{"id":5345,"date":"2026-07-20T12:06:36","date_gmt":"2026-07-20T12:06:36","guid":{"rendered":"https:\/\/bostonrelocationinsider.com\/?p=5345"},"modified":"2026-07-20T12:06:36","modified_gmt":"2026-07-20T12:06:36","slug":"this-duck-boats-narrator-can-make-more-than-2000-a-week-heres-how-she-navigates-her-finances","status":"publish","type":"post","link":"https:\/\/bostonrelocationinsider.com\/?p=5345","title":{"rendered":"This Duck Boats narrator can make more than $2,000 a week. Here\u2019s how she navigates her finances."},"content":{"rendered":"
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How do people with some of the region\u2019s most iconic jobs make ends meet? We decided to find out. <\/i><\/span><\/p>\n

Read more US military identifies 2 soldiers killed in Iranian attack on Jordan as from Texas and Hawaii<\/a><\/p>\n

In Wicked Expen$ive, a new occasional series, we explore how the workers who make the Boston area the place that it is navigate the astronomical<\/i><\/i>cost of living here.<\/i><\/span><\/p>\n<\/div>\n

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The worker: <\/b>Carolina Soto, 25, is a narrator with the Boston Duck Tours.<\/span><\/p>\n

The job:<\/b> Soto started working at \u201cthe Ducks\u201d in 2022, as a collegesophomore, helping to board the boats. Last season, she became a narrator, guiding the 80-minute tours of historic sites on the amphibious vehicles.<\/span><\/p>\n

Every narrator assumes the role of a character on board. So from March through November, for as many as five tours a day, Soto transforms into \u201cKat Burglar\u201d \u2014 donningan orange getup, bedazzled handcuffs, and a bag emblazoned with a dollar sign. She approaches the job with the air of a stand-up comedian, leading chants of \u201cquack quack\u201d to pedestrians down below.<\/span><\/p>\n

\u201cBostonians are going to give one thing out for free,\u201d she said during a recent Wednesday morning tour, \u201cand that\u2019s our opinions.\u201d<\/span><\/p>\n

The earnings: <\/b>This season, Soto is earning an hourly wage of about $18.50<\/b>. But tips are where the real money is. <\/span><\/p>\n

During her best week this season so far, she took home $1,422<\/b> in tips alone (she keeps track in a spreadsheet). One week last season, when she worked six days, she earned a whopping $2,391<\/b>. <\/span><\/p>\n

But when the weather is bad, or she gets lots of field trip groups, she can pocket far less. She doesn\u2019t stress, though. \u201cIt all comes out in the wash,\u201d she said.<\/span><\/p>\n

The gig also comes with a bonus program: For every hour she narrates, she gets $2, and the total is given to her at the end of the season. Last year, that added up to about $2,100<\/b>, she said.<\/span><\/p>\n

All in all, she estimates that she made roughly $50,000\u2013$60,000<\/b> last year. \u201c\u2018If you do this thing right, you can make, like, $80k in a year,\u2019\u201d Soto said other narrators have told her.<\/span><\/p>\n

When the Duck Tours season ends, she files for unemployment insurance. For most of the recent offseason, she said, she got about $510<\/b> a week. She tried to find another job in the meantime, applying to hundreds of roles, she said. \u201cThere were supposedly a lot of positions open, and nothing,\u201d she said.<\/span><\/p>\n

The expenses: <\/b>Last September, in search of cheaper rent, Soto moved from Somerville to Lynn, into a two-bedroom with a friend from high school. The rent costs $1,350<\/b> a month total, and she gives her friend $753<\/b> a month to cover her share of the rent, plus utilities, she said.<\/span><\/p>\n

The longer commute does mean higher transportation costs. When she bought her Honda Civic in 2024, it cost around $32-34 to fill up the tank, she said. Since the war in Iran sent fuel prices climbing, it can now top $40<\/b> \u2014 she tries to fill it up when it\u2019s a quarter-full to try to pay a lower price at the pump. Her car loan payments are $333<\/b> a month, and car insurance is about $260 <\/b>a month, she said. <\/span><\/p>\n

Another place she tries to outsmart sticker shock is the grocery store. A few times a week, she goes to either Whole Foods or Market Basket \u2014 supermarkets with notoriously different price points \u2014 to shop for ingredients that she tries to reuse in multiple meals. Even so, she estimates she spends about $75\u2013100<\/b> each week on groceries.<\/span><\/p>\n

Her time at Massachusetts College of Art and Design (and Salem State University before that), meanwhile, left her with student loans that now stand at around $22,000<\/b>. During the offseason, she put her student loan payments on pause, but recently started back up again, forking over $400<\/b> a month.<\/span><\/p>\n

