Millionaire Reacts: Living On $100k A Year In Atlanta | Millennial Money

[@itsAsian513]

Lol her bf provides her food, clothes, and transportation... and her message is to not let $230k debt be more of a priority. What a message

[@bethanywashington1243]

The crazy part is that he is driving her everywhere for the most part, yet she still has an expensive car with high payments.

[@ReadThisOnly]

lmao it's her sugar daddy

[@TheNspresentsfame]

@@ReadThisOnly I said this on their original video, and I "friend" of the woman came at me. It's not just me, something is fishy about that situation.

[@SeanK1684]

My same sentiment 🤦🏾‍♂️🤦🏾‍♂️🤦🏾‍♂️

[@evangeliamintzai6302]

Her message should be, get a sugar daddy! Which is sad because she is a successful doctor. Oh well.

[@JessicaDaniJohnson]

She needs to stop investing and "enjoying life" and attack those loans. They grew by 50k in 2 yrs

[@Nwakaego_]

You’re so right. She needs to live like she makes $40K and get rid of those loans ASAP. Those student loans will be at 600K in less than 10 years if she doesn’t get serious about eliminating them. No thanks.

[@TartarianTopG]

Yes this makes me sick

[@suttsd]

@Lovely_Day I thought she comtributes 400+ and then they employer matches that amount

[@suttsd]

@Lovely_Day actually i just watched it and I was correct. She puts 221 in a 401k and 221 in a Roth 401k. Take a look at 8:57

[@suttsd]

@Lovely_Day yup :)

[@asiamay4087]

Could you imagine Little Grahams running around doing chores and then crying when Big Graham takes out taxes from their Little Graham allowances

[@99niaalice]

Asia May AHAHAHAHAHAHA THIS

[@AllAboutPurple]

Lmao 😂😂💀💀

[@umairahmad4711]

💀💰💰

[@benmartinez2226]

Can’t wait to see it all on KZbin lol

[@MarvelousProductions]

😂😂😂

[@samXDpm]

Graham "kids should get paid to do chores" Me "others got paid?"

[@wadebarnett2542]

"You'll do the chores if you want to eat and live in the house!"

[@i6or634]

@wadebarnett bruh its like i wasn't asked to be born

[@gamingwithblaise3822]

@@wadebarnett2542 That doesn't teach responsibility. It teaches you to do something for food and shelter. Similar to slavery. I do wonder if the OP had to do farm work without being paid though.

[@Cvshmere]

My dad used to call me a slave. Ya’ll called it chores?

[@gamingwithblaise3822]

@@Cvshmere Nope :D

[@aja23136]

She uses the term "invest in yourself" to justify buying expensive things.

[@hojaeyun6747]

Yeah still a 10 year old in a 30 year old body. What can we say. Millenials :/

[@crisbrazil]

I will never understand how buying expensive clothes can be considered "investing in yourself"

[@equivalentexchangeisalie5726]

hojae yun Hey 😓

[@brendanpospischil3871]

@@crisbrazil Unless your jobs requires (a very rare case), but in this case, it doesn't.

[@bemymoonlight5484]

there is nothing wrong with buying expensive things, u just have to be smart with it

[@NoorAnomaly]

Community College FTW! I'm a single mom of two and I'm due to graduate in December, with $0 in student debt. Heck, I've even received refund checks from my College for unused Pell Grants. I shop around for the books required, and don't pay the College bookstore price unless they're equal to the lowest price I can find. The refunds have helped me finance certifications that are important to IT professionals, such as my CCNA certification. ($360 to sit for it) I have a job interview next week! :D

[@c-u-next-tuesday]

Congrats! Hope they hire you

[@carolyna.869]

Good luck!!

[@twinsere3226]

My Brother is going to take the CCNA as well in a week. Good luck 👍

[@NAnone09]

Nice job. Mama your little ones will be proud of you!

[@russelljconquerslifehawkey]

Dave Ramsey smiles at you

[@Jerrydiehard]

REFINANCE THE LOANS! Interest rates are so low rn. There is no reason she should be getting 50k in interest over 2 years. We need to get her on the show.

[@loganc2380]

Yeah that loan is easily upwards of an 8% interest rate

[@darraghcollins4961]

Assuming it was 189999 3 years ago her interest rate is roughly 5.7% which means she needs to pay around 13k a year to simply stop the debt from growing. Unless she fixes that she is never going to retire.

[@jennylin6806]

refinance can cost a lot too

[@samuelli2002]

Darragh Collins wait, that is calculated quarterly, right?

[@loganc2380]

@@samuelli2002 typically loans are calculated monthly (so annual interest rate/12 is multipled to the total amount)

[@rachelfrombefore]

She has got to get this mess under control ASAP. She’s not going to be able to accrue wealth with this behavior.

