Heart FACTS! If I lived in NYC I would never own a car ever

[@SoundsLikeCOREY]

with her rent that low, regardless of how many people she lives with, she likely lives nowhere near public transportation let alone one that makes her commute a reasonable time. a lot of people in New York have cars as its more reasonable for them vs paying $130/month to still have to use a car/uber. its possible

[@kylebeasley6111]

My first thought when she mentioned a car was, "Why do you need a car in New York?". I lived in Yonkers, but any time I went down to the city, there wasn't anywhere I couldn't get to with the subway or hoofing it a couple blocks.

[@jwil0508]

Better yet, sell the car and use it to pay off the debt

[@jacencko011]

How is her rent only $350 in NYC?!?! What closet is she sharing with 20 people to get that deal 🤣🤣🤣

[@RealPolitik-dy4it]

Probably a room in the Bronx shared with another person. Most likely and illegal sublet. Definitely not Manhattan though, especially while having a car. It costs like $10 per hour to park your car there.

[@bebop504]

I was thinking the same thing... Even in the ghetto parts of Queens it's still extremely expensive. The person who said she might be living in an illegal sublet in the Bronx is probably exactly right lol

[@ilovemycats1121]

I looked up a studio in Yonkers and the low range was $2200 a month 😲. She has to have a ton of roommates!

[@ilovemycats1121]

Even if she just rented a room it’s between $1000-$1700. Yikes and I thought $975 for a 2 br, 1 1/2 bath apartment that my son and his gf rented!!!

[@gabrielpaulsmom]

exactly there is no way.

[@PMGKey]

Makes 15k a year.. goes to cancun for her birthday. I don't think there's a higher level of dumb when it comes to spending 😭

[@jayanimations494]

Gonna get a picture of graham in my wallet, caption that picture with “You cant afford it!”

[@maureenwambui2992]

And Dave Ramsey BRILLIANT!!! off to print them. Thanks 😀

[@vaderladyl]

Me too!

[@goldeneagle2066]

why not also have it printed on your credit card/debit card as well!

[@brendabernardino4805]

😂😂😂😂

[@ally-lz6qr]

GENIUSSSSS

[@HumansOfVR]

*_15K salary buying $75 dollar cupcakes..._*

[@TheGrahamStephanShow]

Insane.

[@threesidedtriangle1798]

how do u even spend $75 on cupcakes

[@kolbis99]

It was $71, she’s frugal

[@brycemcgoey2794]

Did the math it's about 0.5% of her annual income.....

[@DerrickDes]

If she saved $15 for 5 weeks it would be more acceptable

[@Mercurialmoon93]

Oh this reminds me of my late teens/early twenties. I’m now 27 and digging myself out of debt and being REAL with myself and my finances.

[@leviboswell9510]

I recently started viewing money/ life a lot differently. I’m 24 and was making 50k a year when I was 20-22 and BLOWING through it. If I had to guess I’d say it has to do something with a combination brain not being fully developed and so little experience in life. Oh and highschool teaching teaching you literally 0 about money

[@erenepolitis5196]

Better late than never!

[@leviboswell9510]

@amanthedestroyer I’ve been to 15 schools in 12 grades and have never had to take one. Maybe a new development? Regardless it should be longer than a year, glad to see it’s going in the right direction!

[@leahmcdermott4189]

@@leviboswell9510 You’re only 24 hun, literally just at the start of your adult life. Now is the perfect age to pursue financial independence. I’m 23 and just started last year. Trust me, we’re ahead of most starting in early twenties! Xx

[@leviboswell9510]

@@leahmcdermott4189 better late than never right :)

[@whatsafterlike8919]

" If you're gonna burn money, you might as well burn a little bit LESS money. " Wise words I shall live by.

[@AvengerofVertexes]

I think youtube is trying to tell me something. All week, I've been finding different recommended videos and ads. The first rabbit hole was exercising. The second one was eating right. And now it's finances. I come here for art videos and music my dudes. I'M GETTING SUSPICIOUS. But I like this channel. Subscribed.

[@Desimere]

haha yeah. I want entertainment too. Not to be educated! What is the world coming to?

[@AvengerofVertexes]

@@Desimere wow, insert unnecessarily rude comment here? You have no idea the scope of what I do to educate myself, God forbid I direct my educational exploits to somewhere outside of social media, like a book or a class or something. Oh wait. That's what I'm doing when I have the art and music videos on in the background. So your judgmental comment is not only rude, but completely off base. Good job, Rando.

