Millionaire Reacts: Living On $88K A Year In The Bay Area | Millennial Money

Today we’re reacting to CNBC Make it: Living On $88K A Year In The Bay Area | Millennial Money - Enjoy! Add me on Instagram: GPStephan
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[@HumansOfVR]

*_I just want to let you know that the Graham Stephen community has taken over the comment section of Millenial Money videos_*

[@habs249]

We need 'Graham Stephan Community' t-shirts.

[@MoneyWithKazeem]

Living that frugal life

[@MoneyWithKazeem]

@Explosive Potato Yes sir

[@MoneyWithKazeem]

We should start a clothing company?

[@DanielSilva-wh8hm]

OkAy

[@20centcoffee68]

*Sigh... Gotta change my name to 19 cent iced coffee.*

[@ghostbuster2309]

Your username. Nice.

[@robertkyosaki3109]

Your a god.

[@DontCareFax]

Lolq

[@InvalidPersistentName]

LOL

[@vallano8970]

wtf LMAO

[@MrPratt54]

I gotta be honest, initially when I had discovered Graham, when I was in credit card debt and insecure about money, I hated Graham cause he seemed cocky about how much he made for his age, but now that I am out of that debt, have lowered my expenses way below my friends' expenses and am heavily investing, I really like the way Graham speaks about money. And the way he treats it, he respects it but doesn't let money or the want to make money take over life's happiness. Big fan now and forever!

[@nastialover180]

Same!! These videos used to give me anxiety because I was just like these people!! But I’m getting control of my finances, and I’m young enough that I can really turn things around, even if I’ve been dumb with money the last few years

[@pamallama]

I feel ya.

[@SoFreshBlaze]

Got rid of jealously. Try to learn from people doing better than you

[@whatevergoesforme5129]

@1234 True and that is why many poor people blame the rich all the time. Yes, some rich people are greedy but some rich people worked hard for their money and are penny-wise. What is important is to avoid debt as much as possible and live within or below your means if you can help it.

[@donotreplydumbpeople3866]

@I’m a moron! to you?? He's suppose to show u his bank account?? 😑😒

[@dewgyhouserm.d.4224]

*Graham looking at the financial gym*: You guys are getting paid??

[@nichollmc5557]

Yaass 😂

[@annkwardana290]

Omg 😂😂😂😂😂😂😂

[@lorenebonsu7266]

he does get paid, by youtube haha

[@Minka_6]

I just want CNBC to do my budget so I can have Graham review my spendings for free. Saving that $ already

[@austins.7566]

This Millenial Money react series truly has opened my eyes into the world of saving, investing and budgeting. Thanks Graham!!

[@nurmuhammadluthfi5407]

Yeah, me to before my 20s start. i feel gratefull

[@chungchan2678]

its opened my eyes to how stupid people really are.... i knew people were stupid but this stupid... its another level....

[@ScrollTD]

I enjoy frugal 17 cents coffee instead of lavish 20 cent

[@SensSword]

I know, right? Then again, that lavish millionaire lifestyle drinking $0.20 coffee isn't for everyone. They can keep their yachts. I'm happy with my kayak.

[@bustaballs]

Same. I got that great value coffee which is like 12 cents. I don't get how he spends so much on coffee like he's Bill Gates or something

[@canadude6401]

I drink tap water, so I guess in 7,000 years, I will have $511,000 in the bank! Sweet!

[@ScrollTD]

@68Camaro RS/SS oh, I made that comment satirically. I drink starbucks instead of Dunkin' Donuts cause im not a cheap jew.

[@grateful.]

@@canadude6401 if you had 93 cents invested at 2.25 over 1000 years that would be 4.3 billion

[@KatesAdventures]

I can't wait to sign up to the Financial Gym and avoid going just like my regular gym.

[@LilMermaid28]

Kate's Adventures hahahaha 😂😂

[@greensnmachines]

I watched this video while at the gym

[@sa5624]

Dead😂😂😂😂😂

[@BRhymesss]

lmaoooo mood

[@lindsaypaps8099]

Hahahahahaha ! Brilliant !

