– English Lyrics

Lyrics & Translation

[English]

[Music]

ah let's read some comments on my

apartment tour it's been a while i need

my reading glasses

for the same money i have a five bed

three and a half bath that's my monthly

mortgage payment i feel sorry for her

wow 1900 a month for glory i've got a

house in indiana that is five times wait

a gosh darn second

is new york city

expensive

[Music]

hello this is taylor i am a 24 year old

working and living here in new york city

specifically in the most expensive

borough of the mall manhattan wow i'm an

ex-management consultant and right now

working as a full-time youtuber that

being said i am starting another

corporate job in just a couple months so

i'm excited to be filming this video

right now while my expenses are a bit

higher and i'd say more interesting

anyway i have got some ground rules i

want to cover for this video but first

let's get started with day one

[Music]

oh

it's grabbing my breakfast bagel this is

how you know you're in new york this is

the highest price for a pack of

strawberries that i've ever seen

anywhere these corner stores in new york

also known as bodegas can really get you

they're super convenient but typically

extremely expensive i don't recommend

buying groceries in bulk at places like

this sometimes i'll come down i'll get

my breakfast bagels here and some other

things that are affordable like no

matter where you go like a loaf of bread

but yeah you're definitely paying for

convenience with corner markets like

this

[Music]

thank you so much

[Music]

and now for a late night snack

tried and true i said i wasn't gonna

change my behavior for this video

peanut butter jelly

friendly reminder that pb js are

delicious by the way

[Music]

so good all right a couple ground rules

for this video because i'm taking it

probably a little too seriously round

rule number one we are going to

calculate my expenses using accrual

basis accounting meaning we will

recognize my expenses once they are

consumed i'm doing it this way because i

watch a ton of these what i spend in a

week videos and a bunch of people will

go out to let's say costco buy a ton of

food in bulk it'll cost them 500 bucks

great way to save money by the way but

i'm always like you just bought a

month's worth of groceries you do not

spend that every single week and in this

video i'm aiming to get as accurate a

picture as possible into what i spend on

average every single week so using

accrual basis accounting i will only

count the expenses once they're

officially consumed so using that

example i would not count that whole

costco bill i would only count the

portion of it that i consumed this week

does that make sense ground rule number

two no cheating i did not change my

spending behavior whatsoever for the

sake of this video somewhat to my dismay

after watching the footage back but

final ground rule i won't go so far as

to adjust my expenses in the case of an

irregular purchase but i will flag it to

you if i buy something that i would not

normally buy on a weekly basis and

there's a big one in this video you'll

see all right now that i have formalized

this video concept to the point of

boring my entire audience let's continue

before you click off shall we

hello guys day two right now i'm walking

to a coffee shop to meet one of my

friends who's actually a youtuber you

guys probably know him and we are going

to the coffee shop that screams new york

blogger more than any other coffee shop

and you guys may or may not be wondering

maybe you don't know this about me but i

actually do live a very frugal lifestyle

for new york standards it's all relative

so you might be wondering taylor what do

you think of these five six seven dollar

coffees i do have thoughts on them we're

gonna get into it but first let's go buy

one

and then we'll talk about it you can

tell it's gonna be hot today it's very

balmy already and it's only 10 am

snipes

[Music]

