How women and men approach money differently: risk, investment, and return | Sallie Krawcheck
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- เผยแพร่เมื่อ 21 ก.ย. 2024
- How women and men approach money differently: risk, investment, and return
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Women have different financial strategies and insight than men, argues Sallie Krawcheck, the co-founder and CEO of Ellevest, a digital investment platform for women. Female investors have a different sense of why they want to make money, pursue specific goals more readily, and show a unique sense of risk awareness. Krawcheck says it's important for women to play the market and plan financially because there is a real retirement savings crisis in this country which disproportionately affects them.
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SALLIE KRAWCHECK :
Sallie Krawcheck is a financial feminist, CEO and Co-Founder of
Ellevest, a recently launched innovative digital investment platform for women. She is the Chair of Ellevate Network, the global professional women's network, and of the Pax Ellevate Global Women's Index Fund, which invests in the top-rated companies in the world for advancing women. She is also the best-selling author of Own It: The Power of Women at Work.
Before becoming an entrepreneur, she was CEO of Merrill Lynch Wealth Management, of Smith Barney and of Sanford Bernstein. Krawcheck has also been named among the top ten of Fast Company's "100 Most Creative People" in business list, as well as one of Entrepreneur Magazine's Entrepreneurs to Watch. and she has also been referred to as one of the most successful and influential executives in financial services.
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TRANSCRIPT:
So if you think about investing today it tends to be all about outperforming the market. It tends to be about making more money and it tends to be about picking and choosing the right stock, the right mutual fund. Mutual fund versus an ETF. The right money manager.
And that has worked eh, I was going to say well for the population, but frankly it has worked okay for the population. Why? Because the goal that the industry set itself a long time ago of active management and outperforming the market…well less than one percent, well less than half a percent of money managers outperform the market consistently over any five year period.
Okay, so back up. When we did our research with women the concept of “beating the market” fell completely flat. The concept of “winning” fell flat. In fact, even the concept of “making more money” fell pretty flat-sort of surprising to me, it seemed like a pretty good goal.
What worked for women were actual goals. So okay, if I’m going to put my money aside and invest my money, I want to be able to in X number of years buy my dream home, have a child, start a business, retire well, take that trip around the world that I wanted to. And so we found that women tend to be more goals-oriented and focused than men.
Another finding for us: Men tend to, if you ask them the question about their risk tolerance-which, by the way, the whole industry does-men will answer. By the way, they don’t know what it is. We only ever learn what our risk tolerance is really when we go through downturns.
But women we found were, “Oh, oh my gosh. You know what, I’m going to think about that. Let me think about that and I’ll get back to you.” And they never do. It really shuts down the conversation.
And so we instead of asking a question we know people don’t have the wherewithal to answer, instead we say “Okay, let us learn about you through taking you through the product and the capability. Tell us what your goals are and then we’ll tell you essentially how much risk you can afford.” So for an example you and I are the same person. We make the same salary. We have the same level of education. We’re the same age. And you don’t have an emergency fund so you don’t have cash set aside for a rainy, rainy day and you want to have a baby in four years.
I just need to retire, right. It doesn’t really matter what I think my risk tolerance is. You don’t get a lot of risk. I get plenty of risk.
And so we tweaked things like that as well as really - so making it goals based, approaching risk differently, taking into account again that women live longer and salaries peak sooner, forecasting out their life curves.
And then the most important change we found is that most people think of and describe women as risk-averse investors. What we found, maybe a subtle point, is women are risk-aware investors.
And what they wanted was not hey, explain risk to be in standard deviation and “Let’s really go through that statistical analysis,” but more, “Hold on, how bad ...
For the full transcript, check out bigthink.com/v...
All I took from this was, "I was a irrational Feminist and would have called you names until I came to the conclusion myself"
XD
So this is just an advertisement for her platform.
I think this this is great. Women need to take responsibility for their financial well-being and do it in a way that makes sense for them based on goals.
