젊은 밀레니얼 세대 기업가의 재무적 성찰

### 재정적 자유와 책임의 수용: 개인적인 여정
* 💬 "물론 잠시 질투가 나긴 했지만 솔직히 저는 **인생에서 원하는 모든 것을 다 가졌어요.**"
* 🏡 시애틀과 팜스프링스에 살고 있는 저는 **28살에 월 5,000달러의 모기지를 파트너와 나눠서 가지고 있는 특권**을 인정합니다.
* 💸 저는 팜스프링스에 에어비앤비 숙소를 소유하고 있는데, **월 500달러 정도의 비용**이 들지만 **손익분기점을 넘기지는 못합니다.**
* 🚐 2020년에 저는 총 110,000달러의 비용 중 **75,000달러를 투자**하여 대여를 통해 비용을 회수하고자 **빈티지 에어스트림 트레일러를 구입**하여 리노베이션을 진행했습니다.
* 🐶 두 마리의 개를 키우는 데 한 달에 **150~200달러**가 들며, **미용 비용이 약 125달러**로 가장 많이 듭니다.
* 📈 제 세전 수입은 월 평균 **$40,000**이지만, 주로 **3,800달러의 모기지를 포함한 지출은 월 $8,000 정도**입니다.
* 📝 상당한 수입을 올리고 있음에도 불구하고 재정에 대한 불안감을 느끼며 **예산이 한 번도 없었기 때문에 예산의 필요성**을 인식하고 있습니다.
* 🍷 와인 컬렉션과 골프는 제 지출을 늘리는 죄책감의 대상이지만, 저는 **현실을 직시**하고 제가 가진 것에 감사하는 마음을 가지려고 노력합니다.

모니카 처치는 자신의 재정적 특권을 수용하는 동시에 더 나은 예산 관리의 필요성을 인식합니다.

I'm a little bit embarrassed by my finances. Sometimes I feel like I don't have it all under control. This will be my fourth year of averaging five hundred thousand dollars a year. I've never had a budget, and every time I log into my bank account, I feel anxious. I know that's something I need to do a little bit better of a job at. I'm Monica Church, and you're watching Millennial Money. [Music] Thank you. I have three streams of income: my YouTube channel, my real estate agent business, and a new endeavor for me, which is coaching. I average about 250,000 dollars a year on YouTube now, and about two hundred and fifty thousand dollars as a real estate agent. The median price point I work with is right around eight hundred thousand dollars, but I'll really help anyone at any price point. My typical commission check could be anywhere from ten thousand dollars if I'm splitting it with another agent, up to my highest commission check, which was thirty-six thousand dollars. I just started coaching, and my

first month. I made ten thousand dollars. My time probably would be better spent just focusing in on one career, but I am passionate about many things, and I really like having the multiple streams of income. On average, my pre-tax income is forty thousand dollars a month. After taxes, it's closer to twenty-nine thousand dollars a month. My expenses are at least around eight thousand dollars a month. My biggest expense is my mortgage. My mortgage is thirty-eight hundred dollars a month, but I've never actually paid that full thirty-eight hundred dollars. When I first moved in, I actually had roommates in two bedrooms. So, one paid eleven fifty a month, and one paid one thousand a month, and I paid the difference. Now, I live here with my boyfriend. He pays me fifteen hundred dollars in rent, and I pay the twenty-three hundred dollars in difference. The average rule for how much you should spend on rent or a mortgage is 30% of your income. I don't spend anywhere near that. That is changing, though, because I am in contract on a house with my

boyfriend in Palm Springs, California. The mortgage on that home is going to be sixty-one hundred dollars a month in total. I'm going to have close to ten thousand dollars in mortgages. It will be split with one other person, so I will be accounting for five thousand dollars a month in mortgages. [Music] I'm going to live in Seattle for six months of the year, in California for six months of the year. I know so many people work all of their lives to be able to do this whole Snowbird thing, live wherever they want, and I realize how privileged and fortunate that I am to do this at 28 years old. I pinch myself every day, and it's not something that I take for granted. I do also own a home in Palm Springs with my sister, Shelby. It's an Airbnb, and we use it as an investment property. It doesn't quite break even, and on average, I pay 500 a month for it. I don't really spend that much money on clothes and makeup once a quarter.

