22 Minutes of Women in TERRIBLE Credit Card Debt..

Women are in TERRIBLE Debt for 22 Minutes..
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NOTES:
These videos are not encouragement for viewers to go and harass these people. The videos are for entertainment and educational purposes only and I do not condone any such harassment or hate.
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[@Griffinmind]

Would you Date a Woman with $15,000 of debt?

[@vashspecter]

Hell no, I’m getting out of my debt, why would I date someone with debt, especially dumb debt like 10k+ of debt over shoes or something stupid. Also, don’t go into debt helping others with the promise they will pay you back, chances are they won’t and they did it to other “friends “ to maintain their lifestyle

[@TorontoGuy]

Fck no!

[@jorgebarriosmur]

Nope

[@chefnyc]

I don’t think even an ironclad prenup can protect you against an irresponsible woman. She will drain your money, and there will be no money left to share during divorce. Or she will drain your energy or the space in your house. You may need a larger house because of her. But you can date her: She will think it’s free money and pay for your dinner 😅

[@WhenTheManComesAround]

I'm 100% debt free included my house. Lived like I was broke for years to do it. I'll never be a long term indentured servant again, and have found a whole ton of women with zero debt beyond our shores by visiting in person. Never again will I take on a relationship that brings me back to indentured servitude. Never!

[@HattoriHanzo-fg8cy]

Always remember, if you tell her she shouldn't buy another pair of 500 dollar shoes or 150 dollar dinners. You are FINANCIALLY ABUSIVE.

[@xavierayayaell546]

This is literally where 50% of "he was a controlling monster" narratives come from

[@HattoriHanzo-fg8cy]

@@xavierayayaell546"He was insecure and wanted to suppress my sexuality"! I just want to make sure we don't get evicted and have food....

[@billybio6840]

And called a brokie 🙄😂

[@pragueexpat5106]

yeah, pretty much everything men do these days is either "abuse" or "violence" ..

[@isaiahyoung5377]

Based Hattori

[@Helicard]

My mom still believes she only has to pay the minimum they ask for. She hates when I call her a child

[@andrelockridge9109]

Accountability is a woman's Kryptonite!

[@nidhoggr4308]

Always tell them how things are, dont let yourself drown in there fantasy just for convenience.

[@jorgebarriosmur]

So, she is going to pay only the interests and never reduce her debt? What could go possibly wrong?

[@aaronpatterson2369]

...typical whaman

[@barcster2003]

Hey technically that's true but go ahead and pay for a lifetime.

[@sirawesomenessi1796]

The banks will always love to give you another $3000 when you’re at the limit.

[@ohbejuankenobi663]

Not the banks fault if someone can't spend within their means

[@kmafia229V2]

To keep digging that hole

[@aradesh1134]

Hell, I told my CC carrier to reduce my limit. 🤣

[@acbeaumo]

Having a high limit is actually useful if you are financially responsible, since one of the things that contributes positively to your credit score is borrowing a low percentage of the credit limit.

[@KiltedYaksmen83]

Well, up until you destroy your credit rating.

[@mw-pl5rg]

Coworker called off his wedding when he found out his fiancee was in 189k in debt. 89k is student loans the other is credit card debt. She actually told him it's no big deal you make good money we can do this. He told her he wasn't going to accept her debts so he called off the wedding. He then realized she was just pressuring him to marry her after he called it off. Since she wasn't willing to file bankruptcy to eliminate her credit card debt at least. He just broke up with her. As he said that the whole let's get married and then she would have access to his credit. As he said he had no intention of becoming financially stable to be destroyed by the person who is supposed to add to stability.

[@bellanniepickles]

Very smart man!!

[@TimesUp8888]

That is an insane amount of non-student loan debt! Just so you're aware, there ARE a lot of men like this too, but much lower %. I felt like an enormous weight came off me when I divorced my ex-H and realized his >$200k of student loans he had 0 intention of ever paying off despite a $200k annual salary, + like $25k of CC debt that he definitely would pay off. But the additional >$400k mortgage I got out of my name in the divorce as he kept the house, as HE was the single parent while I'm childfree.... It looks all put together on the outside in his case, but I've been able to pay off my personal debt SO much easier without him in my life. He was a spendaholic but perceived himself to be perfect with $$ because he made it appear that way. Today there's no way he has less than $600k total debt. I feel better without a mortgage. And with my career that's been so much better without all that drama and stress in my life.

[@coffeepot3123]

It should literally be mandatory to show your finances before marrying/moving in with someone.

[@dayanarab6874]

Smart man,, as a woman I don’t have any debit and great credit but I go to the dollar tree and thrift stores if I need something 🤣

[@tylerkinley268]

"we" can do this? I hope you got a mouse in your pocket or split personalities cause there ain't no 'we' until you fix you. If they haven't learned on their own, they will drag your finances down too.

[@efraim3364]

55 years old and *ZERO* debt

[@RedClover1987]

Ditto

[@jorgebarriosmur]

I don`t have even credit cards. Paid them of decades ago and cancelled them. I only spend money I have ,although living in a country with a universal health-care system, and public education from kindergarten up to university, helps a lot....... Debts-enslaves you.......

[@sfrealestatedealmaker6001]

@@jorgebarriosmurI earn money by paying off my cards in full every month, get cash back for using them. Debt is great IF YOU HAVE DISCIPLINE.

[@jmk3723]

That’s good, but debt isn’t necessarily a bad thing. It lets you leverage finances.

