‪@RyanSerhant‬

[@CNBCMakeIt]

Set a reminder for the premiere on August 13 at 12p ET and subscribe to CNBC Make It, Ryan Serhant, and Million Dollar Listing New York.

[@RyanSerhant]

Thanks for having me! ❤️❤️❤️

[@CNBCMakeIt]

​@Ryan Serhant thanks for stopping by! If we sell 30 Rock we'll consider you for the listing.

[@kingstonstreet3726]

Let start by saying Ryan is fione 🥰😍

[@randolfvenderbildt7254]

Ryan says he lives "Cheaply". What a cheap shot! Wishes he could organise his life like that. Ryan is a slave to the dollar.

[@amarbaha]

Todd, as a 50 year old who has survived through 3 recession cycles, you are doing the RIGHT thing! Don't EVER listen to anyone who tells you to SPEND money! Sock away the money and life the lifestyle YOU and your wife want. Hard times will inevitably come and you will have your cushion and freedom. You are an inspiration even to a guy who has made and lost and now made millions, but it came at a price to my family and marriage. All the money in the world is not worth that instability and pain to my wife and family. Money is NOT everything but financial security IS for a family. You are killing it Todd.

[@meena8669]

Finally someone who is doing this review who believes in spending some of your hard-earned money. I love Ryan Serhant!!! It’s about balance. Save as much as possible but be willing to spend sometimes on important experiences.

[@leoprg5330]

Also, one very important aspect: that guy grew up being poor himself so he needs to realize, that if he spends some of his money he let others less lucky earn them..

[@codyjackson7579]

I died when he said, "Is that your only jacket, bro?"

[@ebrimababajarjusey4208]

Ryan. There is only one person that is more frugal than Todd. And you've met him. I present to you: Graham Stephan

[@ath6635]

I heard his monthly food spend is -$30

[@ebrimababajarjusey4208]

@@ath6635 geez, it went up from last time

[@johnlee2238]

Lol get off his fdik

[@dangaofficial]

I am more frugal than him. Just havnt shared my story yet.

[@greysimpson7112]

Very insightful updates👍📉 Well i will also say this here... Even as the economy, cryptocurrency market including bitcoin seems to be a bit unbalanced at the moment, i still find this period so useful as it is a very good time to buy and find a working strategy/daily signals to accumulate and expand your source of income, which will be well backed up with guidance provided by a pro-trader Expert Alexia Clayton . What you need now is a strategy and a good professional to build a very strong investment portfolio with the little you have now. Quite a number of investment traders including newbies may be scared about investing due to this pullback in the market which I see as lack of experience and research about what strategy to invest with. Due to my detailed research, I was able to know about Alexia Clayton's investment strategy (price action) and portfolio management which is so accurate and profitable to me ever since the last bear market, during my first month I was able to increase and grow my portfolio from $15,000 to $48,000 with her investment strategy . However, I still see this period as a very good investment period with the guidance of my expert. You can reach Alexia Clayton via WhatsApp:> or her work mail; for inquiries into profitable investment systems which will help you a lot in securing financial freedom.

[@TA-lc2hi]

There's no way this guy only spends $25 a month on food

[@michellepaul8514]

I know I was thinking that too. Maybe his wife buys all of their food for them and that’s why he only spends $25.

[@yasseressa1696]

If you watch the original video, he goes on some sort of shopping firm to pose at their establishment as a regular costumer, buy the product or service (food) then report on it on an online platform then he get reimbursement for what he ate. and that how he eat for free

[@KaylaMarie_]

He gets a lot of free food by secret shopping.

[@realSimoneCherie]

He’s secret shopping, but that must also means there’s no groceries, and they don’t need a fridge, pots or pans🤔

[@intothebeyond8763]

That's like 3 boxes of cereal in NYC.. And some milk.

[@BillyBadnewz]

This is the funniest reaction video lol "Is that your only jacket, bro?"

[@LookOutside...]

guy was wearing a different jacket 1 second after Ryan said that.

[@vikrantc.358]

Graham should react to this! Graham reacting to Ryan reacting to this guy.

[@GrahamStephan]

We'll see ;)

[@chasepinkerton4294]

@@GrahamStephan Pls Do!

[@RyanSerhant]

Graham Stephan Hi Graham... miss you ❤️

[@julianolsen]

@@GrahamStephan wow you respond so quickly to the comments. Good job and can't wait for your next video.

[@johnlee2238]

Lol stop riding him

[@krisw.5025]

Ryan’s face and response to them sharing a 2009 Ford Focus!!!😂😂😂 I AGREE Ryan!