basically, the change of seasons all feel the need to get some new clothes to refresh my wardrobe, and I'll spend on average fifteen hundred dollars on this shopping trip. This is pretty much all I wear, is a mix of this pant with this style of shirts. I like to think I'm pretty low maintenance with self-care. This accounts for makeup, hair styling products, getting my hair done, which I do about twice a year. I used to get my eyelashes done, but I gave that up a couple of years ago. I don't get my nails done, and my eyebrows I get threaded for twelve dollars about every two months, and that's pretty much it. Foreign [Music] is 13 a month. It is a catastrophic plan, so if something horrible happened to me, I would have to pay sixteen thousand dollars out of pocket, and then the rest would be covered. I do have enough money in an emergency fund where if something did happen, I would be okay, and it wouldn't be a huge hit to my finances. Between me and my boyfriend, we have

three dogs, but I'm financially responsible for two of them. People are so quick to get a pet but not really think about how much that's gonna cost them. My dogs cost me on average probably about 150 to 200 a month. The biggest expense is their grooming. This costs on average 125 dollars. Other expenses with my dog would include treats, some toys, and food. You should always also have an emergency fund for your pet. I'm pretty sure every pet that I've grown up with, there's always been some expensive vet trip. [Music] I spend about 150 a month on subscriptions. My main subscriptions are actually business expenses. Storyblocks.com is probably my most expensive subscription. This is 70 a month, and it is stock footage. Even just one clip a month that saves me time is worth it to pay the 70 a month. I really try to not do paid subscription models because sometimes I do them and I forget about them. I absolutely hate them. Unfortunately, I went through my finances recently and found I was paying five

thousand dollars a year in subscriptions, and a lot of them were things that I didn't know about and forgot about. It's so hard to track these all down. That what I did was I actually called and I reported my credit card as lost so that all of the subscriptions would cancel, and I would have a clean slate because it was honestly just so overwhelming to figure out. I'm a little bit embarrassed by my finances sometimes. I feel like I don't have it all under control. I've never had a budget, and every time I log into my bank account, I feel anxious. I know that's something I need to do a little bit better of a job at. On average, I spend probably thirteen hundred dollars a month on food. I think me and my boyfriend go out once a week for a nice meal. I will split a bottle of wine. We'll get appetizers, you know, we'll do the whole thing, and the bill comes out to be like 200 every time. [Music] It's not that I don't like to cook, but I

just don't like the time that it takes to cook. [Music] My guilty pleasure spending habit is on my small collection of wine. I have wine subscriptions to some wineries where the bottles cost on average fifty dollars. I don't drink that every day, but I do have a collection of my nice wines. Yes, I can absolutely taste the difference between a good bottle and a bad bottle. My favorite hobby would be golf. If you like to golf, it deserves its own category in your budget because golfing is expensive. This adds up really quickly. One round of golf can easily cost you a hundred dollars. I really don't golf much when I'm in Seattle, but when I'm in the desert, I like to golf at least once or twice a week. Two years ago, I bought my dream car. It is a Porsche Macan GTS. It has red leather seats. It cost me seventy thousand dollars. I put twenty-five thousand dollars down on it, so I have a monthly payment of 655 on that car, and

insurance is 159. I've loved having that car, but I'm actually going to sell it soon because I have an Airstream trailer, and I need to buy something that can pull it. In 2020, I bought a vintage Airstream trailer that me and my dad started renovating. I'm now having it professionally renovated in Texas. The renovation is going to cost about 110,000, of which I've paid in 75,000. This isn't my smartest purchase in the world, and it definitely is kind of a money pit, but I am really excited for it, and I do think I can recoup some of the costs of this trailer. To make all my money back from the renovation, I would have to rent it out 150 times. I make a lot of money, but I do spend a lot of money. The most expensive thing I bought recently that I don't think was worth it was a Sleep Number Mattress. It was six thousand dollars, and I tried it out and didn't

