- 1 day ago
In this episode of Cost of Living, Devonte breaks down exactly how he earns, spends, budgets, and invests while living in one of the most expensive cities in the US.
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00:00My name is Devontae Duncan. I'm a software engineer living in Brooklyn, New York. My base salary is $159,000
00:06a year.
00:07I'm going to be sharing everything about my finances. This is cost of living.
00:12I'm a level 3 software engineer at a tech company in New York City. My annual base salary is about
00:18$159,000.
00:20I did get a sign-on bonus of about $20,000, and I did spend that on a Tesla Model
00:263 back when it was super expensive.
00:28When I got hired, I received $100,000 in equity in the form of RSUs. That vested over the period
00:35of four years.
00:37So yearly, that brought my total salary up to around $215,000 to $240,000.
00:44And that ran out pretty much, so now I'm back down to the base $159,000 a year.
00:50My monthly salary is $13,250.
00:54My take-home after taxes, after health care, after every deduction, is about $7,752 a month.
01:01The only additional side income that I earn is from my YouTube channel, which is Dose of Devi.
01:07And I believe at its peak, I was earning about $300 to $400 a month.
01:13And now it's about $100 a month just because I haven't been making videos as often as I was before.
01:18I work five days a week, and there was an RTO policy at my job, so I go in Tuesdays
01:24and Thursdays, and the other days I just work from home.
01:28I live in a two-bedroom, two-bathroom apartment in Midwood, Brooklyn for $3,450 with parking.
01:36My portion of the rent specifically is $2450.
01:40I currently live with my girlfriend, Erin, my partner in crime.
01:44And the way that we split finances is basically based on whatever makes sense and what feels equitable.
01:50So for me, since I make significantly more as a software engineer than she does as a schoolteacher, I take
01:56the brunt of most of the bills.
01:57So she gives me a flat $1,000 every month, and then all of the utilities and the rest of
02:03the rent is on me.
02:04The total amount of money that I pay for utilities is around $500 a month.
02:08So for internet, it's about $90.
02:12For gas, it's about $90.
02:14Electricity, it's around $250.
02:16For the phone bill, it's about $20.
02:18And for streaming services, it's about $40, $46 a month.
02:25Welcome to my apartment.
02:26Let me show you around.
02:27Come on inside.
02:28We got the kitchen first up.
02:30It's got a beautiful island, which it's open concept kind of, but it provides a nice little separation between the
02:36living room area and the kitchen area.
02:38I got a dishwasher going on down here.
02:42Very convenient because I don't like to hand wash dishes anymore.
02:45I have an actual burn.
02:48It's real fire.
02:50Real fire.
02:51Apparently, the new builds in New York City can't have that anymore.
02:53It's got to be electric.
02:54But this is real fire, which is fun.
02:56And this is the extent to which we have storage for our dishes.
03:01So plates, cups, and then that leads into the living space.
03:07This, we do like to host.
03:09So this table is actually really cool because if you have more than like two people over, you can extend
03:15it, which is very fun.
03:17And then you just take that little piece, add it there.
03:20This is our beautiful wall full of stuff that we got from random places.
03:23This is our dog Mud Pie.
03:25So one thing you might not have noticed is this is where we store Mud Pie at night.
03:31This is where he sleeps.
03:31This is where he stays.
03:32It's a dog crate, but it didn't quite look like a dog crate.
03:35But it's real comfortable for him in there.
03:37We've got a 70-inch TV and next to it is my PS5 and a PC that I did buy
03:46pre-built, but I've been swapping out the parts with upgraded parts for a couple of years.
03:51So it's almost like I built it myself.
03:54And then this plant that's not a plant is actually a litter box.
03:58So it kind of blends in nicely.
04:00So out here we have the balcony.
04:05I got some storage back there.
04:07I have a bench here so that if you want to come out here, drink some coffee or something like
04:12that, do some work.
04:13It's nice and convenient.
04:15This is the grill.
04:16I've never used a grill.
04:18This is a brand new grill.
04:19So when it stops raining, hopefully I get to use that.
04:22And for the storage here, this is all of our random seasonal decorations, beach chairs, that kind of thing.
04:31We also have here in-unit washer and dryer and bags full of bags because you got to have that
04:38in an immigrant household.
04:40And then back here, my cat's food and water.
04:45So I have an automatic water fountain and an automatic feeder for him.
04:49And then through here, we have my office.
04:53So this is pretty much where I spend most of my time.
04:56I work from this office.
04:58This is my desk.
