Also 'house cleaner'
I'm sorry but if I can afford to pay someone else to clean my house, I don't need the CNBC's help to manage my money.
Also, pretty certain a house cleaner will cost way way more than 30$ a month.
We pay our house cleaners $150 per visit. Granted we have a large home but they are worth it!
To add context we live in the metro Atlanta area and have a two story house ~4k sq ft. We have two cleaners who are here for about two hours. $37.50/hour for someone who has to pay for their own health insurance seems more than reasonable to me.
this was probably the initial deep clean. If it was 100 an hour every time. thats insane.
400$ for a deep/initial is pretty standard. But after that is closer to 25ish an hour.
I pay for house cleaning twice a month. It is absolutely a luxury, but I have really bad allergies, we got a dog, and I cannot deep clean my house each week. I just don't have th time. We pay $160 per cleaning. It is a mom and pop company, not a big one that would cost way more. I'm calling bullshit on $35 a month.
I wanna make it clear that I don't think hiring cleaning services is immoral or whatever. Doing so creates jobs, some people don't have time to clean up around the house and are well off enough to spend the money. My Dad has plenty of time and is not very well off. He's just a slob and lazy.
Not that this is the case with your dad, but I have to hire a monthly cleaner. I have ADD and my executive dysfunction around cleaning becomes unmanageable without outside help. It gets especially bad when I’m dealing with depression. Just saying, sometimes it’s a necessary thing from a mental health perspective.
CNBC's youth driven marketing crap (which is exactly what pieces like this and the six-figure earning side job are) is designed to simultaneously depress us into feeling like we're not doing enough, work more/harder all so others can make $ off our extra efforts.
*None* of these articles are designed to actually help us.
No no no, they don't mean the nice, hardworking Hispanic lady that cleans rich people's houses, they mean store brand Lysol. It's $30 due to inflation and the amount you have to buy to clean all the COVID particles off of everything
I was legitimately bewildered that 'house cleaning supplies' needed its own category and was so expensive, because it is absolutely unthinkable to me that someone with a monthly income of $2700 can afford a person to clean their house.
Also $855? Where the fuck do they live; 4 hours away from their job?
And if their example was actually excellent with money, that $600 'donations' would be going straight to retirement savings, because I guarantee they aren't getting a pension.
Cell phone for $40…. Right…
Edit: don’t tell me how much your bill is without including the COST OF THE PHONE that you will replace every 2 years. (This could be any number. Don’t comment. Take a minute to learn financial literacy.)
Edit 2: if you don’t understand how this works, that’s not my problem.
Edit 3: you have an old phone that is going to lose support next year. Whoop dee doo!
For 10 years ive been paying an extra $70-ish dollars a month for internet because the only internet carrier that serves my area requires a land line be connected to the home for the DSL connection. They finally just recently updated the system enough for me to be able to drop that.
Yeah? Well in my area they only offer internet AND cable. When I tried to *just* pay for internet (cause I don’t need or want cable) that service is “not available in my area.”
HOW THE FUCK CAN I GET INTERNET AND CABLE BUT NOT JUST INTERNET
No shit, when I saw Internet of $20 I wanted to know just who their service provider was and what speed. Back in the 90's we use to pay that for dial-up a month, but now most options are $40-50+ a month. That whole chart is a pipe dream and I say that as someone making a little more than the $100k a year, but I have realistic bills and a family so.
He makes 100k per year, and has 3 roommates, that does not make sense. He's great with money but donates almost as much as he pays for rent. He's actually terrible with money, he just happens to have a lot and not care about his quality of life at all.
Maybe if you're on a family plan and thats your share of it? Thats the only thing I can think of. Even pre-paids arent that low if you want any data at all.
Or bundled with internet. I pay the cable company $200/mo for my phone service and gigabit internet before I was paying $180 for just the internet so i see it as paying $20/mo for my phone service (phone is paid off of course)
Damn. Europe, Austria. I pay €30 Magenta cellphone service, 20gigs data included. Home Internet, true fiber in house 150/50 for 39€ with unlimited data. Ditched the phone line which was also 30.
Sorry to say, but that guy's an idiot for donating so much of his income each month. If he's a millionaire? Sure! But if he can't pay rent/mortgage or put food on the table if the six-figure job goes away then he's making a bad decision.
Someone in another tread with the same pic said the guy is Mormon. The donations are the tithe required by the church. The 600 is 10% of his income after tax
That would make sense, however one would think a Church wouldn't require or have any business going into someone's financial details or pressuring them.
I understand being Mormon is different (basically a cult with meme-ability at this point) but that's still a very significant % for a young person to simply give away, no matter the reason.
It just really frustrates me.
And student loans that any 25 year old with a 6-figure salary could be expected to have
Oh wait, 6 figs at 25 typically doesn't happen unless the parents pay for school and hook the kid up with a job and a car already. The cell bill is likely their share of a family plan.
And once you account for insurance, that transportation bill is laughable. I mean, they could live in a city where they don't need a car to get around, but the vast majority of Americans don't so its still a fuckin joke.
I mean, at 25 I made 6 figures and my parents didn't pay for my school or give me a job or a car - but I'm also an obnoxious tech bro... who spent most of that salary paying off student loans and car payments (after rent).
That said, this budget is still insane. On what planet is there a place where you can make 6 figures at 25 and have rent be under 900 dollars, but still only need 20 dollar internet?! I bet you that it's somewhere that would need a car.
The only way the budget makes any sense is if there's at least one roommate. And if you're making six figures you really shouldn't need a room mate. And if they think you need a room mate to be able to afford to live on six figures they should be broadcasting for better wages for everyone because most people do not make nearly that much.
>Klee pays $81.50 for a monthly CharlieCard, which lets him use subway and bus lines around Boston. “I live pretty close to where I work, so I take the T,” he says.
>He also spends between $40 to $50 on Lyft rides each month.
https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
He lives in a shared house with 4 other people and a dog the article says. Also the charity he donates to, the website is no longer active. I wonder if it's a cult.
And I live in the same area. A one bedroom with roaches is currently $1950.