[@ravenlorans]

I Receive only $1,350 a Month on Disability.. I am Able to Put Away just over $500 but mostly $500 away a Month after Bills and Food... and Live Quit Well... Everything I Own is Paid For and I Own!.. Tho MIdland Funding says I Owe Them $3,650 on a $250 Credit Limit 20yrs ago.. They Withheld the Last Payment 3 Days, saying it was late on a $200 Purchase... On a $200 Purchase they say I owe them the $3,650 in Late Fees and Other Fees.. Even took me to Court and Lost the First time. A Year later took me back and won?? What about the 7yr Statute of Limitation??? Then Sold the Debt to a Minimum of 6 other Credit Companies all saying I owe them between $1,200 and the Full $3,650... I went from a 780 Credit Score to a 300... 20yrs later and Still trying to collect.. They are Vary Well known to do this shite!

[@bluearchangel1554]

Them: how tall, how much money, what car? Us: weight, bdy count, debt? Them: Reeeeee

[@MrRyby]

underrated comment

[@SomeUserNameBlahBlah]

Women: "How much money?" Me: "I make x amount" Me: "Now, how skilled are you in the bedroom?" Women: "OMG, how could you ask that?" Me: "Look b!tch, no free lunches"

[@PeopleRTheProblem]

I mean men “Reeee” too when asked about height, manhood, and success

[@scoopaway9176]

​@@PeopleRTheProblem women are the problem facts mf 😊😂🎉🎉

[@TwattWaffleWhitney]

It's even really about weight. It's like, is your BMI higher than your IQ, or are you a complete cow.

[@bartuc88]

Didn't think you have to have a financial degree to know not to spend more then you have...

[@MorteoLX]

I felt like a loser for not being able to afford all these luxury items. Then I found I actually have more money than these people wearing Gucci in their BMWs.

[@xavierayayaell546]

They're just practicing the methods of every left wing government

[@davisjames8484]

Than

[@rholmst]

I do have a finance degree, and also economics. A couple of rules that would benefit most people: 1. Never finance depreciating assets. Cars are a good example of this. 2. College isn’t for everyone. There’s money available for those that can pull grades. If you need a loan for college (i.e., you can’t pull grades), then college REALLY isn’t for you. Trades pay very well. Trade schools actually pay you to attend. 3. Don’t count your chickens before they’re hatched. As an example, don’t spend anticipated windfalls before the money is actually in your pocket. In other words, don’t spend money you don’t have. You can use debt to finance appreciating assets. Houses are typical example of an appreciating asset. 4. Invest in your future and in yourself first. If you’re working for a company that offers a 401k, take advantage of it, especially if they offer a match. At a minimum, enough to get the match (not doing so is just leaving free money on the table). If you can’t max out, increase your contribution annually until you do max out, and keep doing so. Not working for a company with a 401k? Start an IRA and, again, max it out. 5. There’s nothing wrong with using credit cards as long as you pay them off monthly, and follow the above rules. Don’t waste money on frivolous things.

[@samimermer1982]

Do not underestimate the stupidity of the human race.

[@MorteoLX]

Guys are hung up on body counts. Ask a woman for her CC statements, her bank account, her W-2. She'll be more offended than if you threw a scale on the floor.

[@michaelbouillon1241]

™

[@TimesUp8888]

😂😂😂 A man would be even more offended and call a woman a Gold Digger is she asked for all that. Even if he made 1/3 waht she makes.

[@kingkohli4952]

@@TimesUp8888except women do ask for that, expect men to foot bill for dates,ring,marriage and for everything, there’s nothing short of women asking men to be the prince but god forbid men ask for women how many they slept with? Women lose their shite. Sit this one down love

[@OnBakePlatinum]

Even more important, what prescriptions is she on?

[@nightshade6433]

​@TimesUp8888 we gotta normalize talking about our debts with longterm partners lol

[@GuardianTactician]

People treating money like they are the government.

[@pandoratheclay]

@@dragonlordpeter9006 90% of the world’s money literally doesn’t exist and the government are using a majority of it anyways

[@TreffengammlerSL]

i don't know if i posted this already on your channel, but there is a saying in germany: we buy stuff, which we don't need, with money, which we don't have, to impress people, which we don't like

[@ScottRadkeMusic]

Shh 🤫- the first rule of Fight Club is…. ahh- never mind 🙃👊🏽 Such a true statement about many folks behavior 🙌🏽

[@Bunnyfoo2199]

That’s sooooo true!

[@parthsavyasachi9348]

Not only we buy stuff, we go on holidays 😅😅

[@Negentropy369]

That's a quote from Fight Club. Have you never seen it? If not, you should, particularly since you're watching content like this. I assure you it's not a movie about fighting, but I can't say any more than that. One of the greatest movies of all time.

[@dovakeen1179]

I remember seeing everyone with nice cars growing up thinking my family wasn't as well off. We were 10x better than everyone else as everything we had we owned. Now i realize how much debt everyone is in 😮

[@loganstroganoff1284]

It's the same now. My car is 8 years old and paid off. Nothing fancy but I own it. So many peers of mine drive 50k+ beast pickups and SUVs they have to put $200 a week or more in gas just to go to work an office job, get groceries, etc. Same goes for their other toys like boats, 4 wheelers, freaking GOLF CARTS which have become fancy and expensive as hell. It's insane. These ppl will likely spend their old age living in poverty.

[@NobbyClark-g3y]

Yep, all on lease, clothes on the cc, cable, internet, mortgage or rent, the train wreck's happening in real time, governments are the same. Debt free for 5 years now, own everything

[@CheesusSVT]

Truth.

