Eleanor Finch
Money is a crucial aspect of various endeavours, from purchasing a house to generating income on YouTube. When it comes to buying a house, individuals are often advised to save around 25% of the sale price to cover the down payment, closing costs, and moving expenses. Closing costs typically range from 3% to 4% of the home's sale price. On the other hand, YouTube creators can monetise their content through ads, memberships, Super Chats, and Super Thanks. According to a case study, a creator earned about $2.89 per thousand views from ads and YouTube Premium, and their total earnings from all revenue streams were $158.58 with 49.7k views. Additionally, the United States has allocated significant funding to support Ukraine since Russia's invasion in February 2022, with $182.8 billion in emergency funding committed and $83.4 billion already disbursed as of March 2025.
| Characteristics | Values |
|---|---|
| How much money a person needs to buy a house | A good number to shoot for when saving for a house is 25% of the sale price to cover the down payment, closing costs, and moving expenses. For example, for a $300,000 house, one should save around $75,000. |
| How much money a YouTuber makes per view | A YouTuber earns about $2.89 per thousand views from ads and YouTube Premium, and about $3.19 per thousand views once all revenue is added. |
| How much money a person living paycheck to paycheck has | A person living "paycheck to paycheck" has little or no money for savings left over from their paycheck after covering their regular expenses. |
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What You'll Learn
How much money has my channel made on YouTube?
To find out how much money your YouTube channel has made, you can use a YouTube money calculator. These tools can provide an estimate of your earnings based on several factors, including the number of subscribers, views, and the level of engagement of your viewers.
To use a YouTube money calculator, you will typically need to enter the URL of your channel or a specific video. The calculator will then take into account various metrics, such as the total view count, the channel's establishment date, and the country of the channel, to estimate your earnings. Some calculators also allow you to estimate earnings based on daily video views or by entering the number of subscribers and views.
It is important to note that your earnings from YouTube may not always be consistent and can be impacted by various factors, such as the quality of your content, changes in YouTube's policies, and the seasonality of your content. Additionally, to monetise your channel and be eligible for the YouTube Partner Program, you will need to meet certain requirements, including a minimum of 1,000 subscribers and 4,000 watch hours in the last year.
By using a YouTube money calculator, you can gain valuable insights into your channel's performance and potential earnings, helping you to set realistic expectations and make informed decisions about your content and monetisation strategies.
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How much money has been saved for a house?
The amount of money that should be saved for a house depends on several factors, and there is no one-size-fits-all answer. However, there are some general guidelines and rules that can help you determine how much to save.
Firstly, it is recommended to save at least 20% to 25% of the home's sale price as a down payment. This will help you secure a better loan rate and avoid paying Private Mortgage Insurance (PMI). For example, if you're buying a $300,000 house, saving around $60,000 to $75,000 for the down payment is advisable. Additionally, first-time homebuyers should aim for at least a 5% down payment.
Secondly, closing costs typically range from 2% to 2.25% or 3% to 4% of the home's sale price, so you should factor this into your savings. For a $300,000 house, this could be around $6,000 to $12,000.
Thirdly, don't forget about moving expenses and other upfront costs. These can include hiring movers, purchasing boxes and tape, and buying essential items for the home, such as curtain rods and bath mats. It is recommended to have 3-6 months of typical expenses in an emergency fund to cover these costs.
Finally, your monthly payments, including mortgage, taxes, insurance, and HOA fees, should not exceed 25% to 28% of your take-home pay. This will ensure that you can comfortably afford the house and that it doesn't become a financial burden.
By considering these guidelines and seeking advice from a financial expert or lender, you can determine how much money you should save for a house based on your individual circumstances.
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How much money has been spent by the US government?
The amount of money spent by the US federal government varies from year to year. In 2020, the total federal budget was $7 trillion, much higher than in previous years, due to the government's response to the COVID-19 pandemic. In 2024, the federal government spent $6.9 trillion, amounting to 24% of the nation's gross domestic product (GDP).