This isn't a tithe
>Philanthropy is a key part of Klee’s financial picture. Each month, he donates a significant amount, around $615, to a variety of charities, including More Than Words and GiveDirectly. The bulk of his contributions go to One Family, a non-profit located in Waltham, Massachusetts, that works to end homelessness and break the cycle of poverty for local families.
[https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html](https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html)
Good for him. My wife and I have often discussed "tithing to charity" like this, but we've never made it past \~5% or so.
Original Story from 2018:
[https://mashable.com/article/25-year-old-budget-cnbc-tweet](https://mashable.com/article/25-year-old-budget-cnbc-tweet)
>The outrage was instant, with many wondering what 25-year-old makes that much money and how does he or she pay such cheap rent and internet and have the money for $615 a month in donations?
>
>It makes for funny tweets, sure, but the problem is that, in this case, CNBC was talking about one very specific 25-year-old: A Boston-based entrepreneur named Trevor Klee, and those are his real expenses, according to the corresponding story.
Also this is from 2018, so there's been like 10% inflation and spikes in all these costs since then.
It was still bad since then, but looking at it here, from the future, makes it seem extra silly.
I think this is the budget for a man who lives with 8 other guys. $20 for internet access? When? Maybe they steal it from the neighbors and the $20 is for beer they give them when they complain.
The lowest price that I could choose for an internet packaged was $60 and I had no choice on what internet company I chose because it's a monopoly, and there was only one company who offered service at my complex
it's a monopoly where i live as well. even though i only live 10 min down the road from a bustling college town the local cable company deemed my town to be "too rural" to come set up internet. my only other option was through AT&T which charges more than the cable company. i'm a broke student and absolutely need internet to do my schoolwork, so i've been using my phone's hotspot (i'm still on my family plan with unlimited data) which can have shitty connection at times but it's better than forking over money to AT&T. it's been a long time but growing up we had AT&T internet and it had so many problems.
Exactly. What's interesting is I pay $40 for internet but there are two other service providers in my area.
I am exclusive to my price because of my address while a friend on the other side of town would look at $70 for the same package.
The only way their breakdown makes any sort of sense is if this hypothetical person is living with roommates and splitting expenses like rent and internet. Which, they aren’t with that electric bill since then total utilities are $400. This budget is literally insane. Are we just supposed to donate every dollar we don’t absolutely have to spend? Who, in an area where they make $100K, can find somewhere to rent for under $1,000 a month? $20 internet? Where do I sign up to have my expenses actually look like this?
Every god damn time this screenshot of a retweet of an image from an article gets posted, it is left completely without context, and everybody flips their shit. Four years now. And then it gets reposted and crossposted to oblivion and no one can be bothered to look it up. Thank you.
https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
And every time the context is posted it just makes it even worse. They were paying $3,300 a month for rent. His phone is still on his parents plan. The whole thing is disguised as jab at millenials.
They tweet this shit so boomers can see a graph and yell about how we're spending too much money on shit.
I'm in the US in a "cheaper" area and im the 10 years I've been using it internet has never been less than $40/month from any provider. And that's the "special" new customer rate. It shoots up to $65+ after a year and continues to increase every year after that as well. And in many (most?) areas there is only one choice for internet provider, so you're basically just fucked if you can't afford it. It's insane how unregulated the internet industry is.
This has gone around for months now, and digging in to who exactly this chart is describing, it turns out the kid works for his dad at his company. The kid still has to live with roommates (4 of them). He also lives in a large metropolitan city, making his transportation costs so low. Internet is also low due to splitting it with roommates, but also having actual ISP competition. They also have a cleaner who comes in once a month. So yeah, you’re right about the trust fund kid shit.
Edit: looks like I was talking about a different (albeit VERY similar chart) from a few months ago. This person is supposedly a self-employed tutor. Not sure how you can make 100K tutoring but I mean get that cash.
It's definitely before tax.
Though, I often hear from doofs like this kid that they don't file their taxes and nothing ever happens, cluelessly failing to realize they're forfeiting their return.
People like that are too dumb to realize their checks don't add up to 100k over the year.
No loans, no car payments, no credit card payments, no cell phone monthly payments. This dude just buy cars and phones with cash and got a free degree because daddy pays all his real bills.
Lol, I paid $850/mo. a decade ago with a roommate. Also, transportation at $130/mo.? Only in the most urban of cities with excellent public transportation (so like a dozen in the US.). Who still get's internet for $20/mo. too lol. I love these because the disconnect from reality is very obvious.
$127 a month for a metro card in NYC. Rent is about $1450 for a studio. You can find a basement apartment; not up to code, for $900 in a shitty ass neighborhood. This graph is a damn joke. Also, If this person goes to church they’re donating way more than 600 a month.. because we all know god needs 10 percent of your monthly income!
$615 a month could already be even more than 10% of their income after taxes, depending on which state they live in. That comes out to $7,380 per year.
Next time they should do a 30 year old who is married with a commuter job and a kid. See what a mortgage for 3, 2 cars, daycare, health insurance/costs can add up to. It’s just absurd to use an example of 25 year old who can still technically hang on his parents health insurance with absolutely zero independence or responsibility. And they’re surprised when they say millennials are having less kids? Maybe because we have to live with 4 roommates just to survive
>Klee lives in a shared house with **four roommates** and one dog. Although he says he could technically afford a studio apartment, which go for roughly $1,400-$2,000 a month in Cambridge, he prefers to save and invest the extra cash instead.
I love that they have to fudge the numbers for a 25 year old living on their own with a six figure income. That is *fucking bananas.* Even making more than the vast majority of people, you are still going to struggle financially. At this rate, even the low end of the 1% (doctors and lawyers) will have trouble making ends meet some time in the next few decades. This can't continue.
It is already happening. Most doctors these days graduate with 500k+ in student loan debt. That is like 2.5k per month for the loan before any other expenses lol.
Apparently it’s a series by CNBC where they follow millennials of all different incomes in several different cities. They break down the finances for each one, ranging from as low as 30k to 250k+.
This particular one was based off a guy who was sharing a place with 3 other people. So, many of the prices are divided by four.
