@kev ow Living in PA is cheap. a decent house in a good neighborhood is about 300-400k, and we have very low income taxes. prices for food etc are also very good. 70000 might be the min in California, but in PA that's enough for a solid middle-class life.
@@johnlee2238 He doesn't realize the bulk of the smartest people in the world live outside the US and allowing them in and making them citizens the US preserves its technological edge
The part where he said that he read each textbook at least twice b/c he want to remember everything he can to help future patients. :` ) God bless healthcare workers with such a passion for helping others that they put their heads down and work for years upon years.
Absolutely LOVE, LOVE, LOVE this episode. As a fellow healthcare professional and child of immigrants, their stories deeply resonated with me in terms of self-reliance, student loans with graduate school, residency and basically a lot of delayed gratification. Thank you for continuing to highlight stories of people with diverse backgrounds.
what does immigrants got to with it? Im a migrant, mentioning it all the time wont make us humans become one! this is just annoying. there always going be a divide as long us we keep using the word, "i'm a migrant" move on we all are migrants at some stage and history! use the word lucky its better, thats what i consider myself, not a migrant. they didn't even mention it in the video.
@@ashleyandandrewmd This was a great piece. My wife and I are nurses local to you and Andrew. Let us know if we can help you in anyway. Connect on LinkedIn as well. The medical world is a small place and we are bound to know someone in different health systems as well as the Philippines.
@@innervisions2528 It has to do with it because generally speaking children of immigrants do not grow up with privileged backgrounds. They often have to work hard while balancing their parent's culture with American culture. It's a major struggle and pretending like it's not a factor is silly. Also, for people of Asian descent, you have to work extra hard against racist policies like affirmative action.
@@calvinfan6330 what kind of speciality or field are they in?? I might consider medicine after a figure like that! are they anesthesiology? cardiology? maybe nuero? I mean no matter how much debt you're in, with a slaary like that during RESIDENCY might I add, imagine how much would they make when they are attending. Easy milion just like that.
Only a cheaper would have this type of mindset!! Food tastes better when you buy the dinner for people you love , friends, family, etc and have the satisfaction that you have paid for IT!! That you are enjoying the fruits of your work!! What does if matter if you earn 100.000 or 30.000 or 1.000.000 if you don't live to the fullest getting experiences , travel be generous to OTHERS in need??? We are all going to be eaten by maggots!! They are very cheap!! The majority of them!!!
I feel like the “living together” part is misleading... they live in the same building as each other but in separate units with each their own roommates.
I also think it’s a cover up. They are definitely living together and getting it in. With their different cultures they are probably not allowed to until they get married. So, for tv purpose we’d just say we live in the same building but separate apartments with roommates to throw our parents off. 🤣🤣🤣
I absolutely love her smile and the way she looks at him. They’re a great couple and I can only imagine what their combined salaries will be as an attending. They better do a follow up episode when the time comes.
He graduated from the Philippines. We have this mentality that if you or your parents can’t afford school, not going is normal. Student Loan is a foreign thing for us. It‘s either someone spends it for you or you work jobs to get that degree. Most of the time, its our parents who spend everything for us until we finish college.
@Gulaid M you go to medical school to get a general medical degree. Afterwards you start on your specialty (surgery, immunology, psychiatry etc.). A full medical education is usually 8-15 years long.
@Gulaid M, he is not in Med school. He is in residency. That is training after graduating from medical school. After graduating from any accredited medical school in the world and clearing an exam (the same as US medical school grads), you do a residency to specialise.
I think this is my favourite episode of Make it so far. It just felt so real and honest. I wish Ashley and Andrew the best of luck; I have so much respect for these key workers!
Regarding their wedding, for those who don't know, it's extremely important in Indian culture. Typical Indian weddings are multi-day event with hundreds if not thousands of guests. So it's understandable when they need to have two, and plan to spend about 50K. That's a lot of money but I don't think it's a huge deal for them because they will make many times that a year when they're done with residency in a few years.
tarzan12345 yes I agree. As an Indian wedding Dj, couples easily spend $50,000 to $100,000 for a wedding. Weddings are typically two days. Some are three days. But the wedding day is the main event. Indians like to play good host. We make sure to feed everyone and take care of them, as they have traveled to attend our wedding.
In some sections of Indian society, yes, and it is far from the norm. You're just more used to seeing the affluent Indian peoples' lifestyle, often exaggerated in the media.
They’ll be millionaires soon enough with their salaries combined after residency. If they keep their costs low it’s all up hill. Savings of 2700 total a month is amazing.
@@felixbjrnson8558 Umm, there are many people in the Medical community finding cures. Look at Botox and Deep Brain Surgery for those with Parkinsons and Dystonia. Look at the medication that has come out in the last 20 years for those with Multiple Sclerosis. People who were bedridden and unable to walk only have to pop a pill to live a normal and productive life. Count your blessings.
@@ashleyandandrewmd it is a honor that you would respond to my post. My sister is a board-certified physician specializing in gastroentrology and hepatpology. She went to medical school at Mayo and did her residency at Mass General. She did her fellowship on the liver (hepatology) at University of Pennsylvania. I loved your cross at the beginning. I am a high school teacher and always wear a cross. I wish you and your fiancee nothing but the best.
@@mrsr4640 Wow you and your sister both have very important jobs! Thank you so much for your kind comment! We wish you and your family all the best too!!