[@carolyna.869]

Exactly!! She needs to call into Dave Ramsey! He would have her cleared in 4 years or less.

[@stringzar]

@@carolyna.869 Doubtful. A 100k/year salary means you take home $5k/month after taxes/medical/benefits/etc....then subtract necessary expenses like food, insurance, cell phone, internet, at best she can probably throw $4k/month at her debt. That debt is growing by $1k/month assuming 5.7% interest, so she can reduce debt by about $36k/year....best case scenario she can be debt free in 6years. At that point she'll have $0 net worth, or be about as rich as a homeless person....she'll be in her late 30's by then, in the early stages of menopause, she'll be lucky to ever have kids or if she's lucky she can go into another $100k in debt for fertility treatment and end up with an autistic child. You rarely seem STEM majors with $200k in student debt, because they are good enough at math to realize they are better off committing suicide.

[@birdzonpatrol]

stringzar I enjoyed this comment

[@linusmlgtips2123]

@@stringzar Such bullshit you cant discharge student loan debt in bankruptcy in almost no circumstances. Rigged system.

[@Vasil-of2ki]

@@linusmlgtips2123 well the reason you can't declare bankruptcy on student is because the government can't take away your education the same way a bank can take away your home if you default on a home mortgage. It's not a rigged system if you are smart about it since in the beginning and you are not required to take student loans to have a happy life

[@Dani-mw5gk]

Omg lol 😂 substituting a Kenzie’s for a Trader Joe’s bag

[@rachelfrombefore]

I chuckled so hard!! My $50 fossil tote has taken me so far 😂

[@carolinaviramontes2850]

I have a TJ tote😏😏😏 works fineeeeeeee

[@NHCS24]

Stupid an i bet she owns no stock.

[@zainabomer7511]

🤣🤣🤣

[@Guy_LastName]

"i wanted to let people know that you can live your life comfortably even though you have a large amount of student loan debt" this is why people stay broke.

[@ajh.4131]

I know lol What exactly is comfortable about living with that much debt? I think people assume since they'll be making way more over the years in that profession, they can take their time to pay it off or something. But at the end of the day, it's money still owed. The interest alone is a nightmare!

[@amde8554]

AJ H. It’s also an opportunity cost - all that money she’s paying into debt could have been invested

[@mariaotto6732]

This is why ppl stay broke but appear to “live a nice life” for fb and IG.... like just stop proving yourself to others already, log off social media and work aggressively on that debt! I would not be near as chilled about it as she is...

[@brimed9594]

She has a great job but she still has a considerable amount of debt. If her boyfriend wasn't spending so much money on her would her life still be comfortable for her?

[@olawunmivera-cruz4879]

AJ H. Eve if she’s not worried right now, what about when she wants to buy property? The bank is gonna look at that debt and be like nope. Unless she plans to live in apartments forever. Maybe her bf will pay the mortgage.

[@financialnews9151]

"You can live a great life with student loan debt if you are dating someone who pays for you to live that life" - there fixed it!

[@jeffreybaker3496]

"FIXED IT" lol 👌

[@Mx6D]

I don't know how much her boyfriend is making but, he shouldn't have to pay for so much of her stuff when she is making $100k per year. $100k is more than enough for her to live good off. That guy is simping hard

[@spants1058]

Yeah seriously. I would never do this to someone I wasn’t married to, and even then, I wouldn’t pay for everything unless they were a stay at home parent. They are both on a slippery slope with that. She couldvleave him tomorrow and he would have wasted all that money. She should take some pride in herself and pay for her own damn groceries, split meals and gas, etc. Especially with her income.

[@everybodylovesducksauce7158]

At the beginning she talks about saving and being virtuous, but then near the end drops her bf pays for everything... Not ok.

[@TheNotShot]

I find it very weird she tries to use the "Pay yourself first" philosophy to indulge in self serving purchases cloths travel etc. When the whole idea behind that is to pay yourself first to put it into investments that will make you more money.

[@MissMBA]

I wouldn't be traveling every month with a 230k+ student loan, 2k credit card debt and car note. Treat yourself but not that much with all that debt. GTFOH!

[@evangeliamintzai6302]

I also thought that pay yourself first means enjoy the money first and pay your debt layer. The philosophy doesn't specify how to pay yourself.

[@AllegedlyStephanie]

The first step of student loan repayment is getting out of denial 😅

[@ayomide7931]

Damn

[@kdelete4949]

Annoying that someone is supporting her financial and she isn't even trying to pay down her student loans. Hunker down for 3 years and get the loan under $100k.

[@360.Tapestry]

sadly, having a degree doesn't automatically give people financial savvy... at least, she's "saving." but with 2020, those "high-yield" saving accounts probably aren't keeping up

[@CD-vu8hh]

Crazy how clinical doctorate degrees are becoming the entry requirement into therapy fields. Physical therapy was the first, then occupational therapy, and now some are pushing for speech therapy to require a doctoral degree. As an therapist myself, I can confirm that therapists DO NOT get paid enough to warrant a lengthy and expensive clinical doctorate.