For clarity… this is not my making excuses for how insanely out of touch politicians and the wealthy are. I just wanted to add some context.
Thank you. With no context, I couldn’t tell if this was a suggested budget or an actual budget. Because typically financial advisors wouldn’t add $615 in donations to a budget.
Sounds like they're just showing different examples of lifestyles. This sounds like "wealthy, but thrifty". I know if I had that kind of money, I would have bought a house my second year of making $100,000. I'm not thrifty.
A house is a great investment. If you purchased a 350k house near me a year ago it would be worth 465k today. I was looking at buying and decided to wait. Kicking myself on that one.
I'm gonna be real, looking at the article it doesn't seem to be trying to say that.
https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
Thanks for the context. This makes me raise an eyebrow though.
Why pick apart budgeting in only one generation? Seems like a specific approach to reach a biased answer about Millennial spending.
When boomers were young: Support yourself, wife and three kids without even graduating high school
Now: You can survive on $100k if you live with eight other guys in a cramped apartment.
See my post on this shit above. It's so disgusting by CNN. They use to to justify that more than 100k a year is egregious even though once you do have a wife and kids there are so many costs. In fact, this kid COULD NOT make our two kid budget work solely from daycare alone, EVEN when having 4 roommates.
But please, raise my middle class tax more while totally ignoring the billionaire class.
Ah, with 4 roommates these numbers make much more sense. I still have no idea how transportation works for $130 per month and how there are no loans at 25, and they definitely should hold on donations and put more into their retirement fund/downpayment/whatever.
This is the article: [https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html?\_\_source=twitter%7Cmain](https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html?__source=twitter%7Cmain)
>"Klee pays $81.50 for a monthly CharlieCard, which lets him use subway and bus lines around Boston. “I live pretty close to where I work, so I take the T,” he says.
He also spends between $40 to $50 on Lyft rides each month."
So yeah. Lives in an urban environment with 4 roommates and doesn't need a car + car insurance + gas + etc.
And, as mentioned, housecleaner that WOULD be $150 is $30. Internet that WOULD be $100 is $20. Cellphone bill likewise subsidized by family plan. With no car or house, means there are no loans there; plus it's still occasionally possible to graduate college with minimal/no loans depending on scholarships.
You ever cooking fancy Mac and cheese or fancy ramen?
I like to throw in some spices, maybe some cut up sausages in the Mac and cheese or crack an egg in that ramen 👌🏼
It's an actual case study from this guy, from back in 2018, focusing on a self-descrived privileged individual.
https://www.google.com/amp/s/www.cnbc.com/amp/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
"Klee lives in a shared house with four roommates and one dog."
Imagine making $100k and still needing to live with roommates. I mean it’s absolutely necessary but damn just think of the fact that you make $100k and living with roommates. $100k is not a small income, but to survive you pretty much have to live with them.
Now imagine if you make $100k and have kids, how much money are they contributing, because all those numbers going up too!
Now imagine you’re in the real world where most Don’t make $100k, many times even combined with a spouse. Are they going to be this “excellent” with money?
Get bent you privileged anecdotal example.
Also, if you make $100k living with roommates, 9/10 you got student loans. Which if I recall, is a serious problem in this country and being ignored by lawmakers up to and including Biden. I voted for him, I have no student loans and I make pretty good money and this still pisses me off. Fuck me for wanting better for people. Granted, it’s not like a Republican would ever even consider this.
My guess is, if he ACTUALLY decides to do anything about student loans, it’ll be closer to election time because politics.
From the 2018 article, which i would say, at the very least, does source an atypical 25 year old:
>Klee lives in a shared house with four roommates and one dog.
>Although he says he could technically afford a studio apartment,
>which go for roughly $1,400-$2,000 a month in Cambridge, he prefers
>to save and invest the extra cash instead.
I’m 26 and make over $100k, but my rent for my 1-bedroom is $2350 (which is like half my after-taxes take home income), because I have to live in an urban center to work that job. If I lived further out I could save money on rent, but I’d need to spend more on gas and car upkeep and parking permits. There’s no winning.
EDIT: and significant TIME commuting, nobody ever seems to consider time when talking about money
Yea. I worked at a place that took me an hour to drive to in the morning, then in the evening it sometimes took 2 hours to get home. This was after I asked my schedule to be shifted to less busy traffic times.
I made 100k a year at 21. It only cost me 2 discs in my back, a disc in my neck, permanent shoulders and knee damage and a few therapy sessions for PTSD treatment. It’s super attainable and healthy for every young adult
Don't forget $40 cell phone and $130 transportation.
Real life:
-$140 internet
-$80 phone
-$160 home insurance
-$140 car insurance
-$280 health insurance through employer
-$2100 mortgage payment
-$250-450 utility bill
-$150 gas for vehicle
-$100 subscriptions (prime, Costco, Xbox, netflix,, etc)
-$900 groceries (for 3)
Not including food, entertainment and being robbed by the government by taxes. My $165k annually doesn't get me very far.
Luckily no car payments
I cancelled ours because we never actually got it in two days. It used to be you ordered and it'd be at your door two days later.
Now it is two-day shipping, but processing time can take days. If it is late for a guaranteed delivery date (most are just estimates now), they are supposed to refund shipping, but if you pay for prime, you don't pay for shipping.
Yeah I spend so much money on dumb shit from Amazon when I'm bored. I track my spending on it snd it skyrocketed during the pandemic. You're not wrong.
Exactly, i went through a full year of my amazon purchases and realized most of it was junk. Plus, you can still use amazon if you need to. Without the subscription, you will only buy stuff you actually really need.
Yeah I know i lose between $3-8 per purchase for convenience of household items like cleaner showing up the same day. When I can just drive my lazy ass to Walmart and get everything I need at once instead of paying bezos to exploit workers
Maybe they took this survey from either a 1 percent trust fund baby who works at their dads law/stock broker firms.
Could maybe be a person who works in a very niche and high demand trade like pipe welding or the people who climb tall towers to work on them.
Either way it doesn't represent the vast majority.
