Just wanted to come on here and say that I knew Miki in high school and she was one of the hardest working people that I knew at the time. She made sacrifices and worked smart. She's not just someone who has privilege (though it might come across like that in this video especially considering she doesn't mention student loans) as she has earned everything she has worked for. Congrats on all your success Miki, much love!
@@alexcr3053 can’t be mad at ppl for basically having basic things ?? I’m sorry a parent being good to their child is the bare minimum. It’s sad when that can’t be the case but can’t be pointing fingers at ppl who got that from their parents
I liked that you taught us the old school style, not thru cryto and nfts. Because not everyone is into virtual currency. And when you got your savings the first thing you bought is a house. Way back 2018, I was 24 too and the first investment I made was a hilltop vacant lot. Been paying the mortgage ever since and Im almost there, with my soon to be husband.
I completely agree. The first $100k was the toughest, and I didn't really start seriously investing until I was 30 back in 1998. Today, I'm 55 and have a decent $1.2M nest egg thanks to my fa Olivia Rene Reyes. After learning all of this, my only regret is not starting earlier when I was 25. It may not seem like much but those extra 5 years are the most important.
Thanks for this gem, financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future so i respect people that don't mind sharing some tips
I’m a senior in highschool taking Financial Literacy and everything Miki said is exactly what my teacher taught us !! This is really good advice that can take your finances to the next level. Thank you sm for sharing
Miki has been working and saving since she been 16 years old, putting in the WORK and budgeting for yearsss it’s not all about having a big income and being an influencer. There’s people with a huge income but barely have any savings bc it’s about money MANAGEMENT. Vids like these should help you look past “people have privilege” and learn how to navigate your own personal money management. Sacrifice yields results, it’s all about how you approach such concepts. Thank you Miki for sharing your experience to hopefully inspire others!!
Her schooling was obviously paid for by mommy and daddy. That's privilege. I also started working at 14, saved a boat load through high school and it got completely wiped out with tuition costs. Not all of us have a golden parachute waiting from family.
@@gld.trader_It’s still better than being in debt. Having basic things should not be shameful. I'm sorry a parent being good to their child is the bare minimum. But people like to point fingers and put blame on unrelated people.
I know a lot of people are probably paying their student loans for years to come. One advice I can give is that, if you can, please try to go for community college to get as many general requirement classes out of the way as you can. In many cases, a community college offers smaller environment than a university because it's generally about 30 - 40 students per class, instead of 200-300 students you would get at a university. Plus, it's WAY cheaper. Even if you were to start as freshman in a university, you're still taking all the GEs your first two years, except you're paying hundreds of dollars more for a classroom size of 200+ students where the professor probably doesn't even know your name. I went to a community college in California back in 2011 and I was only paying $50 per semester while taking full unit (around 16 - 18 units per semester) because of the waiver I was able to get through State of California. Then I transferred to a university for the upper division courses. I was able to save a lot of money this way and avoided student loans.
I’m in community college now and I have to say it is cheaper and way more saving wise to go community then university. They are paying me to go to school instead of me paying them
college is a scam. Just go to trade school. Start making money from a 9-5 job, and invest half of your income into Bitcoin every month for the next 5-10 years and you can retire in your late 20s or early 30s. College are for people who want to be a slave to the system. Do you really wanna be working a 9-5 and still be paying off student loans until you're 60?
@@Hboogie182 You can say university is a scam, but I only paid approximately 9k out of pocket for a bachelors. Granted, if I didn't have the scholarships I had, it would've been around 20k, but my friend who finished his compsci degree is earning about 90k salary, immediately out of school. He interned and self studied many hours while attending university and working full time, and finally landed a job at a small software firm near where we live. There's a lot of opportunities to take advantage of that many americans seem to not realize. AP/IB courses in highschool accelerate your ability to skip generic education courses and electives that serve as buffer in many universities, and there's also opportunities such as CLEP testing, which allow you to test out of classes you already studied by yourself for, or have had previously learning regarding. I myself tested out of over 30 credits worth of courses and electives via CLEP testing, and skipped another 27 credits worth of courses via AP exams and concurrent enrollment courses I had taken in highschool. I finished university in 5 semesters, even taking a semester abroad to help my family. I am now in a postgraduate program for medicine, and expect to be making approximately 100-125k per year after finishing school in 3 years, with only an estimated 70k in debt. Going to trade school is valid, but university is meant for those who seek to pursue higher education and will actually apply their degrees. I agree that university is a waste of money if you intend to receive a degree in dance anthropology or other generic degrees that often do not have a set future path in mind, but STEM majors and those who have an idea of how they may want to apply their degree and learning will benefit. Respectfully, Ryu
She does a good job explaining how to focus on what you need rather than what you want. I don’t see any repayment of school loans. I’m guessing that her family paid for college? Not many 20 something’s will have a $100,000 job and no college debt. It will probably take most people a lot longer to save that much, but we all have different situations. A lot of her viewers are probably well served by her focus and her fiscal discipline.
She said her parents sold their house in Cupertino in an old vlog which is a very very expensive part of northern California. So yeah she comes from well off family. She did get into UCLA nursing right out of high school which is not easy at all and obviously put into work for youtube. Student loans can really screw people over so any one without them is already ahead.
I also graduated with zero loans. I went abroad for college in Europe where college is WAY cheaper and amazing. I worked 20 hours a week while studying to pay my rent and tuition fees. Now I have a full time job and no loans to pay back. If I had stayed in the US I would have had huge loans.
I believe what she’s doing is totally doable. I come from a not so wealthy family and graduated without any debt because my college provided lots of scholarships. I’m not sure how things are now but I’m 4 years older than her and when I went to college it was not uncommon for people to get free tuition if they had high SAT scores and good grades.
Just want to tell everyone not to compare yourself to her. It is a great video for someone in her situation but the average person making minimum wage makes around 20k a year which means you would have to save 100% of your salary for 5 years to save this. Also, if you graduate at 22 and have student loan debt and an average starting salary you will likely not even make 100k the first two years after graduation. I think it is supposed to be motivational though so take it with a grain of salt and adjust it to your life situation!
i can see people commenting how she didn't mention about student loans. i think this video can be informative for the following reasons: 1. try to see where you can lower your expenses by looking at how much you have been spending in each categories (i spent more time making food at home than eating out) 2. try to find a side hustle and don't spend that money on your necessities i tried to spend my necessities, including, student debts on my full time job and saved all of my money on my side hustle (which is a seasonal part-tim job). 3. have a savings account: i started off with a regular savings account because i didn't have the minimum amount to have a high yield savings account you may not reach the goal she did at her age because everyone's situation is different. instead of comparing, just remember everyone goes at their own pace and time i think these are good tips to start saving any amount for any age hope this helps!!