True, but they edit these videos so we don't know the questions. They may have asked "are Andrew's parents helping with the wedding?" and she was just answering what they asked.
Hi! Andrew here. No shade to my mom was given nor received! Both of us rewatched that part, and our families as well, and nobody feels any kind of offense in the slightest. You can even see that I am nodding, agreeing with Ashley's answer. I would have said the same exact thing. She is simply answering the question of the breakdown of our wedding budget. We found her answer and tone completely respectful! This video is about financial transparency, and I think Ashley did a great job of answering the question! - Andrew
I was like 117k as a couple, very realistic salary to learn something from. Then realized that once they finish their residency it’s going to be 500k+. Very unattainable for me and my gfs career field haha
Doesn’t cost that much to feed an extra person when it’s 2 ... if you buy a big steak you can cut it in half and still had a decent size steak ...add potato salad or a side salad and you have a meal
@@andresamartins26 she probably had four jobs throughout med school at different points. I doubt she simultaneously held all four all four years of med school...
*Much needed medical field couple during the pandemic!* 💃 To be honest her *student loans* aren't that *bad* given she'll make more money in the next 6 - 7 years and she's sharing expenses, so I'm excited if you guys ever do a follow-up, I think they're smart and do awesome!!💖✌
Depends, if he’s in internal medicine he’ll make around 180k, and her probably 250k but if they want kids (which medical training puts off) she might have to work drastic less for a couple years, but eventually they should be able to catch up.
This guy’s humility is bubbling over. I have quite a few Filipino friends and I will tell you, they’re some of the most humble and helpful people I know.
@@seanlukecorroon lmao, yeah compared to most it's pretty minor. All said and done they will shortly be pulling nearly a million combined income if not more.
@@seanlukecorroon I hear ya, It's not something I would do either. However They probably wont want to be retired by then, the medical profession while well compensated is generally in pursuit of helping people and all, but who knows all we got is a few minute glimpse into their life haha
Philly in the house thank you for your services during this pandemic. You both are going to be a super big success in the future. Financial planning is everything, I finally got back into it and I can finally see light at the end of the tunnel.
They seem like such a nice couple. And as a resident myself I have huge respect for them to be able to live together because I would imagine it as terribly stressful to have a partner in medicine
Thank you for your choice of careers and your service. I owe my life to first responders (cardiac patient). Hi, my name is David, I'm 60 and a machinist working 50 hours a week. I made less than 38k last year.
There is something wrong if you have to donate blood and being a test dummy for MRI tests in order to get through medical school. Like really really wrong.
It’s not the doctors who teach at medical schools who need lower salaries it’s the administrative staff, there’s a lot of employees that go into a medical school.
What a lovely couple! This is what the American dream is about and you never what or who comes out of America. They're going to have some lovely children!
Philly is an awesome city. So much to do. And it’s pretty cheap. I lived for $10k a year for a bit. It was fine, tons of free stuff to do. And with 110k a year. There’s no limitations.
guys, let it sink in how under appreciated resident physicians are. We often work 80-100 hour weeks, get compensated less than minimal wage (~8 dollars an hour last i calculated) for 3-8 years on top of loans, all during the golden years age 25-35. This couple lives a frugal lifestyle, and a wedding of 50k is their entire saving. Let that sink in.
It’s not as magical as you think.. internists start out 160- 240k depending on community health, teaching/government positions vs private. For those fortunate enough to open their own practices, almost zero income first 2-3 years (one must build up the patients’ roster, collections of insurance pay can lag up to 18 months, staff’s pay, rent, equipments). If student loans are involved, currently, for 200k at 6% interest, about $1400 per month and not tax deductible. Malpractice with tail coverage can be up to 18k per year. Disability insurance about 1.2- 2k per month depending on age. In the end, if one works for a group, monthly take home after 401k, health insurance deductible, etc about 10k. After all the other post tax obligations such as childcare/student loans/mortgage on a modest home/car payment for a Toyota/bills and gas, one would have enough left for a nice dinner once - twice per month or save up for one modest vacation per year. Don’t do primary care if money is the driver for your passion in doing medicine
This was a great episode and very realistic. The only thing that made me pause was her $91 food budget, but then he said he spends $270 on both them - that makes sense. I would love to see a follow up on them. Thank you for your service!
Good for them. I wish when I was 27 I had a partner who was as passionate at having a good life as me. I’m 35 now and living my dreams finally but it took a long time, heartbreak and divorce before I could get here. I wish them the best 👍🏽
Ashley it was so nice to hear how hard you worked to be independent during school and you and Andrew are a wonderful grounded couple - all the best for your future :)
I’m surprised their salaries are so low for the important work they’re doing. At least they have high earning potential. Glad he feels better after covid
It's fine it is only for residency once they start attending they will more than double their income and will only grow over time. You don't have to feel bad.
Residents are essentially govt employed, their salaries comes from the govt and they control how many residency programs there are and how much they get paid.
I made 1800$ last year after my third year out of college with a degree in Information Systems Technology and don't feel like comparing myself to others. It just makes me mad at society. I work for hours daily refining my programming skills and applying.
Sometimes people in the comments confuse me. There are people saying they are getting paid trash- they each make 58k a year with earning potential over 200k MINIMUM in a few years. I make 45k as a non profit therapist and would LOVE to make 58k. Do people not in helping professions realize how little we make especially at the beginning?
