What was the craziest part of this video to you? Have you ever felt pressured to keep up with a certain lifestyle? Do you think that most people are living above their means? Also, what percent is your phone🔋 on? It's 1:08 A.M. and my phone is on 55%. 😭
@@SocialSymone Were these questions for me? If so yes most of the world is caught in the illusion of Status and Power Success,and it will continue until it runs its course for each person,but the question is Which if any will wake up to the lies the world relies on to keep the Wheels of Profit and Control going,When we're hungry we don't give a dam about A brand of Shoes,When we're Cold we don't care who's name is on the Coat or Blanket,Life is simple but Humans especially those who Profit from the Majority of everyday People,Need a source of Continued Exploitation to Over fill their Vaults,Next my Battery is 100% im on the East Coast so its 12 Noon here,Sorry to Disturb you.Have a great day when the Sun comes up.
She will never get out of debt. She’s just full of the same woo-woo, new age, TikTok psychology buzzwords. You can get out of debt when you work, save, and pay off those loans.
What’s crazy is she knows how to deal with it, but is choosing not to? Like having worked in finance and paying off high debt twice before. That is what makes this whole thing so weird to me. It honestly is coming off as she found the woo woo new age world and is like “oh this will solve my problems!” But in reality, it won’t.
Like damn if she used to be a side chick at least finesse something out of it, NOT a debt?! If she had to max out her credit cards to keep up with his lifestyle then she should’ve asked him to support her financially.
Is anyone else seeing this as mere virtue signaling without action? To be clear, we're not judging her bankruptcy; just her lack of changed behavior. What's the definition of insanity?
I’m judging her bankruptcy. Guess who ends up paying for that? Everyone else, with higher rates. Just like your insurance is more expensive because of all the idiots who text and drive
the cheating analogy… “i dont judge”… GORL PLEASE sometimes things can stay in the brain box 😭😭 lets not normalize cheating REGARDLESS of it being a silly analogy omfg
She used it as an analogy because she wanted justify her actions because it was still weighing on her (she admitted that she was in an affair in her 20’s) and I’m sure she was refraining from spilling someone else’s tea at the gym she brought up “knowing things behind the scenes” and cheating is usually one of the things that happen regularly (mostly with trainers) “You shouldn’t judge people who get into debt OR cheat on their spouse or lover” That was the moment I’d had it with her
@@toidIllorTAmI to piggy back off this thought; shes also just straight up not addressing the root cause of going into severe credit card debt THREE TIMES!!!! like “giving it back to god” and her being okay with her choices does nothing but enable her to keep doing this over and over
I think she’s using real actual life example of the people around her that she knows. Both the cheating and the woman with image issues. Lmao! Airing her friends shit on here. Or she’s the affair partner.😂
1. She talks a lot of fluff but mentions NO actions she actually took to pay off her debt. 2. Money has a lot to do with perception, beliefs etc, but at the end of the day, it’s actual numbers- you need to spend less and try to earn more. Trusting higher entity or changing your definition of yourself can only go so far Just Spend LESS 3. She made ZERO changes as she wasn’t paying off her debt cause she just went and filed for bankruptcy!!
I was wondering the same. Is this lady going to stop being irresponsible? Because all I heard was a bunch of self-admiration word-salad talk. That isnt making that 40K go away. You dont have to feel "shame", but that debt isnt your therapist, and it isnt going to give you a hug.
When you are bankrupt, credit cards won't accept you so idk where she thinks she is going to get this money? She needs to work 2x as harder for her money.
Many people don't want to hear this but it's true. Spirituality can help, but not when it becomes spiritual bypassing. I wish her well, but accountability is needed to lower the debt.
I noticed that too, I had commented elsewhere but it sounds like she’s using “shame” as a buzzword to excuse her spending. Shame can be helpful or harmful depending on how it’s used. And it sounds like she’s trying avoid feeling shame over her debt. But when you don’t feel shame over doing self harm or any kind: you just keep going deeper. Doesn’t matter if it’s one more donut, one more hit, one more shot. If you’re numb to the shame then it keeps going
As a therapist, it seems like she is at step 1 in the process (acknowledging she has a problem) and thinks she is further along than she is. There still seems to be a lack of accountability and some delusion/avoidance in the way she speaks. I hope she gets a good therapist and some financial accountability to help her navigate the long journey ahead.
Hi, I really appreciate your commentary. How would someone move from a position of avoidance and delusion into a position of taking responsibility/accountability in regards to any area of life? For instance, is there a general formula that can applied to any area of life where someone is avoidant? Thank you!
@@Sababbbythe therapist can weigh in on my piece but personally i think starting with S.m.a.r.t goals is a good start (its an acronym look it up). Something that shows progress might be in her situation might be: “this month i cut my monthly spending by x% so I can put more towards my debt and not spending”. It doesnt have to be huge at first but small steps will help you build momentum.
@@Sababbbyidk about what is general advice but I can offer my trajectory. I was an overeater and shopaholic. Step 1 was admitting I had a problem. 2 was figuring out why I was doing it with a therapist and a dietitian (for spending, go to a fin advisor). Then I found some new coping mechanisms. Along the way though, I still had those cravings so I found safer ways to indulge them. Like with food, seeing large amounts of food makes me feel safe so I started meal prepping and eating raw veggies to get the sensation of feeling over full. For spending, I would instead look for that special item for resale. Or I'd see if there was a budget way to recreate it. Like if I wanted to try out a new type of painting, I got a cheap version of the paints with a coupon so I was spending $20 instead of 100. Ultimately it requires developing self awareness and some honesty. I'm still not perfect. My binging is in remission but it can always come back if I don't keep aware of it but I also don't miss it and every day it's less work to keep it in check.
@@chickpea you know Caleb would be so upset that she filed for bankruptcy at only $42,000!! (I say only but it’s still a hefty amount, no doubt. Just comparatively) He’s had people with 6 figure debt and was still hesitant to recommend it!
Agreed. I’ve become wary of the woo woo shit because of the way these “love and light” people will turn around and weaponize that language to be the most despicable people you could imagine
Her vibe is just off. Filing bankruptcy instead of paying off the debt, the lack of a debt repayment plan in her original video, her use of manifestation language, her oversharing of her personal life and being a home-wrecker...
She says "I'm still worthy" but that's her problem- she thinks she's "worthy" of stuff she can't afford. She refuses to learn anything, and she sure as hell isn't "looking at everything honestly."
We feel shame for a reason. If you don't ever feel shame about it, you're not ever going to change. Giving it to God is not a game plan You also don't get to dictate how people react to the public information you put out. I think this woman is hugely egotistical and is using some manipulative techniques to shame others in order to feel better about her situation.
I also noticed she shifted culpability to god😅 She’s definitely going to continue this behavior, I don’t think she’s dig deep and analyzed herself to figure out why she’s spending like this and how to stop
I think i sort of agree with you in some cases, like certain harmful behaviors should be shamed a bit, but not everyone's psychologyworks exactly rhe same. Gotta do whatever works. Shame just doesn't work on everyone. Sometimes you need a different vision to chase after instead of shame to run away from if youve become numb to it.😂
@@Iquey what do they say--guilt is internal, shame is external? I believe that we can be overly concerned with what other people think, but if you don't feel shame in genuinely shameful situations, that can be an issue as well.
Hearing people talk about debt almost feels like hearing people talk about weight. you yoyo diet/lose the same way people yoyo get in/out of debt. ur self worth gets tied to a number. ur tolerance for money(food) gets higher. im a person who has battled weight all their life and hearing these people talk about their debt is so similar to that experience that i feel bad and know what its like. whats helped me get out of the cycle was having a goal. And not just a "i want to be 50lbs less" because thats just like "i want to be 20k less in debt", WHY do you want to be? do you want a house? do you want to have a family? do you want to live a more stress free life? in the same way i started asking myself "why do i want to be smaller?" and i found that i wanted to box again. i wanted to be able to take longer walks, i wanted to feel less tired, to hurt less. it became less egotisical and more honest. I think tahts what needs to be done with people who want to free themselves finanical. Have a goal, have a WHY and make sure that why serves YOU and not others. Dont feel shame about how you are, its a moment in time and tomorrow can be another moment, and a better one
This!! I've struggled with weight so much all my life. Never had a specific why. It was always superficial and couldn't maintain. My dad's stroke and passing was my light bulb. I don't want to die when my child is in his 20s or even teens (my sister is 11 yrs younger than me. I'm 28 and she's 17). That's not fair to the kid. I want to be apart of my grandkids life instead of leaving a 4 yr old grandchild grieving having to carry the burden of death. I'm losing weight and making better habits to maintain and improve my health for my kid and potential grandkids.
This is so beautiful. My struggle is debt, but it is so similar to what you are describing. I have screenshotted this and will come back to it, because my issue is not my mindset or my habits. I’m not spending and I’m almost out of debt and yet still feel bad about myself. My self worth is still tied to material things that I think make me ‘more worthy’. You just helped me articulate why changing habits alone won’t get you all the way there. Thank you thank you thank you!
Her blaming it on her “scarcity” mindset doesn’t make sense because that should mean you would be so anxious of spending it and you would be hoarding the money in your bank account. She is just using all kinds of excuses that make it look like she was helpless instead of saying “i was materialistic”.
Exactly, her beliefs around money is to SPEND SPEND SPEND 🤑 Its good that she’s looking inward but she’s not confronting the overall issue- buying stuff you do not NEED!
It’s a difficult concept to understand. She said she’d have money in her bank account and would still use her cc. I’ve seen people with money in their bank acct and still pay bills late. Not bcus they forget but they didn’t want to spend the money until more came in. But again it was more than enough. I worked at a bank and saw 30k in a man’s acct and he would not sign up for bill pay to avoid the late fee from his cc payment which wasn’t much in comparison. I was confused but after you see it a few times you know it’s not cus they don’t have money it’s deeper than that.
