Living On $93K A Year At Age 21 In Chicago | Gen Z Money

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  • čas přidán 8. 06. 2022
  • Chloe Tan, 21, is an international student who earned $93,000 in 2021 in Chicago, Illinois from tutoring, an internship and CZcams. She was born in Singapore and grew up attending international schools in Shanghai.
    This is a spin-off of CNBC Make It’s Millennial Money series, which profiles people around the world and details how they earn, spend and save their money.
    Check out Chloe's CZcams here:
    / itschloetan
    What's your budget breakdown? We're looking for stories from all ages, not just millennials! Share your story with us for a chance to be featured in a future installment of Millennial Money: ​cnb.cx/32TYZ2K​
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    Living On $93K A Year At Age 21 In Chicago | Gen Z Money

Komentáře • 935

  • @asynchloe
    @asynchloe Před 2 lety +994

    Thank you so much to the CNBC team for this feature!! It was amazing to work with everyone - Bonny, Alex, Ernestine, Beatriz, Jennifer ☻
    Feel free to comment any questions and I’ll do my best to answer them!

    • @Aasmaa07
      @Aasmaa07 Před 2 lety +12

      Enjoyed the video Chloe! Wish you the best!

    • @zhibekmukhamedina6159
      @zhibekmukhamedina6159 Před 2 lety +4

      Great video!!!

    • @cblw14
      @cblw14 Před 2 lety +7

      I love that you're so humble! Is there anyway I can get into this tutoring gig?

    • @Justjefe
      @Justjefe Před 2 lety +3

      Chloe you my inspiration !!!!

    • @elizavetabelova6525
      @elizavetabelova6525 Před 2 lety +26

      Do you even know that your income is illegal and you violated F1 visa rules by working remotely??

  • @lightworks3172
    @lightworks3172 Před 2 lety +1634

    Her parent raised her well. She's independent, smart and humble. Her success you can tell is from her own determination.

    • @alancooper6461
      @alancooper6461 Před 2 lety +57

      Independent? They pay for her school 😂

    • @yasinm.3162
      @yasinm.3162 Před 2 lety +69

      @@alancooper6461 ok and?? If you're able, why wouldn't you help your kid out?

    • @Tokai134
      @Tokai134 Před 2 lety +6

      ​@Borat Sagdiyev Wait. Someone attributed her success to her own determination and commented that she is smart and humble, and you jumped to mention GOP? Wtf is wrong with you?

    • @DiamondFlame45
      @DiamondFlame45 Před 2 lety +49

      @@yasinm.3162 If they help her, she is not completely independent. She is hard working but don’t ignore the fact that she has support that most people wouldn’t be able to receive

    • @sonderevokingbuns
      @sonderevokingbuns Před 2 lety +2

      lmao her success is from her parents. She'd be just another broke Singaporean if her parents weren't well off throwing opportunity after opportunity right in front of her

  • @tacosupremacy8853
    @tacosupremacy8853 Před 2 lety +276

    The comment section’s telling me that having parents help you financially is a taboo in this day and age. She’s determined and made good use of the resources passed down to her. I’d want to make sure that I can help my children out for the better every way possible. People are so mad.

    • @fraybart
      @fraybart Před 2 lety +31

      Absolutely. Just ignore the envious types. This girl has seized the opportunities she's had. Others don't.

    • @BeanerMoney
      @BeanerMoney Před 2 lety +2

      Bro I never got an allowance, I aint giving my kids an allowance either haha

    • @BuMyBeLlY
      @BuMyBeLlY Před 2 lety +3

      BIG MAD!

    • @Bunny11344
      @Bunny11344 Před 2 lety

      Not mad at her have respect for her for earning her way with the help of her parents instead of being a lazy spoiled brat that does nothing

    • @aadiliqbalkhan8216
      @aadiliqbalkhan8216 Před 2 lety +27

      @@BeanerMoney you are probably ending up on the streets

  • @alona724
    @alona724 Před 2 lety +1859

    I appreciate her for acknowledging the privilege right up front. It doesn’t take anything away from her work ethic or ambition. It just helps us… as listeners… absorb her story more. We’re not distracted by what feels like gaps in the truth.

    • @antifakeguru3592
      @antifakeguru3592 Před 2 lety +59

      No it doesn’t. It just make you feel better for being a loser lol you people crack me up

    • @WiseOnion
      @WiseOnion Před 2 lety +22

      yeah but we were expecting her to say she's working hard to give back to the underprivileged but nah she wants more $$$ and status to prove she's "self-made" lmao

    • @fraybart
      @fraybart Před 2 lety +30

      @@WiseOnion What about all the kids she tutors? Since they're willing to pay $67 an hour for her services, I'd assume they value what she does for them.

    • @GlamGoddes101
      @GlamGoddes101 Před 2 lety +51

      @@WiseOnion she never said she’s self made, she said the complete opposite of that acknowledging that she had a lot of support

    • @richardshipe4576
      @richardshipe4576 Před 2 lety +11

      @@WiseOnion what could her critics offer that would make them over 90k per year? If your answer is void then she's entirely deserving of her income and whatever else she's able to get from selling her skills.

  • @SAnderson54
    @SAnderson54 Před 2 lety +512

    I absolutely adore her! There is absolutely nothing wrong with being from privilege. That's what we're all trying to do for our kids. Respect people, wear your designer, stack your money, and work towards your goals.