I’m 55 and so proud of you! I’m sending this video to my 19 yo son. You have great tips for saving. He’s a saver, too, and your wisdom might encourage him to take the next steps for making his money work for him. Great job!! ❤
Ps: hearing what he could or should do from Mom and Dad is one thing. Hearing it from someone who is young and smart, not to mention beautiful, might push him to invest faster. Thanks again!
The title it's already mind-blowing! Some people need 2 lifetimes to save that amount of money, imagine doing that by 24!! Impressive Miki and well done! 💯👏😌
I love this new financial content, Miki! I'm honestly glad that you didn't end up pursuing an MBA. You already have mad money skillz😉 Seriously, though, you have such a great understanding of cash flow, money allocation & investing, and business management. If you ever decided to go corporate or work in any kind of organization, any employer would be thrilled to have you & your business acumen!
Miki you literally always make THE MOST informative videos PERIODT like the practical value for this type of advice is through the roof thank you so much queen 💕💕
THE TIMING OF THE VIDEO COULDN'T BE MORE RIGHT. i had my pen and paper in hand. Looking forward to building my financial literacy this year and moving forward
question arise in my mind: 1) were you a registered nurse before you saved 100K? 1a) if so, how long were you a registered nurse? 2) what was your actual income during the period to 100K? Most videos like this are absolutely no help for anybody, though well intended. I have found that majority of these videos are like " _I paid off 180K of student debt in 5 years_ " but once you look into the story deeper than the, mostly bs, they feed you find out they make 200K a year and so they were actually could have paid it off in 3 years. Even at the lowest spending amount of $2050 a month I only know a handful of people that make that kind of money, and none of them are able to save anything close to what she is saying. I have a half-decent government job and i make a tad over 2200 a month. I literally never spend money on ANYTHING other than basic survival (except the twice or so times a year i go) out to the movies and have dinner with friends) and I have around 100 dollars a month I cna put back into saving. That will take me about 85 years to save up 100K, now If I made 100K a year that would only take me 16 months. But, not everybody is blessed enough to make 6 or more figures (my guess for her is $92,677,40 give or take 5.5K) But, I guess that is the trend, it is always these wealthy top 5%. thinking the average person can do the same thing. Yes, you can do the same actions, stop buying starbucks everyday, fix your own lunch, etc etc) but hardly anybody is going to be able to do at the same scale let alone time frame that videos like this one show.
It’s definitely doable to get a career without any student loans. I did my prerequisite courses at a community college which FAFSA helped me pay for tuition and books. My LPN program is 22k which FAFSA and WIOA are helping me pay for. And for RN I get a student discount at the same school if I bridge over to RN. I’d just need to find a job that does tuition reimbursement. It’s all about finding the right resources and keeping up with your grades. I’m grateful for that. You’re my role model ❤️
@@Matttrinidad08 I get pell grants from FAFSA which I don’t have to pay back. If I’m not mistaken they also do loans but I’ve never tried getting one. I don’t know much about that topic. You should definitely give them a call or talk to someone in the financial aid office at your school.
This video seems a little unrelatable? Sure the tips given are helpful to anyone in terms of money management, but a person who is saving up to $100,000 by the age of 24 is doing so because of privilege and not because of "financial literacy". This is no hate at all to Miki, I absolutely love her videos and she definitely worked hard for all she's achieved, but this video just came off weird to me.
99% of these type of videos are made by privileged and already rich people. They can't relate to people who are living paycheck to paycheck, with huge medical bills, rent, loans... Most people just _can't_ save because they have nothing to save. And omg "start a side hustle", these people just don't understand. These type of videos always give a vibe that if you are not saving you are dumb.
A little boastful. She have been boastful for a long time tbh. She would always made it be known she makes more money than kevin etc and she pays for everything etc
@@jigglypuff9007 I think part of that might be because a lot of people were saying that he was supporting her based on the stereotype of doctors being more well-off than nurses, and maybe... the stereotype of men taking care of their partners instead of the other way round. But apart from this, I won’t really comment haha because I’m not that sure of her character
What do you mean “privilege”?? You make it sound as if miki was born in a wealthy family and everything was given to her. Sure, she may be privileged NOW because of her financial stability that she worked for, but i think youre confusing “success” with “privilege”...
Thank you for sharing your knowledge and tips with us! I’ve noticed that you didn’t mention student loan debt…not too sure if your education was covered by your parents. However, in the case that it wasn’t, would you be able to explain how you tackled your debts in a video? Thanks again!
With a lot of overtime, RN can earn $120K easily, especially if she worked during the COVID time, traveling nurses contract during the time was really high.
The increase in nurses pay during covid is how she was able to save it. I know nurses making over 10k a week. That is not normal and her advice does not apply to the majority of people in United States. So if her down payment was in the 6 figures and she out down 20% that means her home cost at least 500k
Agreed! 22 yrs old and I made almost as much working 2 part time jobs while I was in college than I am now as a new grad teacher 🥲🥲 but eyyy, one can dream. One day, we’ll make 100K as teachers…🤣🥺
*If you're a traveling nurse who makes a good amount of money, have an established online platform that pays well, and a good amount of influence. I love your videos, but it kind of seems that very few people here will parallel your experiences. I realize this is probably meant to help, but I mean...it's also kind of missing the mark of your general audience.
Also the message is either increase your income or cut your expense. Most people, especially young adults this generation are not willing to cut expenses.
I suggest joining the military for a single enlistment. All the aggregate benefits and stability alone are well worth it. For example, you can do college afterwards with tuition 100% covered and on top of that you're basically paid to go to school.
