We Make $227K A Year - And Budget $19K A Month

[@CNBCMakeIt]

What's your budget breakdown? We're looking for stories from all ages, not just millennials! Share your story with us for a chance to be featured in a future installment of Millennial Money: ​cnb.cx/32TYZ2K​

[@gregwatkins1332]

Would love to be featured!

[@tonyj33]

Could you break down the math on the net income per month?

[@r.canales9461]

The biggest takeaways that make this couple successful, which few have, is studying really hard and smarts (thus earning some scholarships) but much more importantly is having wealthy parents. She went to 3 super expensive private schools: Northwestern, Boston U and Duke. That’s easily $400K in student loan debt for most people, yet she walked away with no debt. That’s the real miracle here. She’s fortunate to have wealthy parents.

[@sri_creations9757]

Yes

[@AbbyOJ111]

Once time a friend of mine (we were around 30 at the time) mentioned she had $100k in savings. I was stunned. She was like “you don’t have $100k saved yet???!” About 5min into the convo I find out her parents gave her the $100k after years of saving/investing on her behalf. Very common in her culture apparently. I’m like yeah then no wonder I don’t have as much, I’ve had to earn everything I have!😂 I wish everyone would be honest about the help they get from family. It’s unrealistic for the rest of us to compare ourselves until we know that information.

[@missalicesmiles]

It depends how much you make. If you work in tech, it should be easy to save 100k or multiples of this by 30

[@ItIsFreshCut]

@@missalicesmilesnot true. I make more money than the higher earner of the two and I’m younger and still there is no way on earth I’ll have 800k saved, by the time I’m 30. He’s 30 and his parents are paying for his MBA?! They are in a great place and thriving but those circumstances not realistic for 95% of the population.

[@missalicesmiles]

@@ItIsFreshCut you don't know how family situation. Maybe his parents have a lot of money and it's not like they can take their money to their grave. In that case, why not help their kids out, especially if it's something meaningful? Most people I know are self made and those who are privileged could still afford to pay for things their parents offer to pay for.

[@ItIsFreshCut]

@@missalicesmilesyou’re changing topics here. You said if you work in tech it should be easy to have savings in 400k+ range by 30. I said not without some help. I didn’t say you shouldn’t help your kids. I didn’t say the parents were wrong. I said most people can’t relate and this situation is extremely unrealistic for most people.

[@missalicesmiles]

@@ItIsFreshCut it's not an unrelatable situation in tech so i don't think you work in tech. Multiples could be something as low as 300k needed for a down payment. Again, please note the operative word here is tech where everyone's pay starts at six figures I did it and so did many people I know

[@charterinsider576]

“Spent” shouldn’t include the money going into savings

[@Happysoul_3]

They are more focused on creating a clickbait title😂

[@uwone7778]

Thats how you save. You consider money in savings gone.

[@triciamatsis]

If you do a zero based budget then it does count

[@RockyMountainGardener]

I don't think that people are watching the video. They're saving over 7k a month and have over 885k in assets at 30! Extremely impressive. All while having two masters degrees and MBA. I worked since I was 23 and earned over 90k in my twenties, saved and paid off debt aggressively, took a year off to travel on a dirt bag budget, and my net worth at 30 was only 250k. They've done really, really well. I feel though they must have had some sort of windfall for this high of a networth at their age.

[@twista763]

Their parents are at least helping with college, if not other things. I’d guess they had investments handed down from parents and relatives and a windfall from their wedding.

[@akirebara]

they have great parents, dont think they had to worry about paying student loans. even the guy's parents are paying for his MBA, even if he can pay it off himself easily with that kind of salary. if you get out of college and not have to worry about paying off debt, it's a big leg-up to folks that had to take in debt to be able to stay in school. they immediately have money in their 401k, whereas most folks will have to delay it a year or two to payoff the student loans and then aggressively max it out in the later years in their career. It's exactly my experience, at least (and my total student loan debt was only $26K because i went to community college+transfer to uni).

[@alona724]

First, hats off to you! That’s an incredible accomplishment. Second, they mention in the footnotes that their parents paid for both their MBAs (which leads me to believe they probably paid for undergrad as well). When your education is paid for so that you enter higher paying industries AND you’re married to another high earner, it is very realistic to accomplish that goal. But, I don’t think acknowledging that takes anything away from their hard work. It’s just the truth. Parents (and each other) are a big part of their story.