    • @fraybart
      @fraybart Před 2 lety +18

      True. Many people don't actually care about the poor, they're just mad that others are rich.

    • @Krynale
      @Krynale Před 2 lety +9

      @@fraybart you can be rich while still caring for the poor...just so you know

    • @fraybart
      @fraybart Před 2 lety +8

      @@Krynale Precisely, the rich usually help the poor the most. What I'm saying is-if you're not rich-being mad at the rich is not the same as actually caring for the poor.

    • @dorothykozlowski5124
      @dorothykozlowski5124 Před 2 lety +4

      I just wish I had half her mindset in my 20s. I feel so stupid watching how incredibly smart focused and driven and is!

    • @mrmonday677
      @mrmonday677 Před rokem

      @@fraybart The rich Bribes Politicians/presidential candidates behind our backs to avoid paying their fair share of taxes. The Rich are buying up homes across America, making it harder to achieve "The american dream" (BlackRock). The rich arent engaging in mutual aid like the middle class. Bootlicking is cancerous.

  • @Jus1408
    @Jus1408 Před 2 lety +599

    She's honest about her privileges but works hard and is way ahead at 21. Good for her.

    • @mackeejack6731
      @mackeejack6731 Před 2 lety +6

      Yea 16 students 55k soooo hardd

    • @scholaroftheworldalternatehist
      @scholaroftheworldalternatehist Před 2 lety +5

      Yes, parents paying for college may help somewhat

    • @butterflymoon6368
      @butterflymoon6368 Před 2 lety

      @@mackeejack6731 jeez shutup

    • @saqii2930
      @saqii2930 Před 2 lety +9

      @@mackeejack6731 China tutoring business is good. Many teaches have opened firms and makes like millions from them.

    • @idrk1507
      @idrk1507 Před 2 lety +1

      @@mackeejack6731
      Someone’s jealous

  • @DiamondFlame45
    @DiamondFlame45 Před 2 lety +888

    I am glad that people are becoming more aware about their upbringings and socio economic advantages! People would have dismissed this 10 years ago and say just work harder. I am glad the times are changing

    • @Daemon1995_
      @Daemon1995_ Před 2 lety +10

      this the stuff they should be teaching us at school

    • @dustin7708
      @dustin7708 Před 2 lety +33

      I was born into adjacent poverty. Lived in a studio apartment with my mother and sister. My mother worked a minimum wage job. We lived in a very poor town in Ohio. Some people actually do make it out of poverty. Don’t diminish hard work.

    • @luisandrade2254
      @luisandrade2254 Před 2 lety +8

      What does one thing have to do with another? We still live in a time where you have to work harder if you want to get sócio economic advantages

    • @DiamondFlame45
      @DiamondFlame45 Před 2 lety +21

      @Incomeking Not as hard though because they were born with economic advantages. That’s the point kid.

    • @thanosthemadtitan5518
      @thanosthemadtitan5518 Před 2 lety +16

      @@dustin7708 Nobody said hard work isn't important, just that earning a lot of money is much easier if you're already well off. Also, hard work alone isn't enough to just escape poverty in most cases. If you think otherwise, then your survivorship bias is showing.

  • @s.n.2744
    @s.n.2744 Před 2 lety +252

    She’s so self-aware and I love how she talks about her work ethic and upbringing

  • @mirasmith8637
    @mirasmith8637 Před 2 lety +177

    Enjoy your sweat because hard work doesn’t guarantee success, but without it, you don’t have a chance.

    • @kelvinfriend9887
      @kelvinfriend9887 Před 2 lety

      Cryptocurrency is one of the best investment one can make and build wealth for their future

    • @aylawoodruffgibb5441
      @aylawoodruffgibb5441 Před 2 lety

      Well with the crypto currency market favorable as it is, investing now wouldn't be a bad choice.

    • @aylawoodruffgibb5441
      @aylawoodruffgibb5441 Před 2 lety

      Bitcoin is the future, investing now in it will be the wisest thing to do especially with the current rise.

    • @okoogbuka5725
      @okoogbuka5725 Před 2 lety

      Its really good keeping an expert with years of experience close. Just like I have Mrs Maria Isabel Jones, she has made a lot of profits for me.

    • @aylawoodruffgibb5441
      @aylawoodruffgibb5441 Před 2 lety

      Who is Maria Jones? What platform are you on? I'm kinda interested

  • @freedomthrubusiness3047
    @freedomthrubusiness3047 Před 2 lety +248

    Thanks CNBC for shedding light... on the awesome work being down by millenials and Gen Z! Wishing our generations health, property, and success for the years to come. Awesome how Chloe navigated US to make the world her oyster!

  • @djetton1
    @djetton1 Před 2 lety +276

    Wow! Her parents must be so proud! She's so intelligent and down-to-earth. We need her to stay in Chicago after she graduates, she could help the city a ton.

    • @coagc9385
      @coagc9385 Před 2 lety +11

      Chicago is the world’s 7th largest economy among cities. We don’t need help despite the negative press, but many other cities do.

  • @jasminesky4063
    @jasminesky4063 Před 2 lety +69

    She is so intelligent and so down to earth. Her parents have made an amazing job. Great video☺️

  • @laina-brown
    @laina-brown Před 2 lety +104

    What a good idea to use the skills she already has to create an awesome tutoring business! She paired what she knows how to do and found people that need that service.