[@tasneemahmed5821]

7:40 you see, there comes the line between frugality and cheapness. What's the point of saving all that up if you can't spend it a little. Live a little!! There's no guarantee that you'll even live till next morning. Saving and budgeting are crucial parts of the pathway to financial freedom. However, if you refuse to indulge in the basic pleasures of life then what's the point?? You'll be sitting there 75 years old with tens and maybe even hundreds of millions of dollars but you can't walk properly anymore, your teeth don't chew food as well as they once did, all of that money would go to your kids if you had any.

[@gavip24]

I understand that the cheap part is a bit too much. I know it is for me. But u talk like hes 55 and doing this forever. Hes not even 30. Plenty of life ahead

[@rakakalala]

Gabriela Ariza it’s a lifestyle, though. They’re not going to suddenly flip a switch and start enjoying their money. Plus, he may only be 27, but tomorrow is not promised.

[@juvibro9913]

rakakalala he finds joy in doing it. Successful people become rich because they love what they do. You are assuming way to much. If he was miserable doing this, I doubt he would have come this far. People without passion stay broke. If you understood how he works with the credit cards, which I do it’s fascinating. I literally have gotten $760 tires for $150 with credit cards with 6 months zero interest to pay that little amount off. I see a little of him in me, it’s fun learning about life hacks. You can always pull off the rich persona without spending like one if you know how to get expensive goods for cheap with loop holes.

[@rakakalala]

Juvibro99 I didn’t assume anything, I know people like him. And I definitely did not say he was miserable. It’s definitely a lifestyle, which you seem to confirm with your own comment...

[@juvibro9913]

@@rakakalala I meant to tag the OG post not you.

[@flord88]

Finally a reaction I can relate to 😂I'm also a business owner and understand saving and make sure my bills are no more than 20% of my monthly income but you can't just spend none of it. You need to enjoy yourself a little and gets things that bring you joy. 2009 shared ford is not the one. At that point you're just collecting money for the sake of it.

[@deepeshchetwani6250]

Yes life is short.... Sometimes we need to enjoy it too

[@TruthShallPrevail4]

You need to enjoy it all the time.

[@SeeRGeneration]

I agree, im all for investing but bro, enjoy a little

[@mattthebeast9666]

For some people, investing is much more fun than spending money.

[@SeeRGeneration]

@@mattthebeast9666 agreed much of what we call enjoyment is based on what other people think of us and materialism. There is a great joy that comes from building something you know generations after will be able to enjoy.

[@ron9079]

Ryan said that he's never met someone with the same ability to save money as todd which is strange SINCE HE MET GRAHAM AND DID A VIDEO WITH HIM!

[@RyanSerhant]

Trueeee

[@Anouyz]

@@RyanSerhant @Rounak Anand Although even graham had a lotus, and is currently constructing a home. Also Equinox gym he picks a few things important to him to spend money on, I think thats more what ryan was talking about

[@maxheithmar334]

can we get this guy's $25 food breakdown lol

[@AmanKumar-nz5kl]

probably 1$ pizza for 25 days. Dude We also should fast a day a week 😂

[@Mikita1971]

Graham Stephen should get some sort of residual

[@GrahamStephan]

I don't mind getting paid in coffee

[@amde8554]

Graham Stephan or avocado toast! 🤣

[@blijbunny]

@@GrahamStephan They should pay you out in starbucks giftcards, just so you can get yourself a 'free' coffee while quietly calculating the opportunity costs in the back of your head every time you go

[@henrycollins2478]

But he didn’t say wait for it

[@14Aaren14]

@@GrahamStephan But dear God, don't let the coffee cost more than .2 cents

[@milvache]

Ryan Serhant should do more reactions on Millenial Money

[@nileshdhanani6649]

Once you reach that point where you’re making 50k a month, you can atleast keep 10% for expenses. Why be so frugal? You only live once!!

[@gitgit4]

Maybe being frugal is what makes him happy

[@nickm4974]

Lots of folks Get off on saving a dollar.

[@jordanismm]

he lives in seattle not new york lol ofc hes frugal

[@bingbing3464]

That is how many millenials goes broke. Because the moment they think they can afford something, they bought it and never anticipate the cost of commitments. Especially when something happens.

[@helenbell1316]

I agree I know it’s good to save some. But if you budget good there’s nothing wrong with spoiling yourself.

[@animegasm6289]

bruh I love what Ryan said, yes be frugal and save but dont forget to live. Get that nice car if you want it and can afford it, life is short. Its about balance

[@flisfinance5680]

Oh my gosh!!! I hope this is a regular thing! Ryan killed it!

