I’m a Hispanic 22year old and a lot of people in my culture think it’s rude or weird to talk about money and I personally think it’s SOO helpful to talk about it ! How am I ever going to know how much to save to ever be on my own or save for important things like retirement or a house one day ?! thank you for talking about this it’s very very helpful !!
i don't think there's room for hate here. you're just living your life and being real and honest. can everyone live like this? no! and that's okay. you can't apologize for living within your personal means! this was such a fun and interesting video to watch and i loved hearing how you live and what the cost of living is in a different city!
Absolutely loved that you filmed despite your infection! So many people probably wouldn’t have but this just reiterates how relatable, humble and confident you are. I’m going to be thinking of you when I challenge myself to be kinder to myself in my own skin. Thanks for the great vid! I would love to visit Texas
I love the vulnerability of a video like this. I've lived in several, SEVERAL, places over the past decade- and it gives you a lot of perspective about the value of things in different places and in different stations of life. People can get really "stuck" thinking that there's one way to do things, but a big move or life change can show you what's valuable to you, as an individual. I think your philosophy on eating out rn is great, seeing as it's helping you mentally and physically.
As so many have said already (I always love your comments section), thank you for being so open about your finances. It is very uncommon to hear someone use actual numbers and specifics when discussing money and it is so valuable to talk more about something this important. Be proud of yourself for what you've managed to create. I started watching you back in 2018 from your videos about living in a studio, didn't watch much youtube last year until around the time you talked about your divorce and don't think I've missed a video since. I don't live in the US and am not a Christian but you are now one of my favourites to watch. I love your kindness and find such value in your introspection and outlook on life (plus we have similar taste in clothes!) Thank you for sharing this, and everything else x
Thank you for being so open regarding your expenses/budget (love the pie chart). As a 51-year old woman, I learn so much from you…thank you for that! I was not nearly as organized at your age. Also, I understand the draw of renting. Not everyone wants a home and its expenses/upkeep, and I’m saying this as someone who is a homeowner who no longer has a mortgage. You are 🌟amazing🌟!
I truly appreciate how transparent you’ve been. You are one of my role models. Just the way you’ve been open about the struggle with your health (both physically and mentally) and life events. It’s refreshing to see a genuine, young, strong, Christian woman that’s stepping out of the norms in the influence world. Being vulnerable isn’t easy. So thank you for sharing your life, you’re reaching more people than you know sharing your story
Michel, I think you are actually spending money on “fun” stuff that could be considered business expenses because you very often vlog when you are out and about meeting up with friends, eating, drinking coffee, etc. And the fun stuff is also mental health expenses, too. You cannot afford mentally to sit home and mope. I think you are doing a great job of budgeting, saving, and having fun while literally taking care of yourself! By the way, your hair is gorgeous, girl. Sorry about the infection. Such is life when your immune system is compromised. So happy you are handling it beautifully and not freaking out about having to be on camera or trying to cover it up. You are such a great role model!
Your eating-out budget sounds about right. You seem to like cleaner foods at top-tier establishments, and good quality dining experiences cost (i resonate with you here). I'm passionate about food too, being autoimmune compromised, I eat the absolute best I can get my hands on. And coffee....girl, you're not alone. You work hard, treat yourself. It's a blessing that you're even able to afford to keep your lifestyle. Blessings.
I really appreciate you sharing about this because I make considerably less than this, it's just nice to know that I'm not doing something wrong. I feel like it's so fun to see you (and others) share products and shopping and eating out and it's great to get some perspective. It means I can still take little nuggets here and there but my lifestyle is completely different and there's nothing wrong with that. THANK YOU!
Michel you don’t have to explain why you have $400 fun money. You’re young, independent and auto sufficient. You can have $1000 dollars budge just for yourself, for fun and who judges you is a completely jealous person. You are my goal in life!!!!!
Also, that category is super reasonable for a single young person with no children! No shame in that. If you have it and are meeting your goals in other areas, go for it.
I really love videos like this! I am absolutely terrible at money management (I don't go over my means but I also don't watch it like I should) so this is really helpful to see and a good reminder to set a budget and stay on top of spending. A lot of things have changed for me in the past year or so financially, and I think after seeing this video, I need to break down where all my money goes. Thank you so much for your honesty in this video! Love it!❤😊
The way you put canned drinks in the fridge like that is genius! Opening both sides then sliding them through. My tush has been taking them out one or two at a time for decades 🤦🏻♀️
I'm a single 22 year old adult living in South Dakota. I also was married and have kids no pets right now. I pay $400 for a 2 bedroom apartment, 106.98 on my phone bill with unlimited data from Verizon, 80-85 on gas, 75 on car insurance, 25 every 2 weeks on groceries, 50 ish on electric. I don't have wifi and I flat out own my car. I only make about 1200 a month. I wont lie I very much struggle financially and my kids aren't able to live with me because I simply can't afford it. I live check to check. I think it's amazing how well your doing! Very good job and definitely keep it up!!
You work hard for your living and there is no shame in it! Hate or negative people is just their jealous heart. You are beautiful and very blessed so live your life! 💕
I have to say, you’re the most honest open about budget girl I watch on RUclips. It was so insightful, I live in a DEF more budget area and we have discussed trying to get to Dallas, TX with my husbands job. I’ve often wondered how COL would be living there. Ps you are so ridiculously cute even though you joke about your nose, it’s kind of unfair how adorable you are!!