04:59I got the two screens set up with two laptops and a Mac Mini.
05:04One is my work laptop.
05:06One is my personal.
05:07And the Mac Mini is for mostly editing videos for my YouTube channel.
05:10And then I have this tablet that I got from my friend for like a hundred bucks.
05:13I use this if I want to like work, but also watch a YouTube video, but not on my laptop.
05:19Well, my work laptop specifically.
05:21This cute little thing is my girlfriend's laptop with little figurines on the top of it.
05:28And then this right here is just more storage.
05:32It's supposed to be like a nightstand, but it's also a refrigerator that normally I'll have like beverages in there
05:38that keep cool.
05:40And then this is a standing desk itself.
05:42This is a Logitech Herman Miller that was expensed by my company.
05:48And then over here is where I keep all of my camera gear specifically for my YouTube channel.
05:54So like I have my camera here.
05:55I have a Polaroid camera that I got from Japan.
05:58I have my stabilizer, some tripods, all that good stuff.
06:03And then on the shelves is pretty much just like art that me and my girlfriend like to collect.
06:08So like I collect these little figurines.
06:11They're a little bit expensive, though.
06:12Like they're like $20 each because they're all blind boxes.
06:16These are the rest of her Hironos.
06:18Remember, I did say these are like $20 each.
06:20So just imagine the investment here on that.
06:24And then there's this map right here that we've been filling out.
06:28So whenever we visit a country together, we'll scratch it off.
06:31Hopefully one day we can fill in every single continent.
06:34We'll see.
06:35And then through here, we have bedroom number two.
06:41Technically, this is number one.
06:41It's the master bedroom.
06:42So we got a giant king-size bed.
06:45This is my first time having a king-size bed because every time I've ever lived anywhere, I didn't have
06:49the master bedroom.
06:50And it was never this big.
06:52First king-size bed.
06:53You can sleep in any configuration you want.
06:56We got this beautiful vanity over here where my girlfriend does her makeup and all that good stuff.
07:00And then we have a bathroom in there.
07:03And we also have two closets.
07:05There's one here.
07:06This is mine.
07:07It's pretty shallow.
07:09Not much going on in there.
07:11Really messy, though.
07:13And then we have hers, which is like kind of a walk-in closet if you really look at it.
07:19But it's big.
07:20It's very nice.
07:21This is where she keeps all her stuff because she has 10 times the amount of things that I have.
07:25And that is pretty much the apartment.
07:28I was living in a two-bedroom, two-bathroom apartment in Flatbush in Brooklyn.
07:34But the rent there started at $4,100 and then it went up to $5,100.
07:43And at that point, it stopped making sense.
07:45And so I moved further down into Brooklyn where the prices were a little bit cheaper.
07:48In my opinion, if I had to decide on whether or not I'm actually getting value for everything that I'm
07:53paying for,
07:54I would say yes for the most part.
07:56Getting a two-bed, two-bath in Brooklyn, New York in 2026 for $34.50, it's nearly unheard of.
08:03So this is actually a really good deal.
08:05Mind you, parking is included in that.
08:07I was born and raised in Brooklyn, New York.
08:10Pretty much most of my family still lives here.
08:13Some of my family lives in Florida.
08:14I did spend some time down there living with them, too.
08:17And then I moved back.
08:19And ever since I've been back, I've had no desire to leave Brooklyn.
08:22Brooklyn, mostly because this is just, this is the part of the city that feels most like home to me.
08:27It's not as chaotic or as crowded as somewhere like Manhattan or Queens.
08:33But it still, it feels a little bit more modern and has a lot of niceties,
08:37like those little cafes, that little hole in the wall where you can get a pastry here and there.
08:43And it's all in all, always going to be my favorite bar, and that's why I've chosen to live here.
08:47It has been a little bit disheartening to see how the cost of living has raised over the years.
08:53Because I think ever since I became aware of finances, watching my family's first apartment go from $900 to my
09:01apartment now going up to $3,450.
09:03And even the one before this being almost like $5,100.
09:09It's kind of crazy because it's all in the same neighborhood or something similar.
09:14So, Brooklyn is home, and I hope it stays that way.
09:19Ideally, I'd love to buy one of those million-dollar houses in Kensington and raise my family there.
09:25So, maybe one day I'll start a company that makes me that amount of money and I can buy a
09:29home here.
09:30But until then, I'll be paying New York City rent just like everybody else.
09:35I now own a 2019 Subaru Outback.