[@thevolatilitywhisperer7616]

My son is 9. We explain finances to him already. He knows more than alot of adults tbh. We can't complain that schools Don't do it. They're our kids, our job to teach them. I always used to say I wish I learned this or that, so I teach him so he won't have to struggle like I did. Ultimately it's our responsibility.

[@HattoriHanzo-fg8cy]

For real. I could teach people very basic financial literacy in an afternoon over 2 cups of coffee and a grilled cheese.

[@Unearthlywhales]

Explaining is 1 thing, he needs discipline too. Without discipline he can still just max it all out all the time. Also hubris can become a pitfall, thinking you can "abuse the system" can still get you in debt real bad because you think you know everything. Don't get me wrong, I applaud you teaching him so young and giving him the best possible understanding about finances you can, however there's more then just knowing it that comes into why people get in debt so bad.

[@davorin5428]

Maybe some won't belive this, but my son -11y makes gross 400-500/month ( record was 1400 eur ) with his bike and helmet driving around the city and programing/selling RFID fobs for apartment residents on access door control units that I installed in last 15 years. People always need more fobs so I gave him that part of the work. He started at 9y old. Rain, snow, wind, earthqauke... he doesn't care :)

[@nistarok123]

I love how that one woman 1) couldn't even cut the card right 2) didn't even damage the actual chip in the card. Absolute brainlet.

[@scorpiox100]

she probably thinks there's a whole machinery in that card, not just a chip. let's be real..for those kind of brains most things on earth are blackboxes

[@mizelle4096]

she needs better scissors

[@mrbugman67]

I have that card. It's metal. I busted out laughing at her trying to cut it.

[@kerwingray9386]

I got divorced at 48 and started dating. One of the first girls I dated was 36. The morning after the first night I spent at her house, a debt collector called her home and his message played on her answering machine. Very odd for a middle aged corporate lawyer who had never paid a dime in interest on a consumer loan (not even on a car loan) to hear. I knew about people with credit card debt, but this was my first direct exposure to that world.

[@nucleargrizzly1776]

I met a girl in her early 20's that graduated with nearly $100K in college debt for an unusable degree and over $60K in credit card debt.

[@malcolmapplet4313]

@@nucleargrizzly1776 Wife her up??

[@jorgebarriosmur]

@@nucleargrizzly1776 In my country that money could get you a decent, middlesized house (perhaps not in our biggest cities, but in almost every other place)

[@nucleargrizzly1776]

@@jorgebarriosmur In America it's very common for people, particularly women, to get six figures in debt earning a degree in a vocation that there are no jobs for.

[@TimesUp8888]

What decade was this that this story features a literal answering machine with a tape that plays out loud? Last time I had 1 of those was the mid-1990s.

[@wtfserpico]

Personal accountability, especially as it concerns women, left our culture with shame. This is all a direct result of that.

[@deeceehitsquad3605]

This is a straight wisdom comment…

[@PeopleRTheProblem]

No it didn’t. We’ve always avoided accountability. Men the same as women.

[@PeopleRTheProblem]

@@deeceehitsquad3605if you think this is wisdom then you should probably be featured in this video

[@wtfserpico]

@@PeopleRTheProblem Yeah. Okay guy. If you think the culture in the US re: accountability and shame is the same as was 10, 15, 20+ years ago I have a bridge to sell you in Brooklyn.

[@PeopleRTheProblem]

@@wtfserpico well seeing as how you’re still using phrases from the 50’s I’d say yea things don’t change

[@josiahmick1175]

they think a beta-bux will come along before the wall

[@christophertaylor9100]

I doubt they even think ahead that far. They just think its free money

[@sole__doubt]

The sad part is they are usually right about the beta bux.

[@jmz2144]

Makes me wonder how much debt the Cheesecake Factory lady has

[@bluearchangel1554]

This is why you wouldn't give a credit card to a 13 year old.

[@christophertaylor9100]

Or a person with a 13 year old mentality

[@nucleargrizzly1776]

But a 13 yr old can get their junk cut off?

[@JessyAyotte]

Bruh I'm 13 and I would'nt spend like a dumb... or a women.

[@Sirmusty425]

@@nucleargrizzly1776they are just getting illegal hormones from doctors that don't obey the rules of their job. no child is actually getting their privates chopped up

[@Yasharalal144]

PROVERBS 21:19 IT IS BETTER TO DWELL IN THE WILDERNESS THAN WITH A CONTENTIOUS AND AN ANGRY WOMAN.

[@algor0077]

FACTS!

[@GabrielTobing]

Lol i had to check if it actually said that and it does hahahah

[@krispypriest5116]

Love the Proverbs. Lots of knowledge out there for those that look. Peace to you my brother!

[@k8schmate]

What does this have to do with cc debt tho

[@jmz2144]

​@@k8schmatebecause if you check your wife on her spending habits she will become angry

[@user-zb7qf8rq5r]

As a banker a few observations. 1. Compound interest is the 8th wonder of the world always be on the correct side of it (savings building savings rather than debt increasing debt) 2. An attractive woman going into debt to dress well and attend the right places can be an optimum strategy if that bags a rich husband who settles your debt 3. A very big source of marital strife is men attempting to stop their wives running up debt. 4. Women actually see men trying to stop them spending beyond their means as a problem rather than the lack of money being the problem. 5. Women actually believe that by getting rid of the husband who had been preventing her from spending money they did not have will allow her to spend more rather than less

[@donaldoehl7690]

Best comment here!😮 Truth

[@aaronburdon221]

"Banking institutions are more dangerous than standing armies" -Thomas Jefferson

[@stevebc957]

The problem with #2 is so few end up pulling it off - so many women are delusional and think they are much more attractive then they actually are so they set their sights on guys they will never get while the cost of maintaining their fake lifestyle puts them further and further in the hole. And sometimes they end up with a guy who is doing the same thing and thinking she is the answer to his huge debt.

