A FIRE Follower On Zero-Waste Living, Real Estate Investing, & Saving 40% Of Her Income

[@makaylakindrex3171]

Single mother of two and when I say this is the first time I've heard someone in finance and savings industry adress the fact that some ppl don't have the advantage of having a partner and the benefits that comes with. I consider my self a frugal person and all but I struggle to single handedly brave 20% percent of my income. So a lot of advice I come across is great in general but I do not have the ability to apply that advice to my life at this point. If any knows or has a suggestion of who I can sorta look to for guidance or inspiration would be most helpful! . Sometimes listening to ppl talk about reaching theirs goals with a partner or team is discouraging when you have more obligations then just yourself by yourself.

[@stephienxb]

This conversation was navigated beautifully, but oy, if you can’t share your income and your savings for this, it’s useless. Access to affordable housing is so limited and horrifying expensive just to rent, so trying to enter into this approach seems pretty impossible for low wage earners and single parents. This is not approachable for so many millions of us.

[@omarnoory]

Obviously no one should be forced to give out info like their salaries or savings, but I find it so hard to talk about finance without hard numbers. Love or hate Dave Ramsey, there’s a reason why 90% of his calls start with “what’s your take home pay”

[@saschamayer4050]

Good point.

[@ml2539]

He himself however is not transparent about his financial journey.

[@lijohnyoutube101]

@@ml2539 How so?

[@politicomonsoon]

@@ml2539 we all know how he made his money. No matter how you feel about it, he did it with real estate. He was able to leverage into a radio show host that he was able to leverage into a financial help empire. And I think the overall worth of each of those endeavors are in that order with real estate being the foundation. But the financial empire is what makes them a decamillionaire

[@sarahwbs]

"A lot of what gets coded as frugality or minimalism and is sort of looked at as aspirational in terms of like you know restraint is just what so many Americans have to do to survive." Chelsea accurately describes almost all of TFD's content 😂

[@paolokoch1123]

There's no shortcut to getting rich, but there are smart ways to go about it. I’ve been seeking financial advices for a few years and I’ve acquired over 3M dollars. Start early to create other sources of income so you don't suffer in retirement or old age

[@kaydeneli3661]

I’ve interest and want to try out something. Could you possibly share more ideas on sectors you engage in?

[@paolokoch1123]

@@kaydeneli3661 I engage in different kinds of prolific Investments- launchpad IDOs, NFTees, and multifamily real estates through proper planning and management of a widely known financial consultant, and so far the experience has been the best for my finances

[@paolokoch1123]

Just make quick internet research with his name Donald Nathan Scott where you can easily get in touch and write him.

[@winifredmorris8507]

Insightful comment! I am certain the market will recover as we’ve experienced far worst time and despite hard fall, the crypto market rises tremendously than we’d expected. This isn’t the time to panic or sell due to its fall, but keep investing, buying and keeping. It’s really a waste to sell now and losing so much when you can make much in future when the market recovers. I had better understanding of this system working with Donald Nathan Scott.

[@vessbakalov8958]

@thefinancialdiet - why aren't you reporting this obvious scam? You should be cleansing your comment section and not allow your audience to possibly fall pray to this kind of scam drafting off your good name.

[@purplepoppy07]

Omg Angela! A crossover I didn’t even expect. Something I dislike about the TFD comment section is so much nitpicking at guests who don’t speak to every single nuance in society/privilege that they have. People can only speak from their own experience and give the best advice they can. I think Angela did a great job in breaking down her financial philosophy in a humble and accessible way.

[@ChatOmbre]

Agreed!

[@marquitathatcher6286]

Right. Two people sharing expenses will always make out better than a single person. Basic math.

[@Mabsknows]

100% agree. It’s impossible to meet the standards of the TFD comment section! There is always a need to call people out on their ‘privilege’ almost like an excuse to not have to do the work. Guests can only speak from their experience, that’s it. People in the comment section should really learn to take what suits them and leave the rest. All this ‘calling out’ and privilege this and that, is so annoying.

[@Lau3464l]

So glad she mentioned how kids are expensive, full stop. I’m tired of people acting like there’s no financial repercussions of having a child. Even if you don’t pull out all the stops to spoil the kid, if you’re caring for a child (or any dependent), that’s unpaid labour. A child is an expense- it’s still clothes and food and activities and transit that you’re paying for or figuring out how to acquire for cheap. And cheap still adds up. Your time and energy has inherent value, it’s only one life that you get. And if you still want to be a parent despite all of that, kudos to you, but don’t go into it pretending this stuff isn’t real. Go into it knowing that you are spending time, energy and money on the child, and pretending those expenses are no big deal will only hurt you.