I have been doing the same and have been conservative with money, but unfortunately, I have to take student loans so that I am able to go to pharmacy school (tuition fee is no joke) :( I’m just glad that I’m paying it off faster than most of my colleagues and cannot wait until I’m able to basically “restart my 20’s” with a clean slate. One of the things that I learned though and not regret doing is investing while still paying off my loans, of which I agree with Miki that time in the market is much more important than timing the market. ✌️
Thanks so much for sharing Miki! Absolutely TIME IN the market beats TIMING THE MARKET! I agree, you should always invest in what you know and are comfortable with rather than investing with money💰you might need in the near future! 😊
I’m a licensed stock broker and I can’t in good faith say those High Yield Savings accounts or CDs are worth it in this economy with high interest rates bc you’d STILL be losing money to inflation. A lot of this advice was cookie cutter but given market volatility I can see why she thought this way.
I agree entirely. Leaving money in savings accounts and certificates of deposit isn't the way to go in this rapidly changing economy. Investing in REITs or coins such as BTC/ETH may serve to be a better alternative for a long term investment strategy. Still, props to her. 100k at 24 is impressive.
@@ChiaSeedDumpling looking at the market now and where it’s going, do you still believe in investing in those things at this time? I don’t know much about investing but I have a lot of money I wanna invest for the future
@@DreamDear If you have disposable income or cash you have laying around, investing into REITs right now would probably be not the best call with the current housing market, but right now is prime time to buy BTC/ETH, if you can invest and hold for around 5 to 10+ years. I fully believe BTC will hit 80-100k within the next 10 years, but we will have to see. :) Keep in mind, I am by no means a financial expert, I just research independently and do my own study into finance. Please be safe and invest within your means to support yourself as well!
I haven’t fully watched yet but I just want to say for those out there watching, it’s ok if you can’t do this. No matter how hard working you are, there are privileges and such that you have to have to do this and that’s ok if you don’t. Times are wild right now, so please enjoy life. For the average American, this isn’t possible. Sometimes these UA-cam videos can show us how out of touch some people can be. Also with so many people unemployed or disabled due to Covid, it’s even harder. So, if this isn’t your path, you are NOT a failure.
Have you even tried? Have you even tried to know what you are capable of? Stop worrying scout others and confront your limited thinking. Anything is possible. You might save $350,000. We don’t know what we can truly do.
Do not limit yourself. If you dedicate yourself, you can do it. I started doing similar things she has done and I am super close to saving that amount as well.
Joining the military for a few years also prevented me from having student debt. It’s probably one of the coolest experiences I’ve had. Free travel to Europe, free college, free medical coverage, free housing/food, free utilities, automatic retirement fund, premium credit cards like American Express Platinum with $0/year annual fee during active military service. Not a bad gig for young people looking to start their adult lives while developing soft/hard skills in any civilian-equivalent field, not having any debt, and having a guaranteed paycheck for a few years while studying and working abroad, or in states.
Seriously more people le need to watch this especially in this modern day where a good portion of the globe is absolutely faced with a massive financial crisis
Just opened a Marcus savings & CD account! i’ve been looking at it for a while but seeing that you also use them makes me feel better about. thanks for this video! hope to learn more finance and adulting with you!
Congratulations on your achievements, Miki, and thank you for generously sharing them with us. I'm eagerly anticipating more financial videos from you in the future.
Omg!!! You’re in Seattle!!!! This is so fricken cool. I literally love your videos. Thank you for always putting a smile on my face. I love that you’re uploading stuff like this. It makes me so excited to follow your journey. Get itttt gurlll!!! Much love from Mukilteo
It makes no sense to give this advice when you are an influencer. Most people don't have your kind of cash flow. Most of you UA-camrs give advice that's clickbait and useless.
These tips and tricks are still applicable to non-influencers. Simply having a high yield saving account is a good idea, and knowing how much taxes will be taken out of your paycheck is also valuable information.
I am not an influencer and was able to save ~$400k (including 401k matching and Roth IRA) by age 29 as an engineer. I bought my first home at 27. Saving $ is possible if you prioritize appropriately. I have friends who make less and spend more than me, and they choose to only focus on the former for why they can’t buy a home.
Best way to save money is to get a job outside of the states. Companies pay for housing, transportation, and you don't pay taxes on money earned if you are out of the country for 11 months.
I started investing when I was 35, mostly through sweat equity. I just turned 40 and this last month was the first time that my passive income broke $100k for the month. This is solid advice! DO IT! You don’t have to get rich quick, you just have to get RICH no matter what.
This is superb! information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor ?
Yes,.I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep.That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor..
The Adviser I'm in touch with is ‘’Aileen Gertrude Tippy, He works with Wealth Management llc and interviewed on CNBC Television. You can use something else. for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.
I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
I feel like instead of CDs there’s more return on investment to invest the money in index funds (especially for your 401k and Roth IRA) like more than 6% vs 1% from CD. I think CD’s are good if you’re saving for a specific thing (eg vacation, home, car) because you know you’ll take it out in a certain amount of time, much earlier than retirement.
SoFi is a great one here in place of HYSA, their current Checking and Savings are set at 1% if you set up Direct Deposit which is even better than GS and most traditional banks. I highly recommend it. I recently moved most of my savings into account as account is FDIC ensured up to 500k.
Leaving your money in cash is actually more risky than parking it in index funds. That's because cash is guaranteed to lose value, whereas index funds always appreciates over time. Also keeping your money in index funds incentivizes you to hold it longer so you're less likely to spend it. If you hold a huge chunk of cash then you're gonna be tempted to spend it.
Right now, I'm saving mode for a car and a house in few years. I am saving everything I can. I can relate to you as investors. I'm playing as a safe to invest.
Thanks for the informative tips, Miki! 😉 Well, I also share your view in terms of effective spending and saving money 💵 in these challenging times and watching this video will make me wiser when it comes to spending.
I’m really curious about your MBTI personality, could you please tell us or make a video about you and Kevin’s MBTI test? It would be really interesting
These advices are really good. The only thing is some people live in a very different situation. Where some circumstances lead them to some financial struggles that they don’t even have the choice from the very beginning. Some people have to support families way back home. Some people ended up as single parents. Some people have to support siblings because parents are MIA. So to those who have extra money to save and invest, take advantage of it because you are blessed :)
Well, no duh this isn't going to apply to everyone's situations, but what you can do is adjust your goals and expectations to fit within your budget. She's not saying save 1 million dollars in six days if you work two days a year working at Starbucks ffs.