[@jmz2144]

​@@stevebc957two attractive people in massive debt who both think the other is rich sounds like a romcom

[@WarlockX4]

I was wondering how that woman could take home $3117 bi-weekly. Then she said she was divorced...

[@TimesUp8888]

I'm a divorced woman with 0 kids and nobody pays alimony anymore if they're not super rich... I take home more than that amount because I have a real career, like many women in this century. Y'all are just jealous. My women friends make more than I do. Most are either single by choice and/or childfree by choice. the married ones have children. So many ppl out here aren't as dusty as the guys on the internet 😂

[@mikey92362]

​@@TimesUp8888Gosh, I can't imagine why she's single! LOL

[@Noname-em6pe]

​@TimesUp8888 I don't think the part that only super rich ppl pay alimony is true though. My wife is a stay at home mother. I made 125k last year. I am pretty sure I would have to pay alimony if we were to get divorced. I have coworkers that do. I don't worry about it personally because I know we won't get divorced, we been together since highschool, and are now in our mid 30s. But I am by no means super rich and I'd have to pay it.

[@mikey92362]

@@Noname-em6pe And what women like her never mention is that, if the situation were reversed, there's almost no chance the court would make her pay you alimony. That's what happened to me. My ex made over $100k. She convinced me to quit my career in order to be the full time caregiver for her daughter, our son, and her dying father. The minute the kids didn't need me and her father passed away, she let me find out she was cheating and she left. She cost me everything in court. And the biased judge just told me "you're a man. Get a better job." Not one penny to help me get my life started again.

[@Noname-em6pe]

@mikey92362 I'm sorry that happened to you man. I always try to help people which can be an annoying trait lol, but my 2cents is that there are good women out there still and you can find a good one and be happy with one. Men have become so demoralized in this country and I see people giving up. I also see men making bad decisions with women. Most of my friends who ended up being in a bad marriage had GOOD girls that were into them in highschool but they turned those girls down because they didnt have a big enough butt or whatever small reason. You cant always have your cake and eat it too. I notice a lot of men actually want the p0rnstar but they claim they want a girl with traditional values. Then they say its all women that are the problem but they were actually the ones that turned down many good women that would have been loyal.

[@donaldoehl7690]

I was watching TV with my then teen daughter when a CC commercial came on. She didn't understand so I told her this: These CC companies are not in the credit business, they are in the business of DEBT!

[@doraemon402]

Why people get credit cards will always be beyond my comprehension. Never spend what you don't have.

[@christophertaylor9100]

They have their uses, but yeah be very cautious with them

[@HattoriHanzo-fg8cy]

1. It builds credit. 2. You are not paying debit fees. 3. You get reward points / cash back 4. You need one to rent a car or hotel room. 5. Carry little to zero balance at the end of the month. That is the secret.

[@ianhemingway5687]

think of them as instant loans. it's not money you have, but when something big comes up, while you should have savings to cover most things, they can be super helpful.

[@Macca-95]

I put everything on my credit card and I don’t ever spend a dollar I don’t have. Credit cards are great because I earn points (effectively 2-3% back on everything I buy) and get a variety of insurances for free. Not using one is just leaving money on the table.

[@ChangYu-wi4ez]

@@HattoriHanzo-fg8cythe cons outweigh the pros. Debt is not worth the risk. You can keep the credit cards. Credit card companies stay In business if you didn’t notice!

[@Madmax-rz5hz]

Reminds me of when my wife complained "why do you need so many guitars, you can only play one at a time"..." errr, why do you need 60 pairs of shoes?"

[@tylerkinley268]

And I'm guessing the answer had something to do with color coordination or matching an outfit, so give her the same explanation. "Well this Gibson goes with these pants..."

[@Madmax-rz5hz]

@@tylerkinley268 I went with "I haven't collected the complete set yet"

[@tn18977]

Sounds like both of you are stupid consumer bots

[@marilynmonheaux]

Men date women 10 and 15 years younger then get surprised when they’re childish.

[@giovanniiacovelli4558]

As an Italian, I never understood why in the US credit cards are so common. In Europe we ofc have them, but for the majority we pay with debit cards because, as my father told me when I was a kid, "you only buy things that you can afford, credit cards are dangerous".

[@bellanniepickles]

I have 2 CC. I purchase everything on my cc. I bank online, and I pay off my balance whenever the charge appears. I do this because I can dispute any charge on my cc's account, BUT I can not dispute a charge on my debt card.

[@ThunderStruck94660]

Cause in the U.S. fraud is so bad that if you use a debit card, someone will skim the card and wipe out your bank account. A debit card never leaves my house.

[@householdhacks]

in public schools they removed the classes that teach financial responsibility. in my school they literally taught us to spend more than we made and put it on credit lines. i now know why that teacher was nearly 70 and not retired. also debt sl4ve=best sl4ve

[@StaciaBielka]

2 reasons: Fraud protection and Cash back. Obviously cash back only makes you profit if you never owe any interest. But there are plenty of people who just use CC and replenish the balance back in full every statement period, not paying any interest ever. So it only brings profit in this scenario.

[@DergEnterprises]

I have an alcohol budget. For my entire life it's been set at $0 and so far I've never exceeded it. I don't drink or smoke.