Federal government spending can be divided into three categories: mandatory spending, discretionary spending, and interest on debt. Mandatory spending, which includes Social Security and Medicare, is required by law and is not subject to annual congressional appropriations. Discretionary spending funds things like education and defense and is subject to congressional appropriations each year. Interest on debt is the cost of debt from past borrowing and is not tied to specific programs or policies.
In 2024, mandatory spending accounted for 61% of the budget, while discretionary spending made up the remainder. Social Security received 22% of the federal budget, while Medicare received 14%. About 17.7% was spent on defense and veterans, and another 16.2% went to state and local governments. The federal government also made interest payments of $892 billion in 2024, or 13% of the budget, on the federal debt, which reached $25.9 trillion by the end of that year.
It is worth noting that federal spending does not always equal tax revenue, and the government may run a budget deficit or surplus. When the government spends more than it brings in, it borrows funds, creating debt. From 1980 to 2024, federal spending increased by 2.9 times, while the US population only increased by about 1.5 times. This means that the government is now spending more per person, on average.
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How much money has been earned from memberships?
The amount of money earned from memberships varies across different sectors and organisations. For example, membership in newsrooms is a relatively new model and revenue strategy. Non-profit organisations with membership programs can increase their earned income and sustainable recurring growth. For instance, Save the Children is a donation-based organisation with members who focus on the overall mission rather than expecting direct private benefits. On the other hand, an organisation like the Louvre needs to ensure that members' investments translate into personal benefits.
Memberships in the social sector are not focused on profit but on recurring revenue, which helps non-profits better fulfil their goals. For instance, member-driven newsrooms hold member-only events to deliver on their membership value proposition. These events can be costly, but newsrooms can get sponsors to offset the costs in exchange for marketing and branding opportunities. The San Antonio Report, for example, earned 7% of its 2019 revenue from event sponsorships.
Memberships in the online content space, such as YouTube, can also be a significant source of income. Typically, 1-2% of subscribers become members. So, with 100,000 subscribers, one could expect around 1,000 to 2,000 members. With 1,000 members, one could earn $4,990 per month before YouTube's 30% cut, resulting in $3,493 per month. With 500 members, one could earn $4,995 per month, resulting in $3,496.50 per month after YouTube's cut. With 200 members, one could earn $4,998 per month, resulting in $3,498.60 per month.
Membership fees for wholesale clubs, such as Costco, can also provide significant revenue. A basic membership at Costco costs $60 a year, while an Executive membership that offers 2% cashback on purchases costs $120 a year. Despite the fees, many people find value in shopping at Costco, especially if they spend more than $3,000 a year, making the Executive membership financially worthwhile.
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How much money has been saved for emergencies?
The amount of money that should be saved for emergencies depends on individual income and comfort level. Financial experts generally suggest setting aside three to six months' worth of living expenses in an emergency fund. This can help you weather a job loss, major unexpected bill, or other sudden expenses. However, in today's economic climate, this may not be practical advice for those living paycheck-to-paycheck or on unemployment.
It is recommended to keep emergency funds in a liquid account, such as a high-yield savings account, to ensure easy access to cash when needed. These accounts provide competitive interest rates and allow you to grow your balance. Money market accounts are also an option, typically offered by banks and credit unions, with higher minimum balance requirements and limited withdrawals. Certificates of deposit (CDs) may offer better rates than money market funds, but there are often penalties for early withdrawals.
To find extra money to save for emergencies, individuals can reassess their financial habits and consider making minimum payments on bills to free up cash. It is important to keep emergency savings separate from spending money and other types of savings to avoid using it unnecessarily. Additionally, borrowing to pay for an emergency may be necessary if you don't have sufficient financial reserves, but it's important to consider the potential consequences, especially when borrowing against your home.
According to Bankrate's 2025 Emergency Savings Report, Americans' savings have improved slightly from the previous year. In 2025, 27% of Americans reported having less savings than the year before, compared to 32% in 2024. However, 13% of Americans have no savings at all, and many are still struggling to save due to economic challenges such as high inflation and a slowing job market.
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