Right? I grew up seeing my mom so worried about money that even though I earn a very good salary, I am absolutely terrified of debt, pay my cards in full every month and even though I could afford it, I am still scared of the idea of a mortgage...
She used that to explain why she used her credit card even though she had the money on her debt card for said thing at the time. There are nuances and she explained that when she brought up the scarcity mindset
I did my overconsumption era when I was in my early 20s (2015-2019) I had a $10K debt just by shopping in less than a year. It’s crazy. Now I just get gift card if I need something online instead of doing a spree with a credit card. I only buy things on my style circle instead of buying microtrends that dies off in a few months.
This woman is broken in more ways than one. Between the debt, involvement in an affair, the plastic surgery there’s a lot going on here and I have it feeling that it goes deeper than what she says in her videos.
Dang, I didn’t know about the other things. She sounds like she has some kind of dopamine addiction or something. Idk if this woman can help herself, maybe a therapist could help
right and declaring bankruptcy is only a bandaid. she uses a lot of spiritual language. Been there, done that myself. Using spiritual language isn't the same as healing what caused the issue in the first place. If she doesn't participate fully in things like trauma therapy she's just going to get right back into debt and declare bankruptcy again.
Absolutely this, there's a lot of things to unpack with her story and it's clear that she's struggling. This isn't even about the finance at this point she needs serious help. I'm glad she's being transparent, but she needs more action and to focus on how she can get herself out of this mess.
17:43 but notice how she didn’t answer the original question! Why are you filling chapter 7 with $42,000? That’s a debt that CAN be so loved without bankruptcy fees and cost
@@Rebecca-ci3zc My concern is moreso that her lifestyle hasn’t actually changed. That if she can afford bankruptcy fees, then she can afford to be on a payment plan for her cc’s. This is just her “quick way out” that is about to hit her. Her assets, her credit score in the 100-200s, etc all instead of paying off her debt slowly but purposefully!!
If she’s filing chapter 7 that means she under the medium income for her state. In my state the medium income is $51k. So if you have $42k in debt it would take you 10+ years to pay that off. Assuming you aren’t being sued. Utilities aren’t cut off and your debt isn’t accruing interest. I’m about to file chapter 7 with $60k in debt not including student loans. I’m being sued by Baptist health for medical bills. I make too much to apply for assistance. I just had to leave my job due to medical issues and they cannot make reasonable accommodations for me. I had to take fmla last year which is unpaid. My medical debt has 6% interest approved by a court along with wage garnishment. And now i no longer have health insurance since i don’t have a job. I could continue insurance through cobra but that would be $554 a month for a high deductible plan. I did get hired at hobby lobby part time but still haven’t been able to land a new job. I’m over qualified for all the jobs I’ve interviewed for and have been referred to senior roles yet never get interview for senior roles. So I’m basically stuck. And i also cannot afford my neurology appointments to actually continue receiving treatment for my epilepsy. There’s literally no help for those who make above the means income but are still not high earners. The only way i would’ve gotten some relief is if i would’ve had a baby this year. Which i ended up having an abortion due to my financial and health situation. But now im like gosh i should’ve had the baby then i atleast would have healthcare right now.
This woman has no discipline, and no accountability. You can talk about “self-hate” and “coping” all you want but at the end of the day, you KNOW the difference between right and wrong, and what your responsibilities are, no matter how “traumatic” your childhood was. Even little kids know the difference between right and wrong, she knew what she was doing in early 20s and she knew what she was doing this time. She’s never been held accountable and it shows.
I thought she was going say I have a plan to pay off this $40k I thought she was going to ask for advise on doing a budget, what to cut from her lifestyle, what to save. Work hard for a timeframe, I don’t know. I’m not judging I don’t judge people but giving it to God and file for bankruptcy. Is a question I have, if she doesn’t change her money habits money won’t change either, right now she is feeling guilty which I understand but I really hope she learn her lesson
Idk if I agree that filing for bankruptcy is taking accountability. Taking accountability is changing your life and paying it off. This isn’t medical debt we are talking about here. She did basically nothing to change her habits except pat herself on the back and honestly, these are the types of people who do bankruptcy and then go right back into the debt. I had 25k of credit card debt from when I was in college and trying to get by. I’ve spent the last 3 years paying that down and sacrificing and I’ll be done in the next 12 months. I don’t like women like the who give their excuses and then change nothing about their actions
Oh that is a good discussion actually... You brought up taking accountability. I wonder if most people would consider taking accountability be them paying it off or them admitting there discrepancies and changing them for the future... 👀 might have to do a poll asking this question friend. ❤️
This whole thought process reminds me of student loan forgiveness "if I had to deal with then so should you". Sucks you didn't know the laws that are there to protect you from the predatory behavior of these credit companies but that doesn't mean she's doing anything wrong by utilizing bankruptcy. Get off your high horse and stop shaming others because you feel superior because you put yourself through the punishment of fighting it. Good grief, grow up.
i ran up a credit card to 2k once, but i paid it off months ago and have been considering getting one again, but after seeing this first clip im no longer convinced that i wont make the same exact mistake
I was like this, but I needed one to improve my credit score and my credit limit on it is $500 😅 yesterday I got an email saying they wanted to increase my limit and I ignored it because I can pay back $500
i think you can train yourself to be responsible about credit cards but you have to take it slow and careful and do everything you can to avoid thinking of your credit limit as free money. putting a few reoccurring charges on it and paying it off every month is a good start. then maybe you put groceries and gas on that card if you're successful. Over time I've become a person who puts everything on a credit card and pays the balance every month for cash back and airline miles. It's worth it ONLY if you can make a commitment to yourself otherwise those perks are not worth the interest they'll steal from you.
Her piece of jewellery, if real, seems to be from Jewels Morganne Bello, a Green Agate and Diamonds Yellow Gold Victoria Diamonds Necklace. Normal cost is $1,160.49 and on sale for $73.60. It could be real, a dupe or a gift. We don't know but I doubt you will get that much for selling your jewellery. She should definitely change her lifestyle to more frugality but I think her wearing makeup is fine.
I was at ~$50,000 in cc debt (also started with an 18k vet bill, i have pet insurance now) and i have been working so hard to pay it down without filing for ch 7. I’m now at about $11,000 and should be paid off in spring/summer 2025! Love your channel, it’s really keeping me motivated in this last stretch to not repeat my same mistakes.
Not making up to a million before retirement is unfulfilled retirement.!! I’m 54 and my wife 50 we are both retired with over $7 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle in the stock and forex market made it possible for us this early, even till now we earn weekly.
I hope she's not in a relationship. Her idea of dealing with problems is saying, "Sorry" and not doing anything necessary to FIX the problems. Letting everyone know about your financial issues isn't DOING anything proactive. Ugh she's insufferable.
She talks way too much for me, I tried to hear her out but it sounds like she’s trying to convince herself this is the right choice and that she won’t repeat the cycle for a 4th time.
I had lots of shame around my finances, and the craziest thing is that I would never shame someone else for their road to figuring out finances... But I would be the worst to myself
@@SocialSymone i never thought about it like that... When I'm stressed I'm spending like crazy and restricting my food (from stress) but when I'm happy I'm more frugal and have a crazy appetite... I wonder how many of our behaviours are related to stress & soothing...
At the end of the day a lot of people are living above their means which is why so many people are in debt. A lot of people financially should not be living by themselves, having kids, having a car payment, or having pets because they can’t afford it.
Some aren't looking to spend a whole lot of money, life pushes us into that situation. I was forced to buy a car because my rust bucket was sandwiched in between two other cars. Without it, I couldn't get to work and my job didn't care.
Agree, ignoring the costs of moving into a larger home, having another baby, buying an expensive car- just because they think it’ll make them “happier” but it’s really setting their futures back by racking up financial debt and emotional stress. Poor lil kids who never asked for household stress because their parent didn’t plan for their kids future.
OMG you're right! I went back to 0:50 and watched it over and she mentions the affair and that she paid that debt off and then she got back into credit card debt and then paid it off AGAIN for a second time and now she's in debt again at $40K so this is her third time in debt, she did say this is her 3rd cycle of credit card debt. She did later mention that this debt is still related to the affair but she also mentions she made some financial risks last year. She's learned nothing and now bankruptcy has given her an out, she'll be back in debt in a few months, I'm sure.
I've been in debt my entire adult life and I'm 42 years old. These last few years I decided to change my situation and gradually paid off all my debts. This year I am finally debt free (except my mortgage) and it feels fantastic! I feel this huge weight lifted after 20+ years! I'm now excited to be able to save up for the things I want and I even have an emergency fund.
Build that emergench fund. It will prevent you going back into debt if something happens! Mine is alomost already covering 6 months lf expenses. But I skipped all Holidays this year. Although I had no cc debt, I dod had a personal loan to get dental implants! I paid that and only the mortage now as debt.
@@em7937 I have 2.5 months already and aiming for 6 months by the end of next year and then I'm going to make additional payments on my mortgage. My future now looks promising, instead of envisioning endless debt I now see a comfortable retirement.
You should be very proud of yourself! If you were able to meet those debt payoff goals, I'm sure now you are seeing your net worth explode! It can be a learning curve going from debt payoff to growing your wealth, but I have full faith in you@
She can say it's not moral, but as she goes on, she unwittingly starts defining the morality of the situation. Tax payers footing the bill for your irresponsible decisions and insecurities is immoral.
my mom filed for bankruptcy and it's probably the best thing she's ever done. not just because it wiped out her debt, but because she took it to heart. she vowed that she would never get into credit card debt again and keeps that vow. she is so much less materialistic and more honest with herself regarding money. she learned so much and im so proud of her. times were tough but we got through it.
I was a single mom making 40k and no assistance and clawed my way out of 30k debt. She definitely doesn't need to file bankruptcy over 40K. It can be done
Honestly I don't know what she does for a living. I think it could be done depending on how much she makes, but it would take sacrifice and discipline of course. Perhaps this was in her opinion the best route to take, but I can't speak for her.