After she graduated, she began to accumulate significant credit card debt, \u201cmaking those minimums, and then they would max out,\u201d she said. <\/span><\/p>\n

Read more Joey Logano ends victory drought in NASCAR Cup points return to North Wilkesboro<\/a><\/p>\n

She paid down one card last season, but it \u201cknocked right back up\u201d because she had little money coming in during the offseason. She has also taken plenty of vacations recently \u2014 Puerto Rico, Barcelona, Mexico. Swipe, swipe, swipe.<\/span><\/p>\n

Right now, she has about $19,500<\/b> in credit card debt \u2014 about $12,000<\/b> on one card and $7,500 <\/b>on another. This season, she\u2019s working to make a dent in those numbers, trying to put around $1,000<\/b> a month toward paying down the card with more debt, and $400<\/b> a month toward the one with less, contributing extra when she can.<\/span><\/p>\n

She puts 11 percent of her paychecks into her 401k, with an additional employer contribution. Last year, she said, she contributed about $4,500 <\/b>to the retirement account. She has about $1,000<\/b> in savings, preferring to follow her dad\u2019s advice to prioritize paying down debt. <\/span><\/p>\n

The mindset:<\/b> \u201cMy friends say I have a very Type B personality when it comes to money,\u201d Soto said, and that\u2019s particularly true when it comes to debt.<\/span><\/p>\n

\u201cIt just feels not real,\u201d she said. \u201cYou know how you can\u2019t really imagine what a billion dollars is? That\u2019s what all this debt feels like.\u201d<\/span><\/p>\n

That makes it hard for her to regret any of her financial indulgences, such as her recent trip to Barcelona, which she considers her \u201cbest purchase.\u201d <\/span><\/p>\n

\u201cAt the end of the day, I\u2019m here to live my experiences,\u201d she said. And if taking on debt is the way to do that, she figures, so be it.<\/span><\/p>\n

That\u2019s a big contrast to how she grew up, as the daughter of Dominican immigrants. \u201cThere\u2019s a lot of tension there, specifically in my debt and where my money goes,\u201d she said, so she stays \u2014 by and large \u2014 financially independent from her parents. (She remains on her family\u2019s health insurance, but come December, when she turns 26, she plans to go on the plan offered by the Ducks.) \u201cIt\u2019s best for all of us to just not have money involved,\u201d she added.<\/span><\/p>\n

The splurges and saves: <\/b>\u201cFlowers, these days, have been my consistent luxury,\u201d she said, and she\u2019ll occasionally pick up bouquets for around $20\u201330<\/b> on her trips to Whole Foods or a local flower shop. She recently got a pair of her \u201cdream jeans\u201d for around $150<\/b> from a shop at the Prudential Center, and spends roughly $15<\/b> per gin and tonic on a night out in Salem.<\/span><\/p>\n

She also finds places to save where she can, like getting a manicure from a friend in exchange for $20 and a boba tea. \u201cI\u2019m very lucky to have art school friends who like hobbies every five minutes,\u201d she said.<\/span><\/p>\n

The goals: <\/b>Among Soto\u2019s biggest goals is to significantly pay down her credit card debt. This Duck Tours season, she hopes to get the $7,500 on one card down to $3,000<\/b>, and the $12,000 on the other card down to $7,000<\/b>. \u201cI\u2019d be happy with those numbers,\u201d she said.<\/span><\/p>\n

In the longer term, once her debt is more under control, she will feel more ready to take a leap of faith into a career in the art scene, most likely moving to New York City. \u201cYou need a certain amount of financial freedom to be able to do that,\u201d she said.<\/span><\/p>\n

In her \u201cdreamiest dreams,\u201d she said, she is making what she calls \u201cperformance paintings,\u201d like a project she did in college where she created abstract paintings on Home Depot drop cloths as she danced traditional bachata and salsa. <\/span><\/p>\n

She \u201cfell in love with\u201d the combination, she said. But, alas: \u201cIt was just so expensive.\u201d<\/span><\/p>\n

Read more Have the Patriots finally churned out a stabilizing combination of linebackers, inside and on the edge?<\/a><\/p>\n<\/div>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

Carolina Soto, 25, talked to The Globe about saving on housing costs by moving to Lynn, paying down nearly $20,000 in credit card debt, and staying financially independent from her parents.<\/p>\n","protected":false},"author":1,"featured_media":5344,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-5345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"\nThis Duck Boats narrator can make more than $2,000 a week. 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