09:39So, the 2021 Tesla Model 3 that I owned, I bought that car for about $60,000.
09:46I put a $20,000 down payment on it, so I had a loan for about $40,000.
09:50And so, when I traded that car in for the 2019 Subaru, there was like $5,000, $6,000 I
09:57had to pay in between to make that trade.
09:59And, uh, driving the Subaru now.
10:02My monthly car payment is $454 a month.
10:05And the insurance is $208 a month.
10:08The other expenses that come with that car are obviously the gas.
10:12That comes out to around $90 a month if I'm filling it up twice a month.
10:17And then, I do have a parking spot that I pay $200 for, but that's included in the rent.
10:22And then, $50 for MTA.
10:24For transportation, in Brooklyn, it's a little bit weird.
10:27Because if you want to go up or down, it's easy.
10:30You just hop on the nearest train.
10:32But if you want to go horizontally across Brooklyn, it's kind of a nightmare.
10:36You have to wait in either the hot sun or the freezing cold for a bus.
10:40And I'm not going to lie.
10:42I refuse to do that.
10:43And so, I have a car.
10:43I will use that car to drive around Brooklyn unless it's time to go into the city.
10:47And because I don't want to pay congestion pricing or almost $10 an hour for street parking,
10:54I'll typically take the train up to the city.
10:56And that's normally how I get around.
10:58So, I think transportation in New York City is cheap when you look at transportation anywhere else in the world.
11:05Like, I visited Japan earlier this year, and you have to pay based on how far you go.
11:11Whereas here, it's just $3 no matter how far you go.
11:14So, at my salary, that's not very much.
11:17But I do remember what it was like when I was making $10 an hour.
11:20It does add up.
11:22So, it's nice that we have, like, the weekly unlimiteds and the monthly unlimiteds.
11:27That helps a lot.
11:28And then, this city increasingly feels like it's trying to make owning a car expensive.
11:34I do understand that I could just not have a car.
11:37But then, that means I'm completely locked to New York City.
11:40So, if I wanted to go to New Jersey without having to take the PATH train,
11:44or to Pennsylvania, or to Boston, or Rhode Island,
11:47I wouldn't be able to do that unless I'm willing to pay exorbitant amounts for Amtrak.
11:52So, it's definitely on the more expensive side if you're taking or using anything other than the MTA subway.
12:03So, typically, for month to month, it's about $600 that I'm spending for food.
12:08And that's about $400 for grocery shopping and now $200 for eating out.
12:14So, over time, I found that, like, before, I would typically flippantly spend money on food
12:20just because I felt like I had a lot of it.
12:22And so, when I went to the grocery store, I would just sort of grab things at random
12:25and I would find that, well, now I'm missing this and that.
12:28And then, I'd go back and spend more money.
12:29Or, I would just eat out most of the time.
12:33Didn't really care very much about where I was eating from or what the prices were.
12:38Nowadays, I'm a lot more diligent about how I spend my money.
12:42And so, I'll have a fixed budget that I transfer into a spend account
12:46so that I can actually spend only that amount of money and be careful with it.
12:51And so, I'm back to the basics now.
12:54So, I just came back from grocery shopping.
12:57I got a couple of the classics, things you can find in any grocery store.
13:00Not things I would typically buy, but things that I just want to show you what it costs in New
13:06York City.
13:06So, we have some Wonder White Bread.
13:10I have 1.25 liters of Coca-Cola.
13:14Then, we have a gallon of milk.
13:18We have some rice.
13:21And then, we have a dozen eggs for $1.99.
13:26And the total for all of these items was $16.90 with added tax of $0.20.
13:34Okay, so, I'll show you what we normally do have.
13:37We typically try to plan out what we're going to eat a week in advance.
13:40So, this is where we'd write all of that.
13:43We don't have everything we need just yet, but I'll show you what we do have.
13:47So, we do like to make matcha at home.
13:49So, normally, we make that with some oat milk.
13:51And then, we like to keep our matcha chilled as well.
13:54And for a typical breakfast when I don't forget to eat breakfast,
13:57I'll normally just eat some yogurt with some blueberries
14:01and then maybe some granola that I have in another drawer somewhere.
14:04And then, if I get hungry for lunch,
14:06I'll typically make like a hot dog or something like that.
14:09And then, we just have some greens so that we don't feel like
14:12we're eating too many carbs or too many proteins without balancing it out.
14:16And then, in the freezer,
14:19we've got more greens, but frozen this time.
14:22So, green beans, more blueberries,
14:26fries for when you're hungry, but you don't quite feel like cooking.