[@YoshiV819]

Agreed, the next 1.5 million include a lot of time and hard work, take if from someone who's going on 50!

[@Tamarind525]

Bitcoin or what?

[@briankitchen9764]

I would like to see Millennial Money revamp the way that they talk about the budgets to account for taxes, to make clear that saving or investing is not "spending," and to aggregate multiple months of data. This couple is obviously doing well for themselves, but September 2023 can't be an average month for them. There's just no way that a couple grossing $227k would be able to net down $19k/month. There would be no room for taxes in that math, which in a city like Chicago takes probably 40% of their gross income.

[@anthonybrown06]

Very well said

[@lashaonda]

I was thinking the same thing

[@ndwolfwood09]

You're right, no tax is involved... something doesn't add up! Also netting 19K/mon x 12 mon = 228K/year, the math doesn't add up either! lol

[@TinaLeder]

Such a good point. Otherwise, we're not getting the real picture.

[@RealSerie26]

The math ain’t mathing. Their budget is over 50% higher than their take home pay.

[@kmary5984]

The numbers presented here really don’t add up in terms of accounting for taxes or how the couple was able to accumulate their net worth in less than eight years since they attended graduate school.

[@haySamMartin92]

Of course the numbers don’t add up. Stop believing everything you see online.

[@pn4640]

Parents gifted them 700K on their wedding day lol

[@iliaspc]

These videos just want to make you feel bad lol.

[@boostftw123]

agreed. i make around 230k and only bring home 10k net. im not sure how they bring home 19k lol

[@josephdantes1605]

@@boostftw123 earning lots as a single person frankly sucks. uncle sam takes a lot. they're in a better spot (from a tax perspective) since they're married.

[@johnhornbarger6192]

I just feel like it’s kinda weird that literally no one in my age demographic (25-35) seems to ever have kids in these videos. Like I can’t even think of one video

[@redsnflr]

Such a childish & narcissistic generation (I'm 33 - no kids but male so not SOS yet, want to start in next 2 years)

[@Anyguy4321]

@@redsnflr - Ironic. It's the childish and narcissistic people that have tons of kids even they have not enough income to give them a good life and afford things like college.

[@KFontLab]

@@Anyguy4321💯… it absolutely makes no sense to have babies to simply say you have them. That has obviously happened enough. To call someone selfish for not having children or not have them yet is so silly because everyone’s journey to parenthood will be very different. It is 100% if a couple doesn’t want children.

[@jorasparents]

I admire the younger generation for not bowing to convention and having kids just because "it's what to do." What's selfish is having children when you're not ready or not sure you really want to be a parent, simply because "other people" think it's the right thing to do.

[@ianbuick8946]

Yes, live together and a dog/cat. Why work and have a lot of money but you can't keep any when you die? Modern people think they can somehow shelter themselves from existential insecurity? It take 1 bad accident, major health issue then you will go homeless without any chance to recover. Not that i wish harm on anybody but to think you have everything under control is a delusional of reality. Job, family, health, physical, mental and spiritual balance is importance, don't skew too much on one extreme. People with extreme don't tend to do well in long run, no matter how rich and famous they are (Hollywood phonies, ring a bell?) To the people think they need to make "enough" (yeah, whatever that *moving goal* is) to have kid is not a parent. Does poor people by your standard doesn't deserve children? Do you think a child needs "good life" (the moment you conjure up an idea of good life is, you haven't seen people with less) and "afford college"? What else? Trust fund set up when they're 18? Children need parents (rich or poor doesn't matter) to be there and love them.

[@NeoteriX]

@CNBC Make it The headline "Spend $19K A Month" is disingenuous as it implies that the family irresponsibly wastes $19K in purchases every month, and we only later find that that figure includes $7,256 (or 39%) of "savings and investments" which is *not* spending, it's "saving,"

[@OrangeArdmore]

Actually the headline was BUDGET $19k a month. Budgeting doesn't mean spending. I will also say there is no way this couple spends $19k a month. They should be dripping in lux labels if that was the case. Most of their money goes towards food which is odd.

[@BlueStreak706]

It said budget of $19k bro, it did not say spending in a wasteful way. I also budget my take-home as in paying myself first into investments. Big difference in budget vs expense.

[@eb59766]

@@OrangeArdmore Trrrruuuue, I was looking at the comments wondering if it changed or something. Budgeting 19K is right on target then. That includes budget for savings or any taxes that need to be paid.

