The “that’s just extra money laying in my bank account”

I think it's a made-up term and being sold to us as an indulgence for mindless spending. Is there a boy math too? 😂

Re-wearing outfits. I absolutely LOVE my clothes!!! They're MY clothes and I love to wear the same stuff! Feel like spongebob sometimes when I have a favorite shirt and keep wearin it lmao. And it's not like I don't have nice clothes, I spent good money on my clothes, you BET I'm re-wearing it til it falls apart.

Apart from all the "girl math" it's calling everything "investing" like it's a synonym for spending money.

I have so many thoughts - but i just wanna say your videos rule, they are eye opening i grew up in peru with no financial education now making mistakes in my 30s here in the USA i want to get better - and seeing this helps immensely ofc your commentary adds invaluable learnings too! but damn seeing those tiktoks... i have no words

That is what I don't get, do they just like insulting themselves? Like if I call you stupid, will you get offended? Why though? Ain't that exactly what you are trying to be? It's also doing miles to discredit any person cursed with female parts who claims to struggle with money... I don't have money, not because I am overconsuning cosmetics, but because getting an entry job is like finding a needle in a haystack in my city.

Exactly, the way the pushing this girl math trend is ridiculous.

I literally suck with money, but I don’t buy any of this shit. Just forget to pay my electric for 2 months because adhd brain. All of this stuff is just weird 😂 my to do lists have real stuff on them and I still forget.

They think its cute, in reality it's such a turn off

If you guys want a psychological reason for this, it's because it removes responsibility. If you blame "girl math" you are essentially blaming your gender and femininity for doing this, instead of yourself. So it makes the issue feel beyond your ability to fix. A guy version would be buying stuff advertised as making you "more of a man", like expensive cars and get rich quick schemes.

Same!

Totally!!!! 👏🏼 I always round up!!! 👆🏼for self awareness 🙃

me too lol

I do the same exact thing!!! I round all the way up to give myself some cushion

I should start doing that and then moving the $4 into a savings account

Also never caring for how much discount is on an item. Only the current price of it matters not the % of discount.

same

I once walked into a Sephora to buy my favorite lipstick. I was willing to pay full price for it, but at the cash wrap, I was told it was half off. THAT time I was fully cognizant of the discount...and BOY was that a good day.

Buying a digital card and then never using it Girl math 💥

I make Amazon wish lists and a week or 2 later I delete most stuff 😂

... and that bag was never worth $10k to begin with.

It's called a sugar baby investment.

I LOVE THIS! 💕

This is brilliant. 💕

ooo smart!!! don't mind me stealing that idea hehe

I may steal this

Thank you for your service

Ooop 😳 FOR THE PEOPLE IN THE BACK OF THE CLASS!

Exactly, financia literacy is a must.

LOL retirement fund!? People like that don’t have one😂

Fun fashion tip: just get one black dress that makes everyone look twice. That's what I do and I get multiple compliments from the same people every year.

Exactly this! Nobody (worthwhile) cares now and nobody for sure will care when you're suffering later and unable to retire

That’s high school mindset. Getting to 30s I’m proud of wearing something multiple times. Less laundry, saves money.

@@vminhope3040same. Unless something i see is good quality and i know will last. And if i still want it after 48 hours i will get it.

@@vminhope3040 it really is highschool stuff, i dropped out sophmore year and by the time i was 18-19 i was out of the mindset so many people get into during school and then collage rolls around and makes them think the adult world is also like that. insane

Fr

They both mean the same thing.

@@LPno.9 kinda yes, but it was used ironically but now doesn't look like it

⁠​⁠​⁠​⁠​⁠@@LPno.9Technically, but one was in a joking manner about their questionable financial choices and one is trying to break it down into how its actually a smart thing

@EmphasisOnPBJ Still the same.

This! I said the same thing on her other video. It started as a JOKE. So they are literally a joke trying to legitimately justify their purchase in this way.

I agree because I get where you’re coming from, but my first thought when I read this was, “I was never that dumb, even when I was a young girl getting pocket money”. My parents fortunately did me a huge favour by teaching me about money management from as young as six. Even little tricks like my dad giving me pocket money (in coins), me saying, “thank you!” and then him saying, “do you want to count it to check it’s all there?” I’d then discover he’d short-changed me by 30 cents or something and say, “hey! Where’s the rest?”