[@jasperdilincoln2341]

I personally see nothing wrong with him driving a 2009 Ford Focus. But I do agree with Ryan you do need to live a little. Not necessarily own a Lamborghini, but he makes enough to get himself a Mercedes, Lexus etc. He and his wife doesn't have to share a car. He could pay cash for a $10k or below Camry/Accord and both could share the Mercedes. And if he needed to look at properties or see his tenants in his Focus. My grandfather used to do when I was a kid. He was a landlord, he'd pick up the rent in his '78 Oldsmobile Delta 88 and drive in his new '86 Cadillac Coupe Deville when he didn't have to see his tenants😆

[@SeeRGeneration]

I agree im all for saving but if you have the cash, pay for a car and use it my friend

[@TheThirdoftheFifth]

I feel like this guy finds joy in challenging himself to spend less money

[@maestroadam]

Lol “he’s wearing the same jean jacket this entire video” hahaha

[@mhunzi]

The commentary! "With your $12 dollar wedding ring" lol hilarious lol

[@BagsNBaguettes_327]

I’m sorry but everyone makes real estate income look easy BUT it has a lot of cons. Time and money. Finding the “right” tenant and ensuring they don’t destroy your property. If they did, lots of legal fees and annoyances. Most of the time, you’ll have to update items in your property after tenants leave. I don’t think it’s as lucrative as some make it to be!

[@gavip24]

In part I agree from my experience. Before being a landlord I was like I want 20 properties. Now I just want 2 rentals max. Its too much hassle and for me I don’t enjoy it as much as I enjoy my career. And im saying this having amazing past tenants. But there is just so much to it.

[@cryptoflippodcast]

*Graham Stephen should just buy this channel lol* 👍👍

[@ten10zinG]

$25 a month on food??? Make it make sense.

[@VashtiPerry]

Reimbursement

[@johnlee2238]

@@VashtiPerry elaborate you fk

[@KaylaMarie_]

@@johnlee2238 he and his wife are secrete shoppers so he goes tona restaurant buys and eat food and then leaves a review of that restaurant. After that they get reimbursed.

[@johnlee2238]

@@KaylaMarie_ how

[@KaylaMarie_]

@@johnlee2238 it's a side hustle. There are companies who will pay you to shop somewhere or eat somewhere for the purpose of reviewing the service or food.

[@alona724]

I love the honesty from Ryan. The cost of time should be a huge factor for everyone to consider.

[@JDenim88]

Ryan is hilarious! Is that your only jacket bro! LMAO, I'm Dead. LOL. This was inspiring.

[@SeeRGeneration]

That cracked me up

[@CommandoMaster]

The Seattle guy might be making 9% or 40% commission, but the sales are only a few hundred bucks. Whereas Ryan is making 2-3% commission on multi-million dollar NYC apartments/townhouses. Big difference in the take home income. Ryan is obviously making more money.

[@jdkoz98]

Ryan owns a huge real estate firm Lmaoo obviously he makes more than a side hustle real estate investor

[@infamousnachi]

He’ll never buy that Tesla Roadster. Someone this frugal will have a heart attack before paying that much for a car.

[@matviyk3066]

If it depreciates a bunch then yes, but being frugal and buying items that hold value alright is not a big deal

[@matviyk3066]

I’m frugal but sports cars make a lot of sense to own if you like them.

[@emilia6067]

Ryan is really likeable and sympathetic

[@DrAdnan]

And here I am making -$60,000 a year in med school 😂

[@ryanjohnson5882]

It'll pay off one day bro

[@animerocks2468]

@@ryanjohnson5882 Yeah, when he's 50.

[@sweethomechicago]

You'll be on the other side soon my friend

[@aperture0]

@@animerocks2468 31. And by 35 he'll make north of 400k

[@aperture0]

@@animerocks2468 actually 500k

[@willkirkoff1333]

Millenial money?! That's a rich mans cash cheque ! I really wish I had that.

[@slickrick2420]

Is it just me or is Ryan lowkey roasting him?😂

[@gracestallman2379]

Welp, I've watched Ryan grow up on TV. And now he has those beautiful grays!

[@Bass_Fishing_101]

He grayed early

[@dbw31]

Me and my wife gonna be on one of these videos. Give it 3 more years

[@realtalktina]

9% to 40% wow this real estate agent is impressed!!! Ryan made some good points!! The wedding ring would have to be an investment for me!!