  • @camillion23
    @camillion23 Před 2 lety +94

    This is definitely what I want to do for my kids. I hope they are just as gracious when they come of age

  • @JujuGurgel
    @JujuGurgel Před rokem +53

    Chloe is the daughter every parent wishes for. Responsible, wise and so grateful!

    • @z7z766
      @z7z766 Před 11 měsíci

      @@renitamcdaniel7592 happy about what?

  • @SL-lz9jr
    @SL-lz9jr Před 2 lety +23

    One of the few people who recognizes AND acknowledges their advantages in life. And what that means in terms of working harder to deserve it. Wow. How refreshing!

  • @foxkujo9684
    @foxkujo9684 Před 2 lety +76

    I lover her self reflecting nature! She is so relatable and still hard working! As someone with ADHD it’s refreshing to see someone strive for their goals the way she does!

  • @zacharyporter3637
    @zacharyporter3637 Před 2 lety +120

    Successful people don't become that way overnight. What most people see at a glance-wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..

    • @marilynhicks5789
      @marilynhicks5789 Před 2 lety

      You are right.

    • @CamilaFerreira-hf5lp
      @CamilaFerreira-hf5lp Před 2 lety

      But I don't know why people remain poor due to ignorance

    • @laurapichler8694
      @laurapichler8694 Před 2 lety

      You're right, Investing in crypto currency now is the best thing to do especially with the current rise in the market

    • @laurapichler8694
      @laurapichler8694 Před 2 lety

      So investing in it wouldn't be a bad idea 💡

    • @billyrussell1487
      @billyrussell1487 Před 2 lety

      I totally agree with you, the crypto currency market is the most profitable venture I ever invested in, I reached my goal of $500k yearly trade earnings. Setting realistic goals is an essential part of trading

  • @leowalan5463
    @leowalan5463 Před 2 lety +59

    Her parents are gems. She is so grateful and able to hustle for herself. Bravo. Wished I think like her and not wasted my parentsoemy in my 5 year in university. Lol

  • @dorianvisser1922
    @dorianvisser1922 Před 2 lety +28

    For those that are considering international studies, in Australia you get a 2 year working graduate visa when you finish an undergraduate or postgraduate degree you don’t need to be sponsored by an employer unless you want to stay longer than that

    • @o0laieta0o
      @o0laieta0o Před 2 lety +3

      In the US is similar. Everyone gets one year after finishing pretty much any kind of studies, but STEM gets up to 2 years. During this 2 years you need to find someone that will sponsor your H1B (10 years) or greencard (permanent resident). Chinese, indians, and some others have more difficulty tho because there's nationality-based quotas.

  • @5oclockfinance555
    @5oclockfinance555 Před 2 lety +109

    But that grind, though. Like studying STEM full time, tutoring, and youtube?? 🙌🙌🙌

    • @buzzybee186
      @buzzybee186 Před 2 lety +13

      Right? Just concerned with this poor girl having any type of down time vs go, go, go. She already said she doesn't sleep.

    • @5oclockfinance555
      @5oclockfinance555 Před 2 lety +11

      @@buzzybee186 I totally agree!! She definitely needs to take care of herself and get those zz's, that's super important. 😊

  • @kiki8680
    @kiki8680 Před 2 lety +40

    Financially smart young lady. Very eloquent and well spoken. I'm betting she meets her savings goal by 24.

  • @hanky.9476
    @hanky.9476 Před 2 lety +26

    Wish her well. She seems mature and has a grounded view of life.

  • @yourowneconomy
    @yourowneconomy Před 2 lety +57

    who else feels equally inspired and encouraged by chloe's parents?

  • @FinancialShinanigan
    @FinancialShinanigan Před 2 lety +61

    RIP Millennial Money, you'll be missed

    • @ZyroSugar
      @ZyroSugar Před 2 lety

      Why?

    • @MegaMijit
      @MegaMijit Před 2 lety +9

      fax, this is a terrible video compared to the content they could and SHOULD be producing.

    • @MegaMijit
      @MegaMijit Před 2 lety

      @Kirsten A she does NOT represent the vast majority of gen z working multiple jobs just to get by. she was born rich...

    • @IamTonySy
      @IamTonySy Před 2 lety

      @@MegaMijit fax? Was that a pun? Lmao

  • @TritoneTrickster
    @TritoneTrickster Před 2 lety +67

    Probably my favourite video in this series to date. Very inspiring and fresh to listen to a 21 year old with such a great head on their shoulders. She’ll go far!!

  • @skylinec83
    @skylinec83 Před 2 lety +63

    Wow so well-spoken, self-aware, and intelligent beyond her years. She's gonna knock it out of the park going forward.

  • @Rollie-go
    @Rollie-go Před 2 lety +8

    I don't understand the point of this video? A person from a wealthy family goes to college... ... ... that's it

  • @nicholasbeutler3126
    @nicholasbeutler3126 Před 2 lety +11

    With that character she has a huge future ahead of her. Humble and balance-minded, pretty remarkable - especially for her age!

  • @jsm2687
    @jsm2687 Před 2 lety +58

    This is a perfect example of continuing excellence in the family.

  • @ugochukwuharbor5519
    @ugochukwuharbor5519 Před 2 lety +11

    Inspiring story. Very inspired by her to live within my means.