I realised US income is pretty high, but taxes are crazy high too. I pay about 2% taxes, but 20% of my salary goes to retire funds (money that I will never see again unless if I purchase property)
I am feeling a way because i am 24 don't have a house nor a career as well and due to anxiety i left nursing school to take a break ....... Rethinking my whole life because i tried saving and it did not work for me ):
Miki’s definition of inflation is wrong. Its not the fact that the $100 is worth less the next year, its that the amount of things (buying power) that $100 can buy is not the same as it was last year due to the increase in prices for things from inflation.
Actually insurance plans are a really good way to save up a great amount of money with a pretty good interest and there are also plans which allows you wantto take money from that plan with in 5 years thought partially . Hope it's helpful
OMG, I finally know now how I can keep track of my expenses 💪 my financial and spiritual ones! I am going to make flashcards since I don't like the digital app variations on which I am going to write down how much I earn and spent! I have bad spending habits and my financial spending habits mirror my spiritual ones 🙄 I always spend more than I earn; I will be honest when it comes to my spiritual income: my good deeds are always eaten up by my... err... bad deeds - But now no longer 💪 I am going to track everything from now on!💪 😎😎😎
love this! idk if this is in your niche but could you talk about the kinds of projects you could create as a side hustle and what websites to use? i know upwork is one but are there others that are potentially better?
Lol, $2k is just my rent and I have to pay that all by myself (also in Seattle). I really should get a roommate but it’s difficult to go from living by yourself to living with a stranger. Great job on all your achievements.
@@jml9550 Totally is. I save a good chunk to my 401k and IRA and a majority of my savings to house savings and decided living on 50% is good quality of life for me!
@@hruyle93 that’s great. As a dude approaching 50, I understand it is a balance btw saving and enjoying life. I feel the pain of paying high rent as well. Keep at it and you will get there.
What investment book do u recommend to learn more about investments or website. Many people mention to buy investment funds so how and where do u go about doing that. Or maybe u can do a video about it?
This is ridiculous. Her baseline is $4k+?! I make half of that a month. I can't afford "Take Out" so I guess this is obviously not meant for the audience of the lower or middle class.
Eh, if someone has the capability of robbing someone who lives no one near them, they would rob Donald Trump or Beyonce, not some random girl on UA-cam, lol.
@@Anonymous-mf8pd No one is going to mess with random people on UA-cam either, lol. Especially because you don't know if this person has an alarm system, or a vicious dog or you know, A GUN. Also, she could be in an apartment building on the 15th floor You need to stop watching TV. Breaking into people's houses is a risk in itself. No one is going to rely on UA-cam if they want to break into someone's house, lol.
How saved: work a real job, save 60-70% of your income, invest into things - let money work for you basically(not only crypto or stocks). Everything else is bullshit.
Helpful tips but average working people with a master’s degree or bachelors degree don’t earn this much money I think? I work as a consultant with a bachelors degree and I can only dream of your salary. Time to think about a UA-camr job 😅
Just wanted to come on here and say that I knew Miki in high school and she was one of the hardest working people that I knew at the time. She made sacrifices and worked smart. She's not just someone who has privilege (though it might come across like that in this video especially considering she doesn't mention student loans) as she has earned everything she has worked for. Congrats on all your success Miki, much love!
I'm sure she did but privilege plays a major role
@@bolderblood5240 ppl who always say this and don’t take anything in also don’t move forward for a reason
@thanh nguyen not necessarily super popular but definitely had her friend group. we were in a drama class together and she just fit right in
Lol easy when you have good parents and a social group that supports you.
@@alexcr3053 can’t be mad at ppl for basically having basic things ?? I’m sorry a parent being good to their child is the bare minimum. It’s sad when that can’t be the case but can’t be pointing fingers at ppl who got that from their parents
I liked that you taught us the old school style, not thru cryto and nfts. Because not everyone is into virtual currency. And when you got your savings the first thing you bought is a house. Way back 2018, I was 24 too and the first investment I made was a hilltop vacant lot. Been paying the mortgage ever since and Im almost there, with my soon to be husband.
Miki has explained in past videos that she has no student debt due to her scholarships. She has definitely worked hard
Mom and Daddy you mean
I completely agree. The first $100k was the toughest, and I didn't really start seriously investing until I was 30 back in 1998. Today, I'm 55 and have a decent $1.2M nest egg thanks to my fa Olivia Rene Reyes. After learning all of this, my only regret is not starting earlier when I was 25. It may not seem like much but those extra 5 years are the most important.
Another money wisdom i realized too late is that we salary earners need to understand that monthly income will not make you rich.
I did read about Olivia Rene Reyes on the web, quite a great resume she has
Thanks for this gem, financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future so i respect people that don't mind sharing some tips
Did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply.
SCAM
I’m a senior in highschool taking Financial Literacy and everything Miki said is exactly what my teacher taught us !! This is really good advice that can take your finances to the next level. Thank you sm for sharing
Miki has been working and saving since she been 16 years old, putting in the WORK and budgeting for yearsss it’s not all about having a big income and being an influencer. There’s people with a huge income but barely have any savings bc it’s about money MANAGEMENT. Vids like these should help you look past “people have privilege” and learn how to navigate your own personal money management. Sacrifice yields results, it’s all about how you approach such concepts. Thank you Miki for sharing your experience to hopefully inspire others!!
Exactly! People are so afraid to try at least try. BR open minded.
I did almost the same thing as Miki by the age of 24yrs old I saved over 100K . A lot of my places to hangout were local and free.
Her schooling was obviously paid for by mommy and daddy. That's privilege. I also started working at 14, saved a boat load through high school and it got completely wiped out with tuition costs. Not all of us have a golden parachute waiting from family.
@@gld.trader_It’s still better than being in debt. Having basic things should not be shameful. I'm sorry a parent being good to their child is the bare minimum. But people like to point fingers and put blame on unrelated people.
I know a lot of people are probably paying their student loans for years to come. One advice I can give is that, if you can, please try to go for community college to get as many general requirement classes out of the way as you can. In many cases, a community college offers smaller environment than a university because it's generally about 30 - 40 students per class, instead of 200-300 students you would get at a university. Plus, it's WAY cheaper. Even if you were to start as freshman in a university, you're still taking all the GEs your first two years, except you're paying hundreds of dollars more for a classroom size of 200+ students where the professor probably doesn't even know your name.