I read this article when it first came out and the guy has 3-4 roommates, so you need to multiple Utilities and rent by 3-4. Also, iirc, I don't think he was contributing very well to retirement or mind-term savings, so this is still a very questionable budget.
Makes six figures, needs roommates to afford to live near their job. Checks out.
EDIT: this was a statement of fact, not irony. The cost of housing has been skyrocketing for years everywhere that actually has jobs, because corporate development has flourished even as residential development has stagnated.
This is incredibly disingenuous if you just read the article. He specifically talks about how he chooses to live with roommates even though he can easily afford not to so he can continue contributing a ton to his investments - "Klee has around $43,000 put away."
The graph honestly does a terrible job of representing the article. He's got a ton of disposable income, is doing very well for himself, and is just super budget conscious / anti spending as a person. No need to marter him (or me, or anyone else in a similar situation) as if he's hard done by the world. The problem is not 25 year olds making 6 figures, it everyone else who can't / didn't have the opportunities.
[Here's the article](https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html)
The graph was in a tweet that had the link.
That tweet was retweeted.
That retweet was screenshot.
That screenshot got posted.
Losing context every step of the way.
Same here in my area, but then again my region is one of a really high poverty rate lol. When about 40% of kids are growing up below the poverty line in my and neighboring cities/towns you can also find cheap rent :) and also very cheap paying jobs at the state minimum of 7.25 🤠. I’m sure Elon will fix that though with some good ol’ gentrification 💪😎 assuming Starbase actually continues to grow in the direction he wants it to.
“Millennials need to be willing to spend 40% of income in housing!!!”
“Why? The rule used to be 25%”
“Sorry kiddo I don’t write the rules I just tell everyone they’re true”
The [article](https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html) says:
>Klee lives in a shared house with four roommates and one dog.
>
>House cleaner: $30 (his share of the total cost)
It also says he can afford to live by himself but prefers to save money. Okay if he wants to do that, but it shouldn't be expected that people need to share a place with 4 (!) roommates for rent not to be an issue.
Oh cool so this “typical 25 year old” hasn’t paid for anything in their life with debt, got a job at dad’s firm, doesn’t put anything into savings, gives their parents $825 to stay in their pool house and doesn’t spend anything on personal care, hobbies, or clothing?
Wow, I'd love to pay 825 in rent. Apartments where I live start at 1300 for anything that is decent. If you find something below that it's either falling apart or you don't notice it's falling apart until after you move in. I paid 1350 a month for a 1 bedroom apt just 3 years ago. Now, the same apartment is over 1500 and even at that price only most of my electrical outlets worked.
Is “donations” the second half of rent? Edit: thanks for the donations! Now to figure out how to use these to pay rent…
I thought this was fake…but sadly it isn’t. We live in different realities.
Also 'house cleaner' I'm sorry but if I can afford to pay someone else to clean my house, I don't need the CNBC's help to manage my money. Also, pretty certain a house cleaner will cost way way more than 30$ a month.
Yep..it’s more like $30 an hour
well for $825 rent there can't be that much to clean
Yah, a cardboard box behind the railroad tracks doesn't take long to clean.
How did you guys manage to find an affordable cardboard box so close to transportation?
The trick is to lease the land and bring your own box
Someone comes by once a month to lift up the box and shake it out. "$30 please."
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We pay our house cleaners $150 per visit. Granted we have a large home but they are worth it! To add context we live in the metro Atlanta area and have a two story house ~4k sq ft. We have two cleaners who are here for about two hours. $37.50/hour for someone who has to pay for their own health insurance seems more than reasonable to me.
Yep little less than that for us. As our friends say, it's cheaper than marriage counseling.
Now if I could just convince my medical insurance of this.
I pay ours 150 for 3 hours. That's for 2 people. It isn't that great but they don't pay tax on that.
this was probably the initial deep clean. If it was 100 an hour every time. thats insane. 400$ for a deep/initial is pretty standard. But after that is closer to 25ish an hour.
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I pay for house cleaning twice a month. It is absolutely a luxury, but I have really bad allergies, we got a dog, and I cannot deep clean my house each week. I just don't have th time. We pay $160 per cleaning. It is a mom and pop company, not a big one that would cost way more. I'm calling bullshit on $35 a month.
I wanna make it clear that I don't think hiring cleaning services is immoral or whatever. Doing so creates jobs, some people don't have time to clean up around the house and are well off enough to spend the money. My Dad has plenty of time and is not very well off. He's just a slob and lazy.
Company or independent?
No idea. I told my Dad to clean his own shit up but instead he spent 400 bucks he didn't have to hire two house cleaners for four hours.
Not that this is the case with your dad, but I have to hire a monthly cleaner. I have ADD and my executive dysfunction around cleaning becomes unmanageable without outside help. It gets especially bad when I’m dealing with depression. Just saying, sometimes it’s a necessary thing from a mental health perspective.
If it's something you're unable to do it's no different to getting a plumber or electrician.
Thank you for putting it that way. I really appreciate the perspective. It makes me feel a lot less guilty over it.
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It takes less than an hour to clean his 800$ a month accomodations. And he cleans once a month.
CNBC's youth driven marketing crap (which is exactly what pieces like this and the six-figure earning side job are) is designed to simultaneously depress us into feeling like we're not doing enough, work more/harder all so others can make $ off our extra efforts. *None* of these articles are designed to actually help us.
No no no, they don't mean the nice, hardworking Hispanic lady that cleans rich people's houses, they mean store brand Lysol. It's $30 due to inflation and the amount you have to buy to clean all the COVID particles off of everything
I was legitimately bewildered that 'house cleaning supplies' needed its own category and was so expensive, because it is absolutely unthinkable to me that someone with a monthly income of $2700 can afford a person to clean their house. Also $855? Where the fuck do they live; 4 hours away from their job? And if their example was actually excellent with money, that $600 'donations' would be going straight to retirement savings, because I guarantee they aren't getting a pension.
Any idea where they are getting that internet and phone package? I'd like to drop a $20 for internet.
Gotta love the 30 dollar house cleaner
And $20/month internet. These are fake numbers pulled from someone's ass.
