Thank you for this, especially the job part. It’s so very important that people put themselves first before these jobs because these jobs have screwed people over and ruined lives. People need to put themselves first more often and remember there’s no true security unless you work for yourself. Even then, you still need to work hard and build something that’ll last.

100% How do you maintain boundaries with your partner in terms of financial stuff. I am a single woman. In future how do I have a conversation with my partner related to financial well being. I have really worked hard and saved money. This is something I have been wanting to learn

I couldn’t agree more! Thank you SO much for saying this.

Agreed girl! Never put your life or your kids life in the hands of any job, person, group, organization, society, etc. Nothing is guaranteed so always make sure you are using your money INTENTIONALLY. Doesn’t mean you can’t have fun or do things but use it with intention, plan ahead, don’t spend what you don’t have, and save as much as you reasonably can. Also, help yourself before you try helping others.

@@rachelesmith3342 heavy on the intentional part. Being young and dumb has consequences and being a 21 year old living alone, I’ve definitely had to learn the hard way that emotional spending will kick you in the butt! I’m getting myself in order now and have learned my lesson and I’ll keep learning as long as I don’t have to struggle unnecessarily like I did these past few months!

That’s nothing compared to the horror debt stories that im hearing!

Right??!! Maybe I'm not so bad 😭 and it was all for things we needed to live (husband became severely disabled out of nowhere).

Same here, that’s literally just my student loan from trade school. I think I’ll be able to handle it 😳

Same for my $5K debt too

People are still having student loan debt I paid my 7k off during the 3 years interest pause

My immediate thought. Like yeah applying for jobs takes time but why tf was she not immediately their caretaker when she was HOME 24/7

I thought that, then maybe she would lose her daycare place, for when she gets back to work

@@user-ph4mg1mh9cThere is NO daycare that is worth 36k a year. After taxes, that basically wipes out either her or her husbands salary. If one of them stays home, they would probably have more money.

daycare isn’t just about someone to watch the kids when you can’t. daycares aren’t just babysitters these days. they are treated like school, and kids get valuable developmental/educational benefit. the kids develop friendships and socialize. pulling kids out of daycare once they’ve been established there, can cause setbacks developmentally and socially. pulling them out would also mean losing their spot at the daycare, and then they’d need to go back on waiting lists for spots once she gets her job back.

​@@jilliansmaniotto2326do you really think that kids do better in daycare than being with their mother? Young children do not need socialization, they need to receive security and bond with their parents.

Doctors, Lawyers, other fields with extreme expertise that aren’t easily replaceable.

CNA retirement home. Unless the retirement home goes well bankrupt you will have a job for life. Even two or three. At the moment I have two, because they are short staffed and keep calling me and I can't say no.

Y’all heard of Montana labor laws?

I work for the biggest company in my country. In the last 3 years every time I thought ‘oh, that’s it, I found my place!’ something changed. My managers were fired/quit or something happened, and I was lucky to have found a department to transfer to. No job is truly stable

The medical industry is exempt from that list.

I love this

Good for you, sis, and keep up the great work!!!

Awesome! I would love to know how you did it! 👏🏾

How have you saved 65,000 bananas after wiping out 15k just 8 months ago. I don’t live P2P I’m debt free no kids 60% through house loan with typical bills and own my vehicles. I’ve saved close to 15k within the last year on a 137k salary lol

And? Most 20 year olds don't voluntarily get in to 15k drbts

Smart move save for it

🎯🎯🎯

you doing it right, girl!!

Young lady! You have a good head on your shoulders. Some of these folks living a social media life are planting mine fields and hoping not to step on one. Credit cards are being hyped, the interest rates are high, and everywhere you go, they will pitch how you get money back and percentages off. All the while knowing they've just enhanced their bottom line. As an old head, add to your strategy understand what it means for your retirement years. Get into a (free) retirement course NOW. There are strategies that the government doesn't want you to know about taxes in retirement. Roths and 401K's can be beneficial, only if you plan early. Start or gather a sista group for support (finance, emotional support). Wishing you continued luck in the future.

Cannot understand credit card debt. It's the way you're raised. My parents set a good example.

Exactly what I said. She's gonna be alright. Which is crazy smh

Sounds like it.

That's because the video is going to go viral, and she is going to get paid from it

@@nikkibreezy6058 yup. I’m surprised the creator of this video didn’t point that last part out. I wish she did.

She said she can, she didn't say she will or explain how. Based on the financial history she shared, it doesn't seem like the debt will suddenly become a priority.