I really enjoyed this episode but I feel bad that they make what they make, and I'm a nurse that lives not far from them and make a lot more than 60K per year :/ Bless them for helping others ❤❤❤❤
@@duplicateparadox7268 I'm an RN. I do pick up some OT where I work and Covid hazard pay helped a little bit in April-May, but the extra money I've made is helping me save for a down payment on a house 😊
Yea their residency stage seems so long and at a fixed/stagnant rate, I too work in philly for SEPTA as a train mechanic and make $72k on a base pay as per my hourly rate plus we can work OT. With only 8 extra hours of Ot a week throughout the year, which isn’t much by any means. Total income is slightly shy of $95k and there’s guys who work a little more than just 8 hours of OT a week lol
Great episode and so relatable and timely. Being a Respiratory Therapist and being on the frontline of this COVID...the anxiety is so real. I'm glad he recovered from the COVID. Great job to this couple.
Me and my husband come from immigrant parents he’s a dentist and I’m a teacher, we are still living on a budget due to student loans. I love these stories 💜they are a wonderful couple
Alot of people are commenting on salary and ignoring the fact that they have student loans that are exorbitant and have all over life goals and needs that have to be met.
I don't get this. Seems out of touch. We do know that the minimum wage in Philadelphia is still $7.50 an hour right? Happy for their success but for an organization like CNBC. I would expect them to be aware of the average household income for Philadelphians. 118K is a lot when couples here make around 55K and are doing ok for themselves. Don't let this fool you. It's a hard city to live well in.
As an immigrant myself this touches me. Proof that everything is possible in America, no matter who you are or where you came from. All it takes is hard work, discipline, being a little frugal. They will do amazing once they finish residency.
Honestly, I feel like they continue to make these videos just so Graham can react to them 😂 I mean, his reaction videos to Millennial Money get more views on his channel than CNBC lol
Someone recommended this episode to us because we live right over the bridge in south Jersey and have a podcast for young adults. This was a great episode! I love seeing couples be resourceful and living within their means. They still had goals and didn’t let debt hold them back from living their lives.
It’s so refreshing seeming children of immigrants in the medical field! I am, soon to be a neurosurgeon, and I am too a daughter of immigrant parents. (:
Love this episode!! Can you guys do more episodes with healthcare professionals like physician assistants, nurses, and nurse practitioners? Please and thank you!
What inspires me about these episodes is not the amount of money people make, but their passion to create a better society. That's the kind of people we need, not just people with lots of money.
this is seriously so fkn sad for these two amazing frontlines employees to only me making that much a year?! i know ppl who are in tech management making 150k and look how much it cost to have medical insurance + a cost to get hospitalized and they are getting paid under 100k HEARTBREAKING they deserve so much more!
Ay! Shout-out to respiratory therapist! Can't believe she mentioned us , we seriously don't get enough recognition working in the frontline. So thank you sister!
I was shocked when she said that. She could have just said that my parents are helping with the wedding. That’s all. Why call out Andrew’s mom?! Disappointed!
This is so relatable to me being a radiology consultant in India and my husband being a physician working with covid patients as I write this comment. So happy to know them and their turmoil of being a front line worker..great video in entire millennial series...youtube is a side hustle that I started during my post pregnancy break..I wish all doctors get paid well as they put their heart and soul out their to help someone else at odd hours of their life sacrificing their own health,family time and relaxation during this pandemic
What’s your budget breakdown? Share your story with us for a chance to be featured in a future installment. cnb.cx/32TYZ2K
Do nurses in California that make 300k ..
@kev ow PA is dirt cheap!
I submitted; it worked!
Pick me!!!
Pick me!!!
Pick me!!!
Lol🤣
@kev ow 😑
@kev ow Living in PA is cheap. a decent house in a good neighborhood is about 300-400k, and we have very low income taxes. prices for food etc are also very good. 70000 might be the min in California, but in PA that's enough for a solid middle-class life.
Yall should know that this guy ranked #1 in the philippine physician board exam when he took it.
Yes he did! Andrew is so sweet and humble despite being a genius!
- Ashley
Wow 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽
Not sure thats hard. LOL!
Nette Hicks If I were you, I’d prefer to stay silent on things I know nothing about.
Nette Hicks Imagine having to talk crap about other people’s goals because you haven’t achieved anything 👁👄👁
New episode definitely needed when they finish their residencies.
not interested in how they are budgeting or spending excess amounts of money
@@bigpoppa4094 vacations and mansions
Yeah it would be a lot better compared to other vids on rich millenials on here.
@@ntl9974 more like paying off debt and saving for retirement
You're right
Yasss immigrants (and children of immigrants) making America a better place. So grateful for these two and their contributions during this crisis.
"Immigrants, we get the job done."
@@MichaelWidjaja Hamilton?
And Trump trying to kick them out.
The Native Americans should revoke his visa.
@@theraginginfernape9496 Yes :)
@@johnlee2238 He doesn't realize the bulk of the smartest people in the world live outside the US and allowing them in and making them citizens the US preserves its technological edge
The part where he said that he read each textbook at least twice b/c he want to remember everything he can to help future patients. :` ) God bless healthcare workers with such a passion for helping others that they put their heads down and work for years upon years.
The guy went to the same medical school I attended. He ranked 1st in August 2015 Physician Licensure Exam. He is so intelligent, yet so humble.
