New York
How a Florist Lives on $23,000 a Year in Ditmas Park, Brooklyn
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?
Ever since she was a child growing up in Guilford, Conn., Molly Culver wanted to live in New York City, “come hell or high water,” as she remembers it.
She was never under any illusion that it would be easy, but for years, she was managing well. She spent nearly a decade running an urban farm, teaching classes on farming and growing her floral business, which meant she was bringing in about $50,000 a year.
A few years ago, Ms. Culver, 44, turned her floral business, Molly Oliver Flowers, into a full-time job.
She sells flowers sourced from nearby farms for events, and also runs a subscription service in which customers sign up for weekly flower deliveries. When weddings and parties started back up after the Covid pandemic, she was able to pay herself as much as $62,000 before taxes one year. But then the economy soured, and clients pulled back on nonessentials.
Last year, Ms. Culver put nearly all the money she earned back into her business. She paid herself a salary of about $23,000 and took roughly $22,000 from her savings, more than half of her nest egg, to stay afloat.
Priced out of the housing market
After the pandemic, Ms. Culver was newly single and no longer splitting rent with her former partner. She soon realized she could no longer afford to pay market rent.
As she searched for housing, she said, “I was looking for the miracle that only happens through word of mouth in this city.”
First, Ms. Culver spent a few years renting a 150-square-foot room with a twin bed in a friend’s home for $40 a night, which did not include cooking privileges. (She typically spent a few nights a week there, and the rest of the week at her mother’s house in Connecticut.)
Last year, after her friend said she needed the room back, a different friend mentioned she had a spare room to rent out in her home in Ditmas Park, Brooklyn.
It was $600 a month, more than Ms. Culver was used to paying, but much cheaper than anything else she could find.
Ms. Culver’s housing setup shows what it takes for many people to afford housing in New York: The family that owns the home lives downstairs with their two small children. Ms. Culver and three other tenants rent rooms on the two top floors.
The group often gathers for Shabbat dinners on Friday nights, and Ms. Culver said the “funky” configuration has helped her accept a different version of life in New York City than she once thought she’d have.
“I’ve come to let go of that perfectionist idea of what home, success and happiness looks like,” she said. “That’s totally changed the game for me.”
In her new home, Ms. Culver has an induction burner, a sink and a microwave on a landing outside her bedroom. She shops for food at the nearby Flatbush food co-op and keeps her grocery bill to about $100 a week.
Spending half the week outside the city
Ms. Culver often spends a few nights a week in her childhood bedroom in Connecticut, where she helps her mother around the house and looks after her two cats, adopted from the streets of Brooklyn.
She bought a used Prius, with a car payment of about $270 a month, which she uses to shuttle between the city and her mother’s home.
Ms. Culver wonders from time to time whether it would be easier to do her job in a smaller, less expensive city, but she keeps running up against the same problem: How would she find success selling her floral arrangements in a less dense, less wealthy market? And then there are the relationships with the farmers, venues and clients she has spent years cultivating.
“Multiple things can be true at once: I love New York, I love my job and I wish rent was still at prepandemic levels,” she said.
“If the only people who can afford to pursue a dream are very wealthy,” she said, “what does New York become?”
Ms. Culver understands the trade-offs that come with doing something you love that doesn’t generate a lot of money, so she invests most of her money into her company.
She recently found a new floral studio with room for a professional cooler for flowers, which cost $10,000.
She signed a seven-year lease to keep the rent down, and brought in two studiomates, but still had to put $20,000 toward moving in, including a $15,000 security deposit. Her share of the rent is $2,800 a month.
Learning to live on a budget
Ms. Culver has never had a gym membership in New York City, opting for long walks in Prospect Park for exercise. She does not shop for clothes unless her winter boots or coat are really falling apart.
She does not need to live like the younger New Yorkers she sees on her Instagram feed, determined to live an extravagant life in an expensive city.
Ms. Culver loves the city’s museums, but typically visits them only a few times a year, when there’s an exhibition she really wants to see. She eats out with friends occasionally, which she sees as an investment in holding onto those relationships.
Her goal is to one day make her business successful enough that she could take home $75,000 a year, her dream salary.
But for now, Ms. Culver said, “I’m just another person trying to make it work.”
We want to hear from you about how you afford life in one of the most expensive cities in the world. We’re looking to speak with people of all income ranges, with all kinds of living situations and professions.
new video loaded: Protesters Clash with Federal Agents Outside ICE Detention Center in New Jersey
transcript
transcript
Protesters Clash with Federal Agents Outside ICE Detention Center in New Jersey
Protesters and immigration agents clashed outside Delaney Hall detention center in Newark, where activists have gathered for days to denounce conditions inside.
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“Get back!” “Get back, get back, get back, get back, get back!” [chanting] “ICE, ICE has got to go. Hey, hey, ho, ho.” “We’ve heard repeatedly about these horror stories of pregnant women not getting access to care, of people with injuries not being treated. People shouldn’t have to starve themselves to make their dignity known.” “Down, down with the degradation.” “Down, down with the degradation.”
