Millionaire Reacts: How This NYC Senior Consultant Spends Her $110K Salary | Glamour

Today we’re reviewing Glamour: How This NYC Senior Consultant Spends Her $110K Salary | Honest Accounts | Glamour. Here are my thoughts while I review her finances, spending habits, and investments. Enjoy! Add me on Instagram: GPStephan
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[@Nananananaheckyes]

If Graham ever has kids he's going to be the "we have food at home" parent for sure "Daddy I'm thirsty can you buy me a bottle of water" "Buddy we have water at home we can put that 99 cents in a Roth IRA"

[@theshriekinghominin1760]

Hahah. This reminds me so much of my dad. "The money we're spending for that X, can buy us a whole sack of rice." Yes, we're Asian.

[@MsPieO]

Nobody really knows anything about this Graham guy. How does anyone even know he is a millionaire? If he is such a successful guy why is he sitting here posting KZbin videos only having 100k subscribers? Sure seems like a lot of effort. It is so easy to sit there and criticize poor people that are below poverty level. How dare this poor person buy a gift for their friend? Why didn’t they put it in their IRA? Lol

[@silverwolf2643]

@@MsPieO Go check his original first channel. This is the second one. Your opinion is gonna change a lot.

[@houseoftimbers]

HA! My kids ask for ice cream when we go out and we always reply that we have ice cream at home 😂

[@SoundSpeeding]

My dad was very much like that! :-D But no really, he was awesome. I miss him :(

[@MinervAthena123]

Graham is STILL not over the $71 cupcakes hahaha Edit: 1.2k likes??? I've never gotten this many! Glad to know everyones on the same page here lol

[@darkstar9844]

Is anyone really?

[@Ndasuunye]

I am. Shes super young and still learning. Its frustrating when your at her level at 31

[@Dance1617]

How the fuck do you spend 71 dollars on cupcakes IN ONE MONTH🤔🤔🤔

[@franzessie9697]

@@Dance1617 I think she actually did ALL AT ONCE. Like - in a DAY...

[@crxracer805]

@@franzessie9697 Yup, in one day.

[@majesticf0x130]

Thumbs up if you think Graham should go on Millennial Money show

[@usmanmanni786]

I think I should go on the show at the end of this year I got a good feeling about it.

[@aciinonyx]

We should start a petition lmao

[@HumansOfVR]

Yes!

[@buildbrighter8386]

Yes!!!!!

[@spaceinvaders011]

I think they should do a follow up series where we get to see where they are now, and Graham can be brought in as part of the series to help with budgeting etc

[@rsloveeeee]

I will say the clothing prices of Lululemon are outrageous. But fast fashion is also a horrible industry. Have we become so used to supporting sweat shops that we're unwilling to pay the price for what responsibly made clothing should be?

[@jadiecakes3241]

Yep. People are more worried about their own wallets than those industries. And to be fair, some people dont make enough to pay the prices for ethical clothes.

[@rsloveeeee]

@@jadiecakes3241 true but I would argue that most do. People are obsessed these days with buying buying buying but really all you need is a few nice pieces. We're in a culture of consumers and getting five of each color has become so normalized. Luckily for those who can't afford to buy ethically you can go thrift shopping.

[@sayced7359]

I will never justify spending $50 on a t shirt, no matter how ethical it is

[@notcountingsheep3361]

Lululemon isn't ethically made LOL. They fooled you with the price tag. Yes, it's high quality and lasts a long time, but is in no way ethically made.

[@jadiecakes3241]

@@rsloveeeee I agree with you, but i also know people who do thrift and for them a cheap NEW top is a great thing (and ethics would never enter into it). I don't think it should just be on consumers, but industries too, to help make a change. A law perhaps, were stores need to display their ethical rating for example, would be a great small step for everyone. people could more easily make a more informed choice, and stores can see how that changes what people buy.