all right just got coffee what's up guys

you guys probably know him new york city

aficionado thank you yeah we just had

some good coffee talking youtube talking

finance talking life it's got a lot of

exciting things ahead of time

okay so what do i think of going out to

buy coffee i think you should smash the

like button for zero dollars okay

actually going out to buy coffee is an

expense that gets talked about a lot

within the personal finance sphere and i

get it you know it does add up but even

if you're buying one every single day it

is typically not a major expense

compared to housing or transportation

for most people i mean that's obvious my

point is if you want to make a real dent

in cutting down on expenses i would

start with those two categories to the

extent that you can nonetheless i get

why it's a hot fun issue so here are my

thoughts on going out to buy coffee i

typically do not do it but when i do i

see it as paying rent to be at that

coffee shop but what do i even mean by

that so when i go out to buy coffee it's

always for one of two reasons the first

reason is if i'm out and about on the

town or i'm going out to meet a friend

to catch up talk life talk business

whatever it is usually that's at a

coffee shop in which case of course i'm

gonna buy a coffee at that cafe you know

i'm not gonna bring coffee that i made

from home to a coffee shop it'd be kind

of weird the second reason is if i leave

my lovely home office my apartment here

and go elsewhere to get work done

because i usually am more productive

when i switch up my environment to get

work done elsewhere then i will buy a

coffee at that coffee shop which i

really see as paying rent to sit there

and work for several hours and even

still when i buy them i tend to avoid

the super expensive artisanal coffee

spots because it yeah it hurts my soul

to pay anything even close to six or

seven dollars for coffee i also think

that's ridiculous and the value

proposition is just not there for me

like blue bottle where i just met brett

i admittedly love the taste of that

coffee which is why i go every now and

then but that really is a treat my go-to

coffee shop where i get a lot of work

done is a place where the drip coffee is

three dollars and twenty cents which you

know still probably a high margin for a

drip coffee but it doesn't hurt my soul

to cough up three dollars and twenty

cents compared to a six or seven dollar

latte so that's when i do buy them but

every other time when i'm just working

from home i make my own coffee lately

i've been meeting a lot more people like

other content creators so i've just been

going out for coffee more often it's

also summertime so i'm just out more

conclusion here i don't think it's bad

to buy a coffee if it means you're

getting out of the house being

productive or meeting up with a friend

if you're just working from home though

i say just make your own that's my rule

of thumb but depends on your disposable

income and what you value anyway

speaking of buying coffee

[Music]

okay i did not need another coffee i

really didn't but i kind of see this as

paying rent to sit here and work for a

couple hours so anyway now talking about

irregular expenses i'm going to get my

hair cut we're going to talk about what

i think about expensive haircuts but it

is an irregularity i do it like

once

maybe twice a year you can see it's it's

gotten quite long

all right in route

city bikes one of the best ways to get

around the city just gotta be careful

probably not a good idea to film at the

same time

[Applause]

[Music]

cut for the first time in a minute she

did an amazing job if i may say so

myself anyway that was expensive or

expensive compared to

the things i usually spend my money on

it was 129 and then on top of that a tip

so it's coming out to this much but yeah

a good haircut it is something i

splurged on i'm not gonna lie i have got

my hair messed up a couple times going

to just super cheap places i know that's

not always the case you just have to

find the right person but um

i don't know once i got a little bit of

an expensive haircut i never went back

so what can i say

well hello eddie taylor here popping up

for just one minute to thank today's

sponsor acorns for those who have not

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life acorns is known to many for its

roundup feature which allows people to

round up each and every purchase to the

next dollar and invest that spare change

without even thinking about it for

example if you go out and buy an

overpriced coffee like i have a few

times this week for four dollars and

fifty cents acorns will round that up to

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feature though acorns also has smart

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life and that's what i love about it you

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it's great for beginners and for passive

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link in my description for a 10 sign up

bonus investment and thank you acorns

for sponsoring this video just got back

from my haircut

i like it and i realized oh wait i

should probably eat something i got

hungry so anyway i'm not a nutritionist

obviously i say this because when things

get really really busy i skip meals it's

just kind of the first thing to go don't

do what i do it's not a good thing but

when i do eat i always get something or

not always i do try to

most the time get something fairly

substantial so you might say oh taylor

that's a salad normally i'd agree with

you however when i get salads i do try

to get at least three sources of protein

in there so i get it packed with chicken

mozzarella balls and garbanzo beans so

it actually sticks with me for a while

when i get a salad from sweet green i

also add quinoa to try to get some

complex carbs in there again not a

nutritionist but when i eat i do try my

best to make sure it's something that

sticks with me because that way if i do

end up skipping a meal it's not like

the worst thing ever i'm lucky in that i

don't get tired of eating the same exact

thing

[Music]

all right guys i just sat my booty in

this chair for seven hours straight all

right i rambled a bit here but i did

make an important point while filming

this video i had just got back from a

ton of travel i went to tel aviv and

egypt and amsterdam and usually when i

do a ton of traveling i just fall out of

my good habits in this case i didn't

have any real groceries in the fridge to

cook for myself aside from a few snacks

such as how to longer shelf life so i'm

just flagging that i know that my eating

habits in this video are whack normally

i cook for myself a lot more and it's

typically pretty healthy food but yeah i

also don't stick to three square meals

every single day i just eat when i get

hungry

[Music]

taylor here this is my friend

today we spent how much on this it's

almost twenty dollars for new york city

coffee

a little excessive on the real five

dollars and 72 cents for these two

things not too bad

i've done worse yeah i'm just ten dollar

coffee but the solution to this problem

is

make a lot of money

yes we're working on it so make sure to

subscribe so that way she can make more

money and buy more coffee

making a smoothie good way to get some

good nutrients in and

yep

a lot of bananas

[Music]

