The man at 10:00 is how I grew up. I’ve learned from growing up in a family like this to only do or buy what you can hand them cash for. To this day I have zero credit cards, am a single mom of 2 who doesn’t receive child’s support, rent (yes rent) a modest 2 story three bedroom house where I’ve been for 14 years, OWN my own car which I bought and paid for brand new off of the lot, have taken my kids to Disney exactly one time and probably never will again, have zero student loans (thank you scholarships), have college funds for both of my children, have a savings that can pay my bills for one month in case of an emergency, and most importantly….happy children and zero stress about owing money to other people. As you can see we may not have a lot and get to do a lot but we’re happy…and that’s what’s important. ❤️❤️❤️
I still live at home so I can afford to get tattoos go on trips and dress nice. Meanwhile people around me who knowingly and intentionally moved out had 3 kids before 21 and make the mom stay at home tear me down and say I'm only "fresh" because I still live with my parents. Well sorry that I'm enjoying the fruits of making intelligent decisions.
I lived at home until it was financially responsible to move out 🤷♀ and by that time i have saved so much money I could but pretty much everything new
My roommate, he had to sell his house because he couldn't pay his mortgage after he lost his job and now lives really cheap, still without a job, but with quite some savings from selling the house. He bought a new motor, a model he didn't try at the dealer. Didn't like riding it and sold is for 5k less after a few months and ridibg it twice. A few months ago he got a big tattoo (almost his whole arm), he is now in the proces of getting rid of it. He decided to laser it away a few days after finishing it and told me he was already regretting his decision to get the tattoo after the first of 3 tattoo sessions. Yes, he did the other two sessions as well.
buy the cheapest crap possible. buy things that are okay ish. no.buy the best quality you can afford. some things you can go the generic route,but for the most part,buying quality saves money.
Going for the cheapest option is almost never a good thing to do, but going for the best quality you can afford is only a good decision till a certain price level. For most products there is a optimum, where a bit better can cost a shitload more. Even if you can afford to pay a shitload more for the real best product, its not always well spend money.
That's not always the case. Check out Linus's video on the $1,000 HDMI cable and tell me that its quality is better than a normal $10 HDMI cable from Wal-Mart.
Literal conversation I had with my 21 year old niece. “So like my credit score is 650 and I’m thinking of applying for five credit cards all for different activities.” Told her keep it to 1 credit card and budget.
I picked up my friend's kid and he looked at the dash and asked why I have no gas. I said I had a full tank - confused I pointed at the fuel gauge and said it is a full tank. He thought the illuminated low fuel light meant the vehicle had gas and switched off if the car ran out of gas.
I just blow a third of my monthly allowance (im student living at dorm) to buy toiletries, skincare and some kitchenware. Feels like a bad financial decision even though if i go one by one to the items, each are at least 70% needed
This makes my just over $4000 in debt, half it being a student loan look like nothing. Makes me look less of an idiot, even after I have not been the best savings at this moment.
“I wouldn’t have bought it but it was on sale." Well, how much money are you saving on that item if you buy it? And now how much money are you saving on that item if you DON’T buy it?
Having grown up poor but with a mom and stepdad who liked to pretend they were upper-middle class, but one didn't work hardly at all and the other MAYBE made $60k/yr, my brother and I were constantly given mixed messages. We'd go out clothes shopping or to a nice-ish dinner and spend $1000, then we'd hear our mom and stepdad fight about it for a month and then my poor dad had to swoop in and pay for simple stuff for us, like school lunches, sports stuff, and school supplies. Mind you, we had a SUPER nice house with a 2nd floor loft, a finished basement, pool table, nice washer and dryer, a separate garage full of mechanic tools with a racecar my stepdad only ever got to work for one competition, and a massive tract of forested land. And they bought it all not long before the gigantic financial collapse in 2008, so it was even worse when things went south. Through tons of loans and cutting corners, they somehow managed to keep it all long enough for my mom to die of cancer and my stepdad to kick us out, but it was miserable at home. Beautiful and idyllic on the outside, rotten at the core.