[@lukerider479]

@@eb59766yeah but their budget equaled their income and included no taxes. Unless they just don’t pay any this video was a lie because they have a lot of taxes left to pay or “budget”.

[@johnnytran21]

Finally a video that isn’t about someone promoting their product/brand.

[@EAAAA1505]

These videos always show high earners. They should show more relatable situations. People who earn five figures and singles. Most people are not high earners.

[@PremSteve-yg4de]

Recently, I've been pondering retirement, unsure if my 401(k) and IRA will provide a stable future. I've also put $800K into the stock market, encountering fluctuations with limited gains. i need an approach that will align with my risk tolerance and financial goals

[@yolanderiche7476]

Using a 401(k) or IRA is a valuable strategy for retirement planning, providing potential savings growth and tax advantages. While the stock market is promising, expert guidance is essential for effective portfolio management

[@bernisejedeon5888]

Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2022

[@fresnaygermain8180]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

[@bernisejedeon5888]

’Sharon Marissa Wolfe’ is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@edelineguillet2121]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip.

[@omichaelnato5388]

Yeah having parents pay for 2+ degrees changes everything lol. Good for their parents, they did well and helped them out ! They seem humble honestly (at least the female lol I didn’t hear the guy talk)

[@sql8758]

Too much 'I don't know', 'see where life takes us', 'open to options', plus the parents' paying off the tution just makes the video sketchy.

[@BINDERANDREAULRIKE]

I sold an apartment in Rochester and made about $250K. I was frustrated when I only earned $171 in interest from a regular savings account. After doing some research, I was advised to invest in stocks. Are these stocks a good point to start from?

[@WilliamsTyler5]

While the stock market is promising and can give good ROI, expert guidance is essential for effective portfolio management so you don't get burnt out in the market as it is very volatile.

[@fawnriverpuppyservices76]

I opened an online high-yield savings account with 5.12863% interest compounded daily, expecting to get $2,500 in interest on my initial $50,000 at the end of the month. Instead, I only received $420. When I inquired, I was told the interest is calculated daily, which was not clearly stated on the website. My partner advised me to divert into stocks through an advisor, and in just six months, I achieved over 80% capital growth, excluding dividends. Highly recommended!

[@EdwardsLluka]

Pls how can i meet this advisor? i want someone to help me invest my divorce settlement, It's just being laying around in the bank without much interest.

[@fawnriverpuppyservices76]

Melissa Jean Talingdan is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good

[@fawnriverpuppyservices76]

Melissa Jean Talingdan is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good

[@patrickpaterson8785]

How are they budgeting for $19k a month when their gross income is $227k, especially in a place like Chicago? My fiance and I earn about $25k more than they do living in New Hampshire and we only net around $15k a month.

[@pinballrick6031]

I don't approve of this couples methods or views, but over $7k of that $19k goes towards investments and savings and so that $7k is flexible. I don't believe they ever said whether that $227k was net or gross.

[@eb59766]

Budgeting can include the taxes you have to pay, and all the things you save for, or have deducted from your check.

[@jlivb]

For one thing, you know that because that is how much you make after taxes. My husband and I bring in over 12k a month and we live in Georgia and that is after taxes.

[@patrickpaterson8785]

@@jlivb Is this a real comment? What point are you even trying to make?

[@jlivb]

@@patrickpaterson8785 what do you mean if it’s a real comment? I commented literally.

[@Originormality]

I'm really surprised about the rent amount! I'm in chicago and housing is very affordable - I live in a 2bed downtown at 2.6k including utilities, and my friends who live further outside the loop pay as low as $1400! I hope they have great amenities :)

[@empirestate8791]

They probably live in a luxury downtown building. You could easily find a 2-bedroom for a little over $2k right near a subway stop.

[@RealSerie26]

It’s called financial illiteracy. They think about their rent as a % of their income (15-20%). With that income, they should be thinking in terms of actual value. Anything over $1,500 is excessive.

[@TheNana622]

Yeah they rent kinda expensive lol

[@TheBohodiva]

West loop probably

[@jonathanbaker2789]

they live in a fancy high rise in river west, I live near there

[@AbbyOJ111]

I don’t think a post-nup is for if someone dies… just divorce. Weird to mention that because wouldn’t all of their assets go to the surviving spouse if (God forbid) that happened?