[Music]

at this point you might be wondering

taylor are you optimizing for taste

no i'm not i will add a little agave to

make it more sweet though and this will

help

well just found out this was completely

leaking

in my pantry that's that's just great

these tastes good

also i would put athletic greens in

there but this has enough of a taste

where it would overpower it a little bit

so

i'm not gonna do that

and that's it just kidding

[Music]

pretty good accent all right i just

filmed for two hours straight with a

little break in between so now i'm

hungry and i'm meeting a friend for a

drink in like

45 minutes so i need to eat i'm gonna

get my uge bet you can guess what it is

you guessed it the same exact salad

cajun chicken garbanzos mozzarella

tomatoes i'm a big fan 9.53

all right not using my gimbal so it's a

little shaky but

finished that salad

it was good now i'm going to meet my

friend 1000 yards for a drink

what's cooking good looking

look at you all suited up are you

impressed by my fashion very good i have

the same olders hey guys this is my

friend david what's up turtle gang

getting drinks david was an investment

banker now he's in private equity also

an ivy league swimmer and a dj you're

actually pretty cool

i try goodbye david

[Music]

hello it is

12 38 a.m i've been editing for

hours this is a long video

too long not this one but the one i'm

editing anyway got hungry again

and i'm a child but another pb j i got a

cheese stick that is something that i

actually had on hand i like my cheese

sticks i don't peel them like string

cheese i just bite them because i like

to be efficient and then i have a few

carrots left and hummus so i'm excited

to eat my childish little snack here

that it looks like a kindergartener's

lunchbox

good morning turtle gang day four i just

got up

i'm not wearing pants

but you can't say anything only second

day of making coffee at home i told you

guys i would flag too if anything in

this video was irregular and me going

out to get as many coffees as i have

this week is irregular i swear but yeah

those coffees happen because i'm meeting

new creators and meeting new people in

the city and that's just kind of a way

for us to to get together which makes

sense but anyway i just went on

instagram live for over an hour while

sipping my

i don't know how much this costs i'll do

the calculations afterwards cost this

much

coffee and uh it was so much fun follow

me on instagram if you're not at tay k

bell that way you can actually ask me

questions live and we can get to know

each other a little bit better but um

yeah i'm gonna do it more often that was

super fun anyway follow me over there

all right for the rest of the day i have

a uh

not an event but a thing at a friend's

house later at like 6 p.m and until then

i'm going to edit

that's it i'm just going to edit and

then i will eat lunch when i get hungry

got myself a hot steamy sandwich okey

dokey i edited until my computer died

and then i realized i was hungry it's a

good time i almost got that same salad

in fact had i not been filming this

video

i might have

but you guys inspire me

indirectly to get something ever so

slightly different i got this um

italiano sandwich it's really good i've

had it before it's filling too it's like

packed with chicken okay so like i

mentioned earlier i'm going to a

friend's thing tonight and there will be

food at that event so i won't have to

pay for that and i wondered should i

normalize that by saying i normally

don't have my dinners paid for but when

i think about it it happens probably

once a week where i end up going to

something where there's food so

i'm not gonna i'm not gonna normalize

that expense okay next expense is the

lift that i'm gonna take to this event

that i just got dressed for and normally

i would walk because it is close enough

but it's super hot and humid i don't

feel like being sweaty by the time i get

there and it's in times like these where

i just take the extra time to do some

more editing call an uber

don't show up sweaty it's just a nice

luxury to have sometimes anyway here's

my outfit i don't know if you care kinda

looks like a high-end dermatologist

that's that's what i feel like i look

like

[Music]

so this is something else i definitely

splurge on a bit and that is ubers we'll

talk about this more at the end but i do

definitely walk subway or bike as often

as possible but when it's a matter of

prioritizing my safety like taking a

subway or walking by myself late at

night i definitely just pay for the uber

and sometimes i take it if i want to

prioritize convenience as well but we'll

talk more about it at the end got home

from the event it was a lot of fun you

guys know the drill took a shower and

now midnight snack poo all of this

together is about this much and if

you're curious no i don't eat the hummus

by itself i dip the cheese stick in it i

don't know if that's much better than

eating it by itself but uh

anyway day five that'll be 30 000

all right already finished it but had a

breakfast bagel got a couple buddies

here what'd you get

just a buddy

look what we have over here yeah i got a

i got myself a cola brew nice excellent

choice

[Music]