[@chelsea7229]

FIRE doesn’t work if you literally can’t even cover basic expenses though. This conversation honestly feels outdated and out of touch to me. It seems to me that it’s no longer about forgoing luxuries and cutting back on unnecessary expenses. It’s about finding ways to afford basic costs of living. I would LOVE to think about saving and investing, but there’s nothing left after rent, utilities, gas and food. My car is pushing 250,000 miles and I’m putting away a little money for a new (used) one at some point, and that’s the extent of what I have left over. I don’t live a flashy life style, it’s simply that cost of living is too high and not everyone has outside support to rely on in these crazy times.

[@KayRanze]

So, what's interesting to me is that she acknowledges her fortune and spells out that this reality is NOT for everyone. Luck had a bit to do with it.

[@rba4377]

Yes I would love an episode w this theme. Before my partner, I lived on minimum wage in an expensive city for several years. Im proud of what I was able to save but i sacrificed EVERYTHING! When you are SUPER young and maybe doing it for a couple of years thats one thing and it teaches a lot but after that it gets to your mental health BAD! I lived with relatives that made my mental health horrible, i skipped dinner and ate nothing i truly wanted, I never went out, I carried heavy groceries so i wouldnt pay publci transport, never bought anything including clothes i needed etc, i was lucky enough i never got sick during that period.

[@clairbear1234]

Honestly, I have basically no respect for someone promoting a financial movement that won’t share exact dollar amounts. Especially someone who states they have a supposed moderate income. And also bought a house in 2011 and then claims that they’re just not succumbing to lifestyle inflation as the reason they’re not spending more, where is everyone else is dealing with a literal inflation. Of course you can maintain your living expenses when you bought a house in 2011.

[@geneveiveharper]

I sort of want to disagree with some of this sentiment about thrifting and that you shouldn't enjoy it or brag about it because some people have no choice. Some people who theoretically have no choice still enjoy thrifting and would do so even if they had more money. I really don't think those people want your pity. Also, I have seen some people express the sentiment that those who can afford to buy new should not shop at thrift stores because it takes something away from people who supposedly have no other choice. This is a scarcity mindset- and the fact that so many thrift stores have to throw away a large portion of donations received flies in the face of the idea that there is any scarcity. Furthermore, to say that people who can afford it should buy new for moral reasons perpetuates excess waste and consumerism. Therefore I think that bragging about thrifting is a way to bring down fast fashion or consumption of excessively-produced goods, while destigmatizing thriftiness at every level.

[@rinlama5869]

I agree with you on this!

[@ricacondes]

Totally agree! There’s too many clothes imo.

[@veganryori]

Exactly this!! My local charity shop puts clothes on a 50p rack, if they don't sell they go in the bin. There's some really good stuff on there that just needs a little sewing or they're missing a tie-back, so if I can't use it after I fix it I either sell it or pass it on to someone who needs it. There's a similar stigma with getting things for free - some people say you shouldn't sell stuff, but if people pay - even 20p - they tend to value an item more, and they feel good they've found a bargain!

[@anon7057]

The conversation about "who deserves to thrift" to me is completely pointless. There are plenty of people who go to thrift stores and scalp for brands before other people arrive to shop so that they can be resold elsewhere, people who know the schedule of when new merchandise reaches the racks, what days the tags are different prices, etc. But that's the point, it's a storefront not just a charity

[@kathleensavoy1736]

I think what people dislike about folks thrifting for frugality (but not necessity) is that many of them are flipping clothes for profit, when lower-income folks are left to pick through the dated/fast fashion/damaged bin for something nice to wear to work.

[@justinedraus2010]

It would have been nice if she’d at least provided a range of what she considers a “moderate salary” because it just feels reminiscent of people who say they’re “comfortable” when in reality they’re wealthy.

[@redhairdavid]

I'm pretty sure the husband is close to 100k a year, maybe even above. I assume she is in the 50-80k a year. Complete wild a$$ guess though. Based on Canadian norms also.

[@saschamayer4050]

Good point.

[@clairbear1234]

Totally agree, feels very disingenuous

[@csocianu]

in one of the comments on her blog/page she said there are under 100k. Probably because they work less and have days off.

[@redhairdavid]

@@csocianu oh wow, I was way off then.

[@jampsonn1826]

Wow I really liked this convo and angela was a breath of fresh air with her self awareness and acknowledgment of privilege. With everything going on today and all the conflicting opinions on what to do with your money, this felt like a nice, honest conversation that wasn't preachy. Good stuff!

[@LexiLadonna]

So glad they talked about the fact that most of the fire community just encourages people to buy up all the housing stock to flip or to rent out as landlords. I’m so sick of seeing people buying homes just to rent them to the same people that they bid against buying as a strategy for building wealth. It’s exacerbating the problem

[@cm4832]

This is one of my biggest frustrations with the FI movement. It was really refreshing to hear her bring it up! I wish more people thought this way.

