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Thanks to Monarch for partnering with me! Start your free trial and get 50% off your first year of total money clarity using my link https://monarchmoney.yt.link/VUZi77h or code dfm50. If $100K is “middle class,” why does it feel like so many people are barely staying afloat? In this video, I break down what middle-class actually means, where most households fall and—most importantly—what you can actually do if you’re making $100K or less. This isn’t about shame. It’s about clarity and better decisions from here on out. CHAPTERS 0:00 - 6-figures barely keeps up 0:45 - What middle class actually means 1:36 - Where most Americans fall 2:47 - How to make $40k stretch 4:12 - What it costs to live "comfortably" 7:00 - The 2020 price reset 7:36 - Immigration disruptions 10:58 - Solutions for $100k and below -------- 📊 READY TO BUDGET? Click here to purchase the Super Budget Template to get started! https://debtfreemillennials.com/super... -------- 🧢 Check out NEW merch in my shop! https://debtfreemillennials.com/merch/ -------- 👩🏻💻 Want your budget reviewed anonymously on my channel? Fill out the Google Form here - https://forms.gle/7RpbxEEUtoLayMx76 ------- 📒 I wrote a kids book and it's available on Amazon! Get your copy of Investing for Kids: 65 Activities about Saving, Growing, and Investing Your Money: https://amzn.to/3CRNkp1 -------- 💌 Sign up for the Debt Free Millennials FREE budget toolkit: https://www.debtfreemillennials.com/t... -------- 📝CHECK OUT THE SPEND MORE DEBT LESS WORKBOOK http://bit.ly/DFMworkbook -------- 🌟 My favorite money-saving app: FETCH REWARDS USE CODE WR367 TO RECEIVE FREE POINTS! https://fetchrewards.onelink.me/vvv3/... -------- 📱If you're paying more than $35/month for your cell phone, you're doing it wrong! Check out Mint Mobile (the cell phone carrier that I use, and keeps it budget-friendly!) - http://fbuy.me/ujCzy -------- 🚙 My favorite FREE car insurance quote comparison tool: EXPERIAN® FOR AUTO INSURANCE https://www.dpbolvw.net/click-1006035... -------- 🦋 Connect on Socials! 🔸 TikTok: / debtfreemillennials 🔸 Facebook Group: / debtfreemillennials 🔸 Instagram: / debtfreemillennials_ 🔸 Site: https://www.debtfreemillennials.com 🔴 Partner With Me - debtfreemillennials@creatorsagency.co 🎉 Who is Debt Free Millennials? Hi, I'm Justine! Consider me your millennial big sis when it comes to personal finance. We'll cover how to budget, save money, and finally pay off your debt (for good). Let's get you back to financial confidence that helps you crush debt and live a life with more fun and fewer payments. Glad you're here! Disclosure: Links contain affiliates. When you buy through one of my links, I will receive a commission. This is at no cost to you and helps support my channel!