It's not even gender specific. This isn't girl math. This is financial illiteracy.

We all know the US school system does no good for teaching personal finance management. You have to either be fortunate as be born with parents with good personal finance skills who teach you, or have a relative or family friend who teaches you, or have the ability to learn it yourself early enough in life before you’ve absolutely obliterated your own finances. It’s unfortunately a privilege to be knowledgeable in personal finance. It’s not a s simple as stupid vs smart. Lots of smart people are very fucking dumb with their money because they never learned how to manage it. Impulse control also plays a large part in spending habits.

@@Kyiecutie Absolutely! It’s the same with the education system in Australia. You’re also very correct in saying that being smart doesn’t necessarily mean you’ll be good with your finances. I’ll go a step further and say that even if you are smart AND have the privilege of parental guidance in financial literacy during your upbringing, it doesn’t necessarily mean you’ll be able to manage well. A perfect example would be my two half-brothers (they’re about 20 years older than me and had the same dad as I did). Both are INCREDIBLY intelligent academically and in other ways. One is a multi millionaire. My other brother? He literally asked me in March if I could micromanage what little was left of his money so that he wouldn’t spend every last dollar on his alcohol addiction. I should also point out that once he’s been drinking, his spending on things like Uber and takeaway deliveries etc. goes out of control. He knows perfectly well IN THEORY how to budget and has even written one up on an Excel spreadsheet that he wants me to help him follow, but in order for him to do this I pretty much have to manage every dollar he spends. For example, just in order to help him keep to his grocery shopping budget, we have to do the following: - he logs onto his online Coles account, adds what he wants/needs to his cart, then adjusts it the best he can to fit to his budget - he lets me know via email that he’s done and if he’s gone over budget, we FaceTime so we can brainstorm to see if there’s any changes he could make to bring the total cost down - he picks the time he wants it delivered and finalises the order - I then log in to his account just to change his password so he can’t access it and IMPULSIVELY add things to his order up until the day before delivery, a habit which has caused him to overspend in the past - me changing the password also prevents him from impulsively ordering anything from Coles until he’s next due to do a grocery shop. If he needs something like bread or milk in the meantime, I transfer him that amount of cash so he can get it at the store. - rinse and repeat. Myself and my two half-brothers had the same dad who was very wise financially and, in my opinion, taught his children about finances better than the average parent did at the time. The half-brother I’m currently helping is a University lecturer in political science and has almost completed his PhD, so definitely not “dumb” like I mentioned in my last comment. Weird how our brains work, hey?

​@@Kyiecutie thank you for saying this. In addition, if anyone is in highschool or middle school you should take home economics. This class actually teaches you personal financing skills that will be needed in adulthood. ❤

You can get used Birkins for about 12k, and bring it to a bag Spa for about 2k - so 14k would be realistic

yes 😭

Absolutely 🤣

Good luck....hahaha

Graandma's math is using crisco as lotion cus just as good if not better, cheaper, and no weird smells that burn!

Wouldn't that be called "math"?

EXACTLY!!!

Its just a joke

It's not. People are actually following this nonsense. Just because they give it a stupid name doesn't make it a joke​@@Jess-he9fc

@@Jess-he9fc yeah I bet daddy pays all your loans too

@@miracle-pi5wslol nope i pay for my own stuff. Why are your panties in a twist over me pointing out that its just a joke?

EXACTLY ✋️😭

Most of it is purposeful 😭 you get more attention online when you share the most messy, controversial thoughts you have. Complex thought is rewarded with a "im not reading all that".

True. The manosphere/MGTOW group and modern feminism are 2 sides of the same coin. Both are the problem.

I get what you are saying. If a woman is talking, it's enough fodder for them😂 Those poor sad fools

They Also gave dudes a reason to "Women ☕." Even in serious matters

MAYBE BOTH,, WHO KNOWS..BUT IT'S FUN TO SPEAK ON IT 😂

rage bait

Rage bait but also feeds into their delusion. And allows them to feel better about it since some of them are making money off of talking about it through their socials.

they’re jokes..

Imma say stupid

As someone from Europe it always baffles me that people in the US never factor in the Tax when talking about how much something costs. Over here the Tax/Vat is already included in the price when we go and buy stuff.