[@DobberOT]

They barely justify a master's LOL. Thank God OT put that on freeze for now

[@yeaana]

Agreed!!! It makes me sick. I work with a lot of PT, OT and speech therapists and they all have a ton of debt from grad school. I only have my ADN and I make more than them.

[@Aevykin]

@@yeaana You have to consider that most prospective nurses are not getting an ADN anymore as job requirements have largely shifted to BSN. In the current year, BSN students are also coming out with debt, obviously likely not as high as DPT/OTD/MOT, but nevertheless, you can't pick up an ADN now for 10 grand and expect a six figure salary. This could have happened 20 years ago, but not anymore. Furthermore, looking at BLS statistics nationwide, PT's make on average 13k higher than RNs. I would venture to guess that you've been in the field for a while and earned your RN back when a BSN wasn't as mainstream as it is now.

[@TheMichelex20]

I work with PTs in the hospital. Only the young ones have doctorates. The older ones tell me it’s completely unnecessary and “experience counts for everything”. That’s a direct quote from a hiring therapy manager.

[@Aevykin]

@@TheMichelex20 Well, what can new therapists do? They don't have a choice but to get a DPT now.

[@prestonlaw]

This lady seems perfectly content being broke. She should live on 50k and put 50k annually towards the debt. 5 years debt free boom

[@callmeosho7792]

30k of that goes to taxes though

[@jaydesjardins730]

I bet i'm not the only one who pause on graham's google search everytime - "Where do squirrels sleep"

[@monique7885]

I hope he’s trolling us with these searching because they’re so funny

[@chef_rg.2]

Lmao🤣😅

[@Nwakaego_]

Lol I do it too. Just to laugh!🤣

[@financialfitness4148]

Me too bro!

[@jenm1]

LOOOOL

[@nicolefashton]

Her advise is to get a boyfriend to pay for all your expensive stuff so you can live your best life.

[@elkaparedes5469]

🤣🤣🤣🤣🤣 basically get a sugar daddy or momma

[@NoorAnomaly]

Yeah no. I refuse. No more of that BS in my life. I'll pay for it myself, thank you very much! :D

[@nicolegrande6151]

Maybe get two boyfriends and live double your best life 😜

[@nicolefashton]

Nicole Grande I like how you think 🤣🤣

[@jrt2792]

How pathetic.

[@saulgoodman2018]

According to the CNBC article, "Colman puts $453 total toward her private loans each month. Normally, she also pays $229 per month toward her federal loans, but those have been deferred through the end of the year due to Covid-19. She expects to pay off her private loans in eight years and her federal loans in 25. At that time, any remaining balance on her federal loans will be discharged, and Colman will pay taxes on the amount forgiven. " She also said before the virus, she spent $600 a month on vacations. In 25 years, only paying $229, she only paid $68,700. Then the loan would probably be over 500k. She would still owe over 200k in tax.

[@VictorLopez-iz8pe]

Yea she a dumbass

[@Qlassicrepresent]

Saul Goodman for president

[@ismaaeel8957]

oh ok i guess it saul goodman

[@sophiehinton8181]

Can you explain to me- I’m not from USA. With the student loan being forgiven, does that rely on the government at the time agreeing to forgive the loan? In NZ our government decides policy around student loans etc so is she relying on something that’s not guaranteed, like in 25 years a lot can change. Or is this “forgiveness” a guarantee?

[@kylemorehead6839]

@@sophiehinton8181 when student loan debt is "forgiven" in the US it's counted as "income" and subject to regular income tax. A lot of people get caught off guard by that and then end up having a huge tax bill the year that their debt gets "forgiven". It's still less than the remainder of the debt but having that huge bill all at once can cause big issues for some people.

[@chocolatelover9109]

I live in Atlanta with a six figure household income. I’m curious to see how she lives because the cost of living is low depending on the area (low overall compared to LA). Edit: With that amount of debt, she needs to be throwing all her extra income towards it. Instead of vacationing every month, how about every other month or once every quarter. I don’t see how she’s so carefree about it. I wouldn’t go Dave Ramsey extreme because life is short and you should enjoy life but you should also be financially responsible.

[@ajh.4131]

Agreed. The low cost of living and the fact that her bf is covering a good chunk of her expenses, I'd be putting a lot of it towards debt. And here I am, thinking my 10K student debt is a lot HAHAHA

[@ItsVincentAgain]

Given her overall attitude about her finances... I'd assume her ability to FLEX (within every aspect of her life) is more important than living in a more affordable matter. 🤷‍♂️

[@blackestknight1.0]

She needs to be throwing the bulk of that disposable income towards her debt given that she's fortunate to have an SRP (SIMP Relief Package).