Campylobacter Jejuni Thanks for sharing that-that’s amazing. What a great guy!
@@campylobacterjejuni5765 Wow! His patients are very lucky to be under his care.
Thank you Danae!
Love ain't forever like roses they come to pass. Forget marriage folks its all a trap & illusion.
y’all are talking about a 50k wedding, but i’m just trying to figure out how she only spends $91 on groceries in a month
They Both live seperate and have roommates
And if you watched the video, they mention how he buys all the groceries
Nope
physicians can often eat for free in physicians lounges at hospitals, so she may be eating a lot of her meals at work
Many hospitals give free food to their doctors.
It's refreshing to see Make It included people with a visa living in the U.S. Thanks for being inclusive and considerate towards your content.
they wouldnt be here if Stephen Miller had his way
Public service student loan forgiveness? Aaaahhh yes, yet another feminist quasi-welfare program for irresponsible females.
And $500 a year to renew that visa. Crazy!!! And I wonder how much he has to pay to renew medical/professional lisences on top of that?
cringe
@@teambennett-wells962 if they have green cards they can just become citizens
This is the cutest couple of Millennial Money. Very hard working!
omg thank you so much @shukri!
@@ashleyandandrewmd I wish you guys the best!
@@ashleyandandrewmd y'alls kids gonna be geniuses 😂
I was thinking the same.
Absolutely! I love everything about them. ❤ I can't wait for @grahamstephan to react!
Let's follow up with this couple after 5-7 years. "Living together on $1.6M a year in Philadelphia" lol
Lol yea that's what they hope..
They’re both doctors probably 600k In a few years
And paying 750k in taxes
When she had her loans forgiven 🙄
Idk about 1.6M lol but they'll be pretty darn wealthy in a few years
Just wait 5 years and it will be living together on $ 1 million per year. You two are crushing it, way to go!
Hey Todd!! Loved your video and your hustle too!
Lol yeah right. Most doctors don't make nearly that much.
5 years? i think u need to go up a few more numbers
No way will they have a combined income of 1million with him being internal medicine, sorry not going to happen.
I'd say it's closer to $250,000, which is still fantastic.
Absolutely LOVE, LOVE, LOVE this episode. As a fellow healthcare professional and child of immigrants, their stories deeply resonated with me in terms of self-reliance, student loans with graduate school, residency and basically a lot of delayed gratification. Thank you for continuing to highlight stories of people with diverse backgrounds.
Hi Vivian!! Glad you enjoyed it!!
what does immigrants got to with it? Im a migrant, mentioning it all the time wont make us humans become one! this is just annoying. there always going be a divide as long us we keep using the word, "i'm a migrant" move on we all are migrants at some stage and history!
use the word lucky its better, thats what i consider myself, not a migrant. they didn't even mention it in the video.
@@ashleyandandrewmd
This was a great piece. My wife and I are nurses local to you and Andrew. Let us know if we can help you in anyway. Connect on LinkedIn as well. The medical world is a small place and we are bound to know someone in different health systems as well as the Philippines.
Yes vivian we need more yellow and brown mixing couples...
@@innervisions2528 It has to do with it because generally speaking children of immigrants do not grow up with privileged backgrounds. They often have to work hard while balancing their parent's culture with American culture. It's a major struggle and pretending like it's not a factor is silly. Also, for people of Asian descent, you have to work extra hard against racist policies like affirmative action.
when they finish residency, their combined household income will be above $500k easily.
Hopefully. I know doctors in residency making 250k couldnt believe they only make 60k. They seem like good down to earth people.
@@calvinfan6330 what kind of speciality or field are they in?? I might consider medicine after a figure like that! are they anesthesiology? cardiology? maybe nuero? I mean no matter how much debt you're in, with a slaary like that during RESIDENCY might I add, imagine how much would they make when they are attending. Easy milion just like that.
calvin Fan there is no resident anywhere in this country making that much money on their resident’s. Fellows don’t even make that.
breea07 You are absolutely correct!
@@calvinfan6330 lol what? no residents make 250k. someone is lying to you. Residency programs are funded by medicare.
“Food tastes better when it’s free” totally agree lol.
Thats my motto 2!!!!!!!
Only a cheaper would have this type of mindset!! Food tastes better when you buy the dinner for people you love , friends, family, etc and have the satisfaction that you have paid for IT!! That you are enjoying the fruits of your work!! What does if matter if you earn 100.000 or 30.000 or 1.000.000 if you don't live to the fullest getting experiences , travel be generous to OTHERS in need??? We are all going to be eaten by maggots!! They are very cheap!! The majority of them!!!
No. 48 Laws of Power says "despise the Free Lunch" its a trap. Fish on a Hook.
I feel like the “living together” part is misleading... they live in the same building as each other but in separate units with each their own roommates.
correct
@@tessychorath2750 Hi Amma!
I assumed that was just a cover for their family. ;)
I also think it’s a cover up. They are definitely living together and getting it in. With their different cultures they are probably not allowed to until they get married. So, for tv purpose we’d just say we live in the same building but separate apartments with roommates to throw our parents off. 🤣🤣🤣
@@MsReddwine They are not! Don't make assumptions please,
I absolutely love her smile and the way she looks at him. They’re a great couple and I can only imagine what their combined salaries will be as an attending. They better do a follow up episode when the time comes.