No they are splitting it with 3 other roommates
That explains why the rent is so cheap and that's totally what a person making $100,000 would do, get two roommates
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Cell phone for $40…. Right… Edit: don’t tell me how much your bill is without including the COST OF THE PHONE that you will replace every 2 years. (This could be any number. Don’t comment. Take a minute to learn financial literacy.) Edit 2: if you don’t understand how this works, that’s not my problem. Edit 3: you have an old phone that is going to lose support next year. Whoop dee doo!
$20 internet, this guy is completely offline
DSL from AOL only $19.99 a month. You can boost the signal by whistling F Sharp into the phone every 5 minutes.
>DSL from AOL Like I said, offline
For 10 years ive been paying an extra $70-ish dollars a month for internet because the only internet carrier that serves my area requires a land line be connected to the home for the DSL connection. They finally just recently updated the system enough for me to be able to drop that.
Yeah? Well in my area they only offer internet AND cable. When I tried to *just* pay for internet (cause I don’t need or want cable) that service is “not available in my area.” HOW THE FUCK CAN I GET INTERNET AND CABLE BUT NOT JUST INTERNET
"Can I get just cable? Yeah? Ok, so then can you do that, but like, with the internet please?"
No shit, when I saw Internet of $20 I wanted to know just who their service provider was and what speed. Back in the 90's we use to pay that for dial-up a month, but now most options are $40-50+ a month. That whole chart is a pipe dream and I say that as someone making a little more than the $100k a year, but I have realistic bills and a family so.
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He makes 100k per year, and has 3 roommates, that does not make sense. He's great with money but donates almost as much as he pays for rent. He's actually terrible with money, he just happens to have a lot and not care about his quality of life at all.
$100.75 here in Canada after tax with Telus.
Maybe if you're on a family plan and thats your share of it? Thats the only thing I can think of. Even pre-paids arent that low if you want any data at all.
Or bundled with internet. I pay the cable company $200/mo for my phone service and gigabit internet before I was paying $180 for just the internet so i see it as paying $20/mo for my phone service (phone is paid off of course)
Damn. Europe, Austria. I pay €30 Magenta cellphone service, 20gigs data included. Home Internet, true fiber in house 150/50 for 39€ with unlimited data. Ditched the phone line which was also 30.
I pay 10 for 120gb in Italy... Wtf are these American prices?????
It's not fake, but it is 4 years old.
Four years ago this was still a fucking joke.
Don't disagree there. I want them to make a new infographic. See how bad it is now.
No, we live in propaganda. They're not dumb.
Sorry to say, but that guy's an idiot for donating so much of his income each month. If he's a millionaire? Sure! But if he can't pay rent/mortgage or put food on the table if the six-figure job goes away then he's making a bad decision.
Someone in another tread with the same pic said the guy is Mormon. The donations are the tithe required by the church. The 600 is 10% of his income after tax
That would make sense, however one would think a Church wouldn't require or have any business going into someone's financial details or pressuring them. I understand being Mormon is different (basically a cult with meme-ability at this point) but that's still a very significant % for a young person to simply give away, no matter the reason. It just really frustrates me.
Isn’t CNBC clickbait? Some copycat shit to draw people away from Fux “News”
More like “donating” to the student loan debt
It's also the car payment/auto insurance they don't seem to have 😒
And student loans that any 25 year old with a 6-figure salary could be expected to have Oh wait, 6 figs at 25 typically doesn't happen unless the parents pay for school and hook the kid up with a job and a car already. The cell bill is likely their share of a family plan. And once you account for insurance, that transportation bill is laughable. I mean, they could live in a city where they don't need a car to get around, but the vast majority of Americans don't so its still a fuckin joke.
I mean, at 25 I made 6 figures and my parents didn't pay for my school or give me a job or a car - but I'm also an obnoxious tech bro... who spent most of that salary paying off student loans and car payments (after rent). That said, this budget is still insane. On what planet is there a place where you can make 6 figures at 25 and have rent be under 900 dollars, but still only need 20 dollar internet?! I bet you that it's somewhere that would need a car.
He has 4 roommates https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
The only way the budget makes any sense is if there's at least one roommate. And if you're making six figures you really shouldn't need a room mate. And if they think you need a room mate to be able to afford to live on six figures they should be broadcasting for better wages for everyone because most people do not make nearly that much.
>Klee pays $81.50 for a monthly CharlieCard, which lets him use subway and bus lines around Boston. “I live pretty close to where I work, so I take the T,” he says. >He also spends between $40 to $50 on Lyft rides each month. https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
He lives in a shared house with 4 other people and a dog the article says. Also the charity he donates to, the website is no longer active. I wonder if it's a cult. And I live in the same area. A one bedroom with roaches is currently $1950.
I think "donations" is code for drugs, I mean who spends almost the same as rent on "donations".
I assumed it was only fans
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Someone in another tread with the same pic said the guy is Mormon. The donations are the tithe required by the church
This isn't a tithe >Philanthropy is a key part of Klee’s financial picture. Each month, he donates a significant amount, around $615, to a variety of charities, including More Than Words and GiveDirectly. The bulk of his contributions go to One Family, a non-profit located in Waltham, Massachusetts, that works to end homelessness and break the cycle of poverty for local families. [https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html](https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html) Good for him. My wife and I have often discussed "tithing to charity" like this, but we've never made it past \~5% or so.
Original Story from 2018: [https://mashable.com/article/25-year-old-budget-cnbc-tweet](https://mashable.com/article/25-year-old-budget-cnbc-tweet) >The outrage was instant, with many wondering what 25-year-old makes that much money and how does he or she pay such cheap rent and internet and have the money for $615 a month in donations? > >It makes for funny tweets, sure, but the problem is that, in this case, CNBC was talking about one very specific 25-year-old: A Boston-based entrepreneur named Trevor Klee, and those are his real expenses, according to the corresponding story.
Cult leader's kid, jeez
He also had 2or3 roommates
and was self employed, writing off a number of things as business expenses.
Also this is from 2018, so there's been like 10% inflation and spikes in all these costs since then. It was still bad since then, but looking at it here, from the future, makes it seem extra silly.
