Living On $47K A Year In Kailua, Hawaii | Millennial Money

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  • Опубліковано 28 кві 2021
  • JD Wilson, 38, is a third grade teacher making $47,000 a year at St. Anthony's School in Kailua, Hawaii. After his events company, Lead U, was halted due to Covid, JD decided to fall back on his teaching certificate and head to Hawaii for a teaching job. In a span of 72 hours, he got the job, rented out his apartment in New Jersey, packed a bag and moved to the island.
    This is an installment of CNBC Make It's Millennial Money series, which profiles people across the globe and details how they earn, spend and save their money.
    Check out Lead U's Instagram: / lead_u_
    Read more about about JD's budget breakdown here: cnb.cx/3nEVGa0
    At the start of 2020, JD Wilson was earning around $75,000 a year operating his “dream” business, an events company called Lead U that hosts empowerment workshops at schools across the country.
    The idea for the company sprang to mind in 2016, when Wilson was a teacher in New Jersey watching the Dribbler, a former Harlem Globetrotter, perform at an assembly for his fourth grade students. Why stick to teaching math when he could craft experiences that would teach students life lessons they would remember for years to come? Wilson thought.
    He resigned from his teaching job at the end of the school year, and from 2016 to 2020, Wilson built Lead U, reveling in the energy and enthusiasm of the students he visited and empowering them to “find the leader within.” Life was good: The company was pre-booked throughout 2020 and Wilson was traveling to Canada and England to host assemblies and workshops. He felt fulfilled helping kids gain confidence.
    “The money started coming in, and I loved what I was doing,” Wilson says. “I felt like I was really, really making an impact on the kids.”
    Then the coronavirus pandemic hit, and Lead U lost all of its business since the company relied on in-person workshops and presentations. Like millions of others in the U.S. and across the world, Wilson’s life changed seemingly overnight.
    Having lost his mother a few months earlier, and now his business, by mid-March Wilson was at his “lowest point” in years, he says. He knew he needed a change of scenery.
    With a teaching degree and experience to fall back on, he began applying to schools in Hawaii, where teachers are often in high demand. In such high demand, in fact, that Wilson was offered a job teaching third grade when he cold-called a school - if he could start in three days.
    Wilson packed a single bag, had a goodbye luau with his family and moved to Kailua, in Oahu, Hawaii, in July of 2020. Hawaii is significantly more expensive than New Jersey, he says, and he’s making $47,000 per year, about half as much as he used to.
    But despite the drop in income, he loves the island and its energy. When he first moved, he says he was shocked that people in the community who didn’t know him took time to drop off food during his two-week quarantine. It’s helped him gain perspective on how he really wants to live his life and treat others.
    “I’m learning from the culture out here. I’m learning from the people. I’m learning from my colleagues,” he says.
    Still learning and growing
    Wilson says he has a lot to learn, both in life and when it comes to his money.
    He took a circuitous route to entrepreneurship. After graduating from high school in 2001, he attended East Stroudsburg University, graduating in 2006 with a bachelor’s degree in history and around $70,000 in student loan debt.
    “It’s not the greatest thing to get after five years of schooling,” Wilson admits of his degree, noting it was difficult to find a job. From there, he joined the U.S. Air Force and was deployed to Iraq. He remained in the military until 2010.
    The military “humbled me and made me realize you have to do what you want to do in life,” he says. That’s when he decided to get his post-baccalaureate in teaching at Caldwell University, which the military paid for.
    Looking back, Wilson says he has made some mistakes. Perhaps the biggest was taking out so many student loans, he says. While the military paid off around $25,000, he still has around $40,000 left and pays $586 a month (he has continued to pay them each month, despite the Covid-related pause on federal student loan payments).
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    Living On $47K A Year In Kailua, Hawaii | Millennial Money

КОМЕНТАРІ • 1,1 тис.

  • @CNBCMakeIt
    @CNBCMakeIt  3 роки тому +50

    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​​

    • @j.gonzaloaguilar7541
      @j.gonzaloaguilar7541 3 роки тому +2

      Love 💕Touch and hold a clip to pin it. Unpinned clips will be deleted after 1 hour.

    • @eugeneatkins8928
      @eugeneatkins8928 3 роки тому +1

      AA 0:00 @Q AAAP
      P+

    • @eugeneatkins8928
      @eugeneatkins8928 3 роки тому +1

      0:00

    • @eugeneatkins8928
      @eugeneatkins8928 3 роки тому +1

      @Lionel Shepard questionquickly A zzz@097

    • @kanakamokunui1039
      @kanakamokunui1039 9 місяців тому

      This is how Hawaiians get priced out of paradise,
      READ THIS! TRUTH WHATS HAPPENING I CAN SPEAK FIRST HAND..1)Billionaires form cliques that consist of computer tech giants to Oil moguls. They pay off State to land developers to push shady deals.
      2)they build White lotus 5 diamond resorts and hire realtors to buy homes in districts closed to the resort.
      3)They post high end position/paying jobs overseas and stack multiple overseas workers in homes to save money over months to years.
      4)Management in these white lotus 5 diamond resorts will team up with overseas people who move here looking for work.Form cliques of everyone not from Hawaii then in a team effort They get You fired with lies and twisted half truths.
      5)Now You work 2 dead end jobs,where as in a tipping category You bank! I’ve made 30 bucks in a day to $2,200 in one night! Hawaiians won’t survive landscaping at $16.50 an hour.They end up foreclosure THIER homes and these managers that stacked up in the homes the resort bought to house them..BUYS YOURS!
      6)Thus,pushing Hawaiians to Vegas where it’s cheaper But who works the hotels in Vegas?? A lot of Hawaiians do so Why are they not working home? THIS IS WHY!!! PRICED OUT OF PARADISE BY RESORTS AND ITS OVERSEAS WORKERS.