[@alona724]

Wow did they relate it to the death of a spouse? I missed that part. Def not the purpose. It’s for folks who didn’t get the prenup but want something in place after marriage. Honestly, I heard from a divorce attorney they are unenforceable… but maybe it’s different in each state.

[@TheBohodiva]

The thing is, maybe they don’t want it to. A post nup would allow them to allocate where or however. Since we all realized the parents have given them money, maybe that’s a condition. Some couples do this - allocate money to parents or siblings. They don’t have children yet so maybe the thinking is that there are others to share with than the spouse.

[@loujon191]

He should run now. She is all brain and no emotion

[@kevinholden-ip5fz]

$885k in savings!!! Either inherited money or one or both of them got stock grants/options in a tech company. Nobody can save that much from just eating beans and rice and saving!

[@bgr007]

You can if your max out 401 k, invest in Roth IRA and taxable brokerage accounts. It literally said in the video that they were putting money in retirement and nonretirement accounts which these are. Compound interest and savings is key.

[@bereaboy]

Don't forget the most important part: parents that paid for 3 degrees so you're not paying student loans.

[@stevenponte6655]

I am guessing options from the tech company. Some of the big ones have 50-60% of your package in shares.

[@Employer101]

@@bereaboyunfortunately indian parents choose their child over a pack of swisher or meth… sad reality…

[@namaefumei]

Why didn't the guy ever talk?

[@OctavioArr]

He couldn’t speak English

[@josephdantes1605]

he's planning out the post-nup lmao. i found this bit to be odd.

[@dm96177]

He probably just didn’t want to be on camera as much. Some people don’t want that exposure which is perfectly fine

[@joshuasidley298]

After taxes on $230k they bring in $12k a month. According to their budget they are way overspending

[@genito1]

Something doesn't add up. With their income they can't come up with 19k per month (spending +saving+investing). And how did they accumulate a networth of over 800k when the wife hasn't had a full time job for long and they really haven't had much time to invest over time

[@altheanewman9867]

Why are their parents still paying for there school that’s what doesn’t add up. Born rich kids is my thinking.

[@jonathanbaker2789]

you didn't listen to the video

[@jlivb]

They are saving over 7k

[@aaronkohl8611]

Very misleading title. They don't "spend" $19 k a month.

[@Comotio]

Bro I know how hard English is.. it's like saying you are on a McDonald's diet.

[@Comotio]

Since I'm working with limited data, coming up with a proper score for you is tough..therefore I'll go ahead and add..savings goes into budgeting as well, incase my first comment made as much sense to you as the title

[@meridoughten9425]

? It doesn't say they "spend" 19k, it says they budget that amount

[@JDVlogs1]

@@meridoughten9425the original title said spend

[@Comotio]

​@@JDVlogs1stop lying

[@emmadarkwa6413]

Love the honesty with parents support!

[@alondramartinez3848]

Same! It's very realistic though not a form of support for a lot of people.

[@thefinancialneurologist]

For these videos, savings/investing shouldn't be categorized under spending. It's kind of misleading, and inflates the spending figure, it's not spending like a purchase, the money is still under the same owner. You can tell by the comments, that people respond off of just the misleading title.

[@jcabslovesu2]

The title should say “budget 19K a month with wealthy parents” because there is no way they both have masters at an expensive school and dont have college debt and have over 800K net worth at the age of 30.

[@WhatTheHellIsMyJobPodcast]

i got a bit tired of the smoke and mirrors of how this show works. i made my own interviewing people anonymously so they speak a lot more freely. it's kinda more interesting to hear people talk about their failures as well as successes tbh

[@jlivb]

Yeah, both of their parents help them pay off their student loans

[@jcabslovesu2]

@@jlivb I know. That’s the only way they sure came out with no debt! I just wish the media makes the title a bit more clear because this is totally not relatable. Or “making $227K per year and budget 19K/month. While parents help pay off Debt!”

[@morgan5885]

$227k doesn't come out to $19k/month post tax, not even close, that's what I'm not understanding...

[@cherylbroadenax1006]

19,000 x 12 = 228k.

[@ChristopherAbelman]

The stock market is already a wild ride, but now inflation adds another layer of crazy. One minute my portfolio is soaring,the next it's dropping like a rock. Makes it tough to plan for the future when the ground keeps shifting under my feet.

[@PennyBergeron-os4ch]

Diversification is your friend! Spread your investments across different asset classes to weather the ups and downs.Consider talking to a financial professional about creating a portfolio balanced for inflationary times.