@rikkifashionhouse6592 exactly. I've listened to enough Dave Ramsey to know that discipline and a change of mindset will accomplish paying off large amount of debts.
Interest rates exist. P L E N T Y of people file over $42k or less. No judgement from me. Interest rates will ruin you. Maybe you were fine, but we don't know her exact situation.
feels like she's trying to convince herself she's doing the right thing. unfortunately telling the internet your business isn't the same as actually tackling the problem
The only thing she’s saying rhat I don’t agree with is that you don’t need to work hard. You do if you want to pay your debt off. AND you have to work hard to do the reflection and STOP the debt collecting behavior. It’s all hard work. That is all 😊. We got this yall.
I mean... i kind of agree with her... you can work hard to get rid of the debt but unless you change your mindset/subconscious like she said all that hard work will only help so much because you'll be doomed to repeat it despite all the hard work
she said the solution to getting out of debt isn't ONLY working hard. Like for example the show my 600lb life - most of them could work out as much as they want but they're going to end up where they started if they don't address the psychological relationship with food. Yes it would be bad advice to tell someone in that situation "Just work out".
Yes I agree with you!!! And I thought maybe she said that because she may be makes enough money to where she doesn't need to work harder. She might just need more discipline and that is the case for some people but a lot of people do need to work harder and to get more money and that's why they need to look at their budget. ❤️
I don’t disagree with y’all. I’m saying whether you need to pay the debt or stop the behavior, it’s still hard work because you still have to do something.
"I cheated back when I was a flesh and blood human lifeform, but now that I'm a synthetic being I've learned a lot about life" this has been enlightening, thanks for sharing your wisdom lady
She didn’t talk about budgeting or how she was going to take steps to improve her situation. Part of me doesn't feel sympathy for her. I sort of wonder if she views bankruptcy like that scene in The Office where Michael Scott yells, "I declare bankruptcy!" It's not some simple start over process.
Money is tied to emotions. I’ve blown a LOT of $$ trying to buy love and was also in the short sighted mindset of “I deserve it/YOLO”. I’m getting better but it’s tough
Sorry but she just comes across as someone that wanted praise and sympathy for announcing that she's $42,000 in debt. Acknowledging that you have a spending problem, and a large amount of debt is an important step so good for her for not hiding from it. However, she has yet to mention what actual changes she's going to make to make sure she doesn't get into a hole for the 4th time!
0:26 see, at first i was thinking 40k in debt isnt bad if you have a mortgage and/or a car loan. But then she said credit card debt, like of course 😂 why did i give her the benefit of the doubt
I’m in debt like $1300 dollars in debt but can’t imagine being $42000 in debt. I think the most I was in cc debt was just under $6,000 from a terrible relationship of 6 years from 2003-2009. It took me 6 months to pay every penny off. I’m grateful for a wonderful friend who took me in and allowed me to dump everything I could every paycheck and kept me from being homeless right off the spot.
I appreciate her openness, but I think she is headed down the wrong path to fixing her issues. As someone who grew up in a high control group that utilized a lot of that manifestation/word salad stuff she has espoused here, I can guarantee that it will not save her.
That first woman gives me seriously off vibes. The language she uses is very MLM manifestation manipulative BS. She also sounds very holier than thou when she talks about judging others and people judging her. Idk, I have a feeling bankruptcy is not gonna solve her issues.
I'm sorry, but only thing worse than listening to this woman rattling on about her "birthright" and how "worthy" and "abundant" she is and how she was basically "letting go" of her responsibilities was listening to you constantly re-affirming her narcissistic denial of responsibility with "MM-HMM" and 'UMM" and "Yep." Please stop. This woman is just an overgrown child who finds offense at the idea of being held responsible for her own actions.
The birthright comment went right over my head the first time, I had to go back and find where she said it. Saying abundance is your birthright right is so egotistical and she believes she should have whatever she wants so she will never change.
The fact she is filing for bankruptcy will lead her to be in debt again. Working towards paying off debt is a journey that pushes you to be more mindful of your money and expenses. Budgeting, cutting on food out/trips/luxury expenses, etc. I think it makes people realize that it sucks to be in debt, sucks even more having to pay it off with your hard-earned money but it teaches you that this will not happen again and the cycle needs to be broken. With debt, you need to feel the pain in order to say 'no more' and learn from it. She never specified how she would even try to work towards paying off debt, just went into the bankruptcy route. I mean no judgment, everyone works on their debt differently but I think she picked the easy route which won't teach her to properly work on her debt and impulses towards spending.
I think the most insightful thing from her video is the amount of self-sabotaging people do when they're in an unhealthy space. And it's not something people can be shamed out of. If anything, shame makes things worse because it drives people to hide and avoid getting the help they need. Where I think she goes wrong is the need to assert to everyone "I am worthy", "prosperity and abundance is my birthright". It just sounds like an extension of the cope that got her into debt in the first place when she was trying to keep up with others. She needs to believe "I am enough" or "I have enough" if anything.
Speaking of the vet bills. My dog got sick to the point of death. I was sitting in the lobby of the emergency vet and people were crying all around me because their animals were sick. Then this lady came to ask people for payment. Bills were $5000, $8000. And animal hospitals won’t start anything until they have money. People didn’t have the money. So the vet would tell people to borrow the money from friends and family (after they got turned down for the hospital credit). One lady called her great grandmother and got her to give the vet her information over the phone so that her great grand daughter could get the $5000 for the bill. The vet had to ask the great grandmother if she was mentally capable to take responsibility for the charges. I was pissed. This felt like elder abuse to me. When they got to me, I explained that my dog has a $2000 medical expense budget and if they couldn’t fix him with $2000 worth of care then we were leaving. I wasn’t taking out credit or borrowing money for a dog. Although I love him. 9:33
@@Sonybo100 I always knew from a young age men need to be providers. That’s no excuse. Plus if you have no money and are broke it’s only rational the person with more money should help out.
I was barely 19 when I signed up for a credit card at the airport because the vendor knew exactly how to rope me in, and I didn't know what was going on. It is far too easy to get credit in the western world, and far too many banks and agencies prey specifically on those who have no or little life experience, no other choices and/or no financial education.
18:16 no but she did hit us with a “god will take care of it” that’s the most religious version of get out of jail free statement I ever heard 😂 Like no disrespect, but sometimes people do be saying god has a plan when they don’t
What concerns me about her video was the lack of information about specific steps she is taking to keep this from happening again. Like formulating a budget, closing credit cards so she can't use them, dollar amounts she is going to save every month to create an emergency fund and save for vacations so they don't get put on a credit card. Inner work is fine, but I think she needs a detailed financial plan going forward.
OMG Yessss!!!! At first glance it took me a little bit to realize it was the same woman in all the different stitches 🤦♀️. She has the privilege to file bankruptcy and have it wiped out. Not everyone will qualify to file bankruptcy or be allowed to NOT pay it back. Hopefully she realizes her privilege and not make this mistake again.
The limiting belief I had to let go of is that money only comes from hard work. Now I have a very easy job and make more that I ever have! And I SAVE it. Because I plan on retiring early!
She's the type of person to say "i start my diet on monday, i know what I need to do to lose the weight, im gonna go to the gym for 2hrs a day and eat super clean" but when monday comes she will feel overwhelmed and resort back to whats comfortable and less hard work. Also, her analogy with the cheating thing is so stupid. People cheat because they are selfish thats it. If youre so unhappy in the marriage then get a divorce. "Its not that easy", yes it is, just divorce. Why have an affair and destroy the other persons life, and even destroy your kids perception of you (if you have kids).
Bruh.....there legit isnt enough money. The fear of money is the beginning of wisdom. Live below ur means, make sensible purchases. Do not keep up with the Joneses. Everything she said she was afraid of, she should be afraid of....she wasnt scared and now shes 42K in debt and giving it all to God to handle....the accountability is showing lol 🤣
Her third clip is her giving a warning to parents to give their children protection, love and stable environment, or else watch them grow up to engage in self-destructive behavior in order to get scraps from others, like she did.
But she is limited, you are limited to the amount you have in your bank account. She was spending on a credit card that has a larger limit than what a regular person may have. She speaks about God, not sure if she’s Christian but if she is, the bible speaks about not being in debt, about being frugal, about giving to others. We need to learn ourselves about finances, and some of us are not credit card people. Like Caleb Hammer says 😅. Me im in debt like her but im putting in the work to pay it off and after i will be closing all of my cards, i am not a credit card person and thats okay.
I not judge for having debt. I judge for doing nothing to pay it, for posing as a victim of the times and the system, for not acknowledging lack of self-control, need to impress people. I judge for mindlessly following trends at a time when we - working hard for everything we have, without debt - are constantly told that it is not our merit. We were lucky, or someone helped us - rarely anyone assumes that it is just hard work and common sense. Each of us has something we have to deal with, traumas, problems... And this is the cause of many of our mistakes, but we should not treat it as an eternal excuse.
I think a lot of Americans also overlook how much debt is normalized in other areas of our life (college, cars, mortgages) that it makes it extremely easy to mentally extend that to other forms of credit. When you’re used to just having that payment monthly for things many can’t avoid, a credit card is one more payment. This being said, I really hope she gets some therapy at this point. She talks a lot of psychobabble, but a lot of her understanding of her actions feels shallow. That’s a recipe to fall right back into a cycle later if she doesn’t really face her inner reality.
I had to file for bankruptcy once. Since then, I have had to do the work on WHY I spend the money, as she said. I have one credit card with a $500 limit now.
I was broke in my early 20's for 5-6 years. I am still listening to her story and it sounds she has never been inconvenience by being in debt. I use to walk 1 hour to work and the same back. This is inconvenient! In the end i worked 6 days a week and got rid of the debt..