like it, so I actually ended up returning it. One expensive thing that I did buy recently that was completely worth it was my first-class flight from Atlanta to Cape Town. That was six thousand dollars, and it was so well worth it. A smaller purchase that I don't find to be worth it is Amazon Prime. I know everyone loves it, but I don't really like ordering things online. A little purchase that was really worth it to me was my daily planner. I do a lot of things in a day, and my mind is going a mile a minute. This planner starts every day asking me what I'm grateful for. That has been so grounding for me because I definitely do think I used to get caught up in wanting more and more and more financially. You could make a million dollars, and okay, the next year you want to make two million dollars. Nothing's ever gonna feel enough. A lot of people know I have a twin sister, Shelby, that makes YouTube videos, and you might have seen she last year made double what I made. A question

that I get asked a lot is, am I jealous of her? Sure, I was a bit jealous for a little while, but honestly, I have everything in life that I could possibly want. It's kind of hard to be jealous when I am so fortunate myself. [Music] Thank you.

Living On 500k-A-Year At Age 28, In Seattle | Millennial Money

Monica Church

모니카 처치는 유튜브, 부동산, 코칭 등 다양한 수입원으로 세전 월평균 4만 달러의 수입을 올리고 있습니다.

가장 큰 지출은 주택 담보 대출이지만, 룸메이트를 구하고 현재 남자 친구와 함께 살면서 비용을 줄였습니다.

재정적인 성공에도 불구하고 모니카는 예산 관리에 어려움을 겪고 재정에 대해 불안감을 느끼지만, 재정 관리를 개선하기 위해 노력하고 있습니다.

내 옷장 및 자기 관리 루틴 새로 고치기

매 시즌 새 옷에 평균 1,500달러를 지출하고 메이크업과 헤어 비용을 최소화하는 등 셀프 케어 루틴을 유지합니다.

제 건강 보험은 한 달에 13달러이고 본인 부담금은 최대 16,000달러이지만 예상치 못한 지출을 충당하기 위해 비상금을 가지고 있습니다.

최근 케이프타운행 일등석 항공권을 6,000달러에 구입한 것은 그만한 가치가 있었지만, Amazon Prime과 쌍둥이 여동생의 유튜브 성공은 저에게 큰 영향을 미치지 않았습니다.

개인 지출 습관과 재정적 어려움

이 화자는 병당 약 50달러의 구독료가 드는 작은 와인 컬렉션을 보유하고 있으며, 라운드당 100달러가 추가되는 골프를 즐깁니다.

7만 달러에 포르쉐 마칸 GTS를 구입하여 매달 655달러를 지불하고 있으며, 구독을 추적하는 데 어려움을 겪다가 결국 신용카드를 분실 신고하여 구독을 취소했습니다.

이 화자는 재정에 부담을 느끼고 한 달에 약 1,300달러를 식비로 지출하며 은행 계좌에 로그인할 때 불안감을 느낍니다.

금융 여정: 자동차, 항공, 반려동물

이 스피커는 현재 전문적으로 개조 중인 빈티지 에어스트림 트레일러를 견인할 수 있는 차량을 110,000달러에 구입하기 위해 자신의 차를 팔고 있습니다.

지금까지 75,000달러를 지출했으며 비용을 회수하기 위해 150회 대여할 계획입니다.

연사는 또한 두 마리의 개를 키우는 데 드는 재정적 부담을 강조하며, 월 평균 150~200달러의 비용을 지출하고, 한 달에 150달러를 구독료로 지출하며, 가장 비싼 것은 70달러의 스톡 영상 구독료입니다.

화자는 잠시 질투를 경험했지만 인생에서 원하는 모든 것을 가진 것이 행운이라고 느낍니다.

팜스프링스에서 월 6,100달러의 주택담보대출을 받고 있으며, 이를 분할하여 한 달에 5,000달러씩 지불하고 있습니다.

화자는 시애틀과 캘리포니아를 오가며 시간을 쪼개는 스노우버드 라이프스타일을 살고 있으며, 여동생과 함께 팜스프링스에 에어비앤비 숙소를 소유하고 이를 투자로 활용하고 있습니다.