[@Desimere]

@@AvengerofVertexes No, i was sincere. It's the same for me.

[@AvengerofVertexes]

@@Desimere I see. My apologies for popping off. Sincerity is not something I'm used to getting in response to KZbin comments.

[@Desimere]

@@AvengerofVertexes I don't have a good sense for sarcasm so i can not detect when i sound like it. I have been told often that i don't get sarcasm. So it's not you, it's me.

[@gasphynx]

Damn, I assumed it was $71 on cupcakes over the course of a year, not all at once. Just get a regular cake for

[@mechamicro]

Agree, Walmart cupcakes are good too

[@AlyssaTaylor9]

You can bake cupcakes for way less than $70 😅

[@Alex-gw9js]

She could buy a stock on a cake company.

[@malikjones2193]

There is a saying "the rich are rich because they spend like they're poor and the poor are poor because they spend like they're rich"

[@malikjones2193]

@@Vaughanflaherty What you said is so far from the truth. Being wealthy is largely a matter of choices you make and delayed gratification over instant gratification. Inheritance? Most millionaires and billionaires are self made. They didn't inherent their millions and billions, they created it by creating value for society. Race and gender? Not at all. Anyone regardless of gender or race can become wealth if they make the right decisions. If you can provide something valuable to society people will pay you for that something.

[@jordanmeadows4115]

Only like 15% of the wealthy are there because of inheritance. Rest of the 85% is self made

[@malikjones2193]

Jordan Meadows Facts!

[@Vaughanflaherty]

@@jordanmeadows4115 First of those statistics are completely untrue. Second of all, every single self made billionaire and extremely wealthy multi to 100 millionaire who got their wealth through a business that they "created" built their wealth and business by grossly underpaying their workers and taking all the money that they legally, (and sometimes even illegally) are allowed to take.

[@bsarioz]

@@jordanmeadows4115 Millionaire isn't wealthy bro. Wealth is at least 100s of millions if not billions. A million doesn't even get you a house in SF 😂

[@I_am_milan]

"... I have $1k to spend a month" No. You. Don't. You have almost $6k worth of debt!

[@enclocreations4427]

Spending your money to seem rich remphasizes your poverty. Being rich is a mindset.

[@pierosanchez2010]

Enclo Creations very true but people care about what they look like to impress people they will never meet. Look like you don't have money so people don't ask you for money lol

[@limi6592]

"my boyfriend needed new ones" WELL CANT HE BUT THEM???????

[@harrisongorst1251]

5 ads in 17 minutes... He'll be a multimillionaire soon! Edit: He obviously deserves every penny of as revenue, it's not often people give out such advice for free!!

[@WitchLuw]

i see Zero

[@oak-ridge67news59]

I didn’t get ads

[@Kajujuu]

aaaaaaaaadblooooooooooooooock

[@gricius]

no ads for me

[@banana-dw3ez]

Use Brave browser

[@happy10181]

As I watched Graham scolding her, I just had to go and pay off my credit card lol. But in all seriousness, it was thanks to Graham, that I really started taking savings and paying off my credit card seriously since last year. Thanks Graham!

[@MariaNunez-rx2kw]

Same !!!!

[@MissVintage789]

I didn't want to watch this but I _needed_ it. I feel called out. 💀

[@ChristianAviles]

mia is that you in the video???

[@TheSilverwing999]

Well if you are the one from the video then take the advice here. He's not saying any of it to be mean, but because he wants to see you do the best things for your future.

[@bradleylopez710]

If this is really you in the video I would suggest working on getting that debt paid as fast as possible and then spend on what you like. Just don’t carry debt. Not everyone is meant to be like us (the frugal subscribers to this channel lol). It’s a lifestyle.

[@sherlyn.a]

@@ChristianAviles The person in the profile picture has straight hair while the person in the video does not

[@JayKay47_]

mia yeah if your the lady in the vid u dumb af ngl

[@DrewGulliver]

My WEDDING cake was $75 😂 how do you spend $71 on cupcakes haha

[@asandax6]

You'd be surprised how people can buy the most ridiculous stuff at very high Prices

[@callanc3925]

right, who would even want $71 of cupcakes. If someone asked me to make a list of things I want the least that would be pretty damn near the top

[@MuttFitness]

You're a shopping genius.