Thank u for making this content Symone. I am having almost exact situation with her, spent for easing my depression until I hit the bankruptcy (idk which degree Im at tho) now im in job search which u know also not easy but im trying my best everyday. I also trying to do saving, after I watch ur videos. This video just hits too close to home❤ and im here for it, again thank you
I wish this lady the best. It sounds like she’s been through a lot. Filing bankruptcy probably wasn’t the best move if her issue was caused by habit, but I’m crossing my fingers for her
The thing about shame is that there are two, real shame that brings us to repentance when its actually sin such as adultery, love of money, etc. and there is toxic shame which is shame about something that isnt sin. We need (the first) shame to lead us to change and repentance. Anything can be an idol, including finding security outside of God, which is really wanting control. I really.hope this lady genuinely seeks the Lord and changes. I just hope she has people in her personal life to walk alongside her.
Gurrllll I’m eating too. When my dad passed away while my mom was also battling cancer, I gained a lot of weight that I worked so hard to lose. Sometimes it’s hard to care about certain parts of your life when your most important parts are falling apart.
The solution is not to remove all shame from the situation you got yourself into, that is not how you take accountability. It’s the feelings like shame or even self-hatred that push a person to make a change.
4:35 I get the feeling her lack of shame coupled with some kind of addiction is what got her into that situation. She’s right that her self worth isn’t tied to her debt, but shame is a tool that helps keep us grounded and realize when we’ve done something wrong. Maybe I’m misinterpreting what she’s saying but it sounds like she’s saying being massively in debt is ok because shame is a bad thing.
as a person who got into debt years ago i pulled myself out years later. i only wish i had the nerve to be like this Woman. i give her kudos for reaching out to help others!! Awesome job!!!
I really appreciate your tone throughout the video of trying to understand her circumstance, regardless of our personal opinions. It’s a refreshing take and tone versus immediate judgement
I'm lucky and have exactly $500 of debt. Total. But I've made sure that I NEVER take out credit cards because I'm severely dyscalculic and I have no math literacy. My math literacy is below testable adult levels.
hey symone, just wanted to say I come from a place of financial insecurity, and struggling with paying back student loans now. I really appreciate these videos and they've been so helpful for making me feel less insane lmaoo!! also eating fries with no sauce is crazy!!
She hasn’t learned anything. Filing bankruptcy is not being accountable for you behaviors. It’s easy to find peace in a situation when you don’t have to deal with the full consequences of your actions. All those companies are going to do is pass that loss on to consumers. Shame has its place and is necessary
Honestly I relate to her statement about the fear of scarcity. Growing up knowing there wasnt enough money in our household is definitely something I carried into my own adulthood
It curls the eyelashes. I have super straight eyelashes and need it. :) When I was younger I was so ashamed of any kind of bill. I didn't pay bills on time. I did not want to discuss with future husband. Eventually we did. We got a consolidation loan that we just barely paid off this year. Best thing ever!! I mean we've been paying on it for 20 years. It wasn't just my debt but school loans and such. I was hoping to retire one day and right now our debt is high. Trying to be willing to look at it and see where we can change. Not super big spending but I did hide my TJ Maxx credit card. Never to be used again. If I cannot afford to use you debit card then I don't need it. But I have goals I appreciate you and this video.
0:47 ok. This is not the first time that I have heard a woman say this. Why is this a thing? Why are woman trying to keep up with the financial lifestyle of a man who does not even invest in them?
My dad had to file for bankruptcy 2 times. One, when he divorced my mom and took all the debt, my dad and mom met in the military. Then again on his second divorce, again her met his wife in the army and took all the debt but got full custody of my half brother.
All this word salad just so you can feel good about defaulting on debt. Yes, money isn't moral. The people we hurt when we default on our responsibilities has moral value and consequences #Idiocracy
Since when has shame become a bad thing? She should be ashamed. Shame is what can precipitate someone to act or become a better person. Make no mistake, her “self worth” is not “tied up to my financial picture.” Her self worth is tied to image and attention seeking behavior, whether positive or negative. This is the latest iteration of ‘notice me.’ Gee, a ‘deep dive into myself, all this unconscious work, I knew it i was going to share it with the world.” See the pattern? Don’t blame yourself - “all the way back to my childhood I felt fear and scarcity.” She states she knew how to consciously manage her own money, it was her subconscious that was running the show. Please! It was a choice. You had control. Take responsibility. People go into debt for unselfish reasons, out of necessity, medical bills, lay offs, a death. This is not that scenario. I find her self-aggrandizement of her financial woes offensive. This is not an altruistic attempt to help anyone, it’s all about her. I’m surprised how strongly I reacted to this. She’s pathetic.
As someone that rewired my brain from a lack mindset to a "it'll be okay" mindset, lack and having a poverty mindset is extremely powerful and damaging. Money is definitely mental and a mentality thing as much as it is physical. I had to teach myself that money is cyclical, it always comes back. (Work, side hustle, extra income, part time jobs, creative projects ect. ) or hell even someone giving you money randomly. It always comes back eventually. Money is meant to be spent and saved. It took me a good 4 years to change my mindset and have a comfortable relationship with money. When it comes to DEBT that's a impulse issue and a lack of discipline. I think she should have made a plan to pay off the debt and then practice the manifestation side of it. It doesn't make sense to file and then manifest cause it always feels like she's evading responsibility.
I don’t think this woman is a good person. It has nothing to do with her debt. She evidently believes nothing she does is wrong, justifies her behavior to her childhood trauma but never takes accountability, and attempts to make others feel bad for thinking she is a mess. On top of it, the string of pseudo psychology vocabulary mix with new age manifestations reeks of manipulation and narcissism.
What was the craziest part of this video to you? Have you ever felt pressured to keep up with a certain lifestyle? Do you think that most people are living above their means? Also, what percent is your phone🔋 on? It's 1:08 A.M. and my phone is on 55%. 😭
@@SocialSymone Were these questions for me? If so yes most of the world is caught in the illusion of Status and Power Success,and it will continue until it runs its course for each person,but the question is Which if any will wake up to the lies the world relies on to keep the Wheels of Profit and Control going,When we're hungry we don't give a dam about A brand of Shoes,When we're Cold we don't care who's name is on the Coat or Blanket,Life is simple but Humans especially those who Profit from the Majority of everyday People,Need a source of Continued Exploitation to Over fill their Vaults,Next my Battery is 100% im on the East Coast so its 12 Noon here,Sorry to Disturb you.Have a great day when the Sun comes up.
Craziest part is that she is only in her 20s 😂 that stress took its toll
It's 20:18 and mine is on 93%
9pm 48 and 44% 🫡
It’s 4:16pm. My phone is on 84%🙃🔋
I can relate to her about feeling shame over debt. I had 18k of cc debt at one point. Down to $950 and never looking back
Congratz! 🩷
Well done!
Great job 🙌🏽💗
Amazing 🎉
Good for you! You are almost at that zero mark. Keep pushing
She will never get out of debt. She’s just full of the same woo-woo, new age, TikTok psychology buzzwords. You can get out of debt when you work, save, and pay off those loans.
Yeah people are saying she already has a trip to Peru so im guessing she is gonna load up on more debt
She was getting an ego high over how honest she was being.
istg if I hear anything about "manifesting money" and "abundance mindset" ever again ... 😂
“I’m going to give it up to god” two weeks later “I’m filing bankruptcy” 😂
What’s crazy is she knows how to deal with it, but is choosing not to? Like having worked in finance and paying off high debt twice before. That is what makes this whole thing so weird to me. It honestly is coming off as she found the woo woo new age world and is like “oh this will solve my problems!” But in reality, it won’t.
her randomly letting us know she was a side chick for no reason at all 😭😭😭😭😭😭😭😭😭😭😭😭😭😭😭
Like damn if she used to be a side chick at least finesse something out of it, NOT a debt?! If she had to max out her credit cards to keep up with his lifestyle then she should’ve asked him to support her financially.
jjjj
Is anyone else seeing this as mere virtue signaling without action? To be clear, we're not judging her bankruptcy; just her lack of changed behavior.
What's the definition of insanity?
yes! yes so much this! Unless there is true change, the behavior will just continue.
I'm judging her bankruptcy. Pay off the debt you incurred like an adult instead of driving up every one else's interest rates, bitch.
Agree!! She’s not planning out actions on how she’ll avoid diving back into debt. She’s trying to get public sympathy 💐
Most people who file bankruptcy don't successfully complete the bankruptcy and the ones who do usually end up back in debt.
I’m judging her bankruptcy. Guess who ends up paying for that? Everyone else, with higher rates. Just like your insurance is more expensive because of all the idiots who text and drive
the cheating analogy… “i dont judge”… GORL PLEASE sometimes things can stay in the brain box 😭😭 lets not normalize cheating REGARDLESS of it being a silly analogy omfg
It takes a lot of guts to talk about cheating. But….i don’t think cheating is a great analogy for consumer debt.
She used it as an analogy because she wanted justify her actions because it was still weighing on her (she admitted that she was in an affair in her 20’s) and I’m sure she was refraining from spilling someone else’s tea at the gym she brought up “knowing things behind the scenes” and cheating is usually one of the things that happen regularly (mostly with trainers)
“You shouldn’t judge people who get into debt OR cheat on their spouse or lover”
That was the moment I’d had it with her
She's saying " i was sad because _ and that's why I bought everything" it's bad self enabling.
@@toidIllorTAmI to piggy back off this thought; shes also just straight up not addressing the root cause of going into severe credit card debt THREE TIMES!!!! like “giving it back to god” and her being okay with her choices does nothing but enable her to keep doing this over and over
I think she’s using real actual life example of the people around her that she knows. Both the cheating and the woman with image issues. Lmao! Airing her friends shit on here. Or she’s the affair partner.😂
1. She talks a lot of fluff but mentions NO actions she actually took to pay off her debt.
2. Money has a lot to do with perception, beliefs etc, but at the end of the day, it’s actual numbers- you need to spend less and try to earn more. Trusting higher entity or changing your definition of yourself can only go so far
Just
Spend
LESS
3. She made ZERO changes as she wasn’t paying off her debt cause she just went and filed for bankruptcy!!
I was wondering the same. Is this lady going to stop being irresponsible? Because all I heard was a bunch of self-admiration word-salad talk.