[@ChimpRevolution]

$85 a month to track your spending she does realize there are free budgeting apps that do this for you.

[@slaybomb96]

aka mint and excel

[@ChimpRevolution]

@@slaybomb96 yeah personally I just use the every dollar app works for me

[@MikeJustice1993]

I think she enjoys the fact that someone else keeps her accountable for her spending rather than looking at an app on her own (where she could just rationalize it away herself). If having this person saves her more than $85/month, it might be worth it to her.

[@SarahBo]

My bank app does this for me 😂😂 can you imagine

[@frankyg6906]

Personal Capital

[@HjbProductions]

Financial Gym is legit a scam lmfao. 1. They Charge to much 2. Her reasoning to having it was to see how much she's spending... That's scuffed

[@NoDayzOff200]

Free apps for that🤦‍♂️

[@cetriyasArtnComicsChannel]

Mint?

[@superduperjoi6800]

Everydollar app

[@MrMiniPancakes]

Hjb Productions spell right

[@NHGunfun]

There is free apps for that but you can also just take out a pen, paper, and calculator and think for yourself a little bit. It wouldn't hurt you. People will fall for anything nowadays.

[@dameonwite4794]

*Next we need living on 13k in by Beat the Bush.* I would actually enjoy a reaction to a video of someone who is doing almost everything right with their finances. It would allow me to continue to get motivated and try to budget better for the things that mean the most to me.

[@mckenawoowoo]

Dameon Wite id love to see these two guys chat

[@Ndasuunye]

eh I think BTB is more of a live by being sparse until you die type of guy vs a live frugal now, ball out later. Graham lives for the future, BTB's future is his present. BTB feels you should NEVER get that lambo or even a brand new Toyota. Graham feels you shouldn't get the lambo until you at least have it's worth 5 times over in your bank account. Two adjacent styles clashing there.

[@mitchell.9632]

raham has said in other comments yes and also in another that he could not criticize him.

[@michelm4rques]

This financial gym is like going to a real gym to eat pizza there.

[@kyle_throws_tools]

The Planet Fitness of financial services.

[@pmwilliams]

Kyle Metz he said Real gym

[@berksarioz969]

My wife legit that with Planet Fitness until I finally made her cancel her membership so she doesn't eat the most the expensive gym pizza 😅 I used to go three times every week, so for me, it was money well spent.

[@doomtomb3]

My financial gym is listening to Dave Ramsey and Graham Stephan

[@drippingwax]

I want to hear them debate!

[@beccaleigh7744]

Agreed.

[@elsan687]

💯!!!

[@gamblingoptions]

They’ve changed. Petition to put “Millennial Money” in the back!

[@dustin2072]

Bro that's racist.

[@yungcripple]

RACISM

[@happygenerously6008]

Ya....that's a bit racist

[@gamblingoptions]

Anne Day I just capitalized “millennial money”

[@PatNeedhamUSA]

@Anne Day today I learned capitalization is racist

[@Shoelander23]

Absolutely no one: Graham: CHASE SAPPHIRE RESERVE!!

[@jays9572]

I’ve learned more from graham about finances then school

[@silverwolf2643]

In school you don't learn absolutely anything that is going to be practical in everyday life.

[@ScrollTD]

Popping 24k i haven’t since my degree is finance... yeah.

[@kapiteur]

The financial gym: PAY US $145 TO TELL YOU NOT TO PAY US $145

[@MarkWTK]

Hmm Financial Gym... sounds like a place where you can *workout* while *listening to a personal finance podcast playing in the background* maybe a Graham Stephen podcast !