  • @u216
    @u216 Před 2 lety +28

    FYI: It’s illegal for international students who hold F1 visa to work as a tutor in the States. Don’t know how she gets away with it. 🧐Unless she is a US citizen or permanent resident.

    • @Miyukouzuki510
      @Miyukouzuki510 Před 2 lety +16

      She tutor kid in Shangshai, I’m sure they not paying her in US dollar. Internation student allow to have income from other countries

    • @veeno3983
      @veeno3983 Před 2 lety

      @@Miyukouzuki510 yes agreed

    • @anaellesure8537
      @anaellesure8537 Před 2 lety +13

      @@Miyukouzuki510 She isn't allowed to do those session from the US though legally speaking

    • @z7z766
      @z7z766 Před 11 měsíci

      @@anaellesure8537 they are allowed to work up to 20 hours I believe

  • @KL-vj4mt
    @KL-vj4mt Před 2 lety +49

    I like how she talked about managing her time with ADHD. Also props to the Milo!

    • @lotusgrl444
      @lotusgrl444 Před 2 lety

      right! I thought it was green tea at first and then I saw it was good ol Milo

  • @Relav1
    @Relav1 Před 2 lety +89

    I also wear my dad's Rolex and 5k Tom Ford suit because it "reminds me of him, not because I'm trying to flex it."
    LMAO at this video.

    • @arkasarkar3901
      @arkasarkar3901 Před 2 lety +38

      AwArE of hER PrIvELaGE though

    • @BearingMySeoul
      @BearingMySeoul Před 2 lety +41

      Stop hating and make friends with the rich kids at school. Your life will get a crazy upgrade. LOL

    • @jasminecontreras7341
      @jasminecontreras7341 Před 2 lety +16

      It was cool the first time she mentioned it, but I think she overdid it a little like I think she mentioned that she was privileged at least 3 times

    • @Naomi-xu4hq
      @Naomi-xu4hq Před 2 lety +6

      @@jasminecontreras7341 from a young white woman’s perspective, we’re in a world where everyone has to mention how privileged a white man is or a successful wealthy person is and we’ve engraved it so far into their heads. I think now to say “they’re talking about it too much” is just hypocritical.
      Before I say “oh I worked hard for what I Have” I get responses online that I’m privileged and wouldn’t be where I was today, but when I mention I’m privileged people are tired of me saying it

    • @parth7092
      @parth7092 Před 2 lety

      @@Naomi-xu4hq You can't appease people so honestly, you should not care about what people think that are on a different life path than you. Appeasement has never worked and it's not about to start working now.

  • @caleb_riordan
    @caleb_riordan Před 2 lety +15

    As much as I wish I was in her position, I find her mindset, motivations and work ethic very respectable. Was an interesting video

  • @freestyle737
    @freestyle737 Před 2 lety +7

    Great story and very positive!
    I'm impressed by how much you make tutoring, i'm a construction engineer in the UK and i don't make even half that on the work sites, will definitely look teaching on the side!

  • @cookingsection568
    @cookingsection568 Před 2 lety +15

    Sheesh, the level of self awareness is impressive, good for her.

  • @futurelawyernyc
    @futurelawyernyc Před 2 lety +8

    Why do I need to watch this kind of video from a 21 year old promoting her ytube channel wearing Van Cleef earrings, necklace and a Cartier watch that most average Americans can never afford? What's the point? She's not even self-sufficient without her parental help.

    • @anoukc6928
      @anoukc6928 Před 2 lety +1

      A CZcams channel gives her visibility, which can help her career. Especially if she wants to work for a FAANG company like Google, who owns CZcams.

    • @olympic-ass-eater
      @olympic-ass-eater Před 2 lety

      @@anoukc6928 I don't think one needs to have a CZcams channel to work with Google.

    • @tinawho
      @tinawho Před 2 lety

      No one forced you to watch it…

  • @boredbeingbored894
    @boredbeingbored894 Před 2 lety +86

    Most of the international students I knew relied on their parents financially and yes, that astronomical tuition fees are about right. You will pay that much for tuition, graduate, and struggle to find a job that will SPONSOR you for a work visa which is only available for a limited amount and lottery-based during my time. IF you're somehow lucky enough to get all that, then the clock starts for you to get SPONSORED for a green card or you have to go back to your home country.

    • @tenzinjangchup5215
      @tenzinjangchup5215 Před 2 lety +3

      Do you know anyone that has gotten sponsored for a full time job? I only ask bc my gf has a degree in chemical engineering and she is going through a very stressful and frustrating time trying to find a job to work at, due to the sponsorship of the work visa ://

    • @elizavetabelova6525
      @elizavetabelova6525 Před 2 lety +18

      I honestly don’t understand how can she be so open about her income in the video given that it is ILLEGAL!
      As international student based in the US you are not allowed to work, even remotely and for another country. Sometimes students do that because they struggle with money but they usually hide it.

    • @hookedmediacarstech1419
      @hookedmediacarstech1419 Před 2 lety +8

      @@Naomi-xu4hq why are you so jealous not everyone has to struggle to succeed

    • @Relav1
      @Relav1 Před 2 lety +7

      @@elizavetabelova6525 My takeaway is that she's being paid in CNY in China, and the money is somewhat difficult to transfer to the U.S.
      So when she says she "saved" for $1.5k heels, that was clearly a lie. The reality is that her parents send her a lot of money each month guaranteed. She's acting like she's hustling, which is far from the truth.