Thank you so much!!
He’s so lucky to have zero debt going into his career.
He graduated from the Philippines. We have this mentality that if you or your parents can’t afford school, not going is normal. Student Loan is a foreign thing for us. It‘s either someone spends it for you or you work jobs to get that degree. Most of the time, its our parents who spend everything for us until we finish college.
@Gulaid M you go to medical school to get a general medical degree. Afterwards you start on your specialty (surgery, immunology, psychiatry etc.). A full medical education is usually 8-15 years long.
@Gulaid M, he is not in Med school. He is in residency. That is training after graduating from medical school. After graduating from any accredited medical school in the world and clearing an exam (the same as US medical school grads), you do a residency to specialise.
Well that's because he got a full scholarship for his medical training, I wouldn't necessarily call that "lucky".
Someone here said he graduated #1 in his medical school or #1 in the Philippines so I would say more than well deserved.
I think this is my favourite episode of Make it so far. It just felt so real and honest. I wish Ashley and Andrew the best of luck; I have so much respect for these key workers!
Hi!! Thank you so much for this nice comment!
Ashley and Andrew, MD you’re welcome!
Regarding their wedding, for those who don't know, it's extremely important in Indian culture. Typical Indian weddings are multi-day event with hundreds if not thousands of guests. So it's understandable when they need to have two, and plan to spend about 50K. That's a lot of money but I don't think it's a huge deal for them because they will make many times that a year when they're done with residency in a few years.
@Will Jacobs It's a cultural thing. It might not be for you but there is no need to call it dumb.
@Will Jacobs what is dumb is how much white ppl spend on funerals
Ayo Made It is from a financial perspective. Regardless of culture.
tarzan12345 yes I agree. As an Indian wedding Dj, couples easily spend $50,000 to $100,000 for a wedding. Weddings are typically two days. Some are three days. But the wedding day is the main event. Indians like to play good host. We make sure to feed everyone and take care of them, as they have traveled to attend our wedding.
In some sections of Indian society, yes, and it is far from the norm. You're just more used to seeing the affluent Indian peoples' lifestyle, often exaggerated in the media.
They’ll be millionaires soon enough with their salaries combined after residency. If they keep their costs low it’s all up hill. Savings of 2700 total a month is amazing.
They deserve the pay. Putting their lives on the line to help others. Can't think of a more distinguished profession.
I agree. I respect doctors so much. It's so much hard work and innovation.
you surely mean making people more sick? Doctors dont earn $$$ on healthy people, especially in the US
@@felixbjrnson8558 Nobody makes money on healthy people, stupid. Are you trying to say they intentionally make people sick?
@@felixbjrnson8558 You surely are a dense one.
@@felixbjrnson8558 Umm, there are many people in the Medical community finding cures. Look at Botox and Deep Brain Surgery for those with Parkinsons and Dystonia. Look at the medication that has come out in the last 20 years for those with Multiple Sclerosis. People who were bedridden and unable to walk only have to pop a pill to live a normal and productive life. Count your blessings.
In a few years this couple is gonna be worth multiple millions!
& they can start paying off their debts
whatsmyageagain unfortunately most physicians dont pay off their student debt until their 40-50s.
You can tell the way she is looking at him, she is so in love with him.❤💓💕
Yes I am!!! I love Andrew with all my heart!
@@ashleyandandrewmd it is a honor that you would respond to my post. My sister is a board-certified physician specializing in gastroentrology and hepatpology. She went to medical school at Mayo and did her residency at Mass General. She did her fellowship on the liver (hepatology) at University of Pennsylvania.
I loved your cross at the beginning. I am a high school teacher and always wear a cross.
I wish you and your fiancee nothing but the best.
@@mrsr4640 Wow you and your sister both have very important jobs! Thank you so much for your kind comment! We wish you and your family all the best too!!
Wonderful couple. I am for loan forgiveness for doctors, true heroes along with Nurses and others in the Allied workforce
@@mrsr4640 aww youre so kind
Yass, Andrew! Fellow Filipino RN here; I'm glad you are looking into ONCOLOGY/Hematology we need more good Doctor's in that field.
Thank you!!! yes!
Are physicians in hem/onc scarce?
Can I ask a question? How's the money for filipino doctors?
@@hiro6406 basically underpaid…like residency here got paid $240- 600 a month. But it will gradually increase but not to this level.
she really put my mans on blast lol “Andrew’s mom didn’t contribute to the wedding, also his father is dead (:” like wtf lmfao
too much info 😂
True, but they edit these videos so we don't know the questions. They may have asked "are Andrew's parents helping with the wedding?" and she was just answering what they asked.
female nature
Hi! Andrew here. No shade to my mom was given nor received! Both of us rewatched that part, and our families as well, and nobody feels any kind of offense in the slightest. You can even see that I am nodding, agreeing with Ashley's answer. I would have said the same exact thing. She is simply answering the question of the breakdown of our wedding budget. We found her answer and tone completely respectful! This video is about financial transparency, and I think Ashley did a great job of answering the question!
- Andrew
Very disappointed that she said something like that. She could have easily refused to answer the question.
They’re such a likable couple. The both seem very down to earth and kind people! Good luck!!! ❤️
Thank you so much Yen!!!