I went to a community college in California back in 2011 and I was only paying $50 per semester while taking full unit (around 16 - 18 units per semester) because of the waiver I was able to get through State of California. Then I transferred to a university for the upper division courses. I was able to save a lot of money this way and avoided student loans.
I’m in community college now and I have to say it is cheaper and way more saving wise to go community then university. They are paying me to go to school instead of me paying them
college is a scam. Just go to trade school. Start making money from a 9-5 job, and invest half of your income into Bitcoin every month for the next 5-10 years and you can retire in your late 20s or early 30s. College are for people who want to be a slave to the system. Do you really wanna be working a 9-5 and still be paying off student loans until you're 60?
@@Hboogie182 You can say university is a scam, but I only paid approximately 9k out of pocket for a bachelors. Granted, if I didn't have the scholarships I had, it would've been around 20k, but my friend who finished his compsci degree is earning about 90k salary, immediately out of school. He interned and self studied many hours while attending university and working full time, and finally landed a job at a small software firm near where we live.
There's a lot of opportunities to take advantage of that many americans seem to not realize. AP/IB courses in highschool accelerate your ability to skip generic education courses and electives that serve as buffer in many universities, and there's also opportunities such as CLEP testing, which allow you to test out of classes you already studied by yourself for, or have had previously learning regarding.
I myself tested out of over 30 credits worth of courses and electives via CLEP testing, and skipped another 27 credits worth of courses via AP exams and concurrent enrollment courses I had taken in highschool. I finished university in 5 semesters, even taking a semester abroad to help my family. I am now in a postgraduate program for medicine, and expect to be making approximately 100-125k per year after finishing school in 3 years, with only an estimated 70k in debt.
Going to trade school is valid, but university is meant for those who seek to pursue higher education and will actually apply their degrees. I agree that university is a waste of money if you intend to receive a degree in dance anthropology or other generic degrees that often do not have a set future path in mind, but STEM majors and those who have an idea of how they may want to apply their degree and learning will benefit.
Respectfully,
Ryu
@@Hboogie182 terrible advice lol.
Or just travel nurse and knock out that student loan in the first couple years. 🤷🏻♂️
She does a good job explaining how to focus on what you need rather than what you want. I don’t see any repayment of school loans. I’m guessing that her family paid for college? Not many 20 something’s will have a $100,000 job and no college debt. It will probably take most people a lot longer to save that much, but we all have different situations. A lot of her viewers are probably well served by her focus and her fiscal discipline.
She said her parents sold their house in Cupertino in an old vlog which is a very very expensive part of northern California. So yeah she comes from well off family. She did get into UCLA nursing right out of high school which is not easy at all and obviously put into work for youtube. Student loans can really screw people over so any one without them is already ahead.
she went to communityfirst I think. she only had a GED if I can remember correctly.
I also graduated with zero loans. I went abroad for college in Europe where college is WAY cheaper and amazing. I worked 20 hours a week while studying to pay my rent and tuition fees. Now I have a full time job and no loans to pay back. If I had stayed in the US I would have had huge loans.
I believe what she’s doing is totally doable. I come from a not so wealthy family and graduated without any debt because my college provided lots of scholarships. I’m not sure how things are now but I’m 4 years older than her and when I went to college it was not uncommon for people to get free tuition if they had high SAT scores and good grades.
In a previous video, she said she applied to as many scholarships as she could which helped pay for most of college for her
Just want to tell everyone not to compare yourself to her. It is a great video for someone in her situation but the average person making minimum wage makes around 20k a year which means you would have to save 100% of your salary for 5 years to save this. Also, if you graduate at 22 and have student loan debt and an average starting salary you will likely not even make 100k the first two years after graduation. I think it is supposed to be motivational though so take it with a grain of salt and adjust it to your life situation!
i can see people commenting how she didn't mention about student loans.
i think this video can be informative for the following reasons:
1. try to see where you can lower your expenses by looking at how much you have been spending in each categories (i spent more time making food at home than eating out)
2. try to find a side hustle and don't spend that money on your necessities
i tried to spend my necessities, including, student debts on my full time job and saved all of my money on my side hustle (which is a seasonal part-tim job).
3. have a savings account: i started off with a regular savings account because i didn't have the minimum amount to have a high yield savings account
you may not reach the goal she did at her age because everyone's situation is different.
instead of comparing, just remember everyone goes at their own pace and time
i think these are good tips to start saving any amount for any age
hope this helps!!
Woah. You had me at the title 🤯 as someone who is still navigating financial literacy THANK YOU for this video. So informative 🙏🏽💜
I’m 55 and so proud of you! I’m sending this video to my 19 yo son. You have great tips for saving. He’s a saver, too, and your wisdom might encourage him to take the next steps for making his money work for him. Great job!! ❤
Ps: hearing what he could or should do from Mom and Dad is one thing. Hearing it from someone who is young and smart, not to mention beautiful, might push him to invest faster. Thanks again!
How to save 100% of your income: get a remote job, live in your parent's basement and never leave the house.
Or get a good job, save and live within your means.
The title it's already mind-blowing! Some people need 2 lifetimes to save that amount of money, imagine doing that by 24!! Impressive Miki and well done! 💯👏😌
It's hard, but you can do it in 2 yrs as a travel nurse; this encompasses you still spending on daily living and living quite comfortable.
I love this new financial content, Miki! I'm honestly glad that you didn't end up pursuing an MBA. You already have mad money skillz😉 Seriously, though, you have such a great understanding of cash flow, money allocation & investing, and business management. If you ever decided to go corporate or work in any kind of organization, any employer would be thrilled to have you & your business acumen!
Asian skills ✨good at money
Basic budgeting isn't "mad money skills". This bimbo would flunk out of most masters programs. MBA LOL get over yourself
Not yet done watching but will definitely apply these tips even though I'm already in my early 30s! 🤑
Miki you literally always make THE MOST informative videos PERIODT like the practical value for this type of advice is through the roof thank you so much queen 💕💕
THE TIMING OF THE VIDEO COULDN'T BE MORE RIGHT. i had my pen and paper in hand. Looking forward to building my financial literacy this year and moving forward
question arise in my mind:
1) were you a registered nurse before you saved 100K?