[@ang5035]

I feel like there are so many problems with the current system where housing is seen and used as a way to accumulate wealth. Individual responsibilities are an important factor but also this is clearly a policy failure. We need to build more housing and set up a better pension or retirement system so housing isn’t the only thing that creates wealth for the middle class. also stop subsidizing homeownership by tax incentives!! Like her, we were able to buy a house before the market went crazy but it is little dystopian for anyone who is younger than me (I am in my 30s).

[@JK-gi3ew]

My husband and I have a rental in the Silicone Valley area and charge a very fair price. We love our renters and they love us. One of our houses needs a new roof. It's gonna cost over $40K. Do you think a lot of people have that kind of money hanging around? Exactly! This is why some people need to rent. Also why I think we need more people in the FIRE movement buying homes and renting then out. If some big corporation owned our home, I highly doubt they would be charging the low fee we are charging.

[@doggydude4123]

It's much worst than that. They even encourage buying REIT stocks which are companies that buy all kinds of property including single family homes. I'm part of the fire community and there's so many of us are NIMBYs who will do whatever it takes to keep the societal problem of housing from ever being solve since they benefit so much from it. They will always vote against any development or even up zoning.

[@Acid31337]

You lefties just dont know about good old idea of Land Value Tax, that basically converts housing from asset to liability, and thus destroys its economic rent valuation and monetary premium valuation.

[@thisisnancybot]

Love the emphasis on sustainability here. I especially liked how she called out BS greenwashing.

[@thestorygirl2818]

loved this! Thanks Chelsea for introducing this guest today, I feel like it was outside of TFC's usual realm but I think we all loved it! Thanks Angela!

[@theythemmoritz4537]

so be a military spouse and buy a house in 2011. got it got it good advice.....

[@TheQUBANQT]

This was an authentic conversation about a very privileged concept which she acknowledged early into the conversation. She went as far as to say you can save & save & never retire early. It’s important to be upfront about that when talking about FIRE. This concept of FIRE is a niche that people fall into (by luck or deign) BC they’re in some way privileged. She touches on all those privileges dual income, like minded partner, started early, DINK (dual income no kids) have accessibility to equipment (deep freezer) the time finances (to buy bulk) & location (local farms). Having the privilege of owning a bit of land to garden & own 🐓 in. ALL OF THIS IS A PRIVILEGE & I feel she went even further acknowledging said privilege by disclosing her property info & house hacking situation. 🤷🏻‍♀️

[@rachelvasquez7826]

Completely agree. I don't understand all the snark in the comments. She's privileged in many ways. If we're honest, most of us are privileged in some ways and disadvantaged in others.

[@anastasiia2092]

How come "no kids" is a privilege? this is choices and a curse for some people. Same goes for "dual income, like-minded partner" - you choose your partner, aren't you, how is this a privilege?

[@JK-gi3ew]

@@anastasiia2092 100% agree! Mr. Money Mustache once called people out about this. Having children, where the live, who you marry, how much you save...it's a fucking choice, not a privilege.

[@grrrimamonster7894]

@@anastasiia2092 I think the common problem people face is that (especially when you marry young), you often don't go into a marriage having discussed and agreed on your financial values, like risk tolerance and level of saving and spending. At least, that kind of discussion is rarely encouraged in young peoples' ideas of romantic relationships, and its almost considered heartless to consider something like that a dealbreaker. Even though it is obviously an important value to share. And even if you think you're on the same page, often a concept like FIRE comes up at a time when one partner is more disillusioned with work and the "rat race". It's counter to a typical life trajectory, and you may not have even considered it possible to retire early if you don't think you're rich. The math of it isn't obvious until you do it yourself, often after seeing a claim online of someone with roughly your salary achieving FIRE. A lot of couples end up in conflict because one of them is motivated to pursue that level of security and independence that they didn't realize was possible, while the other partner feels coerced into giving up the spending that makes them happy in order to do their part, and one or both of them ends up with resentment. I think the myth that "love is all you need" leaves so many people unhappy when they end up with a partner with clashing values on lifestyle, money, raising kids, etc. If anything, we should look for any practical reason not to before deciding to spend our lives together and/or fully combine our finances. I'd rather manage wealth individually even though I have an intended lifelong partner. Not as "romantic", but can be done out of love for more individual freedom and potentially a much better and less painful outcome for everyone, especially if you don't stay together.