    • @elizavetabelova6525
      @elizavetabelova6525 Před 2 lety +1

      @@Relav1 yes it seems like that. Also, she replied to me saying that she doesn’t see all of her money, this is how she is able to bypass proper work authorization in the US.

  • @maxiecharles2842
    @maxiecharles2842 Před 2 lety +31

    Most people venture into crypto to be millionaires, meanwhile i just want to be debt free

    • @lindapoplin7150
      @lindapoplin7150 Před 2 lety

      That's very practical and smart goal, a wise man once said do everything you can to get outta debt, one of his tips to getting rich

    • @christianajoe8563
      @christianajoe8563 Před 2 lety

      Just do the right thing, by trading with an expert, I trust me you will be a millionaire and debt free

    • @lukeben1596
      @lukeben1596 Před 2 lety

      Your businesses will make you rich but your investments will make you wealthy

    • @claresmithy4667
      @claresmithy4667 Před 2 lety

      When you invest in crypto you are buying days you don't need to work

    • @patienceoluchi5134
      @patienceoluchi5134 Před 2 lety

      Now is the best time to purchase and invest in bitcoin, stop procastinating.

  • @ozeryldz3398
    @ozeryldz3398 Před 2 lety +13

    having a good family the best thing in the world she is unbelievably lucky

  • @FatFIREfamily
    @FatFIREfamily Před 2 lety +9

    Great story , really inspiring I hope my kids grow up the same.

  • @tronn.2273
    @tronn.2273 Před rokem +4

    This isn't one that should have made CNBC. Child gets schooling paid. Allowance given monthly. If she had put the profits from her work (YT+Internship+Tutoring), then paid for her international studies in the US, then we should calculate the remainder. This should then be made into a CNBC if she's able to survive without her parents "free money", or better yet, take out US based loans and discuss how she snowballs the debt down while tutoring and other stuff. This Z'er episode is not accurate (imo).

  • @soojoe
    @soojoe Před 2 lety +24

    Her parents did a great job! Very cool story. She is going places with that drive

  • @takeoutmadeeasy
    @takeoutmadeeasy Před 2 lety +47

    Insane that her undergrad degree cost as much as my dental degree!

  • @dmonleon24
    @dmonleon24 Před 2 lety +19

    67 DOLLARS AN HOUR? Bro better do the exams fo me at that price

    • @wd1534
      @wd1534 Před 2 lety

      it is not difficult to do if you are qualified and aim wealthy people in Shanghai. But you need to be fluent in English, Chinese mandarine and Shanghainese dialect as her, and have lived several years in Shanghai and the United States as her to have a bi-cultural mindset.

  • @melissashi557
    @melissashi557 Před rokem +4

    Also as a international student, you are not allowed to work (visa restrictions) unless you are permanent residence or citizen.

  • @ShannanWynn
    @ShannanWynn Před 2 lety +15

    She is too cute! Young Gen Z doing her thing! Love her personality and story!!

  • @SpongeMixify
    @SpongeMixify Před 2 lety +11

    Love this! As everyone noted, there is nothing wrong with coming from a place of privilege. Acknowledge it, do your thing, and be kind to others.

  • @colleenr3358
    @colleenr3358 Před 2 lety +23

    Chloe clearly is smart and hard-working but also self-aware enough to realize that part of her success also can be attributed to having a supportive family. (Fwiw, imo it's not that people dislike those with wealth or privilege but rather the fact that some, unlike Chloe, fail to acknowledge the role it plays in getting ahead.) Honestly, if I have kids in the future, this is pretty much what I'd want: a situation where they don't NEED to work hard but they have a solid work ethic and WANT to work hard.
    Also, is that Milo at 4:53? (Shout out to immigrants/kids of immigrants. IYKYK)

  • @Trang-A-Lang
    @Trang-A-Lang Před 2 lety +3

    Having a good relationship with your partner is the core of your kids’ future. It can dictate getting through and overcome any unforeseen obstacle.

  • @donsterr
    @donsterr Před 2 lety +34

    I’m still waiting on Living on 3 billion dollars in Macau at age 10.

  • @invictuz4803
    @invictuz4803 Před 2 lety +18

    GenZ are freaking tech savvy and know how to make money. I swear as technology advances and matures, the kids get smarter. For example, there tens of note taking apps out there with endless integrations right now that I would have never imagined using when I was in school.

  • @juelz713
    @juelz713 Před 2 lety +10

    Thank you, Chloe for telling the truth 👍🏽

  • @mindtheprivacy
    @mindtheprivacy Před 2 lety +2

    She's so down so down to earth and appreciative.

  • @Nina-jo8bm
    @Nina-jo8bm Před 2 lety +5

    Fyi, you can apply for an OPT extension of your F1 visa and work for 12 months after graduation in a field of your study. The size of the company does not matter. So you could totally work for a start up after you graduate :) I worked for a very small company for a while.

  • @natetimestory3310
    @natetimestory3310 Před rokem +7

    It’s also about your network of clientele. If your clientele is paying an average of 6k/year in tutoring, you’ve got a fairly exclusive market. The moral of the story is to focus on a network of people that will put wins in your sales and that appreciate the value you bring them.