[@ThunderStruck94660]

Beer is proof god loves us:)

[@Wacooon]

i drink a fair bit but never go over my budget and never let it go over my monthly budget but too many people my age blow all there money on alcohol from there paycheck

[@nargalda773]

you can get drunk and high, and pay 0, its called HAVE FRIENDS

[@nargalda773]

​@@ThunderStruck94660beer is basicaly 98% water, its not alcohol

[@ThunderStruck94660]

@@nargalda773 you are not wrong for sure

[@Chronomatrix]

And here I am at 33yo living with my parents because I'm trying to save as much as I can for a future that might and probably will never come.

[@HattoriHanzo-fg8cy]

Save but invest simultaneously.

[@channingtaintum]

I’m in the same boat as you, brother. 32 and live with my dad. Started my own business a few years ago and trying to get that off the ground but the economy is in the gutter right now and people aren’t building or buying.

[@bellanniepickles]

So you are financially stressing your parents because you are not responsible.....

[@aaronpatterson2369]

@@bellanniepickles..exactly.

[@aphrodite7194]

@@bellanniepickles ok boomer...you are reason he can't afford a house.

[@benprins8240]

Women in terrible credit card debt🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣 Who told you to buy all that crap. Geez the thought process of people these days is laughable. I see this everywhere.

[@deadlink1137]

other fools on Tik Tok + banks told em. and they swallowed the bait, with hook, line and sinker

[@scienceofthemagi9750]

Didn't you know bruv There smarter stronger than us. Clearly

[@luminouslight3579]

I seen plenty of dudes get into debt in pursuit of poontang. Clown world we living in. Worst part is, we responsible folk end up footing the bill for these dumbasses. I guess that makes responsible people the dumbasses... fml.

[@hongolloyd8728]

Debt slavery is a buisness. You are the transaction.

[@KUCHENR1]

I drove my recent ex to work every day. I came home from work at 11pm, got up at 4am to drive her to work, return to bed, went to my shift and repeat. For the most part I didn't take any money from her for that. One day she kicked really hard against my car's dash yelling "this garbage car" and excused herself with "sorry, im materialistic, cant change that" TLDR, she walked 2 days and monkeybranched onto another dude which did the same week i stopped driving the little princess. Her mother paid for an appartement 4 months in advance so she can leave "this trash guy" (me) and even gave her 5k for forniture. how will these kids ever learn? they dont :D

[@SicsemperevelloMortemtyr-by9hj]

I perpetually pay off my card. Never have debt more than a month. Never paid interest once. And I'm poor AF. They just increased my limit. 😬. I find it hilarious people with amazing jobs/income are in debt.

[@donaldoehl7690]

Many high earners are drowning in debt. People think my wife and I are wealthy cuz we ride nice Harleys. HA! We found great deals on used machines and paid cash. We were able to save up cash cuz NO credit cards!

[@SicsemperevelloMortemtyr-by9hj]

@@donaldoehl7690 THIS IS THE WAY.

[@OnBakePlatinum]

It's so easy with the apps that are on my phone that I constantly use. My utilization is 0% despite using my credit cards all the time because I pay them off so often, ie whenever I open my banking apps

[@jmz2144]

I've heard the more you earn the more you spend

[@Crow-l6k]

A woman that records her self stuffing food in her mouth is gross.

[@scottthompson3493]

Some people will pay to watch

[@davidm113]

Music to my ears. Women are the biggest spenders and the largest consumers of credit card debt.

[@aaronburdon221]

My dad taught me ALLLLLL about credit card debt trying to raise 3 kids. I vowed to never have credit cards. When i got old enough to work, we came up with a plan to pay off his 13k cc debt with a 22% (average) rate. We were literally eating ramen noodles and donating plasma for 2 years on top of working all the OT we could. Finally got it paid off and i personally cut up his cards and called the companies to take us off the mailing list. Hes now saving for retirement and im saving to buy my house

[@booboolips6053]

My 60 year old sister just paid off her student loans. Now she’s ready to save😱…..debt can drain the life out of you.

[@TheDextermat]

Emotional intelligence of a toddler, no control spending over their means, make a budget, can't manage any economics.

[@CtrlAltDelite]

For any females in the teenage or younger range who happen to be here, please listen to the 15,000 cc debt girl. Then, begin consuming everything on KZbin relating to financial literacy. You are targeted by the colleges, credit card companies, consumer products industries, etc. They want you in debt asap so they have you for life. Understand the scheme and avoid it. Young dudes in the same age range as well, stay away from this spending practice. Do you want to be "owned" for life like cattles or sheep? Take it from a debt free grown adult who has been in debt before. Easier to avoid it than dig out if it. Thx for doing this one, Griffin. Outstanding.

[@HattoriHanzo-fg8cy]

I have seen it from both sides as well. Credit so poor they wouldn't give me a cheap ass cell phone plan. Do you know how shameful it is to not be able to get a phone at 26 years old? Now I have banks offering me lines of credit and credit cards with a combined limit of 75k in my wallet. Do I max it out? Hell No.

[@CtrlAltDelite]

@@HattoriHanzo-fg8cy nice work, my brother.

[@HattoriHanzo-fg8cy]

@@CtrlAltDelite Thanks!

[@brianhochstettler322]

I have lived "cash only" for over 20 years now. I have no credit score, nor credit history and I've never been more financially stable.

[@megaman97897]

Credit limit increases are fantastic at keeping your credit utilization ratio lower. That is the only sane reason to go for them.

