Thank you so much to the CNBC team for this feature!! It was amazing to work with everyone - Bonny, Alex, Ernestine, Beatriz, Jennifer ☻ Feel free to comment any questions and I’ll do my best to answer them!
@Borat Sagdiyev Wait. Someone attributed her success to her own determination and commented that she is smart and humble, and you jumped to mention GOP? Wtf is wrong with you?
@@yasinm.3162 If they help her, she is not completely independent. She is hard working but don’t ignore the fact that she has support that most people wouldn’t be able to receive
lmao her success is from her parents. She'd be just another broke Singaporean if her parents weren't well off throwing opportunity after opportunity right in front of her
I appreciate her for acknowledging the privilege right up front. It doesn’t take anything away from her work ethic or ambition. It just helps us… as listeners… absorb her story more. We’re not distracted by what feels like gaps in the truth.
yeah but we were expecting her to say she's working hard to give back to the underprivileged but nah she wants more $$$ and status to prove she's "self-made" lmao
@@WiseOnion What about all the kids she tutors? Since they're willing to pay $67 an hour for her services, I'd assume they value what she does for them.
@@WiseOnion what could her critics offer that would make them over 90k per year? If your answer is void then she's entirely deserving of her income and whatever else she's able to get from selling her skills.
The comment section’s telling me that having parents help you financially is a taboo in this day and age. She’s determined and made good use of the resources passed down to her. I’d want to make sure that I can help my children out for the better every way possible. People are so mad.
I absolutely adore her! There is absolutely nothing wrong with being from privilege. That's what we're all trying to do for our kids. Respect people, wear your designer, stack your money, and work towards your goals.
@@Krynale Precisely, the rich usually help the poor the most. What I'm saying is-if you're not rich-being mad at the rich is not the same as actually caring for the poor.
@@fraybart The rich Bribes Politicians/presidential candidates behind our backs to avoid paying their fair share of taxes. The Rich are buying up homes across America, making it harder to achieve "The american dream" (BlackRock). The rich arent engaging in mutual aid like the middle class. Bootlicking is cancerous.
Thanks CNBC for shedding light... on the awesome work being down by millenials and Gen Z! Wishing our generations health, property, and success for the years to come. Awesome how Chloe navigated US to make the world her oyster!
I am glad that people are becoming more aware about their upbringings and socio economic advantages! People would have dismissed this 10 years ago and say just work harder. I am glad the times are changing
I was born into adjacent poverty. Lived in a studio apartment with my mother and sister. My mother worked a minimum wage job. We lived in a very poor town in Ohio. Some people actually do make it out of poverty. Don’t diminish hard work.
@@dustin7708 Nobody said hard work isn't important, just that earning a lot of money is much easier if you're already well off. Also, hard work alone isn't enough to just escape poverty in most cases. If you think otherwise, then your survivorship bias is showing.
Wow! Her parents must be so proud! She's so intelligent and down-to-earth. We need her to stay in Chicago after she graduates, she could help the city a ton.
One of the few people who recognizes AND acknowledges their advantages in life. And what that means in terms of working harder to deserve it. Wow. How refreshing!
What a good idea to use the skills she already has to create an awesome tutoring business! She paired what she knows how to do and found people that need that service.
I lover her self reflecting nature! She is so relatable and still hard working! As someone with ADHD it’s refreshing to see someone strive for their goals the way she does!
Successful people don't become that way overnight. What most people see at a glance-wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
I totally agree with you, the crypto currency market is the most profitable venture I ever invested in, I reached my goal of $500k yearly trade earnings. Setting realistic goals is an essential part of trading
Her parents are gems. She is so grateful and able to hustle for herself. Bravo. Wished I think like her and not wasted my parentsoemy in my 5 year in university. Lol
Chloe clearly is smart and hard-working but also self-aware enough to realize that part of her success also can be attributed to having a supportive family. (Fwiw, imo it's not that people dislike those with wealth or privilege but rather the fact that some, unlike Chloe, fail to acknowledge the role it plays in getting ahead.) Honestly, if I have kids in the future, this is pretty much what I'd want: a situation where they don't NEED to work hard but they have a solid work ethic and WANT to work hard. Also, is that Milo at 4:53? (Shout out to immigrants/kids of immigrants. IYKYK)
Probably my favourite video in this series to date. Very inspiring and fresh to listen to a 21 year old with such a great head on their shoulders. She’ll go far!!
For those that are considering international studies, in Australia you get a 2 year working graduate visa when you finish an undergraduate or postgraduate degree you don’t need to be sponsored by an employer unless you want to stay longer than that
In the US is similar. Everyone gets one year after finishing pretty much any kind of studies, but STEM gets up to 2 years. During this 2 years you need to find someone that will sponsor your H1B (10 years) or greencard (permanent resident). Chinese, indians, and some others have more difficulty tho because there's nationality-based quotas.
GenZ are freaking tech savvy and know how to make money. I swear as technology advances and matures, the kids get smarter. For example, there tens of note taking apps out there with endless integrations right now that I would have never imagined using when I was in school.
This isn't one that should have made CNBC. Child gets schooling paid. Allowance given monthly. If she had put the profits from her work (YT+Internship+Tutoring), then paid for her international studies in the US, then we should calculate the remainder. This should then be made into a CNBC if she's able to survive without her parents "free money", or better yet, take out US based loans and discuss how she snowballs the debt down while tutoring and other stuff. This Z'er episode is not accurate (imo).
Most of the international students I knew relied on their parents financially and yes, that astronomical tuition fees are about right. You will pay that much for tuition, graduate, and struggle to find a job that will SPONSOR you for a work visa which is only available for a limited amount and lottery-based during my time. IF you're somehow lucky enough to get all that, then the clock starts for you to get SPONSORED for a green card or you have to go back to your home country.
Do you know anyone that has gotten sponsored for a full time job? I only ask bc my gf has a degree in chemical engineering and she is going through a very stressful and frustrating time trying to find a job to work at, due to the sponsorship of the work visa ://
I honestly don’t understand how can she be so open about her income in the video given that it is ILLEGAL! As international student based in the US you are not allowed to work, even remotely and for another country. Sometimes students do that because they struggle with money but they usually hide it.