That isnt making that 40K go away. You dont have to feel "shame", but that debt isnt your therapist, and it isnt going to give you a hug.
She is going to get back into debt because now she feels like she has "control over it"
When you are bankrupt, credit cards won't accept you so idk where she thinks she is going to get this money? She needs to work 2x as harder for her money.
Many people don't want to hear this but it's true. Spirituality can help, but not when it becomes spiritual bypassing. I wish her well, but accountability is needed to lower the debt.
I noticed that too, I had commented elsewhere but it sounds like she’s using “shame” as a buzzword to excuse her spending.
Shame can be helpful or harmful depending on how it’s used. And it sounds like she’s trying avoid feeling shame over her debt. But when you don’t feel shame over doing self harm or any kind: you just keep going deeper.
Doesn’t matter if it’s one more donut, one more hit, one more shot. If you’re numb to the shame then it keeps going
As a therapist, it seems like she is at step 1 in the process (acknowledging she has a problem) and thinks she is further along than she is. There still seems to be a lack of accountability and some delusion/avoidance in the way she speaks. I hope she gets a good therapist and some financial accountability to help her navigate the long journey ahead.
Hi, I really appreciate your commentary. How would someone move from a position of avoidance and delusion into a position of taking responsibility/accountability in regards to any area of life? For instance, is there a general formula that can applied to any area of life where someone is avoidant? Thank you!
@@Sababbbythe therapist can weigh in on my piece but personally i think starting with S.m.a.r.t goals is a good start (its an acronym look it up). Something that shows progress might be in her situation might be: “this month i cut my monthly spending by x% so I can put more towards my debt and not spending”. It doesnt have to be huge at first but small steps will help you build momentum.
@@Sababbbyidk about what is general advice but I can offer my trajectory.
I was an overeater and shopaholic. Step 1 was admitting I had a problem. 2 was figuring out why I was doing it with a therapist and a dietitian (for spending, go to a fin advisor). Then I found some new coping mechanisms. Along the way though, I still had those cravings so I found safer ways to indulge them.
Like with food, seeing large amounts of food makes me feel safe so I started meal prepping and eating raw veggies to get the sensation of feeling over full.
For spending, I would instead look for that special item for resale. Or I'd see if there was a budget way to recreate it. Like if I wanted to try out a new type of painting, I got a cheap version of the paints with a coupon so I was spending $20 instead of 100.
Ultimately it requires developing self awareness and some honesty.
I'm still not perfect. My binging is in remission but it can always come back if I don't keep aware of it but I also don't miss it and every day it's less work to keep it in check.
This sounds exactly like what happened
So glad you noticed/commented this. The way she switched into preaching mode. I cannot, legit stopped watching!
Someone needs to go on Financial Audit
@@chickpea you know Caleb would be so upset that she filed for bankruptcy at only $42,000!! (I say only but it’s still a hefty amount, no doubt. Just comparatively) He’s had people with 6 figure debt and was still hesitant to recommend it!
Everyone needs to listen to Financial Audit for good financial advice and to learn from others mistakes.
An elite eye-opening show 👌
Sweet treat Monday!!!
Does it help
The tolerance for debt increasing the deeper you go is so real. After I pay mine off I need to set a concrete limit to what I can handle.
Make it 0.
The fact you’re setting a debt limit lmao. It should be set at ZERO!
I just got a credit card for Amazon and it is a Huge scam. All credit cards are if you dont pay them off! That APR? It's only going to get higher.
@@toidIllorTAmI that's the key. No carry over balance. I've had an Amazon card for 5 years. Have paid 0 cents in interest.
@@michaelb4546 Caleb Hammer, is that you? 😂 (Financial Audit guy)
I just find the psychobabble and new age-y language a bit unpalatable. Otherwise I wish her all the best in her journey
I read somewhere that people on the internet have learned therapy language and are now running w it .. checks ✅
Same!!!
This is exactly what I was thinking watching the video lol. But her transparency about her debt is refreshing
Agreed. I’ve become wary of the woo woo shit because of the way these “love and light” people will turn around and weaponize that language to be the most despicable people you could imagine
I think this is more evangelical Christian language than therapy language
Her vibe is just off. Filing bankruptcy instead of paying off the debt, the lack of a debt repayment plan in her original video, her use of manifestation language, her oversharing of her personal life and being a home-wrecker...
After going on a rant about giving it to God. Ma'am bankruptcy is not giving it to God lol.
She says "I'm still worthy" but that's her problem- she thinks she's "worthy" of stuff she can't afford. She refuses to learn anything, and she sure as hell isn't "looking at everything honestly."
She lost me at the God point as she sounds very MLM adjacent.
Who cares if she file..rich people abuse the bankruptcy laws all the time now when it is normal people yall get mad lmao
Exactly she’s a coward. If you’re in debt to someone you better pay back every single cent.
The fact she sharing this story in a Van Cleef necklace is astounding... but yet, not surprising
You can get knockoffs at TJ MAXX if that necklace
OP is giving her credit for "sharing", but honestly she's just posting for sympathy.
Real 😂😂😂😂
It looks like a knock off.
Yeah if that is real it is € 6000
We feel shame for a reason. If you don't ever feel shame about it, you're not ever going to change. Giving it to God is not a game plan
You also don't get to dictate how people react to the public information you put out. I think this woman is hugely egotistical and is using some manipulative techniques to shame others in order to feel better about her situation.
Shame does make change in many cases I won't deny that.
I also noticed she shifted culpability to god😅
She’s definitely going to continue this behavior, I don’t think she’s dig deep and analyzed herself to figure out why she’s spending like this and how to stop
Absolutely this.
Realized I just left almost the exact same comment 😂
I think i sort of agree with you in some cases, like certain harmful behaviors should be shamed a bit, but not everyone's psychologyworks exactly rhe same. Gotta do whatever works. Shame just doesn't work on everyone. Sometimes you need a different vision to chase after instead of shame to run away from if youve become numb to it.😂
@@Iquey what do they say--guilt is internal, shame is external? I believe that we can be overly concerned with what other people think, but if you don't feel shame in genuinely shameful situations, that can be an issue as well.
Hearing people talk about debt almost feels like hearing people talk about weight. you yoyo diet/lose the same way people yoyo get in/out of debt. ur self worth gets tied to a number. ur tolerance for money(food) gets higher. im a person who has battled weight all their life and hearing these people talk about their debt is so similar to that experience that i feel bad and know what its like. whats helped me get out of the cycle was having a goal.
And not just a "i want to be 50lbs less" because thats just like "i want to be 20k less in debt", WHY do you want to be? do you want a house? do you want to have a family? do you want to live a more stress free life? in the same way i started asking myself "why do i want to be smaller?" and i found that i wanted to box again. i wanted to be able to take longer walks, i wanted to feel less tired, to hurt less. it became less egotisical and more honest. I think tahts what needs to be done with people who want to free themselves finanical. Have a goal, have a WHY and make sure that why serves YOU and not others. Dont feel shame about how you are, its a moment in time and tomorrow can be another moment, and a better one
👏 👏👏Wish I could upvote this times (x) a kazillion.
This!! I've struggled with weight so much all my life. Never had a specific why. It was always superficial and couldn't maintain.
My dad's stroke and passing was my light bulb. I don't want to die when my child is in his 20s or even teens (my sister is 11 yrs younger than me. I'm 28 and she's 17). That's not fair to the kid. I want to be apart of my grandkids life instead of leaving a 4 yr old grandchild grieving having to carry the burden of death. I'm losing weight and making better habits to maintain and improve my health for my kid and potential grandkids.
Very well said, friend ❤️ ❤️ ❤️
This is so beautiful. My struggle is debt, but it is so similar to what you are describing. I have screenshotted this and will come back to it, because my issue is not my mindset or my habits. I’m not spending and I’m almost out of debt and yet still feel bad about myself. My self worth is still tied to material things that I think make me ‘more worthy’. You just helped me articulate why changing habits alone won’t get you all the way there. Thank you thank you thank you!
I can hear phrases used here in almost any addiction from food to drink to illicit substances. Your threshold for what you do, does indeed increase.
Her blaming it on her “scarcity” mindset doesn’t make sense because that should mean you would be so anxious of spending it and you would be hoarding the money in your bank account. She is just using all kinds of excuses that make it look like she was helpless instead of saying “i was materialistic”.
I'm glad you pointed this out because I, too, was confused.
Exactly, her beliefs around money is to SPEND SPEND SPEND 🤑
Its good that she’s looking inward but she’s not confronting the overall issue- buying stuff you do not NEED!
It’s a difficult concept to understand. She said she’d have money in her bank account and would still use her cc. I’ve seen people with money in their bank acct and still pay bills late. Not bcus they forget but they didn’t want to spend the money until more came in. But again it was more than enough. I worked at a bank and saw 30k in a man’s acct and he would not sign up for bill pay to avoid the late fee from his cc payment which wasn’t much in comparison. I was confused but after you see it a few times you know it’s not cus they don’t have money it’s deeper than that.
Right? I grew up seeing my mom so worried about money that even though I earn a very good salary, I am absolutely terrified of debt, pay my cards in full every month and even though I could afford it, I am still scared of the idea of a mortgage...
She used that to explain why she used her credit card even though she had the money on her debt card for said thing at the time. There are nuances and she explained that when she brought up the scarcity mindset
I did my overconsumption era when I was in my early 20s (2015-2019) I had a $10K debt just by shopping in less than a year. It’s crazy. Now I just get gift card if I need something online instead of doing a spree with a credit card. I only buy things on my style circle instead of buying microtrends that dies off in a few months.
This woman is broken in more ways than one. Between the debt, involvement in an affair, the plastic surgery there’s a lot going on here and I have it feeling that it goes deeper than what she says in her videos.