"Men die earlier, that's unfair for women!"
a7i20ci7y it's our only escape. I can't wait to die 😊
But that's the thing, men don't die earlier than women. Men and women have the same life expectancy, and always have. On average fewer men die of old age, because of things like violent crime, or dangerous jobs, two factors that very heavily and disproportionately affect men more than women.
This is why men on average don't live as long. It has nothing to do with life expectancy, and everything to do with men statistically being in more life threatening danger than women.
"men don't die earlier than women"
"men on average don't live as long"
Pick one
He was clear enough, he meant (citation needed) that under the same circumstances woman and man would have the same life expectancy. However, since many man die sooner due to a lifestyle prone to include more life threatening situations, the average favors woman. So, in other words, if risk roles and professions and acts were equally done by both genders, the life expectancy would be similar / same.
Again, just his idea, should be backed up with some study or citation.
Yep. People seem to have this default belief that men and women are the same in a certain aspect/characteristic unless proven otherwise, but there's no reason it would be that way, unless you believe in a God that wanted true equality or something.
What I took from this video is that a few years ago you knew how to not be sexist
She's learned that female victimhood is the best currency out there today.
gantmj yup
gantmj
No not really, catering to you idiots is what makes money. I mean just look at Dave Rubin and Jordan Peterson. Catering to men victimhood is much more beneficial.
"No, not really." So you're saying catering to female victimhood doesn't make money because catering to male victimhood does? Yea, that's not a non-sequitur. -_- All you've done with your comment is show that you're incapable of accepting a truth about "your side" because you don't want to recognize just how similar you are to the "enemy". Sexism on the right doesn't mean you can be sexist on the left--and vice versa. And nice job making assumptions about the people I support and why. Your comment was so full of bad assumptions. Lol.
numberfreee
numberfreee
Funny how you say I’m full of bad assumptions then continue to make bad assumptions about me. Not surprising considering you guys are hypocrites.
Anyway, nope. What I’m saying is that people like Jordan Peterson and Dave Rubin have gotten rich from catering to the Anti SJW type.
What females have gotten rich from catering to SJWs or feminists?
Also, I’m not on anyone’s side here. You can assume that I’m playing for a stupid team but I’m not.
So you admit that SJWs and Anti SJWs are more like each other and are just same. Right? They are both toxic. Right? Because you said they were similar.
Also I was talking to gantmj. You see my comment is directed at him and not you.
I think this lady is speaking for herself
or for woman
Basic psychology, men take more risks, while women look for certainty (on average).
1. How is the competition benefiting men? To win in market you have to be exceptional individual, not just member of a certain gender. Do you think that there are no men failing in business?
2. Isn't women living longer predicated on men beign ones doing the dangerous jobs? Hence getting into accidents, dying and ruining their health faster? If that's the case then the lifespan argument makes no sense.
Hey at least she acknowledges men and women think DRAMATICALLY different on average. I'll give it a thumbs up.
The fact that so many men are triggered by this message means that it is a sorely needed perspective.
Delusional
I wouldn't invest unless I had a degree in economics. Most people with an economics degree invest with other peoples money. There is wisdom in that.
This is a feminist rant.......I was impressed with a few videos and now I'm unimpressed. Let's stop focusing on more money more money but focus on self fulfillment.....
Making more money and winning not a priority for women.... then you're surprised when there is a wage gap. Pfft
They have to act surprised so they can still blame men for it.
What wage gap?
Women approach money with the standpoint of it being something to rationalize as already being theirs, while men approach it as something that they have to find ways to actually earn with their labor.
gantmj
Says who? Women work for their money through labor as well. Rationalize as it already being theirs? Who? What? Where are you getting this from?
BEA
This comes from evolution.
History says this is what women do, and so does modern feminism.
Yes, they do work for some of the money, but they also do much work in trying to take money from men, through the government.