[@OnBakePlatinum]

Same here. I also pay off my cards constantly (like as soon as my weekly paycheck drops) so despite using my credit card for everything, my utilization is 0%

[@jdhappy7663]

If you use your credit card like a debit card and only buy what you have cash for. You can get miles, money or whatever your credit card company gives you back on something you're spending money for anyways. Just pay it off every month. Will also give you great credit

[@mikey92362]

About to turn 56. Never had a credit card. Never borrowed money. Never financed anything. Never paid interest. Never made a car payment. And my bank balance shows it was a smart way to live. If you can't afford it today, then you don't need it today.

[@MuumiPeikkoX]

I agree, with the exception of a house loan. Better pay off a mortgage than pay rent while saving to buy a house later.

[@mikey92362]

@@MuumiPeikkoX I'm on the fence there. I did make a huge down payment when I bought my house in 2000. Paid it off a few years later. That's the only time I've ever borrowed. Seemed like a good investment at the time. I'm in the process of selling now. It will sell for almost 5x what I paid. But when you look at maintenance, taxes, and all the tons of little expenses, I'm not sure if it was a wise investment. I'm putting the $500k I'll be getting from it in CDs later this year. I'm building a tiny house and just gonna live off grid. The money I'll get from the investments, plus the money I'll save in texas and bills, plus a small stipend I'll get for caretaking the land I'm putting my house on, will net me almost another $7k per month. Honestly, I'll be thrilled when I'm no longer a homeowner.

[@OnBakePlatinum]

If you have a cashback credit card and actually pay it, you get free money. I mean it's not much (few hundred a year for me) but it's free money.

[@mikey92362]

@@OnBakePlatinum Yes, this is true. My best friend is the richest person I know and he does this. 100% of his bills and monthly expenses all go on one card. He pays it off every single month and earns thousands of free dollars every year. However, I know my limitations. I'm not a type-A person. I'm a laid back hippie and a procrastinator. And I know for a fact that I'd forget to pay off my card on time once in a while. If you screw it up and pay a day late even once, the fees can cancel anything you've earned. Also, I'm VERY fearful of a financial collapse, either at the persona level or the national level. It's a product of having four grandparents who survived the great depression. So even carrying debt for just a few days causes me enormous levels of stress and worry. There's no amount of rewards that could make it worth it for me because of that. So just a few thousand extra dollars at the end of the year would literally mean nothing to me. Being free of stress is priceless. :)

[@yyz4761]

I hD a girlfriend that I was thinking about getting serious with but she had an enormous amount of credit card debt, I just couldn’t do it.

[@saeedhossain6099]

married to the bank manager..... and the bank collects, winter isnt here yet you just felt a cold breeze.

[@barcster2003]

I'm not a bank manager but I defintely know that you will not be able to own things for long with large amounts of debt.

[@Yasharalal144]

"THESE MODERN WOMEN NUTTIN BUT USED UP POLLUTED SEMEN SEPTIC TANKS"

[@Horsemen4deth]

This makes me feel better about my 500 bucks in credit card debt.

[@motelghost477]

12:00 The scary thing is she's one of the smarter women because she woke up to herself.

[@Swecan76]

The odd thing about the $10 on CC. That is the initial minimum that needs to be paid. But if you rack up a large debt. That minimum increases. Easily to $500 a month to pay off just interest on the multiple thousands they might have in debt. But the scary part is that she didn't even know how it works. She seems to think can just buy whatever and only ever owe $10 a month. Wow.

[@lemonte9807]

and the reason why they demand a six figure man. pathetic.

[@donaldoehl7690]

ALWAYS demand financial counseling with full disclosure before you marry!

[@jmz2144]

Probably why they don't see 6 figures income as crazy when they have 6 figures in debt

[@themowpacer]

As a recent older widower with a paid off home, car and zero credit card debt I can assure you this is why I'll never seek a permanent relationship again. These women carry the burden of debt at least here in the US. They will try and marry into retirement.

[@benoitbrouillette6481]

If you need a loan to buy a car, you can’t afford this car. By a $4000 beater, save up and then buy the car you want. Pay in cash, not in credit

[@nolongeranurse3369]

I just spent 8+ years working 80 hour weeks buying my freedom back ( after taking on debt/ selling myself into slavery) I wish I had learned how money worked when I was much younger. No credit card debts. No car payment debts. No house payment debt. Everything is paid off. I can now live and pay all my bills on less than $1500 a month and have a few luxuries.

[@richtea615]

They let these people vote and drive cars as well.

[@mlord1815]

Flexing over here with zero debt, immaculate credit history and retirement abroad before 40. That is what is achievable without a woman to hinder your progress lads.

[@popofabulous]

Did you save a certain amount or do you have cashflowing assets to manage that?

[@tempacct5812]

No kids?

[@maximus451]

"Women are financially independent. We have have our own money and our own bank accounts and our own credit cards." And how's that working for you? 😂😊

[@runikvarze6191]

I don't even have a credit card. I live debt free on a single income. I still have new things to do every month, I eat well, and I rest plenty. The people in these clips are just bad at the game.

[@Shadow66090]

Credits cards are like fire. A good servant, but a bad master. Control your spending, set a low max on the card. Pay for food, clothing items, gas, electronics etc with it. That gives you a good overview on your spending and shows if you are going overboard within the month. Pay bills for electricity, accomodation, phone, internet, TV etc from your regular account. ALWAYS have your credit card set to be automatically paid off from your main account. This way you can enjoy the benefits at absolutely no cost to you.

