I love this! The Budgetnista is not judgemental at all and critiques things without being too harsh. She also gives great advice and i love her energy.
I loved watching Grahams reactions but finally the Budgetnista! This girl got my score up +200 in a few years and got me into online banking. She should have been on this show a long time ago but I am happy she is here! "Who did that, not me!" love love love Tiffany.
Tiffany is my Budgetnista!! I’m a Dream Catcher and Dream Builder with Tiffany and I wouldn’t give that up for anything. I’ve been able to create an emergency fund and pay off 2 CCs thus far. I’ve still got a ways to go, but I’m doing it!!!
The Budgetnista is one of the best financial educators around. In this video she breaks down the info and you learn in the process. I feel like she's talking directly to me. Will be implementing some of these tips into my daily life Thanks Tiffany!!
Tiffany is a natural trainer. I enjoyed this and hope to see more of Tiffany on CNBC. I would give Christine 8/10 because the only wealth building component of her portfolio is the 401(k)
I Love Tiffany Aliche! She gives practical financial advice in a way that is easy for you to understand and apply to your life. She is definitely one of my money coaches.
Hey hey hey. Dream Catcher here. I had watched Christine's video a week or so ago; I'm glad to hear your "take" on her finances, Tiffany. Kudos to all of these millennials for sharing their personal financial lives with the world.
I’m 27 and I lost my job during pandemic so I made this UA-cam channel. I’m going to build an online empire so I don’t have to rely on a single company.
Lmao I agree I'm a dropout and I make around 50k and saved for few years and brought a property. I feel like I had a good head start and make my way to a millionaire hehe
I live in SF and 1300$ a month one-bedroom apartments do not exist any more in Berkeley, or the Bay Area (maybe farther out). So I am guessing she is either dividing the rent with her partner (making the rent 2600$ which is more accurate), or the apartment is rent controlled and she had it for a really long time.
@@ttemoj But from what she is saying they do everything 50/50 and she is even saving herself for her flight ticket for Germany. Does not sound like he would help her on that. Even for the scooter... Like what? Hope he will continue this 50/50 if they decide to have kids. But going to Germany with so much debt.... She should pay this off first and then leave as if she starts missing payments it will be a snowball effect. Especially the consumerim debt as the interest rates must be high. Plus in Europe incomes are not that high at all for her job which can wotk for us as most of us (europeans) don't have student or cosumerism debt to pay back...
I may have used the wrong wording but basically he has an additional portion of study for his degree that he's pursuing in Germany and she's moving with him
Wow. I really notice Tiffany’s podcast skills demonstrated here because I can close my eyes (I’m not feeling well) and listen to her give solid advice and also paint comprehensive picture of the scope of this video 🙏🏽
Can someone explain to me how the budget breakdown works? I don't get it. If she's making $88k, she's not bringing home almost $6k a month after tax. If anything she'd maybe bring home $5-5.5k....if she dipping into savings to then...put it back in her savings? I feel like these numbers rarely add up.
avril14thlove yep, close t $6,000 net on 88k means after payroll taxes and retirement she is still bringing home 81% of her gross. Which is unheard of. My net is 70% of my gross.
I live in California in a two bedroom condo with two living rooms and it’s a little more than 2.1 k per month. I spend 600-700 on food. I also eat out almost every day or eat left over take out. I should start cooking again. When I was broke, I used to budget 50-60 a week for food. The only thing I took from Graham Stephan was drinking coffee at home. I used to eat at home and get coffee twice a day. I need to budget better. I am so afraid of YOLO.
Why do you have a 2 bedroom place? Do you have a roommate or significant other? If so, then you really aren’t paying $2100 if the other person works and contributes. Otherwise, you should get a roommate if you can. You definitely need to cook at home and bring in leftovers for lunch and eat leftovers.
