Millennial In Debt
@millindebt
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Teaching Millennials & Gen Z how to build generational wealth & gain financial freedom. Grab My Book "So This Is Why I'm Broke" | Free Remote Job Board ⬇️
New York, NY
Joined May 2013
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Pinned Tweet
This year I took 14 flights and it cost me a total of $0
I have four credit cards and 5 cash back apps I strategically use to help cover the cost of travel.
I leveraged over 270,000 points. Here's how I get it done
[a thread]
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Believe me when I tell you, you do not have to have a technical background to pivot into a 6 figure position in the tech industry.
43% of jobs in tech are NOT technical. Here's a list of some of the positions you should consider applying for.
[a thread]
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I truly think the most shocking thing here is that $500,000 was only enough to pay off 2 years of his mortgage 🤔
Rihanna spent $500,000 to rent an Arizona man’s house during Super Bowl week—it was enough to pay off 2 years of his mortgage (via
@CNBCMakeIt
)
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If saving money is a big goal for 2024 I’m here to remind you it does not have to be over complicated.
Here are simple savings plans you can automate in 2024 to hit your savings goals
[a thread]
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Dear Cyber Attackers,
In your next round of attacks please:
Erase student loan debt
Decrease housing costs
Bring back affordable groceries
Release the visuals
Thanks, xoxo
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She look like Mama Tina OD in this clip!
not enough people are talking about how funny beyoncé running for beyoncé of the united states is 😭
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Pinterest has 3 new REMOTE apprenticeships available paying $8,100 - $9,500 a month
The Apprenticeship Program is an opportunity for candidates from non-traditional backgrounds & those who face barriers of entry into the tech industry
Here's what you need to know [a thread]
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Technical Writer:
A technical writing consists of gathering, documenting, and disseminating content to clients, designers, and manufacturers.
Employment opps for technical writers has been projected to grow 12 percent between 2020 to 2030
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My net worth just hit $500,000. I am proud of me
I'd also like to highlight: it took me 10 YEARS to go from a negative net worth to half a million
It took me 5 years to pay off $100K in student loan debt on a teacher salary.
Normalize sharing the accomplishment & the timeline
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Operations Manager:
An ops manager is responsible for all the logistics of the organization such as preparing budgets and inventories and overseeing the supervision of employees.
Base salary for ops managers ranges from $92,820 to $120,248 with an average base salary of $108K.
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Y'all ready to have the convo about birthdays actually being a celebration of the age you've just experienced & not celebrating the age you're turning
Ex: If I'm turning 35, I'm not entering my 35th year, I'm exiting it.
Ex
#2
: When you turn 1, you have already lived year 1
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I know Mariah Carey is the Queen of Christmas
But please put some respect on my boy Macaulay Culkin's name.
You can't think of Christmas without thinking of Home Alone.
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This year I saved $18,000 dollars and invested $50,000.
That made up for 57% of my salary.
The remaining 43% of my income covered my living expenses and the 8 trips I took this year.
Budgeting was a big factor in this achievement but so was increasing my income. Do both.
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@jjaxvirtual
Love this! Most of these jobs I’ve listed and the ones I mention in my full list do not require any certifications at all. Most are looking for relevant experience or transferable skills.
Many companies are also willing to train any gapped areas if they feel you’re a good fit!
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Tik Tok getting banned as a means of “protecting the public” in a country that doesn’t have universal health care is insanity.
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When it comes to Blue Ivy Carter and Bronny…
I will not be listening to a single think piece.
Let’s go babies good job 👏🏾👏🏾
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The average car payment for new cars is $726
The average car payment for used cars is $533
The average payment for leased cars is $516
The average monthly car insurance payment is $165
This means most people are paying $681 - $891 a month to own a car without including gas/toll
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My investment portfolio just hit $200,000 dollars
I'm $50,000 dollars away from reaching FAT COAST FI/RE
That means in retirement I'd be able to withdraw & spend $100,000 a yr
Not too bad for a first gen 🇭🇹American that started investing $121 every check on a teacher salary
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Looking for a job is a full time job in itself
So I'm a fan of anything that helps make the process easier
If identifying new roles, applying, updating your resume + networking are overwhelming for you
Here's a thread of Chrome extensions that can help lighten the load!