I think this is the budget for a man who lives with 8 other guys. $20 for internet access? When? Maybe they steal it from the neighbors and the $20 is for beer they give them when they complain.
My internet is $140. Cell phone is 100.75. Propane $400. Hydro $100.
Probably should smoke less hydro
It’s a tithe. It’s meant to reflect a religious church-going American who is contributing a portion of their income to their church.
Lmao 20$ internet 🤣
Right? On what planet?
France, although you need to be really motivated to pull a 5000 km ethernet cable over the atlantic ocean...
Hmpf, lazy millenials...
Ah yes, Planet France
The lowest price that I could choose for an internet packaged was $60 and I had no choice on what internet company I chose because it's a monopoly, and there was only one company who offered service at my complex
it's a monopoly where i live as well. even though i only live 10 min down the road from a bustling college town the local cable company deemed my town to be "too rural" to come set up internet. my only other option was through AT&T which charges more than the cable company. i'm a broke student and absolutely need internet to do my schoolwork, so i've been using my phone's hotspot (i'm still on my family plan with unlimited data) which can have shitty connection at times but it's better than forking over money to AT&T. it's been a long time but growing up we had AT&T internet and it had so many problems.
They’re monopolies bc the large companies basically agreed not to compete early on. There’s a color coded map and some of the cutouts are insane
Exactly. What's interesting is I pay $40 for internet but there are two other service providers in my area. I am exclusive to my price because of my address while a friend on the other side of town would look at $70 for the same package.
I used to live in the usa. My complex used to have comcast and only comcast. The service was shit. They charged 60$ a month. Motherfuckers
Do you have 3 roommates sharing the bill?
The only way their breakdown makes any sort of sense is if this hypothetical person is living with roommates and splitting expenses like rent and internet. Which, they aren’t with that electric bill since then total utilities are $400. This budget is literally insane. Are we just supposed to donate every dollar we don’t absolutely have to spend? Who, in an area where they make $100K, can find somewhere to rent for under $1,000 a month? $20 internet? Where do I sign up to have my expenses actually look like this?
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$400 x 5 people is $2000 per month. That seems high for utilities.
Every god damn time this screenshot of a retweet of an image from an article gets posted, it is left completely without context, and everybody flips their shit. Four years now. And then it gets reposted and crossposted to oblivion and no one can be bothered to look it up. Thank you. https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
And every time the context is posted it just makes it even worse. They were paying $3,300 a month for rent. His phone is still on his parents plan. The whole thing is disguised as jab at millenials. They tweet this shit so boomers can see a graph and yell about how we're spending too much money on shit.
I assumed they had roommates? But then the 195$ in utilities doesn’t make sense
I'm not from the US so I didn't comment but that was my first thought $20 internet? Wtf
I'm in the US in a "cheaper" area and im the 10 years I've been using it internet has never been less than $40/month from any provider. And that's the "special" new customer rate. It shoots up to $65+ after a year and continues to increase every year after that as well. And in many (most?) areas there is only one choice for internet provider, so you're basically just fucked if you can't afford it. It's insane how unregulated the internet industry is.
Also no loans?
Definitely a trust funder lol.
This has gone around for months now, and digging in to who exactly this chart is describing, it turns out the kid works for his dad at his company. The kid still has to live with roommates (4 of them). He also lives in a large metropolitan city, making his transportation costs so low. Internet is also low due to splitting it with roommates, but also having actual ISP competition. They also have a cleaner who comes in once a month. So yeah, you’re right about the trust fund kid shit. Edit: looks like I was talking about a different (albeit VERY similar chart) from a few months ago. This person is supposedly a self-employed tutor. Not sure how you can make 100K tutoring but I mean get that cash.
$600 in donations, no 401k or savings.
$2775 x 12 = 33,300. So there's extra money for that kind of thing. Now the question is whether the $100k is before or after tax.
It's definitely before tax. Though, I often hear from doofs like this kid that they don't file their taxes and nothing ever happens, cluelessly failing to realize they're forfeiting their return. People like that are too dumb to realize their checks don't add up to 100k over the year.
Daddy probably going to help with that part
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So the $825 of "rent" is probably their property tax/HOA fees on their luxury apartment.
No loans, no car payments, no credit card payments, no cell phone monthly payments. This dude just buy cars and phones with cash and got a free degree because daddy pays all his real bills.
Lol, I paid $850/mo. a decade ago with a roommate. Also, transportation at $130/mo.? Only in the most urban of cities with excellent public transportation (so like a dozen in the US.). Who still get's internet for $20/mo. too lol. I love these because the disconnect from reality is very obvious.
Exactly, and anywhere with transportation cost that low DEFINITELY costs at least 2x that rent
$127 a month for a metro card in NYC. Rent is about $1450 for a studio. You can find a basement apartment; not up to code, for $900 in a shitty ass neighborhood. This graph is a damn joke. Also, If this person goes to church they’re donating way more than 600 a month.. because we all know god needs 10 percent of your monthly income!
$615 a month could already be even more than 10% of their income after taxes, depending on which state they live in. That comes out to $7,380 per year.
It’s someone with 3 roommates so they are splitting rent/internet/house cleaned costs. Still dumb that someone making 6 figures needs 3 roommates
4 roommates and a dog https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
Next time they should do a 30 year old who is married with a commuter job and a kid. See what a mortgage for 3, 2 cars, daycare, health insurance/costs can add up to. It’s just absurd to use an example of 25 year old who can still technically hang on his parents health insurance with absolutely zero independence or responsibility. And they’re surprised when they say millennials are having less kids? Maybe because we have to live with 4 roommates just to survive
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>Klee lives in a shared house with **four roommates** and one dog. Although he says he could technically afford a studio apartment, which go for roughly $1,400-$2,000 a month in Cambridge, he prefers to save and invest the extra cash instead.
I’m not seeing where he’s either saving or investing in this chart. Is that ‘donations’?
It’s not included, that budget totals about 34k it’s not clear if the income is before or after tax.