Seems logical though. 17k a year she isn’t taking home. 5900 a month for 12 months is 70k. So basically 17k ish is being paid into something else like maybe some of that is going towards taxes depending on how she files and what credits she gets etc.
chri rios even if all of the 17k is going to taxes thats still a 19.3% tax rate. She lives in one of the highest taxed states in the US. Her monthly take home should be around 4.4k if she was paying a realistic 31% tax rate. Hence theres some missing information here.
This was a GREAT video Budgetnista!! You were thorough and honest. I especially liked the comment you made about when you teach, you learn twice. So happy I found out about you years ago!!
They explained what the “miscellaneous” was. I don’t think it’s fair to ding her for not investing. The biggest problem is moving to Europe with o job, almost no savings, and a big pile of debt. Yikes! 😱
She didn’t mention that salaries in Germany are almost half that as the US. It will take her twice as long to pay down her debt. Plus, she will need a work permit to work in Germany. Not too smart.
Currently dollar has way more buying power than the euro though. So her savings will go twice as far, theoretically. Why do you throw shade at people on the internet?
@@kylenichols8944 Still not twice as much purchasing power in general, let alone if you move to a big city like Berlin. An LA dollar is more like 1.3 to 1.5 Berlin euro. Also, debt repayment will be in dollars, so no advantage there from purchasing power. In any case, when you're young it's way better to have twice the salary rather than 1.5 the savings unless you're already crazy rich. Not judging her though, she probably already thought about all of this and decided that it's worth it for her.
the first thing i would do is pay down the credit card debt asap - your keeping money in savings but there is no way your investment from savings is going to get more than 19% return
What’s your budget breakdown? Share your story with us for a chance to be featured in a future installment. cnb.cx/32TYZ2K
I love this! The Budgetnista is not judgemental at all and critiques things without being too harsh. She also gives great advice and i love her energy.
Thank you so much!
The Budgetnista you’re so welcome 🥺 you’re amazing
I totally agree!! I hope they have her back! ☺️
She is my new favorite commentator for these!!
Wow i love this reactor! She is so much more engaged than Suze or Kevin was! Bring her back for more content please :)
Thank you!!
Please CNBC bring The Budgenista back - she is a good analyst and very articulate
Anytime I see "The Budgetnista" I stop everything to listen to what she's talking about! She definitely got my financial life together!
Thank you Raki!!
@@Thebudgetnistablog you're welcome Tiffany😊
Tiffany is literally the best! So down to earth and honest. Just what the world needs.
Agreed!
Thank you!!
Big facts
Yess!! More of her advice please!?
Tomorrow: Graham Stephan reacts to Budgetnista reacting to Millennial Money.
i need his approval
Ha ha!
Ha ha!
I loved watching Grahams reactions but finally the Budgetnista! This girl got my score up +200 in a few years and got me into online banking. She should have been on this show a long time ago but I am happy she is here! "Who did that, not me!" love love love Tiffany.
Yay! So proud of you and thank you!
The budgetnista has done WONDERS for my credit score!!!!
She is AMAZING!
Yay! Awesome, Jamal!
Me too. My score went from the low fives to the mid seven hundreds in a year and half.
I like this lady’s positivity. Empowering while criticizing :))
Thank you!
Tiffany is my Budgetnista!! I’m a Dream Catcher and Dream Builder with Tiffany and I wouldn’t give that up for anything. I’ve been able to create an emergency fund and pay off 2 CCs thus far. I’ve still got a ways to go, but I’m doing it!!!
I love Tiffany so much. Every time I see her I think of her singing Need It>Love It>Like It>Want It
Thank you!
The Budgetnista is AMAZING! Please make her a regular on the channel; she brings such a fresh, positive perspective!
The Budgetnista is one of the best financial educators around. In this video she breaks down the info and you learn in the process. I feel like she's talking directly to me. Will be implementing some of these tips into my daily life Thanks Tiffany!!