@@elizavetabelova6525 My takeaway is that she's being paid in CNY in China, and the money is somewhat difficult to transfer to the U.S. So when she says she "saved" for $1.5k heels, that was clearly a lie. The reality is that her parents send her a lot of money each month guaranteed. She's acting like she's hustling, which is far from the truth.
@@Relav1 yes it seems like that. Also, she replied to me saying that she doesn’t see all of her money, this is how she is able to bypass proper work authorization in the US.
It’s also about your network of clientele. If your clientele is paying an average of 6k/year in tutoring, you’ve got a fairly exclusive market. The moral of the story is to focus on a network of people that will put wins in your sales and that appreciate the value you bring them.
FYI: It’s illegal for international students who hold F1 visa to work as a tutor in the States. Don’t know how she gets away with it. 🧐Unless she is a US citizen or permanent resident.
There's a lot of people that don't attempt to be independent especially when their parents can afford to pay for their college tuition. I love that she chooses to handle her own finances to pay her own bills/ responsibilities; and choosing not to rely on her parents for everything. Humble, aware, and full of gratitude! Love it.
I think everyone saying that they're glad she mentioned "privilege" misses a few nuances. There's the fact that she's an international student in a foreign country (alone)- making new friends, learning American dialect, absorbing a new culture, and so many more. I roomed with international students in college and befriended many more. After 4 years, I wouldn't say "privilege" is the first thing that jumps to my head. Humility is why they say privilege, but truly, I admire their journey, independence, and all the physical/mental toll. In my opinion, many of these internationals have earned my respect and way beyond just a privilege background. They have a lot more in common with regular folks than the things we choose to focus on (money), but also deal with tough situations anyone who's not an Asian immigrant wouldn't relate to. There's pressure to outperform your parents and other things. Privilege isn't what they use to relate or not relate, but rather look up to (in Asia). So, I'm trying to say that when she said "I know I'm privileged," there's a lot more nuance, and it doesn't relate to American conception of privilege. Anyway, if anyone has had experience in Asia or around international students, maybe you can relate to what I mean. It's just not the same conception as American.
You're absolutely right. I'm astonished at all the out-of-context comments by jealous people. Those people would be far better off following her example.
I thought I was well off because my parents paid for my (public) university education, and I always had food at home and could participate in any extracurricular I wanted to. Based on her designer wardrobe and her mom’s birkins, this girl is probably from an affluent family in Singapore.
I'm gonna take a guess and say it's the Chinese Indonesian side where all that wealth is coming from. I went to school in Shanghai too (as a Chinese Filipino) and nearly all the Chindos were so much wealthier than other ethnic Chinese from other Southeast Asian countries (Malaysia, Singapore, Philippines, etc.).
@@kam8916 A lot of South East Asia Chinese have some old money. Because they started trading with the Europeans very early on and they didn't endure the communism apocalypse in China (where the old money was wiped out or shipped out). For a very long time they were the only upper middle class Chinese in existence. Now, even though the old money is somewhat dispersed and become insignificant in modern economy, the mindset they developed is still very much helping them everyday. You simply won't find a more resilient group of people comparing to South East Asia Chinese.
@@jasminecontreras7341 from a young white woman’s perspective, we’re in a world where everyone has to mention how privileged a white man is or a successful wealthy person is and we’ve engraved it so far into their heads. I think now to say “they’re talking about it too much” is just hypocritical. Before I say “oh I worked hard for what I Have” I get responses online that I’m privileged and wouldn’t be where I was today, but when I mention I’m privileged people are tired of me saying it
@@Naomi-xu4hq You can't appease people so honestly, you should not care about what people think that are on a different life path than you. Appeasement has never worked and it's not about to start working now.
I don’t get it. She said that she is an international student, which means she’s probably on an F-1(student) visa. Kids on student visas are only allowed to have sources of income from skills that were acquired from the respective degree that they’re enrolled in. She said she’s in STEM, but tutors IB English to kids? Please correct me if I’m wrong, but that sounds like she is in violation of her immigration status.
She’s in a grey legal area here. The income earned outside the US (legal) but the work is done in the US (not quite legal). This could be an issue in the future for her but with her parents’ money, it’s not such a huge risk. Most international students that are not as privileged generally avoid this route unless they have a different way to get their work visa/residency
How does she get around the F-1 (International Student) Visa's restrictions on working? According to those, you can only work up to 20 hours and can only be employed on your campus.
This message is for someone who needs to hear this and will fully understand it... You are not define by your circumstance or your past. It’s not what happened to you that determines your success in life; it is how you deal with those circumstances that determines your success in life. You are strong, you are capable and practice forgiveness (Forgiveness is for you; forgive your parents or anyone whom we have chosen to hurt us, to begin the process of healing and freedom. Remember: Forgiveness is for you to be freed, healed and happy. It’s a RESET BUTTON) and practice gratitude everyday. This will change the course of your life forever. Love you always and I believe in you wholeheartedly no matter what ✨❤️ - Nat
Similar age. I make 80k base salary annually. With overtime, my income can get comparatively astronomical. I also live in Chicago. In three years, I'll reach 100k base. I have no student debt. I'm not privileged; I grew up in the nearby hoods. This girl is impressive, in many ways. I definitely could not do what she does. However, find your own way. Don't believe that just because you weren't fortunate enough to get a similar head start that you're out of the race.
Why do I need to watch this kind of video from a 21 year old promoting her ytube channel wearing Van Cleef earrings, necklace and a Cartier watch that most average Americans can never afford? What's the point? She's not even self-sufficient without her parental help.
The biggest question is: how can she work as an international student? Literally every F1 visa student can only earn money from crappy campus jobs or through internships. And in her case she only makes around $6,000 through her internship and the rest were UA-cam and Tutoring???? How is that even possible since it's illegal for international students to have income from UA-cam???
Maybe she registered her channel in Singapore. I think your channel has to be in the country where you have a bank account? You can use paypal for tutoring and map it to your home country. Not too hard. 🤷🏽
It doesn't really matter. If she put some "work" and "earn" money while she is staying & studying in the US it's literally illegal for F1 students. Taking cash/paypal from foreign money while "tutoring from the US" is still illegal.