  • @shanisafan
    @shanisafan 3 роки тому +862

    Two things: Thanks for featuring OLDER millennials and middle range income earners. Please do more of these kinds of features. Not every Millennial is on the younger side and we are not all clearing 100k a year.

  • @Casheverytime
    @Casheverytime 3 роки тому +749

    Everyone else on here brags about their money situation and this dude is out here being real with it. Props

    • @sincerelysandi
      @sincerelysandi 3 роки тому +1

      You are right!

    • @LL-iu6wc
      @LL-iu6wc 3 роки тому +3

      Not sure why stating their higher salary is bragging when they’re stating a fact

    • @juminrhee4255
      @juminrhee4255 Рік тому

      Only???
      Need some major reforms and increase in housing supply. My rent is $500 per month in Texas

    • @juminrhee4255
      @juminrhee4255 Рік тому

      Wondering why hawaiian schools don't have housing provided for free or even a nominally fee (under $300) as housing is so expensive compared to salary. It's run directly by the state and the democrats have run the state for years if not decades (not to be political, but they are traditionally the party of workers rather than corporations and rich, supposedly). Fix this and watch people want to enter the teaching field and end the shortage.

  • @juliorivera27
    @juliorivera27 3 роки тому +449

    So I served in the USAF with Wilson and he is literally one of if not the coolest guy ever. Very kind hearted and very genuine. Funny as all get out and just a really awesome person to be around. He just always had this very positive vibe about him. Dude was an absolute beast too. He would run like 15 miles or some ridiculous amount after a day of training just for fun lol. Miss you brother. Hope all is well. -Rivera

    • @JBrooks0043
      @JBrooks0043 3 роки тому +25

      Wholesome content right here

    • @samhart42
      @samhart42 3 роки тому +9

      Aim High!

    • @juliorivera27
      @juliorivera27 3 роки тому +10

      @@socorrofeliciano3391 I appreciate it. Thank you for your support

    • @JJ-yu6og
      @JJ-yu6og 2 роки тому +8

      Thank you for posting!!😀 His genuineness absolutely comes through!😊 You're cool to post that about him, too!

    • @juliorivera27
      @juliorivera27 2 роки тому +7

      @@JJ-yu6og absolutely. Nothing negative to say about Wilson. Dude is an all around stand up fella.

  • @jrtrading3306
    @jrtrading3306 3 роки тому +95

    I had Mr. Wilson my 5th grade year in his first year teaching ever. I'm now graduating high school, and I can still say with certainly he was the best teacher, man, and inspiration I've ever ran into through the school system. I'm thankful he's well and only wish the best for him.

    • @iamme50
      @iamme50 2 роки тому +1

      Thats awesome! He seems like a great person. Thanks for sharing.

    • @alexsmith9915
      @alexsmith9915 2 роки тому

      it's nice to know as one of his students, your experience matches the image he's shared with us all. he seems like a genuinely good guy.

  • @ryanhawaiian9671
    @ryanhawaiian9671 3 роки тому +417

    Firstly, props to JD for being so transparent with both his financial situation and the lessons he’s learned along the way. You can tell this guy has the heart of a teacher. I believe many others will be able to watch this and empathize with what he’s going through, especially in enduring the challenges with his company. Mahalo JD, and best of luck 🤙🏼

    • @NatePolmateer
      @NatePolmateer 3 роки тому

      So true!

    • @JJ-yu6og
      @JJ-yu6og 2 роки тому

      100% ! This is one of the best videos in this series!!! 😀

    • @juminrhee4255
      @juminrhee4255 Рік тому +1

      Wondering why hawaiian schools don't have housing provided for free or even a nominally fee (under $300) as housing is so expensive compared to salary. It's run directly by the state and the democrats have run the state for years if not decades (not to be political, but they are traditionally the party of workers rather than corporations and rich, supposedly). Fix this and watch people want to enter the teaching field and end the shortage.

    • @ryanhawaiian9671
      @ryanhawaiian9671 Рік тому +1

      @@juminrhee4255 that's a great idea. Some private schools provide affordable housing or subsidize completely to help incentivize teachers. However this is few and far between. If we don't have quality people teaching our keiki and wanting to come into this career, our future doesn't look so good.

  • @kiersten51
    @kiersten51 3 роки тому +564

    JD was a regular customer at a coffee shop I worked out. Hands down one of the friendliest, most positive people I have met!

    • @tkp97
      @tkp97 3 роки тому +16

      He seems nice but the eating budget is too much

    • @kingkylie9655
      @kingkylie9655 3 роки тому +3

      @@tkp97 he is a grown man he needs to eat haha!

  • @denise_abe
    @denise_abe 3 роки тому +280

    Meal prepping and cooking really does help save money. Buy things in bulk and cook for lunches and dinners. Eating out costs so much.

    • @jaysoncasper6889
      @jaysoncasper6889 3 роки тому +1

      W•H•A•T•S••A••P••P•••
      +..1..7..1..7..9..3..4..1..2..3..9
      I•N•V•E•S•T••IN••BTC••C•R•Y.•P•T•O•C•U•R•R•E•N•C•Y..

    • @evakeeslar1766
      @evakeeslar1766 3 роки тому +3

      @@EZ435 he’s not. They discuss where he works in the video. We don’t have DoD schools in Hawaii anyway, those exist on foreign military bases.

    • @juminrhee4255
      @juminrhee4255 Рік тому

      And DOD would have cost of living allowance so he could actually thrive and not just survive.

    • @juminrhee4255
      @juminrhee4255 Рік тому

      Instead of side hustles and gigs, how about we unite and demand a decent pay where only one person in the family can support a family of 4 on one income? Don't let the corporate overlords off easily.
      Wondering why hawaiian schools don't have housing provided for free or even a nominally fee (under $300) as housing is so expensive compared to salary. It's run directly by the state and the democrats have run the state for years if not decades (not to be political, but they are traditionally the party of workers rather than corporations and rich, supposedly). Fix this and watch people want to enter the teaching field and end the shortage.
      If you include housing costs into the salary, which should only be 30% of income or less and food which should be 5% of income or less, the appropriate minimum wage should be $48 per hour ($80,000 salary) in Hawaii.