That’s one thing I’ve observed in Americans: their cars and trucks. So many live in disgusting dumps but still, are proud to show that they have an Infinity or a Suburban, which is parked right in front of said dump 🤯 They make a social status or something of it..?? “Little wiener=big truck” still a thing nowadays?! People put WAY to much of their monthly budget on a box of metal with 4 doors. With the price of gas lately, have fun paying for that Suburban buddy. Because of course, the great American way is, if it’s not an SUV, it’s not even worth talking about it. Guys, think a bit further: a good person/potential futur partner (girl/guy/whatever you prefer in between) will not care about your car (as long as it’s not dangerous, working well and isn’t losing pieces randomly), but will care that you made a good financial decision, that you have a budget and are responsible with your money, in regard to your needs and situation. I do not see positively a guy that drives a brand new BMW to flash but lives with his mom’s (for non-essential reasons, like she sick and needs helps or smthing). Even today at 42, I would still prefer a guy that has reasonably chosen to buy a well cared for, 4-5 yo Toyota Corolla instead of being too tight and struggling, living from one paycheck to the next, just because he has to pay his BMW. That’s not attractive imo. Also, 100% brand new Toyota over used BMW. * Marks and models of cars where chosen random, just for comparison and expression of pov.
Couldn't agree with you more. I live in the South now (lived in 7 different States in the US) and the number of houses that I pass that are falling in but have a new(er) car sitting in the driveway would amaze you.
I feel like some shots just got fired at me lol Bought a brand new car for $28000 but I make only a few thousand more than that a year. Hondas do last forever though. ❤️
People who buy an Acura, BMW, Lexus, or similar luxury car but they can't drive it at night because one of the headlights went out and they can't afford the $300 to replace it
My bf earns alot of money, he has +/- 1000 euros to spend freely for every month. A few weeks ago he showed me his bank acc, and I kinda was shocked to see that he had no money... Nothing on his savings acc either. Like, none. And he asked his mom for money to buy an expensive watch ... 😅 😅
@@velvety2006 he only saves up money when he has a goal. Most often it's something pc, games and gadgets related. But he's rather after the quick reward, than waiting a long time..soo he impuls buys alot. I'm worried that, his spending habits / different values in finance is not a good match with mine at all. And if we ever go live together, this is going to be a problem.
@@XxKamaelxX Look you don't have to have exactly the same spending or saving habits, some people save more, some less, and some stuff it in a sock under their mattress so to say but do realize if he has these habits and your a saver and your move in together, whenever something expensive is broken like the fridge, the freezer or a leak caused damaged to the roof you're on the hook for paying for it. so unless you are capable of somehow convincing him to have some emergency money don't move in with him or at least keep your finances separate and make clear boundaries on what your financially expect from him.
The man at 10:00 is how I grew up. I’ve learned from growing up in a family like this to only do or buy what you can hand them cash for. To this day I have zero credit cards, am a single mom of 2 who doesn’t receive child’s support, rent (yes rent) a modest 2 story three bedroom house where I’ve been for 14 years, OWN my own car which I bought and paid for brand new off of the lot, have taken my kids to Disney exactly one time and probably never will again, have zero student loans (thank you scholarships), have college funds for both of my children, have a savings that can pay my bills for one month in case of an emergency, and most importantly….happy children and zero stress about owing money to other people. As you can see we may not have a lot and get to do a lot but we’re happy…and that’s what’s important. ❤️❤️❤️
I still live at home so I can afford to get tattoos go on trips and dress nice. Meanwhile people around me who knowingly and intentionally moved out had 3 kids before 21 and make the mom stay at home tear me down and say I'm only "fresh" because I still live with my parents. Well sorry that I'm enjoying the fruits of making intelligent decisions.
I lived at home until it was financially responsible to move out 🤷♀ and by that time i have saved so much money I could but pretty much everything new
I wish I could've chosen to live at home. For me it was not even an option.
My roommate, he had to sell his house because he couldn't pay his mortgage after he lost his job and now lives really cheap, still without a job, but with quite some savings from selling the house.