[@bustaballs]

I already do this for only $28 a month

[@millennialmusicmindset]

I waited so long for this video! Also, a penny turns into a dime at 7% return over 35 years! Congrats on your saving! 😂

[@itsezraiguess4814]

Ghrahm could you do a video where you apply for a job at the financial gym or just let them compliment your frugality during the free trial

[@takoyakiman007]

That will be so fun to see Graham on millennials money! I save $85 per month on financial advisor and $50 per month on entertainment by watching Graham 😂

[@superduperjoi6800]

Millinieal Money is the punchline. Thats why it shoulf be last

[@DietBajaBlast]

Are you really not going to mention her super sketchy move to Germany where she has no apartment or job lined up. She's not even married to the guy.

[@arielleparkerfargnoli4452]

Lee Klinglesmith I have major questions about planning ahead for that Germany trip like “in a month”

[@oregonflatland]

That's what I was thinking. Quitting an 88k job to follow somebody to Germany with all that debt is stone cold stupid. Does he really have to go to Germany?

[@Lisa.M.J]

Totally believe in Love...🤔 but it seems to cause people to overlook some pretty big “details”. Then again, she’s 27, so maybe she feels comfortable taking those kinds of life risks with a guy she’s not married to. 🤷🏻‍♀️

[@gsquared2394]

It’s common left coast practice to “partner up” and not get married. It’s feminist propaganda about maintaining your independence that actually is disadvantageous for most women.

[@achocot]

Germany offers a high quality of life with good salaries and has as many job opportunities as one could ask for. Nothing sketchy about that.

[@PatNeedhamUSA]

Lol 7000 years Graham are you investing in immortality startups

[@Dimitris_1987]

Pat Needham I believe that he talks about generational wealth. Which is a topic that I would like him to cover

[@bodydes]

"How could you betray me like that, Martha?"

[@ishaugh92]

bodydes WHY DID YOU SAY THAT NAME

[@devinallen7242]

I'm a simple guy. I see millennial money, I click

[@thekingno0012]

cooking + finance + Interview + graham + epic S*it = The Graham Stephan Show

[@ZoneDiem]

Always when I get tempted to buy something I think "what would Graham do?"

[@andrewjenson4691]

I wanna see someone react to your income/budget. *Or CNBC to do a video on you...*

[@brands2131]

And then have Graham react to it

[@taylorparsons5438]

Andrew Jenson he just did one recently with all his spending. It was pretty interesting!

[@johnruhroh4158]

$145 dollars for someone to slap you on the wrist basically SMH. Just get a dam excel spreadsheet and get er done!

[@manictiger]

Some people pay more to get slapped.

[@twincherry4958]

I'll charge her $50

[@berksarioz969]

If it saves her $500 a month, it's well spent. You don't even know how bad she was before to get in that credit card debt. But eventually, she should just get it.

[@lunarkid.]

I feel like Graham becomes a new meme lord, and i totally love it.

[@LennyYT]

The numbers don’t add up. She could knock that cc debt with that salary pretty quick.

[@allisonwaters716]

That's what I was thinking, too.

[@amybee1097]

Especially if she cut that food budget down to 200 and didn’t have the finance app. That would be almost 500 a month going to that debt.

[@thisuniquechica]

Yes, but then she’d have no emergency cash. Hopefully she built a reserve and then moved on to paying more money to the credit cards and student loans.

[@kmb3100]

I hope this goes viral. The reaction to the financial gym was everything. lol.

[@bosten56]

Was watching hulu, paused my show as soon as I saw the thumbnail. Millennial money never disappoints lol

[@katuni08]

I love it that you look stuff up in the middle of the show. As someone who often pauses the video to do my own research, it’s so nice to say “nah, Graham got it!”

[@mitchell.9632]

Thanks for your time Graham!

[@taylormichele1038]

Lol just watched this video last night and was thinking I can’t wait for Graham to react to this one lol!

[@Tation16]

That headphone warning was placed a little too late lol good thing I was on low volume.

[@BLS5281997]

Great video as always!

[@JazzyGreen578]

just wanna say that your videos have been a big help with getting myself back on track. so keep up the great work

[@matchachachoco8948]

"Always save the difference " I make $50k a year and I still spend the same as I was making $17k. All difference goes to my Roth IRA and money market savings account. I don't do the avocado toast, that helps.