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If you want to go for a $10,000 savings goal in 2024 to
Use as a down payment for a home
Pay for a renovation cash
Or build an FU fund to help you quit your job
Here’s what your savings plan looks like ⬇️
Daily: $27.32
Weekly: $192.31
Bi-weekly: $384.62
Monthly: $833.33
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@Being_Melody
My partner needs a new car next year and my brain is in shambles trying to navigate it with him in a way that makes financial sense in an economy that don’t make no damn sense 😭😭😭
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❗Google Apprenticeship applications open up on August 5th ❗
They are PAID and this is a global opportunity ! (you do not have to live in the US to apply)
This is great for people looking to change careers. Share this with anyone you know looking for work
[ a thread ] to 📌
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Prime Day is on July 16-17th
Amazon often raises prices those days so the "sale" price is actually the regular price
I strongly suggest making a list of items you want & pricing them now
Then on Prime Day you can see if you're getting a deal or being gaslit
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POV: It's the end of your job interview & the interviewer asks:
"Do you have any questions for me?"
This is your chance to shine & show interest in the role
Here are 5 strong questions you can ask to leave a lasting impression.
[a thread] that you need to definitely SAVE!
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If your goal is to save $1,000 here’s a savings plan you can automate starting January 1st
Daily: $2.73
Weekly: $19.23
Bi-Weekly: $38.46
Monthly: $83.33
To save $2,500 your automation will look a bit different ⬇️
Daily: $6.83
Weekly: $48.07
Bi-weekly: $96.15
Monthly: $208.33
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@RommieSwaggOD
@SheerOpulence2
Lol no. Genuinely from the bottom to the top of my heart: hate y’all. Even if the trend ends and everyone else stops … I will carry it on 😌
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If you’re looking to save $5,000 to add to a sinking fund or towards
Your emergency savings
Buying a new car
Taking a trip
Or paying down debt
Here’s what your savings plan looks like for 2024 ⬇️
Daily: $13.66
Weekly: $96.15
Bi-weekly: $192.30
Monthly: $416.67
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Eggs are $3.99 at Trader Joe’s.
Do with that what you will.
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I have 4 credit cards and an 828 credit score.
I've earned 100,000+ credit card points this year without: paying interest, overspending or carrying a balance.
Let's discuss how you can responsibly + LEGALLY build your credit & earn credit card perks
[a thread]
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I wonder how Cinnabon feel right now after they tried to play Keith Lee and seeing how smart Chipotle has been in partnering with him.
Cinnabon brand manager need to take a look at themselves in the mirror and realize how badly they dropped the ball.
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If you're tired of applying to "ghost jobs" that aren't actually hiring
AND you want to be one of the first applicants so your resumé has a better chance of being viewed by a recruiter
Here's a quick way to get ahead of fake job postings + get recruiter attention [a thread]
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We got 42 days left before we have 12+ hours of sunlight !
Just hold on a little longer. We almost there 🌞
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Many people who are looking to pivot into tech are seeking out expensive bootcamps before they know what skills are required for certain roles.
I’m a firm believer you should try FREE resources FIRST. Here’s a list of free courses that teach you new tech skills.
[a thread]
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The Gabrielle Union discourse is the main reason I stick to the Beyoncé code of silence.
It’s hard to tell people to mind their business when you’ve publicized your business
And it’s even harder to listen to their stupid think pieces about a relationship they aren’t in
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I received a message from a recruiter on LinkedIn this morning about a role she is looking to fill.
By 1:00pm I was on an introductory call and by 1:30pm I was asked to schedule a meeting w/ the hiring manager.