It used to be just through alimony, but then it grew to housing, food, grants, healthcare, affirmative action.
What's most egregious is what feminists are doing now, which is rationalizing that since women as a whole EARN less in the workplace than men, that that means we should pay men less for the same work so that they can achieve their pathological 50/50 goal.
gantmj
gantmj
1) No, it’s not from evolution. Women are not hardwired to think that money should be there’s because they’re women. That’s a stupid idea to say. What evolutionary biologists and anthropologist would make such a claim?
2) Through the government? You do know that women pay into the government to. Probably more so then men since they live longer and there are more of them. And men also take money away from the government. Funny how you are just worried about the women. So everyone is taking money from everyone. This isn’t something new, this is how the government always have worked.
3) I don’t know what to say about this. The two biggest groups that get government funding are college kids and the elderly. Men also benefit from those things to. Most of the things you listed are things both men and women take and put in. Housing, healthcare, food and grants. Affirmative action is the only one.
4) No no no, i don’t like modern feminists but that is not there argument. The arguments is that women make less money then men for the SAME WORK. Meaning the same hours, time, and effort. So, women should make the same amount of as men by increasing women’s wages to match those of her given work compared to a man who does the same work and effort.
And the usual counter argument to that is that normally men are more likely to negotiate higher wages, are more likely to ask for overtime, and are more likely to stick with a company longer to get a higher pay.
I wish there were more legitimate comments/discussions in this comment section.
She peppered her information with falsehoods and feminist ideology, so she set the tone of illegitimacy.
gantmj That’s what I’m talking about. I agree with you. : )
gantmj
Soooo, basically you have no ideas or any data to counter argument her points? You just wanted to focus on one part of the video and think that it disproves the rest of what she said.
Yeah you guys are snowflakes.
+BlindEagle Ace dude, even the this girl agreed with @gantmj.
So why are you defending feminism here? You think she's going to give you beta points? And get you laid? LMAO!
gantmj nope. Not even remotely
It appears that one gender's issues are more prevalent than the other's simply because social species evolved the tendency to care more for the gender which was the limiting factor in a group's reproductive success.
A group could lose half their males and the rest could take over. Therefore male issues (life expectancy gap) are seen as half as important.
What she's talking about is a lifestyle barrier. What she learned and is arguing for is valid minus the pay gap bullshit. Women see investing differently and need a different tack to approach it. Living longer means that in most cases women benefit from the ss or pension etc from a husband. With marriage rates plummeting more women will need investments to account for those issues.
How women approach money? They use their man's money. Simple.
annonym surfer Actually it's the truth.
Barath Kumar
No it’s not.
Correction: use societies money, she is saying society should pay for whamens investing schools. Lets just ignore the fact that man pay most of the taxes in said society...
+Divine Linker
So wasn't my point exactly yours but a little shorter?
annonym surfer Yes it is, but putting it this way it has a chance of being heard. Nobody cares for men, but most people care for society in general.
"Digital investment platform for women", because women don't invest and don't invest in jargon that men do, therefore it's a system rigged in favor of men... or I mean women could just read Investopedia like everyone else. I don't think it's a good idea to rope people into investing without them learning important technical jargon (that apparently only men care about?!). How are they going to be able to accurately read financial reports etc on their investments?
But, but, there's a bull. That means vaginas are not welcome!!
Peter Henderson I think the investment jargon is the same ETFS, betas, variant coefficients I think what doesn't appeal to women is the goal of outperformance. Ellevest would be a life goal based investment. So instead of saying I want to create a diversified portfolio that creates exess alpha but limits risk to outperform the market a woman would say I want to retire by 70 and this is how much money I will need lets maximize my portfolio returns to achieve that goal. What she is saying is investing to just make money is not that attractive to women.
+Meghan Ciuffetelli
Women don't want to invest, they want to spend; women controlling 80% of the buying power show that quite clearly; while men pay 75% of income tax revenue. So much is not said in this video.