Dang, I didn’t know about the other things. She sounds like she has some kind of dopamine addiction or something. Idk if this woman can help herself, maybe a therapist could help
First thing she said was I was 19 dating a 31 year old man. So, gosh knows how some older people screw up younger people.
Exactly
right and declaring bankruptcy is only a bandaid. she uses a lot of spiritual language. Been there, done that myself. Using spiritual language isn't the same as healing what caused the issue in the first place. If she doesn't participate fully in things like trauma therapy she's just going to get right back into debt and declare bankruptcy again.
Absolutely this, there's a lot of things to unpack with her story and it's clear that she's struggling. This isn't even about the finance at this point she needs serious help. I'm glad she's being transparent, but she needs more action and to focus on how she can get herself out of this mess.
17:43 but notice how she didn’t answer the original question! Why are you filling chapter 7 with $42,000? That’s a debt that CAN be so loved without bankruptcy fees and cost
This is so irritating. She can use her cc’s for lip filler and cosmetics but thinks it’s ok to transfer that debt unto others with bankruptcy.
@@Rebecca-ci3zc
My concern is moreso that her lifestyle hasn’t actually changed. That if she can afford bankruptcy fees, then she can afford to be on a payment plan for her cc’s. This is just her “quick way out” that is about to hit her. Her assets, her credit score in the 100-200s, etc all instead of paying off her debt slowly but purposefully!!
If she’s filing chapter 7 that means she under the medium income for her state. In my state the medium income is $51k. So if you have $42k in debt it would take you 10+ years to pay that off. Assuming you aren’t being sued. Utilities aren’t cut off and your debt isn’t accruing interest. I’m about to file chapter 7 with $60k in debt not including student loans. I’m being sued by Baptist health for medical bills. I make too much to apply for assistance. I just had to leave my job due to medical issues and they cannot make reasonable accommodations for me. I had to take fmla last year which is unpaid. My medical debt has 6% interest approved by a court along with wage garnishment. And now i no longer have health insurance since i don’t have a job. I could continue insurance through cobra but that would be $554 a month for a high deductible plan. I did get hired at hobby lobby part time but still haven’t been able to land a new job. I’m over qualified for all the jobs I’ve interviewed for and have been referred to senior roles yet never get interview for senior roles. So I’m basically stuck. And i also cannot afford my neurology appointments to actually continue receiving treatment for my epilepsy. There’s literally no help for those who make above the means income but are still not high earners. The only way i would’ve gotten some relief is if i would’ve had a baby this year. Which i ended up having an abortion due to my financial and health situation. But now im like gosh i should’ve had the baby then i atleast would have healthcare right now.
@@OctPumpkin22 $40K isn't a small amount but it can be paid off if you're reasonable with your expenses.
This woman has no discipline, and no accountability. You can talk about “self-hate” and “coping” all you want but at the end of the day, you KNOW the difference between right and wrong, and what your responsibilities are, no matter how “traumatic” your childhood was. Even little kids know the difference between right and wrong, she knew what she was doing in early 20s and she knew what she was doing this time. She’s never been held accountable and it shows.
Yes well said 👏🏽
I thought she was going say I have a plan to pay off this $40k I thought she was going to ask for advise on doing a budget, what to cut from her lifestyle, what to save. Work hard for a timeframe, I don’t know. I’m not judging I don’t judge people but giving it to God and file for bankruptcy. Is a question I have, if she doesn’t change her money habits money won’t change either, right now she is feeling guilty which I understand but I really hope she learn her lesson
Idk if I agree that filing for bankruptcy is taking accountability. Taking accountability is changing your life and paying it off. This isn’t medical debt we are talking about here. She did basically nothing to change her habits except pat herself on the back and honestly, these are the types of people who do bankruptcy and then go right back into the debt. I had 25k of credit card debt from when I was in college and trying to get by. I’ve spent the last 3 years paying that down and sacrificing and I’ll be done in the next 12 months. I don’t like women like the who give their excuses and then change nothing about their actions
Oh that is a good discussion actually... You brought up taking accountability. I wonder if most people would consider taking accountability be them paying it off or them admitting there discrepancies and changing them for the future... 👀 might have to do a poll asking this question friend. ❤️
@@SocialSymonePlease do the pole, I’ll definitely be voting #TeamAccountability
@@SocialSymone you should do the poll ! I’d definitely be interested to see if people see it the way I do or if maybe I’m being too harsh
@@SwimSweetie100 I don't think you're being harsh I think you are bringing up a great quick and conversation. 💞
This whole thought process reminds me of student loan forgiveness "if I had to deal with then so should you". Sucks you didn't know the laws that are there to protect you from the predatory behavior of these credit companies but that doesn't mean she's doing anything wrong by utilizing bankruptcy. Get off your high horse and stop shaming others because you feel superior because you put yourself through the punishment of fighting it. Good grief, grow up.
"I had to go down this journey to learn what I needed to learn.".... And then she learned nothing....
Yep, at this point, I think she just likes to hear herself talk.
i ran up a credit card to 2k once, but i paid it off months ago and have been considering getting one again, but after seeing this first clip im no longer convinced that i wont make the same exact mistake
Today we saved a life!!! 😂 😂 😂 that's what it's all about as long as it helps somebody not go down this path because it gets ugly!
I was like this, but I needed one to improve my credit score and my credit limit on it is $500 😅 yesterday I got an email saying they wanted to increase my limit and I ignored it because I can pay back $500
Save the money and then use a card. Pay off the card, build your credit.
Get yourself in a habit of paying off and credit debt in less than 30 days.
@@IsabelPaisleeVery smart .
i think you can train yourself to be responsible about credit cards but you have to take it slow and careful and do everything you can to avoid thinking of your credit limit as free money. putting a few reoccurring charges on it and paying it off every month is a good start. then maybe you put groceries and gas on that card if you're successful.
Over time I've become a person who puts everything on a credit card and pays the balance every month for cash back and airline miles. It's worth it ONLY if you can make a commitment to yourself otherwise those perks are not worth the interest they'll steal from you.
"I filed for bankrupcy today," she says while wearing expensive jewelry and applying nice make-up.
Her piece of jewellery, if real, seems to be from Jewels Morganne Bello, a Green Agate and Diamonds Yellow Gold Victoria Diamonds Necklace. Normal cost is $1,160.49 and on sale for $73.60. It could be real, a dupe or a gift. We don't know but I doubt you will get that much for selling your jewellery.
She should definitely change her lifestyle to more frugality but I think her wearing makeup is fine.
I was at ~$50,000 in cc debt (also started with an 18k vet bill, i have pet insurance now) and i have been working so hard to pay it down without filing for ch 7. I’m now at about $11,000 and should be paid off in spring/summer 2025! Love your channel, it’s really keeping me motivated in this last stretch to not repeat my same mistakes.
Congrats!
Not making up to a million before retirement is unfulfilled retirement.!! I’m 54 and my wife 50 we are both retired with over $7 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle in the stock and forex market made it possible for us this early, even till now we earn weekly.
Investment should on every wise individuals bucket list. You will be ecstatic of the decision you made today.
I’m a young mom, I’m really glad to hear your story it inspires me. can you share how you earn weekly.
Credits to Dylan Kyle Zachary, He saw me through the process.
Credits to Dylan Kyle Zachary, He saw me through the process.
Dylan Kyle Zachary
that's the name to search
I hope she's not in a relationship. Her idea of dealing with problems is saying, "Sorry" and not doing anything necessary to FIX the problems. Letting everyone know about your financial issues isn't DOING anything proactive. Ugh she's insufferable.
She talks way too much for me, I tried to hear her out but it sounds like she’s trying to convince herself this is the right choice and that she won’t repeat the cycle for a 4th time.
I had lots of shame around my finances, and the craziest thing is that I would never shame someone else for their road to figuring out finances... But I would be the worst to myself
I feel that I'm very strict with myself also with money but food is another story when I'm stressed.
@@SocialSymone i never thought about it like that... When I'm stressed I'm spending like crazy and restricting my food (from stress) but when I'm happy I'm more frugal and have a crazy appetite... I wonder how many of our behaviours are related to stress & soothing...
@ddk760 i know i spend more when im stressed and i either go for food or shopping when im stressed. Its a cop out for me, unfortunately.
At the end of the day a lot of people are living above their means which is why so many people are in debt. A lot of people financially should not be living by themselves, having kids, having a car payment, or having pets because they can’t afford it.
Some aren't looking to spend a whole lot of money, life pushes us into that situation. I was forced to buy a car because my rust bucket was sandwiched in between two other cars. Without it, I couldn't get to work and my job didn't care.
Agree, ignoring the costs of moving into a larger home, having another baby, buying an expensive car- just because they think it’ll make them “happier” but it’s really setting their futures back by racking up financial debt and emotional stress. Poor lil kids who never asked for household stress because their parent didn’t plan for their kids future.
Didn't she say she paid off her first debt she got into keeping up with her older BF, but then she said she still had debt from that time?
OMG you're right! I went back to 0:50 and watched it over and she mentions the affair and that she paid that debt off and then she got back into credit card debt and then paid it off AGAIN for a second time and now she's in debt again at $40K so this is her third time in debt, she did say this is her 3rd cycle of credit card debt. She did later mention that this debt is still related to the affair but she also mentions she made some financial risks last year. She's learned nothing and now bankruptcy has given her an out, she'll be back in debt in a few months, I'm sure.
I've been in debt my entire adult life and I'm 42 years old. These last few years I decided to change my situation and gradually paid off all my debts. This year I am finally debt free (except my mortgage) and it feels fantastic! I feel this huge weight lifted after 20+ years! I'm now excited to be able to save up for the things I want and I even have an emergency fund.
Good on you. Well done
Build that emergench fund. It will prevent you going back into debt if something happens! Mine is alomost already covering 6 months lf expenses. But I skipped all Holidays this year. Although I had no cc debt, I dod had a personal loan to get dental implants! I paid that and only the mortage now as debt.