[@FinnBraylon]

Don't let inflation steal your retirement dreams! A financial advisor can be your savings superhero. They can show you options like IRAs with tax advantages or inflation-protected investments that grow alongside inflation, keeping your retirement on track.

[@HildaBennet]

Hello, how did you handle it? I believe I require a pro after reading these comments

[@FinnBraylon]

Don't be hesitant to contact Sonya Lee Mitchell and follow her directions.

[@HildaBennet]

It's good you make your own research. and make sure whoever you work with is licensed n verifiable with a repute, this Sonya looks the part but i'd do my due diligence. I set up a call, thanks.

[@FinancialShinanigan]

Surprised they don't include "spending" on taxes

[@RealSerie26]

Not a good way to budget. You should budget off of your net income. These numbers make no sense.

[@Ascorbicon]

Financial analyst but still needed a financial planner and still they spend over $1000 on food!

[@Myulls]

…and they still live well below their means. They can afford it!

[@sarahsummers8919]

Within the finance field, there is different categories. Investment is whole another area than someone who do financial audit or accounting. You have to know where to invest your money and how you invest it. Knowing math does not make you a millionaire.

[@elianah8803]

@@Myullsthought the same thing. They probably work long hours and eat out or have food delivered. You’re right, they can easily afford it.

[@KFontLab]

@@sarahsummers8919💯💯💯

[@Mr1wd]

$1300 on a new phone shouldn't be in the spending pie chart. They are not buying a new phone every month lol

[@RealSerie26]

Who knows. Maybe she gets bored of her phones easily. 🤷🏻‍♂️

[@jlivb]

They’re pretty much means they’re paying off each of their phones plus the bill for the data every month. You don’t know what they have on their phones or how much data they use and that looks about accurate. Especially living in a place like Chicago.

[@OrangeArdmore]

2:20 I love his slip on slippers! They look super comfortable. - - 15% towards living costs is completely unreasonable in today's housing market. I was thinking 30% was too low! The average one bedroom in a major city maxes out at $2,500!! A two bedroom can go as high as $4k! These are not average numbers. - - Their story is not the average. She has two masters degrees. That is not the norm. I am not sure why he never said anything, but their life only works for them. - - At least they ARE living life while saving. I saw one of these videos where an assistant anesthesiologist barely spent money, made over $200k a year and was just PLANNING a trip to Greece she was going to take in 2 years!

[@StarletOfDavid]

She’s mistaken - they don’t say your housing costs should be 25 or 33 percent but it shouldn’t exceed that amount to not be house poor. She makes it sound like she’s super humble with her 3grandplus abode. Just saying.

[@Mangoose_ola]

Am I missing something. If you make 227k. Your take home is actually around 13k depending on where you live. How they can budget for 19k?

[@11secretherbsandspices49]

Why is it always the most generic people who get Doodles? "We want to donate to make the world better" - buys a dog instead of adopting

[@natalienewtonebookwriteram1399]

Were all these comments that insult their physical appearances really necessary. Be kind people; it costs nothing!

[@kevoreilly6557]

So, - no debt (college was feee? Rich parents) - no kids - no cars etc - insurance indicates under covered - no taxes which indicates this is net take home so, more likely $375k a year between them Yes, they should be able to save 2.5 over 15.

[@Xx-po1fu]

$19,000 x 12 = $228,000. They spend more money then they make. If their parents didn't pay for some or all of their education they would be deep in debt.

[@Maybefish1234]

This video doesn’t make sense

[@prestopkimo]

And they don’t pay tax?

[@psp785]

At what point does it say spend 19k a month I'm confused

[@pkmnan00bis]

Feel bad because everyone here is crunching numbers and here I am like "Girl, you need to git gud in Mario Kart"

[@euphoricmonk]

A Post-Nup? Haha so Gen Z.

[@lazypictures7131]

These people dont pay taxes

[@tylermoua7292]

They make combined 227k a year Gross right? How do they have 885k combined assets already? Whats the secret sauce?

[@hejiranyc]

The math ain't mathin'. Um... taxes? Chicago and Illinois have some of the highest local tax rates in the country.

[@alona724]

I’ve heard that post nups are pretty inconsequential. But, best of luck to the couple! Hopefully, they’ll never need it.

[@nicoletterebosa6985]

Who else is here from Outlier training?