Women who want to invest, do so in a manner that this woman can't comprehend. They invest their whole future (high stakes gambling if you ask me, props to these women) in a man who will earn a living for her and her children and her retirement.
Women in my family line were all much more investment savvy than the men. I wonder if culture or genetics has anything to do with these differences.
Clint Carpentier I think we need to be careful regarding generalities about wants. Do women contribute less to retirement accounts? Yes, women make less money so even if men and women contributed the same percentage they would still contribute less money. Are there more women at home taking care of household responsibilities than men? Yes therefore women make more purchasing choices than men.
I remember a time when the titles of videos in this channel gave a clear picture of what was going to be in the video. I miss those days.
Why do subtitles always turn off? I have them globally forced on, but constantly find them initialized "off by default". Every video I have to F+C instead of just F (F means toggle full screen, C means toggle closed captions). And 2x speed takes like 4 clicks... Can't globally configure that as my default playback speed.
This is one of the most sexist things i have ever heard.
How's that? You needn't co-opt the rhetoric you probably hate; that of SJW's. Men and women _generally_ act in certain ways, this is a fact.
Because
How is this sexist? 🤷♀️
Financial planning for most women: find rich guy, marry rich guy, divorce rich guy.
@BigThink: can you start requesting that when speakers make dramatic claims to cite their sources in the Show More?
The majority of this talk felt like grandiose generalizations on men vs women without much back up. Plus many of her points seem to be oversimplified when issues such as pay-gap are tough to reduce down to "personality differences between sexes"
So it's mainly the difference in communications and explanation that is adressed? Generally speaking to do things more "goal-oriented" doesn't really change the product since it'll still be assets one way or another, won't it?
It didn't seem like the video was titled well. It seems like the video just described women investors, and men were only mentioned to provide contrast. However, I didn't get a hugely negative vibe like most people.
Anytime it's a video mentioning women, the comments section is a cesspool of closeminded trollfuckery.
Just couldn't understand what exactly are you trying to say?
First of all rather it be a man or a woman without having financial education both will end up loosing money in the stock market hands forth☝ and second of all I just couldn't understand what your offerings in this video? Is it financial education for women or just another mutual fund advance?
She's saying that:
1. Active wealth management almost never is worth the money
2. Women don't invest
3. Because they don't fall for the macho tropes
4. And are more risk aware
5. Which means that starting a company for women investing is good
6. So that you can take care of their issues
7. Such as an earlier peak income
This entire video is just an advertisement for women.
@Pixel Fxe, wow, you need to work on your comprehension, Pixel, if that's what you got out of it.
Wow. The amount of sexism in the comment section is astounding.. Even though I personally like the entire feeling of the stock market, I do agree with the speaker that many women find the concept unappealing or too risky. I don't think that's a biological thing per se, but more of a consequence of years of conditioning. Regarding jargon however, I do think that's a core element to educate yourself into as it's simply already the way it is. It's also not practical to change the terms used in science. In the end I think that - as women - we should all open up to the possibilities of the stock market and how we can benefit from it, instead of seeing it as something 'manly'.
What you're reading is how men really feel. Get used to it. Thanks to the internet, men are comparing notes like never before.
Something in this video (also from the Like/Dislike counter btw) tells me we need more Women watching BigThink Channel.
Just an example of one man and one woman approaching money differently:
Me: "We're nearly broke. We need to cut back our spending. We need to budget. We need to earn more."
My wife: "It is literally impossible to run out of money. Money is a bottomless pit. If I clear out the bank account, the magic money fairy will put a load more in."
We're going to divorce soon.
Good decision . Please watch Coach Greg Adam's here on TH-cam. I promise you it will be of tremendous help to you.