Its because the sales tax rate is different state to state. Pay 5% in one store, drive a mile across a boarder and get hit with a tax free state. ​@ghoulchan7525

@@ghoulchan7525 It's because tax rates differ depending on your municipality. I'm in louisiana and there is a parish near me with 18 different tax rates. Big businesses wouldn't be able to keep up with price changes properly. It truly is easier for us to just know the tax rate where we do the most purchasing.

It’s the same thing in Australia but even worse, every single item is 7.99, 9.99 etc. and in australia we round to the nearest 5 cents so it’s literally just 8 or 10 dollars and people still fall for it.

​@ghoulchan7525 we don't even have identical tax rates across counties, much less states. I can buy something at the store by my house and pay one rate, or go 5 miles and pay a different rate.

That’s exactly what I said. At first it was funny and I should relate, but now they are just sounding stupid and dragging down the rest of us women by saying “girl math”.

Same but not literally

I think it's turned into kind of a flex. Joking about your fiscal irresponsibility proves that you have enough money (or at least people around you do) that you can make mistakes and pay no mind to the consequences.

Their afraid of looking broke to their friends that they don't like anyway. It's about imag and looking like you can afford more clothes. It's so dumb.

I’m a fashion girly myself & agree. You buy clothes to wear the item repeatedly …

It's only an issue in the Lizzie McGuire movie.

“Maybe I’m an outfit repeater, but you’re an outfit rememberer, which is just as pathetic!” 😂

I'm a "wear my outfit until there's holes that I can't repair,kind of woman" and I am not even ashamed of it.

I'm with him!

Me too. I think my last car cost 5k 😮. I could never imagine that kind of expense for something that will most sit and gain dust

This is a famous quote by Michelle Tanner from Full House

You can tell that they never gotten a minimum wage check in their lives. That stuff just humbles you to the very core and makes you like 20% better at managing money whether you want to or not.

“It’s just a little jokey-joke, stop being so strict, unclench…” well like maybe some of us are too brokey-broke for your jokes to be funny and relatable to us and it just makes you look like an out of touch spoiled twat

For me it was ‘sales are the actual/base price, when it’s not on sale you’re paying premium because they know people don’t like to wait to have things’. One of those situations where you’re like ‘wow, genuinely thank you for lying to me as a child, that probably helped me save a lot of money.’ 😅

Yupp. If you were going to get it anyway and you need it then a sale means saving money. If you only bought it because it was on sale, you lost money.

@@thecroc If you were gonna buy it on full price anyway then it's 100% saving money If you were considering it before buying on sale then it's 80% of saving money If you weren't considering it and bought it because of the sale then it's a 50/50% toss of the coin whether you used that and saved money or not.

@@DeadDancersHobby Lobby is like egregiously bad about this. Like they are constantly running 40% off sales to make it look like you’re getting a deal on your Live, Laugh, Love signs and stuff but that’s just the MSRP without the crazy markups

NOPE, You were doing MATH MATH 💕...GIRL MATH IS IRRATIONAL MATH 😂

Girl math used to be a joke until everyone rolled in with their real delulu takes 😭

This should be girl math!

This is how I think frfr 😂 I estimate how much money I have, then the bills, subtract, then see how much money I’ll have for other things like food and gas. Then I try to see if I’ll have money to buy that one item I want, and if not then I just forget about it.

naw cuz somehow these girls would twist it into saying they have $1,800 to spend actually 💀

I had a landlord who would buy a thing from Harbor Freight, use it, and return it.

If it was a necessary home repair, and buying the tool allowed you to be able to do a quality job without hiring a pro for less, the tool kinda was "free," AND you saved money on the repair! My woodworking hobby equipment will even have been effectively "free" once I get around to building the new cabinets for my kitchen, which will happen soon...ish...🙃

May I ask why “guy math” not “boy math”?

@@DeadDancers Because I’ve always referred to myself a guy or dude and guy was the winner this round

I do that with sewing projects 😄

That’s actually a great tool to learn self control.

That’s actually pretty clever. 🤔THAT can be Girl Math.

@@naomivought9317 Agree! She figured out some pretty clever budgeting tricks, but the gift card was my favorite she used. I’ve definitely used it a few times on places that I really love going to, and it’s really helpful

@@LoveAndSnapple 😂, yeah she’s really smart. No surprise that now she’s a really successful physical therapist!