[@sighcantthinkofaname]

even if she got like 24 cupcakes (which I think is being generous) that's almost $3 a cupcake. If you get a cheap mix you could probably make 24 cupcakes for less than $3 total.

[@bighands69]

I think my wedding cake cost $700 and we paid for it in cash which was the case for our whole wedding and we demanded that no guest would make a cash gift and we also rented an estate so that family and friends could stay for free. And we still paid for everything in cash. If we had no money we would have had a zero cost wedding.

[@rachael11]

The girl is breaking my heart ... But more importantly where on Earth are you going for $12 of sushi and considering that a splurge?

[@Baronvonbadguy3]

Buford Highway Farmers Market in Atlanta hooks it up. 2 8-piece rolls for 10 bucks boiiiii

[@elmateo77]

The gas station down the street. And as a side benefit you'll get so sick you won't be able to eat anything else for days. Savings!

[@OKMX5]

In a country where you can get a full meal for $3 or less?

[@TrangNguyen-ks8qo]

Going to a buffet.

[@preet9343]

@@elmateo77 🤣🤣🤣🤣🤣

[@AlexG-qe8rq]

I’m so used to telling my college friends to be smart with their money that it’s really nice to be on this channel and have someone yelling with me

[@KalebRowland]

Lmao it’s funny how he gets triggered on these poor decision making

[@sowhat1444]

lmao yea i stopped watching when he said "i DoNt lIkE tHe wOrD wIsHiNg" then goes on to try and make those business inspirational videos

[@sammy3292]

@@sowhat1444 Ikr lol just comes off as arrogant and pretentious

[@Iquey]

Idk I fell apart from laughter at the part he picks apart her danger-laugh.

[@itsariina4856]

@@Iquey Yeah..people laugh all the time when they're uncomfortable/embarrassed/self soothe when anxious...

[@Wan-yq4zc]

i also do

[@horn2102]

Alot of y'all are hating, but I was at that birthday party and those cupcakes were lit.

[@aydenhopkins3520]

Eric omg lmao idk why he's coming for her it's not his money

[@victoriak5236]

@@aydenhopkins3520 bc she has extremely poor money management skills and he's trying to educate people

[@ejaokay]

Lmaoooo

[@ezekiel4481]

heheheheheheheh!

[@soppoi123]

I prefer a party with 71$ in booze than 71$ cupcakes.

[@hannesproductions4302]

I thought pregnancies were 9 months not 2 minutes.

[@williamdirsio6793]

wait...

[@aarons8711]

What

[@pawsnotclaws2772]

Hannes productions its just sped up

[@rybolov]

Miracles of modern science.

[@dlcmiamiinc]

You can start one in 2 minutes, that’s what it means..

[@nikhil6985]

Fundamentally she doesn't know how to get out of debt if her response to "more savings" is "I can finally get a better car"

[@hopeharris7389]

$71 on cupcakes!? She can go to the dollar store and buy a mix🤣🤣

[@Ch3kThat]

Step 1: reach 1 mil net worth. Step 2: celebrate and spend some money. Step 3: not 1 mil net worth anymore. Step 4: reach 1 mil net worth again. Step 5: party again

[@drippingwax]

Don't waste money until you have a money? Sounds good to me!

[@ani_n01]

Ugh I make little milestones for my savings and every time I promise myself I'll reward myself with going out or buying some merch or art supplies but once I'm past that milestone I set another one and I can't force myself to spend it. I do overspend on groceries occasionally tho since I picked up this cooking interest :/

[@Ch3kThat]

Occasionally Grumpy there’s worse and more expensive vices than cooking out there lol I think you’re okay

[@ani_n01]

@@Ch3kThat I know but I beat myself up whenever I buy something unnecessary like real butter or vanilla extract lol... The joke is we used to be poor and now we're not but I can't stop saving because it's fun af to see my numbers growing in the banking app lmao

[@hannaboville172]

And the cycle repeats..

[@RA-xx4mz]

“I wouldn’t even spend money on these things.” Bro, you don’t even spend money on iced coffee.

[@sgibson4115]

You nailed, indirectly. This young woman has too much time on her hands. When I was young and broke, I worked three part -time jobs to make ends meet and had almost no social life. I did this until I found a job that would pay me a living wage. Oh, and I didn’t spend, and I lived in a communal situation with many roommates. We shouldn’t feel sorry for someone who knows full well that she’s spending herself into a lifetime of abject poverty.

[@hitachimonsta9553]

Millionaires dont become millionaires by spending all their money.