Your LinkedIn should be optimized to have jobs applying to you.
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1/6) The 4 cards I have: Citi Rewards+ , VentureOne Rewards, AMEX Gold & AMEX Business Platinum
Each card has a specific purpose to maximize the rewards opportunities.
I used 180,000 AMEX points for 4 trips (both cards combine points + you can transfer them to airlines)
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If you've been applying for federal jobs on for a while and not getting anywhere...
Here's 3 steps you can take to make your application stand out and start getting called back for interviews
[ a thread ] to save if you're looking for a new job!
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5/6) The other apps I use to earn cashback are Rakuten, DOSH, Receipt Hog, Drop, and Amazon Shopper Panel.
On average I make about $150- $200 a month using these apps.
I've detailed the process of how I do it on YouTube (check the 🔗 in bio)
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My two best friends and I have a Christmas dinner every year we lovingly call “the golden girls dinner”
One of my favorite traditions!
This was year 7 ✨
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If you're looking for those tech job perks and more job security this is for you: Federal Jobs ‼️
There are full time, fully remote positions on that come with a salary of $75,000 and up.
Here's 7 that are currently hiring
[a thread]
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@StrawberriCurls
I’d also like to add Gen Z was / is hitting them vapes like crazy. Aged them right up to Gen X
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Apprentice Product Researcher
What you’ll do: Work alongside other Pinterest Product Researchers & key partners on thee Design, Product and Engineering teams
You need: 1+ years of professional work experience in any industry
Apply Here:
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In 2023 I want more of us working smarter and not harder.
Searching for a job is hard enough without the extra stressors these applications can often cause.
Here are 5 digital tools to make your job search a whole lot easier (PS: They're all free!)
[a thread]
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By now you're aware that the Supreme Court ruled against Biden's student loan forgiveness plan that would impact almost 20 million borrowers
Since then there have been several updates that you need to know about
[an informative thread you need to save]
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Every first of the month I do the following:
Pay my mortgage
Pay off my credit cards
Skip/cancel my unused subscriptions
Order a pizza
Take my self on a money date
Check the previous month's numbers
Adjust my budget for the current month
This all takes less than 1 hour
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NYC: We’re in a state of emergency there will be no group gatherings of more than 500 people
Also NYC: School is open...
#nyccoronavirus
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6/6) Book early + Travel off season: Only one of my trips was during peak summer
I was able to maximize points with lower airfare by traveling mostly from Sept - December
Most of my travels for the year (I took 8 trips) were booked before March
Cheers to more travels in 2023!
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2/6) How I use each card:
Gold AMEX: Opened this year + earned an 80,000 points after spending $4,000 in the first 6 mos.(current offer is 90,000 points)
I use this card for groceries + restaurants (earns 4X points) & for renovations.
FYI: This card has a $250 annual fee
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If you've been unsuccessfully looking for a new job I'm coming to your rescue.
Read this thread 🧵 if you are trying to add specialized transferable skills to your arsenal to make you more marketable in the job force.
Here are 6 free CISCO courses to help highlight new skills
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True up is the exact kinda messy we need.
Brand new job postings with the date of last layoff highlighted !
Yall dropped this 👑
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Still the pinnacle of wealth to me as an adult !
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Despite the US being behind the curve, there are quite a few companies hiring now that are offering:
✅ Fully remote work &
✅ A 4 day work week (32 hours at full pay)
Save this list of companies & roles to jumpstart your job search this week.
[a thread]
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Dear Trader Joe’s
Please let me order and pick up my groceries.
Thank you.
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@Da_mirror91
It’s coz back in April they got rid of the cash back reward offer completely. 😅 now this new thing they got going on is nonsense
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I don’t know which first generation American needs to hear this but…
Use your dishwasher. I promise you it’ll be okay.