[@happyyourehere]

@@ajh.4131 Girl! Good for you! 10k is like the cost of a used car. Nice

[@josh-cb4ng]

She gonna be 65 working full time but each to their own

[@tracy_cakkes]

That’s what I did Going to a community college and then a state school (in state) Combined with financial aid it’s so much cheaper

[@happyyourehere]

Same here. I just finish my associates and i owe $0 in student loans. Hopefully by the time I graduate I won't owe anything .

[@masternobody1896]

it all make sense now everything is a calculated business

[@enesfetahovic1504]

What is the difference between a state college and a private college apart from the obvious (state owned and private)

[@itzjusbrian]

BobTheBuilder69 it just depends what you’re looking for there’s a difference in resources many private colleges will have large endowments and connections with other private colleges and the other difference is the difference in out of state and instate tuition private schools charge the same for everyone public state schools do not they charge less if you are a state resident.

[@itzjusbrian]

BobTheBuilder69 also what she said about private vs state it just depends on which private I suggest attending college fairs because many colleges have a no loan policy where they won’t give loans as part of their financial aid so you’ll only get grants etc. I’d say private colleges have great alumni network depending on which and will have many resources depending on your major. There’s so much factors. Do your research and don’t go to college for the name brand

[@jpow850]

Kinda scary how people are so desensitized to student debt...like almost a herd mentality.

[@financebros7803]

J Pow welcome to medicine haha - that why med bills are so high it’s scary but you get in deep real fast

[@abhim9221]

yea and her friends and everybody on the internet will tell her she winning in life cause she "earns 100k a year"

[@elisemueller9967]

Omg.

[@steverl22]

@@abhim9221 BINGO!!! they act like no one has DEBT🤔

[@555noelle1]

Investing in her friends art, clothes etc is crazy when she’s so in debt.

[@DewTime]

“Investing” is the funny part

[@dernman523]

Agreed. Art and designer clothes are for people who aren't 230k in debt

[@DG-mk7kd]

Physical therapists max out at like 120k, unless she gets a couple more guys to cover her spending she will never pay off that loan.

[@Ravie1]

If she actually hunkered down and put a bit over half of her post tax income towards debt she could free herself by the end of the decade.

[@MissMBA]

A couple more guys. Damn! 🤣🤣🤣

[@cindylong624]

Buy a cheaper car, cheaper apartment, learn to cook, hit the thrift stores/ebay for clothes, household items. Go ahead a create several sources of passive income,YT channel ,etc and get that debt paid off!

[@jonharlowfan]

You made my day

[@zylo999]

@@cindylong624 You don't need several sources of income, you don't need to work work stuggle stuggle. Just be smart. One or two side hustles are fine but she can also just live off half her income and use the rest to pay off the debt within 5-6 years. She can be debt free by 40 just like that.

[@sidds3180]

"I wanna let other millennials know that you can live the life you want and live your life comfortably even though you have large amount of student loans" As a fellow millennial this kind of thinking terrifies me, what do you mean "live comfortably"? where is this confidence coming from? I realize I sound harsh, but she converses as if her student loans are not entirely on her. That baffles me.

[@andnew1335]

She has that average American life style. Living in the “now”

[@financialfitness4148]

Totally agree!

[@NickFaulkner]

Yup

[@Darkbunnyess]

The future is expensive, kids, retirement, kids

[@ninjablack4347]

and some poor sucker will marry her who delayed gratification, is rich now, and now she gets to splurge

[@dariuskarneckij6377]

As you should be.

[@cheukkwanlau2]

Did anyone else pause and look at graham's search history? 2:42 "where do squirrels sleep" lmao

[@e870252314]

Surprised Graham didn't make more comment on the boyfriend pays everything part lol

[@loganc2380]

Well "she got a good deal on that one" sums it up pretty well

[@vee9043]

Because he does too, lol

[@happyyourehere]

Graham is classy like that.

[@ninjatv4660]

He previously did a video on this channel reacting to "How To Get a Guy to Spend Money on You". My guess is that he's trying to avoid controversy by touching on the topic as little as possible, although I would guess that he was dying inside during that video - at least I was.

[@Lady_Tee15]

😂🤣

[@l.schaefer9274]

Moral of the story: get a sugar daddy that will cater to your every whim to their detriment.

[@victor-vw8oz]

😂 how he just contradicts her is so funny “Nooo let it consume you”

[@MaryRalladi]

lol i died at that part too!

[@joshs.47]

I'm sorry to say this, but imagine being the guy potentially marrying into this financial mess.

[@elisemueller9967]

She has a good future

[@tidey4]

I'm black this thinking is horrible in our community.