@@nam-a-style When I lived overseas on a tourist visa, I did remote work in the US and was paid in US dollars which was perfectly legal to do since I wasn't working via the foreign country's economy. I'm pretty sure the same rule applies in this case. The US doesn't want foreign students working via the US economy but they're welcome to exploit whatever other economy they so choose. The visa limitations aren't in place to impoverish students so much as to protect local economy.
Fyi, you can apply for an OPT extension of your F1 visa and work for 12 months after graduation in a field of your study. The size of the company does not matter. So you could totally work for a start up after you graduate :) I worked for a very small company for a while.
Great story and very positive! I'm impressed by how much you make tutoring, i'm a construction engineer in the UK and i don't make even half that on the work sites, will definitely look teaching on the side!
it is not difficult to do if you are qualified and aim wealthy people in Shanghai. But you need to be fluent in English, Chinese mandarine and Shanghainese dialect as her, and have lived several years in Shanghai and the United States as her to have a bi-cultural mindset.
These videos really highlight the difference in salary/pay structures between millennials and Gen Z. Add wealth and privilege to the equation and you’re likelihood of success is pretty much guaranteed. Millennials have gone through a global recession, a pandemic and subsequent job losses, and, currently, inflation and the a very likely 2nd recession. I’m a millennial and was in the age group that didn’t get to experience the 08-09 housing crash and recession, so I’m lucky to be better off than most. But it’s still sad to see how much some of my friends struggle to find decent paying jobs with benefits, despite having college degrees from top universities. I’m not trying to take anything away from this woman’s accomplishments though. Just really interesting to see the differences between generations.
I hear you. In way, I can not help but think employers assume newcomers to the states are going to push and apply themselves becoming more of the type of employee they seek. Just based on observations as someone coming from your generation too.
Why do you think gen Z have it better? We just had a global pandemic that has become to wane in the last few months + a war in Europe that has just begun to impact food and energy supplies.
@@TheMasterPoke the internet gives more plus you grew up integrating tech more than many before you. That is why employers value your opinion and ideas to share. If you think working is hard, ask someone who never had the internet before!
She seems like a sweet kid but seems to feel some kind of guilt for her family's success, she shouldn't. Her parents are able to pay for her school because of generational wealth. Either they or their parents before them worked for that wealth for the sole purpose of ensuring their children will have the best opportunities in the future. It's something we should all strive for.
I really appreciate people who are upfront about their wealthy family's help. There's nothing wrong with being supported by your family. We should all be do lucky! But it sucks when people aren't transparent about the fact they didn't start at the same level we all did.
@@arkasarkar3901 It isn't a grey area, either they don't file taxes which is a crime or they file taxes and expose themselves working which is against the student visa policy. So I hope she's not on F1, otherwise it's truly audacious for her to do this show.
She wrote she doesn’t see the money coming from UA-cam. Probably it is paid in her bank account in her home country. So technically she is not working for a US employer or as an independent worker in the US.
She makes more per hour tutoring than some of us with college degrees already. Sigh. Why wasn’t I the revered Asian child? Instead, I went for a life of poverty. Sigh. Must marry rich now. Or win the lottery. For a rich Asian international student, she’s very humble. Not at all like most international Asian students I come across or observe. I’m Asian American and it drives me nuts when white people think I’m one of those wealthy international Asian people. I wish! My parents went from rural poverty to middle class American life. It’s incredibly humbling. Still, I’m lucky to be in a very comfortable situation despite choosing to work in nonprofit and not earning a large salary. I really appreciate her candor, her intelligence, her future-thinking, and her self-awareness. I wouldn’t mind having more friends in my network who were more like her. It’s just so refreshing to have someone with all of these qualities. I like my friends. They’re great people but I wish there was more of a challenge. More intelligent debates. More knowledge sharing. More ambition. All my friends seem comfortable in their lives and it’s too easy to get comfortable with your own life. Granted, we are older and at a point in our lives when stability becomes important but I would never want stability at the cost of growth and development
Good for her! Wish her the best. She’s a typical wealthy international student tho. We all really just wanna acquire a high level of attainment. Sometimes i wonder why people still hold cash in this economy, and with the way our economy keeps evolving. If you hold stock, trade and invest in the stock market instead, there’s a 100% chance you won’t lose money, but increase your portfolio instead.
I trade with an experienced trader as well who manages my forex and crypto accounts. Also very familiar with George and the fantastic job his team put out.
Exactly! The most prudent thing for everyone to do right now is to invest in other sources of income instead of relying only on ones regular source. Especially in the light of the present global economic crisis. Crypto currency, stock market, should be on every wise individual’s list.
@@eleazerhart1214 You trade with George Stewart too? Love his work ethic! I have been trading with George till date, went from $800 to $5,270 in a few weeks implementing his methods and strategies.
invest with George too, he charges a 20% commission on profit made after every trading session which is fair compare to the effort he puts in to make huge profits. I made up to $3260 in just a week of trading with him, his strategy is mind blowing.
I know a professional tutor who makes 80k in Naperville, Il. Mostly SAT and college prep. That’s a very good salary…she just has to pay for insurance out of pocket but the flexibility and pay are great for low level of stress.
the rich get richer. good for her. but she's a typical wealthy international student. definitely gonna be set in life already. wonder what her parents do back in home country - bet they're insanely rich lol
I feel two ways about this: one, it just goes to show that to really get ahead in life being born in the right socioeconomic class is highly advantageous. Forget the money, you benefit from connections (generally speaking) and the wisdom of people who have climb the ranks of success so already they are helping you avoid classic mistakes that set people back. Two, if everyone had a choice, they would provide this type of upbringing to their offspring so it’s not fair to hate on her or her family for doing something you would want to do; if anything let this be a lesson that if you aren’t starting from a place from privilege the best thing you can do is seek out successful people to be around and learn as much as possible about providing a valuable skill set to the economy. Spend your youth doing this and then you’re children can start from the top
Remember there are those who are privileged and live off mommy and daddy and those who are privileged and makes something of themselves so that they don't have to rely on mommy and daddy and become their own person. Huge difference.
She's privileged, but not every rich kid makes 93k a year on their own. It takes a lot of initiative, dedication and hard work as well, so I really appreciate her for that. She's also very smart on how to spend her money, a lot of people that grow up rich have a tendency to just blow it.