[@KingGreqo]

True, but she probably has more fun than Graham tho. He really should go to Cancun.

[@Itsmeyourdad666]

Hence the 20¢ iced coffee and the $0.90 avocado toast and decor from Ross

[@Superflybowling]

@@KingGreqo more fun? She's probably stressed and that's why she's buying all this stuff. Financial security brings a LOT of peace to your mentality.

[@sparrowmoose3479]

This made me want to pay off my debt even MORE.

[@sodabatalks]

I'm on my way to pay my student loans now lmao

[@leadnsteel1428]

Just paid off my credit cards.... it feels so good not having those payments

[@Maricarrrr]

“And guess how much it would cost...” “$3.99” 😂

[@Lexifer54]

FollowingMariaa that literally made me laugh out loud! No joke😂😂😂

[@pawsnotclaws2772]

FollowingMariaa lol

[@geofferypmeyers]

Starbucks’ business model in a nutshell

[@hialeah1234]

Her situation isn't even that bad. If she cuts all that spending she could be out of debt in 7 months easily.

[@sharroon7574]

Bake your friend cupcakes!!!!!! It means so much more.

[@lavendertwilight08]

Not on Instagram bruv

[@aleashacasarez855]

Yes! Homemade lemon bars are great too. Very inexpensive and surprisingly easy

[@mfstarr1]

Aleasha Casarez my friend surprised me with those and a gift card it was awesome!

[@Itsmeyourdad666]

Why Sephora? When I was stationed in Turkey I got paid over $2k a month with no tax, no rent and the only bills I had to pay were my wifi and student debt. I was making a LOT of money but still bought NYX makeup or other drug store brands. High end doesn't always mean high quality. $9 mascara is just as amazing as $25 mascara

[@sephorawanga8147]

My name is Sephora 😊😊

[@kendralopez4530]

I buy $5 foundation and most of my makeup products from Walmart and my husband makes 75,000 a year. We really don’t need to be buying Sephora. I don’t use filters like most ppl and I don’t think my make up looks bad at all.

[@mariir4734]

so true, i bought a Chanel mascara once and it was sooooo bad, whereas drugstore mascaras have always been so much better at a much lower price. I guess people forget you are sometimes paying just for the brand name, not the actual product, like when people buy a plain t shirt that has Celine or gucci written on it for £500+ its so stupid to me.

[@ninavanacker5488]

I don’t agree with this. Some things are better when they’re high end. However, based on her income.. it’s not responsible.

[@hyperashitive3217]

I don't think it's a problem to splurge once in awhile if you can afford it there are some things which are a huge difference in quality. If you make 15k a year living in NYC I'm sorry, but you definitely can't afford it.

[@12345xfire]

Saying "I wouldn't even spend money on that" doesn't mean much, coming from Graham lol

[@jazminvlm5041]

I need graham to scold me everyday please . Make an app lmao

[@miola2083]

👍

[@JerseyAccent653]

not to mention her nails are done which is like 60 bucks every 2 weeks.

[@Tata-iu3fy]

Danielle Smith or she does them herself. There are so many women who do their own nails because they don’t want to spend the money. It also varies depending on location. So we don’t know if she paid 120 dollars in one month on her nails.

[@Tata-iu3fy]

I actually got a closer look and she hasn’t had her nails done in awhile. She has at least 3-6 week grow out, and she has broken nails as well.

[@trenicejohnson15]

60 ?!!

[@Samantha123121]

I learned to do my own, cheaper and fun too.

[@daniellesmith8931]

#DanielleSmithClub

[@rinagrunch2981]

I recently found this channel and i have to say, i love this mindset. I feel like in todays social media culture where people do so much to show off their experiences and money, its really refreshing to see someone who gets excited about finding a bargain and quietly saving the money they earn

[@cindytepper8878]

My friend was in the hospital on her birthday and I was about 500 miles away for work. I called a good bakery near the hospital, had them make a 10 inch layer cake, decorate it the way I wanted, and deliver it to the hospital for $35 and some change.

[@jassinaable]

for 71 you can do this twice and still have a dollar

[@beccamayhr]

ich halt eben AND STILL HAVE A DOLLAR. I’m dead.

[@ssstitchesss]

She probably ordered them from some instagram-famous fancy place lol

[@MyLady22]

Neh I don’t know why cakes are so expensive these days. I will never pay more than $10 for a cake.

[@argentiskyblau159]

You don't even need a car in New York