This video just got me thinking about how we all see money and finances. I think it’s heathy to see how others live and how they budget. We all have different priorities, habits, and of course income. I think anyone criticizing is probably dealing with some insecurities in their own finances which can totally happen (I’ve definitely been in that place where it was hard to be happy for those who made more than me/lived “better” than I could because I was unhappy with my money habits/income). It’s just important to come back to earth and to not judge others for enjoying the fruit in their lives. We never know what’s going to happen and we never know how God is going to provide. Finding gratitude for what we do have is so important. Ok now I’m rambling.
It truly is fascinating that hardships in life can make us remember to enjoy life more and to take better care of this life 💗 I loved this video! Honestly I clicked on it thinking I would just watch the first few minutes but I loved hearing your priorities and how you reason around it. To me that was very helpful, thank you 🙏
I’m excited to hear all the insight you are going to offer and the break down of everything. Los Angeles cost of living is ridiculous and it would be nice to compare. Love your videos 🥰 Have a blessed Monday girlie 💗
Love your openness and vulnerability. This is a wonderful, healthy community that we have built here. I feel like an OG and so love all the changes we have gone through to get to this place. Thank you so much for the guidance and expectations you have given us. Watching your growth over the past year has been both rewarding as well as heartbreaking. Love ya lady!!!
I deeply appreciate your openness. This was super helpful. I make wayyyyy less than you and pay $125 a month for my yoga studio membership and it’s worth every penny when it helps my mental and physical health so much. So if anyone has anything to say about your gym membership cost, they probably just have different priorities.
Seeing this makes me so glad I live in a very small town in Kansas! Most cost of living items are affordable, food can be a little pricey since we only have 2 options in town and it's 60 miles to our closest town with Walmart/Sam's/Etc.
I appreciate the honesty. We're in a very financially difficult spot so those numbers did blow my mind a little bit, but we're all on different journeys.
Michel, your honesty is so inspiring and uplifting! Thank you so much for being opened about pretty much everything you talk about, I'm sure it helps so many people, myself included. Keep on smiling! :) xx
This was so nice to see! You actually were honest with your budget. I see RUclipsrs try to act like they spend no money when they do these type of videos. Appreciate you so much
The way you put those cans in the fridge….just changed my life!!!! Why have I never thought of this. 🤯😅 I’m new to your channel and am loving having a young adult Christian to follow and adore how genuine you are!
Ohhhh you poor dear, I feel your pain, had a nose staph infection but on the inside of my nose, was very painful, and I hope you feel better soon. And as for the cost of living in Austin, and of course not everyone can live as you do, but you've worked hard to be able to live as you do, there's no shame in that, and you enjoy it as much as you can.
I spend $130 a month for my barre membership. It’s something i dont like to tell my friends and family, but it is so worth it to me. My consistency and motivation are 1000x higher having a studio membership as opposed to me motivating myself to go to the gym and make up my own workout. I wont have this membership forever, but right now, im grateful for the membership and how healthy it has made me. I feel like it’s given me healthier habits which long term is so important
Hello Michel! Thank you for being so honest about how much you spend, I think it's really healthy to understand what an influencer's budjet can look like for those (maybe most importantly young people) who look up to you and aspire to be more like you. Even for me, a 25 year old woman working in healthcare for the last 3 years (in Sweden though) really benefitted from this! This is not a lifestyle that is obtainable for most people and I think it's so important to gain insight on the actual costs of leading a life like yours :) When I'm commenting anyways - I just wanted to say what many others already have, that I see such a beautiful development in the energy you're putting out! I truly enjoy every video you put out these days and I love your honesty and obvious kindness. You were (from what I can see in your videos) always a kind person, but it's clear that you now have found a balance that really shines through and you've been very brave sharing about your divorce and dealing with difficult emotions. It's very comfortable listening to you and following you now, I personally feel I can relate to you and enjoy your company much more than earlier :)
Thanks for sharing! I know a lot of us are always so curious about what it looks like to live in another place! Also - I don't think ANYONE should have to defend their spending. ESPECIALLY your health! $185 (for your gym) is what most people spend on ordering food or coffee runs a month. So you are investing in your health!
Austin utilities vary a LOT based on demand, so when it’s nicer here you’ll pay a lot less but when we (as a city) are putting more stress on the grid you can expect almost the utility equivalent of Uber serge pricing!
I have an Orangetheory membership and people roast me for it all the time. I just feel like your health is one of the best things you can invest in!❤️❤️
This is so helpful for me since I’m coming out of college soon and need to work on getting to a financially independent point in my life! Also I don’t think you should feel bad about receiving cosmetics and clothes from brands because honestly those items would be amazing to donate at a women’s shelter since you have the privilege to receive these items! You’re so awesome for sharing these more private matters! Love you ✨❤️
This was so informative. I'm considering a big move one day, all states/options on the table! Thanks so much for your willingness to be open and share your heart and finances. :)
Good for you working so hard that you can afford that monthly budget!!! You absolutely do not have to share this information with anyone, but I'm sure it's extremely helpful to so many, and it's very generous of you to share.
This video is so so helpful Michel!! Thank you so much for the specific numbers and talking through your thought process in your budget breakdown. This realness is so helpful to learn from and is so appreciated! We NEED more of this on RUclips!!!
In the midwest, a 10 year mortgage on a 20 year old, 5 bedroom, 3 1/2 bath, full and finished basement, open concept, 3/4 acre, cul de sac, 3 car garage, nice subdivision is less than 3000 a month.