14:30Some icees.
14:31This is how I've been curbing my snacking condition.
14:34I'll just pop a couple of these and I feel a little bit better.
14:37We got some burgers, more hot dogs, ice cream,
14:41bottle of tequila.
14:45That's pretty much what's in the fridge right now.
14:47And this is like pre-actual grocery shopping.
14:50And that's the fridge.
14:51So, my eating habits now are very different from what they were in the past.
14:55Before, I was very much an eat-out-every-single-day kind of guy
14:59because for one person, I found that grocery shopping and eating out
15:04is almost around the same price just because of how expensive food has gotten.
15:08But now that I'm in a relationship with my girlfriend,
15:11I've found that as we live together and as we shop together,
15:15cooking at home is a little bit more cheaper
15:18and a little bit more cost-effective
15:19because now the meals that we make can last us more than a couple of days
15:23rather than just you order something, you eat it right then and there,
15:27and then you do the same thing again tomorrow.
15:28Ordering for two on Uber Eats, very expensive.
15:31You will hit $100 faster than you think.
15:34One big thing that's changed over time
15:36is when I first started making six figures,
15:39I remember me and all my friends, we'd go out to eat
15:41and the first thing I do is say, guys, I got it.
15:45I put my card down and I pay for like 10 people.
15:48Back then, it felt really cool to do.
15:51Now, I go out to eat a lot less.
15:54I hang out with less friends
15:54because I know I've already set the trend of I'm picking up the tab
15:58and I don't want to do that anymore because it's super expensive.
16:01And dropping like $300 on a bill every couple of weeks,
16:05it starts to add up.
16:07So it's definitely changed a lot over time.
16:10So I do have a short but fun list of hobbies.
16:15The first and most expensive one is building out my passion project,
16:19which is openborrow.nyc.
16:21It's a civic dashboard for all of New Yorkers to be informed of local politics.
16:25So I think the total amount that I spend on openborrow.nyc
16:29is around $200 to $250, maybe even $300 sometimes
16:35for cloud code, which is $100 a month.
16:38And then I have hosting and analytics,
16:41which is $20, $10 respectively.
16:44And then sometimes I do these huge data polls
16:48because city data is all over the place.
16:50It's kind of expensive to do.
16:51That can run me up to $100 each instance,
16:54but I try not to do that more than once a month.
16:56So that's the total expenditure for that.
16:59And this is openborrow.
17:02So you can come here, choose your district.
17:04I'm not going to pick where I live
17:06because I don't want you to know that.
17:07I'll just pick this random spot right here.
17:10Then you get to see all of your representatives
17:11from your city council member all the way up to your senator.
17:15And then you'll come in here.
17:16You can find out what their score is,
17:19their participation, their legislative effectiveness,
17:22their activity, their attendance, their ethics record.
17:25You can get emails about what they're doing,
17:27how they're voting.
17:28And then you get an idea of what legislation has been passed.
17:31So you can share this.
17:33Or if you want to just go straight to the source,
17:35you can go here, which is what the city has provided,
17:39which is not as pretty to look at,
17:41which is why I decided to make this in the first place.
17:43And all this information is public.
17:45It's just spread out, difficult to put in one place.
17:49So you can get an understanding of what's actually going on.
17:51And that is what OpenBorrow is for.
17:55And then the next one is my YouTube channel,
17:57where I talk about the job that I do.
17:59So I make a lot of day in the life videos
18:01at Dose of Devi on YouTube.
18:03The upkeep is pretty cheap.
18:05I just have a couple of subscriptions
18:06to things like artless.io
18:08for stock footage and things of that nature.
18:10But I don't really spend much outside of that.
18:13And then after that, I do play a lot of video games.
18:16I used to play on PS5, but now I play on PC.
18:19So I think I estimate I've spent maybe
18:23$250, $300 in the last three years on video games,
18:27specifically for my PC.
18:29I do travel a lot, so that's a big interest of mine.
18:33So earlier this year, I went to Japan.
18:35I think that ran me about $2,500 to $3,000
18:39for a two-week trip out there.
18:41Also went to Brazil earlier this year.
18:44I went to a Bad Bunny concert that did cost a pretty penny,
18:47but it was worth every single penny, I'm not gonna lie.
18:50And I think that entire trip, including that concert,
18:53ran me about another $3,000.
18:56So I don't typically have like a hard and fast budget
18:59that I stick to when it comes to travel.