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So... basically
@HBO
making a show to portray what Trump supporters wish had happened historically
#no
thanks
#NoConfederate
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🚨Side hustle alert: 19 Sites that pay you to proofread
Scribe
Gramlee
Polished Paper
Click Worker
Domainite
Editorial Freelancers Association
Babbletype
Wordvice
Scribendi
Scribbr
Enago
Edit911
Upwork
Fiverr
R3Ciprocity
FlexJobs
Proofreading Pal
Proofreading Services
Edit Fast
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I bought my house for $195,000 in 2019. It is now worth $300,000.
This is where most homeowners would stop the story as a flex.
But the truth is if I sold the property today I'd make less than $40,000 in profit even though it's worth 53% more.
Here's why [a thread]
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Just maxed out my Roth IRA for the 4th year in a row
In 30 years, the $25,500 I've invested has the potential to grow to $256,000 tax free even if I never invest in the account ever again
If I stop investing completely I'll have closer to $2.4 million across all of my accounts
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For my educators looking to pivot into tech, you already have several skills that can help you land 6 figure positions, even without a technical background.
Here are some of the skills you can highlight to land 6 figure roles with out traditional experience.
[a thread]
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I watched the first episode of Swarm and I'm a stop right here.
thank you but hard pass
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Put the salary in the job listing
Put the salary in the job listing
Put the salary in the job listing
Put the salary in the job listing
Put the salary in the job listing
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4/6) Citi Rewards+ (no annual fee): This was my 1st credit card. It's mainly used for my subscriptions + Amazon purchases.
Besides my cards I also use cashback apps to offset travel
I booked a $650 flight to Amsterdam using cash back I earned from snapping receipts on Fetch
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January 17th, 2019 I closed on my first home.
And since then I have learned many things -- both good and bad about what it truly means to be a home owner.
If you're interested in owning a home in the near future, here are 5 things you absolutely NEED to know.
[a thread]
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The September hiring surge is right around the corner
That means now is the time to start preparing to land your new role.
Here's 5 common interview questions you should prepare for so you can answer with confidence
[a thread]
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Apprentice Product Manager
What you'll do: Help set the product vision and strategy and drive insights through experiments and analysis
Apprentices are expected to work 40+ hours per week, so you can't currently be in school
Apply here:
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HYSA interest earned YTD: $3,419.54
Capital One 360: $1661.79
Barclays: $1634.44
Ally: $123.31
All 3 were 4.0% and 🆙 all year
IDK what rates are going to be like in 2024, but I do know it takes less than 10 minutes to open a HYSA & earn passive income
Open it today !!
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Just booked a $3,000 trip to Aruba for my partner and myself.
Total spent: $187 dollars to cover the taxes on our flights & 5 star all inclusive resort
And still have over 100,000 points left. I am the 👑 of leveraging points and cash back.
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I want ALL my future millionaires to hear me when I say this: negotiating a new job offer does NOT stop at the salary.
There are so many other negotiation points that you can touch on!
[ a thread ]
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I'm not getting off your necks when it comes to earning more money this holiday season... sorry 🤷🏾♀️
If you're into writing or good at it ⬇️⬇️
Here's a list of 40+ places to find paid blogging & writing jobs so you can work from home and earn extra money this quarter
[a thread]
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#YouNetflix
marketing strategy should be studied and applauded.
The same 10 episodes aired on Lifetime to low ratings and was canceled before Netflix picked it up re-marketed it and turned it into the sensation it is today.
And every season since has been marketed perfectly
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Today I'm highlighting remote work opportunities specifically for those who are in the social work industry. I didn't forget...this post is specifically for you!
Here are 5 companies currently hiring remote work for those who have a degree in social work.
[a thread]
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Apprentice Product Designer
What you'll do: Learn about the design process, starting from ideation & exploration, all the way to executing and implementing with Engineering
They're looking for candidates from non traditional tech backgrounds
Apply here:
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My HYSA earned $65.28 in interest in the first 20 days of the year
The more time you spend figuring out which HYSA is the “best” is also more time your money will earn 2 cents in your traditional savings account
Here are 5 HYSA offering 3.30% 🆙 you can open today
[a thread]
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2013 Net Worth: - $80,000
2023 Net Worth: $409,000
Little Miss First Millionaire of her Family Loading.