[@Dad-in-WA]

Very impressive at 30y. having 2 incomes and help from family for MBA degrees is great if doable. 19k in spending isn't accurate, they save/invest a chunk of that.

[@PeterSramka]

She has put on a lot of weight compared to when she was younger…

[@Blissful-es1kk]

I enjoyed this episode. They are a smart young couple (with a really cute dog) doing wonderfully!

[@usmanvcx]

50/50 relationship - wow 😱

[@ericcarson342]

Mobility is a big deal. Very under rated in a society that says renting is throwing your money away. Smart move in renting.

[@robocop581]

Mobility is overrated

[@ericcarson342]

@@robocop581 Those that fly on private jets would disagree. Every hour is valuable and being geographically mobile is priceless. They most certainly think differently.

[@robocop581]

@@ericcarson342 Mobility is overrated

[@ericcarson342]

@@robocop581 ok

[@jacktran7024]

you know what..i went from working as a cashier at lil caesars to making 206k/year as a software engineer...never thought i'd would be in this position years ago when working at lil caesars putting the flour & water in the spinner to make the 100lb pizza dough..then cut them out into small pieces for sm, medium, and large pizzas...and the crazy breads too...education kids

[@johnkantar8034]

No way they have $885K saved (unless they hit some options gains) Their salaries aren't even that insane to be honest. I would love to see a real breakdown of assets.

[@Patriot-nz5lz]

No kids, “dog parents” 😂

[@Yourbody_MYCHOICE]

My fam of 3 is slightly over $100k and we spend around $26k total in 2023

[@78town]

It says he is currently pursuing his MBA which his parents are paying for... that's the real miracle. Rich parents. Both have multiple degrees with no debt. And even with almost $1mil net worth, he's getting his parents to pay for his MBA.z

[@jynerso751]

starting @ 0 with $7k/month (their states monthly investment amount) @ 7% compounded annually for 8 years = approx 860K. They probably started investing right out of college.

[@vimeopictures5170]

Dang....when Neil had hairs...his whole nationality changed. He went from looking like an Indian nerd to a Mexico drug cartel lord

[@torriemcglory2149]

Great job you guys! Was really hoping to hear Neil's take on things but maybe he's shy lol. Keep growing :)

[@djl2226]

Another really unlikeable “making it” video. Do better, CNBC! This couple is boring and privileged. Show us more stories about people making a living in some sort of interesting or unconventional way.

[@KarenReyes408]

So they spend more than what they make?

[@kaywest1625]

As a financial advisor this is so inspiring!

[@khensley7057]

All of their savings will be down in few years bc they live very lavishly. Very lavishly

[@lauraadaly]

1500 for food for two!!

[@GarrettWrap]

I found it odd to want a “post nup”.

[@stevenponte6655]

didnt make sense to me either. But then I started thinking the only way the $800k invested could work is if one of them had a large amount of tech stock as part o their salary package. Which could be the guy.

[@eddiewilson545]

People should only spend 10-15% on rent. Bruh your 15% and most peoples 15% is a lot different

[@vitorhajje9115]

Good work man! Did not open your mouth! Always works!

[@candyjamaican]

Does Neil talk? All that savings and his family is paying for his Masters? Is this a joke?

[@DiamondFlame45]

Good for them! I thought they were in their 40s and not 30s though lol

[@sales_coach_ai]

Indians don’t age well -said by a very young looking Indian 😆

[@alona724]

Lol 30 not even thirties…. They just got into their 30’s wild

[@animasuzie]

1500 a month on food for 2 people. Wow . Love to see that shopping list.

[@napoleon1992]

I'm sure there is plenty of eating out.

[@cnavaldes]

The math isn’t mathing on this one….. definitely a ton of parental help here and they are acting like they are self made.

[@Despite37]

This math doesn’t add up. My wife and I have a little bit more HHI and could never get by spending over $11k each month (I subtracted out the savings/investments). They’re essentially spending their entire Take Home pay each month so how is their net worth over $880k? It just doesn’t add up. Also, you’re in Chicago with no car your transportation is not $80…

[@sarahchang6215]

What these people don’t realize is that they can lose their job or get laid off at any time.

[@AntonSlizzardhands]

Their food, phone and rent seem high but everything else looks good. Who are their employers that pay those high salaries?

[@superfluous5162]

They missing passive income . I am 23 years old and just completed my masters . I have goals in my life and MBA is one of them .