[@OrigamiTree]

That 20 cent coffee so close to a laptop is making me nervous. 😬

[@creatureselfie]

8:24 that moment when Graham remembers that one time he wore a crop top but refuses to admit it lol

[@aileybutler1694]

CreatureSuitSelfie omg 😂😂

[@marcoaguilera04]

ngl, this is probably the best all around channel, humorous, full of useful advice, and has made me expand my thinking of what I want to do with my life

[@strawberriesncandii]

I always look forward to Graham’s blood pressure rise from videos like this. Lmao

[@eliashuerta6409]

I like your videos because you don’t use super loud music in the background or every time a video ends or starts. Good job!

[@adrianagurd]

$110K salary as a Senior Consultant at her age is pretty standard. This is what consulting companies pay. Starting salary for an analyst right out of college (22 yrs old) is between $75-85k depending on where you live. After that, promotions happen almost every year with a $5-10K salary increase. This doesn't account for bonuses you get twice a year usually. She's doing great so not to belittle that I'm just saying if you are in consulting, similar to investment banking, you get paid a lot for your time. Usually this comes at the price of no work life balance, never being home and enough stress for you to want to retire after two years lol

[@lxs6792]

I like that everytime I watch one of Graham's videos, I learn something new. Even if it's just 1 thing. It goes a long way.

[@nulzmusic8461]

My guilty pleasure show is The Graham Stephan Show

[@anthonyc8600]

You're rant is the reason why I watch you, learn and execute. Youre honest and tell us HOW much you make off of people visiting your channel. "This is why I do this even though Im already worth millions. This is how I do it and the reason for how its executed." Even when I see your click-bait Im happy to click! As soon as I see an ad from all these financial guys interrupting your video and say "they want to help me"...Im out! I think you appeal to the smarter than average individual. Lamborghini doesnt advertise. Thank You for sharing the knowledge Graham.

[@I_am_milan]

I love when he says the whole video title. I get a kick out of it 😂🥰

[@dommy114]

8:25 Graham thinking about that one time he wore a crop-top.

[@Chavez8121]

Not your worst video.. good post, Graham!

[@thriftsndreams6809]

100% Agree with needing to be a little more open with peers about finances . I think the stigma comes from the old days where there were cowboys and thieves all over the place and people were spouting off how much money they have. I really think thats why the stigma is around. Every time I am talking to a friend or someone about jobs or money , I hear "I dont mean to be rude" or "sorry didn't mean to ask your personal business" I always tell them I wish more people did talk more openly about what they are doing to create more wealth for themselves so we can all learn from one another!

[@scemat]

Chase Sapphire Reserve also offers the free Priority Pass lounge membership. I have saved quite a bit munching/drinking for free in their lounges during long layovers.

[@dakotaconley_1490]

Lulu lemon clothing all has a lifetime warranty, if you tear it they’ll replace it or if it gets messed up they will grab that shirt off the rack and give you a new one. It’s honestly a good investment I’ve had one pair of shorts replaced 4 times in the past 5 years

[@lilycave3232]

A cake at sprinkles costs $61-63 here in chicago. that's standard about 70 for small cake at a nice bakery. my last cake at supermarket was 69.99 and it was for 12 ppl size, so with tax 70 on cake is more average than you think. My sister in law spent 250 on just a cake for a family party

[@revanthtiruveedhi3842]

These videos start off with Graham complaining that there aren't any issues or problems. Low key has a break down on how this video is a fail. Then gets super super excited by seeing a single mistake like Frozen Tickets. I love this 😂😂😂

[@matthewbabiak1127]

It's good to see someone doing it right

[@ImStuckInStockton]

How does she have 100k in savings if she's saved 6k/year for

[@littlelyndseylou]

Well, her monthly budget is 4.2k, or 50.4k a year. Even when accounting for taxes, that number should be closer to 6k, so I imagine she's putting away nearly 2k into her 401k every month and maxing it out every year.