  • @jamsonren9640
    @jamsonren9640 Před 2 lety +9

    I’m also from Shanghai went through college and work in Chicago. Didn’t do as well as her but I can relate

    • @Relav1
      @Relav1 Před 2 lety

      Kinda same, which school for you?

    • @Relav1
      @Relav1 Před 2 lety

      In Shanghai I mean

  • @tranfan
    @tranfan Před rokem +2

    Nothing but props. She’s privileged yet humble and hard working. So smart and successful at such a young age.

  • @ayoo3775
    @ayoo3775 Před 6 měsíci +3

    21 y/o woman makes 90k/year
    “Omg shes a smart, strong, independent woman. Very influential”
    21 y/o man makes 90k/ year
    “As he should”

  • @sugarskulllyfe5890
    @sugarskulllyfe5890 Před 2 lety +4

    very humble and knowledgable wish her the best

  • @kartikvaish7462
    @kartikvaish7462 Před 2 lety +24

    I don’t get it. She said that she is an international student, which means she’s probably on an F-1(student) visa. Kids on student visas are only allowed to have sources of income from skills that were acquired from the respective degree that they’re enrolled in. She said she’s in STEM, but tutors IB English to kids? Please correct me if I’m wrong, but that sounds like she is in violation of her immigration status.

    • @LD-yq7cl
      @LD-yq7cl Před 2 lety +2

      TAX FREE on top of it

    • @Audreylin29
      @Audreylin29 Před 2 lety +2

      Good point, this video does not add up!

    • @yasmineelhadi5511
      @yasmineelhadi5511 Před 2 lety +2

      as far as i know, international students are allowed to work part time outside their degree during the course of their study

    • @yukky341905
      @yukky341905 Před 2 lety +12

      She’s in a grey legal area here. The income earned outside the US (legal) but the work is done in the US (not quite legal). This could be an issue in the future for her but with her parents’ money, it’s not such a huge risk. Most international students that are not as privileged generally avoid this route unless they have a different way to get their work visa/residency

    • @anaellesure8537
      @anaellesure8537 Před 2 lety +1

      @@yasmineelhadi5511 Only if it's an on-campus job

  • @mr.gamewatch8888
    @mr.gamewatch8888 Před 2 lety +26

    So jealous of her success, but can’t hate. Good job, good life.

  • @lindawang5649
    @lindawang5649 Před 2 lety +37

    I thought I was well off because my parents paid for my (public) university education, and I always had food at home and could participate in any extracurricular I wanted to.
    Based on her designer wardrobe and her mom’s birkins, this girl is probably from an affluent family in Singapore.

    • @ClapBoomBoom
      @ClapBoomBoom Před 2 lety +12

      I'm gonna take a guess and say it's the Chinese Indonesian side where all that wealth is coming from. I went to school in Shanghai too (as a Chinese Filipino) and nearly all the Chindos were so much wealthier than other ethnic Chinese from other Southeast Asian countries (Malaysia, Singapore, Philippines, etc.).

    • @kam8916
      @kam8916 Před 2 lety

      @@ClapBoomBoom I guess cuz there’s more people in Indonesia so more Chinese there who are rich?

    • @ClapBoomBoom
      @ClapBoomBoom Před 2 lety +1

      @@kam8916 That's one way to put it, but that only applies if the person in question has a family business.

    • @holmiumh
      @holmiumh Před 2 lety +1

      @@kam8916
      A lot of South East Asia Chinese have some old money.
      Because they started trading with the Europeans very early on and they didn't endure the communism apocalypse in China (where the old money was wiped out or shipped out).
      For a very long time they were the only upper middle class Chinese in existence.
      Now, even though the old money is somewhat dispersed and become insignificant in modern economy, the mindset they developed is still very much helping them everyday. You simply won't find a more resilient group of people comparing to South East Asia Chinese.

  • @noeli_333
    @noeli_333 Před 2 lety +11

    I felt that adhd thing 😂😭

  • @KP-ov3mg
    @KP-ov3mg Před 2 lety +4

    I really appreciate people who are upfront about their wealthy family's help. There's nothing wrong with being supported by your family. We should all be do lucky! But it sucks when people aren't transparent about the fact they didn't start at the same level we all did.

  • @jeremythreat844
    @jeremythreat844 Před 2 lety +1

    Whoa. Chloe is on her way! Her perspective seems pure and sound.

  • @shreyanshmisra
    @shreyanshmisra Před rokem +7

    How does she get around the F-1 (International Student) Visa's restrictions on working? According to those, you can only work up to 20 hours and can only be employed on your campus.

  • @blessingboamah7340
    @blessingboamah7340 Před 2 lety +25

    Way to go Chloe, regardless of whether you are privileged, it sounds like you are working hard to pursue your dreams/goals.

  • @nam-a-style
    @nam-a-style Před 2 lety +36

    The biggest question is: how can she work as an international student? Literally every F1 visa student can only earn money from crappy campus jobs or through internships. And in her case she only makes around $6,000 through her internship and the rest were CZcams and Tutoring???? How is that even possible since it's illegal for international students to have income from CZcams???

    • @gdl30
      @gdl30 Před 2 lety

      Very true- maybe she isn’t F1?