I go to a local beauty school for facials and other services, saved a ton of money. The students are amazing at what they do and the instructors are always present.❤️
Thanks for candidly sharing your expenses. Would you ever consider sharing how much you have in your retirement accounts so far? No one ever talks about it, and it would be helpful to know if I’m on track compared to others in my age group.
It could be interesting to do a video where I dive into my savings/investments/retirement + also how I manage business expenses! Maybe part 2 and 3 to come soon? :-)
I love your generous, giving heart. It encouraged me. I think that one of the benefits of tithing is that it keeps us from having too firm of a grip on money.
Thank you for sharing Michel I am so proud that you are able to utilize a budget and this is so helpful for anyone living alone. BUDGETS are a necessity and everyone’s will very according to income. Have a blessed day, you are amazing for putting yourself out there on a very touchy subject.👏🏻👏🏻👏🏻❤️❤️❤️
Wow, that was very interesting, thank you for sharing. As a single woman in the UK, I don't earn or spend anything like you but it's all relevant I suppose!
I wasn’t thinking it but when you said rudolf jokes welcome then I had the song in my head … thanks! Lol 😂 you are doing great! I appreciate you sharing this for people younger & your age. It was a learning curve dealing with money when I got married at 18, then divorced at 27. I thought I was bad with money till I was single. I realised it was never me regardless of what my x husband swore blind it was me! Lol. Nothing like a nest egg to make you personally feel vindicated!! My wonderful husband I am married to now is very much the same with the money as I am. Save, save but buy what you need & by quality so you buy it once. I appreciate every month I know what to expect, it wasn’t like that before so I am grateful!
tim his video is so helpful! i like hearing different categories u save for, helps me get my $$$ organized 😅 but also to me the gym/yoga/cycle memberships (especially when u love it) is soooo worth it cause health is so important. good investment i think😁
thank you for making this video , i would love your thoughts on different neighborhoods in Austin that you would recommend for a single young woman looking to relocate, I am having a hard time figuring out places that are safe, well priced and walkable . Thanks for the content and i am happy you're enjoying Austin!
Thank you for sharing this. I’m also in the process of a divorce in TX and I’ve been curious as to what to expect when spending on living alone. Again it varies from person and wher you are but this was still helpful
Thank you for being so authentic. You could really help someone considering relocating. Absolutely no judgement. You get to decide your priorities with your money.
Do you have a video sharing what you do for work and all of your income streams? I would love to know more about your business (I can’t tell if you’re referring to RUclips or a totally different job), how long it took to build it/a little of that story, how it’s structured for taxes, what do you outsource in your business (you mentioned financial advisor, do you also have a bookkeeper and tax person?)
This has been so interesting to watch! Thank you for sharing Michel 🥰 I'm from the UK so really cool to see! I would love to invest my money but the cost of living is going up to much and some people are really struggling here! Choosing between food or heating when it's cold! So sad 🙈 So grateful for my job and what myself and my fiance earns and that we can live a fairly comfortable life at the moment! May it continue🙏 xx
Ok, woah. I am from europe and am shocked how expensive life in the US can be. Like i live in a similar sized bedroom, no car, no dog, living in a nice city as a single and go out often, going to the gym etc.. with using just 900€ in a month. The comparison makes me very grateful of how good i life with less money ✌️
Thank you for laying it all out there. You surely have helped many. The mention of investments, savings, giving, etc is important. Investments really build over time and retirement will be wonderful with preparation. Congrats on your successes. Nothing but praise for your bold honesty.
Thank you so much for making this video! I am really inspired by your financial literacy. What are some of the sources you learned from to develop an awareness of how to budget, invest, track finances, etc.? I'm always curious about where people learn, especially at a young age. Unrelated, but I'm also a single Christian woman living in ATX! I hope you're enjoying it here and I hope our paths cross some time!
Thanks for sharing! Very interesting! You shouldn't be roasted for sharing. I'm not paying your bills. Spend what you want, nobody's business. You sound very smart with your money!
You are very smart and level headed about finances at your young age! Your income sounds like a dream to me, I'm on social security now, and have to make $850 last all month. 😟
I really love this, thanks for being so open. No one should judge another for their money. You work hard and your money is honest and God has blessed you and I pray it continues and even multiplies - you deserve it!! ❤️🌺😀
Really interesting video, appreciate the bravery on sharing the specifics. I imagine most people watching around the world have a little less (me included!), but don't feel bad it's aspirational! 😀
out of curiosity, Do you have the option to rent somewhere less expensive or with your family so that way you can save more money? You'd be able to travel more often... maybe?
You are doing well......and living life how you should...you are young to be earning and enjoy....yes I do agree to say a little for years down the line..and above all I was always told your wealth is your health...no matter how much money you have...it cannot always buy the health...My daughter has lupus.. you look after yourself...and take care xx love listening and watching... stumbled across your videos just over a week ago Im enjoying very much x
You still look beautiful!! Loving the blonde! We are all at different walks of life and I get it. I only have 1 friend who makes as much money as me and who we can talk openly about money. My other friends make less and struggle (even in the same profession but in different states) and it is always really hard. I don't want them to feel bad. I moved to California for my job 7 years ago this fall and I have earned 45k in raises in 6 years. My friends have only gotten a few thousand dollars. I'm still way ahead, although I won't stay in SoCal forever ;) I also got rid of social media 4 years ago for mental health reasons but it also allows me to be able to pick and choose who I send my "flexes" too, lol.