I used to work in check cashing and the company started buying gift cards, keeping a percentage of the value....sometimes upwards of 40% . Some of these were target and grocery and I would be baffled....all to have cash in pocket. I even asked one woman "why don't you use this as part of your grocery bill while retaining the full value? I was met with a blank stare.

Yup, same here. To me, if I saved $50 for a top, and it was surprise on sale for $40, that would mean I have a surprise $10 left for a treat or savings. The rest of this hoop jumping is bananas

My mother is the same 🙃

My mother was the same. I have such trauma that I don't have debt and I save and invest 70% of my income every month.

Gurl my mom’s shopping and hoarding habits are pushing me to do way better for myself and my family.

Myth busted: you're not investing in your daughter's vintage wardrobe. You're a hoarder and a financial black hole.

My coworker said her husband and her were so in debt because they loved the casino.I don't know if she still is in debt but given how her point was that she wants to "enjoy all her money", Idk. At least at one point, she was a believer of "girl math'

BEST WAY TO DO IT!!!! 💕💕💕💕

The problem is that they're curating an image for other people on social media. They care what other people think. I'm grateful just to have clothes that aren't stained or ripped.

Exactly! It really bothered me when she said it's "something all girls do." No! No we don't!

So true! As someone who came from a really poor background I'm still baffled by people who buys clothes every week, like, what? We used our clothes until they were unusable, and sometimes it was still used after that as cleaning rags lol

​@@mayy3307I still wear stuff from middle school cause I didn't get much taller between then and now, my folks never had enough to buy that much clothing for me

I agree 100%

Putting Elizabeth Cady Stanton right beside Harriet Tubman is wild

@@Somebodyelse141 babe im trying i haven’t read a book in like two years

foremothers is a word i’ve never is seen now i’m sad i’ve never it used lol

no way in hell this would make the foremothers proud. They weren't silenced, beaten, and starved, for their decedents to financially trap themselves in the system they were trying to outgrow!

Facts! Small coffee shops have way better coffee

I agreee starbucks taste like ass i dont get the hype

Yeees!!! Starbucks is junk food! Make your own coffee. Thrift stores so often have coffee making tools for cheaper than a single latte. Or just drink delicious, regular-ass coffee! ☕ If you're out and using your own travel mug, folks don't know if you bought it or made it, anyway!

I still have my gift card from last year. I usually treat myself during the fall and winter with the gift cards. I don't like their coffee as I like the one I make at home.

Status. Perceived value they add to themselves, people are fucking sheep

Like so much of this stuff only applies to like if you are an influencer who has to keep up appearances

😂😂

Correction: terminally online citizens and the government uses this math

​@@Sebastian-fy3hu😂

They will blame everything on inflation. I say, no, your ass been broke. My parents and grandparents raised kids in an under 1000 sq ft house, had one car bought used, drove to the lake to swim for vacation, and the kids wore handmedowns. Stop letting people tell you the American dream is over. It is alive and well for people that are willing to live within there means. Hyper materialism was never the dream.

@@Sebastian-fy3hu😂😂😂

Nope. It's a global thing we all use girl math!

Yeah I feel that. I'm a software developer and I had to do quite a lot of maths in university and the things people said to me was crazy. One guy even suggested that I'm only good at math and only interested in tech because I have brothers.

Thanks for making this video! I agree that this is harmful for the financial independence of women. Learn how to budget, just bc your parents didn’t teach you how doesn’t excuse responsibility.

Woman in tech here, I understand 😢

Or did feminism accelerate it? If you go back 60 or 70 years, women didn't use girl math like this lol

I remember in the 1990s and early 2000s people tried the “ don’t say girls are bad at math, it’s a harmful stereotype “. And here we are 😅

This video is shorter and it explains it better. kzfaq.info/get/bejne/ramlbJeKyMCsmXk.htmlsi=AW2mhLWBOPP6yYD8 it’s so funny his channel is called hoe_math

if they are winter or work boots, you will probs wear them out too! Not only does that make your cost per wear insanely small comparatively. Not only do you save time every year shopping for this seasons trends, but the time and mental energy it takes to choose which pair you want to wear!