[@genkibob]

Whoa. Never set a bill to be automatically be paid. If they screw up their billing by adding a few zeroes or someone steals your card and goes on a spending spree, the card company will take the money anyway, and good luck ever getting it back when you file a stolen card report. Maybe you'll get refunded in a few months after their investigation. As long as you hold onto your money, you can more easily contest the charges, and cancel your card if they don't find in your favor.

[@donaldoehl7690]

IF one has the discipline, of course!

[@BrunesKitten]

When I was in my 30’s I was going through my closet and realized I had over 50 pairs of brand name jeans! I wasn’t upset about it because I got all of them at the Goodwill 😂 Everyone I worked with thought I was a spoiled rotten married brat! Joke’s on them 😂

[@sterlingdennett]

In THIS economy, they STILL can't stop spending? And, what, they are EXPECTING to land a rich man, who will pay off all of their debts? Good Luck with THAT, honey! After all, how many rich men are LEFT in THIS economy???

[@CarlWinslowFM]

My male friends are in the same boat, they just aren’t as proud of it as women

[@gameswownow7213]

kings don't even waste any time with a girl that has more than 1K debt and always ask about this. u don't want any surprises like those

[@TheImapotato]

I will let you know...a Credit Score is useless unless you want debt. I have 2 homes paid off, car paid off, no student loan, a credit card for online purchases that I pay in full...and my credit score sucks now, because I do not take on debt...yet I can buy most things I need with cash

[@OnBakePlatinum]

It took me forever to reach 800, and now it's even slower. It took years to go from 800 to 803. I'm green in all categories except amount of accounts. I have 4 cards total and no loans.

[@Jawes222]

I remember my first card only had $1,000 limit. there was one month where I was unemployed and had to dig for change in the couch to make the $10 payment. Only time I ever carried a balance. pay it off in full each month now and collect that sweet 2% cash back, baby!

[@Azumazini]

I'm still trying to figure out how 18 year olds are getting a 5k credit limit. When I was 18 (i'm 40 now) the most they would give you is like 250-500 dollar limit until you had established a credit. Hell, half my friends had to do a deposit for their credit card with the bank where they gave the bank 250 dollars and they gave them a 250 credit limit until they established a credit report. Mind you that 250 was given back to them in their checking account after a year as it was basically a guarantee to pay off the debt if they missed a payment. Even now with a 770 credit score, they want to see my income/accounts for adjusting my credit limit. It's just mind blowing to me. Maybe it's a credit company I don't use that's just tossing this stuff out like candy lol.

[@Zygfryd-xn2hh]

When I was in school I was always jealous of other kids who were from similar households (or poorer) and they always had new shoes, fresh clothes and ate sweets in school. Now after many years I know that I was just in a very bad situation and my family was financially responsible enough to not rack up debt. A few of my friends had to pay their parents debts when they reached adulthood just because their parents wanted to keep up the appearances and spent a lot of money that they didn't have.

[@caseynash9729]

6:56 social security will not exist by the time we "retire"

[@Jelliott424]

Facts it’s just money being absolutely stolen from us at this point.

[@ivanhughes8699]

Fair dues to you man. Keep calling out the bs and keep it 💯. Much respect from Ireland! 👍😀

[@beegchunguz7425]

Paid off my credit cards, have an 800+ credit score, own my car. If you have little to no debt, know you are richer than these people with a house they cant afford, and a wallet full of maxed out credit cards. Dont let the banks own you.

[@OnBakePlatinum]

And, if you play your cards right (pun intended), the bank will pay you instead. Cashback rewards and savings interest.

[@Treerootz1]

“Don’t spend what you don’t have” also Griffin: “you can use your credit score for an auto loan” 🤣

[@sole__doubt]

An auto loan is way less interest than a credit card and you need a car.

[@Treerootz1]

Or you can buy one you can afford and not waste money on interest

[@sole__doubt]

@@Treerootz1 Yeah but how are you going to get that money without a job? You need a car to get to work on time and you can get a low interest auto loan and pay it off early if possible. Ideally it would be great to save up and buy it outright but thats usually not possible. Its also a good idea to use credit to your advantage and build a good rating, especially if you want to buy a house.

[@OnBakePlatinum]

I bought my car from the dealership with a cashier's check, then paid the taxes and fees on my cashback card. I made $14 by doing that 😎

[@buhner1991]

I have 13 credit cards. I owe approximately $250 this month. That is not my minimum payment, that is my total balance owed. Credit Cards are incredible, but people need to use them wisely. Pay them off 100% every month. You will increase your credit scores and get better interest rates for houses and automobiles. PLUS...I collect all the points and miles and use them for cheaper hotel rooms and airline tickets. But I always pay my debt in full every month. I will never pay interest on my Credit Cards.

[@kimochkaks]

I talked to my daughter about the importance of BUDGETING. Also, about not getting into large credit card debt. Once she started working, I took her to start a Roth for herself so that she’s going to have a nice pile of money once she’s my age. Her choices are up to her now- I did what I could to give her a good start.

[@anthonyolive1950]

Don't spend more than 30% of the credit limit on a credit card. Pay that rascal off at the end of the month. Those 'credit helper' websites ARE NOT your friend. They are forever telling you that you need another credit card. I put my cap at two cards! Follow these steps and your credit score will be above that 720 window.