@@em7937 I have 2.5 months already and aiming for 6 months by the end of next year and then I'm going to make additional payments on my mortgage. My future now looks promising, instead of envisioning endless debt I now see a comfortable retirement.
You should be very proud of yourself! If you were able to meet those debt payoff goals, I'm sure now you are seeing your net worth explode! It can be a learning curve going from debt payoff to growing your wealth, but I have full faith in you@
If her necklace is not a fake, she has 3.5K USD around her neck.. I couldn’t focus on anything else during the video
To be honest I couldn't spot a real from a fake. I didn't even know she was wearing a necklace. 😂 😂 😂
True if its real
Whats the necklace?
@@ghostoflazlo Van Cleef& Arpel
I'm sure it's fake, got my niece the earrings and necklace for 20 buck on temu.
this women has $42 000 worth of plastic in her face and thinks she is gonna become debt free through manifesting and "reframing her personality"
Fr people like this annoy me so much
Agree! Got all her fillers and surgery and now wants to cancel the debt and transfer it to others.
Exactly! Subconscious is apparently running her life. It wasn't her, don't be mean! Cut up your cards lady lol
Maybe she can moodboard it away...
@@Rebecca-ci3zc Yep - so the rest of us pay more for what we buy to make up for flakes like her. It is NOT OK.
She can say it's not moral, but as she goes on, she unwittingly starts defining the morality of the situation. Tax payers footing the bill for your irresponsible decisions and insecurities is immoral.
Tax dollars don't pay bankruptcies. Consumers pay it, as higher fees and interest to cover defaulted debts.
@@arh1234 Yes you are correct, I should of specified it as an indirect tax on the tax payer.
my mom filed for bankruptcy and it's probably the best thing she's ever done. not just because it wiped out her debt, but because she took it to heart. she vowed that she would never get into credit card debt again and keeps that vow. she is so much less materialistic and more honest with herself regarding money. she learned so much and im so proud of her. times were tough but we got through it.
This lady is full of it. Lol. Who files bankruptcy over $42000?
I was a single mom making 40k and no assistance and clawed my way out of 30k debt. She definitely doesn't need to file bankruptcy over 40K. It can be done
Honestly I don't know what she does for a living. I think it could be done depending on how much she makes, but it would take sacrifice and discipline of course. Perhaps this was in her opinion the best route to take, but I can't speak for her.
@rikkifashionhouse6592 exactly. I've listened to enough Dave Ramsey to know that discipline and a change of mindset will accomplish paying off large amount of debts.
Interest rates exist. P L E N T Y of people file over $42k or less. No judgement from me. Interest rates will ruin you. Maybe you were fine, but we don't know her exact situation.
She's applied. If she has any kind of real job, I feel it will be denied as not having passed the means test
She discussed mindsets vaguely but idk what actions will change
She won't change. She wants her debt erased. She states "this position I'm in" versus "the position I put myself in". She isn't taking accountability.
feels like she's trying to convince herself she's doing the right thing. unfortunately telling the internet your business isn't the same as actually tackling the problem
The only thing she’s saying rhat I don’t agree with is that you don’t need to work hard. You do if you want to pay your debt off. AND you have to work hard to do the reflection and STOP the debt collecting behavior. It’s all hard work. That is all 😊. We got this yall.
I mean... i kind of agree with her... you can work hard to get rid of the debt but unless you change your mindset/subconscious like she said all that hard work will only help so much because you'll be doomed to repeat it despite all the hard work
she said the solution to getting out of debt isn't ONLY working hard. Like for example the show my 600lb life - most of them could work out as much as they want but they're going to end up where they started if they don't address the psychological relationship with food. Yes it would be bad advice to tell someone in that situation "Just work out".
Yes I agree with you!!! And I thought maybe she said that because she may be makes enough money to where she doesn't need to work harder. She might just need more discipline and that is the case for some people but a lot of people do need to work harder and to get more money and that's why they need to look at their budget. ❤️
I don’t disagree with y’all. I’m saying whether you need to pay the debt or stop the behavior, it’s still hard work because you still have to do something.
These videos help me keep my motivation to keep working and paying my little debt off
"I cheated back when I was a flesh and blood human lifeform, but now that I'm a synthetic being I've learned a lot about life" this has been enlightening, thanks for sharing your wisdom lady
She didn’t talk about budgeting or how she was going to take steps to improve her situation. Part of me doesn't feel sympathy for her.
I sort of wonder if she views bankruptcy like that scene in The Office where Michael Scott yells, "I declare bankruptcy!" It's not some simple start over process.
Money is tied to emotions. I’ve blown a LOT of $$ trying to buy love and was also in the short sighted mindset of “I deserve it/YOLO”. I’m getting better but it’s tough
Sorry but she just comes across as someone that wanted praise and sympathy for announcing that she's $42,000 in debt.
Acknowledging that you have a spending problem, and a large amount of debt is an important step so good for her for not hiding from it. However, she has yet to mention what actual changes she's going to make to make sure she doesn't get into a hole for the 4th time!
Spending on a credit card is still spending. What an odd point of view, that putting it on a card somehow "preserves" the cash.
My girlfriend had to point that out to me when we first started dating. I felt real stupid then😂😂😂
0:26 see, at first i was thinking 40k in debt isnt bad if you have a mortgage and/or a car loan. But then she said credit card debt, like of course 😂 why did i give her the benefit of the doubt
I’m in debt like $1300 dollars in debt but can’t imagine being $42000 in debt. I think the most I was in cc debt was just under $6,000 from a terrible relationship of 6 years from 2003-2009. It took me 6 months to pay every penny off. I’m grateful for a wonderful friend who took me in and allowed me to dump everything I could every paycheck and kept me from being homeless right off the spot.
I appreciate her openness, but I think she is headed down the wrong path to fixing her issues. As someone who grew up in a high control group that utilized a lot of that manifestation/word salad stuff she has espoused here, I can guarantee that it will not save her.
That first woman gives me seriously off vibes. The language she uses is very MLM manifestation manipulative BS. She also sounds very holier than thou when she talks about judging others and people judging her. Idk, I have a feeling bankruptcy is not gonna solve her issues.
She reminds me of pampered chihuahua, that yaps a lot.
I'm sorry, but only thing worse than listening to this woman rattling on about her "birthright" and how "worthy" and "abundant" she is and how she was basically "letting go" of her responsibilities was listening to you constantly re-affirming her narcissistic denial of responsibility with "MM-HMM" and 'UMM" and "Yep." Please stop. This woman is just an overgrown child who finds offense at the idea of being held responsible for her own actions.
The birthright comment went right over my head the first time, I had to go back and find where she said it. Saying abundance is your birthright right is so egotistical and she believes she should have whatever she wants so she will never change.
I didnt catch that either and wow.
The fact she is filing for bankruptcy will lead her to be in debt again. Working towards paying off debt is a journey that pushes you to be more mindful of your money and expenses. Budgeting, cutting on food out/trips/luxury expenses, etc. I think it makes people realize that it sucks to be in debt, sucks even more having to pay it off with your hard-earned money but it teaches you that this will not happen again and the cycle needs to be broken. With debt, you need to feel the pain in order to say 'no more' and learn from it. She never specified how she would even try to work towards paying off debt, just went into the bankruptcy route. I mean no judgment, everyone works on their debt differently but I think she picked the easy route which won't teach her to properly work on her debt and impulses towards spending.
Money and debt ARE moral. It shows your discipline and self-control.
I think the most insightful thing from her video is the amount of self-sabotaging people do when they're in an unhealthy space. And it's not something people can be shamed out of. If anything, shame makes things worse because it drives people to hide and avoid getting the help they need.
Where I think she goes wrong is the need to assert to everyone "I am worthy", "prosperity and abundance is my birthright". It just sounds like an extension of the cope that got her into debt in the first place when she was trying to keep up with others. She needs to believe "I am enough" or "I have enough" if anything.
Speaking of the vet bills. My dog got sick to the point of death. I was sitting in the lobby of the emergency vet and people were crying all around me because their animals were sick. Then this lady came to ask people for payment. Bills were $5000, $8000. And animal hospitals won’t start anything until they have money. People didn’t have the money. So the vet would tell people to borrow the money from friends and family (after they got turned down for the hospital credit). One lady called her great grandmother and got her to give the vet her information over the phone so that her great grand daughter could get the $5000 for the bill. The vet had to ask the great grandmother if she was mentally capable to take responsibility for the charges. I was pissed. This felt like elder abuse to me. When they got to me, I explained that my dog has a $2000 medical expense budget and if they couldn’t fix him with $2000 worth of care then we were leaving. I wasn’t taking out credit or borrowing money for a dog. Although I love him. 9:33
As a 19 year old she was dating a man in her 30s who did not finance her. She is very unintelligent rofl 🤣
she did say she was in a bad space to be fair...
Sounds very victim blaming, ew. People are dumb at 19 period
She was 19…
@@Sonybo100 I always knew from a young age men need to be providers. That’s no excuse. Plus if you have no money and are broke it’s only rational the person with more money should help out.
@@lelaperkune1613 Nah y'all wanted equality, here it is. Provide for yourself, you don't need no man right?
This type of content really helped me. Literally! Ive been watching debt stories for 2 days and I havent spend anything stupid in 2 days. Yey. ✨️✨️
I was barely 19 when I signed up for a credit card at the airport because the vendor knew exactly how to rope me in, and I didn't know what was going on. It is far too easy to get credit in the western world, and far too many banks and agencies prey specifically on those who have no or little life experience, no other choices and/or no financial education.
18:16 no but she did hit us with a “god will take care of it” that’s the most religious version of get out of jail free statement I ever heard 😂
Like no disrespect, but sometimes people do be saying god has a plan when they don’t
What concerns me about her video was the lack of information about specific steps she is taking to keep this from happening again. Like formulating a budget, closing credit cards so she can't use them, dollar amounts she is going to save every month to create an emergency fund and save for vacations so they don't get put on a credit card. Inner work is fine, but I think she needs a detailed financial plan going forward.