[@amapnamedpam]

@@tidey4 its the truth, why everyone acts like the truth is such a bad thing. women choose men based on finances all the time, this isnt a great situation going in as a SO

[@jenjones90]

If she didn't have the boyfriend she'd be struggling and would probably be in a lot more debt....and one day he will likely get tired of paying for everything 😕

[@clhk12]

@@elisemueller9967 not really, what she have is a sugar daddy.

[@bluebutterfly5684]

Boyfriend pays for clothes and bags?? I would be asking him for debt contributions instead. I had her attitude about my student loans when I was younger, and then after about 10-15 years of work, I was OVER it and ready to be free, but I was weighed down with debt. 😭 Took me about 5-6 years of sacrifice to pay them off (did my own hair, skipped travel, cut back on eating out, paid off my car, etc.), but I wish I had wiped them out early on. I drive a cute little paid for Civic now, and I never wanna see debt again. Period.

[@MissMBA]

At least you finally woke up and smelled the coffee

[@Ink30]

Smart 💯

[@ray199510]

Food: $50. That sounds like me when Im budgeting and don't want to acknowledge the hundreds I actually spend on food a month😂

[@Angela-ne9cy]

If the boyfriend is a spender, I'm curious how much debt HE has! Between the two of them, I'd be afraid of the financial outcome down the road.

[@jillleturgey1001]

This woman reminds me of my roommate who ignored her student loans like she does all her debts and it went from $18,000 to over $100,000 in the last 10 years. Good luck lady

[@SamMartinPeakPerformance]

i don't like how smug she is about offsetting her costs to her over-generous boyfriend 🐍

[@SGast]

I would not even classify him as a boyfriend anymore, he is a sugar daddy. If they are both happy with this arrangement, who am I to judge. I would just hate to be this dependent on someone else. It would feel lees like a true partnership to me and more like some kind of business transaction.

[@mikebowman6454]

I have to imagine he will get sick of it eventually. Just doesn't seem like a sustainable relationship

[@4motmot]

Mike Bowman in the original video i think she said they’ve been together for 7 years.

[@alona724]

Smug? She seemed grateful to me. He’s a grown man and takes pleasure in doing nice things for her. We should all be ok with that.

[@ChieftainHawke]

she lives in atlanta, thats her sugar daddy. that whole city is full of escorts

[@davidsdinero]

I saw millenial money posted this a few days ago and I just knew Graham would make a video on it so I waited on purpose to watch it because Graham's reactions are always priceless😂

[@TheGrahamStephanShow]

Enjoy!! :)

[@xaviersfinance2664]

I also made a reaction video

[@xaviersfinance2664]

The day before

[@davidsdinero]

@@xaviersfinance2664 Just checked out your video it was cool bro. Just can improve on the audio but definitely keep grinding (:

[@davidsdinero]

@@xaviersfinance2664 I subbed by the way!

[@doubleu1017]

I was waiting for Graham's reaction to this, and he didn't disappoint.

[@TheGrahamStephanShow]

Enjoy!!

[@orangeboy97]

I don't think she knows what "paying yourself first" means

[@Rillien]

Dave Ramsey would go nuts hearing her and seeing what car she got😛

[@TartarianTopG]

Yep

[@foreverbrit97]

its not like its a luxury vehicle. her car payments are high because she probably has terrible credit

[@autisticchoppa3589]

foreverbrit97 Should have just bought the car in full. Should have gotten a reliable $5k-$10k car used in full.

[@foreverbrit97]

Grahm Stephans Step Son I agree. But the OP said "seeing what car she got" and all im saying is the car isnt all that to begin with. Its clear she put down a low (or no) down payment on the car and/or have high interest due to her credit score. There is no good reason why she is paying almost $500 dollars for a 20K car. Her car note should have been less than $200. There was another millenial money video where the girl was debt free from college but was paying like, $600+ a month for her BMW. Now THAT i can see being an issue...but Mazdas arent expensive at all. She could have bought a pre-owned Mazda instead for wayyy cheaper. But i understand that she should have just bought a used car outright so she doesnt have to worry about the monthly payments. All in all, she's terrible with her money.

[@MusicBoxAlsoWater]

SELL IT AND BUY A BEATER! BEANS AND RICE, RICE AND BEANS!

[@KyleLiongCars]

Agree and would love to see daily Millenial Money just to see Graham react to it daily

[@TheGrahamStephanShow]

🙌🏼

[@MissMBA]

Since he voluntarily buys her clothes, he could send payments to her student loan debt instead :)

[@jin394]

My only caution against community college and transferring is that sometimes the credits don’t transfer nicely and if you’re not careful, you may end up doing 2 years community + 3 or 4 years university. Do your research, make sure the community college and university work nicely together!

[@abhim9221]

if you decide to do stem it is best to do only 1 year at community college

[@ReptilesEat]

@@abhim9221 Why is that?