I was like 117k as a couple, very realistic salary to learn something from. Then realized that once they finish their residency it’s going to be 500k+. Very unattainable for me and my gfs career field haha
I'm on coffee meets bagel where is my mans at lol
LOL
I just subscribed to Ashley and Andrew channel
He is on bumble
Lol, tell me about it haha
I'm here, boo.
$270 a month on food for 2 people?! i eat $400 alone....
Right! And I rarely eat fast food. Where’s my money sense?! 😭
Doesn’t cost that much to feed an extra person when it’s 2 ... if you buy a big steak you can cut it in half and still had a decent size steak ...add potato salad or a side salad and you have a meal
I think it's because they budget well.
Yeah I'm always skeptical of peoples low grocery amounts lol
It's philadelphia 🤑🤑
I love their humble beginnings. Andrews brother helping him through med school. Ashley working various jobs in med school. Very inspiring
Thank you so much!
I'm glad he recovered from Corona.
4 jobs while using loans?? there's NO REASON ANYONE has a reason to complain about not having the same opportunities.
Did you believe that? 😂
Wow that's uncalled for, now I have to riot and loot.
That’s not the norm for a medical student though...
@@andresamartins26 she probably had four jobs throughout med school at different points. I doubt she simultaneously held all four all four years of med school...
Man, these two are going to be just fine - they're already killing it in terms of planning, saving and low-cost living
He reminds me of my mom….. why does this guy make me think about my mother?!?!
*Much needed medical field couple during the pandemic!* 💃
To be honest her *student loans* aren't that *bad* given she'll make more money in the next 6 - 7 years and she's sharing expenses, so I'm excited if you guys ever do a follow-up, I think they're smart and do awesome!!💖✌
Wait for it, MILLENNIAL MONEY!!
Read this in Graham’s voice 😂
I can't wait until Graham reacts on this. I sent him a dm already.
This is one of the most realistic/honest one's I've seen, I've seen some on another channel and the math just doesn't add up (to me atleast)
Thank you Angel!!!
11q
bruh when they are done with their residencies they're gonna be making well over $300k
Maybe not the internal medicine dude. Some only make 200k. The Radiologist will make 300k+ though.
Taylor B she’s switching to psychiatry
Taylor B And he shouldn’t make a lie he’s going to be in oncology
Depends, if he’s in internal medicine he’ll make around 180k, and her probably 250k but if they want kids (which medical training puts off) she might have to work drastic less for a couple years, but eventually they should be able to catch up.
@Ace Degenerate mKe sure if u ever need a doctor that u use your lpn degree to take care of yourself
This guy’s humility is bubbling over. I have quite a few Filipino friends and I will tell you, they’re some of the most humble and helpful people I know.
Wow Graham is going to love these two, or hate them because there's nothing to criticize lol
$50,000 life savings on a wedding?
@@seanlukecorroon lmao, yeah compared to most it's pretty minor. All said and done they will shortly be pulling nearly a million combined income if not more.
@@EconomicCockroach 6-7 years they'll be late 30s. Not shortly lol I want to be retired by then with that sort of income without the long hours.
@@seanlukecorroon I hear ya, It's not something I would do either. However They probably wont want to be retired by then, the medical profession while well compensated is generally in pursuit of helping people and all, but who knows all we got is a few minute glimpse into their life haha
@@seanlukecorroon We will actually both be attendings in 3 years
These guys are so put together.
This is so far the best edition of Millennial Money, the most diverse and refreshing to see! The cutest most inspiring couples so far!
Philly in the house thank you for your services during this pandemic. You both are going to be a super big success in the future. Financial planning is everything, I finally got back into it and I can finally see light at the end of the tunnel.
They look so in love.
Yes, because we are!! :)
They seem like such a nice couple. And as a resident myself I have huge respect for them to be able to live together because I would imagine it as terribly stressful to have a partner in medicine
10:14 “I think the cost of living in DC is a lot higher.”
Me living in the DC metro area: “It IS a lot higher. No need to think about it.” 😂
Philadelphia is extremely cheap and attracting many from NYC and D.C
😂
Thank you for your choice of careers and your service. I owe my life to first responders (cardiac patient). Hi, my name is David, I'm 60 and a machinist working 50 hours a week. I made less than 38k last year.
There is something wrong if you have to donate blood and being a test dummy for MRI tests in order to get through medical school. Like really really wrong.
I agree the greedy medical doctors that teach at the schools need to take pay cuts to lower the costs.
It’s not the doctors who teach at medical schools who need lower salaries it’s the administrative staff, there’s a lot of employees that go into a medical school.
YO THATS MY COUSIN ASHLEY. That’s WACKKK
LOL hey Kelsey!!!!
One day I want to work as a NP 🙂
@@ashleyandandrewmd do u hv any connection with Kerala?
👌
Mallus
What a lovely couple! This is what the American dream is about and you never what or who comes out of America. They're going to have some lovely children!
thank you so much!!!
One proud Filipino health care worker here serving other countries in ths pandemic. Stay safe ya'll! Regards from Norway. 🙏❤️
Graham Stephan is going to approve this .
This comment is getting so tired 😴
That's exactly what I was thinking.
No he is not ! 50k on a wedding 😩
@@90sshows43 I know South Indians and she going to spend money on lot of golds. It's a traditional wedding. And gold is an asset.