19:02I'm typically just looking at whatever's available
19:04during the time that I'm willing to go.
19:06And then if it's feasible based off the money I have,
19:09I take the deal and I go with it.
19:11And that's worth it for me.
19:13I do have a health insurance plan through my employer.
19:16It's a PPO plan and an FSA plan
19:18that come out to around $110 total.
19:21I do have a gym membership at Planet Fitness
19:24for about $40 a month,
19:26but I don't actually go
19:27because the building I live in now has a gym,
19:29so I typically will go there.
19:31But one day I'll get around to canceling that membership
19:34because it's a little too expensive.
19:36I did have a medical emergency that I had to address,
19:39which was getting two root canals and crowns as well.
19:42And that came out to about $1,600.
19:46I unfortunately wasn't able to use my health insurance for that
19:48because I had used it for previous dental work.
19:51So when it came down to having to get those crowns,
19:55that was out of pocket.
19:57So I lived in Florida with my dad
19:59for maybe four or five years
20:01and then I moved back here with my mom
20:03and I finished middle school, finished high school,
20:06graduated, went to college.
20:08And I was a physics major at City College
20:10for about three years
20:12before I started realizing
20:14that my experience there
20:15was starting to become unsustainable.
20:16I took out a loan for about $2,000
20:18because I was already working
20:20to pay for books and other expenses on the side.
20:24And that started to take a toll on my GPA.
20:27And as a result, I lost a merit scholarship
20:29that meant college was gonna get more expensive.
20:32And so past that point,
20:35I realized, okay, it's time to drop out
20:37and find something else.
20:38And that's when I found the Marcy Lab School.
20:40It was basically a year-long
20:42software engineering fellowship.
20:44Afterwards, I would get a job.
20:46And so I decided to drop out and do that.
20:48And I didn't tell my parents
20:49because naturally the last thing you wanna tell
20:52a bunch of Caribbean immigrants
20:53that came here specifically
20:55so that their future kids can have a better life
20:57is that you dropped out of college.
20:59The one thing they wanted you to do.
21:01And so I didn't tell anyone in my family
21:04that I dropped out,
21:04but I got my first job
21:07and I was making almost six figures
21:10in my first role out of that fellowship.
21:14And it did take,
21:15even then my mom was still like,
21:17oh, but you still need a degree.
21:18They'll probably pay you more.
21:19And that's not true.
21:20A degree, it's not worth its weight in salt anymore.
21:24Because nowadays it's not about what you know,
21:26it's about who you know.
21:27And so the Marcy Lab School taught me to leverage that
21:30to get this position
21:32and then eventually my next job.
21:34So I don't have any plans to go back to college.
21:37My plans are just to figure out
21:39how to make more money.
21:41So every month I try to save about 10% of my salary.
21:44So every month that comes out to about $700 plus.
21:48I also have a 401k with my company.
21:51Annually I'm saving about $15,900.
21:54It's a 4% employer match
21:56and I max it out at also 10% contribution.
22:00For the credit cards that I do have,
22:03I only have one that has an annual fee
22:04and it's my Amex Platinum.
22:06And that's about $695 a year.
22:10Back when I was at my peak spending
22:12and I was paying for everybody's dinner
22:14and going on these crazy trips
22:16and spending money on random things
22:17like an electric skateboard,
22:19I realized that I had racked up a lot of debt
22:22because I was spending more money than I had.
22:24And so I decided to basically take out
22:27a debt consolidation loan for about $30,000
22:32and basically just kill all of my cards.
22:35I didn't close all of them.
22:36I just have them there with empty balances
22:38and I just pay off that one loan.
22:40And every month that runs me about $947.
22:44So if I were to continue paying the credit cards
22:47instead of consolidating that debt,
22:49I would have been paying almost a 25% interest rate
22:51on each of those,
22:52whereas the debt consolidation loan is about 17%.
22:56So I'm paying way less interest overall.
22:58On that loan, I believe I have about two years left
23:01until it's completely paid off.
23:03I think the lessons I took away
23:05from racking up that debt
23:07was realizing that just because you make more money
23:11doesn't mean you have to spend more money.
23:13And so I kept fighting with this thing
23:15called lifestyle creep.
23:16So as I would make more money,
23:18I would incur more expenses.
23:19And so I had to realize that I have to strike a balance
23:22between what's necessary and what I want
23:24and keep it within what's feasible
23:27for the actual money that I have in my pocket.
23:30I will say because of the way that I was brought up,
23:34my relationship with money is a bit strained.