[@ABeautifulHorizonTV]

"That's what we need to do..." Hahaha! I love how you use the word "we" when talking about someone else's budget. 😂👏👏👏

[@suicidalkatt]

Quick replay button for 9:43. Such gold. Love it!

[@austinthrowsstuff]

Thank you, you have been making my future feel more hopeful! You make things make so much sense

[@Chislevs]

Omg you on CNBC money that would be awesome :D And then a Millionaire Reacts on that one :D

[@gigdg]

By far the funniest really episode yet 😂😂 damn it Martha, you betrayed me!🤣🤣😭

[@ivandoinstuff]

Entertaining and informative!

[@TakeshiYoung]

This was one of the better ones! Very entertaining!

[@monsterhunterdude5448]

When they say millennial money at the end, it makes it sound so organized...

[@raysegura7444]

Debt is the worst feeling, but paying bills and getting that debt lower every year is a great feeling

[@cholo008]

Graham, I usually find all your videos entertaining/funny. But this one i laugh so so hard! Keep up the good work

[@KlaudsG]

Love watching your reactions to these videos!

[@NickPeitsch]

Graham’s new $0.20 cent iced coffee just reached NEXT LEVEL FRUGALITY

[@philrodrigues9270]

Graham your gonna have to relax your health insurance rates are going to raise and cost you more money 😂

[@DiamanteDarling]

Thank you for making these videos! Just found your channel and can't stop watching, your advice is invaluable! Inspired to save a penny a day for 7000 years ;)

[@640A]

This video is GOLD, you were on point today Graham.

[@NomNomGirl1]

React to glamours how women with different salaries spend their money. It would be interesting to see your take on their bad habits

[@AquaEternity]

nomnomgirl513 YES!!! That would be MORE interesting than Millennial Money (even though it’s already 🔥)

[@chocchipshortbread]

He has already reacted to a few Glamour videos before?

[@NomNomGirl1]

chocchipshortbread he reacted to the ones with credit cards not the one’s with women of different incomes

[@kelseya3246]

$2.50 at Starbucks? Who the hell is he kidding?

[@highpeaks3598]

I was waiting for this all day!!!

[@MoneyWithKazeem]

your sense of humor is so on point.

[@hysteria6593]

When you early but don't know what to say 😂

[@BRhymesss]

Ugh I wish I had $1860 a month for savings 😩 what a dream lol. gotta figure something out ASAP so that’s a reality.

[@lucaburman750]

Honestly the hype in the time between CNBC making a millennial money video and Graham reviewing it, is the highlight of my week

[@owenhido]

This is a good one thank u once again sir

[@manwithaplan6224]

Am i right in thinking the tittle if Graham went on would be Living on $2M a year from home office | Millennial Money ?

[@TheEntrepreneurChannel]

Amazing savings on the cream ;) 💰💰💰

[@brendanpospischil3871]

Also saves on the calories.

[@TaraWagner]

I LOVE You Need a Budget. It’s not free but it works so much more smoothly than Mint and allows you to include a credit card in the budget (if you use a card for points) and moves money from your budget to your card payment. Really sweet!

[@davidcurameng]

I couldn’t wait for this. I already hit the “Like” button at the beginning of the vid

[@InvalidPersistentName]

When are you going to introduce the lamp beside you. She out there in every video. 🤪🤔☺️

[@drewrams9661]

Millennial money... GET HYYPPEEEDD

[@TheTttooom]

This was just HILARIOUS !

[@roberteugenecarter]

Liked during the preroll ads because I know the 🔥 is coming

[@asianx7]

Pretty disappointed how NOT upset Graham got towards this video. She is only putting $1k towards $60k worth of debt. It would take 5 years to pay this off. This is assuming she keeps her job...which she is NOT. She’s moving to Germany with no job prospects and we all know post grad people don’t make sh*t. She should putting $3k or more a month towards debt and she can’t afford to move to Germany with no job.