They decided to close the store… that’s totally different than being fired

@@Desire85102I think the short notice is the problem here. You don’t make a decision to close a store in less than a week

@@yaniquewest455 that is very true, why you’ll need an emergency fund as well

@@yaniquewest455 that decision may have been made due to health reasons, family reasons, finances etc.. you don’t make an important decision on short notice unless it’s impacting something personal.

@@Desire85102 true

Well ya if you make 400 thousand a year this 65 thousand is just one missed check 😭 (ik she lost her job but you get the math)

Pay for everything in cash UNTIL you have the mindset to use credit responsibly. 💕💕 Congrats on paying down a hefty amount of debt. Being 100% debt feels great!!

Same I’m going to start this year now that graduated road to debt free

I had 15K and made my last payment last month!!!!! Good Luck to you!

Congratulations 👏🏾

Congratulations 🎉 must feel good!!

Why are people not having money taken out of their paychecks for investments? You can start with as little as 25 a month. Do not spend the money before you get it! Ever!

I honestly try and get as much debt as the banks will give me 😂 I’m trying to be like the US govt

It's easy. Take 250,000 of personal loan Throw all of it on a random option. Wait one day. Sell back the option. If you win, pay off the loan which is marked 12% higher than borrowed And if you lose, ignore the collection agency

@jordantaylorscaife588 Well who needs good credit? Most people can’t afford a house anymore and car dealerships will still loan you a car with bad or no credit. So what’s the point?

I know a guy with 170k student loan debt at 6%. He sold his house and made enough to pay his debt off. He chose to blow it all and swears he'll make it big in real estate. He's 42 with no retirement😭

Same here. In my early 20s I made a lot of mistakes. I learned the hard way but I learned

Cutting expenses is impossible because we enit taught how you manage out money at all

The stuffed dinosaur. 😍 🦕

​@@WildArtistsl did you have a stroke while writing this comment?

@@ryt1995 MVP

‼️‼️

They really were living beyond their means

She is a financial car wreck. She has tons of work on her face, too. And why isn't she watching her own kids??? she'd save SOOO much money that way

She’s the pretentious, keeping up with the joneses, people pleasing type of personality. They never think that once they loose it all, the same people will be laughing calling them stupid.

I think a lot of people have this mentality- especially people finding paths into upper middle class- without considering that they need real liquid to sustain it or support an emergency (such as a layoff). They believe they can lean on credit cards. Credit cards are against the best interest of Americans.

Well what they do not understand that it may have taken there parent 10 to 20 years to get the wealth they have. When I gradurated from college in the mid 80's unemployment was high ( I could not even get a teaching job) inflation was high even morgages were like 13%. I ended up going in the Army as a commission officer because of the job issue.

​@@JAM661 that part!! Nearly every one we knew jumped out and immediately tried to live the same or better than their parents, where I felt like we weren't supposed to have the same as people that had years to build!! My husband and I bought a doublewide as a 1st home and lived modestly -- by the time we reached early to mid 30s we were able to buy a dream home. All the people who lived "big" right away are still stuck in the same place, paying on things they charged 10+ years ago. The best advice I ever have for anyone is live BELOW means and don't spend it if you don't got it (say "NO" to credit cards!)!

THIS. My husband grew up pretty wealthy and continued to live a similar lifestyle he was used to while living outside his means. When we got together I had to have a chat about how we need to earn our way to that spot.

my parents condemn me & my sister for not being in better financial situations by now, but even with ignoring how they've repeatedly sabotaged us, the world is completely different now & their circumstances were also not the standards they expect from us. my mom was groomed as a minor by someone 20 years older than her, had 5 kids, lived in debt horribly until meeting my stepdad. my stepdad ditched highschool with no diploma or GED, worked at radioshack for a bit & then happened to meet some guywho needed a techy guy for his job. now he makes 3 figures a year, has a house & is a landlord for two more, he erased my mom's debt when they got married, too. they have never extended their wealth to us, even in emergencies like dental care, or help with vehicles so we can get to work & not keep pouring thousands into junkers cuz we can never afford lumpsums to buy a decent enough car that only needs minimal maintenance repairs. they have delusional expectations that they didn't even live by, out of touch of reality but condemn us none the less. no idea what to do to make them see it. anyone can be a judgemental hateful person.

​@@JbMaun You're a great spouse. You didn't marry your spouse for his money, and you didn't allow yourself to get swept up in the delusion of money. You helped your husband get grounded as a team. I wish you the best.