  • @evakeeslar1766
    @evakeeslar1766 3 роки тому +112

    $1650 rent in Kailua is cheap, but still expensive for one person. I used to live next door to a house rented by a bunch of teachers. Most of the younger teachers I had growing up in Hawaii either had multiple roommates or worked 3 jobs to make ends meet.

    • @Matt-wj6gy
      @Matt-wj6gy 3 роки тому +8

      Yep, his rent is WAY out of his price range. He needs roommates and fast. He shouldn't be paying more than $700/month for his income level.

  • @lindawang5649
    @lindawang5649 3 роки тому +983

    When he said he was the king of uber eats, right after he said he didn't make enough money at his teaching job, I assumed he was delivering uber eats, not spending 300 dollars a month ordering from it.

    • @Neil542
      @Neil542 3 роки тому +30

      I also assumed this

    • @harnessmoney
      @harnessmoney 3 роки тому +65

      Sounds to me like that should be his side hustle right there. And he has a car on the island!

    • @brittanywalker8951
      @brittanywalker8951 3 роки тому +1

      I thought the same thing.

    • @MsOverachiever9513
      @MsOverachiever9513 3 роки тому +6

      I honestly didn't realize that until I read your comment. LOL

    • @crystallampkin4033
      @crystallampkin4033 3 роки тому +20

      $300 dollars a month on uber eats in Hawaii is only 10 meals if you have it delivered.

  • @damondominique
    @damondominique 3 роки тому +760

    and he seems more fulfilled than people making twice his salary

    • @sarapalfy5641
      @sarapalfy5641 3 роки тому +21

      I love that your comments are everywhere!

    • @user-fu6cw9or9h
      @user-fu6cw9or9h 3 роки тому +23

      He also can’t afford a wedding or child so he has no family, no plan or path to home ownership, and no retirement savings at all. He’s 40. I hope he has fun being “fulfilled” for a few more years before his back aches and his knees don’t bend the same. Then he’ll be doomed to 30 years of a hard life with no family.

    • @aliali-ce3yf
      @aliali-ce3yf 3 роки тому +41

      @@user-fu6cw9or9h he has a plan - his business just took a detour due to the pandemic. and maybe he doesn't want a family or a wife or to be a homeowner.
      not everyone wants a traditional life. that isn't a doom.

    • @SJ-qd7hm
      @SJ-qd7hm 3 роки тому +23

      @@user-fu6cw9or9h Geez man, why are you already dooming him to a miserable existence? 😂 He isn’t in the best financial situation but he seems aware and is working on it. 38 isn’t the end of your life- he has time to fix his finances and also pursue his passions. And maybe a wedding, kids, and home ownership aren’t his priorities?

    • @user-fu6cw9or9h
      @user-fu6cw9or9h 3 роки тому +2

      @@SJ-qd7hm I'm not sure he is working on it. His budget doesnt include any meaningful savings and didnt even account for every expense (I saw nothing on things like birthday/christmas gifts or Healthcare). And I find it strange that in a video that overdid the personal expose they didnt mention that he doesnt want a kid/wife/home. I think its reasonable to default to assuming he has "normal" financial goals. At a certain point he isnt just harming himslef but also his future child.

  • @luke8838
    @luke8838 3 роки тому +127

    Goes to show you don't need to have it all to still carry a positive attitude with you everyday.

  • @ciel222
    @ciel222 3 роки тому +82

    SORRY to hear about the passing of his mother , I wish him all the best

  • @nicolec4011
    @nicolec4011 3 роки тому +256

    idk if the kitchen with the mini fridge and single cup was bc he’s minimalist or spends $500 on uber eats a month!

    • @alr1577
      @alr1577 3 роки тому +9

      lol fr. Seems like he eats out all the time.

    • @hustlehard4L
      @hustlehard4L 3 роки тому +24

      He needs to teach himself how to cook!

    • @VijSJAAA13
      @VijSJAAA13 3 роки тому +1

      Exactly, could save so much more if he starts cooking at home.

    • @grayonthewater
      @grayonthewater 3 роки тому +2

      He could have a whole set of cups by just washing and reusing take out cups lol

    • @daniellevilloria227
      @daniellevilloria227 3 роки тому +2

      If he’s only spending $650 a month on food on ‘Oahu then he’s definitely not eating out very often

  • @khangtruong4515
    @khangtruong4515 3 роки тому +179

    In hawaii, teacher are under paid. Living cost is much higher and teacher's pay are lower than most states. Most teacher in hawaii moved away to find better paying jobs in the mainland.

    • @DaniMrtini
      @DaniMrtini 3 роки тому +27

      Most teachers in the entire country are under paid

    • @jacquelinele9170
      @jacquelinele9170 3 роки тому +6

      @@DaniMrtini Hawaii is definitely at the bottom when it comes to teacher pay vs living expenses though (according to economic lists)

    • @rawspace1212
      @rawspace1212 3 роки тому +4

      Working in the public schools system on Maui for 4 years. The turn around rate for a teacher is high. When the kids get used to a teacher's program, the teacher has to leave due to financial stuggle and are filled with temp subs. Ends up being a day care rather than structured teachings for the kids. I had to live in a van to make ends meet.

    • @austinselleck9484
      @austinselleck9484 3 роки тому

      Here in Northwest Arkansas, our teachers average more than this...

  • @korrabel
    @korrabel 3 роки тому +503

    Thanks for showing us someone that is just starting to improve their financial journey

    • @miriamstrauss
      @miriamstrauss 3 роки тому +5

      Agreed 💯

    • @ninjablack4347
      @ninjablack4347 3 роки тому +1

      right? I was getting tired of seeing "I live on 200k a year in a rural area!"