Great video Michel! Money is so so hard. Thx for being brave. I struggle to stay on budget- recently a friend put together a spreadsheet to help me out. Thank you for including tithing. Very important!
This is fascinating, while there are a few things with different costs, much is the same for us here in Victoria, BC Canada which really surprises me! Thanks for sharing.
Wow, I live in Virginia; rent and restaurants are WAYYYYY cheaper in my area. But Wifi and utilities are bit more expensive. Renters' insurance, groceries, household items, coffee shop drinks are about the same. Cars and car insurance are so variable based on size, age of the driver, etc. This was a really interesting video!
when you said that you had to give half of your savings due to the divorce it was painful, I know when it comes to marriage it's always the case ( sometimes ) but it's not fair
I live in a nice area of San Diego County, and not gunna lie I thought your rent would have been cheaper! Those sound like CA prices, but I’m sure cheaper than LA.
Definitely cheaper than LA. I've never lived in LA but I visited and my uber driver told us that even good recognized actors/actresses can't afford more than a small apartment or studio in LA.
Probably a rude question...but I'm super curious if you would share how much you make in a good month and bad month since it fluctuates. I understand if that's TMI but just to compare to spending vs making.
I love your honesty in this video!!!💕 It has given me the lightbulb moment to look into a SEP IRA!!! How did you go about finding a financial planner you feel comfortable with?
I am desperately wanting to move to Austin but am very intimidated. I live in the panhandle right now. Hoping to go to college and get my teaching degree, I am over 50, just barely.... and love the idea of trees and water.
Austin is beautiful. I'd do extensive research and even join a couple of Austin Facebook groups. Take what you will all I know is that 1.) Traffic SUCKS in Austin especially between 3 and 7 pm. 2.) It's starting to look like downtown LA because of the homeless people in some areas. 3.) Austin still has its quirks such as the graffiti art and cute restaurants. My favorite shopping and walking location is SoCo street.
Be prepared to wait in long lines in traffic, at restaurants, and the grocery store. I wouldn't recommend driving anywhere between 7am-7pm. The vibe in Austin has changed dramatically in the past 10 years. People are not as friendly anymore and the crowd is very liberal (you will get a crazy yelling at you if you don't wear a mask outside- yes that actually happened to me). Times have changed, my friend. The vintage thrift shopping used to be INSANE back in the day...now even Goodwill is selling items for way more than they should because they know Austinites will snatch it up. Resources are tapped out or marked up because of the sheer volume of people moving to Austin.
That's a lot for just one person. I live in a large city in a nice area and families of 4-5 people don't even spend that much🤔. I have a friend that lives in Dallas and she pays $1400 for a one bedroom. Seems like your taxes would be a lot too in your situation unless you just have write offs for your business. Brave to discuss money, honesty is definitely a strength you have!
I lived in LA for six years and my grandma lives in Austin. I would say its mostly the same but gas is cheaper in Texas. I was there (Austin) over Memorial Day and it seemed like everyone was at the river having a good time. In LA it's much more pretentious. I don't think friends, family, and experiences are as valued. LA was so lonely despite the million of people around. I had a a lot of fun going to concerts by myself and eating fabulous food but once I wanted to settle down I knew LA wasn't the right place to be.
This I have often wanted to know. Not specifically your budget but what you spend and how you actually do all this as I see so many purchases and I know your only self employed. How did you get a staff infection on your nose??
I’m a Hispanic 22year old and a lot of people in my culture think it’s rude or weird to talk about money and I personally think it’s SOO helpful to talk about it ! How am I ever going to know how much to save to ever be on my own or save for important things like retirement or a house one day ?! thank you for talking about this it’s very very helpful !!
i don't think there's room for hate here. you're just living your life and being real and honest. can everyone live like this? no! and that's okay. you can't apologize for living within your personal means! this was such a fun and interesting video to watch and i loved hearing how you live and what the cost of living is in a different city!
Thank you Carley!! :-)
@@MichelJansehi my name is Mike Horton and I love your video very much
Absolutely loved that you filmed despite your infection! So many people probably wouldn’t have but this just reiterates how relatable, humble and confident you are. I’m going to be thinking of you when I challenge myself to be kinder to myself in my own skin.
Thanks for the great vid! I would love to visit Texas
ONE THOUSAND % agree!!!
I love the vulnerability of a video like this. I've lived in several, SEVERAL, places over the past decade- and it gives you a lot of perspective about the value of things in different places and in different stations of life. People can get really "stuck" thinking that there's one way to do things, but a big move or life change can show you what's valuable to you, as an individual. I think your philosophy on eating out rn is great, seeing as it's helping you mentally and physically.
This means a lot. It is mind blowing at how much expenses can differ from place to place!
You earn your money. You are blessed. It doesn’t matter what people think. This is granny. Stay safe sweet girl.
My favorite quote is, “I make my own money so I spend it how I like”
No one should judge other peoples spending :)
As so many have said already (I always love your comments section), thank you for being so open about your finances. It is very uncommon to hear someone use actual numbers and specifics when discussing money and it is so valuable to talk more about something this important. Be proud of yourself for what you've managed to create. I started watching you back in 2018 from your videos about living in a studio, didn't watch much youtube last year until around the time you talked about your divorce and don't think I've missed a video since. I don't live in the US and am not a Christian but you are now one of my favourites to watch. I love your kindness and find such value in your introspection and outlook on life (plus we have similar taste in clothes!)