[@ImStuckInStockton]

@@littlelyndseylou In the same part where she says her budget is 4.2k she says she puts $500 into savings/investments each month. That's 6k/year

[@losgamers5383]

Graham one thing about women's clothes is that it is more expensive than men's clothes and it goes to make up shampoo and other hygenic producst

[@troyschramii4828]

Graham is my spirit animal. Lol. I don't think there is any other channel that makes me want to click like on every video on all of youtube like Graham does. Thank you for existing Graham. - Your best friend even if only in Spirit Troy Scott Schram II.

[@sarahh9214]

I finally found out who he reminds me off.. He is like the rich version of Cody Ko😂😂 Seriously, they kinda look alike and have the same speech pattern and joke sequence.

[@guppyganders4398]

Jisoogirlie :3 you’re so right!! The intonations!

[@youkeston8941]

Graham killing it

[@ArchWayE]

Chase Sapphire should totally commercially sponsor Graham. I learned about it and am seriously looking into the card after Graham provided that so real world example of its benefits. Free Food with delayed flights!?!? OMG.

[@vanessabayardo9788]

I've been watching a lot of extreme couponers but today I got items on sale with no coupons. It was five cans of tuna down from 1.29 to 99 cents. A box of blueberry muffins down from 5 dollars to 2.79. And 8 small boxes of apple juice down from 2.50 to 1.99. I was so proud of my saving about 2.50. 😒😀 Edit: And the only reason I went shopping for snacks is because the new school I will work for decided to get rid of its vending machines...

[@Bad_Santa_Live]

Graham! Gotta make a video of how Wealthfront dropped their interest rate to 2.32% today just like you said they would probably do a few weeks back!

[@jakewalsh4444]

Finally an upload

[@kobe0007]

4.2k a month is not 110k annual salary. Even if you figure pre-tax, still not $110k.

[@MN-mc8ik]

Yh it is if you max out its and Roth. 110k probably 40 k for state and local taxes. If she maxes out Roth that's 19.5 k and her income 51k so that's about 110k

[@jazmynesimon7746]

Ok so video idea. Have a panel discussion with 20-somethings and just ask really personal uncomfortable money questions. People from different income levels and backgrounds. That would be interesting

[@Ammut6]

Love it!

[@btwimawesome101]

"Theres nothing wrong with it except its stupid." New life motto

[@extracurricular1]

Part of me likes seeing people kill it, but same time. The other part wants to see the graham rage over cupcakes 😂

[@maxdavenhill7276]

Wow - 100k subs. Great job Graham!!!👍

[@jennasabourin8179]

Graham I really like you and you’ve taught me a lot about money but sometimes I feel like you’ve really gotta loosen up lol...my philosophy with money is as long as your saving some and paying your bills and making sure you’re gonna be ok in the future making some dumb purchases along the way is fine. Clearly I’m not gonna be a millionaire like you anytime soon but life isn’t always all about saving. Go get a massage or something it’ll be worth it bc I feel like ur blood pressure is just way too high 😂.

[@merchopera3855]

2:57 Graham says "that guy is crazy" like I pander to my daughter about her shows I don't understand (but am still trying to make a meaningful connection with her) 😂

[@luavasconcelos1637]

“You could just watch Frozen online” - Graham

[@JakeMcCollum]

Lmao. “You can watch Frozen online.”

[@jaychat4985]

We love these vids either way

[@Melissandrel]

Hi Graham, still waiting for you to make videos about how to apply your advice in France :D (I know that'd be a lot of research, but I think you have a lot of French fans). If you want to get worked up, you should review closet tours or house tours etc when people show how they splurged. Also about the cooking recipes, if you want inspo or a collab idea, check out Tastemade struggle kitchen :) thx for the daily motivation and advice!

[@blkynBridge95]

I saw the thumbnail and was ready to fight you on the Frozen tickets mainly because I work on Broadway and that's pretty normal prices. But you didn't get as upset as I thought and I was a little disappointed haha.