    • @juminrhee4255
      @juminrhee4255 Рік тому

      Instead of side hustles and gigs, how about we unite and demand a decent pay where only one person in the family can support a family of 4 on one income? Don't let the corporate overlords off easily.
      Wondering why hawaiian schools don't have housing provided for free or even a nominally fee (under $300) as housing is so expensive compared to salary. It's run directly by the state and the democrats have run the state for years if not decades (not to be political, but they are traditionally the party of workers rather than corporations and rich, supposedly). Fix this and watch people want to enter the teaching field and end the shortage.
      If you include housing costs into the salary, which should only be 30% of income or less and food which should be 5% of income or less, the appropriate minimum wage should be $48 per hour ($80,000 salary) in Hawaii.

  • @DouglasLee9
    @DouglasLee9 3 роки тому +48

    I love this! Its REAL. Not another person doing the humble brag. Its also good to learn from everyday people so that we can connect with those and learn from their mistakes.

  • @DaechoongMama
    @DaechoongMama 3 роки тому +21

    If you are single in Hawaii this is how to do budget eating. Go to Costco get a 10lb bag of frozen chicken thighs (around $10) and Kirkland meatballs. For the chicken thighs, defrost them the night before, fry it, stew it, there’s a million ways to eat it. Get a rice cooker. For fruit: apples from Costco. They last a long time. Always have rice on hand. Go to farmers market at windward mall for all your veggies. You can eat for $300 maybe less for the whole month as a oppose to a few meals with Uber eats!

    • @jaysoncasper6889
      @jaysoncasper6889 3 роки тому

      W•H•A•T•S••A••P••P•••
      +..1..7..1..7..9..3..4..1..2..3..9
      I•N•V•E•S•T••IN••BTC••C•R•Y•P•T•O•C•U•R•R•E•N•C•Y..

    • @brielleimana1408
      @brielleimana1408 3 роки тому +1

      As someone trying to move to Oahu next year I appreciate these tips!

    • @j.3854
      @j.3854 3 роки тому +1

      This x1000. Or if you do plant based. Rice, lentils. Olive oil. Salt and pepper. Fruit. Easy. Cheap. $300 or less a month.

  • @theexperiment8498
    @theexperiment8498 3 роки тому +253

    God bless this guy’s efforts to survive and eventually thrive. May the force be with him.

    • @theexperiment8498
      @theexperiment8498 3 роки тому +1

      @Yes Yes Yes, she reminds me regularly, "The experiment was a failure...."

  • @LifeofKairo
    @LifeofKairo 3 роки тому +320

    Teachers are heroes.
    I just wish that the school system taught us how to ACTUALLY thrive in the world rather than just be an employee.

    • @sx3todd
      @sx3todd 3 роки тому +12

      high school doesn’t even teach financial independence. it’s always liberal art subjects which are great. but yes like you said.
      i’m not even in education. i’m in business and we were barely taught to be financial independent either

    • @Whooshta
      @Whooshta 3 роки тому +4

      Why would that be the job of the public school system?

    • @sx3todd
      @sx3todd 3 роки тому +15

      @@Whooshta because people go to school hoping to learn and make it in life. but instead they’re taught to be 9-5 wage slaves…

    • @raymondcunanan1135
      @raymondcunanan1135 3 роки тому

      Very true. Or atleast our parents.

    • @harnessmoney
      @harnessmoney 3 роки тому +10

      The school system could def have some type of basic financial education. Debt, Interest, Budgeting. They teach about health, why not money? It affects every human.

  • @Babybaaz
    @Babybaaz 3 роки тому +39

    Lived in Hawaii for 4 years. Great place, great people. Not worth the cost, and it's tough to make a decent wage.

    • @jaysoncasper6889
      @jaysoncasper6889 3 роки тому

      W•H•A•T•S••A••P••P•••
      +..1..7..1..7..9..3..4..1..2..3..9
      I•N•V•E•S•T••IN••BTC••C•R•Y•P•T•O•C•U•R•R•E•N•C•Y..

  • @ohai_mr_e
    @ohai_mr_e 3 роки тому +11

    Sending you lots of good vibes JD! Thanks for sharing your story in such a powerful and vulnerable way. I hope your workshops pick up soon!

  • @cheezybred
    @cheezybred 3 роки тому +440

    He seems like a great guy, im worried he doesnt fully understand the financial mess hes in. Living paycheck to paycheck in hawaii, not tackling his loans and no retirement savings is a big hole. That uber eats money needs to go straight to his loans and he needs to drive uber instead of surfing. The yolo passion stuff needs to wait, Just until he gets out of the mess. Great vid!

    • @schwann1826
      @schwann1826 3 роки тому +43

      Word. Atleast he admitted it, he doesn't earn enough for that much in delivery.

    • @ttech4313
      @ttech4313 3 роки тому +26

      Well he’s putting almost $600 to his loans every month which isnt too bad. It’s just the food and phone bill expenses that are way too high

    • @haute03
      @haute03 3 роки тому +33

      I actually had to double back because I thought he said he was making $300 MORE a month *driving* for Uber Eats. Yikes lol.

    • @katlennat1680
      @katlennat1680 3 роки тому

      Yeah. I agree

    • @travel9two557
      @travel9two557 3 роки тому +9

      100% Agreed. But he has an amazing passion and great personality that will take him far and keep him afloat.

  • @lavy1513
    @lavy1513 3 роки тому +14

    JD seems like a good guy. He'll reach all those goals b/c he is focused, has a big heart and his mom is watching over and guiding the way.

  • @tatianab2049
    @tatianab2049 3 роки тому +3

    Thank you for sharing your story, JD and helping all of us grow and learn! You are doing great

  • @kaetmcgee5258
    @kaetmcgee5258 3 роки тому +10

    The cup named “cup” sent me 🤣💀 respect your hustle and dedication to improving your situation with a positive attitude after going thru so much! Air Force vet and teacher is a winning combo!