Thank you for sharing this, and everything else x
Thank you for being so open regarding your expenses/budget (love the pie chart). As a 51-year old woman, I learn so much from you…thank you for that! I was not nearly as organized at your age. Also, I understand the draw of renting. Not everyone wants a home and its expenses/upkeep, and I’m saying this as someone who is a homeowner who no longer has a mortgage.
You are 🌟amazing🌟!
I truly appreciate how transparent you’ve been. You are one of my role models. Just the way you’ve been open about the struggle with your health (both physically and mentally) and life events. It’s refreshing to see a genuine, young, strong, Christian woman that’s stepping out of the norms in the influence world. Being vulnerable isn’t easy. So thank you for sharing your life, you’re reaching more people than you know sharing your story
Michel, I think you are actually spending money on “fun” stuff that could be considered business expenses because you very often vlog when you are out and about meeting up with friends, eating, drinking coffee, etc. And the fun stuff is also mental health expenses, too. You cannot afford mentally to sit home and mope. I think you are doing a great job of budgeting, saving, and having fun while literally taking care of yourself! By the way, your hair is gorgeous, girl. Sorry about the infection. Such is life when your immune system is compromised. So happy you are handling it beautifully and not freaking out about having to be on camera or trying to cover it up. You are such a great role model!
Your eating-out budget sounds about right. You seem to like cleaner foods at top-tier establishments, and good quality dining experiences cost (i resonate with you here). I'm passionate about food too, being autoimmune compromised, I eat the absolute best I can get my hands on. And coffee....girl, you're not alone. You work hard, treat yourself. It's a blessing that you're even able to afford to keep your lifestyle. Blessings.
I really appreciate you sharing about this because I make considerably less than this, it's just nice to know that I'm not doing something wrong. I feel like it's so fun to see you (and others) share products and shopping and eating out and it's great to get some perspective. It means I can still take little nuggets here and there but my lifestyle is completely different and there's nothing wrong with that. THANK YOU!
Michel you don’t have to explain why you have $400 fun money. You’re young, independent and auto sufficient. You can have $1000 dollars budge just for yourself, for fun and who judges you is a completely jealous person.
You are my goal in life!!!!!
Also, that category is super reasonable for a single young person with no children! No shame in that. If you have it and are meeting your goals in other areas, go for it.
I’m much older but so appreciate your willingness to share about your expenses.
I really love videos like this! I am absolutely terrible at money management (I don't go over my means but I also don't watch it like I should) so this is really helpful to see and a good reminder to set a budget and stay on top of spending. A lot of things have changed for me in the past year or so financially, and I think after seeing this video, I need to break down where all my money goes. Thank you so much for your honesty in this video! Love it!❤😊
I appreciate how honest and straight up you are about money! I find this really helpful and actually useful compared to other videos! ❤️
I’d love an update video like 5-years and 10-years from now! Thanks for being transparent.
The way you put canned drinks in the fridge like that is genius! Opening both sides then sliding them through. My tush has been taking them out one or two at a time for decades 🤦🏻♀️
Glad I’m not the only one! Haha
Me too!!!!
I'm a single 22 year old adult living in South Dakota. I also was married and have kids no pets right now. I pay $400 for a 2 bedroom apartment, 106.98 on my phone bill with unlimited data from Verizon, 80-85 on gas, 75 on car insurance, 25 every 2 weeks on groceries, 50 ish on electric. I don't have wifi and I flat out own my car. I only make about 1200 a month. I wont lie I very much struggle financially and my kids aren't able to live with me because I simply can't afford it. I live check to check. I think it's amazing how well your doing! Very good job and definitely keep it up!!
Your rent is so cheap. In Oregon one bedroom costs around 1200$.
You work hard for your living and there is no shame in it! Hate or negative people is just their jealous heart. You are beautiful and very blessed so live your life! 💕
I have to say, you’re the most honest open about budget girl I watch on RUclips. It was so insightful, I live in a DEF more budget area and we have discussed trying to get to Dallas, TX with my husbands job. I’ve often wondered how COL would be living there.
Ps you are so ridiculously cute even though you joke about your nose, it’s kind of unfair how adorable you are!!
This video just got me thinking about how we all see money and finances. I think it’s heathy to see how others live and how they budget. We all have different priorities, habits, and of course income. I think anyone criticizing is probably dealing with some insecurities in their own finances which can totally happen (I’ve definitely been in that place where it was hard to be happy for those who made more than me/lived “better” than I could because I was unhappy with my money habits/income). It’s just important to come back to earth and to not judge others for enjoying the fruit in their lives. We never know what’s going to happen and we never know how God is going to provide. Finding gratitude for what we do have is so important. Ok now I’m rambling.
It truly is fascinating that hardships in life can make us remember to enjoy life more and to take better care of this life 💗 I loved this video! Honestly I clicked on it thinking I would just watch the first few minutes but I loved hearing your priorities and how you reason around it. To me that was very helpful, thank you 🙏
I’m excited to hear all the insight you are going to offer and the break down of everything. Los Angeles cost of living is ridiculous and it would be nice to compare. Love your videos 🥰 Have a blessed Monday girlie 💗
Love your openness and vulnerability. This is a wonderful, healthy community that we have built here. I feel like an OG and so love all the changes we have gone through to get to this place. Thank you so much for the guidance and expectations you have given us. Watching your growth over the past year has been both rewarding as well as heartbreaking. Love ya lady!!!