@@90sshows43 ruclips.net/video/D7jkBBPGols/видео.html
Watch this video. I guess she wants it in a traditional way
118K Thats good money i live on 25k a year and i am happy DONT KNEAD TO LIVE RICH TO BE HAPPY
I can tell that you're not rich with that spelling
@@Ayush-lw8ut Its ok ! the seed was planted
Philly is an awesome city. So much to do. And it’s pretty cheap. I lived for $10k a year for a bit. It was fine, tons of free stuff to do. And with 110k a year. There’s no limitations.
“I feel like food is better when it’s free”
👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽
Yesssss sis
guys, let it sink in how under appreciated resident physicians are. We often work 80-100 hour weeks, get compensated less than minimal wage (~8 dollars an hour last i calculated) for 3-8 years on top of loans, all during the golden years age 25-35. This couple lives a frugal lifestyle, and a wedding of 50k is their entire saving. Let that sink in.
I'd be interested to see their finances when they start attending.
It’s not as magical as you think.. internists start out 160- 240k depending on community health, teaching/government positions vs private. For those fortunate enough to open their own practices, almost zero income first 2-3 years (one must build up the patients’ roster, collections of insurance pay can lag up to 18 months, staff’s pay, rent, equipments). If student loans are involved, currently, for 200k at 6% interest, about $1400 per month and not tax deductible. Malpractice with tail coverage can be up to 18k per year. Disability insurance about 1.2- 2k per month depending on age. In the end, if one works for a group, monthly take home after 401k, health insurance deductible, etc about 10k. After all the other post tax obligations such as childcare/student loans/mortgage on a modest home/car payment for a Toyota/bills and gas, one would have enough left for a nice dinner once - twice per month or save up for one modest vacation per year. Don’t do primary care if money is the driver for your passion in doing medicine
That’s a lot of stuff happening. Good thing they seem like organized people.
This was a great episode and very realistic. The only thing that made me pause was her $91 food budget, but then he said he spends $270 on both them - that makes sense. I would love to see a follow up on them. Thank you for your service!
thank you so much!!
Awesome, they're NOTwearing Versace or Armani, NOT driving Lamborghini or Ferrari's, NOT eating out all the time and living large. Good for them👍🏼
Good for them. I wish when I was 27 I had a partner who was as passionate at having a good life as me. I’m 35 now and living my dreams finally but it took a long time, heartbreak and divorce before I could get here. I wish them the best 👍🏽
Ashley it was so nice to hear how hard you worked to be independent during school and you and Andrew are a wonderful grounded couple - all the best for your future :)
Thank you Rachana!
Thank you for your service!
- A fellow Philadelphian
Awesome Ashley & Andrew!! As a malayali, refreshing to see another one with a wonderful life story!! Kudos guys!!
Thank you!!!
I’m surprised their salaries are so low for the important work they’re doing. At least they have high earning potential. Glad he feels better after covid
It's fine it is only for residency once they start attending they will more than double their income and will only grow over time. You don't have to feel bad.
Well, they are at the start of their career. Potential salary is high enough.
Residents are essentially govt employed, their salaries comes from the govt and they control how many residency programs there are and how much they get paid.
Residents are basically slaves
@Jswirv y’all have to pay?
He is so awkward but so real.
There are families living off of just 50,000 in Philly. This is a interesting series
Right!
love seeing couples that both have real jobs.
People in medicine, will always be highly valued, and their salaries (should) reflect that.
No, they get paid too much
@@gl4989 Okay bro 🤦♀️🤦♀️
Not in the UK, starting salary is £28K which is around $32K
@@oyster3145 I'm glad you agree
@@HassanPoyo Sad, the other fool who commented would probably think that's acceptable smh
I made 1800$ last year after my third year out of college with a degree in Information Systems Technology and don't feel like comparing myself to others. It just makes me mad at society. I work for hours daily refining my programming skills and applying.
FIFTY THOUSAND?!?! These ceremonies are about to be bananas. We need a follow up video.
Indian weddings are really extravagant, 50k is honestly frugal for an Indian wedding
@@SekaiiWorld2121 ooh I've heard, but that's a lot of money
Most non western cultures have two wedding ceremonies and the traditional one usually is much more costly
Spent $70,000 on my sisters wedding, def not worth it. But as long as she's happy
@@guacfiend 😂You have the honor of best sibling in the world. She will never forget it
Kudos to these two hard working doctors!
More blessings for Doc Andrew, and clearly Ashley is smitten with this Filipino guy. Filipinos are malambing.
Yes I am smitten!! Haha yes they are malambing!!! - Ashley
This was my favorite couple you featured on here. Great story!
Thank you so much Elizabeth!!!
Sometimes people in the comments confuse me. There are people saying they are getting paid trash- they each make 58k a year with earning potential over 200k MINIMUM in a few years. I make 45k as a non profit therapist and would LOVE to make 58k. Do people not in helping professions realize how little we make especially at the beginning?
I really enjoyed this episode but I feel bad that they make what they make, and I'm a nurse that lives not far from them and make a lot more than 60K per year :/ Bless them for helping others ❤❤❤❤
How much do you make as a nurse? Are you an RN, NP, DNP?
@@duplicateparadox7268 I'm an RN. I do pick up some OT where I work and Covid hazard pay helped a little bit in April-May, but the extra money I've made is helping me save for a down payment on a house 😊
@@duplicateparadox7268 I made 80K last year and will be more this year due to more OT.