Not a commentary on her, but man when I was in college I barely had $100 in my bank, drove a old ‘86 honda crx, was in a cramped dorm, and barely ate food. It’s amazing the stark contrast to the lives of college students with rich parents. She’s definitely a good mind to understand her privilege and deserves all she has.
How does this help regular people who don't have wealthy parents, this is hilarious. You need to do stories on millennial multimillionaires that had student loan debt and didn't have wealthy parents. Also, no more stories on people doing blue collar hard labor jobs with low wages.
There’s a bunch of videos of people with student debt. There’s already like 5 videos of just medical students having to pay back their debt while working in residency. There’s many videos of POC who landed great jobs out of Ivy League colleges and have to pay debt back. “Regular people” aren’t going to do anything when they see someone makes $48K per year they’re just going to keep being regular this channel is for people of all income types, gender, demographic, etc. look through their playlist and there will be many different options. Last added note a lot of these people who graduate from Columbia, or a top 50 school went to cc for the first two years and saved a ton of cash
@@Naomi-xu4hq I’m not talking about high earners or elite college graduates either. I had a normal non-management corporate career and retired 2 years ago as a multimillionaire by investing as much as I could. I still drive a used 2010 Toyota Corolla.
Thank you so much to the CNBC team for this feature!! It was amazing to work with everyone - Bonny, Alex, Ernestine, Beatriz, Jennifer ☻
Feel free to comment any questions and I’ll do my best to answer them!
Enjoyed the video Chloe! Wish you the best!
Great video!!!
I love that you're so humble! Is there anyway I can get into this tutoring gig?
Chloe you my inspiration !!!!
Do you even know that your income is illegal and you violated F1 visa rules by working remotely??
Her parent raised her well. She's independent, smart and humble. Her success you can tell is from her own determination.
Independent? They pay for her school 😂
@@alancooper6461 ok and?? If you're able, why wouldn't you help your kid out?
@Borat Sagdiyev Wait. Someone attributed her success to her own determination and commented that she is smart and humble, and you jumped to mention GOP? Wtf is wrong with you?
@@yasinm.3162 If they help her, she is not completely independent. She is hard working but don’t ignore the fact that she has support that most people wouldn’t be able to receive
lmao her success is from her parents. She'd be just another broke Singaporean if her parents weren't well off throwing opportunity after opportunity right in front of her
I appreciate her for acknowledging the privilege right up front. It doesn’t take anything away from her work ethic or ambition. It just helps us… as listeners… absorb her story more. We’re not distracted by what feels like gaps in the truth.
yeah but we were expecting her to say she's working hard to give back to the underprivileged but nah she wants more $$$ and status to prove she's "self-made" lmao
@@WiseOnion What about all the kids she tutors? Since they're willing to pay $67 an hour for her services, I'd assume they value what she does for them.
@@WiseOnion she never said she’s self made, she said the complete opposite of that acknowledging that she had a lot of support
@@WiseOnion what could her critics offer that would make them over 90k per year? If your answer is void then she's entirely deserving of her income and whatever else she's able to get from selling her skills.
"I can't stand anyone who is richer, better-looking, or more successful than I am unless they acknowledge they don't deserve it."
The comment section’s telling me that having parents help you financially is a taboo in this day and age. She’s determined and made good use of the resources passed down to her. I’d want to make sure that I can help my children out for the better every way possible. People are so mad.
Absolutely. Just ignore the envious types. This girl has seized the opportunities she's had. Others don't.
Bro I never got an allowance, I aint giving my kids an allowance either haha
BIG MAD!
Not mad at her have respect for her for earning her way with the help of her parents instead of being a lazy spoiled brat that does nothing
@@BeanerMoney you are probably ending up on the streets
I absolutely adore her! There is absolutely nothing wrong with being from privilege. That's what we're all trying to do for our kids. Respect people, wear your designer, stack your money, and work towards your goals.
True. Many people don't actually care about the poor, they're just mad that others are rich.
@@fraybart you can be rich while still caring for the poor...just so you know
@@Krynale Precisely, the rich usually help the poor the most. What I'm saying is-if you're not rich-being mad at the rich is not the same as actually caring for the poor.
I just wish I had half her mindset in my 20s. I feel so stupid watching how incredibly smart focused and driven and is!
@@fraybart The rich Bribes Politicians/presidential candidates behind our backs to avoid paying their fair share of taxes. The Rich are buying up homes across America, making it harder to achieve "The american dream" (BlackRock). The rich arent engaging in mutual aid like the middle class. Bootlicking is cancerous.
She’s so self-aware and I love how she talks about her work ethic and upbringing
She's honest about her privileges but works hard and is way ahead at 21. Good for her.
Yea 16 students 55k soooo hardd
Yes, parents paying for college may help somewhat
@@mackeejack6731 jeez shutup
@@mackeejack6731 China tutoring business is good. Many teaches have opened firms and makes like millions from them.
@@mackeejack6731
Someone’s jealous
Thanks CNBC for shedding light... on the awesome work being down by millenials and Gen Z! Wishing our generations health, property, and success for the years to come. Awesome how Chloe navigated US to make the world her oyster!
I am glad that people are becoming more aware about their upbringings and socio economic advantages! People would have dismissed this 10 years ago and say just work harder. I am glad the times are changing
this the stuff they should be teaching us at school
I was born into adjacent poverty. Lived in a studio apartment with my mother and sister. My mother worked a minimum wage job. We lived in a very poor town in Ohio. Some people actually do make it out of poverty. Don’t diminish hard work.
What does one thing have to do with another? We still live in a time where you have to work harder if you want to get sócio economic advantages
@Incomeking Not as hard though because they were born with economic advantages. That’s the point kid.
@@dustin7708 Nobody said hard work isn't important, just that earning a lot of money is much easier if you're already well off. Also, hard work alone isn't enough to just escape poverty in most cases. If you think otherwise, then your survivorship bias is showing.
Wow! Her parents must be so proud! She's so intelligent and down-to-earth. We need her to stay in Chicago after she graduates, she could help the city a ton.
Chicago is the world’s 7th largest economy among cities. We don’t need help despite the negative press, but many other cities do.