[@berksarioz969]

How's her debt 60K? I only saw around 36K. Student loans aren't that bad, but she should straight up put $1000/month to credit card debt so that's closed in a year.

[@mariananevesl1023]

Please please please CNBC Make It needs to have Millennial Money with Graham, he’s open to do it!!

[@janebaker4912]

loved this! My favorite one now!

[@dict4shion]

No-one: Absolutely no-one: Graham: MARTHAAAAA!!!!!!

[@ABeautifulHorizonTV]

The headphone warning DURING the loud part. How fast is your reaction time, y'all? 😂😂😂

[@nyankosushi]

Can you react to some Money Diaries by Refinery 29? It's not a video series, but written journal form!

[@positive_vibes_2427]

The way this started LMFAOOOOO! THAT WAS DOPE!

[@JeannieTrinh]

YESSS!!! Thank you for mentioning YNAB (You Need A Budget). It's my preferred budgeting app and it's nice to hear it being mentioned once in awhile XD

[@yourhighness7854]

Graham didn't pick up the fact that She has a bianchi bicycle which could cost over $1000

[@johnadams7843]

Definitely bought with a credit card

[@rebeccashields9626]

If she’s using it instead of a car or paying for public transport it could be a good investment.

[@yourhighness7854]

@@winterwolf211 handmade by virgins in Italy

[@63hoursoffreedom47]

I bought a $150 bike from target that ive been riding to work every day for 3 years

[@imgonzalez]

Person: Which Millennial Money video are you making today? Graham: Yes

[@brucecollins7424]

That was my first thought, I actually thought you were drinking soda today. LOL ! I still smashed that like button!

[@DejanMac]

this channel about to blow up with this series

[@katarzynaburzynska8496]

I just come here for the "WHYYYYY?!"

[@minmaxmedia]

just start a company called the "Graham Stephan REKT Financial Planning Service" (Real Estate, Koffee, and Toast) where, on a daily basis, you just call up members who's cell phone GPS location shows them at Starbucks or Burning Man, and yell at them to turn around and go back home.

[@arielleparkerfargnoli4452]

@Alecium I’d consider paying $85/ mo for that haha but then Graham’s service would give a credit line of $85/mo -so he couldn’t yell at you for wasting money 🥑😅😂

[@archerlowe9062]

Graham you’re a the best ! Please come out with more merch

[@speteydog2260]

That coffee stuff is funny. You are the man! 😁👍🏻🌻

[@SkinnyAnimus]

I have a lot of French Vanilla creamer left. You want one?

[@dispassionateobserver]

2:53 Humble brag about his $163,000 a month, lol.

[@BoydenJason]

​@Brandon De Oca Whats wrong with you?

[@tpi7539]

It was obviously a joke.

[@andreasrasmussen6362]

Not so humble hehe

[@dispassionateobserver]

@Brandon De Oca - Dude?

[@269Tanya]

I have been waiting for this

[@jaoso1019]

Here during quarantine binging these videos like crazy haha. Love you Graham! These videos have motivated me to get my sh*t together.

[@Coopdog181]

he is becoming self aware!

[@StannisBaratheonOTK]

17:35 "I will get over it" Next video: Graham ambushes Millennial Money woman, nearly getting run over by her scooter and doesn't leave her alone until she fires her financial planner and opens a Roth IRA.

[@IReapZz95]

YOUR FINANCIAL GYM REACTION AND PHONE CALL THING WAS SO FREAKING FUNNYY!!!!!!

[@NatoshiaOstrander]

I get so geeked when I see cnbc upload bc it means I get 2 videos theirs and then your video in the next couple days

[@titansrealm1]

The 17 thumbs down are the financial gym employees thinking we been caught.

[@RSCats]

You can see the joy on Graham's face as soon as he sees the amount of money she spends on food & drinks each month 3:09

[@anthonymejia835]

Shooot forgot to hit bell almost missed this gem of a video

[@blackribbongirl]

The start of this when Graham is talking about saving 1 cent on coffee creamer seems like it should be on the "Ultimate Cheapsakes" show! Love it!