  • @msthing
    @msthing 3 роки тому +263

    That guy's character *is* his quality of life. On some level, I wish I was as chill and just top worrying about every dollar.

    • @miriamstrauss
      @miriamstrauss 3 роки тому

      Haha good point

    • @monica4158
      @monica4158 3 роки тому +11

      Looks can be deceiving... I'm sure he's feeling it 😢
      Side note: talent show in Iraq 😆😊😊😊

    • @sx3todd
      @sx3todd 3 роки тому

      agreed

    • @LegolasD
      @LegolasD 3 роки тому +4

      yeah he has great energy, I wish him a lot of luck. I hope this gives Lead U more recognition

    • @ReddingRed
      @ReddingRed 3 роки тому

      How is supposed to afford life after he retires if he spends every penny + now? "Chill" in this instance seems more fantasy land than anything else.

  • @ToddBaldwin
    @ToddBaldwin 3 роки тому +98

    Thank you for your service, both in the military and in educating the youth.

    • @annajones9701
      @annajones9701 3 роки тому

      You are everywhere Todd! Had 6 rentals like you for air BnB but Covid killing me..

  • @jeremymcneill8882
    @jeremymcneill8882 3 роки тому +85

    One of the more realistic episodes so far, he has a great story!

  • @sarahadekola
    @sarahadekola 2 роки тому +9

    This is amazing! I just applied for millennial money as there needs to be more representation in Europe! I am based in Dublin, Ireland. Fingers crossed I get accepted.

    • @wendy-zarate
      @wendy-zarate 2 роки тому

      Hey that's awesome hope to see u on here then! :)

  • @poupeth1
    @poupeth1 Рік тому +2

    I'm rooting for you JD! You seem like a really genuine, cool dude to be around.👍🏽

  • @jess_a_yo
    @jess_a_yo 3 роки тому +54

    JD: "I'm bad with money..."
    Me: it's my time to shine. 😎 until Saturday when I get the notification from Graham

  • @ShaqDaddyx380
    @ShaqDaddyx380 3 роки тому +31

    This guy has a great personality, and with that, I genuinely feel as though he will go far with that. Plus, he's aware of the situation he's in & trying to work on getting himself out of it. I truly wish him the best & I hope he's doing better mentally & emotionally after his mom's passing. Anyway, good luck, man, you got this!

  • @NinaThomas
    @NinaThomas 3 роки тому +5

    Now THIS is a CNBC Make It I would love to hear Graham's take on. Housing and living expenses can so easily just eat up an entire budget.

  • @djetton1
    @djetton1 3 роки тому +1

    God bless your journey JD! Excited to see how you will succeed in the future.

  • @TheDanaYiShow
    @TheDanaYiShow 3 роки тому +2

    Really enjoy all these videos, keep it up!

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8:::::

  • @akirebara
    @akirebara 3 роки тому +361

    Graham Stephan will have a field day on his Uber Eats budget.

    • @miriamstrauss
      @miriamstrauss 3 роки тому +1

      Haha ya

    • @ConnieDube
      @ConnieDube 3 роки тому +9

      Honestly while sipping his ice coffee

    • @cookwithdrbrooke
      @cookwithdrbrooke 3 роки тому +21

      When he said king of uber eats I assumed he DROVE for uber eats to make some side money.

    • @jorgepadilla9945
      @jorgepadilla9945 3 роки тому +1

      “Wowwwwwww”

    • @akirebara
      @akirebara 3 роки тому +1

      @@cookwithdrbrooke Me too! His 600+ food budget made sense after that. My food budget is only $300 and I live in an expensive city.

  • @AvaElizabeth
    @AvaElizabeth 3 роки тому +31

    I really appreciate his honesty and self-awareness. Thank you for your service JD!

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8:::::

  • @LRB9498
    @LRB9498 3 роки тому +7

    I love his positive attitude and I hope this was a good wake up call to learn to budget and save money. Hawaii is such an amazing place; so jealous he gets to live there! Also, I just want to make him a bunch of home cooked meals!

  • @harnessmoney
    @harnessmoney 3 роки тому +23

    This guy has so much going for him. Veteran, Teacher, Entrepreneur. And he gets to live in Hawaii. He could totally crush it if he just focused on reducing those expenses some and starts investing.

    • @oceansky6207
      @oceansky6207 3 роки тому

      He's handsome, tall, and white. He can do much better.

    • @juliea.hansen8875
      @juliea.hansen8875 3 роки тому

      But how do you learn to invest? I've lost so much due to bad advise.

    • @harnessmoney
      @harnessmoney 3 роки тому +1

      @@juliea.hansen8875 There are so many resources right here on UA-cam. You could also just invest in an index fund like VTI and sit back and relax.

    • @juliea.hansen8875
      @juliea.hansen8875 3 роки тому

      @@harnessmoney what is VTI?

    • @danteamodeo1061
      @danteamodeo1061 Рік тому

      @@juliea.hansen8875 The ticker (name) for a fund. Look up Boggle Heads

  • @alexw322
    @alexw322 3 роки тому +116

    So between this and the family from Hilo a couple months ago I hope people get the message that making it in Hawaii is tough!

    • @alohaazzie8462
      @alohaazzie8462 3 роки тому +12

      They won’t, they’ll think they’re something special and exceptional and still end up moving here and complaining about how expensive it is

    • @hawaiiansoulrebel
      @hawaiiansoulrebel 3 роки тому +5

      As someone born and raised here in Hawaii, I can attest to the fact that it just keeps getting more expensive.

    • @romelgaspar883
      @romelgaspar883 3 роки тому +5

      Making it in Hawaii is very tough, born and raised on Big Island, now living in Oahu. Things get more and more expensive

    • @wavyhanzo
      @wavyhanzo 3 роки тому +3

      If you have no special skill sets or experience I could see how it could be rough.