Yea their residency stage seems so long and at a fixed/stagnant rate, I too work in philly for SEPTA as a train mechanic and make $72k on a base pay as per my hourly rate plus we can work OT. With only 8 extra hours of Ot a week throughout the year, which isn’t much by any means. Total income is slightly shy of $95k and there’s guys who work a little more than just 8 hours of OT a week lol
@@fjsgte678 that's like me! I'll usually pick up an extra shift per week but it adds up overtime. I'm just thankful to have a job through all of this.
Great episode and so relatable and timely. Being a Respiratory Therapist and being on the frontline of this COVID...the anxiety is so real. I'm glad he recovered from the COVID. Great job to this couple.
This was so wholesome god bless these two!
Thank you so much!
Me and my husband come from immigrant parents he’s a dentist and I’m a teacher, we are still living on a budget due to student loans. I love these stories 💜they are a wonderful couple
Alot of people are commenting on salary and ignoring the fact that they have student loans that are exorbitant and have all over life goals and needs that have to be met.
I don't get this. Seems out of touch. We do know that the minimum wage in Philadelphia is still $7.50 an hour right? Happy for their success but for an organization like CNBC. I would expect them to be aware of the average household income for Philadelphians. 118K is a lot when couples here make around 55K and are doing ok for themselves. Don't let this fool you. It's a hard city to live well in.
In 5 years after MD, Plz make a video about how their life has changed when they will be making North of half a million
As an immigrant myself this touches me. Proof that everything is possible in America, no matter who you are or where you came from. All it takes is hard work, discipline, being a little frugal. They will do amazing once they finish residency.
she looks like she's so in love with him. super sweet
Yes I'm madly in love with Andrew! Thank you Genessey!
@@ashleyandandrewmdBest of Luck...Hope u guys have a great life, meaningful and satisfying careers and a beautiful family.
This is great to see because that means Graham Stephan is gonna post a video about this
Go to Ross he will say
Honestly, I feel like they continue to make these videos just so Graham can react to them 😂 I mean, his reaction videos to Millennial Money get more views on his channel than CNBC lol
Yes!
Comments about Graham Steph are getting tired.
@@anoukc6928 do you follow Graham?
PHILLY, I’ve been waiting for this one for a while
Someone recommended this episode to us because we live right over the bridge in south Jersey and have a podcast for young adults.
This was a great episode! I love seeing couples be resourceful and living within their means. They still had goals and didn’t let debt hold them back from living their lives.
Thank you so much!
They will be fine in 5 years , income will triple and debt will be low 🥼
Big thanks to these two and so many other healthcare workers for making Philly such a vibrant and fantastic city to live and work in. :)
Thank you so much!!!
Hang in there guys! I just philly at HUH for my OB residency. It gets better!!! Almost there!
Andrew's brother is such a good brother who supported him through medical school.. Thats a true sibling righ there..
It’s so refreshing seeming children of immigrants in the medical field! I am, soon to be a neurosurgeon, and I am too a daughter of immigrant parents. (:
Hi Paulina! Thank you for your comment. Best wishes with your journey!
Good for you.. Where are you from?
Fellow J-1 immigrant resident doc watching here. Great to see amazing money ethic among my colleagues!!
I just lost my job because of the pandemic, so I started a RUclips channel about Meditation. Wish me luck!!!❤❤
Good luck
Their childhood pictures are so cute! Lovely, humble couple! I wish you all the best
Thank you so much!
Loved this video it’s so realistic and love both of the couples background stories ! Keep working hard and it’ll pay off, very proud of you both!
Thank you for the kind words Giselle!
I knew he was Filipino with the way he said "water". :)
More power to you, kababayan!
Love this episode!! Can you guys do more episodes with healthcare professionals like physician assistants, nurses, and nurse practitioners? Please and thank you!
Right? These are more interesting than the youtube influencer and gentrifier ones.
What inspires me about these episodes is not the amount of money people make, but their passion to create a better society. That's the kind of people we need, not just people with lots of money.
this is seriously so fkn sad for these two amazing frontlines employees to only me making that much a year?! i know ppl who are in tech management making 150k and look how much it cost to have medical insurance + a cost to get hospitalized and they are getting paid under 100k HEARTBREAKING they deserve so much more!
Ay! Shout-out to respiratory therapist! Can't believe she mentioned us , we seriously don't get enough recognition working in the frontline. So thank you sister!
Thank you!! I misspoke when I said respiratory tech (I meant therapist), but I'm def in awe and grateful for the work you all do!!
7:13 I found it profound how she says “Nothing from Andrews mom” lol my toxic self would’ve paused and looked at her confused
😂Way to go Andrew’s mom
I was shocked when she said that. She could have just said that my parents are helping with the wedding. That’s all. Why call out Andrew’s mom?! Disappointed!
Especially since she doesn't live in the US! Plus I thought in the Indian culture the brides parents pay for the entire wedding along with a dowry
This is so relatable to me being a radiology consultant in India and my husband being a physician working with covid patients as I write this comment. So happy to know them and their turmoil of being a front line worker..great video in entire millennial series...youtube is a side hustle that I started during my post pregnancy break..I wish all doctors get paid well as they put their heart and soul out their to help someone else at odd hours of their life sacrificing their own health,family time and relaxation during this pandemic
Thank you for your comment!! Yes we completely agree with all of this! It's a hard life