I'm not sure which one is more shocking: her credit card debt or how her face looks so different with and without makeup..
OMG Yessss!!!! At first glance it took me a little bit to realize it was the same woman in all the different stitches 🤦♀️. She has the privilege to file bankruptcy and have it wiped out. Not everyone will qualify to file bankruptcy or be allowed to NOT pay it back. Hopefully she realizes her privilege and not make this mistake again.
Wait.....is it the same woman?? 🤦♀️🤦♀️🤦♀️🤦♀️
The limiting belief I had to let go of is that money only comes from hard work. Now I have a very easy job and make more that I ever have! And I SAVE it. Because I plan on retiring early!
She's the type of person to say "i start my diet on monday, i know what I need to do to lose the weight, im gonna go to the gym for 2hrs a day and eat super clean" but when monday comes she will feel overwhelmed and resort back to whats comfortable and less hard work.
Also, her analogy with the cheating thing is so stupid. People cheat because they are selfish thats it. If youre so unhappy in the marriage then get a divorce. "Its not that easy", yes it is, just divorce. Why have an affair and destroy the other persons life, and even destroy your kids perception of you (if you have kids).
Bruh.....there legit isnt enough money. The fear of money is the beginning of wisdom. Live below ur means, make sensible purchases. Do not keep up with the Joneses. Everything she said she was afraid of, she should be afraid of....she wasnt scared and now shes 42K in debt and giving it all to God to handle....the accountability is showing lol 🤣
I try not to judge people for the way they cope but I will judge you for not liking sauce (just kidding, love your videos!)
You’re quickly becoming one of my favorite content creators. It’s always something of substance and you have a very soothing energy.
Her third clip is her giving a warning to parents to give their children protection, love and stable environment, or else watch them grow up to engage in self-destructive behavior in order to get scraps from others, like she did.
But she is limited, you are limited to the amount you have in your bank account. She was spending on a credit card that has a larger limit than what a regular person may have.
She speaks about God, not sure if she’s Christian but if she is, the bible speaks about not being in debt, about being frugal, about giving to others.
We need to learn ourselves about finances, and some of us are not credit card people. Like Caleb Hammer says 😅.
Me im in debt like her but im putting in the work to pay it off and after i will be closing all of my cards, i am not a credit card person and thats okay.
I not judge for having debt. I judge for doing nothing to pay it, for posing as a victim of the times and the system, for not acknowledging lack of self-control, need to impress people. I judge for mindlessly following trends at a time when we - working hard for everything we have, without debt - are constantly told that it is not our merit. We were lucky, or someone helped us - rarely anyone assumes that it is just hard work and common sense. Each of us has something we have to deal with, traumas, problems... And this is the cause of many of our mistakes, but we should not treat it as an eternal excuse.
I think a lot of Americans also overlook how much debt is normalized in other areas of our life (college, cars, mortgages) that it makes it extremely easy to mentally extend that to other forms of credit. When you’re used to just having that payment monthly for things many can’t avoid, a credit card is one more payment.
This being said, I really hope she gets some therapy at this point. She talks a lot of psychobabble, but a lot of her understanding of her actions feels shallow. That’s a recipe to fall right back into a cycle later if she doesn’t really face her inner reality.
I had to file for bankruptcy once. Since then, I have had to do the work on WHY I spend the money, as she said. I have one credit card with a $500 limit now.
She had a level of intensity in the first video that I found unsettling.
I was broke in my early 20's for 5-6 years. I am still listening to her story and it sounds she has never been inconvenience by being in debt. I use to walk 1 hour to work and the same back. This is inconvenient! In the end i worked 6 days a week and got rid of the debt..
Thank u for making this content Symone. I am having almost exact situation with her, spent for easing my depression until I hit the bankruptcy (idk which degree Im at tho) now im in job search which u know also not easy but im trying my best everyday. I also trying to do saving, after I watch ur videos. This video just hits too close to home❤ and im here for it, again thank you
I wish this lady the best. It sounds like she’s been through a lot. Filing bankruptcy probably wasn’t the best move if her issue was caused by habit, but I’m crossing my fingers for her
The thing about shame is that there are two, real shame that brings us to repentance when its actually sin such as adultery, love of money, etc. and there is toxic shame which is shame about something that isnt sin.
We need (the first) shame to lead us to change and repentance. Anything can be an idol, including finding security outside of God, which is really wanting control.
I really.hope this lady genuinely seeks the Lord and changes. I just hope she has people in her personal life to walk alongside her.
Gurrllll I’m eating too. When my dad passed away while my mom was also battling cancer, I gained a lot of weight that I worked so hard to lose. Sometimes it’s hard to care about certain parts of your life when your most important parts are falling apart.
The solution is not to remove all shame from the situation you got yourself into, that is not how you take accountability.
It’s the feelings like shame or even self-hatred that push a person to make a change.
4:35
I get the feeling her lack of shame coupled with some kind of addiction is what got her into that situation. She’s right that her self worth isn’t tied to her debt, but shame is a tool that helps keep us grounded and realize when we’ve done something wrong.
Maybe I’m misinterpreting what she’s saying but it sounds like she’s saying being massively in debt is ok because shame is a bad thing.
Exactly. That woman is not smart. She is not going to change because she feels no shame. She will forever be in that cycle.
as a person who got into debt years ago i pulled myself out years later. i only wish i had the nerve to be like this Woman. i give her kudos for reaching out to help others!! Awesome job!!!
I really appreciate your tone throughout the video of trying to understand her circumstance, regardless of our personal opinions. It’s a refreshing take and tone versus immediate judgement
3x credit card debt is crazy, just close your cards at that point.
I'm lucky and have exactly $500 of debt. Total. But I've made sure that I NEVER take out credit cards because I'm severely dyscalculic and I have no math literacy. My math literacy is below testable adult levels.
hey symone, just wanted to say I come from a place of financial insecurity, and struggling with paying back student loans now. I really appreciate these videos and they've been so helpful for making me feel less insane lmaoo!! also eating fries with no sauce is crazy!!
She hasn’t learned anything. Filing bankruptcy is not being accountable for you behaviors. It’s easy to find peace in a situation when you don’t have to deal with the full consequences of your actions. All those companies are going to do is pass that loss on to consumers.
Shame has its place and is necessary
Honestly I relate to her statement about the fear of scarcity. Growing up knowing there wasnt enough money in our household is definitely something I carried into my own adulthood
It curls the eyelashes. I have super straight eyelashes and need it. :) When I was younger I was so ashamed of any kind of bill. I didn't pay bills on time. I did not want to discuss with future husband. Eventually we did. We got a consolidation loan that we just barely paid off this year. Best thing ever!! I mean we've been paying on it for 20 years. It wasn't just my debt but school loans and such. I was hoping to retire one day and right now our debt is high. Trying to be willing to look at it and see where we can change. Not super big spending but I did hide my TJ Maxx credit card. Never to be used again. If I cannot afford to use you debit card then I don't need it. But I have goals I appreciate you and this video.
0:47 ok. This is not the first time that I have heard a woman say this. Why is this a thing? Why are woman trying to keep up with the financial lifestyle of a man who does not even invest in them?
My dad had to file for bankruptcy 2 times. One, when he divorced my mom and took all the debt, my dad and mom met in the military.
Then again on his second divorce, again her met his wife in the army and took all the debt but got full custody of my half brother.
All this word salad just so you can feel good about defaulting on debt. Yes, money isn't moral. The people we hurt when we default on our responsibilities has moral value and consequences #Idiocracy
For me, the craziest part of this video was seeing the Van Cleef necklace dangling there while she gave this talk.
In the immortal words of Caleb Hammer "spme people are not credit card people."
28:42 It’s an eyelash curler, makes your eyes look more open and adds texture to eye makeup by making your lashes more visible.
Since when has shame become a bad thing? She should be ashamed. Shame is what can precipitate someone to act or become a better person.
Make no mistake, her “self worth” is not “tied up to my financial picture.” Her self worth is tied to image and attention seeking behavior, whether positive or negative. This is the latest iteration of ‘notice me.’ Gee, a ‘deep dive into myself, all this unconscious work, I knew it i was going to share it with the world.” See the pattern? Don’t blame yourself - “all the way back to my childhood I felt fear and scarcity.” She states she knew how to consciously manage her own money, it was her subconscious that was running the show. Please! It was a choice. You had control. Take responsibility.
People go into debt for unselfish reasons, out of necessity, medical bills, lay offs, a death. This is not that scenario. I find her self-aggrandizement of her financial woes offensive. This is not an altruistic attempt to help anyone, it’s all about her. I’m surprised how strongly I reacted to this. She’s pathetic.
I am glad that you responded respectfully.
I love the way critique videos and present yourself so down to earth been enjoying the content for a while!
As someone that rewired my brain from a lack mindset to a "it'll be okay" mindset, lack and having a poverty mindset is extremely powerful and damaging. Money is definitely mental and a mentality thing as much as it is physical. I had to teach myself that money is cyclical, it always comes back. (Work, side hustle, extra income, part time jobs, creative projects ect. ) or hell even someone giving you money randomly. It always comes back eventually. Money is meant to be spent and saved. It took me a good 4 years to change my mindset and have a comfortable relationship with money. When it comes to DEBT that's a impulse issue and a lack of discipline. I think she should have made a plan to pay off the debt and then practice the manifestation side of it. It doesn't make sense to file and then manifest cause it always feels like she's evading responsibility.
Taking the time to consider whether a purchase is truly necessary can help you make more thoughtful financial decisions
I don’t think this woman is a good person. It has nothing to do with her debt. She evidently believes nothing she does is wrong, justifies her behavior to her childhood trauma but never takes accountability, and attempts to make others feel bad for thinking she is a mess. On top of it, the string of pseudo psychology vocabulary mix with new age manifestations reeks of manipulation and narcissism.
5:51 YES. she started talking about this and it resonated so loud with me.