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His telegram is
stevehendricks
What a blessing this man is to our entire generation, he’s been of great help to me so far…my investments with him has really given me much money than I ever imagined
That’s grace, I mean I was loosing before I met him but everything is good now all credits to Steve
Men will invest through "jargon" and women won't? Oh so women won't put in the the effort to actually understand how things work? Jesus....
I totally get what she's saying and I agree. can't understand the many dislikes
Average male and female priorities differ.
This makes men prefer money and women prefer whether they like their job
Let's retitle this one "Tiny Think". Although well spoken, Sallie Krawchek does not have a large enough sample group to make any of these claims scientifically. She can only state, "In my experience...". This is not scientific in any way. Not a good post. It's full of misinformation and creates problems rather than solving them.
I missed the part of what the difference is
the pay gap being due to sexism is a myth. Maybe women should work as much as men on average and choose the jobs that men do. Also, women should negotiate more/better.
The God Emperor citation needed
I'll let Maddox do the work for me :)
thebestpageintheuniverse.net/c.cgi?u=hire_women
The God Emperor i asked for a citation not a fucking blog post on a random website you found. cite me where the "pay gap" is a myth and which study shows zero sexism as nonexistent.
Try again.
"We live longer!... thats completely unfair" indeed.. you have my sympathies for that burden..
Fun fact: Women make 80% of market transactions.
Although I dislike the polarising dialectic you (and I) partake in here; I sincerely hope your business model is successful. Despite reservations; good luck.
I also hate this idea of "working hard to close the gender gap" All that means is that our government gives tax incentives to hire women which is essentially affirmative action, all while the government is essentially making decisions for women, or at least coercing them into those decisions through financial bribery. The pay gap is a result of individual choices, and the government feeling bad about that by forcibly changing the landscape is not the answer. It's unnatural and will backfire one day, if it hasnt already.
I work in a school and am a minority as a male - where the hell is my affirmative action? But no by all means, take taxes out of my small paycheck and give it to women because they're women and deserve more money than me.
Guys, what do you find so wrong with this video? Sure, it is kinda hard to understand but it doesn't deserve this much dislike. I as a guy think what she is saying is true to a quite high degree. What she said is this:
1. Women are risk-averse (even though she said aware haha)
2. Women live longer after retiring, obviously you need more money if you live longer
3. The investing, like brokers, uses a lot of language that is tailored more for men. Imagine when you go to invest your money then your broker tell you how this is gonna make you feel happy, bring love and peace to the world, etc all the women language they speak. You'd feel more repulsed by the idea right? This is the same
4. Fucking get a larger brain the people who are disliking this just because she said females need different type of brokers and different way to understand their investment. You guys are like the male equivalent of feminists
Why women don’t save as much? I don’t know maybe it had something to do with the 10-15 packages from amazon my wife gets a week. A good amount of women have an awful consumer mentality. Makes sense they are fearful of risk as the thought of losing a pair of shoes they will never wear frightens them
It's almost as if there was a difference between the way men think and the way women thing. Who'd have guessed?
Feminist Rant?
It isn't idiot, watch the video!
*+Lumba Lumba*
Maybe he's asking because he doesn't want to waste time on feminist propaganda?
i did. essentially it is a feminist rant. she brings up the wag gap which honestly is a myth. not to mention she goes into how investing is blocking women out which honestly i dont see how it is and that women live longer
The video turned into feminist nonsense around the halfway point. It has to poison everything.
Funny how people are saying this is feminists bullshit without actually addressing the video in question. You guys are truly triggered snowflakes indeed.
Maybe my lack of initiative isn't my fault... maybe... it's the patriarchy.
I was all aboard until I heard the words “pay gap”.
That’s when the logic left the room.
Once, just once I would like to see something launched and embraced by society that is branded as "just for men". I'm sick and tired of all this positive discrimination towards women. If we're equal, don't distinguish.