I deeply appreciate your openness. This was super helpful. I make wayyyyy less than you and pay $125 a month for my yoga studio membership and it’s worth every penny when it helps my mental and physical health so much. So if anyone has anything to say about your gym membership cost, they probably just have different priorities.
Seeing this makes me so glad I live in a very small town in Kansas! Most cost of living items are affordable, food can be a little pricey since we only have 2 options in town and it's 60 miles to our closest town with Walmart/Sam's/Etc.
APR(annual percentage rate) is the cost of a loan, APY (annual percentage yield) is the earnings on a savings.
I love that you mentioned Dallas! It's crazy. I moved here in 2013 after college. My first post-grad apartment (2015) was
I appreciate the honesty. We're in a very financially difficult spot so those numbers did blow my mind a little bit, but we're all on different journeys.
Michel, your honesty is so inspiring and uplifting! Thank you so much for being opened about pretty much everything you talk about, I'm sure it helps so many people, myself included. Keep on smiling! :) xx
This means a lot, thank you Natalia!🤍
This was so nice to see! You actually were honest with your budget. I see RUclipsrs try to act like they spend no money when they do these type of videos. Appreciate you so much
The way you put those cans in the fridge….just changed my life!!!! Why have I never thought of this. 🤯😅 I’m new to your channel and am loving having a young adult Christian to follow and adore how genuine you are!
Ohhhh you poor dear, I feel your pain, had a nose staph infection but on the inside of my nose, was very painful, and I hope you feel better soon. And as for the cost of living in Austin, and of course not everyone can live as you do, but you've worked hard to be able to live as you do, there's no shame in that, and you enjoy it as much as you can.
I spend $130 a month for my barre membership. It’s something i dont like to tell my friends and family, but it is so worth it to me. My consistency and motivation are 1000x higher having a studio membership as opposed to me motivating myself to go to the gym and make up my own workout. I wont have this membership forever, but right now, im grateful for the membership and how healthy it has made me. I feel like it’s given me healthier habits which long term is so important
If you have the money then spend it where you choose and for what makes you feel good. You can’t take it with you.
As a 20-something living in an apartment this is so so helpful!! Thank you for being specific, so appreciated🥰
Hello Michel! Thank you for being so honest about how much you spend, I think it's really healthy to understand what an influencer's budjet can look like for those (maybe most importantly young people) who look up to you and aspire to be more like you. Even for me, a 25 year old woman working in healthcare for the last 3 years (in Sweden though) really benefitted from this! This is not a lifestyle that is obtainable for most people and I think it's so important to gain insight on the actual costs of leading a life like yours :)
When I'm commenting anyways - I just wanted to say what many others already have, that I see such a beautiful development in the energy you're putting out! I truly enjoy every video you put out these days and I love your honesty and obvious kindness. You were (from what I can see in your videos) always a kind person, but it's clear that you now have found a balance that really shines through and you've been very brave sharing about your divorce and dealing with difficult emotions. It's very comfortable listening to you and following you now, I personally feel I can relate to you and enjoy your company much more than earlier :)
Thanks for sharing! I know a lot of us are always so curious about what it looks like to live in another place! Also - I don't think ANYONE should have to defend their spending. ESPECIALLY your health! $185 (for your gym) is what most people spend on ordering food or coffee runs a month. So you are investing in your health!
*most people = people 30 and under
Thank you sweet friend!!
@@le4905 maybe you lol. All of my coworkers are 30 and over and eat out at breakfast and lunch almost daily.
@@Desert_Dreamin024 LOL okay, I'm sure most people spend $40+ a day on eating out.
Not Rudolph. I see Cindy Lou Who. Somehow, you made a staph infection look adorable. ☺️
wow that rent is way higher than I thought! makes NYC not seem so bad...
Austin utilities vary a LOT based on demand, so when it’s nicer here you’ll pay a lot less but when we (as a city) are putting more stress on the grid you can expect almost the utility equivalent of Uber serge pricing!
The instability of the Texas grid is wild too me!
I have an Orangetheory membership and people roast me for it all the time. I just feel like your health is one of the best things you can invest in!❤️❤️
Sweetie, you earn it, so spend as you please. Good for you!
This is so helpful for me since I’m coming out of college soon and need to work on getting to a financially independent point in my life! Also I don’t think you should feel bad about receiving cosmetics and clothes from brands because honestly those items would be amazing to donate at a women’s shelter since you have the privilege to receive these items! You’re so awesome for sharing these more private matters! Love you ✨❤️
This was so informative. I'm considering a big move one day, all states/options on the table! Thanks so much for your willingness to be open and share your heart and finances. :)
No judgment here love, I ( 34 single from San Diego) cant tell you how many times I want over my budget and keep pushing to do better next month.
Good for you working so hard that you can afford that monthly budget!!! You absolutely do not have to share this information with anyone, but I'm sure it's extremely helpful to so many, and it's very generous of you to share.
This video is so so helpful Michel!! Thank you so much for the specific numbers and talking through your thought process in your budget breakdown. This realness is so helpful to learn from and is so appreciated! We NEED more of this on RUclips!!!