[@Varxiva]

One of my favorite videos of yours - I love learning about money. At about 24, I had roughly $15k of debt. I saw what was happening and sold my car for a cheap reliable older civic, cut back my lifestyle, and have focused on devoting a portion of all my pay to paying off my debt. Closed a few accounts and avoided anymore loans. I only have a secured credit card which I immediately pay off to help rebuild my credit. Stay on the path of progress. 👌

[@shrugger1]

I have 2 credit cards, with $27k total limit. I pay off what I've spent when I get home that day. Lots of cash back. Zero interest

[@administrationhandle]

33, zero debt anymore. Took out a 20k loan at 22 and bought an enclosed trailer and filled it with tools. Best decision ever. House is paid off, but I'm thinking of buying land

[@Swecan76]

The Wife and I use CC. But we have never had a single interest charge or 'debt' on it. We pay it off in full every 2 weeks like clock work. Our Credit score is pretty high and they keep wanting to raise our limits. We never buy anything on CC that we don't have money for. It's just a "tool" for purchases for us, not to rack up debt. We would eat sand before having any debt on a CC.

[@OnBakePlatinum]

The only reason to use credit cards is for the rewards and credit score

[@Cmoth040]

I taught my daughter that credit is a trap, told her to have nothing but a bank debit card. Thankfully, she listened. Anything with an adjustable interest rate is a horrible idea.

[@user-md6cv9rc9t]

There is a class on this subject or there was, in 1971 I took Home Economics in HS the teacher taught budgeting, checking and balancing check books. I never needed to bake a cake 1 semester, HE was a major in HS, so I only took the class I needed.

[@ssdcatracho77]

Never underestimate the power of stupid people in a large group. -George Carlin

[@BearPawSwipe]

Considering they removed all the classes that historically teach people this information, I wouldn't be surprised if they think the minimum payment is all they need to pay. It was going out the door when I was in high school in the late 1990s.

[@fl350r]

My sister managed to rack up nearly $250,000 debt by the age of 29. Things were looking pretty bleak for her until she found a rich older guy to marry. He took care of it and she divorced him 3 years later.

[@maranatha9924]

My first credit card gave young people a deal - 0% interest if your balance was under $1000 so you could actually ride with the minimum payment each month and not have your eyes gouged out by interest. Best believe I micro managed that to the max.

[@alloounou6900]

The banks find these women VERY interest...ing.

[@SicsemperevelloMortemtyr-by9hj]

They need a man, to apparently tell them "NO!!!"

[@snugglestruggle8437]

40 loans from credit cards?! Over 6k owed per month in credit card debt?! You should be in prison for fraud at that point only you won't be capable of repaying the debt you owe, so it's a lose-lose situation.

[@synikalhuman2875]

My daughter had a personal finance class in high school, now after college she has 23k saved, is paying off her student loans and has zero credit card debt.

[@FordManiac76]

If you don’t have a lot of equity in solid goods like a car or home, you are better off to claim bankruptcy and have 7 years of bad credit!!

[@donaldoehl7690]

Bankruptcy won't excuse Student loans 😮😢

[@TorontoGuy]

I've been saving and investing since 2000. Buying clothes at Walmart and making other sacrifices to get to where I am now. I will NEVER let a woman anywhere near my nest egg except to watch me enjoy it.

[@barcster2003]

Sounds like you are doing well if you've been doing this since 2000.

[@OnBakePlatinum]

I still have my high school clothes and shoes and I'm 38. I'm also unusual since I didn't get fat like everyone else.

[@tiamat1296]

0:41 Is that a BALD spot !?!?

[@busyphilosopher6078]

My first thought😂

[@bellanniepickles]

Yes

[@diamondstevens4612]

😂😂😂😂

[@EdisonSaul]

I know a person who is 3.5 million in debt and is still going with zero accountability…

[@abnmp7865]

My wife and I ran up credit card debt. A lot of dumb decisions that compounded themselves. We finally adjusted our spending habits and a few years payed it off. Now we are debt free and since our spending habits have changed we are no longer living paycheck to paycheck. Financial literacy - don’t spend money you don’t have and live within your means.

[@bluestaticsvs9610]

10,000 dollars in shoes. Made in China for a 100 bucks. Worth it😂

[@rickybobby421]

This video is exactly why I completely stopped dating since 2020. Far too many are in debt and refuse to fix the problem. Count me out.

[@palto567]

In the USA, women were not allowed to own Credit Cards without a male co-signer until 1974. Now you see why some fences should never be torn down.

[@oliviahansen]

The most shocking thing is that most of them don't even think that credit card dept is their fault

[@ShinobiOftw]

Her account went up 3,500. Not doubled. School is failing our youth.

[@cecibrazilian]

Something I’ve learned about credit score is that if you cancel/cut your credit card your credit score goes down at least 50 points, the longer tou have a credit card your credit score goes up 10-30 points a year

[@Matt-j4u2f]

I realized credit cards were evil when I was 18 years old in marine corps boot camp, and one day we randomly took a very uncharacteristic break from training to sit in an air condition auditorium so Navy Fed could give a presentation to my platoon about their credit cards. They even offered “rewards” to those who signed up.

[@itmeamie]

🎶 cause I have $13000 in credit card debt 🎶 🎶 when they call I tell them I can’t pay it back yet 🎶 🎶 tomorrow I might buy myself a dining room set or a new boba Fett🎶 🎶 credit card debt 🎶 🎶 credit card debt 🎶 🎶 credit card debt 🎶

[@theboredprogrammer1114]

I'm not american but I'm a woman. I've accumulated debt to rebuild my house that was destroyed by a typhoon. It's so hard that sometimes I think resorting to take some gigs and even prostitution crosses my mind that are not so nice but can save me from all of my debts. I live in a 3rd world country and inflation is spiraling out of control where I live. I don't have parents anymore. I'm just literally alone.

[@FordManiac76]

As people are becoming leveraged to the max the spending has slowed making this terrible economy even worse!!