This right here. Don’t tell anyone anything about your finances if you can help it.

They SURE the heck do! Aged 48 here and never believed ppl act that way, but they DO. Also I am a minority and mostly have worked in places where there were only couple of minorities making up 2% or less of the work team. You know and learn EARLY that you can’t let coworker’s know your business b/c they feel like they should be doing good and you should have NOTHING. You have to play EVERYTHING down like for going to Disney, you have to either say “I might take my kids to the little amusement park for the day so they can work off some of their energy.”

@@paulacurrie2441 Learn this the HARD WAY. 😂😅🥹.

Facts, do not tell them that you are spending like a millionaire!! Tell them that you are poor!! Lol! I'm from Barbados...people think I'm rich. No. I use airmiles to buy my flight and stay at the hotel of Mum and Dad once a year...I'm not even going this year because it's too expensive!

My thoughts exactly

Congratulations!! 🎉

I’m working on getting out of it right now! Next month I’m starting no spend months!!!!

being debt free is the best feeling ever! congratulations! the tricky part is now staying out of debt...

46k in 3 years is incredible!!! Congrats on the debt free life; it's amazing~

She said she had a cosolidation loan, the 65K its all the debt

@@julissadc6303all her credit card debt, across different cards not car loans

Congratulations on paying off your debt. I hope you’re proud of yourself.

How does she afford rent?

I have paid off my mortgage but I still look for loose change on the streets to help me become even more wealthy

Consumerism and a lack of social life has destroyed our country

She really likes living on the edge 😂

​@@TheRealCatofcraigslist

LOL

Cat is not cheap to have either 😅

It’s the 2020/2024 status symbol

So exactly how does "expensive coffee" or a dog mean those people are the "worst off?"

@@jerrylundegaard2592because they just laze around doing nothing, living a fake life of luxury and spending money that isn’t even theirs.

Right, I agree.

I loved that comment as well.

Too true lol he's always pulling me to the treat shop down the street like he's got money

The true crime here is that teachers should be making more so they shouldn’t need a second job

Literally this! I just commented on someone else’s comment where they said they haven’t had a job for eight months. I was like babe. You just need a job at that point. Those believe they’re too good for certain jobs deserve to be poor. That’s kind of what my sister is doing because she thinks she’s better than everything but she’s a single mom like pretty much a single mom with no job.the father is a deadbeat so he doesn’t help with anything. Like you can’t be picky about being a physics tutor no girl you need to like work at McDonald’s so you can get money for your baby to have food in their stomach.

I applaud you and appreciate your humility.

@@pizzadogmatrue but what are we going to do about that NOW?

You will get out of your debt! I'm rooting for you!

My family is the same

He's not because she's about to make the money to pay it off people love this bs

​@@ty.365right. I'm sire she has some type of influencer tiktok/social media and is taking in money that way

She’s the breadwinner. He should be embarrassed. 😂

@@ty.365I was thinking the same thing. Hopefully they discussed it first though.

They want to become social media famous so they can pay it off 🫣

My smallish town has a ton of local stuff to do.

@@snowqueen51that’s exactly where we take most of our vacations. Small town, weekend getaway, AirBnb’s are like $150 a night, go on a hike, go to the lake, etc. Disneyland is fine if you can afford it but why go thousands further into debt for a trip when there’s plenty of cheap fun to be had elsewhere?? Folks are crazy

Hey Jen! Never imagined I’d find you here

I might not know the details but couldn't you also sell the annual pass to someone else? Like get your money back!

That amount of credit card debt is more than the cost of my undergrad education.

I was traumatized when I saw that I was paying Discover $250 a month in interest!!! THAT'S when I decided I had to get out of debt. I've been debt free since Jan 2019. The habits that got me out of debt will stay with me for life!

Use the balance transfer checks and divide by 12 to pay off. Less than 3k.

Funny shit is she probably wasnt smart enough to actually apply for a 0% APR so she could do this for 1 year interest free

Well that’s only cc debt. That’s not the cars because apparently she doesn’t consider the cars debt.

We did a debt consolidation plan and paid a lot towards it! We are now under $20K in debt! :)

​@helloamandaleigh Aw bless your irresponsible little heart! You're about as capable of giving financial advice as a Duggar would be at giving advice about birth control.

Balance transfer checks. 4-5%, which is cheaper than the current mortgage rate.

Right!!!! If it’s not in my hand, it doesn’t exist. I’m not spending until the direct deposit hits my account!