Thank you for being supportive of it! I really appreciate it :-)
Just love your growth.... Keep Shining
In the midwest, a 10 year mortgage on a 20 year old, 5 bedroom, 3 1/2 bath, full and finished basement, open concept, 3/4 acre, cul de sac, 3 car garage, nice subdivision is less than 3000 a month.
I go to a local beauty school for facials and other services, saved a ton of money. The students are amazing at what they do and the instructors are always present.❤️
OOOH GREAT IDEA!!!!
Michel - you’re more beautiful with a staph infection than most women I know totally glamour makeup upped! Love seeing all your growth! ❤️
Thank you Rebecca! :-)
Thanks for candidly sharing your expenses.
Would you ever consider sharing how much you have in your retirement accounts so far? No one ever talks about it, and it would be helpful to know if I’m on track compared to others in my age group.
It could be interesting to do a video where I dive into my savings/investments/retirement + also how I manage business expenses! Maybe part 2 and 3 to come soon? :-)
I love how open and genuine all of your videos are ♥️
I love your generous, giving heart. It encouraged me. I think that one of the benefits of tithing is that it keeps us from having too firm of a grip on money.
the way you put your lacroix in your fridge just rocked my entire world
Thank you for sharing Michel I am so proud that you are able to utilize a budget and this is so helpful for anyone living alone. BUDGETS are a necessity and everyone’s will very according to income. Have a blessed day, you are amazing for putting yourself out there on a very touchy subject.👏🏻👏🏻👏🏻❤️❤️❤️
Wow, that was very interesting, thank you for sharing. As a single woman in the UK, I don't earn or spend anything like you but it's all relevant I suppose!
This was a great video. Thank you for sharing. We miss your Pasadena vlogs. I’ve lived here most of my life and you introduced me to so many new spots
I wasn’t thinking it but when you said rudolf jokes welcome then I had the song in my head … thanks! Lol 😂 you are doing great! I appreciate you sharing this for people younger & your age. It was a learning curve dealing with money when I got married at 18, then divorced at 27. I thought I was bad with money till I was single. I realised it was never me regardless of what my x husband swore blind it was me! Lol. Nothing like a nest egg to make you personally feel vindicated!! My wonderful husband I am married to now is very much the same with the money as I am. Save, save but buy what you need & by quality so you buy it once. I appreciate every month I know what to expect, it wasn’t like that before so I am grateful!
Thanks for being so open and honest Michel. Very interesting video! I like your spending priorities and can relate to most of them :)
tim his video is so helpful! i like hearing different categories u save for, helps me get my $$$ organized 😅 but also to me the gym/yoga/cycle memberships (especially when u love it) is soooo worth it cause health is so important. good investment i think😁
You make the money, so it’s totally up to you how you spend it. It’s no one else’s business! Great job!
Thank you for being so open. Openness and honesty are the way we can help one another in life.
thank you for making this video , i would love your thoughts on different neighborhoods in Austin that you would recommend for a single young woman looking to relocate, I am having a hard time figuring out places that are safe, well priced and walkable . Thanks for the content and i am happy you're enjoying Austin!
Thank you for sharing this. I’m also in the process of a divorce in TX and I’ve been curious as to what to expect when spending on living alone. Again it varies from person and wher you are but this was still helpful
Thank you for being so authentic. You could really help someone considering relocating. Absolutely no judgement. You get to decide your priorities with your money.
Do you have a video sharing what you do for work and all of your income streams? I would love to know more about your business (I can’t tell if you’re referring to RUclips or a totally different job), how long it took to build it/a little of that story, how it’s structured for taxes, what do you outsource in your business (you mentioned financial advisor, do you also have a bookkeeper and tax person?)
I’d love for you to do a follow up video to this such as a “what i spend in a week”
This has been so interesting to watch! Thank you for sharing Michel 🥰 I'm from the UK so really cool to see! I would love to invest my money but the cost of living is going up to much and some people are really struggling here! Choosing between food or heating when it's cold! So sad 🙈 So grateful for my job and what myself and my fiance earns and that we can live a fairly comfortable life at the moment! May it continue🙏 xx
Ok, woah. I am from europe and am shocked how expensive life in the US can be. Like i live in a similar sized bedroom, no car, no dog, living in a nice city as a single and go out often, going to the gym etc.. with using just 900€ in a month. The comparison makes me very grateful of how good i life with less money ✌️
Where did you find your financial advisor?? How much do they usually cost?
Thank you for laying it all out there. You surely have helped many. The mention of investments, savings, giving, etc is important. Investments really build over time and retirement will be wonderful with preparation. Congrats on your successes. Nothing but praise for your bold honesty.
Thank you so much for making this video! I am really inspired by your financial literacy. What are some of the sources you learned from to develop an awareness of how to budget, invest, track finances, etc.? I'm always curious about where people learn, especially at a young age. Unrelated, but I'm also a single Christian woman living in ATX! I hope you're enjoying it here and I hope our paths cross some time!
Really loved the breakdown!! Thanks for sharing girl 🥰❤️
Thanks for sharing! Very interesting! You shouldn't be roasted for sharing. I'm not paying your bills. Spend what you want, nobody's business. You sound very smart with your money!