[@abhim9221]

@@ReptilesEat physical therapist dont make that much money working for someone else's, she could make like 150,000$ but she would have to open private office which takes hard work and time, you may have to work more than 40HRs per week

[@ReptilesEat]

@@abhim9221 Nah I meant why did you say if you're doing stem you should only do 1 year at community college?

[@abhim9221]

@@ReptilesEat oh my bad, usually community college will have intro courses that don't count towards your major an example of this is a physics course at my local college is only the intro physics but at the state school the intro physics is not allowed or the same thing for a math community college may have only up to calc 2 but some stem requires more than that or require something like "Calc for engineering". or they just don't transfer make sure to look at ur colleges transfer equivalency to make sure,

[@therainbro]

Graham is going to learn the hard way when his kids find out about business expenses and use that as a “tax write off” for their chores 😂 so long 30% tax bracket in the household

[@WTFIWFYDB]

Honestly, if I were a father and my kid did that, i'd be proud of him. It would mean that my exercise is working profoundly)

[@Hi-nh7wu]

Lol, imma try that cuz my parents also watch graham..hope they don’t read this comment

[@GrowWithWill]

Great tip in terms of CC for two years and then transferring into a better school -- it works for top schools too!

[@MsSuiite]

Honestly!! So exited that you have a real budget to critic, I saw the original video and thought she’s crazy!

[@MsSuiite]

Excited*

[@michaelmitchell8133]

I am a physical therapist and it is not worth becoming a therapist for debt to income ratio. It is a great career, but there is minimal wage growth and upward mobility. So many better opportunities out there.

[@AboutAysha]

I got a coffee ad before this video, I think Graham's plot for becoming a frugal coffee connoisseur is working!

[@seancasey6984]

She said she “invests” in her friends by buying their goods and services.... that is DEFINITELY NOT investing

[@DOUBLETAPM4A1]

love your videos graham! just moved out from my parent's place and have been putting so many of your videos to use since and they really help me manage my money in a smarter way. I know you seem to not like them very much, but im an options trader myself and have been doing well. Love the vids keep it up!

[@TheGrahamStephanShow]

Well done!! 🙌🏼

[@chrishewittpiano]

"Buying their [my friends'] body products"... I LEGIT thought she said "Buying their body parts" and I was thinking "Whoa... crazy, but everyone's got their kinks!"

[@flisfinance5680]

Oh wow love to see it!!!! Keep up the commentary on the videos!

[@koreyjeffries9504]

"She got a good bargain on that one" lmaoooooooo

[@saulgoodman2018]

100k, about 80k after taxes. She spends 4.5k a month. That comes out to 54k. So there's like 26k missing.

[@TheGrahamStephanShow]

😱😱😱

[@hemanthponnada4763]

its actually 72k after taxes, still missing 18k.

[@Julian-zc9vm]

She said her second job hours got cut because it's in a nursing home and covid makes the clientele vulnerable. She also said that her second job income basically went to shopping and traveling so she was blowing it. 100k must be her pre covid income.

[@saulgoodman2018]

@@Julian-zc9vm After covid, it will go back up to 100k. The point is, she's not spending her money wisely.

[@Julian-zc9vm]

@@saulgoodman2018 I never said she was, I just answered the question you asked. And I said she was blowing her second paycheck which means not spending wisely.

[@makemoneysecrets6182]

I love Graham's google search history 😂

[@nicolegraham1492]

I was waiting for a Graham Stephen review. I wasn’t surprised or disappointed with your response.

[@Firewalker9090]

Anyone: Mentions back pain. Everyone: Fixes their posture.

[@majia]

Grahan thank you so much, your channel has been the brightest thing for me in 2020. I've been hardcore paying down my debt and "feeling" broke, but I now have savings, and my debts are being paid off. I can't wait to write when I'm finished, you changed my life, thank you for making your channel. I was also worried I was paying "too" much debt down and that I should be saving more instead of paying down the debt, but this video gave me the pat on the shoulder and clarity I needed. :D

[@iriamonge1704]

The issue is that she's living like she has nothing to pay but boy she's wrong.

[@roseemich]

I have been waiting for this!

[@NeekoFreeman]

Aww man. Saving this and will watch when I get off work tonight. I was waiting for your reaction!!

[@PierceJPeterson]

Waittttt for it... like button smashed 👍🏻

[@lilmisshell7]

You should react to Ashton Kutcher's Going from broke. Its similar to millennial money!

[@financiallift6185]

I broke my mouse trying to smash the like button as fast as that clip

[@chrisharris_arizona]

@Financial Lift I broke my forehead smashing it on my desk after hearing her $230k student loan debt and hearing things like paying herself first with vacations and material things.