[@angierose1143]

I binge old episodez of Till Debt Do us Part on KZbin

[@Boredfps_]

All these Bitconnect jokes make my day every video!

[@jodyporter3879]

At that age i was on (with inflation) probably more and had 0 in the bank and 0 in debt. I was too busy having fun.

[@phreum]

The reason why no one talks about it is because of the rules. When you have your securities license every little thing you say must be pre-approved. So we only do 1 on 1 type relationships.

[@dankfresh1223]

Even when they are doing everything right I think the videos and your reactions still make the video pretty great and are still pretty informative. Keep up the great content.

[@10livesimple19]

When I saw this video was posted, I literally threw my arms in the air because I was so excited to watch it lol

[@cole1]

7:57 Best warranty out there

[@jaredfiacco1107]

I was watching this because while waiting for my delayed flight that I booked with my Reserve card. I'm about to go to the cafe and spend that stipend.

[@troyneilvillamor4970]

I see graham stephan. I click subscribe. Dont care what channel. Watching From philippines.

[@seanm1281]

So Chase Saphire Reserve has a $450 annual fee. If that was her only travel expense, she'd still be out $390 bucks or so for the year.

[@yetijoeyetijoe]

Sharing knowledge for comparison. Salary of a non-technical Data Analyst in Dallas (much cheaper than NYC) with 5 yrs experience is $110K. This person knows Excel, pivot tables, tableau and strong communication skills that plays a liason role between the business and the tech team. Imagine how much you can save here. Also, her $1500 a month is a mortgage here.

[@valerieewing4023]

Bruh, that Chase Sapphire reserve plug. Going hard!!!!

[@D4n21]

Graham had his own version of spiderman's Peter Tingle 😂😂

[@gibben3479]

Love the vids Graham

[@otheruser9764]

I'm a simple man. I see a new Graham video, I smash the like button

[@marinevaletudie9617]

Instead of Lulumoon, the offer 2 for 24€ at fabletics is EXTREMELY GOOD. plus, it's the same quality

[@adriansampson6774]

The best thing I've heard this day 11:20

[@ronaldsoares2587]

Smashed that like button

[@Ellopanda]

Graham have you ever watched the old TV show called Til debt do us part?

[@untitled3478]

How is her take home $4,200 a month when it should be $6,454? Should be only 30% taxes.

[@youdontneedtoknow9980]

I assume 401k

[@elliottjackson3566]

Graham if you really read through all of the comments, then look a video by “don’t walk, don’t run productions” about a drama major with $118k in student debt. Make sure to mention me ☺️

[@gibben3479]

Love the vids keep up the good work.

[@stevenspencer306]

Personally, I don't think the person needs to be doing something wrong for your reaction videos to be good. You can still point out what they are doing right, and be excited that not everyone is terrible with there finances.

[@10xleverage]

Graham have you ever considered the balance between saving and maximizing your life? If you have no kids, preferably you on your last day you would die with 0 in the bank and have maximized and budged for the perfect life.

[@matchachachoco8948]

"You can watch frozen online" Well, Skype is free, save the airplane ticket...

[@mrspartan671]

instead of saying "slash", it's actually "vertical bar"........."her dollar sign, 110, K, vertical bar, glamour" XD

[@mikkelloesch2608]

i like the videos where people does something good because you can then teach people why it is good. (im 14 and i would watch a video called "how to refinance a property")

[@IsraelRich]

You forgot the Chase card link.

[@user.7257]

Hey Graham, I think you forgot to put the link for the Chase Sapphire Reserve

[@yumemonogataly]

It's a video from last year but can you react "Living On $50K A Year In NYC"? I think you're gonna love it.

