Chloe Potter works as a loan specialist in Charlotte, but she has ambitions to run her own coffee shop. This is how she spends her money.

Read more about Chloe's budget breakdown: https://cnb.cx/2yK2pXq

This is the latest installment of Millennial Money, which profiles people across the U.S. and details how they earn and spend their money.

Chloe Potter, 26, moved to Charlotte, North Carolina, nearly two years ago. She’d been living at home in Boca Raton, Florida, after graduating from college and was ready for a change, she tells CNBC Make It: “I wanted to be in a space that I could make mine and start my own life.”

She considered big cities like New York, San Francisco and Los Angeles, but the cost of living was too high.

“I ended up doing a bunch of research and finding out that Charlotte was a growing city with a lot of job opportunities,” she says. Plus, it’s a place where she felt she could “make it work financially.”

She borrowed $1,000 from her grandmother to make the move and couchsurfed for a few months while job searching. She landed a 9to5 job at a mortgage company and waited tables on the side to save enough money to pay back her grandmother and rent an apartment.

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Living On $38k A Year In Charlotte, NC | Millennial Money