Right

Fr seeing this makes me realize, ugh I can be smarter than this 🥹

Right. We’re gonna get into their business whether they like it or not. They basically asked for it. When they get negative response is when they start getting defensive.

I’d much rather have people telling the truth about themselves than deal with people faking it and putting on a show. Neither are desirable but I’ll always favor transparency and honesty

It really is bizarre to me. However, I'm also someone who doesn't seek or want attention from strangers, so I can't relate.

I actually applaud people who have the courage to come online and tell us these things. It’s a great lesson for the rest of us! We can learn from their mistakes. I pray she’s able to get and stay out of debt somehow.

So they can get the views and eventually live off social media alone.

I think cutting back things you got used to is way harder than lifestyle inflation. I some cases it takes several months and additional money to cut back e.g. to move into a smaller apartment or to a cheaper area.

Dude, fr. Like I know it's a drop in the bucket, but she even mentioned paying for Netflix and that's pretty telling of how much cutting they did. Your job is gone? Day 1, stay in bed and process. Day 2, shut down every expense you can and make a new budget

@@dirtyprancing5930 I don't think that Netflix got them in trouble but it's a more obvious expense and simpler to lower than rent, car payment, car insurance, food subscriptions or delivery etc.

I make 10% of that and could survive for over a year without working. What is she doing??

For anyone reading, remember car work requires commercial insurance. You ate not covered for any accidents that happen when you're using your car for work without proper insurance, including medical bills

​@@dirtyprancing5930 Yep and I hate when people give out bad advice

When you make over a certain amount of money, you don’t qualify for unemployment event if you get laid off. Been there, done that.

How do you allow yourself to not have a job for eight months? At that point you’re doing it to yourself. You need income babe it don’t matter the job at that point. You guys are ridiculous for doing that to yourselves. Reminds me of my sister who literally has a two-year-old daughter and has no job and a deadbeat father.like what are y’all doing?

​@@MaffyTaffyHaffyI got laid off in 2023 and I enjoyed 8 months of collecting severance and unemployment

​@@MaffyTaffyHaffyhow does she survive

I will never leave my job UNLESS I’m already hired for the other one.

@@KAye633if i get fired ill take a low wage job just to have money coming in like hell man i could never live off a credit card souly

Same 😂 live like I'm going to be unemployed next week 😂

So they didn’t lose the placement, duh. These things have goddamn waiting lists.

@@lateformyownbirth so based off her numbers…. She paid almost 20k while being unemployed to not lose a “placement”… man hell nah lmaooo

​@@lonnieswag100 well, she didn't know off the bat that she will be unemployed for that long, propably thought it would be a quick deal so no wonder she didn't want to loose a place a daycare, these things are crazy to get into

@@lauralanthalasa7still a bad excuse it wouldve been cheaper to be on the waitlist and hire a temporary babysitter once she gets the job. I doubt it wouldve cost $20,000 for a babysitter

@@TheBlackAztec3hiring a babysitter is more expensive than daycare. You are paying the sitter per hour. Daycare is monthly or weekly flat rate. Also sometimes it depends on the area where you live where you have limited options( either you have a high cost daycare that’s worth it or one that is just overpriced) so if you find one that’s affordable and good, it’s hard to let go knowing there is a possibility of loosing that spot. Meaning when she gets another job, she might ending up enrolling her kids in an overpriced program.

When I worked at a bank (pre-2008) I remember all of the posters they made us put up trying to get people to get an equity loan to pay for their kid's college or wedding. I was telling people, please don't take out a loan for a big fancy wedding 😅

You have the right mindset…once you pay your debt off…I believe you will and not do it again. Great Job, keep going!!!!

You’re right… but there’s something going on with that friend. I think she was being paid off or “bought”. There is something sexual behind it, I’m almost certain.

@@audreyandrea460wtf. what did you get that from? you must be a pervert to immediately think that.

@@audreyandrea460that’s quite the assumption.

@@audreyandrea460this is an astronomical leap you’ve made

@@nickj12bro ong wtf🤣

She got messed up with that nose job, too. It looks like the tip is about to fall off. I am not trying to be mean on purpose, but they really have been spending money on dumbness.

Yeah I don't pity her at all. I have 22K of debt but I never in my life have I ever had 10K in cred debt especially on one card. Separately? Sure. Debt for emergencies? I understand. But for a home renovation? A cosmetic procedure? What? Isnt she married? Fuck she need a tummy tuck for?

tbh, if you're in the position of having a critical repair and don't have money, we live in a time of KZfaq, it's best to at least try to fix it yourself. the TikToker is wild to think credit is the way to bridge the gap as the first option.