Who else is looking to start a side hustle or has a side hustle? Great video 😆
I actually have just started a side hustle, renting my boardgames on Craigslist! So far I have made $50 :)
You can get miscellaneous from the $1 section of Target.
Lol! You got me there. :D
@@Thebudgetnistablog I love your Budget reaction video's
🤣🤣🤣🤣🤣🤣
Tiffany is my favorite financial educator!
💛💚
Mine too. Lol! Thanks, Tamara!
Tiffany’s energy is everything! Loved the tips/advice she gave, her compliments, and how she took time to listen to what the spender was saying💜
Thank you1
The Budgetnista of course
"Graham Graham Graham Graham, Graham, Graham Graham, Graham Stephan, Graham."
- Literally every millennial money comment section.
For real!!!
I love how Graham Stephan is mentioned more in the comments of these videos than this actual channel 😂
React to Millennial Money?
Graham: They took my job!
Also Graham: Never mind, I'm going to react to the reaction!
Lol yup
Tiffany is a natural trainer. I enjoyed this and hope to see more of Tiffany on CNBC. I would give Christine 8/10 because the only wealth building component of her portfolio is the 401(k)
I see Tiffany, I click
Woot Woot!
Loved this Episode. Tiffany has the best energy she you can feel her soul and tell she really cares.
Thank you!!
Absolutely love Tiffany. Nonjudgmental. Personally taxes take a huge amount of your yearly income.
Thank you!
I soooooooooooo loved this! I love the commentary during the pauses! It was EVERYTHING I WAS THINKING! 👏👏👏👏👏 Come through TIFFANY😍
Yaaaaay!! Thanks!
She's making good money and has the right mindset. She'll get far 👍
Agreed!
Yes Tiffany!! My fav financial expert!
Woot Woot! :)
I love Tiffany!!! Yes! So glad to see her on here!
Thank you!
The Budgetnista is amazing; more of her please!!!!!
Thanks Logan! I'd LOVE to come back.
we LOVE tiffany!!!! YES! id love to see even more of her. i've learned some absolute essentials from her.
I love Tiffany! She kept it real with the praise and what to do better.
I Love Tiffany Aliche! She gives practical financial advice in a way that is easy for you to understand and apply to your life. She is definitely one of my money coaches.
The Budgetnista! Loved your reaction!
Thank you!!
Hey hey hey. Dream Catcher here. I had watched Christine's video a week or so ago; I'm glad to hear your "take" on her finances, Tiffany. Kudos to all of these millennials for sharing their personal financial lives with the world.
Thanks Tiffany! You always make finance so entertaining! Luv your work! Hello from Australia! :)
Thank you! Hi from New Jersey. :)
Do more reaction videos with her! She had great tips and good energy! 😉
Thanks! I'd LOVE to!
wow, I actually want a scooter now.. what a great alternative...
They are pretty great. I had one when I was in college.
I’m 27 and I lost my job during pandemic so I made this UA-cam channel. I’m going to build an online empire so I don’t have to rely on a single company.
Such a great plan! I did the same & started my channel during the pandemic
Great job! I see you also follow Dave Ramsey!
Yesssssss Tiffany!!!! She’s my fave
Awwwwe! Thanks!
Tiffany gives good financial advice. She is so positive. I love her videos. She knows what she is talking about.
Great story. Love The Budgetnista's energy and personality. Her critiques were warranted, yet she gave them with love and encouragement.
Thank you!!
This is a good video! More realistic. I live in the Bay Area too and not everyone makes 6 figures. I can relate.
Lmao I agree I'm a dropout and I make around 50k and saved for few years and brought a property. I feel like I had a good head start and make my way to a millionaire hehe
I live in SF and 1300$ a month one-bedroom apartments do not exist any more in Berkeley, or the Bay Area (maybe farther out). So I am guessing she is either dividing the rent with her partner (making the rent 2600$ which is more accurate), or the apartment is rent controlled and she had it for a really long time.