By Christina Kelso
May 28, 2026
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?
Ellen Hagan grew up in a small town in Kentucky, and moved to New York City as quickly as she could after she graduated from college. She arrived a few weeks before Sept. 11, and tried to get her bearings in a city turned upside down.
She found a group of fellow young artists and writers who wanted to take advantage of everything they could in the city, on very limited budgets. They went to poetry readings and dance parties, and rented tiny apartments in the East Village.
All the while, Ms. Hagan was diligent about saving money, even when she had very little of it.
“I didn’t know what I was saving for, but I knew I wasn’t going to have a job that would give me a pension,” she said. “I wanted to make enough money to live the New York existence I was dreaming of.”
Twenty-five years later, Ms. Hagan and her husband, David Flores, whom she started dating in her early years in New York, have much more money than they used to. Still, they feel more anxious about money than they hoped they would at this point in their lives.
The couple both work at DreamYard, a Bronx arts nonprofit. Last year, they made $178,135 there collectively, with Ms. Hagan, 47, directing the poetry and theater programs, and Mr. Flores, also 47, serving as the head of visual art and design.
They typically bring in another $40,000 to $60,000 a year through their freelance work. Mr. Flores is an adjunct professor, a photographer and a filmmaker, and Ms. Hagan teaches at a graduate writing program and writes books and poetry. They try to set aside about 15 percent of their income each year to grow their savings.
The couple live in Washington Heights in Upper Manhattan with their two daughters, who are 12 and 15.
Homeownership Doesn’t Solve Everything
As a young couple, Ms. Hagan and Mr. Flores lived in a 400-square-foot East Village rental. When their rent started to tick up, Ms. Hagan began looking for a place to buy, seeing homeownership as a buoy that would all but guarantee a secure financial life in New York.
Sixteen years ago, the couple found a perfect apartment in Washington Heights and scrambled to cobble together a down payment. They pooled their savings to put a 15 percent down payment on the $335,000 home. Once they closed, they were left with only a few hundred dollars in savings, but were thrilled and relieved.
“I had this sense that when you buy, you’re set in New York City,” Ms. Hagan said.
The reality, she has found, is more complicated.
The couple’s mortgage payment is $1,300 a month, and their maintenance fees keep rising, partially as a result of a new local law that requires increased inspections and repairs for buildings. Local Law 11 boosted their maintenance by $462 a month, at least temporarily, to about $1,900 total. And when the building’s management installed a new security system, each unit had to chip in $95 a month for three months.
Ms. Hagan loves the apartment, but she worries that they may eventually be priced out of their neighborhood.
“This building isn’t going to be for us at some point,” she said. “This feels like, uh oh, they’re imagining people who have much higher incomes than we do.”
Keeping the Kids Busy
Ms. Hagan and Mr. Flores, who each maintain packed calendars, have encouraged their daughters to adopt the same approach to city living.
“I’m definitely a proponent of, let’s fill your schedule and see what you love,” Ms. Hagan said.
The girls’ public school offers free debate and band classes before and after school, and they’ll appear this spring in the school’s productions of “Annie” and “The Addams Family.”
The girls are also enrolled in a free theater academy at the People’s Theatre and writing workshops at Uptown Stories, which has a pay-what-you-can system. Ms. Hagan and Mr. Flores typically pay the full tuition, which is $800 for each 12-week session, and donate about $2,500 a year to the organizations their daughters are part of.
The couple’s older daughter, Araceli, who wants to be both a writer and a doctor, is enrolled in a medical training program for middle and high school students. She made $2,500 for completing an internship at a cardiothoracic intensive care unit last summer.
Their younger daughter, Miriam, is going to a Y.M.C.A. camp this summer, which costs $2,600 for two weeks.
Ms. Hagan and Mr. Flores spent about $500 total on holiday gifts for both girls, and the couple doles out their daughters’ weekly allowances in two installments: $25 on Mondays and $25 on Fridays.
They shook their heads when Miriam, who is known as the most stylish member of the family, came home one day wearing a Dr Pepper T-shirt she’d bought at Target.
“We were like, ‘What are you doing with your money?’” Ms. Hagan said.
The Fun Stuff
The extra income from the couple’s freelance work allows the family to splurge on theater, vacations, books and memberships at the Museum of Modern Art and the Whitney Museum of American Art.
Sometimes, Ms. Hagan and Mr. Flores work together. A few years ago, they sold a young adult novel called “Tell Me Every Lie” they had co-written for a $35,000 advance, some of which went to their agent.
Every little bit helps. The family is spending a weekend on Long Beach Island in New Jersey this summer, which will cost about $3,500. That price tag includes a hotel room big enough for four.
The family typically travels twice a year to Kentucky, where both Ms. Hagan and Mr. Flores are from, and where the couple co-owns a home in Louisville with Mr. Flores’s parents. They put $40,000 down and spend about $12,000 annually on expenses related to the home.
The family was hoping to travel to the Philippines this year, where Mr. Flores’s father is from, but they realized it could cost as much as $15,000. The trip is now on hold indefinitely.