hello guys it is day five today's a

friday but get this days one through

four that you've already seen it were

last week i filmed monday tuesday

wednesday thursday and then i had a

four-day wedding extravaganza for one of

my close friends on friday through

monday and my expenses on those four

days were just 100 abnormal so just

decided not to film it because it would

not be an accurate look into a typical

turtle week so i actually have not had

this salad in like a week even though to

you guys it might seem like i had it

yesterday and i missed my salad i missed

it so much i'm so happy to be with it

again

[Music]

the day has come i finally bought

protrudes i figure i've been here long

enough from all the traveling where just

my routines are totally messed up and i

don't want to live off that salad

anymore so i actually bought food but as

discussed i'm not counting the expenses

until they are

consumed i'll show you guys what i got

so you can see what i actually buy when

i do have good habits and buy groceries

okay rapid fire milk for my overnight

oats carrots strawberries these go hand

in hand sandwich bread and blackberry

jam because i love me a good peanut

butter and jelly sandwich penne pasta i

like to eat this with my chicken

speaking of which chicken cucumbers

bananas the problem with ordering

groceries online because i do like to

order from amazon fresh just because

it's free with a prime account and blah

blah is you can't pick

you can't pick the bananas and most

people i would think have a very

particular shade of yellow that they

like i don't like any brown spots at all

only one of them is a little bruise the

rests are they're okay they will do and

if i don't finish them in time i always

freeze them for my smoothie so they

never go to waste chips and salsa i like

to have this as a salty snack and the

holy trinity tomatoes basil

mozzarella if i don't finish all this

basil before it starts to wilt i also

freeze the basil i put it in little ice

cube trays and fill it up with water and

then it's like a little flavor cube for

when i cook my chicken

and that's it still gonna hold off on

lunch for a while but coffee from home

let's edit

[Music]

god hungry it feels good to eat like a

human again i made myself a fat peanut

butter and jelly i really slapped on the

really slapped a thick layer of jelly

and peanut butter on there got a chobani

yogurt strawberry banana

little e-bike to my dinner destination

great place to bike am i right

as per usual i forgot to film but we

just had how many tacos eight we got

eight three tacos delicious we're at a

place near the empire state building we

got a

a marg jug

it costs this much for my portion i'm

going to calculate it afterwards

[Music]

well welcome to the chocolate bars where

one bar

leads to another let's go

[Music]

thank you

[Music]

we did not know this guy

[Music]

midnight snacky poo carrots

big fan

hello happy sunday

i just posted my journey to 100 000

subscribers video and

it's such a weird feeling after every

upload like a mixture of adrenaline but

also relief and i don't know it's hard

to describe but anyway the weather

outside is actually very very lovely i

say actually because it's been really

hot and today it's not that hot it's

nice i'm gonna go get a bagel downstairs

even though yes i have food at home i

just need an excuse to get outside so i

ended up getting a little coffee

and a bagel little treat to myself after

posting my video and i know i'm getting

coffee with a friend in just a little

bit too so that'll be another coffee but

uh

oopsie

[Music]