1a) if so, how long were you a registered nurse?
2) what was your actual income during the period to 100K?
Most videos like this are absolutely no help for anybody, though well intended.
I have found that majority of these videos are like " _I paid off 180K of student debt in 5 years_ " but once you look into the story deeper than the, mostly bs, they feed you find out they make 200K a year and so they were actually could have paid it off in 3 years.
Even at the lowest spending amount of $2050 a month I only know a handful of people that make that kind of money, and none of them are able to save anything close to what she is saying.
I have a half-decent government job and i make a tad over 2200 a month. I literally never spend money on ANYTHING other than basic survival (except the twice or so times a year i go) out to the movies and have dinner with friends) and I have around 100 dollars a month I cna put back into saving.
That will take me about 85 years to save up 100K, now If I made 100K a year that would only take me 16 months. But, not everybody is blessed enough to make 6 or more figures (my guess for her is $92,677,40 give or take 5.5K) But, I guess that is the trend, it is always these wealthy top 5%. thinking the average person can do the same thing.
Yes, you can do the same actions, stop buying starbucks everyday, fix your own lunch, etc etc) but hardly anybody is going to be able to do at the same scale let alone time frame that videos like this one show.
It’s definitely doable to get a career without any student loans. I did my prerequisite courses at a community college which FAFSA helped me pay for tuition and books. My LPN program is 22k which FAFSA and WIOA are helping me pay for. And for RN I get a student discount at the same school if I bridge over to RN. I’d just need to find a job that does tuition reimbursement. It’s all about finding the right resources and keeping up with your grades. I’m grateful for that.
You’re my role model ❤️
Isn’t fasfa a student loan tho?
@@Matttrinidad08 no, you don’t pay them back. It’s a grant. But I think they do offer some types of loans as well.
@@MakeupNursing wait really? Because on my credit report thing it’s listed as “student loan” but then again
@@Matttrinidad08 I get pell grants from FAFSA which I don’t have to pay back. If I’m not mistaken they also do loans but I’ve never tried getting one. I don’t know much about that topic. You should definitely give them a call or talk to someone in the financial aid office at your school.
@@MakeupNursing how much in grants do you get? And do you get them every semester term?
Congratulations on your success and thanks for sharing this with us, Miki! I’d love to see more videos about finances from you in the future.
This video seems a little unrelatable? Sure the tips given are helpful to anyone in terms of money management, but a person who is saving up to $100,000 by the age of 24 is doing so because of privilege and not because of "financial literacy". This is no hate at all to Miki, I absolutely love her videos and she definitely worked hard for all she's achieved, but this video just came off weird to me.
99% of these type of videos are made by privileged and already rich people. They can't relate to people who are living paycheck to paycheck, with huge medical bills, rent, loans... Most people just _can't_ save because they have nothing to save. And omg "start a side hustle", these people just don't understand.
These type of videos always give a vibe that if you are not saving you are dumb.
A little boastful. She have been boastful for a long time tbh. She would always made it be known she makes more money than kevin etc and she pays for everything etc
@@jigglypuff9007 I think part of that might be because a lot of people were saying that he was supporting her based on the stereotype of doctors being more well-off than nurses, and maybe... the stereotype of men taking care of their partners instead of the other way round. But apart from this, I won’t really comment haha because I’m not that sure of her character
@@FC-eh7ll people already know residents don’t make enough $$$… she just made that up for content
What do you mean “privilege”?? You make it sound as if miki was born in a wealthy family and everything was given to her. Sure, she may be privileged NOW because of her financial stability that she worked for, but i think youre confusing “success” with “privilege”...
Thank you for sharing your knowledge and tips with us! I’ve noticed that you didn’t mention student loan debt…not too sure if your education was covered by your parents. However, in the case that it wasn’t, would you be able to explain how you tackled your debts in a video? Thanks again!
Age 24. Saved $100k. Graduated at 22? 30% tax? 30k expense? Income ~120k?
With a lot of overtime, RN can earn $120K easily, especially if she worked during the COVID time, traveling nurses contract during the time was really high.
I THINK SHE SAVED HER SALARY FROM BEING A NURSE AND USE HER SALARY IN UA-cam FOR PAYING HER BILLS. If that makes sense.
The increase in nurses pay during covid is how she was able to save it. I know nurses making over 10k a week. That is not normal and her advice does not apply to the majority of people in United States. So if her down payment was in the 6 figures and she out down 20% that means her home cost at least 500k
She’s in Seattle (where I live) and yeah there’s no way she got a house under 500k, probably more and likely had to pay over asking
Those are travel nurses you’re referring to.
She's still giving good advice. Specially cutting down on your expenses.
@Sandra Jefferson no she isn't they make over 10k a week so very easy to save money
@@jaxripper251 oh wow really? Do all nurses make that type of money?
As a 25 year old teacher I can only dream of one day making 100K 😂😭
Agreed! 22 yrs old and I made almost as much working 2 part time jobs while I was in college than I am now as a new grad teacher 🥲🥲 but eyyy, one can dream. One day, we’ll make 100K as teachers…🤣🥺
Haha
"how to save $100k by 24"...make a lot of money.
*If you're a traveling nurse who makes a good amount of money, have an established online platform that pays well, and a good amount of influence. I love your videos, but it kind of seems that very few people here will parallel your experiences. I realize this is probably meant to help, but I mean...it's also kind of missing the mark of your general audience.
Also the message is either increase your income or cut your expense. Most people, especially young adults this generation are not willing to cut expenses.
I suggest joining the military for a single enlistment. All the aggregate benefits and stability alone are well worth it. For example, you can do college afterwards with tuition 100% covered and on top of that you're basically paid to go to school.
I have been doing the same and have been conservative with money, but unfortunately, I have to take student loans so that I am able to go to pharmacy school (tuition fee is no joke) :( I’m just glad that I’m paying it off faster than most of my colleagues and cannot wait until I’m able to basically “restart my 20’s” with a clean slate. One of the things that I learned though and not regret doing is investing while still paying off my loans, of which I agree with Miki that time in the market is much more important than timing the market. ✌️
Most people out there have student loans to pay off
Super informative and agree with you as another nurse who's in the beginning stages of financial literacy!
Thanks so much for sharing Miki! Absolutely TIME IN the market beats TIMING THE MARKET!