[@Rhawn246]

I love Ryan for these reaction videos! Have him on more often!

[@commissionair9190]

"nothing too crazy, making 6 figures" ha you funny

[@thebigchannel]

Ryan's V neck tee has seen better days lol

[@MrH786]

The marriage part was hilarious.

[@deyo1013]

I spend about grand a month on groceries for three people in my house - what are they buying for $25 that sustains them for a month??? Something is not right here. This would be near impossible in Toronto. These numbers cant be completely accurate.

[@littlebrit]

His success is his wife who is so undemanding. But I can't understand how he makes 12,500 a month selling insurance? That is more than someone who is employed mid level at major tech. Is he getting part of those monthly fees people are paying?

[@yonathanseleshi]

He said he's getting 40% commission fees somehow.

[@nileshdhanani6649]

littlebrit yea he gets 40% of the premiums paid by the customer for the first year, which is bonkers btw.

[@nationalcarshippinginc645]

kzbin.info/www/bejne/pnWxgGSwjt2Bg9U

[@crescentprincekronos2518]

Exactly

[@gus4198]

“Good job not too too crazy” Me:okay I can do this “Making around 6 figures a year” Me:😮

[@richardking2422]

Join carpenters/plumbers/hvac union, finish 4 yr apprenticeship and during it study avenues of investing, finance management, economics on your own/under the knowledge of experienced people. Maybe get an MBA, an online project management degree. Live frugally during this time and build your credit using it for necessities and paying it off on time... Then with money you've saved put money down on a property to get you started, atleast 25%. To cut cost(s) and improve the property purchase a fixer upper after getting it inspected. Use your skills to also cut costs and subcontract work to trusted professionals for what you dont know. Rent/sell and overtime just repeat and live as you did in the beginning. All profits reinvested. Like Ryan said dont be like this guy and go from taking off the top 9% to 40% of your clients payment which they think is going towards the service while in reality you're ripping people off.

[@anthonyraymundo9102]

ok but 2% off some verrryyyy expensive houses

[@lareina9071]

Ryan's face when he saw them share that Ford Focus lol!!!!

[@pearlivory3483]

I'm with you. I used to do secret shopping but now that I make over six figures, I really don't have the time for the secret shopping lol for a free meal.

[@realSimoneCherie]

Ryan heard about those insurance commissions and went from feeling jealous to injustice 😭

[@nessamae7141]

*whispers* “is that your only jacket, bro?”

[@deborahauguste2166]

😭😭😭

[@CodySteckRealEstateVideos]

Hard to say you live on such a large amount of money, when you also have huge expenses. A bit misleading on the approach!

[@mikesmith7579]

What, the mortgage? I believe they are just including the loan pay down which I think is fair to include.

[@erikab5848]

Hahah, "is that your only jacket?"

[@DarrenKriz]

Why has Graham Stephan not reacted to this!?

[@afterdarkprod3489]

Imagine churning credit cards for $200 when you have a net worth of 4.5 million

[@MrABaker]

Dude must have his own garden with that grocery bill

[@SeeRGeneration]

ramen noodles all day i guess lol

[@athenaashleybates4363]

i love Ryan's reactions and responses lol!!

[@IAmPeterCook]

7:53 Is that your only jacket, bro? 😂

[@suprafan246]

Ryan you made the best points in this video.

[@carolinapaez2309]

Absolutely perfect comments. Smart guy.

[@makemoneysecrets6182]

Graham you need to react to this!

[@AmanKumar-nz5kl]

Dude is trynna lead a Legacy of living frugally

[@jjjohnston545]

2-3% commission on homes that are going for millions of dollars isn’t the same as selling insurance

[@Ariweber]

The insurance commission is not as Ryan says it is. This guys probably works in an insurance brokerage, not a carrier. And brokerage firms make between 10-15 percent commission of the premium. Of that 10-15% this guys gets 40%. So that’s 4-7% commission of the total premium.

[@krishafyme]

At least you have to spend money to buy "healthy food" , I mean health is a priority, I m frugal too but this is something else!! I have BIG wedding plans lol

[@tracy_cakkes]

I love this guy I’ll have to check out the show I agree with everything he said What’s the point in scrounging every penny your whole life if you can’t live a little?

[@thewolfofmainstreet-seangu3039]

A reaction video to Millennial Money AND asking us to smash the like button?!?!?! Sure, Ryan and Graham may be on friendly terms now, but this could turn into an east coast/west coast beef like Tupac and Biggie if Serhant starts posting 20-cent iced coffee videos. 😂

[@camiiii31]

yesssss i love ryan serhant!!!! hes such a role model, and has a great mindset to be successful but also enjoy it!!