She is so intelligent and so down to earth. Her parents have made an amazing job. Great video☺️
Enjoy your sweat because hard work doesn’t guarantee success, but without it, you don’t have a chance.
Cryptocurrency is one of the best investment one can make and build wealth for their future
Well with the crypto currency market favorable as it is, investing now wouldn't be a bad choice.
Bitcoin is the future, investing now in it will be the wisest thing to do especially with the current rise.
Its really good keeping an expert with years of experience close. Just like I have Mrs Maria Isabel Jones, she has made a lot of profits for me.
Who is Maria Jones? What platform are you on? I'm kinda interested
This is definitely what I want to do for my kids. I hope they are just as gracious when they come of age
Chloe is the daughter every parent wishes for. Responsible, wise and so grateful!
@@renitamcdaniel7592 happy about what?
One of the few people who recognizes AND acknowledges their advantages in life. And what that means in terms of working harder to deserve it. Wow. How refreshing!
What a good idea to use the skills she already has to create an awesome tutoring business! She paired what she knows how to do and found people that need that service.
I lover her self reflecting nature! She is so relatable and still hard working! As someone with ADHD it’s refreshing to see someone strive for their goals the way she does!
🎯
Successful people don't become that way overnight. What most people see at a glance-wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
You are right.
You're right, Investing in crypto currency now is the best thing to do especially with the current rise in the market
So investing in it wouldn't be a bad idea 💡
I totally agree with you, the crypto currency market is the most profitable venture I ever invested in, I reached my goal of $500k yearly trade earnings. Setting realistic goals is an essential part of trading
Speaking of investing
Wow so well-spoken, self-aware, and intelligent beyond her years. She's gonna knock it out of the park going forward.
who else feels equally inspired and encouraged by chloe's parents?
Her parents are gems. She is so grateful and able to hustle for herself. Bravo. Wished I think like her and not wasted my parentsoemy in my 5 year in university. Lol
Financially smart young lady. Very eloquent and well spoken. I'm betting she meets her savings goal by 24.
Chloe clearly is smart and hard-working but also self-aware enough to realize that part of her success also can be attributed to having a supportive family. (Fwiw, imo it's not that people dislike those with wealth or privilege but rather the fact that some, unlike Chloe, fail to acknowledge the role it plays in getting ahead.) Honestly, if I have kids in the future, this is pretty much what I'd want: a situation where they don't NEED to work hard but they have a solid work ethic and WANT to work hard.
Also, is that Milo at 4:53? (Shout out to immigrants/kids of immigrants. IYKYK)
Probably my favourite video in this series to date. Very inspiring and fresh to listen to a 21 year old with such a great head on their shoulders. She’ll go far!!
definetley very mature for her age
Mine too! Love this episode a lot : )
fax
For those that are considering international studies, in Australia you get a 2 year working graduate visa when you finish an undergraduate or postgraduate degree you don’t need to be sponsored by an employer unless you want to stay longer than that
In the US is similar. Everyone gets one year after finishing pretty much any kind of studies, but STEM gets up to 2 years. During this 2 years you need to find someone that will sponsor your H1B (10 years) or greencard (permanent resident). Chinese, indians, and some others have more difficulty tho because there's nationality-based quotas.
This is a perfect example of continuing excellence in the family.
RIP Millennial Money, you'll be missed
Why?
fax, this is a terrible video compared to the content they could and SHOULD be producing.
@Kirsten A she does NOT represent the vast majority of gen z working multiple jobs just to get by. she was born rich...
@@MegaMijit fax? Was that a pun? Lmao
I don't understand the point of this video? A person from a wealthy family goes to college... ... ... that's it
Wish her well. She seems mature and has a grounded view of life.
But that grind, though. Like studying STEM full time, tutoring, and youtube?? 🙌🙌🙌
Right? Just concerned with this poor girl having any type of down time vs go, go, go. She already said she doesn't sleep.
@@buzzybee186 I totally agree!! She definitely needs to take care of herself and get those zz's, that's super important. 😊
GenZ are freaking tech savvy and know how to make money. I swear as technology advances and matures, the kids get smarter. For example, there tens of note taking apps out there with endless integrations right now that I would have never imagined using when I was in school.
This isn't one that should have made CNBC. Child gets schooling paid. Allowance given monthly. If she had put the profits from her work (YT+Internship+Tutoring), then paid for her international studies in the US, then we should calculate the remainder. This should then be made into a CNBC if she's able to survive without her parents "free money", or better yet, take out US based loans and discuss how she snowballs the debt down while tutoring and other stuff. This Z'er episode is not accurate (imo).
She is too cute! Young Gen Z doing her thing! Love her personality and story!!
Most of the international students I knew relied on their parents financially and yes, that astronomical tuition fees are about right. You will pay that much for tuition, graduate, and struggle to find a job that will SPONSOR you for a work visa which is only available for a limited amount and lottery-based during my time. IF you're somehow lucky enough to get all that, then the clock starts for you to get SPONSORED for a green card or you have to go back to your home country.
Do you know anyone that has gotten sponsored for a full time job? I only ask bc my gf has a degree in chemical engineering and she is going through a very stressful and frustrating time trying to find a job to work at, due to the sponsorship of the work visa ://
I honestly don’t understand how can she be so open about her income in the video given that it is ILLEGAL!
As international student based in the US you are not allowed to work, even remotely and for another country. Sometimes students do that because they struggle with money but they usually hide it.
@@Naomi-xu4hq why are you so jealous not everyone has to struggle to succeed
@@elizavetabelova6525 My takeaway is that she's being paid in CNY in China, and the money is somewhat difficult to transfer to the U.S.
So when she says she "saved" for $1.5k heels, that was clearly a lie. The reality is that her parents send her a lot of money each month guaranteed. She's acting like she's hustling, which is far from the truth.
@@Relav1 yes it seems like that. Also, she replied to me saying that she doesn’t see all of her money, this is how she is able to bypass proper work authorization in the US.
As much as I wish I was in her position, I find her mindset, motivations and work ethic very respectable. Was an interesting video
I like how she talked about managing her time with ADHD. Also props to the Milo!
right! I thought it was green tea at first and then I saw it was good ol Milo
It’s also about your network of clientele. If your clientele is paying an average of 6k/year in tutoring, you’ve got a fairly exclusive market. The moral of the story is to focus on a network of people that will put wins in your sales and that appreciate the value you bring them.