[@allthingsmaloney5634]

As much as it is expensive as lululemon, I do have to say it is one of the ONLY stores I purchase from. Don't get me wrong I would not buy a top from them or anything... but I exclusively buy mainly pants/leggings. Why? Well Im currently 23 and have a pair of leggings that I bought from them when I was 15!! still in good shape, compression, and color, etc. I do not buy clothes. I MAYBE shop once every 16 months or so. When I do shop Im buying 2-3 articles of clothing at a time to replace old worn out stuff. Lululemon (dress pants, leggings) and American eagle (jeans, shorts, tops) are my go to and I havent bought clothes from other places in some time. Maybe ill look at H&M for top options but I find this place not as good as american eagle. Otherwise I don't shop anywhere else. Quality is impressive at these places and so worth the price! A lot of people I know shop every season and have to replace their stuff after a few months to a year.

[@jasperstojanovski5824]

Liked for the content marketing wisdom 12:25

[@rss2018]

You should highlight more people who have their money under control.

[@rimun5235]

I disagree with the frozen. I live in a completely different state from my mom and when she comes here, planning to splurge. I just think there are memorable experiences that we should splurge for. I don’t see family often so I go to events with them. Not all are expensive, but these are experience you remember and hilariously laugh about the disasters.

[@78kurenai]

10:56 I can so relate I made sure to like your vid... how sad stranger on KZbin is being my financial model..... my fam dont talk about this unless I bring up

[@sabrinatatalias4277]

Wait... after watching again, she spent $2470 at the end of the month on her card statement. She only had 2k budgeted to spend...so technically she overspent by $470. Shes making good money and saving...but she can definitely tweak certain things to save more in my opinion

[@SanchezS1998]

Never clicked on a video so fast! Just in time for lunch too 😋

[@Lime-rr6te]

graham meets his arch nemesis

[@ZaaZoJo]

Graham still talking about bitconnect ROFL.

[@Tron08]

Am I the only one that's not sure what a Senior Consultant is/does? What does their day-to-day job look like and what training/education does one need to become one?

[@iranakom]

Time to spam CNBC to get Graham on Millennial Money!

[@sammyb861]

Did anyone else notice that her take home pay is $4200 a month? Is 54% of her income really going towards taxes and insurance and other stuff? Cuz that’s a lot..

[@randominternetuser1681]

I don't see the referral link for the chase sapphire reserve in the description?

[@carlkpsplucky5554]

*Keyboard warrior voice* But Graham, I like watching Maury and millennial money.

[@cwvowel]

I'm not a fan of clickbait titles, but I get it. It's all about that marketing spin to make that sell. Graham, you've clickbaited the shit out of me many times, but NO MORE! Now I just watch EVERYTHING you post with no regard for the title!

[@pjdexter168]

Think of all the pressed juice she could have enjoyed with the Chase Sapphire card.

[@MelissaGGGG]

Graham: why are people ashamed to talk about how much they make & spend? Also Graham: what are you doing??? NO! you can't afford it! haha

[@yaykruser]

Is that a Breitling on your wrist Graham ?

[@jamesohnbader1782]

Honestly just do as many of these as you can

[@EyeForProfit]

I like your dream of getting people into personal finance I hope it comes true because you should see my face drop whenever I talk about money with people and they get offended to talk about their money situation or even the fact that I'm telling them about my money situation sorry if there's any typos I'm working out on the bike and using Voice text...

[@stayranty1595]

The woman Graham dreams about in his wildest dreams is real.

[@youngherradura7082]

But where is the chase sapphire reserve referral link tho???

[@Commenting800]

From a scale of slightly judgmental to Graham Stephan about money, where do you guys fall?

[@guadalajuraan]

You should react to extreme cheapskates or those coupon people on tlc

[@elsan687]

You remind me of Zach from try guys even the same Voice lol by the way love your Channel!!!!

[@randominternetuser1681]

| isn't a slash btw.

[@Ninjawarrior420]

He said BITCONNEEEEEEEECT!