How can people possibly afford to live in one of the most expensive cities on the planet? It’s a question New Yorkers hear a lot, often delivered with a mix of awe, pity and confusion.

We surveyed hundreds of New Yorkers about how they spend, splurge and save. We found that many people — rich, poor or somewhere in between — live life as a series of small calculations that add up to one big question: What makes living in New York worth it?

Maruf Abubakari Sadick left Ghana for New York in April 2023, confident he was prepared for chilly weather.

When he arrived that morning, the temperatures were in the 50s. He might as well have arrived during a snowstorm.

“‘It’s really cold,’” he told his brother, who laughed and reminded him it wasn’t even winter. His brother brought him a warm jacket, sparking a love affair with outerwear, as well as clothes and colognes.

Three years later, these are the little luxuries on which Mr. Sadick splurges when he is not working two jobs as a security officer in the city.

“I really like to look good, and I like to smell good,” Mr. Sadick, 37, said. “I just tell myself ‘I work too hard. It’s self care.’”

Together, his security jobs bring in close to $46,000 a year, which pays for rent, remittances to his family in Ghana, Wi-Fi, his phone bill and groceries. At the end of the month, he squirrels away what he can so he can one day pay for nursing school.

His rent is $700 a month, which affords him a room in a four-bedroom, one-bathroom apartment in the East Bronx that he shares with two other men and one woman.

“Funny enough, we don’t have a schedule for the bathroom,” Mr. Sadick said. “It’s not easy.”

He buys a 30-pound bag of rice for $30 from the nearby bodega that lasts him about three months and a 40-pack of Poland Spring water for $20 so he can bring a bottle to work.

The housemates often share food, usually fish stews and okra soups that Mr. Sadick pours into a thermos, along with the rice, which he then takes to work. It helps him avoid paying for takeout which can cost more than $20.

Mr. Sadick said he learned quickly that to survive in New York, you need to share.

Two Jobs, Little Sleep

Mr. Sadick makes $17 an hour at both jobs, earning the current minimum wage in the city. By next year, he could be making at least $22.20 an hour, with two weeks of paid vacation and paid holidays.

The bump in pay is part of the Aland Etienne Safety and Security Act, a city law that Mayor Zohran Mamdani signed shortly after he took office that set a minimum wage for security guards. The law, which also requires employers to contribute to paid time off and health benefits, was named after the security officer who was fatally shot in July 2025 at 345 Park Avenue by a gunman who killed three others before killing himself.

Mr. Sadick did not know Mr. Etienne, but he said his death terrified him and other security officers, who realized how vulnerable they were at work.

The job “seems easy,” he said. “It seems quiet. Then, one moment, it’s all chaos.”

From Tuesday to Friday he works a four to eight-hour shift when he guards a sprawling office complex in Long Island City, Queens.

On weekends, he guards a drug and alcohol rehabilitation center in East Harlem from 8 a.m. to 4 p.m. When his shift ends, he takes the subway for a 40-minute commute back to the office complex in Queens, where he works 12-hour overnight shifts on Saturday and Sunday.

Three days a week he takes GED classes in the morning, which are free to state residents. Mondays are his one day off, which he uses “to make up for the two days that I don’t sleep,” Mr. Sadick said.

During the summers, when school is not in session, he tries to make some money selling bus tours to tourists around Times Square. On a good day, he will make $250 to $500 in commissions. On bad days, he will spend five hours in the heat with nothing to show for it.

He said he was exhausted, but driven to pursue a career in medicine.

“I like to take care of people,” he said.

Sending Help Home

A big part of Mr. Sadick’s salary goes to his family in Ghana. On average, he will send $500 a month to help pay for his parents’ food, his grandmother’s health aide and his sister’s schooling.

Last month, he sent a $1,200 so that his parents could buy two sheep. He sent the money through Taptap Send, an app that lets people send money to countries in Africa, Asia, the Caribbean and Latin America.

The sheep should provide enough meat to last them a couple of months, he said. His brother sent over $2,000 around the same time so that their extended family could buy a bull.

Sending money home is “expected,” Mr. Sadick said, adding that he feels “very good” about being able to help.

“We are brought up in a system where it’s all about family,” he said. “You are brought up to provide.”

Self-Care Is Worth the Splurge

When Mr. Sadick has extra money in his pocket, he will pop into Zara or Macy’s, where he shops for shoes, jackets and button-down shirts.

He has six bottles of cologne. His favorites are Al Rehab Lord Eau De Parfum and Mountain Woody Forest from Zara. The Al Rehab cologne, which sells for $10.95 an ounce on Amazon, is for daytime. He saves the Mountain Woody Forest — $74.99 on Amazon — for special occasions.

He owns 18 pairs of shoes, including red and white Air Jordans that he bought for $200 and a pair of brown, suede boots from Zara that cost $100.

“These are my favorites,” he said, stroking the soft Zara boots. “I look a bit professional in them.”

He is still trying to figure out what he will do when his salary goes up.

Most likely, he said he would keep working both jobs so that he could save more money. But he daydreams about quitting one of them.

It would be nice, Mr. Sadick said, to get more sleep, have time to play soccer and visit art museums.

What he would really like is more time to take long walks.

One of his favorite places to walk is Dumbo, where he worked briefly guarding a construction site and fell in love with the sweeping views of Manhattan and the cool breeze that comes off the water.

A place in Dumbo, he said, would be the ultimate indulgence.

“That would be a dream come true,” Mr. Sadick said. “It’s so nice there.”