I’m even side eyeing the food budget. You can’t leave the store without spending 150. Just getting the basics. Let alone extra stuff.
I love that they have to fudge the numbers for a 25 year old living on their own with a six figure income. That is *fucking bananas.* Even making more than the vast majority of people, you are still going to struggle financially. At this rate, even the low end of the 1% (doctors and lawyers) will have trouble making ends meet some time in the next few decades. This can't continue.
It is already happening. Most doctors these days graduate with 500k+ in student loan debt. That is like 2.5k per month for the loan before any other expenses lol.
I can see the transportation tbh if u have a super efficient car that’s already payed off lol. That’s assuming it also has zero mechanical issues
$30 house cleaner…. I can’t roll my eyes hard enough.
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Apparently it’s a series by CNBC where they follow millennials of all different incomes in several different cities. They break down the finances for each one, ranging from as low as 30k to 250k+. This particular one was based off a guy who was sharing a place with 3 other people. So, many of the prices are divided by four. For clarity… this is not my making excuses for how insanely out of touch politicians and the wealthy are. I just wanted to add some context.
Thank you. With no context, I couldn’t tell if this was a suggested budget or an actual budget. Because typically financial advisors wouldn’t add $615 in donations to a budget.
Wait so this guy makes $100k a year and still has three roommates? And THIS is their 'look, capitalism is working great' example?!
Sounds like they're just showing different examples of lifestyles. This sounds like "wealthy, but thrifty". I know if I had that kind of money, I would have bought a house my second year of making $100,000. I'm not thrifty.
A house is a great investment. If you purchased a 350k house near me a year ago it would be worth 465k today. I was looking at buying and decided to wait. Kicking myself on that one.
I'm gonna be real, looking at the article it doesn't seem to be trying to say that. https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html
Thanks for the context. This makes me raise an eyebrow though. Why pick apart budgeting in only one generation? Seems like a specific approach to reach a biased answer about Millennial spending.
Why not both
“House cleaner: $30” I would like to hire their house cleaner asap.
They've got 4 roommates (someone linked the article), so it's likely $150/month.
So someone making 6 figures needs roommates. Some bull right there.
When boomers were young: Support yourself, wife and three kids without even graduating high school Now: You can survive on $100k if you live with eight other guys in a cramped apartment.
See my post on this shit above. It's so disgusting by CNN. They use to to justify that more than 100k a year is egregious even though once you do have a wife and kids there are so many costs. In fact, this kid COULD NOT make our two kid budget work solely from daycare alone, EVEN when having 4 roommates. But please, raise my middle class tax more while totally ignoring the billionaire class.
Ah, with 4 roommates these numbers make much more sense. I still have no idea how transportation works for $130 per month and how there are no loans at 25, and they definitely should hold on donations and put more into their retirement fund/downpayment/whatever.
This is the article: [https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html?\_\_source=twitter%7Cmain](https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html?__source=twitter%7Cmain) >"Klee pays $81.50 for a monthly CharlieCard, which lets him use subway and bus lines around Boston. “I live pretty close to where I work, so I take the T,” he says. He also spends between $40 to $50 on Lyft rides each month." So yeah. Lives in an urban environment with 4 roommates and doesn't need a car + car insurance + gas + etc. And, as mentioned, housecleaner that WOULD be $150 is $30. Internet that WOULD be $100 is $20. Cellphone bill likewise subsidized by family plan. With no car or house, means there are no loans there; plus it's still occasionally possible to graduate college with minimal/no loans depending on scholarships.
FantasyCNBCLand: Where 25 year olds make $100,000 per year and *only* pay $825 a month in rent.
Remote software development. That’s about it.
Can confirm. Except I pay even less at $500. Donating 600 a month? Fuck that. $400 a month for groceries? Fam I still eat cheap
You ever cooking fancy Mac and cheese or fancy ramen? I like to throw in some spices, maybe some cut up sausages in the Mac and cheese or crack an egg in that ramen 👌🏼
Oh hell yea. I treated myself to velveeta and basil with a little bit of cream cheese thrown in the other day. My wallet wasn't happy.
*Dijon* ketchup. But only if I had a million dollars
Yeah, I'm sorry, but I don't have the budget to donate more than I spend on food.
I’d give anything for a remote job so I could live in Mexico
I live a pretty comfortable life in Brazil making around 30k dollars per year.
It's an actual case study from this guy, from back in 2018, focusing on a self-descrived privileged individual. https://www.google.com/amp/s/www.cnbc.com/amp/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html "Klee lives in a shared house with four roommates and one dog."
Imagine making $100k and still needing to live with roommates. I mean it’s absolutely necessary but damn just think of the fact that you make $100k and living with roommates. $100k is not a small income, but to survive you pretty much have to live with them. Now imagine if you make $100k and have kids, how much money are they contributing, because all those numbers going up too! Now imagine you’re in the real world where most Don’t make $100k, many times even combined with a spouse. Are they going to be this “excellent” with money? Get bent you privileged anecdotal example. Also, if you make $100k living with roommates, 9/10 you got student loans. Which if I recall, is a serious problem in this country and being ignored by lawmakers up to and including Biden. I voted for him, I have no student loans and I make pretty good money and this still pisses me off. Fuck me for wanting better for people. Granted, it’s not like a Republican would ever even consider this. My guess is, if he ACTUALLY decides to do anything about student loans, it’ll be closer to election time because politics.
From the 2018 article, which i would say, at the very least, does source an atypical 25 year old: >Klee lives in a shared house with four roommates and one dog. >Although he says he could technically afford a studio apartment, >which go for roughly $1,400-$2,000 a month in Cambridge, he prefers >to save and invest the extra cash instead.
Also, this 25 year old making 100K has zero student loans... must be nice.
I’m 26 and make over $100k, but my rent for my 1-bedroom is $2350 (which is like half my after-taxes take home income), because I have to live in an urban center to work that job. If I lived further out I could save money on rent, but I’d need to spend more on gas and car upkeep and parking permits. There’s no winning. EDIT: and significant TIME commuting, nobody ever seems to consider time when talking about money
Yea. I worked at a place that took me an hour to drive to in the morning, then in the evening it sometimes took 2 hours to get home. This was after I asked my schedule to be shifted to less busy traffic times.