I'm impressed by your budget!! You're very mature & responsible!! Way to go Michel 👍. Have a wonderful day 😊. Prayers & Wishes Lisa Hampton 😃
You are very smart and level headed about finances at your young age! Your income sounds like a dream to me, I'm on social security now, and have to make $850 last all month. 😟
I really love this, thanks for being so open. No one should judge another for their money. You work hard and your money is honest and God has blessed you and I pray it continues and even multiplies - you deserve it!! ❤️🌺😀
Thank you for being so open and honest about your personal finances- it is pretty tabu.
Loved this video! It was helpful to see how you broke up the categories and gave specific amounts
Really interesting video, appreciate the bravery on sharing the specifics. I imagine most people watching around the world have a little less (me included!), but don't feel bad it's aspirational! 😀
out of curiosity, Do you have the option to rent somewhere less expensive or with your family so that way you can save more money? You'd be able to travel more often... maybe?
You are doing well......and living life how you should...you are young to be earning and enjoy....yes I do agree to say a little for years down the line..and above all I was always told your wealth is your health...no matter how much money you have...it cannot always buy the health...My daughter has lupus.. you look after yourself...and take care xx love listening and watching... stumbled across your videos just over a week ago Im enjoying very much x
You still look beautiful!! Loving the blonde!
We are all at different walks of life and I get it. I only have 1 friend who makes as much money as me and who we can talk openly about money. My other friends make less and struggle (even in the same profession but in different states) and it is always really hard. I don't want them to feel bad. I moved to California for my job 7 years ago this fall and I have earned 45k in raises in 6 years. My friends have only gotten a few thousand dollars. I'm still way ahead, although I won't stay in SoCal forever ;)
I also got rid of social media 4 years ago for mental health reasons but it also allows me to be able to pick and choose who I send my "flexes" too, lol.
Great video Michel! Money is so so hard. Thx for being brave. I struggle to stay on budget- recently a friend put together a spreadsheet to help me out. Thank you for including tithing. Very important!
This is fascinating, while there are a few things with different costs, much is the same for us here in Victoria, BC Canada which really surprises me! Thanks for sharing.
Wow, I live in Virginia; rent and restaurants are WAYYYYY cheaper in my area. But Wifi and utilities are bit more expensive. Renters' insurance, groceries, household items, coffee shop drinks are about the same. Cars and car insurance are so variable based on size, age of the driver, etc. This was a really interesting video!
I live in Austin and your rent covers ALL my monthly expenses so yeah, rates vary even within a city.
when you said that you had to give half of your savings due to the divorce it was painful, I know when it comes to marriage it's always the case ( sometimes ) but it's not fair
I think California makes you split all assets while Texas is different. Someone please correct me if I'm wrong. I haven't finished the video.
@@le4905 this is correct! CA makes you split all property earned during the course of the marriage
I don’t think spending that much on a gym membership is unreasonable as long as you use it. Health and fitness are very important.
I live in a nice area of San Diego County, and not gunna lie I thought your rent would have been cheaper! Those sound like CA prices, but I’m sure cheaper than LA.
Definitely cheaper than LA. I've never lived in LA but I visited and my uber driver told us that even good recognized actors/actresses can't afford more than a small apartment or studio in LA.
But definitely expensive for Texans 🤣 if that makes sense.
Probably a rude question...but I'm super curious if you would share how much you make in a good month and bad month since it fluctuates. I understand if that's TMI but just to compare to spending vs making.
I love your honesty in this video!!!💕
It has given me the lightbulb moment to look into a SEP IRA!!!
How did you go about finding a financial planner you feel comfortable with?
I am desperately wanting to move to Austin but am very intimidated. I live in the panhandle right now. Hoping to go to college and get my teaching degree, I am over 50, just barely.... and love the idea of trees and water.
Austin is beautiful. I'd do extensive research and even join a couple of Austin Facebook groups. Take what you will all I know is that
1.) Traffic SUCKS in Austin especially between 3 and 7 pm.
2.) It's starting to look like downtown LA because of the homeless people in some areas.
3.) Austin still has its quirks such as the graffiti art and cute restaurants.
My favorite shopping and walking location is SoCo street.
Be prepared to wait in long lines in traffic, at restaurants, and the grocery store. I wouldn't recommend driving anywhere between 7am-7pm. The vibe in Austin has changed dramatically in the past 10 years. People are not as friendly anymore and the crowd is very liberal (you will get a crazy yelling at you if you don't wear a mask outside- yes that actually happened to me). Times have changed, my friend. The vintage thrift shopping used to be INSANE back in the day...now even Goodwill is selling items for way more than they should because they know Austinites will snatch it up. Resources are tapped out or marked up because of the sheer volume of people moving to Austin.
Thanks for being so transparent, Michel!!
That's a lot for just one person. I live in a large city in a nice area and families of 4-5 people don't even spend that much🤔. I have a friend that lives in Dallas and she pays $1400 for a one bedroom. Seems like your taxes would be a lot too in your situation unless you just have write offs for your business. Brave to discuss money, honesty is definitely a strength you have!
I lived in LA for six years and my grandma lives in Austin. I would say its mostly the same but gas is cheaper in Texas. I was there (Austin) over Memorial Day and it seemed like everyone was at the river having a good time. In LA it's much more pretentious. I don't think friends, family, and experiences are as valued. LA was so lonely despite the million of people around. I had a a lot of fun going to concerts by myself and eating fabulous food but once I wanted to settle down I knew LA wasn't the right place to be.
This I have often wanted to know. Not specifically your budget but what you spend and how you actually do all this as I see so many purchases and I know your only self employed.
How did you get a staff infection on your nose??