So happy to see Tiffany here!! 🤩
"When you teach, you learn twice!" What a fabulous saying 👍🏻
Tiffany warrants an automatic click and like. Love her!
Thank you!!
Nice!!! I’m liking these reacts
You can do this money management free on the Dave Ramsey website.
@@mismeematters7050 The Budgetnista is also free
We don't need reaction videos we need more episode!
omg Im in love with this womans personality
please bring her more
🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾 Yes The Budgetnista on my favorite UA-cam’s channel!!! It’s win, win win. win situation! 💕
Thank you!
Wooh child! So natural..great reaction!
Lol! Thank you.
Love the Budgetnista and what it stands for!
Great advice from Tiffany, she keeps it 100 and I love her classes in the Live Richer Academy.
Totally going to start following Ms. Budgenista. The “woo child” made me think I was back home with the ladies from church. 😂💖
i love the budgetnista and Graham so i am looking forward to this and the review review lol
Thank you! I love him too! His channel is awesome.
why would you go to Germany if you broke? why would you pay $2k to get to to Germany?
She's not broke and we also don't know what her partner makes
@twistedblktrekie He's doing a post doc back there
Moving to Germany with 33k+ debt is not ideal..... But her husband/boyfriend probably has a solid job.
@@ttemoj But from what she is saying they do everything 50/50 and she is even saving herself for her flight ticket for Germany. Does not sound like he would help her on that. Even for the scooter... Like what? Hope he will continue this 50/50 if they decide to have kids. But going to Germany with so much debt.... She should pay this off first and then leave as if she starts missing payments it will be a snowball effect. Especially the consumerim debt as the interest rates must be high. Plus in Europe incomes are not that high at all for her job which can wotk for us as most of us (europeans) don't have student or cosumerism debt to pay back...
This have to be after taxes. If this was before taxes, she'll have 60k.
But her budget comes to 72k a year.
So where is the other 16k?
Her bummy bf makes $16k
It's most likely after taxes
Bring her on more please
Thanks! I'd LOVE to!
I see the budgetnista, I like. Simple
Hey Tiffany! Love you girl!
Hey! Love ya back!
Great Episode. Love The Budgetnista.
This is HOTT!! Tiffany is the BEST!!!
Love Tiffany on this show
Mali More is the greatest gift ever for any kid!!
Awww, thanks! I LOVE my new children's book!
The look on sis’ face when she heard she was moving out of the country with her partner without a job...
1:08 she said it like nobody's heard of them🤣
Love your phrase "when you teach you learn twice"
Why Germany? She didn’t explain why the move there all of sudden.
why not
She explained her partner has a master's/apprenticeship he's planning to study in Germany
I may have used the wrong wording but basically he has an additional portion of study for his degree that he's pursuing in Germany and she's moving with him
Her rent is $2600 a month as it is split, mentioned in the fine print
Please do more of these. Thanks
Wow. I really notice Tiffany’s podcast skills demonstrated here because I can close my eyes (I’m not feeling well) and listen to her give solid advice and also paint comprehensive picture of the scope of this video 🙏🏽
Can someone explain to me how the budget breakdown works? I don't get it. If she's making $88k, she's not bringing home almost $6k a month after tax. If anything she'd maybe bring home $5-5.5k....if she dipping into savings to then...put it back in her savings? I feel like these numbers rarely add up.
avril14thlove yep, close t $6,000 net on 88k means after payroll taxes and retirement she is still bringing home 81% of her gross. Which is unheard of. My net is 70% of my gross.
Very happy to see the Budgetnista! She gives sage advice with care. Love her!!!
I live in California in a two bedroom condo with two living rooms and it’s a little more than 2.1 k per month. I spend 600-700 on food. I also eat out almost every day or eat left over take out. I should start cooking again. When I was broke, I used to budget 50-60 a week for food. The only thing I took from Graham Stephan was drinking coffee at home. I used to eat at home and get coffee twice a day. I need to budget better. I am so afraid of YOLO.