I agree, you should always invest in what you know and are comfortable with rather than investing with money💰you might need in the near future! 😊
I’m a licensed stock broker and I can’t in good faith say those High Yield Savings accounts or CDs are worth it in this economy with high interest rates bc you’d STILL be losing money to inflation. A lot of this advice was cookie cutter but given market volatility I can see why she thought this way.
I agree entirely. Leaving money in savings accounts and certificates of deposit isn't the way to go in this rapidly changing economy. Investing in REITs or coins such as BTC/ETH may serve to be a better alternative for a long term investment strategy. Still, props to her. 100k at 24 is impressive.
@@ChiaSeedDumpling looking at the market now and where it’s going, do you still believe in investing in those things at this time? I don’t know much about investing but I have a lot of money I wanna invest for the future
@@DreamDear If you have disposable income or cash you have laying around, investing into REITs right now would probably be not the best call with the current housing market, but right now is prime time to buy BTC/ETH, if you can invest and hold for around 5 to 10+ years. I fully believe BTC will hit 80-100k within the next 10 years, but we will have to see. :)
Keep in mind, I am by no means a financial expert, I just research independently and do my own study into finance. Please be safe and invest within your means to support yourself as well!
@@ChiaSeedDumpling haha buddy retracted what he thought , dummy ahhh boyyyyy sit yo ahhh down
I haven’t fully watched yet but I just want to say for those out there watching, it’s ok if you can’t do this. No matter how hard working you are, there are privileges and such that you have to have to do this and that’s ok if you don’t. Times are wild right now, so please enjoy life. For the average American, this isn’t possible. Sometimes these UA-cam videos can show us how out of touch some people can be. Also with so many people unemployed or disabled due to Covid, it’s even harder. So, if this isn’t your path, you are NOT a failure.
Have you even tried? Have you even tried to know what you are capable of? Stop worrying scout others and confront your limited thinking. Anything is possible. You might save $350,000. We don’t know what we can truly do.
Do not limit yourself. If you dedicate yourself, you can do it. I started doing similar things she has done and I am super close to saving that amount as well.
Joining the military for a few years also prevented me from having student debt. It’s probably one of the coolest experiences I’ve had. Free travel to Europe, free college, free medical coverage, free housing/food, free utilities, automatic retirement fund, premium credit cards like American Express Platinum with $0/year annual fee during active military service. Not a bad gig for young people looking to start their adult lives while developing soft/hard skills in any civilian-equivalent field, not having any debt, and having a guaranteed paycheck for a few years while studying and working abroad, or in states.
sad I can't save because my money goes to my family since I have a sister who is sick. Need money for hospitalization
This doesn't include saving for retirement, IRA or 401k... That takes a chunk out of your salary...
Seriously more people le need to watch this especially in this modern day where a good portion of the globe is absolutely faced with a massive financial crisis
i just love Miki...she's so hardworking and smart!
Just opened a Marcus savings & CD account! i’ve been looking at it for a while but seeing that you also use them makes me feel better about. thanks for this video! hope to learn more finance and adulting with you!
Congratulations on your achievements, Miki, and thank you for generously sharing them with us. I'm eagerly anticipating more financial videos from you in the future.
Omg!!! You’re in Seattle!!!! This is so fricken cool. I literally love your videos. Thank you for always putting a smile on my face. I love that you’re uploading stuff like this. It makes me so excited to follow your journey. Get itttt gurlll!!! Much love from Mukilteo
Damn I wish I find someone like you.....intelligent,financially aware,also charming and pretty
It makes no sense to give this advice when you are an influencer. Most people don't have your kind of cash flow. Most of you UA-camrs give advice that's clickbait and useless.
These tips and tricks are still applicable to non-influencers. Simply having a high yield saving account is a good idea, and knowing how much taxes will be taken out of your paycheck is also valuable information.
I am not an influencer and was able to save ~$400k (including 401k matching and Roth IRA) by age 29 as an engineer. I bought my first home at 27. Saving $ is possible if you prioritize appropriately. I have friends who make less and spend more than me, and they choose to only focus on the former for why they can’t buy a home.
@@pbthefirst630 what kind of engineer job u do?
@@olympic-ass-eater structural engineer
Best way to save money is to get a job outside of the states. Companies pay for housing, transportation, and you don't pay taxes on money earned if you are out of the country for 11 months.
Can you show us HOW you’ve been investing as a semi beginner too
Just buy top 1 US stock every month. Currently, it’s apple. I did it for 3 years and yielded 20% return every year
More money, finance, investing videos please!!! ❤
Hi Miki! I truly love you and Doc Kev!!! I am from the Philippines and your videos really make me happy 😭😭💖💖💖
I started investing when I was 35, mostly through sweat equity. I just turned 40 and this last month was the first time that my passive income broke $100k for the month. This is solid advice! DO IT! You don’t have to get rich quick, you just have to get RICH no matter what.
This is superb! information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor ?
Yes,.I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep.That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor..
The Adviser I'm in touch with is ‘’Aileen Gertrude Tippy, He works with Wealth Management llc and interviewed on CNBC Television. You can use something else. for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.
I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
I feel like instead of CDs there’s more return on investment to invest the money in index funds (especially for your 401k and Roth IRA) like more than 6% vs 1% from CD. I think CD’s are good if you’re saving for a specific thing (eg vacation, home, car) because you know you’ll take it out in a certain amount of time, much earlier than retirement.
Oh my god, thank YOU SOOO MUCH FOR THIS VIDEO MIKI 🙏, im so greatful for this vid and for u and ur successes
This is very informative, Thank you Miki for sharing! Good luck to your savings and you definitely deserve all that you have.
SoFi is a great one here in place of HYSA, their current Checking and Savings are set at 1% if you set up Direct Deposit which is even better than GS and most traditional banks. I highly recommend it. I recently moved most of my savings into account as account is FDIC ensured up to 500k.
I'm happy I didn't skip this video! Thanks for sharing this! ❤️
Leaving your money in cash is actually more risky than parking it in index funds. That's because cash is guaranteed to lose value, whereas index funds always appreciates over time. Also keeping your money in index funds incentivizes you to hold it longer so you're less likely to spend it. If you hold a huge chunk of cash then you're gonna be tempted to spend it.