    • @BearingMySeoul
      @BearingMySeoul Před 2 lety +14

      Maybe she registered her channel in Singapore. I think your channel has to be in the country where you have a bank account? You can use paypal for tutoring and map it to your home country. Not too hard. 🤷🏽

    • @gdl30
      @gdl30 Před 2 lety +4

      Maybe she gets paid not in American dollars but from foreign money

    • @nam-a-style
      @nam-a-style Před 2 lety +4

      It doesn't really matter. If she put some "work" and "earn" money while she is staying & studying in the US it's literally illegal for F1 students. Taking cash/paypal from foreign money while "tutoring from the US" is still illegal.

    • @BearingMySeoul
      @BearingMySeoul Před 2 lety +8

      @@nam-a-style
      When I lived overseas on a tourist visa, I did remote work in the US and was paid in US dollars which was perfectly legal to do since I wasn't working via the foreign country's economy. I'm pretty sure the same rule applies in this case. The US doesn't want foreign students working via the US economy but they're welcome to exploit whatever other economy they so choose. The visa limitations aren't in place to impoverish students so much as to protect local economy.

  • @catyoungworldwide
    @catyoungworldwide Před 2 lety

    This young woman spends better and has such sensible ideas and values about money. She comes from a good family and appreciates that. Love it!😍

  • @Ideal-np3fk
    @Ideal-np3fk Před 2 lety +1

    Such a well spoken young lady! How happy her parents must be.

  • @desmondding7405
    @desmondding7405 Před 2 lety +15

    I assume she is a F1 student? I wonder how does she do her taxes, technically F1 students are not supposed to work apart from OPT and CPT.

    • @arkasarkar3901
      @arkasarkar3901 Před 2 lety +4

      They can work only if it a hobby and not a full time income though it's a bit of grey area

    • @desmondding7405
      @desmondding7405 Před 2 lety +4

      @@arkasarkar3901 It isn't a grey area, either they don't file taxes which is a crime or they file taxes and expose themselves working which is against the student visa policy. So I hope she's not on F1, otherwise it's truly audacious for her to do this show.

    • @anoukc6928
      @anoukc6928 Před 2 lety +1

      She wrote she doesn’t see the money coming from CZcams. Probably it is paid in her bank account in her home country. So technically she is not working for a US employer or as an independent worker in the US.

  • @Kitty-Cattie
    @Kitty-Cattie Před rokem +4

    I think everyone saying that they're glad she mentioned "privilege" misses a few nuances. There's the fact that she's an international student in a foreign country (alone)- making new friends, learning American dialect, absorbing a new culture, and so many more. I roomed with international students in college and befriended many more. After 4 years, I wouldn't say "privilege" is the first thing that jumps to my head. Humility is why they say privilege, but truly, I admire their journey, independence, and all the physical/mental toll. In my opinion, many of these internationals have earned my respect and way beyond just a privilege background. They have a lot more in common with regular folks than the things we choose to focus on (money), but also deal with tough situations anyone who's not an Asian immigrant wouldn't relate to. There's pressure to outperform your parents and other things. Privilege isn't what they use to relate or not relate, but rather look up to (in Asia). So, I'm trying to say that when she said "I know I'm privileged," there's a lot more nuance, and it doesn't relate to American conception of privilege. Anyway, if anyone has had experience in Asia or around international students, maybe you can relate to what I mean. It's just not the same conception as American.

    • @fraybart
      @fraybart Před rokem +1

      You're absolutely right. I'm astonished at all the out-of-context comments by jealous people. Those people would be far better off following her example.

  • @pl9046
    @pl9046 Před 2 lety +7

    Every pic of her mom was her mom with a birkin. A birkin costs $10k and up to $200k per bag. Lol

    • @lindawang5649
      @lindawang5649 Před 2 lety +2

      Yeah lol, I don’t think she’s from a “well-off” family. Her family is probably from an affluent Singapore circle.

  • @theneophytejournal
    @theneophytejournal Před 2 lety +5

    so its basically a video about a rich kid talking about how rich they are?

  • @cnewt00
    @cnewt00 Před rokem +5

    It’s nice when rich people acknowledge they’re rich 😂 Still, it would be nice if CNBC had more relatable people on here.

  • @PinkDiamond7777777
    @PinkDiamond7777777 Před 2 lety +12

    We've gone through all the millenials; now, we're on to Gen Z. 😊

  • @toyoptoo4999
    @toyoptoo4999 Před 2 lety +1

    Well done bub - Hope to have a daughter just like you one day, very inspirational

  • @chellyman
    @chellyman Před rokem

    It's good to see all types of upbringing. She seems like a nice person. I remember having to working two jobs to pay for my college tuition. It was hard work but it worked out in the end.

  • @lillianzhang_
    @lillianzhang_ Před 2 lety +5

    Such an inspiring story 💕

    • @LD-yq7cl
      @LD-yq7cl Před 2 lety

      inspiring , how ???? how to spend money from your millionaire parents??? what did she invent ?

    • @fraybart
      @fraybart Před rokem

      @@LD-yq7cl Well, her students clearly value her work since they pay $67 an hour for her tutoring services...

  • @MegaMijit
    @MegaMijit Před 2 lety +19

    must be nice having parents to pay your tuition for you

    • @kenkunz1428
      @kenkunz1428 Před 2 lety +5

      Must be nice having rich parents. She was born on third base.

    • @emmarose7491
      @emmarose7491 Před 2 lety +2

      Meanwhile somewhere an orphan said: must be nice to have parents.