[@SGast]

I had parents that paid me for chores and it was great. We had basic chores that were non negotiable as I was after all living there but then we had optional ones that we could earn money from like washing windows. And we could pitch other chores, when we thought of something that should be done like recogging the bathroom and then negotiate the rate. We were never paid by the hour always per task. It taught me a lot. First of all, to value of money as it does not just appear. Second, that there is always more opportunity to make money when you are creative. Lastly, that not everything you do will make you the same amount of money so you should invest your time wisely. I also has a 90% tax rate not on the money I earned through chores but on any money gifts I got. The money was invested for me and in retrospect I am very grateful as I always had the safeynet it afforded me.

[@daysy409]

Omg the way I was waiting for your reaction ever since I saw the CNBC video. What a doozy!

[@francesca.pellegrino]

When I asked my parents what an allowance was (because I didn't know, but kids at school talked about it), they told me it was Communism and the conversation was pretty much over. XD

[@CashandCareerConfessions]

LOLOL

[@Rillien]

Hahah lol

[@issecret1]

Not getting an allowance is more true to actual communism

[@gamingwithblaise3822]

There was never any talk of allowance in my household. If it was brought up we got yelled at for being "unappreciative pricks". Crappy "stepfathers" for ya.

[@Lady_Tee15]

😂🤣😅

[@jordanw0610]

only $900 a month going to over 200k in student loans is low. she must have them bad boys on a 50year term lol.

[@xieyeet2049]

🤣🤣🤣

[@kristinaerickson2353]

Mine are 40k and my minimum is like $745. I'm paying it off faster but she must have some crazy repayment plan going on.

[@jordanw0610]

@@kristinaerickson2353 Exactly! Mines are around 60k right now and I pay $1,500 so i can get them paid off in the next 3 years. she has to be getting killed with interest.

[@kristinaerickson2353]

@@jordanw0610 I pump about 1k a month into mine.

[@TIUlove]

Income based repayment

[@ALXSSA]

Yeah, her student loans would haunt me lol the fact that they grow sooo much in interest is insane. She may have to rent for a while. Happy she is Jamaican American, love seeing them on the show!

[@CPTZK11]

Love seeing a black woman, but her mantra about spending and living life first is a cultural issue we have

[@TheMichelex20]

Yassss! I been waiting on this one. Her situation is crazy. But this is the typical Atlanta lifestyle.

[@noahehler3541]

Bro I swear this series is my favorite of all time (tv shows and movies included)

[@mindtheprivacy]

You are such a charismatic individual! So candid! "The illness" got me laughing :...)

[@rubydenna3715]

Graham being so excited for another Millennial money he wears a dress shirt rather then his $5 H&M tee shirts! (He should put his 20 cent iced coffee in a fancy glass next time 😉)

[@ianp7383]

Going to community college before a university, thanks to Graham!

[@xaviersfinance2664]

Yeah that was my reaction when I heard the $230,000

[@TheGrahamStephanShow]

Yikes

[@CashandCareerConfessions]

She's a doctor. It's VERY difficult to come out with a low loan. My cousin was lucky enough to get an MD for free because her parents paid for it

[@VeggieBob7]

Irene Z Goodman she’s not an MD. I’m pretty sure she has a PhD, so she won’t make as much as and MD would

[@ADR99971]

She can pay for them student loans a lot faster, it’s not like she’s paying for everything 🙄

[@ItsVincentAgain]

Being enabled by the BF only allows her to spend even more. Good Luck if/when the breakup comes along. 🙄

[@ADR99971]

Vincent she seems to be pretty level headed outside of the 230k student loan. If they breakup I’m sure and I hope she can handle it.

[@ItsVincentAgain]

@@ADR99971 Let's hope so.

[@ADR99971]

Antoine Carey I wouldn’t say that but there is a fine line with responsibly helping your significant other and paying for everything just for the hell of it while enabling their bad financial habits.

[@ADR99971]

Antoine Carey lol no. I am a whole Str8 male. Like I said if it’s done responsibly I don’t see nothing wrong with paying for his girl/wife/finance things, sex has nothing to do with making sure your significant is secure in their relationship. But too assume I was a woman thinking like that is ignorant.

[@properconciete14]

The car paymt omg I died. When I bought my 2016 Honda Civic, I owed $13k on that loan but my payments were as low as $214/month on a 6.5year plan. I was determined to pay that off asap and I did so in 3 years. It was the most important to pay off because that was one less payment to anything that I had to make and $200 I can put away faster

[@rachelfrombefore]

Her car payment is what I spend on my half of rent. You already know she’s got a BMW, Audi, or Mercedes 🥴

[@rachelfrombefore]

ILubBL yep I saw it right after I posted my comment😫 I have a coworker who was spending $800 a month on an Infiniti his insurance is $300. Toyota me allll day lol!