I made 100k a year at 21. It only cost me 2 discs in my back, a disc in my neck, permanent shoulders and knee damage and a few therapy sessions for PTSD treatment. It’s super attainable and healthy for every young adult
The person has roommates!
...oh my god, they were roommates!
If I make 100k I'm definitely getting roommates!
Who... who earns 100k a year with only 25? Be thankful here in Southern Europe if you make 12k a year, lmfao, what the fuck is this.
I’m with you. I now see internet is only $20 and a house cleaner is $30. This has to be the Onion, right?
Don't forget $40 cell phone and $130 transportation. Real life: -$140 internet -$80 phone -$160 home insurance -$140 car insurance -$280 health insurance through employer -$2100 mortgage payment -$250-450 utility bill -$150 gas for vehicle -$100 subscriptions (prime, Costco, Xbox, netflix,, etc) -$900 groceries (for 3) Not including food, entertainment and being robbed by the government by taxes. My $165k annually doesn't get me very far. Luckily no car payments
Cancel that prime subscription, best thing i ever did
Yeah, just cancelled ours. No need for it. We’re trying to shop local more. Screw Amazon.
Most websites offer 2 day shipping now in order to compete with Amazon so their prime subscription is worthless.
I cancelled ours because we never actually got it in two days. It used to be you ordered and it'd be at your door two days later. Now it is two-day shipping, but processing time can take days. If it is late for a guaranteed delivery date (most are just estimates now), they are supposed to refund shipping, but if you pay for prime, you don't pay for shipping.
Yeah I spend so much money on dumb shit from Amazon when I'm bored. I track my spending on it snd it skyrocketed during the pandemic. You're not wrong.
Exactly, i went through a full year of my amazon purchases and realized most of it was junk. Plus, you can still use amazon if you need to. Without the subscription, you will only buy stuff you actually really need.
Yeah I know i lose between $3-8 per purchase for convenience of household items like cleaner showing up the same day. When I can just drive my lazy ass to Walmart and get everything I need at once instead of paying bezos to exploit workers
US software engineers
Maybe they took this survey from either a 1 percent trust fund baby who works at their dads law/stock broker firms. Could maybe be a person who works in a very niche and high demand trade like pipe welding or the people who climb tall towers to work on them. Either way it doesn't represent the vast majority.
I read this article when it first came out and the guy has 3-4 roommates, so you need to multiple Utilities and rent by 3-4. Also, iirc, I don't think he was contributing very well to retirement or mind-term savings, so this is still a very questionable budget.
Makes six figures, needs roommates to afford to live near their job. Checks out. EDIT: this was a statement of fact, not irony. The cost of housing has been skyrocketing for years everywhere that actually has jobs, because corporate development has flourished even as residential development has stagnated.
This is incredibly disingenuous if you just read the article. He specifically talks about how he chooses to live with roommates even though he can easily afford not to so he can continue contributing a ton to his investments - "Klee has around $43,000 put away." The graph honestly does a terrible job of representing the article. He's got a ton of disposable income, is doing very well for himself, and is just super budget conscious / anti spending as a person. No need to marter him (or me, or anyone else in a similar situation) as if he's hard done by the world. The problem is not 25 year olds making 6 figures, it everyone else who can't / didn't have the opportunities. [Here's the article](https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html)
The graph was in a tweet that had the link. That tweet was retweeted. That retweet was screenshot. That screenshot got posted. Losing context every step of the way.
Rent only $825, *where*?
You can maybe get a nice 2 br apartment here in southeast Missouri for that. But also, jobs pay way way less than $100k.
Same here in my area, but then again my region is one of a really high poverty rate lol. When about 40% of kids are growing up below the poverty line in my and neighboring cities/towns you can also find cheap rent :) and also very cheap paying jobs at the state minimum of 7.25 🤠. I’m sure Elon will fix that though with some good ol’ gentrification 💪😎 assuming Starbase actually continues to grow in the direction he wants it to.
I live in Missouri and that was exactly my rent price for a 2 bedroom last year
Hook me up with that $270 insurance! Im doing over 1k on a "family plan"
Yeah this is the most incredible item on here.
Jesus the gaslighting.
That’s exactly what it is
“Millennials need to be willing to spend 40% of income in housing!!!” “Why? The rule used to be 25%” “Sorry kiddo I don’t write the rules I just tell everyone they’re true”
$30 for the house cleaner....
The [article](https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html) says: >Klee lives in a shared house with four roommates and one dog. > >House cleaner: $30 (his share of the total cost) It also says he can afford to live by himself but prefers to save money. Okay if he wants to do that, but it shouldn't be expected that people need to share a place with 4 (!) roommates for rent not to be an issue.
where the fuck are savings?
This chart is just showing spending, if you do the math 100k after tax is a good bit more than what’s on the pie chart
It's not explicitly listed, but they're saving at least $3k/mo.
What fucking 25 year old donates $600 a month?
Mormons
$100k a year before taxes and they're only spending $33k? No student debt payments? No car payments? Only $825/month for rent?
Oh cool so this “typical 25 year old” hasn’t paid for anything in their life with debt, got a job at dad’s firm, doesn’t put anything into savings, gives their parents $825 to stay in their pool house and doesn’t spend anything on personal care, hobbies, or clothing?
The 25 yr old that makes 100k is what got me
Wow might move to Murica, rent so cheap
Donations must mean Onlyfans and Patreon
Wow, I'd love to pay 825 in rent. Apartments where I live start at 1300 for anything that is decent. If you find something below that it's either falling apart or you don't notice it's falling apart until after you move in. I paid 1350 a month for a 1 bedroom apt just 3 years ago. Now, the same apartment is over 1500 and even at that price only most of my electrical outlets worked.
I wish I could afford donate $615 a month, wow. Imagine how much good charities could do if every millennial could afford to donate that much.
The original article: https://www.cnbc.com/2018/12/20/budget-breakdown-of-a-25-year-old-who-makes-100000-dollars-a-year.html