Sheesh, the level of self awareness is impressive, good for her.
FYI: It’s illegal for international students who hold F1 visa to work as a tutor in the States. Don’t know how she gets away with it. 🧐Unless she is a US citizen or permanent resident.
She tutor kid in Shangshai, I’m sure they not paying her in US dollar. Internation student allow to have income from other countries
@@Miyukouzuki510 yes agreed
@@Miyukouzuki510 She isn't allowed to do those session from the US though legally speaking
@@anaellesure8537 they are allowed to work up to 20 hours I believe
having a good family the best thing in the world she is unbelievably lucky
With that character she has a huge future ahead of her. Humble and balance-minded, pretty remarkable - especially for her age!
Insane that her undergrad degree cost as much as my dental degree!
There's a lot of people that don't attempt to be independent especially when their parents can afford to pay for their college tuition.
I love that she chooses to handle her own finances to pay her own bills/ responsibilities; and choosing not to rely on her parents for everything. Humble, aware, and full of gratitude! Love it.
So jealous of her success, but can’t hate. Good job, good life.
Also as a international student, you are not allowed to work (visa restrictions) unless you are permanent residence or citizen.
I was thinking the same, wondered how she got away with making UA-cam videos and earning money from it
I think everyone saying that they're glad she mentioned "privilege" misses a few nuances. There's the fact that she's an international student in a foreign country (alone)- making new friends, learning American dialect, absorbing a new culture, and so many more. I roomed with international students in college and befriended many more. After 4 years, I wouldn't say "privilege" is the first thing that jumps to my head. Humility is why they say privilege, but truly, I admire their journey, independence, and all the physical/mental toll. In my opinion, many of these internationals have earned my respect and way beyond just a privilege background. They have a lot more in common with regular folks than the things we choose to focus on (money), but also deal with tough situations anyone who's not an Asian immigrant wouldn't relate to. There's pressure to outperform your parents and other things. Privilege isn't what they use to relate or not relate, but rather look up to (in Asia). So, I'm trying to say that when she said "I know I'm privileged," there's a lot more nuance, and it doesn't relate to American conception of privilege. Anyway, if anyone has had experience in Asia or around international students, maybe you can relate to what I mean. It's just not the same conception as American.
You're absolutely right. I'm astonished at all the out-of-context comments by jealous people. Those people would be far better off following her example.
Way to go Chloe, regardless of whether you are privileged, it sounds like you are working hard to pursue your dreams/goals.
How to be rich and successful:
Step 1: Have rich and successful parents
Love this! As everyone noted, there is nothing wrong with coming from a place of privilege. Acknowledge it, do your thing, and be kind to others.
Nothing but props. She’s privileged yet humble and hard working. So smart and successful at such a young age.
Most people venture into crypto to be millionaires, meanwhile i just want to be debt free
Now is the best time to purchase and invest in bitcoin, stop procastinating.
Crypto currency will outsmart the banking system in the nearest future serving as a global fiat. Already making over 85% profit from my investment.
Wish I knew about crypto trading earlier. Brace up and get yourself a bitcoin before it's too late.
Fear is one of the factors that hinder most persons to invest into crypto, most persons say ignorance..
stock is good but crypto is better..
Having a good relationship with your partner is the core of your kids’ future. It can dictate getting through and overcome any unforeseen obstacle.
I thought I was well off because my parents paid for my (public) university education, and I always had food at home and could participate in any extracurricular I wanted to.
Based on her designer wardrobe and her mom’s birkins, this girl is probably from an affluent family in Singapore.
I'm gonna take a guess and say it's the Chinese Indonesian side where all that wealth is coming from. I went to school in Shanghai too (as a Chinese Filipino) and nearly all the Chindos were so much wealthier than other ethnic Chinese from other Southeast Asian countries (Malaysia, Singapore, Philippines, etc.).
@@ClapBoomBoom I guess cuz there’s more people in Indonesia so more Chinese there who are rich?
@@kam8916 That's one way to put it, but that only applies if the person in question has a family business.
@@kam8916
A lot of South East Asia Chinese have some old money.
Because they started trading with the Europeans very early on and they didn't endure the communism apocalypse in China (where the old money was wiped out or shipped out).
For a very long time they were the only upper middle class Chinese in existence.
Now, even though the old money is somewhat dispersed and become insignificant in modern economy, the mindset they developed is still very much helping them everyday. You simply won't find a more resilient group of people comparing to South East Asia Chinese.
I also wear my dad's Rolex and 5k Tom Ford suit because it "reminds me of him, not because I'm trying to flex it."
LMAO at this video.
AwArE of hER PrIvELaGE though
Stop hating and make friends with the rich kids at school. Your life will get a crazy upgrade. LOL
It was cool the first time she mentioned it, but I think she overdid it a little like I think she mentioned that she was privileged at least 3 times
@@jasminecontreras7341 from a young white woman’s perspective, we’re in a world where everyone has to mention how privileged a white man is or a successful wealthy person is and we’ve engraved it so far into their heads. I think now to say “they’re talking about it too much” is just hypocritical.
Before I say “oh I worked hard for what I Have” I get responses online that I’m privileged and wouldn’t be where I was today, but when I mention I’m privileged people are tired of me saying it
@@Naomi-xu4hq You can't appease people so honestly, you should not care about what people think that are on a different life path than you. Appeasement has never worked and it's not about to start working now.
I’m still waiting on Living on 3 billion dollars in Macau at age 10.
🤣🤣
I don’t get it. She said that she is an international student, which means she’s probably on an F-1(student) visa. Kids on student visas are only allowed to have sources of income from skills that were acquired from the respective degree that they’re enrolled in. She said she’s in STEM, but tutors IB English to kids? Please correct me if I’m wrong, but that sounds like she is in violation of her immigration status.
TAX FREE on top of it
Good point, this video does not add up!
as far as i know, international students are allowed to work part time outside their degree during the course of their study
She’s in a grey legal area here. The income earned outside the US (legal) but the work is done in the US (not quite legal). This could be an issue in the future for her but with her parents’ money, it’s not such a huge risk. Most international students that are not as privileged generally avoid this route unless they have a different way to get their work visa/residency
@@yasmineelhadi5511 Only if it's an on-campus job
How does she get around the F-1 (International Student) Visa's restrictions on working? According to those, you can only work up to 20 hours and can only be employed on your campus.