    • @user-in1yw9ty5t
      @user-in1yw9ty5t Před 2 lety

      must be nice to send your kids to public school.

  • @YasinNabi
    @YasinNabi Před 2 lety

    You are wonderful :) great story

  • @bedtimereads9855
    @bedtimereads9855 Před 2 lety +1

    I thought she looked familiar, then it hit. She has a hit video talking about her streams of income. Nice seeing her here in Make It. 👏

  • @DK-210
    @DK-210 Před 2 lety +6

    Another out of touch profile that literally applies to less than 1% of the audience (cue eyeroll)

  • @LD-yq7cl
    @LD-yq7cl Před 2 lety +5

    250k dollar tuition in the LAND OF THE FREE... to do what afterwards ???

  • @westcoastkidd17
    @westcoastkidd17 Před 2 lety +2

    Mautre beyond her years and seems humble despite her affluent upbringing.

  • @fiyinobayanmusic
    @fiyinobayanmusic Před 2 lety +15

    Once she said Singaporean I was like yes that explains a lot!

  • @freehypes
    @freehypes Před 2 lety +26

    the rich get richer. good for her. but she's a typical wealthy international student. definitely gonna be set in life already. wonder what her parents do back in home country - bet they're insanely rich lol

    • @gdesatyavrata
      @gdesatyavrata Před 2 lety +23

      Didn't you watch the video, it clearly stated what her parents do for a living...

    • @emmarose7491
      @emmarose7491 Před 2 lety +6

      Banker and biohealth.

  • @NathalieLazo
    @NathalieLazo Před 2 lety +27

    This message is for someone who needs to hear this and will fully understand it... You are not define by your circumstance or your past. It’s not what happened to you that determines your success in life; it is how you deal with those circumstances that determines your success in life. You are strong, you are capable and practice forgiveness (Forgiveness is for you; forgive your parents or anyone whom we have chosen to hurt us, to begin the process of healing and freedom. Remember: Forgiveness is for you to be freed, healed and happy. It’s a RESET BUTTON) and practice gratitude everyday. This will change the course of your life forever. Love you always and I believe in you wholeheartedly no matter what ✨❤️ - Nat

  • @ellosteve
    @ellosteve Před rokem

    tbh this is the best episode yall have done 💯

  • @tiegatries
    @tiegatries Před rokem +1

    I am impressed by how together such a young person is!! Keep it up :)

  • @mkingjj_
    @mkingjj_ Před 2 lety +48

    How about we feature low income students who have not had generational wealth or privilege and are making it in institutions like this. THAT'S an accomplishment!

  • @adradaadrad326
    @adradaadrad326 Před 2 lety +5

    She spends thousands on her hair. Look at that platinum blonde hair on the darkest hair possible, Asian.

  • @sheidaji8610
    @sheidaji8610 Před rokem

    Wow how much wisdom and self awareness she has despite of her young age ! Good luck

  • @gptty
    @gptty Před rokem

    It’s informative to hear that international students are not able to work for startups. Thanks for the good share.

  • @EpicxEvolution
    @EpicxEvolution Před 2 lety +4

    Similar age. I make 80k base salary annually. With overtime, my income can get comparatively astronomical. I also live in Chicago. In three years, I'll reach 100k base. I have no student debt. I'm not privileged; I grew up in the nearby hoods.
    This girl is impressive, in many ways. I definitely could not do what she does. However, find your own way. Don't believe that just because you weren't fortunate enough to get a similar head start that you're out of the race.

  • @Dreabz617
    @Dreabz617 Před 2 lety +56

    These videos really highlight the difference in salary/pay structures between millennials and Gen Z. Add wealth and privilege to the equation and you’re likelihood of success is pretty much guaranteed. Millennials have gone through a global recession, a pandemic and subsequent job losses, and, currently, inflation and the a very likely 2nd recession. I’m a millennial and was in the age group that didn’t get to experience the 08-09 housing crash and recession, so I’m lucky to be better off than most. But it’s still sad to see how much some of my friends struggle to find decent paying jobs with benefits, despite having college degrees from top universities. I’m not trying to take anything away from this woman’s accomplishments though. Just really interesting to see the differences between generations.

    • @SeeWonderHaveLive
      @SeeWonderHaveLive Před 2 lety +2

      I hear you. In way, I can not help but think employers assume newcomers to the states are going to push and apply themselves becoming more of the type of employee they seek. Just based on observations as someone coming from your generation too.

    • @TheMasterPoke
      @TheMasterPoke Před rokem +9

      Why do you think gen Z have it better? We just had a global pandemic that has become to wane in the last few months + a war in Europe that has just begun to impact food and energy supplies.

    • @SeeWonderHaveLive
      @SeeWonderHaveLive Před rokem +2

      @@TheMasterPoke the internet gives more plus you grew up integrating tech more than many before you. That is why employers value your opinion and ideas to share. If you think working is hard, ask someone who never had the internet before!

    • @lebumjames1373
      @lebumjames1373 Před 10 měsíci

      Lol if you went to a top uni and are struggling to find a job you didn’t prepare at all in college.

  • @paulgarza133
    @paulgarza133 Před 2 lety

    Wow what a humble person! You are the dream daughter, wish you the best on all your endeavors.

  • @queenbee4350
    @queenbee4350 Před 2 lety

    Loved this interview with Chloe. Been following her for a while on CZcams. So proud of her. ❤🎊