and it looks like i waited until day

seven at night time to finally get some

good eating habits aka we're gonna

actually cook dinner chicky chicky you

know i might do something a little fancy

it might do a little caprese salad on

the side i've only left myself this many

tomatoes because i just i keep them up

here and then i come and eat a few of

them every time i come in the kitchen so

it's not gonna be much of a salad but

we'll do what we can okay dinner

complete it's a chicken tenderloin

seasoned it with a bunch of good stuff

look a pricey salad all right let's add

it up excel on the mac sucks okay

everything you saw in this video

including the haircut

was

419.45 but i can't help myself i think

it's only fair to adjust that haircut

because it's such an outlier so i'm

going to amortize it over six months so

now that's 5.87 per week for the

bi-annual haircut and what else i don't

usually buy this many coffees but

whatever i'm not gonna adjust that and

normally i cook for myself a bit more

but i'm not gonna adjust that either

okay so the haircut's really the only

major outlier here so on an adjusted

basis that is 272.32

for the week but you don't think i'd

forget to add my rent to this did you

silly head i pay 18.75 per month in rent

and to reiterate to those who have not

seen my apartment tour video this is a

large one-bedroom apartment that costs a

net effective 3 600 per month i live

with one of my best friends from college

we put up a flex wall to make it into a

two bedroom apartment and my portion is

one thousand eight hundred and seventy

five dollars per month which is four

hundred and thirty dollars per week then

she and i of course split internet and

utilities my portion for internet is

twenty five dollars per month so 5.75

cents per week and my portion for

electric utilities average is about 35

dollars per month so that's about eight

dollars per week really not bad and my

building supplies water which i think is

the case for every apartment in new york

city so anyway with rent utilities and

internet i pay 444 dollars per week to

live here and that is really not bad for

a luxury high-rise apartment in

manhattan i also use the gym in my

building that's why there's no gym

membership expense in this video and

there are a few other things i'm just

not going to add in like they're not

going to make a substantial difference

but i do have some subscriptions

although not very many i will say right

now i'm paying a decent amount for

health insurance but my company is going

to cover that once i start my job and

they will also cover my phone bill so

long as i use my personal phone as my

company phone which i definitely plan to

do so all right so my adjusted expenses

of 272 dollars and 32 cents per week

plus my living expenses of 444 dollars

per week comes out to a grand total of

716. and seven cents and i just did a

quick calculation to see the category

breakdown so housing which i'm counting

as my rent internet and electric that's

62 of my total um expenditure food and

drinks and i'm including real like

sustenance food as well as drinks like

going out to to get cocktails and stuff

like that marshmallow one that's 24 of

my total expenditure transportation

which for me is uber's lifts and city

bike 13

and then other which was only my

amortized haircut is one percent

interesting checks out so what are my

thoughts on this number well if it's not

clear by now new york city is a very

expensive place to live it is the most

expensive city in the u.s in fact but

paying to live in a city like this

certainly has its professional and

social benefits but i can tell you more

about that in the future so long story

short this number does not surprise me

in fact it's actually lower than i

expected and considering that's

including rent and utilities and all

that good stuff i'm pretty happy with

this number and i'm very mindful about

the things that i choose to splurge on

and the areas where i'd like to save

money some examples you saw in this

video i will splurge on things like

ubers not only for safety purposes if

it's late at night but also for

convenience like if i'm going to an

event and it's super hot and humid

outside and i just would rather not show

up super sweaty i will just pay for the

uber and then dinners in new york city

can be super expensive as well like even

that taco place i went to with my

friends came out to like what 41 which

is pretty standard in new york if you're

getting a drink with dinner as well and

you're not at like chipotle but i'm

happy to pay that once or twice a week

to have a fun dinner with friends

meanwhile i save a lot of money on rent

by putting that flex wall up with my

roommate and generally i just don't tend

to buy things that i don't need like i

don't really enjoy shopping for instance

unless i'm looking for something

specific

okay i didn't need this turtle but he's

gonna be an easter egg in every video

from here on out so keep an eye out for

him so as long as i'm investing a large

percentage of my income saving a lot and

living well below my means which i am i

am a happy camper like and subscribe if

you made it this far and until next time

turtle out

what's up wait a gosh darn second

i just want to buy a coffee you know i'm

a new yorker now i need longer nails for

this

it's honestly hopefully you can't see

that i'm not wearing pants

[Music]

Key Vocabulary

Vocabulary	Meanings
expensive /ɪkˈspensɪv/ A2	adjective - costing a lot of money
groceries /ˈɡroʊsəriz/ A2	noun - food and other items sold in a supermarket
mortgage /ˈmɔːrɡɪdʒ/ B2	noun - an agreement that allows you to borrow money from a bank or similar organization in order to buy a house
expenses /ɪkˈspensɪz/ B1	noun - money spent
rent /rent/ A2	noun - a fixed amount of money that you pay regularly for the use of a room, house, etc. verb - to pay or receive a fixed amount of money for the use of a room, house, car, etc.
calculate /ˈkælkjuleɪt/ B2	verb - to discover something by using numbers or data
afford /əˈfɔːrd/ B1	verb - to have enough money to buy or do something
splurge /splɜːrdʒ/ C1	verb - to spend a lot of money
invest /ɪnˈvest/ B2	verb - to put money into something in order to try to earn more money
budget /ˈbʌdʒɪt/ B1	noun - an amount of money available for spending that is based on a plan for how it will be spent
finance /ˈfaɪnæns/ B2	noun - the management of money, especially by governments or large companies
luxury /ˈlʌkʃəri/ B2	noun - great comfort, especially as provided by expensive and beautiful things adjective - very comfortable and expensive
utilities /juːˈtɪlətiz/ B2	noun - a public service such as water, gas, or electricity
consume /kənˈsuːm/ B2	verb - to use fuel, energy, or time, especially in large amounts verb - to eat or drink
convenient /kənˈviːniənt/ B1	adjective - easy to use or suiting your plans well