23:36I've never really been good at it
23:37because I've had to learn a lot of the skills
23:39for dealing with it on my own.
23:41So I didn't understand how things like a credit score worked
23:45or how loans worked
23:46or what it would even look like to buy a home
23:48because nobody in my family that I know of
23:51actually owns a home.
23:53Like I don't even think I know a homeowner directly
23:57other than my landlord and he owns this whole building.
24:00I am not super financially disciplined
24:03because I realized that I, as an individual,
24:08am not disciplined.
24:09And so the way that I work is I have to develop systems
24:12that do the work for me
24:13and that's how I've managed to create a budget
24:16and stick to it.
24:17So instead of doing the mental math of,
24:19okay, I have to have this one big account
24:22and I pay all my bills through that bank account
24:24and I have to calculate this phantom balance
24:26and manage that,
24:27what I do is I'd say,
24:29if my budget for food is $600,
24:31I take $600 and I put it in a separate bank account
24:34and that is all I have.
24:36Everything else does not exist.
24:38The savings account does not exist
24:39and I leave it alone
24:40because I do better when I put friction
24:43between me and my money.
24:44I currently don't have any savings goals
24:47outside of saving 10% of my salary,
24:49mostly because I realized
24:51that you can't save your way out of poverty
24:53and you definitely can't save your way into a house
24:56because the price of things is going up way,
24:59way faster than my wages are going up
25:01and everyone else's wages.
25:03And so for me, once I'm debt-free,
25:05I'm gonna continue to save,
25:07but a lot of the money I have,
25:08I'm gonna continue investing in myself
25:10and the ideas that I have
25:11in the hopes that that someday turns into something
25:13that can help me live my dreams.
25:15So I do actually intend to get married.
25:18I literally have a ring ready to propose
25:20and one of the things that I thought about
25:23was the tax benefits of actually getting married.
25:26It's something that I didn't think about
25:27until my best friend got married.
25:29We work at the same job, same position,
25:32almost identical salaries,
25:33and we go to the exact same tax professional
25:36to do our taxes.
25:37And so when he got married,
25:39I noticed that his tax return
25:40was almost double what mine was.
25:42And so I would say that that's definitely an incentive
25:45that I'm looking forward to when I get married.
25:49City-specific costs that I definitely do pay
25:52if it's a really unlucky day
25:54or if I really need to get somewhere
25:55is the tolls to go in and out of Manhattan
25:58in addition to congestion pricing.
26:01And if I am unlucky enough to have to go through Jersey,
26:05it's toll city.
26:06So that is also something to consider.
26:09And then there's also street parking.
26:12Depending on where you go,
26:13it can be anywhere between $1 to $5 an hour,
26:16sometimes more if you're in like
26:18a really high traffic, high business area.
26:20So if you're parking in your car
26:22to go get dinner in a certain neighborhood,
26:24that might run you $25, $30 on top
26:28of whatever you're paying for dinner that night.
26:31So what I notice is everyone I know who moves here
26:35and is also within my tax bracket,
26:37for whatever reason,
26:38they all want to live in Manhattan.
26:40And that is quite literally
26:42the most expensive part of the city to live in
26:45when there are much more like lively,
26:48fun neighborhoods to live in in the outer boroughs.
26:50So my one piece of advice would be
26:52explore outside of Manhattan
26:55because there's more to the city than just the city.
26:57If I had to decide whether or not
27:01living in New York is worth the amount of money
27:03you have to pay to live here,
27:04I think it depends almost entirely
27:06on who you are and what you're here for.
27:09If this is home,
27:10then I feel like the question is irrelevant.
27:12Everyone who lives here and grew up here
27:13is kind of just fighting to stay home.
27:16And everyone who's coming here,
27:17if you're not coming here
27:18with a certain level of grit and attitude,
27:22I don't know if it's worth it
27:24because you're pretty much just paying money
27:26to be where it's cool
27:27rather than chasing a dream like everybody else.
27:30Yo, yo, it's the web, ready?
27:35All right, so this...
27:36So let's see the embarrassing photo.
27:37Come on.
27:38This was back when...
27:39Well, the thing is...
27:40This is actually when we first met.
27:41Yeah, this is the day we met.
27:42I think this is exactly when we first met.
27:44They did a dance video
27:46for one of my friends' song.
27:51Did I do this first?
27:52Yeah, this is you right now.
27:54Oh, I'm dead.
27:55Ha ha ha!
27:56Ha ha ha!
27:58Yo, what is it?
28:00Right.
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