This message is for someone who needs to hear this and will fully understand it... You are not define by your circumstance or your past. It’s not what happened to you that determines your success in life; it is how you deal with those circumstances that determines your success in life. You are strong, you are capable and practice forgiveness (Forgiveness is for you; forgive your parents or anyone whom we have chosen to hurt us, to begin the process of healing and freedom. Remember: Forgiveness is for you to be freed, healed and happy. It’s a RESET BUTTON) and practice gratitude everyday. This will change the course of your life forever. Love you always and I believe in you wholeheartedly no matter what ✨❤️ - Nat
Her parents did a great job! Very cool story. She is going places with that drive
Similar age. I make 80k base salary annually. With overtime, my income can get comparatively astronomical. I also live in Chicago. In three years, I'll reach 100k base. I have no student debt. I'm not privileged; I grew up in the nearby hoods.
This girl is impressive, in many ways. I definitely could not do what she does. However, find your own way. Don't believe that just because you weren't fortunate enough to get a similar head start that you're out of the race.
Why do I need to watch this kind of video from a 21 year old promoting her ytube channel wearing Van Cleef earrings, necklace and a Cartier watch that most average Americans can never afford? What's the point? She's not even self-sufficient without her parental help.
A UA-cam channel gives her visibility, which can help her career. Especially if she wants to work for a FAANG company like Google, who owns UA-cam.
@@anoukc6928 I don't think one needs to have a UA-cam channel to work with Google.
No one forced you to watch it…
The biggest question is: how can she work as an international student? Literally every F1 visa student can only earn money from crappy campus jobs or through internships. And in her case she only makes around $6,000 through her internship and the rest were UA-cam and Tutoring???? How is that even possible since it's illegal for international students to have income from UA-cam???
Very true- maybe she isn’t F1?
Maybe she registered her channel in Singapore. I think your channel has to be in the country where you have a bank account? You can use paypal for tutoring and map it to your home country. Not too hard. 🤷🏽
Maybe she gets paid not in American dollars but from foreign money
It doesn't really matter. If she put some "work" and "earn" money while she is staying & studying in the US it's literally illegal for F1 students. Taking cash/paypal from foreign money while "tutoring from the US" is still illegal.
@@nam-a-style
When I lived overseas on a tourist visa, I did remote work in the US and was paid in US dollars which was perfectly legal to do since I wasn't working via the foreign country's economy. I'm pretty sure the same rule applies in this case. The US doesn't want foreign students working via the US economy but they're welcome to exploit whatever other economy they so choose. The visa limitations aren't in place to impoverish students so much as to protect local economy.
21 y/o woman makes 90k/year
“Omg shes a smart, strong, independent woman. Very influential”
21 y/o man makes 90k/ year
“As he should”
Says who
@@ChuckleHoneybear wokies, and brokies
Fyi, you can apply for an OPT extension of your F1 visa and work for 12 months after graduation in a field of your study. The size of the company does not matter. So you could totally work for a start up after you graduate :) I worked for a very small company for a while.
Great story and very positive!
I'm impressed by how much you make tutoring, i'm a construction engineer in the UK and i don't make even half that on the work sites, will definitely look teaching on the side!
67 DOLLARS AN HOUR? Bro better do the exams fo me at that price
it is not difficult to do if you are qualified and aim wealthy people in Shanghai. But you need to be fluent in English, Chinese mandarine and Shanghainese dialect as her, and have lived several years in Shanghai and the United States as her to have a bi-cultural mindset.
Fair play to her, she is intelligent and articulate and really has it together.
These videos really highlight the difference in salary/pay structures between millennials and Gen Z. Add wealth and privilege to the equation and you’re likelihood of success is pretty much guaranteed. Millennials have gone through a global recession, a pandemic and subsequent job losses, and, currently, inflation and the a very likely 2nd recession. I’m a millennial and was in the age group that didn’t get to experience the 08-09 housing crash and recession, so I’m lucky to be better off than most. But it’s still sad to see how much some of my friends struggle to find decent paying jobs with benefits, despite having college degrees from top universities. I’m not trying to take anything away from this woman’s accomplishments though. Just really interesting to see the differences between generations.
I hear you. In way, I can not help but think employers assume newcomers to the states are going to push and apply themselves becoming more of the type of employee they seek. Just based on observations as someone coming from your generation too.
Why do you think gen Z have it better? We just had a global pandemic that has become to wane in the last few months + a war in Europe that has just begun to impact food and energy supplies.
@@TheMasterPoke the internet gives more plus you grew up integrating tech more than many before you. That is why employers value your opinion and ideas to share. If you think working is hard, ask someone who never had the internet before!
Lol if you went to a top uni and are struggling to find a job you didn’t prepare at all in college.
She seems like a sweet kid but seems to feel some kind of guilt for her family's success, she shouldn't. Her parents are able to pay for her school because of generational wealth. Either they or their parents before them worked for that wealth for the sole purpose of ensuring their children will have the best opportunities in the future. It's something we should all strive for.
I really appreciate people who are upfront about their wealthy family's help. There's nothing wrong with being supported by your family. We should all be do lucky! But it sucks when people aren't transparent about the fact they didn't start at the same level we all did.
This show should be renamed to "How to succeed in life when you have rich parents"
I assume she is a F1 student? I wonder how does she do her taxes, technically F1 students are not supposed to work apart from OPT and CPT.
They can work only if it a hobby and not a full time income though it's a bit of grey area
@@arkasarkar3901 It isn't a grey area, either they don't file taxes which is a crime or they file taxes and expose themselves working which is against the student visa policy. So I hope she's not on F1, otherwise it's truly audacious for her to do this show.
She wrote she doesn’t see the money coming from UA-cam. Probably it is paid in her bank account in her home country. So technically she is not working for a US employer or as an independent worker in the US.
Can’t wait to see Graham’s reaction on this
so its basically a video about a rich kid talking about how rich they are?
She's so down so down to earth and appreciative.
It’s nice when rich people acknowledge they’re rich 😂 Still, it would be nice if CNBC had more relatable people on here.