[@vespervictrola]

@@ILubBLOfficial It's actually a Mazda CX-5, but it just goes to show how much money you can waste buying brand new cars, even non-luxury ones. Totally unnecessary when you can get one that's 3 to 4 years old for half price that's just as reliable 🙄

[@wadesloan]

$800 a month on an Infiniti?!!!! Wow@@rachelfrombefore

[@Ravie1]

@@rachelfrombefore I have roomates and got a good deal on an apt, her car payment is *smaller* than my rent. I don't live in Arkansas or something, I live in a pretty average cost city (not in Cali or somewhere with crazy rent).

[@EuanCopeland]

“Welcome Graham to the Back Stephan Show”

[@xaviersfinance2664]

Show Stephen back the two Graham welcome

[@gabrielh7517]

@@xaviersfinance2664 to welcome Graham back Stephan show the

[@Jake-ds9sw]

@@gabrielh7517 Back to the Graham Stephan show, welcome

[@jacobmastrogiovanni6057]

To back the welcome graham show Stephan.

[@chrisharris_arizona]

Welcome back to the button smash like show.

This woman is exactly my sister. In deep debt yet she has a masters degree and makes 100k and says she deserves to go on trips she can't afford. Meanwhile the debt keeps growing

[@Lady_Tee15]

😪

[@zylo999]

Sounds like your sister needs to move back in with her parents and pay that down asap.

[@CPTZK11]

Love how Graham stopped himself from calling him a simp into "she got a really good deal". I heard that in a good deal one is a fool and other is lucky

[@jordanw0610]

I had to pause the video as soon as she said 230k in student loan debt, to check my blood pressure.... I almost died

[@xieyeet2049]

Same

[@xieyeet2049]

Luckily she's a doctor

[@jordanw0610]

@@xieyeet2049 that was my first guess

[@LowScoville]

At my grad school orientation they told us “the longer you live like a student, the better you’ll live as a doctor” basically saying live poorly during school and for the few years after you graduate

[@Mrcool179]

"you can live the life that you want even if you have a large amount of student loan debt" *is literally only living comfortably because her man pays for everything that makes her life comfortable*

[@serenax.3622]

100% with Graham. Saving 90% of income. Well, in 2020, savings need to go directly to investments

[@CalebOliver]

Great Advice Graham! 👍🏾

[@AllPinck]

Not only do I smash that like button for the KZbin algorithm but I also watch all the ads for Graham’s wallet 🧐😂

[@AnanyaAtri]

Great video graham!

[@MultiParas007]

OMG!! "That is a good deal" for a relationship. Couldn't stop laughing 😂

[@MartnGuz]

I was waiting on this one!

[@itscabecarson]

is anyone going to completely overlook the search " where do squirrels sleep?" 2:42 btw lol

[@christyflores6706]

hey graham just wanted to let you know that since watching your channel my husband and I have changed our money habits. We now have $5,000 saved and no debt. we raised our credit score 100 points by using our credit cards wisely. Thank you! We plan on buying our first house next year in August when our lease is up.

[@applbarti828]

I'm in the same situation as her. With student loans in forbearance until January, I have been thinking about paying off my debt while interest does not accrue. To my understanding, my options are as follows: 1. Pay off as much student loan debt as possible and live frugally. 2. Pay off just enough student loan debt to pay towards balance and prevent interest from accruing. Put more money towards investments; which may yield more gains and then put towards loans in the future? 3. B/C of covid I have been able to save more. I am able to pay my full interest accrued roughly $20,000 all at once. Would it be better to pay off accrued interest all at once so that my following payments will eat away at the actual loan amount. 4. Save an emergency fund; dump rest of savings into investments. Hold off on paying off any loans until payments start again on January 2021. I would appreciate anyone's input!

[@cjsj2010]

soooo excited. Always love Millennial Money

[@TheGrahamStephanShow]

Enjoy!!

[@Nwakaego_]

I can’t agree with her. She needs to annihilate that debt ASAP. That amount of debt would keep me up at night daily.

[@genesis1177]

Mr. Stephan, Kevin Samuels, an image consultant also did a full video on this same woman from not only a financial but social view point. You should check it out and just see how deeper this goes than just what you see on the surface of her attitude and view concerning her finances. I think you will find it very insightful, which also validates what you also said in this video.

[@daydreamerwanderer]

Damn I actually liked the dress that was supposed to represent mediocre clothes made by friends 😂😂

[@MS-tt7df]

😂😂😂

[@TooOverrated]

I yelled YES so loud seeing this on my recommended. Def wanted to see this one

[@mostafakhalifa9147]

every time i see CNBC post i know that Graham's version is on the way

[@TheGrahamStephanShow]

You can count on it (:

[@sinethembamemela3353]

"I would let it consume my life" lol! Love this guy

[@Jericho9696]

Dave Ramsey disapproves this millennial’s lifestyle choices

[@TheGrahamStephanShow]

:(

[@aina3387]

When Dave and Graham agree you have to listen!