[@redsnflr]

Budgeting all of your income is dumb when you make good money, how they don't invest 10% monthly - they'd still have huge $17k budget, is so silly.

[@itismoi4355]

Parents paid for schooling!

[@davidcantor293]

This combined income before taxes is really not enough to retire on lol. They need to be making a ton more to be spending $19k a year! That is ridiculous.

[@tomspeed3354]

A bachelor and a master within three years. That’s not even possible in my country. It takes a minimum of five years for what he did. it seems the US system is a joke and the master does not mean anything -if you can get a master within a year by working 100% -says all -the day is only 24 hours.

[@chocktalk]

I just handle the whole prenup nonsense, in the end money seems more important than a failed marriage

[@Bigdarrin90]

These numbers don’t make sense to me. I’m right there with them financially speaking and I get don’t take home 19k at the end of the month. Something is off

[@mjacksonjones]

Their budget numbers are way off. No taxes are assumed. Even with 401k max their numbers don't add up.

[@redsnflr]

working "in tech" means they have a non technical job in a software company, like hr or some kind of business management, but want to sound cool.

[@Patriciacraig599]

I think people should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions this year

[@PhilipMurray251]

Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.

[@BenjaminMcLeod815]

In situations like this, it's ideal to engage in various options like using an advisor, and I can attest to success of the "basket of securities" approach seeing my portfolio grow from $430k to over a $1.4m in barely 2 years, by far my best financial milestone.

[@Too-old-Forthischet]

Right, when it comes to situations like this, it's ideal to engage in various options using an advisor, and I can attest to success of the basket approach seeing my portfolio grow from $350k to almost $1m in barely 3 years, by far my best financial milestone.

[@devereauxjnr]

think you could suggest any professional/advisors i can get on the phone with?

[@Too-old-Forthischet]

Nicole Desiree Simon is her name. She is regarded as a genius in her area and works for Empower Financial Services

[@sriramcan]

I see a perfect mix of Indo American thinking

[@PeytonKelly-ri2zt]

I'm favoured $130k every 4 weeks! I now have a good house and can afford anything and also support my family

[@LiljanaRenee]

Wow that's huge, how do you make that much monthly? I'm 52 and have been looking for ways to be successful, please how??

[@PeytonKelly-ri2zt]

@@LiljanaRenee Thanks to Mrs Thelma Charlotte Ruff. She's a licensed IAR here in the states.

[@Randyfoster-nw7rb]

People who without professional guide.... Huh I laugh you because you'll remain where you are or even make huge losses that will stop you from trading this has been one of the biggest problems to new traders.

[@RickyCrawford-ij1du]

@@Randyfoster-nw7rb thanks for the recommendation but how do I reach her?

[@gabriellah5933]

What do you mean “favoured”?

[@beaniemac]

No student loans for them. They are fortunate!

[@AaAa-ri4uf]

I understand that these episodes tend to have a liberal undertone but man I’m impressed by the amount they have in investments

[@dickersonr6172]

3.5k for rent is insane. Y’all could have own a house or condo 😩

[@walkfree8282]

19k in a month, is it after tax or pretax? Coz on the chart I can’t see the tax sector.

[@hedykarim3614]

Good for them ! If you have a partner that works that’s great

[@kenroyforte6175]

The numbers don't add up post taxes.

[@black4vcobra]

No children planned and a post nuptial agreement is going to happen? This country needs people like them to have children. And what is rhe point of a post nuptial if they both have a good career, neither have significant financial resources and they intend to reach financial independence in 10ish years? More than a bit of greed going on with this couple.

[@maximuscosmos5545]

They spend more than what they make.

[@CueTheStage]

3500 for rent is crazy, they could buy a house for less than that in the South. And $885K in savings? Naw I don’t buy it 😂😂

[@philjenkins1138]

Love the honesty

[@holdencawffle626]

Wow his hair disappeared

[@yorusoisj]

How much are your parents paying for your grad school studies? That’s a great gift!!!

[@Sparkyzachchannel.]

That’s crazy over1 thousand a month on food what

[@selfridgesforever4399]

You people in the comments are miserable. They’re still doing well, can’t just be positive these days.

[@markbrunache648]

Why didn't the husband speak lol?

[@pinballrick6031]

I've seen this couple before. The man is mute. Unable to speak. lol?

[@ericcarson342]

Because he is smart. She is telling on herself with the post-nup non-sense. Only when it benefits her.

[@cxkelley]

So this was a privilege flex video…got it