How about you do it
Nic Z I believe it can't be done. Just look around, men are blamed and shamed ask the time. Look at popular TV sitcoms. The men are always the clumsy doofus (Simpsons, Family guy, the office...). Even in commercials, if there is something stupid or ridiculous, always a man doing it. But still women keep saying they're oppressed. They make different choices and should way the pro's and cons of those choices. My wife works half as much as I do. I make double she does. She sees the kids more than I do and has a less stressful life in the short and long term. Nothing wrong with that. Just don't blame me for making more money. I make other sacrifices.
I wonder how many people instantly dislike the video based on the title, or sexists that disliked right at the start because they see a woman talking about money. It would be interesting to see those numbers.
James Wilson
A lot.
And they were right about it.
She is clearly a feminists and talking about myths like the wage gap.
annonym surfer - There is a fucking wage gap - It's not a fucking myth. What causes it is another issue, but that wasn't addressed in the video at all.
+Nic Z you must be braindead.
There is no wage gap. Women are paid the same wage as men for the same job.
If there was a wage gap and women were paid less then men for the same job employers would only hire women, it's fucking logically simple, how can you not get this?
If women earn less is because they work less, or because they work jobs that are paid less, not because men are paid more for no fucking reason.
Oh wow. You quite actually live in another world, I see. Do you have stats that back up your claim that there's no wage gap? Also, by your inane 'logic' wouldn't all employers just hire kids out of uni / college ALL the time if they wanted to keep their wage expense low???! Dear ignorance!
She's saying nothing different than what financials advisors already do...
Who is next of kin when a man dies?
His wife.
So who gets to use all that investment money and retirement funds from a successful life?
The woman. Not the one who worked for it.
very circuitous video, but i think i got it: women invest less than men and hence end up poorer in their longer existence as pensioners than men
If you the video had cut off at the end of the text, then I don't think there would be more thumbs down than thumbs up. Admitting that you are a feminist waiting for a trigger to set you off, even when you admit that you were previously utterly wrong to be triggered, turns off the majority of viewers.
"Broke" doesn't have gender.
So... "How women approach money..." might have been the correct title?
I like her business idea, but I don't like how she presented it through the gendered lens. I think, in addition to the investing companies that exist now, there should also exist companies that help people get into investing in a more feminine way. I think she articulated that more feminine way.
I don't like that she made it a man/vs/woman thing. I don't like that she made it sound (maybe she doesn't actually think this way) like men were acting in this way specifically to oppress women. I also think many men would prefer the introduction to investing that she articulated over the introduction they would normally get. I do think more women than men would partake in it though.
I often read and watch theories without bibliographies.
Wow people dislikeing before watching it.
Because blaming an investment gap on patriarchy creating a phallic investment system is ridiculous.
By all means, market to women differently because they are more risk averse and they need different encouragement to invest but don't blame it on patriarchy ffs.
I thought women were better to invest in than men with microloans in developing nations?
slayerOf DangerNoodle "blaming investment gap on patriarchy" funny those words were never used
I watch this until it finish and I dislike it. I consider myself pro-women rights. But even I know reverse sexism is not gonna solve sexism or the industry. This is just men-blaming.
Woman spend 100000 on a bag. While men save this money to buy home
the gender separation is just a marketing tool, all she does is find someones risk/return preferences based on their situation, gender is just one variable out of everything she talked about....NEXT
I think I’ve just heard the dumbest thing. Does this person understand what beating the market is? It is making more money so that one can spend money. This is something that men do that women should emulate. The bull as a phallic symbol. Ohhh, I think I’m going to cry.
I love this conclusion: women have it harder because they live longer and the money has to be spread thinly over that time. Oh wow I feel sooooo bad for you. You know where I'll be while you're clipping coupons? With sweet baby Jesus!
Seriously though, even men dying far earlier can't even be a men's issue, but is merely another way in which men control women. This women's movement is grasping at straws as it sinks ever more into quicksand.
If women life longer why not work longer until you go to pension, yet again they expect men to pickup the bill for their life expectancy privilege.