He bought a new motor, a model he didn't try at the dealer. Didn't like riding it and sold is for 5k less after a few months and ridibg it twice. A few months ago he got a big tattoo (almost his whole arm), he is now in the proces of getting rid of it. He decided to laser it away a few days after finishing it and told me he was already regretting his decision to get the tattoo after the first of 3 tattoo sessions. Yes, he did the other two sessions as well.
I had a classmate who buys like a new pair of shoes every week. She spent around $60,000 in like 3-4 months.
Her parents must be millionaires. Jesus
60k in shoes? Did she buy golden plated luxury designer boots??
@@SuperCabrito14 Trade i❤i❤io❤❤i❤❤i❤❤k
60,000!?!?!?!?! Ugh god, I'm super glad that my hobbies don't cost me 60 grand every 3 to 4 months, lmfao.
@@angelgjr1999 fuck that! Did they make her fly or some shit? Lol
I found the best way to save money, lost the husband and his credit card never looked back 😊
yawl need some dave ramsey
14:46 your brother paying child support on three kids instead of keeping his pants on
buy the cheapest crap possible.
buy things that are okay ish.
no.buy the best quality you can afford.
some things you can go the generic route,but for the most part,buying quality saves money.
Spend on few items but make sure they're quality. Rather than buying a ton of low quality crap
Going for the cheapest option is almost never a good thing to do, but going for the best quality you can afford is only a good decision till a certain price level. For most products there is a optimum, where a bit better can cost a shitload more. Even if you can afford to pay a shitload more for the real best product, its not always well spend money.
That's not always the case. Check out Linus's video on the $1,000 HDMI cable and tell me that its quality is better than a normal $10 HDMI cable from Wal-Mart.
@@petelee2477 "the best quality you can afford." If you can afford to splash out $1k for HDMI cables, I want to be your friend.
People who complain that they can’t afford basic needs but regularly buying designer clothing brands.
Literal conversation I had with my 21 year old niece.
“So like my credit score is 650 and I’m thinking of applying for five credit cards all for different activities.”
Told her keep it to 1 credit card and budget.
I picked up my friend's kid and he looked at the dash and asked why I have no gas. I said I had a full tank - confused I pointed at the fuel gauge and said it is a full tank. He thought the illuminated low fuel light meant the vehicle had gas and switched off if the car ran out of gas.
I just blow a third of my monthly allowance (im student living at dorm) to buy toiletries, skincare and some kitchenware. Feels like a bad financial decision even though if i go one by one to the items, each are at least 70% needed
This makes my just over $4000 in debt, half it being a student loan look like nothing. Makes me look less of an idiot, even after I have not been the best savings at this moment.
Lending friends and family 👪 money
“I wouldn’t have bought it but it was on sale."
Well, how much money are you saving on that item if you buy it? And now how much money are you saving on that item if you DON’T buy it?
The loot boxes one is literally gambling addiction though and needs help
These are children too
The last guy who literally threw out money bc his wife didnt want it.
Having grown up poor but with a mom and stepdad who liked to pretend they were upper-middle class, but one didn't work hardly at all and the other MAYBE made $60k/yr, my brother and I were constantly given mixed messages. We'd go out clothes shopping or to a nice-ish dinner and spend $1000, then we'd hear our mom and stepdad fight about it for a month and then my poor dad had to swoop in and pay for simple stuff for us, like school lunches, sports stuff, and school supplies. Mind you, we had a SUPER nice house with a 2nd floor loft, a finished basement, pool table, nice washer and dryer, a separate garage full of mechanic tools with a racecar my stepdad only ever got to work for one competition, and a massive tract of forested land. And they bought it all not long before the gigantic financial collapse in 2008, so it was even worse when things went south.
Through tons of loans and cutting corners, they somehow managed to keep it all long enough for my mom to die of cancer and my stepdad to kick us out, but it was miserable at home. Beautiful and idyllic on the outside, rotten at the core.