Why do you have a 2 bedroom place? Do you have a roommate or significant other? If so, then you really aren’t paying $2100 if the other person works and contributes. Otherwise, you should get a roommate if you can. You definitely need to cook at home and bring in leftovers for lunch and eat leftovers.
Love this!!
Tiffany Aliche is so great! She always provides value
Shine on us Tiffany! We love you.
Love seeing the budgetnista!! She always critiques well and gives solid advice. Want to see MORE of her.
i dont understand how someone who makes 88k in CA takes home $5900 a month. does she not pay taxes? something is not being shown here.
Aren't student loans/interest payments tax deductible?
That's my thought exactly.
Maybe she pays estimated taxes? Or claims more allowances, cuz that's what I do
Seems logical though. 17k a year she isn’t taking home. 5900 a month for 12 months is 70k. So basically 17k ish is being paid into something else like maybe some of that is going towards taxes depending on how she files and what credits she gets etc.
chri rios even if all of the 17k is going to taxes thats still a 19.3% tax rate. She lives in one of the highest taxed states in the US. Her monthly take home should be around 4.4k if she was paying a realistic 31% tax rate. Hence theres some missing information here.
“Graham reacts to the bugetnista reacts to graham reacting to...”
coming soon?
@@GrahamStephan Lol!
Up next?!
This was a GREAT video Budgetnista!! You were thorough and honest. I especially liked the comment you made about when you teach, you learn twice. So happy I found out about you years ago!!
2:00 "Student loans, credit card debt" -
says it in the bottom right corner of video :)
They explained what the “miscellaneous” was. I don’t think it’s fair to ding her for not investing. The biggest problem is moving to Europe with o job, almost no savings, and a big pile of debt. Yikes! 😱
I love Tiffany the budgetnista. This is cool seeing her react to people & give tips. This is super helpful
Love Tiffany 😍
Love you back!
$1300 a month in Berkeley? That’s cheap. If she’s living there without roommates I’m about to creep up on her landlord. 😏
I’m assuming that’s her 1/2 with her bf
Thank you again The Budgetnista for those jewels.
You are such an inspiration.
i love videos like this! could you possibly do a video on great side hustles? I'm looking for something to do outside of my 9-5
Thanks, Budgetnista! I learned many nuggets of financial wisdom as you reviewed Christine’s finances. I have become one of your latest Subbies!
I really like the Budgetnista! She is really fun, kind and gives good advice. Thank you for sharing this. 😀🙌🙌🙌
LOVE the Budgetnista!!! She is so helpful and has great energy!
Love this praying there are more of the budgetnista!
Awesomeness!
She didn’t mention that salaries in Germany are almost half that as the US. It will take her twice as long to pay down her debt. Plus, she will need a work permit to work in Germany. Not too smart.
Currently dollar has way more buying power than the euro though. So her savings will go twice as far, theoretically. Why do you throw shade at people on the internet?
@@kylenichols8944 Still not twice as much purchasing power in general, let alone if you move to a big city like Berlin. An LA dollar is more like 1.3 to 1.5 Berlin euro.
Also, debt repayment will be in dollars, so no advantage there from purchasing power. In any case, when you're young it's way better to have twice the salary rather than 1.5 the savings unless you're already crazy rich.
Not judging her though, she probably already thought about all of this and decided that it's worth it for her.
Love this! Thank you for sharing
Personally, I’d pay off my debt and have a little more savings before leaving a country with no job set up.
Seriously... I yelled "WHAT? WHY? NOOO!" the second I heard that part....
Oh no someone's coming for Graham's gig 😂
Nah, her reaction is more of a commentary. I like that Graham gets down to the financial details.
I like the commentary as the video moves along.
the first thing i would do is pay down the credit card debt asap - your keeping money in savings but there is no way your investment from savings is going to get more than 19% return
Give her a series!! Love budgetnista