And once again there is nog wage gap there is a income gap. which is caused by choices women make.
Women don't actually live longer. Kinda lost me here, because this is a simple logical fallacy that tells me that this person doesn't understand statistics correctly. Men and women have the same life expectancy. The reason women statistically live longer, is because men have a higher chance of dying from violent crime or an accident at work. All things being equal, a man and a woman living similar lifestyles, the man will live just as long as the woman on average.
So, if you are using this, rather major misunderstanding of statistics, which is important for investments, as one of the foundational platforms of your forecast, it really brings into doubt the rest of your plan.
I don't understand like she really said anything. It's like I was listening to a schizophrenic jumping from point to point without any resolution.
WAIT A MINUTE! Are you tellin' me that men and women...are different???? NO WAY!!!!1
It’s bias and sexist. “digital investment platform FOR WOMEN” 3:57. Wow... 5:00.
So you wanted to help WOMEN because they lack MONEY. And your answer is help them get on wall street? The majority of investors male or female are past a certain point of financial success. The vast majority of Americans dont have invested outside of something they get from their employer. If you actually wanted to help ALL WOMEN get MONEY you wouldn't be focused a niche sector that is mostly populated with people that already have money...
It's like saying. I'm gonna help women afford contraception by passing around birth control in Beverly Hills. Terrible use of resources
5:30 That went from reasonable to crazy as fuck conspiracy nut real fast LOL.
Oh wow another person on this channel saying men do it wrong...
I'm 16 and I have a long way to think about this all money shit...women your lipsticks shines brighter than my future
Investing for the future? The future is becoming increasingly illusive.
Has no one told this person that there is no wage gap?
There is a wage gap
Lol all the butthurt twats who didn't watch the video with an IQ lower than their age raging against complex issues.
Jesus fucking Christ ... so let me get this straight - women don’t invest as much as men, but this is men’s fault ........... ok
Right wing propaganda!
"We'll get you back on track...." snake and indeed oil.
Her retirement plan: Divorce
Red flag1: “Men arent that goal orientatend”... Its men that care about results, not feelings. Generalizing ofcourse. Happy < “Winning”
Red flag 2: “gender paygap” when talking about investing...
I want my wasted time back
I live with a woman who is more successful than me and I'm fine with it.
Sounds like a marketing scam to separate old ladies from their money when they’d need it the most.
Before watching I saw stat and start laughing :)
It doesn't matter if you are a man or a woman. Be disciplined and every month buy SP500 ETFs, that it.
Waahhh waaaaaah waaaaah.
Maybe if women were good at something other than complaining they wouldn't have so many "problems."
Started good, ended like shit. No.
Haha, we drive better, and play games in hard mode better, haha.
interesting
Women tend to spend more money than they make. But still they go for the lower paying jobs. No ambitions other than to hope they can hit the jackpot by getting a boyfriend with a lot of money.
So tired of this type of shit. Everywhere. All the fucking time. Downvoted. Don't @ me.
I haven’t watched this yet but I’m thinking it’s gonna be bias. Well see
Mmh for this clip the channel turned into Little Think
Doesn’t seem to be to informative and is lacking substance
Ah the collectivist identitarians.
I'm a simple man. I see a woman speaker. I stop the video.
annonym surfer Cute
"I'm a single man" fixed your typo
Do you have a quarrel against women or something? There's multiple post from you bashing women on here.
+Gordon Hamsay Did you get laid after your passionate defense on behalf of stronk independent wymyn?
So much hate to surfer, you're deliberately ignoring stronk and independent wymmyn's nagging
i disagree with what she says so it must be incorrect
Yall need to chill out lmao
Very highly biased and subjective interpretation of a broad topic. On serious note the channel needs to read what she said before posting the video
what is the point of this?
Duuuuuuuuuuuuumb
xD just kidding. But you're still silly.
what balls
Lol