Love how grounded and humble she is. You know she’s going places and good for her!
Another out of touch profile that literally applies to less than 1% of the audience (cue eyeroll)
She makes more per hour tutoring than some of us with college degrees already. Sigh. Why wasn’t I the revered Asian child? Instead, I went for a life of poverty. Sigh. Must marry rich now. Or win the lottery.
For a rich Asian international student, she’s very humble. Not at all like most international Asian students I come across or observe. I’m Asian American and it drives me nuts when white people think I’m one of those wealthy international Asian people. I wish! My parents went from rural poverty to middle class American life. It’s incredibly humbling. Still, I’m lucky to be in a very comfortable situation despite choosing to work in nonprofit and not earning a large salary.
I really appreciate her candor, her intelligence, her future-thinking, and her self-awareness. I wouldn’t mind having more friends in my network who were more like her. It’s just so refreshing to have someone with all of these qualities. I like my friends. They’re great people but I wish there was more of a challenge. More intelligent debates. More knowledge sharing. More ambition. All my friends seem comfortable in their lives and it’s too easy to get comfortable with your own life. Granted, we are older and at a point in our lives when stability becomes important but I would never want stability at the cost of growth and development
Good for her! Wish her the best. She’s a typical wealthy international student tho. We all really just wanna acquire a high level of attainment. Sometimes i wonder why people still hold cash in this economy, and with the way our economy keeps evolving. If you hold stock, trade and invest in the stock market instead, there’s a 100% chance you won’t lose money, but increase your portfolio instead.
I trade with an experienced trader as well who manages my forex and crypto accounts. Also very familiar with George and the fantastic job his team put out.
Exactly! The most prudent thing for everyone to do right now is to invest in other sources of income instead of relying only on ones regular source. Especially in the light of the present global economic crisis. Crypto currency, stock market, should be on every wise individual’s list.
@@eleazerhart1214 You trade with George Stewart too? Love his work ethic! I have been trading with George till date, went from $800 to $5,270 in a few weeks implementing his methods and strategies.
Please how do i reach out to him?
invest with George too, he charges a 20% commission on profit made after every trading session which is fair compare to the effort he puts in to make huge profits. I made up to $3260 in just a week of trading with him, his strategy is mind blowing.
I know a professional tutor who makes 80k in Naperville, Il. Mostly SAT and college prep. That’s a very good salary…she just has to pay for insurance out of pocket but the flexibility and pay are great for low level of stress.
the rich get richer. good for her. but she's a typical wealthy international student. definitely gonna be set in life already. wonder what her parents do back in home country - bet they're insanely rich lol
Didn't you watch the video, it clearly stated what her parents do for a living...
Banker and biohealth.
I feel two ways about this: one, it just goes to show that to really get ahead in life being born in the right socioeconomic class is highly advantageous. Forget the money, you benefit from connections (generally speaking) and the wisdom of people who have climb the ranks of success so already they are helping you avoid classic mistakes that set people back. Two, if everyone had a choice, they would provide this type of upbringing to their offspring so it’s not fair to hate on her or her family for doing something you would want to do; if anything let this be a lesson that if you aren’t starting from a place from privilege the best thing you can do is seek out successful people to be around and learn as much as possible about providing a valuable skill set to the economy. Spend your youth doing this and then you’re children can start from the top
Inspiring story. Very inspired by her to live within my means.
Remember there are those who are privileged and live off mommy and daddy and those who are privileged and makes something of themselves so that they don't have to rely on mommy and daddy and become their own person. Huge difference.
Every pic of her mom was her mom with a birkin. A birkin costs $10k and up to $200k per bag. Lol
Yeah lol, I don’t think she’s from a “well-off” family. Her family is probably from an affluent Singapore circle.
She's privileged, but not every rich kid makes 93k a year on their own. It takes a lot of initiative, dedication and hard work as well, so I really appreciate her for that. She's also very smart on how to spend her money, a lot of people that grow up rich have a tendency to just blow it.
Once she said Singaporean I was like yes that explains a lot!
Not a commentary on her, but man when I was in college I barely had $100 in my bank, drove a old ‘86 honda crx, was in a cramped dorm, and barely ate food. It’s amazing the stark contrast to the lives of college students with rich parents.
She’s definitely a good mind to understand her privilege and deserves all she has.
very humble and knowledgable wish her the best
She's privileged but so are many other people who don't work as hard as her. i applaud her.
250k dollar tuition in the LAND OF THE FREE... to do what afterwards ???
tbh this is the best episode yall have done 💯
Thank you, Chloe for telling the truth 👍🏽
Wtf, I thought this would be a normal person video but instead we have a college student making nearly 100k
must be nice having parents to pay your tuition for you
Must be nice having rich parents. She was born on third base.
Meanwhile somewhere an orphan said: must be nice to have parents.
must be nice to send your kids to public school.
55k for tutoring is insane, Chicago is something else man. Smart girl!
How does this help regular people who don't have wealthy parents, this is hilarious. You need to do stories on millennial multimillionaires that had student loan debt and didn't have wealthy parents. Also, no more stories on people doing blue collar hard labor jobs with low wages.
There’s a bunch of videos of people with student debt. There’s already like 5 videos of just medical students having to pay back their debt while working in residency. There’s many videos of POC who landed great jobs out of Ivy League colleges and have to pay debt back. “Regular people” aren’t going to do anything when they see someone makes $48K per year they’re just going to keep being regular this channel is for people of all income types, gender, demographic, etc. look through their playlist and there will be many different options.
Last added note a lot of these people who graduate from Columbia, or a top 50 school went to cc for the first two years and saved a ton of cash
what I learned growing up is don’t trust America 🇺🇸 take advantage of the system. And get rich and gtfo
@@Naomi-xu4hq I’m not talking about high earners or elite college graduates either. I had a normal non-management corporate career and retired 2 years ago as a multimillionaire by investing as much as I could. I still drive a used 2010 Toyota Corolla.
@@tigerak02 Are you a millennial or Gen Z?
@@MattSezer Millennial, not one of the delusional ones
Whoa. Chloe is on her way! Her perspective seems pure and sound.
We've gone through all the millenials; now, we're on to Gen Z. 😊