    • @hawaiiansoulrebel
      @hawaiiansoulrebel 3 роки тому +1

      @@wavyhanzo Do you live in Hawaii? Are you speaking from experience?

  • @athletescollective4214
    @athletescollective4214 3 роки тому +5

    If you're reading this JD, first of all props for doing what you're doing. Second, an easy way to save a few hundred a month is to literally cook every meal you eat. This doesn't mean eliminating snack here and there or morning coffees, but you can probably save $300 a month by breaking your uber eats habit. I started doing this 3 months ago and literally saved $350 a month on my food bill. The toughest part for me was making my own coffee and breakfast every morning which I never used to do. I would eat out breakfast 4-5 days a week. Breaking that habit is the first step, then I moved to making my own lunch ($10 + a day savings). At first it was a big sacrifice but after a few weeks I got used to it. Yes it did deprive me of some of my favourite foods, but I became a better cook, ate healthier and felt amazing about saving all that money. Hope this helps. Cheers.

  • @molly139
    @molly139 3 роки тому +22

    He should move in to an apartment with roommates. That way, he would have an equipped kitchen that he can cook in to save money.

    • @bettywith2girls
      @bettywith2girls 2 роки тому

      I'm guessing him and his girlfriend will be moving in together as soon as she gets to Hawaii, where she is moving to.

  • @JJ-yu6og
    @JJ-yu6og 2 роки тому +2

    This is one of the best videos in this series!!! 😀 His joy and genuineness come through!!! We need more people like him in the world!! P.S. Please feature "older" millennials!!!

  • @miriamstrauss
    @miriamstrauss 3 роки тому +188

    If you’re reading this - in case anyone hasn’t told you yet today - you have the potential to be great, successful, and happy! Keep on going! I believe in you 🙌🏻

  • @ananyav3395
    @ananyav3395 3 роки тому +9

    WOW! Great episode! Awesome story of the guy:)

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8:::::

  • @WeLoveRey
    @WeLoveRey 3 роки тому

    teachers are literally my favorite! i love this.

  • @dasheight203
    @dasheight203 3 роки тому +3

    One month till I move to Kailua, Oahu! I can’t wait! I’m really excited.

  • @vincecastillo4962
    @vincecastillo4962 3 роки тому +34

    I like these episodes because they are real and relatable. Good work!

  • @DavidNassau
    @DavidNassau 3 роки тому +10

    Multiple Sclerosis is no joke. Some treatments may cost $60k+ per year!
    My dad has been battling MS for ~15 years with no cure in sight..
    Great video. Seems like a great guy and I wish him all the best!

    • @Tabbylover55
      @Tabbylover55 3 роки тому +3

      Your comment resonated with me, and I wish your dad the best quality of life possible. MS is an awful disease, I hope we get to see it eradicated in our life time.

    • @DavidNassau
      @DavidNassau 3 роки тому +2

      @@Tabbylover55 you and me both, my friend. Thank you for your response and I wish the best for you & your family as well!

  • @luvndrip9703
    @luvndrip9703 3 роки тому +1

    Congrats for creating your dream life! Thanks for the video as well - Aloha

  • @pablovint
    @pablovint 2 роки тому

    I really like these videos way better. They feel more authentic and relatable

  • @livetosmileandlaugh5368
    @livetosmileandlaugh5368 3 роки тому +4

    Thank you, JD, for being honest and telling your story. Most Americans are struggling with their finances. With the right direction, we can all make it through. :)

  • @makemoneywithsense8476
    @makemoneywithsense8476 3 роки тому +52

    I wish they would've spoken more about retirement savings. I understand his teaching job may be new, but military service members are eligible for the Thrift Savings Plan (TSP) and he served for a few years. It sounds like he may have previously liquidated that account.

    • @haute03
      @haute03 3 роки тому +1

      I was curious about this as well.

    • @alohaazzie8462
      @alohaazzie8462 3 роки тому +1

      He either liquidated it or never invested in it at all

  • @ysa7823
    @ysa7823 3 роки тому +2

    I sincerely hope his company, Lead U, can pick up right where it left off. And I wish him happiness and success 😊

  • @socaldude83
    @socaldude83 3 роки тому +1

    Good for him for not letting this bring him down even more than he already was.

  • @adjoaaa8431
    @adjoaaa8431 3 роки тому +14

    Great attitude and seems very self aware. Seems like he has made the most out of a number of difficult situations and hasn't let it stop him from moving forward. These types of people are always successful.

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8:

  • @benjithedog
    @benjithedog 3 роки тому +8

    This guy's doing the right thing building his CV by teaching in Hawaii for a year.

  • @vivieni7920
    @vivieni7920 3 роки тому

    This guy has such a great attitude and outlook- I love it

  • @lindaakinbusuyi-wilson5957
    @lindaakinbusuyi-wilson5957 9 місяців тому

    This man is honest about not being so responsible with his money, and I appreciate that. I myself have never had a good foundation with money, and now married with a kid on way, I am playing catch up to teach myself all I can about money. Thank you for being honest

  • @TonyaS
    @TonyaS 3 роки тому +7

    I LOVED this episode. I appreciate the honesty and humbleness of this guy and I LOVE what he's doing with his work and really hope it's successful. I'll follow their Instagram and would love to support them somehow. Being good with money is not a linear process. There are highs and lows and ups and downs, and even when you "know better" sometimes it's hard to "do better." What a positive, cool guy who I wish nothing but great vibes and success!

  • @domesticmamaasmr2251
    @domesticmamaasmr2251 3 роки тому +3

    Inspiring story, this man has given back so much.

  • @swiftassociates
    @swiftassociates Рік тому

    This dude is super humble and making a difference. Wishing this guy the best of luck.

  • @missfredmusic3707
    @missfredmusic3707 3 роки тому +57

    Love it when you feature teachers on Millennial Money. We don’t make a lot but we make a difference and that’s worth more than millions. ❤️

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8:

    • @4islandbeauty
      @4islandbeauty 3 роки тому +2

      Absolutely agree, I have plenty of teachers in my family and the impact you all have on the lives of students is profound, thank you for empowering minds.