That’s one thing I’ve observed in Americans: their cars and trucks. So many live in disgusting dumps but still, are proud to show that they have an Infinity or a Suburban, which is parked right in front of said dump 🤯 They make a social status or something of it..?? “Little wiener=big truck” still a thing nowadays?!
People put WAY to much of their monthly budget on a box of metal with 4 doors. With the price of gas lately, have fun paying for that Suburban buddy. Because of course, the great American way is, if it’s not an SUV, it’s not even worth talking about it.
Guys, think a bit further: a good person/potential futur partner (girl/guy/whatever you prefer in between) will not care about your car (as long as it’s not dangerous, working well and isn’t losing pieces randomly), but will care that you made a good financial decision, that you have a budget and are responsible with your money, in regard to your needs and situation. I do not see positively a guy that drives a brand new BMW to flash but lives with his mom’s (for non-essential reasons, like she sick and needs helps or smthing). Even today at 42, I would still prefer a guy that has reasonably chosen to buy a well cared for, 4-5 yo Toyota Corolla instead of being too tight and struggling, living from one paycheck to the next, just because he has to pay his BMW. That’s not attractive imo. Also, 100% brand new Toyota over used BMW.
* Marks and models of cars where chosen random, just for comparison and expression of pov.
Couldn't agree with you more. I live in the South now (lived in 7 different States in the US) and the number of houses that I pass that are falling in but have a new(er) car sitting in the driveway would amaze you.
Man and i thought i was bad with money. I still need to work on it but im not this bad
The single mums with 3 kids who just keep having kids, they always have a Nissan Juke on finance aswell
Me. Made a bad decision, seemed like the right thing to do at the time. Nope. Came back and bit me in the butt.
Yep. Been there.
When your friend puts gas in her suv $5-10 at a time not even getting 1/4 tank. This has been years. Now you would only get a single gallon.
When E F Hutton talks, you don’t listen.
I feel like some shots just got fired at me lol
Bought a brand new car for $28000 but I make only a few thousand more than that a year. Hondas do last forever though. ❤️
People who buy an Acura, BMW, Lexus, or similar luxury car but they can't drive it at night because one of the headlights went out and they can't afford the $300 to replace it
Spending most of your money on drugs.
Oh look a thread about me.
When they constantly need fundraisers….. a loooooot of people on tiktok do that 😬🤦
You send red super chats to Vtubers.
Screaming at financial support
Yay!!!!
Lost count of the amount of sad, obese middle aged people driving around in $80k SUVs to compensate about their divorce(s). All we own we owe, indeed.
Playing Gatcha games
Buying a Mini Cooper
Them electric mini should be better tho
Lambo in the parking lot of my apartment building and Ukrainain mail order bride
This thread has made me have a significant realization that I’m not exactly the best w money
Being aware you have a problem is the first step.
What if the foundation... You know just throw scp 682 into the infinite ikea?
I play Warhammer 40k -mic drop- 🤪😜
:)
My bf earns alot of money, he has +/- 1000 euros to spend freely for every month. A few weeks ago he showed me his bank acc, and I kinda was shocked to see that he had no money... Nothing on his savings acc either.
Like, none. And he asked his mom for money to buy an expensive watch ... 😅 😅
unless this is a one-time thing, please run or you might be on the hook for paying his crap.
@@velvety2006 he only saves up money when he has a goal. Most often it's something pc, games and gadgets related. But he's rather after the quick reward, than waiting a long time..soo he impuls buys alot.
I'm worried that, his spending habits / different values in finance is not a good match with mine at all. And if we ever go live together, this is going to be a problem.
@@XxKamaelxX Look you don't have to have exactly the same spending or saving habits, some people save more, some less, and some stuff it in a sock under their mattress so to say but do realize if he has these habits and your a saver and your move in together, whenever something expensive is broken like the fridge, the freezer or a leak caused damaged to the roof you're on the hook for paying for it. so unless you are capable of somehow convincing him to have some emergency money don't move in with him or at least keep your finances separate and make clear boundaries on what your financially expect from him.