I agree! We assumed we would be able to replenish the emergency fund with the bonus. We made a huge mistake!

Hahaha so true!

Yes lol

Lmao taquitos taquitos taquitos

Thank you for the love and support!

I think we all need a little love and understanding! I've got about 6k in credit card debt and my car payment, no mortgage. I'm 35 and was an addict for 10 years, and just in the last year, I've really buckled down and started taking this debt seriously. I'm working 7 days a week cleaning houses while I'm not doing my 7-3 job. I've made a strict budget, and it's so hard, but it's doable!

Because some people don’t want to deal with their kids all day smh

@@Bloom2Grow Why did she have kids then lol. Like my daughter is home all day with me because I can't afford daycare. It's difficult, but like that's parenting.

She mentioned both her and her husband had other jobs after being laid off, she didn't mention that they worked remotely. Who was going to watch the children, if not the daycare, when they go to work?

@@solanaszoo this is so sad. This American way of doing things. Relying on strangers to “watch” your kids. Her parents or his parents should be watching them when they can’t, family members, church friends, aka any sense of actual community. It’s actually kind of sad that Americans have been taught to outsource rather than rely on their family (their village) to help in taking care of their kids.

@@Bloom2Growthen don’t have any smh what kinda comment is this?😒

honestly I can see them getting into like $10,000 in debt (because of an expensive lifestyle lol) but it is amazing how people can waste that much money

If u have the income it’s not that bad. If u don’t your basically over 😅

Please don't take Jesus's name in vain. He is the Lord and Savior of us all!❤

@@lilacscoffee9360 I’m agnostic 🥰

@@lilacscoffee9360not all of us :)

@@lilacscoffee9360keep your cultish nonsense to yourself, my lord😑

yep , the girl took a callcenter job for 9$/h

Yes you are.

Sometimes daycare have months long waiting list and finding another daycare isn't easy depending on the areas. So if you drop out for a few months, there is no guarantee you'll be able to come back.

😅😅😅

😅😅😅

You should still feel bad about having your little bit of debt. Little debts can easily turn into big debts. Stop living above your means.

Interesting, what country are you from?

Most people shouldn’t be allowed to have credit cards because they don’t use common sense everything shouldn’t be bought with a credit card

​@fatimamanneh9432 I was just watching this video of this mom laughing at her daughter because her daughter was reading her credit card statement, and it had a pay now section and the daughter was asking why would she have to pay when she already used the card to pay for it.

In the Netherlands credit cards are barely a thing either. Also we do have stable jobs (a.k.a. once you get fired you have a little bit of time to find something else, and otherwise we have a social safety net)

Same with my country as well. Debit cards only. If we can't afford it we save money and then buy or else we don't. For lower income families vacations are not a thing. Most people cook at home. Eating out is a special event. Credit card users do exist but they are very rare. And I have heard them go super broke later on. It's sad.

A bogus chief financial officer?

that's what i was thinking 😂 like girl... maybe there was a reason they let you go.

She reported to the CFO. I don’t think she was the actual CFO.

Thank you for the kindness! ❤

@@helloamandaleigh Of course! I have another channel on budgeting and I know what it's like to have people comment on your financial decisions. Again, thanks for your transparency and I hope things have gotten better for you and your family!

@@wendycoop that’s amazing! What is the channel name? I’d love to check you out!! 🖤

At minimum 200. Still a lot!

😂😂😂😂😂😂😂

LOL! I don't pay for botox! :)

@@helloamandaleigh Girl you need to go and see Caleb Hammer. KZfaqr to KZfaqr. That would be entertaining.

Love him!! He has helped me stay in line. I hear him in the back of my head when I buy things sometimes!

Taquitos!!!

Caleb hammer!!

I know people personally who live wayyy above their means but on social media look like they're living a life of luxury. Vacations to tropical destinations all over the world, a new BMW, beautiful clothing, expensive dog, big events but are in massive debt and have to pinch pennies in other areas in order to (somewhat) afford their lifestyle. Fortunately for them, some are sent stuff for free but it doesn't help when they often have expensive taste.

Whenever I’m browsing shops online I put Caleb hammer on in the background because suddenly I don’t need shoes

her husband would’ve probably been banging the friend most people can’t move friends in nowadays

We don't have a spare bedroom. :)

Never leave your kids alone with anyone. Even a friend.

Not the girl in the comments 😂

​@@helloamandaleigh... there's no advice to give then if that's really the response