Stock drop a lot this year so far so she saving money right vs she lost money in the stock
@@alstonmiller212 yep. If she was planning to buy a home, leaving it in cash is safer. Than pushing it all in stock.
Ho about fixed deposit??
Right now, I'm saving mode for a car and a house in few years. I am saving everything I can. I can relate to you as investors. I'm playing as a safe to invest.
Thanks for the informative tips, Miki! 😉 Well, I also share your view in terms of effective spending and saving money 💵 in these challenging times and watching this video will make me wiser when it comes to spending.
I’m really curious about your MBTI personality, could you please tell us or make a video about you and Kevin’s MBTI test? It would be really interesting
Being an english tutor pays really well. One of the greatest side hustle.
These advices are really good. The only thing is some people live in a very different situation. Where some circumstances lead them to some financial struggles that they don’t even have the choice from the very beginning. Some people have to support families way back home. Some people ended up as single parents. Some people have to support siblings because parents are MIA. So to those who have extra money to save and invest, take advantage of it because you are blessed :)
Well, no duh this isn't going to apply to everyone's situations, but what you can do is adjust your goals and expectations to fit within your budget. She's not saying save 1 million dollars in six days if you work two days a year working at Starbucks ffs.
Thank you for this video Miki!
I realised US income is pretty high, but taxes are crazy high too. I pay about 2% taxes, but 20% of my salary goes to retire funds (money that I will never see again unless if I purchase property)
Dang her 401k almost as big as the incisors. Incredible
Easy to save money when you're making 10k a week as a nurse lol
Congress wants to eliminate that bro
That was traveling nurses contract during COVID. Not normal to make $10K a week as a RN during normal time.
I am feeling a way because i am 24 don't have a house nor a career as well and due to anxiety i left nursing school to take a break ....... Rethinking my whole life because i tried saving and it did not work for me ):
even tho i am only 14 (next friday) I still love this video, thanks for the tips
Get a good-paying job, live a minimalist lifestyle, hustle, and put away 55% of your income into investments
Miki’s definition of inflation is wrong. Its not the fact that the $100 is worth less the next year, its that the amount of things (buying power) that $100 can buy is not the same as it was last year due to the increase in prices for things from inflation.
Thats basically that... $100 will continue to decrease in value BECAUSE of the overall price increase
Real Q for americans; Why don't you study abroad, it's chaper than college in the US. ?
Actually insurance plans are a really good way to save up a great amount of money with a pretty good interest and there are also plans which allows you wantto take money from that plan with in 5 years thought partially . Hope it's helpful
Where is your sweater from?! So cute!
OMG, I finally know now how I can keep track of my expenses 💪 my financial and spiritual ones! I am going to make flashcards since I don't like the digital app variations on which I am going to write down how much I earn and spent! I have bad spending habits and my financial spending habits mirror my spiritual ones 🙄 I always spend more than I earn; I will be honest when it comes to my spiritual income: my good deeds are always eaten up by my... err... bad deeds - But now no longer 💪 I am going to track everything from now on!💪 😎😎😎
I spend 900 on electricity alone. Rent is shit too. I won't be able to do this
Appreciate you sharing your knowledge and experience ❤
*cries in broke ass med school and future loan debts
So many amazing tips and advice dropping straight gems 💎 cute sweater that you had on 👍🏾👏🏾🤗🥰❤️
So young & smart! Please make more finance videos!
The question is how do you make 100 000 $ a year as a nurse. I am a nurse too for 3 years now and I barely make 63-65
In Seattle and the Bay Area $100K RN are common, but cost of living is here as well.
love this! idk if this is in your niche but could you talk about the kinds of projects you could create as a side hustle and what websites to use? i know upwork is one but are there others that are potentially better?
How did you pay off student loans?
Miki! You should have included a referral link so u get a bonus on your account! I just signed up because of u and didn’t know I could help you out!
Lol, $2k is just my rent and I have to pay that all by myself (also in Seattle). I really should get a roommate but it’s difficult to go from living by yourself to living with a stranger. Great job on all your achievements.
Well life is about sacrifice and achieve that goal. Anyone can spend money, but keeping it is the hard part.
@@jml9550 Totally is. I save a good chunk to my 401k and IRA and a majority of my savings to house savings and decided living on 50% is good quality of life for me!
@@hruyle93 that’s great. As a dude approaching 50, I understand it is a balance btw saving and enjoying life. I feel the pain of paying high rent as well. Keep at it and you will get there.
Great valuable information and tips. Thanks for sharing.
Your so inspiring, I really want to get good with money and start saving.
What investment book do u recommend to learn more about investments or website. Many people mention to buy investment funds so how and where do u go about doing that. Or maybe u can do a video about it?
If you had $100k, don't put it in the bank to earn 0.5% pa. Invest it!
This is ridiculous. Her baseline is $4k+?! I make half of that a month. I can't afford "Take Out" so I guess this is obviously not meant for the audience of the lower or middle class.
Preach
She is a travel nurse and her boyfriend is a doctor. They both live in expensive metropolitan cities. Ofc it isn't for u lmao
love how you mention to cut your expenses
I wouldn't be announcing how much you have. You never know who's going to come after you
Eh, if someone has the capability of robbing someone who lives no one near them, they would rob Donald Trump or Beyonce, not some random girl on UA-cam, lol.
@@Kevin-sm8pn....those people are high profile people who are rich. No one is going mess with them because you are less likely to get away with it
@@Anonymous-mf8pd No one is going to mess with random people on UA-cam either, lol. Especially because you don't know if this person has an alarm system, or a vicious dog or you know, A GUN. Also, she could be in an apartment building on the 15th floor You need to stop watching TV. Breaking into people's houses is a risk in itself. No one is going to rely on UA-cam if they want to break into someone's house, lol.
BUY THE DIP
Okay but if you have a baby it costs for a single person 1grand a month on daycare ALONE
Where do you keep the savings?
How saved: work a real job, save 60-70% of your income, invest into things - let money work for you basically(not only crypto or stocks). Everything else is bullshit.
Helpful tips but average working people with a master’s degree or bachelors degree don’t earn this much money I think? I work as a consultant with a bachelors degree and I can only dream of your salary. Time to think about a UA-camr job 😅
You are so smart in your 20s!
try living in hawaii, average price for a house is over a mil
OmG Miki thanks so much ❤