    • @missfredmusic3707
      @missfredmusic3707 3 роки тому

      @@4islandbeauty That is so kind, thank you!

  • @oddsummusic9110
    @oddsummusic9110 3 роки тому +4

    wishing this guy nothing but the best. so chilled. just going with the flow..

  • @jeanetteortiz2220
    @jeanetteortiz2220 3 роки тому +3

    I love this episode. its so relatable haha

  • @grayonthewater
    @grayonthewater 3 роки тому +5

    Thank you for your honesty it makes me feel less alone🙌🏽 I feel so stupid by not having it together financially but I’ve been working on it the past couple years and sometimes it’s disheartening to see how far behind I am but I appreciate someone else sharing that they are right there with me. (Although I don’t even have food delivery apps cuz I don’t have a budget to get to go food very much in the first place, so at least I have that 😂)

  • @thomasron8513
    @thomasron8513 3 роки тому +50

    Hi Mrs Jane is legit and her method works like magic I keep on earning every single week with her new strategy

    • @kamiltermil7153
      @kamiltermil7153 3 роки тому

      Wow I' m just shock someone mentioned expert Mrs Jane I thought I' m the only one trading with her

    • @kamiltermil7153
      @kamiltermil7153 3 роки тому

      She helped me recover what I lost trying to trade my self

    • @jeanne2238
      @jeanne2238 3 роки тому

      Thanks for introducing me to Mrs Jane

    • @kristen374
      @kristen374 3 роки тому

      Yes I' m also a living testimony of expert Mrs Jane

    • @kristen374
      @kristen374 3 роки тому

      Mrs Jane is obviously the best, I invested $3,000 and she made profit of $28,000 for me just in 15 days

  • @JohnMikaelian
    @JohnMikaelian 3 роки тому +54

    He should delivering UberEats to pay off those student loans, not ordering.

    • @no1no1655
      @no1no1655 3 роки тому +1

      I agree he should at least do the math on that! Accounting for wear and tear on his vehicle, gas costs, etc, it could be at least stabilizing move.

    • @kronikakuma8
      @kronikakuma8 3 роки тому +1

      Yee and u should be eating less chubby cheeks..

    • @WhaddupImJohn
      @WhaddupImJohn 2 роки тому

      Truth. I doordash and make $25+ an hour

  • @emmanuelardama
    @emmanuelardama 3 роки тому +3

    Thank you for your service to our country.

    • @jaysoncasper6889
      @jaysoncasper6889 3 роки тому

      W•H•A•T•S••A••P••P•••
      +..1..7..1..7..9..3..4..1..2..3..9
      I•N•V•E•S•T••IN••BTC••C•R•Y•P•T•O•C•U•R•R•E•N•C•Y..

  • @koreancook
    @koreancook 3 роки тому +2

    After 30yrs in NJ I went to HI as well. Life has been a blessing since.

    • @jaysoncasper6889
      @jaysoncasper6889 3 роки тому

      W•H•A•T•S••A••P••P•••
      +..1..7..1..7..9..3..4..1..2..3..9
      I•N•V•E•S•T••IN••BTC••C•R•Y•P•T•O•C•U•R•R•E•N•C•Y...

  • @raymondcunanan1135
    @raymondcunanan1135 3 роки тому +1

    I love this episode! Wish he can start managing his finances because he deserves better life.

  • @tristanrodenhauser5267
    @tristanrodenhauser5267 3 роки тому +27

    This is so more real than some of the other episodes.
    He is living in paradise and making it work.

  • @archergg9226
    @archergg9226 3 роки тому +14

    I have one cup. His name is cup.
    Best line ever lol

  • @braddahg
    @braddahg 3 роки тому +1

    0:13 Yeah! Castles! Maybe I'll see Mr. Wilson out there. Great story, so realistic. Good to see someone from the same island on here showing how tough it is to make it here. Yes, folks, $1,600 is about the average decent studio. Kailua side ain't cheap either.

  • @mrxyz985
    @mrxyz985 3 роки тому +3

    This guy came to my middle school a couple of times back then. With his company Lead U.

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8:

  • @AntonChigurh989
    @AntonChigurh989 3 роки тому +22

    I paid a friend a visit a few weeks ago and he couldn't wait to show me a youtube video showing "the world most expensive house" I was not interested in what I saw at all. Stories like the one above are what I am a lot more interested in.

    • @issecret1
      @issecret1 3 роки тому

      That house is boring anyway

  • @alensufli
    @alensufli 3 роки тому +76

    I don’t know why but this video has helped me to get out of depression moments ago.

    • @miriamstrauss
      @miriamstrauss 3 роки тому +4

      That’s good

    • @happinessiallyouneed
      @happinessiallyouneed 3 роки тому +3

      Yay!

    • @Brokeloco
      @Brokeloco 3 роки тому +1

      It’s , Hawaii that’s why.. stress just goes on vacation ..

    • @jch010
      @jch010 3 роки тому +1

      Hawaii will do that, strongly reccomend

  • @janefromthecountry1820
    @janefromthecountry1820 3 роки тому +1

    Inspiring testimonial! Thank you for serving in the military!👏👏

  • @soyou4217
    @soyou4217 3 роки тому +1

    believe in yourself!! i was in debt way over my head but once i understood finance, i worked on it. and it got a lot better.

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8..

  • @CharlieChang
    @CharlieChang 3 роки тому +62

    This guy is awesome. Love to see what he's doing!

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8:

  • @patrickallen1760
    @patrickallen1760 3 роки тому +32

    Despite the student loan debt, this guy is gonna be fine. His look on life is dope. He's lived a more fulfilling life than most ppl with a bunch of money.

    • @Brokeloco
      @Brokeloco 3 роки тому

      Very true, but nobody asked the real question. We all know that schools didn’t teach us about money. But here is the real question where is the money and why hasn’t it changed millennials quality of life???