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@jaesofamous
👀 someone need to explain to him what working corporate means … coz u too work in corporate America 🤔
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Elementary and middle school teachers… please for the love of children stop assigning family tree assignments.
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For my teachers who are dusting off their resumés in hopes of transitioning out of the classroom at the end of this school year I got you.
Here’s 10 EdTech companies you can look into and the current available roles they're looking to fill
[a thread]
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I bought my house in 2019, with an 810 credit score. I put 20% down and signed a 30 year fixed loan.
My current mortgage is $849.40.
Today, under the same conditions, my mortgage would be $990.
This is what I want older generations to understand. Social circumstances change.
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Lmao yo…
Drake done released 4 albums in 3 years
Beyoncé dropped a movie, hair care line and album in 4 mos
Rihanna performing at weddings
Everybody and they mama on tour this year
The economy got everybody hitting them streets 😂
Missy Elliott announces ‘OUT OF THIS WORLD’ tour with Ciara, Timbaland, and Busta Rhymes.
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11 months alcohol free this month.
When I started last January I said this was going to only be for a year. Just needed to slow down a bit.
Officially decided… I’m good. We’re going alcohol free indefinitely. 🤗
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3/6) Platinum Business AMEX (annual fee $695):
I use this card for all business expenses and to book flights + hotels (5X points)
VentureOne (no annual fee): This card pays for all my monthly expenses. (bills, insurance, medical...etc)
There are 2 other versions of this card
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4 financial goals I reached on a teacher's salary:
2018: Paid off $102,000 in student loan debt
2019: Bought my 1st home
2021: Paid off my car in 1 year
2021: Reached COAST Fire
And here's the context that most don't tell when they share their humble brag
[a thread[
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You know d--n well you don't need to buy anything right now whether it's on sale or not!
Matter fact... go ahead and transfer $10 to your HYSA for me right now!
Thanks! ✌🏾
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You will never be broke again.
I repeat: You will never be broke again.
But we don't manifest without doing the work as well. So tell me one thing you promise to do today/ this week to get you 1 step closer to a bigger bag 💰
👇🏾 drop it below so I can hold you accountable!
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Searching for a new job can be challenging and time-consuming.
Because we work smarter not harder, it's time to leverage the benefits of AI to make your job search more efficient & effective.
Here are 5 AI tools you need to know to support your job search today
[ a thread]
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Currently reading “Spare” by Prince Harry and the way he just ever so graciously cut ass on his brothers baldness in the first chapter 🤣🤣
I can already tell I’m in for a treat with this one
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This week I celebrated my one year anniversary at my current job. I'm a fully remote Brand Manager for a fintech company
After leaving my 11 year teaching career behind, here are 5 things I learned & wish someone would have told me about working in tech
[a thread]
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Yo 🤣🤣 I had no idea that y’all cared let alone paid attention to the fact that I call my boyfriend my significant other
There’s no real big reason why. The term boyfriend feels young and I’m old 🤣
He calls me his lady. We’re really just old folks at heart 👵🏾👴🏾
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My significant other drives 98% of the time but yesterday I drove during our errands
When we were leaving the supermarket he said: “it’s nice when you drive” then asked me the magical words:
“Do you want to go to Target & Sephora?”
Me: I do! 🥺
I said I do y’all 👰🏾♀️😂
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Having my own space is a privilege I’m thankful for more and more everyday.
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My partner and I were getting ready for date night last night & I was struggling to pick a purse to go with my outfit
Him: what you need a purse for?
Me: to carry my wallet and stuff
Him: what you need a wallet for? You not paying for anything. I’ll hold your ID
Me:
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