.... I'm buying the Matterhorns... People that have never wore work boots should have no say in the matter.

@@spaghettisploitation1029 seriously tho. If you're making your money in those shoes, they are a nessisary expense!

❤❤

Two Cents said it best, “You cant be as wise as Penny but being Pennywise is good too”

THIS! ❤️

Never heard about calories and period one . I wish that was true 😢 .

Never heard about calories and period one . I wish that was true 😢 .

this is basically what i thought! i though it was a silly jokey way to praise ourselves for making good decisions (like yours), not justifying bad decisions. that’s how i was using it lol

I thought that too. Like silly things where I made the better decision and "saved" the money I didn't spend too

This is what it started as then it just devolved into a misogyny talking point and a justification for poor discipline and spending habits

Many of them are ruining their men's lives with this lol. When it's other people's money, girl math makes sense but destroys his finances.

$14k will get you an apartment for a month where I live

That’s Girl English!

You can return it?? I only heard of returning purchased games but not in game transactions

I AGREE!! NOTHING WRONG WITH FAKES/NON NAME BRANDS! We were taught it matters to keep THOSE companies RICH!

Right. I'm the kind of person who loves getting bags for cheap. I think my honest to god best score was a vintage full length leather trench coat. The coat was in mint condition, and the brand had similar coats at the time for $300, so I hazard this could have easily been a $500-$600 dollar coat bc it was vintage. I bought it was $12.50. I had to travel three hours by bus there and back., I wear it all the time in the winter when it rains, and I feel so cool in it.

I think the most I paid for a bag was $100. I thrift bags because I always used them for my outfits.

​@vvitch-mist20 I was doing vintage before it became a "thing". Imaging getting bullied because you shopped at thrifts stores.

@@donnac.3273 I never got that, second hand clothing are great. A lot of my clothing was second hand as a kid, and I always got cool stuff at thrift stores. I refuse to buy leather goods new bc I know I can find the same thing for cheaper, and it's better for the environment.

This was PAINFUL to record! I DID THIS CAUSE I LOVE Y'ALL! ❤️

Omg I’m struggling but love her vlogs so I’m trying haha

And scary 😱

! love everything you said here and I agree - girl math is stupid, let's not be broke : ( we can do better

We do many of the same things. 💕 It is so much better for you long term when you have great spending habits!

So weird right?

@@dwrnnurse yes. Very. I didn't even know this was a thing til today owO;;

It’s a jokey way of saying that you probably budget based on the number you see in your bank account, which doesn’t include cash, so any cash is extra on top of what you budgeted.

Laundered cocaine money is free though

It perpetuates that women can't manage money? Women drive 70%+ of the spending in the economy.... Not everything is people attacking women.... Some of it is just the reality of the situation. Women spend.... Rob arnault is one of the top 3 richest men in the world, owning louis Vuitton for a reason. Lol.

Girl appartment. Girl tools. Girl writing... The longer this goes on the stupider ot sounds.

girl bankrupcy

girl tax fraud

Lol​@@scullyyyyy6788

Girl Vehicular Manslaughter (Slaaayyyy, literally)

😂 😂 😂

Lol this😂

HELL NAWWW 😂 But I respect and understand your POV...I agree IF there is plan to sell to someone who ACTUALLY WILL buy the bag for a profit. But the Market determines that, not the seller.

@@SocialSymone exactly 😂

Even then that sounds more like gambling then investing because how could you possibly know that it will go up in price and be discontinued?? Unless it's limited edition I guess...

@@Starrshine1988it’s more a case of if you find a bag you know is a collectible and you get it for a bargain. Otherwise just buy a bag you love. Birkin are pretty much guaranteed to increase in value

​@@Starrshine1988Until now, the only Item I know would never get affected by the inflation is Gold

No, they aren't . Women doctors, physicists, professors, and engineers aren't going to disappear because of tik tok stupidity.

@@LPno.9I think perhaps “sending us back 100 years “ refers to how women are perceived in general, not that educated women will cease to exist

@@not_old_yet I know what it meant. It still isn't true. The abortion bans happening all over the US might, but not this.

@@LPno.9 I have a PhD in Bio and worked in science my whole career and still don’t get your point. Just saying “No, it’s not true” isn’t an argument

@@not_old_yet That's exactly what I meant!