They spend about $700 a month on groceries from nearby supermarkets, and occasionally order grocery deliveries from FreshDirect.
Every Wednesday, when the girls come home late from theater class, someone picks up dinner at the nearby halal truck or the Dominican restaurant Malecon, which usually runs about $60.
Dinner out as a family of four can easily cost $200, so Ms. Hagan and Mr. Flores typically eat at restaurants just once or twice a month. The other night, the whole family was hungry and craved Italian food from a favorite upscale spot nearby.
They balked, and walked around the corner to a diner instead. The meal was $120, all in.
We are talking to New Yorkers about how they spend, splurge and save.
Gov. Mikie Sherrill of New Jersey, a Democrat who has clashed with the Trump administration over immigration policies, joined protests outside a detention center in Newark on Monday in support of detainees participating in a hunger strike.
Ms. Sherrill heard from family members of detainees, who have complained about rotten and spoiled food and inadequate medical care at Delaney Hall. Dozens of protesters waved signs, banged on drums, and chanted “Free Them All!” The governor told the crowd she had requested access but was denied.
“No matter what your immigration status is, you shouldn’t be treated with anything less than dignity in this country,” said Ms. Sherrill, who was dressed in a T-shirt, jeans, and blue-gray jacket on the Memorial Day holiday. At one point, she rested her hand on the shoulder of a crying relative and smoothed the hair of an upset child.
After the governor left, the scene worsened outside the detention facility. A tense standoff erupted between Immigration and Customs Enforcement agents and protesters who blocked an entrance; the agents responded by firing pepper balls and spray at the protesters. Senator Andy Kim, who was trying to de-escalate the situation, was among those affected.
On Monday, the governor and other elected officials, including Mayor Ras J. Baraka of Newark, appeared outside Delaney Hall amid growing concerns over the hunger strike, which started on Friday inside the gray, cinder-block building enclosed by a high chain link fence topped with razor wire.
Immigration advocates have rallied outside Delaney Hall since Friday. Detainees said they would go on a hunger and labor strike while calling for an investigation of the detention center and its operations and for Ms. Sherrill to visit to discuss protections from ICE. Hundreds of detainees were participating, one protester told Ms. Sherrill.
The governor said in a statement on Sunday that she had contacted ICE to gain access to the detention center and was working to monitor the situation and “do what’s necessary to ensure humane conditions.”
At Monday’s protest, some protesters shouted in Ms. Sherrill’s face to criticize her for not showing up earlier in the weekend, like other elected officials had.
Representative Rob Menendez of New Jersey had arrived at 8 p.m. on Sunday and stayed all night until he was allowed into the center on Monday morning. Mr. Menendez said that he had spoken to some of the detainees inside Delaney Hall, including a young woman who just wanted to go to her high school graduation, a pregnant woman who was trying to get medical care, and a man who showed him a carton of milk that had gone rancid.
“I heard just desperation from so many people in there,” Mr. Menendez said afterward.
Angela Martinez told Ms. Sherrill that her cousin, Bolivar Bueno, 65, has diabetes and that she hasn’t been able to speak to him to make sure he is getting medication. “We don’t know what’s going on,” she told the governor.
Afterward, Ms. Martinez said, “I want for her to help me out.”
Ms. Sherrill left after about an hour, around 11:30 a.m., as some demonstrators jeered at her. Her security had to clear the road of a couple people who tried to stop her S.U.V. from leaving.
A few hours later, a convoy of ICE vehicles approached another entrance on the south side of Delaney Hall. Protesters, who had rallied at the north entrance in the morning, ran over to sit down in front of the vehicles. Many said they feared that the detainees on hunger strike inside would be transferred to other facilities.
ICE agents — most of whom were wearing face masks — pushed and shoved the protesters out of the way, even dragging one young man by a kaffiyeh around his neck. As the protesters chanted “Trump Has To Go,” they linked arms and faced the ICE agents.
The standoff prevented anyone from leaving through the south entrance. Soon after, a military-style vehicle moved toward that entrance, with a man on top holding a firearm pointed at demonstrators.
Senator Kim, Democrat of New Jersey, who had been allowed inside Delaney Hall, came out during the confrontation and walked over to support the protesters. Soon afterward, the ICE agents and military vehicles backed away from the entrance and slightly retreated toward to the detention center, but the standoff continued.
“They provoked it, they brought that tank over,” Mr. Kim said. “It’s getting worse and worse here.”
The senator said he was working to “de-escalate” the standoff through negotiations with federal officials and would push for families to be allowed to visit detainees as early as Tuesday. “I’m going to keep at it,” he said.
Not long after, the standoff escalated with ICE agents using pepper balls and mace on the crowd.
It’s not the first time Delaney Hall has faced protests. In June 2025, four men escaped from the detention center after days of unrest over meager and sporadic meals and overcrowding that forced some detainees to sleep on the floor. Detainees had smashed windows, doors and security cameras.
And Mr. Baraka, the Newark mayor, was arrested in May 2025 during a clash with federal agents outside its gates last year.
Dakota Santiago contributed reporting.
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