    • @WhaddupImJohn
      @WhaddupImJohn 2 роки тому

      @@Brokeloco gotta work for it, it aint going to just fall in your lap. When opportunities arise, take them

  • @WICKMANMITCH
    @WICKMANMITCH 3 роки тому +3

    Truly wish him all the best ❤️

  • @kimberly77ish
    @kimberly77ish 3 роки тому +50

    He has ONE CUP and sleeps on an air mattress, but spends $350 a month on Uber Eats???. He definetly needs to learn how to budget and manage his money. Dave Ramesy and Suze Orman helped me. Next month I should be finished paying off my Student Loans. I was originally in$55,000 of debt. It's been a journey to discipline myself and pay it off, but I'm glad I did.

    • @haute03
      @haute03 3 роки тому +2

      Congrats on finishing up your debt free journey!

    • @eaqua56
      @eaqua56 3 роки тому +1

      Should def take time out to prepare food

    • @kimberly77ish
      @kimberly77ish 3 роки тому +1

      @@haute03 THANK YOU!! I'm so excited:-)

  • @EAAAA1505
    @EAAAA1505 3 роки тому +36

    He has the most beautiful eyes.

    • @hotandsour100
      @hotandsour100 3 роки тому

      You should date him

    • @EAAAA1505
      @EAAAA1505 3 роки тому

      @@hotandsour100 I would but unfortunately, he is not single. He introduces his girlfriend at the end of the video.

    • @hotandsour100
      @hotandsour100 3 роки тому

      @@EAAAA1505 I have nicer eyes....and I'm single.....just saying

    • @EAAAA1505
      @EAAAA1505 3 роки тому

      @@hotandsour100 picture? I do want a conservative man though. I want a good family man.

  • @oco987
    @oco987 3 роки тому +55

    Get a mattress love. You need that. It’s important for your back and neck. I used an air mattress for a long time. It hurts your neck after a while

    • @willwin43
      @willwin43 3 роки тому +4

      Stop the Uber eats for two months and cook. Save money for a nice mattress. Self accountability is important

    • @anakitasmiles3261
      @anakitasmiles3261 3 роки тому

      Sleeping on the floor is great in for your back. I've been sleeping on the floor for a while (no mattress just some folded up comforters)

  • @devonforsure260
    @devonforsure260 3 роки тому +1

    Mans has humbled his soul. Good on him

  • @soysaucetina
    @soysaucetina 3 роки тому +1

    i luv his energy fr

  • @alley5869
    @alley5869 3 роки тому +14

    "Put your passion over your paycheck." This quote can get a little extreme at times and results in a poor quality of life. Maybe people should start finding ways to combine their passion with their pay checks instead.

  • @ZoeClaire
    @ZoeClaire 3 роки тому +22

    Waiting for Graham Stephan's reaction lol

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8::::

  • @CalebOliver
    @CalebOliver 3 роки тому +1

    This is great! I wish this man well!

  • @thrillhouse22
    @thrillhouse22 3 роки тому +1

    Great story and wish the very best for him.

  • @aldralee
    @aldralee 3 роки тому +4

    Dude needs a mentor! If he can make it through boot camp and multiple tours, he can get control of his spending and better manage his finances. Seems like he’s a late bloomer who will find his way. Hoping that insanely gorgeous girlfriend is a saver and they pave a path to financial abundance and security. 🤞🏼

  • @TFlowers
    @TFlowers 3 роки тому +11

    What a handsome intelligent guy!!!! Thank you for your service.

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8::::

  • @geraldswanson
    @geraldswanson 3 роки тому

    I lived in Kailua for 3 years when I got stationed there in the Marines. I know that isn’t much money in O’ahu! Got hooked on surfing. Changed my life!

  • @yasssgawwwd5643
    @yasssgawwwd5643 3 роки тому +1

    Admirable. I live in Hawaii Kai and taught myself Trading Options on Nasdaq. Living in Hawaii means waking up at 3am F0r Pre-market. I saw your Td ameritrade card. You probably already trade.

  • @alohaazzie8462
    @alohaazzie8462 3 роки тому +48

    So another mainland person about to either move back to the mainland in about 2 years or end up homeless on the beach. Kailua is notoriously expensive

    • @haute03
      @haute03 3 роки тому +5

      I'm glad someone else said it because...yeah.

    • @jch010
      @jch010 3 роки тому +4

      If only he was paid a respectable salary. A man who has fought for the country and educates the next generation shouldn't have to live like this.

    • @justicejoycetv
      @justicejoycetv 3 роки тому +3

      @@jch010 Hmmm mmm and let's be real... *no one should be the "Working Poor." If you work within these United States then you should be able to maintain a lifestyle of housing, food and health without dire straights thrust upon ya. Including all these folks working multiple jobs.*

    • @sundinfamforlife4129
      @sundinfamforlife4129 3 роки тому

      @@justicejoycetv no one should but until minimum wage is increased the working poor will contuie to exist

    • @justicejoycetv
      @justicejoycetv 3 роки тому

      @@sundinfamforlife4129 which is so jacked up.

  • @no1no1655
    @no1no1655 3 роки тому +5

    girlfriend moving out should help. A side job for her will make a diff. Lived on Kauai 5 years. Hawaii is expensive, but worth it at some point in one's life for almost everybody!

  • @ethioronswanson5771
    @ethioronswanson5771 3 роки тому +1

    Very relatable; I hope that finance and Money management classes were taught in high school.

    • @kevindavid827
      @kevindavid827 3 роки тому

      I have something real big I would love to introduce you to
      +:',,1:',,5,,"1"',,8:,,"7,,''2:,,"2:""4':, 6:,,4 :,,:8..

  • @Tom_from_Midtown
    @Tom_from_Midtown 3 роки тому +2

    This dude is so real - cracked phone screen, and all!