[@MrJrobb182]

There is no way he spends $25 a month on food. I call BS

[@DarrenKriz]

Wow I want to see Ryan Serhant react to Graham Stephan hahaha

[@TruthSayer808]

Hey Todd I heard you on BiggerPockets!! Way to go!

[@batmunkhn6666]

Ryan roasting the dude 😂😂😂

[@financiallift6185]

Just commenting to see if Graham will be nice enough to reply to my comment or not

[@RyanSerhant]

Graham! When are you coming to NYC!?

[@deankeve]

They definitely got Ryan to react to this in order to Stop Graham getting in on this vid

[@SeeRGeneration]

following what works i guess lol

[@vedanshmanral4062]

I just wanna see Graham do a review, Thats life

[@johnlee2238]

Stop riding him lol

[@robsonbobson7839]

Lol, those rubber wedding bands made for men working trades where a steel ring costs em a finger if they get hung up, good to see the skint are using it too lol

[@EvanACMedia]

Lmao imitation (Graham) is the greatest form of flattery

[@xrayded5037]

I make 150k a month I don’t need to be on tv show lmao 😂

[@philipprudolf8302]

If you were, you wouldn’t post comments on KZbin..

[@1.5Koreans0.5American]

I wish there was a love button! ❤

[@RyanSerhant]

The love button is now the yellow circle with my face. 😉 ❤️

[@VerStarr]

dang! way to go TODD!!! I wonder if anyone will react to Millennial Mortgage one day LOL

[@stephenchew1665]

40% commission? so this is why US health insurance sucks

[@Italymich]

2009 Ford Focus? No way man, that's unacceptable

[@financialnews9151]

Have my insurance, real estate, and CPA (in progress) license. Now all I need is attorney and i'm good lol

[@tq4142]

His 615k income doesn't add up. Is he including rental income which I'm sure he is servicing his mortgages with? Unless he flips properties?

[@dchildress8696]

50k salary and 9% commission as a cold caller. Man how do I find an easy job like that

[@joewilliams-nelson5594]

Now, I only want Ryan to do these videos, only Ryan from now on.

[@max8038]

I'm with Ryan. Make a fortune, but live a little. Life is short.

[@playwithmods]

Oh, man, here comes @Graham Stephan with the react to the reaction lol

[@dexterspeights3484]

This guy started as a insurance agent and saved his money to become a insurance broker which he has many agents working him - commission based job or business pays more than a hourly job if you sell something everybody on earth needs!

[@ChristianHandy]

Just smiling the whole video, this guy is so cool!

[@johnlee2238]

Title makes it sound like he makes $615k profit...

[@kristentaylorkennedy1313]

This is greatness. Ryan Serhant for the win.

[@keeran31]

Ahahahah great commentary Ryan. Honest and really kind observations.

[@long_fellow]

Gross Rent is not Net Income

[@fruitgums]

Monthly food expense at $25? What, how? I wanna eat three meals a day for less than a buck!

[@jodycochrane888]

It's called mystery shopping. It's cool, but you have to find the right website for your area.

[@Ava_sava]

Am I tripping or should Graham be getting some credit for this video. For example: "thanks to Graham for inspiring the entire style of this reaction video"

[@pearlivory3483]

I AGREE 100%

[@mkite715]

Dude, the credit card is the most aggressive marketed product in the history of the world. They spend hundreds of millions of dollars marketing you a credit card. THEY DO NOT LOSE MONEY. You are not beating up on the credit card industry.

[@heidifritz3053]

Loved Ryan's analysis!

[@huckfin1598]

“CNBC really vets you” And then they had dan billzarian on (with Kevin O’Leary) at his house he rented so they changed the title Great job vetting, CNBC

[@razeilednavarro]

Ryan is hilarious 💀

[@farhanabdulhamid4214]

Ok good TNX brother

[@gotjnco]

I just noticed that Todd has the Olive Garden Unlimited Pasta Card @9:28

[@ca8824]

i think dude isnt telling us something here. i think alot of the reason theyre so committed to punishingly tight-fisted living is because their business model puts them in a highly-leveraged position. so while they have this huge number as their income, thats not all profit like it would be from a job. the vehicles that create that income could have them in a lot of debt and after you factor in the costs that come with renting housing, they may or may not make a profit at all. just a possible theory.

[@fwefhwe4232]

exactly this. He mentions 50k income a month, but doesn't mention the outgoing bank payments.