[@Siures]

Yeah, like that she mentioned that a plant based diet is not only more sustainable but also so much cheaper than meat and dairy everyday. I like her take on the movement although I know I won’t be able to save that much. And I like that it is not all about income. Sometimes working less can even save money. I repair clothes, I grow vegetables and I cook a lot and all this saves money - but I would not be able to do it if I worked full time with two little kids. In Germany the social system is quite different. So retirement is much more regulated, to be able to change career or do a year of or something is still something worth to work on. For everyone, even if Early Retirement is not your goal. I understand why she does not share numbers, but often people who are proud of saving 50 % earn more than double what we do. Not a big deal then, although I do not know if it’s the case here. Even without partner: why not work and live together as friends or family?

[@ktsterlin9304]

I love this conversation and I would sell that house so fast and move to a different state 😭 the will power they have to not sell the house is miraculous.

[@Katyob7]

I love how she has really recognised her privileges and the privileges that come with already being well off etc. Great interview xxxx

[@lucilasandoval3084]

FIRE still seems like a tremendously privileged perspective that is deeply disconnected from community. Look I get some people feel this whole thing is rigged and are trying to save themselves, but this feels like such a misguided notion; not only cos it goes into delayed gratification, but also it's so innaccesible to most people, and builds noooothing from a community aspect.

[@marissaparker5153]

I agree that you have to have a certain amount of privilege to even think about FIRE but disagree that it doesn’t build community. It totally depends on how you pursue it. I’ve found amazing community online and in person through FIRE and living below my means allows me to give back to my community and think more critically about my impact

[@emiliabolsas]

@@marissaparker5153 you have cherry-picked your community to be like-minded people with the same goal. And it is very likely a bit of a competition. The point being made here is that FIRE is isolationist and exclusive by design.

[@shoshanakirya-ziraba8216]

@@marissaparker5153 I agree that a few good FIRE community members would be able to address certain issues in a better way. Volunteers, protesting, community organizing etc.

[@MiniNymph]

I work part time and even though I am worried about money, I am glad I have free time. I'm trying to practice going to the library each time I pick up my pills and take a month reading a Jane Austen novel - I feel all fancy and grown up and sopphisticated! Since perscriptions are free in my country, it's something that doesn't cost money, just energy, which is worth noting as a disabled person. I hope when I get my own place, there is a library near enough a pharmacy to do this still

[@caitlinnk6]

I understand her perspectives and she makes great points but being from a family very frugal, even miser to a point, who saved all their life to enjoy life when they retire, I can tell it's not always the best choice. Both of my aunts died in their forties of unexpected events (and didn't had the opportunity to retire), my mom lived in poverty by saving all her life to buy the appartement she wanted without mortagage and died 2 years later. My grand-parents saved a lot of money to pay for senior home that they never went to. So in FIRE, how do you plan the time of your death? It's different budgeting if you live to 60, 80, 100... you don't have the same financial needs. I choice to enjoy my life to its fullest now. Even if I save some money, some of my budget goes to my enjoyment, trying to be as ethical and environment friendly as possible.

[@acivilright]

I agree... this is why FIRE isn't for me. I want to be able to enjoy the present and the future. It means I'll be working longer, but that's just what it's going to have to be!

[@LexiLadonna]

Totally agree. I did FIRE for a year to pay off my student loans (I was lucky and only had 30k) but after that I went back to normal. I am saving for retirement, but a more typical retirement age of late 50s. You never know when you’re going to die and I don’t want to die never having lived my life or enjoyed the present. I think it’s a balance. Every video I watch about someone doing FIRE seems like the life they’re living is kind of bland and depressing, even after they “retire”. A year was enough for me, I made it into a game so it was fun at first but after about six months it just got depressing. But it’s not even really retirement, almost all the FIRE people I’ve seen on KZbin actually own rental properties so they’re not retired. They’re actively managing rental properties doing repairs on them. It may be less work or self-driven work, but it still work. They’re landlords

[@csocianu]

That's why I admire her honesty and opening: she is frugal by choice. And it is ok to be different, each one has his own reasons (she mentioned environmental reasons not only financial reasons).

[@rba4377]

i do think that in certain situations is possible to do that. Its like putting money on your 401k/superfund and still having a comfy fun life until you get that money. My partner and I are naturally frugal and are not interested in material things/travel we just like being cosy at home, cook yummy food/buyready meals when lazyand go to nature close by, if we were to use some money right would be just to buy a few things for the whole like better vaccum and couch but that would do and we are not high earners.. meanwhile i have a wealthy relative sacrificing everything even food and i can tell how miserable they are. Its pretty individual.

[@caitlinnk6]

@@rba4377 You're right, we need to live the life that makes us happy and that corresponds to us ☺️ I don't encourage big spending but allowing us to spend in what gives us pleasure is the big thing that I want to change from my family habits. I noticed they didn't allowed themselves any pleasure in the name of frugality (and felt guilty when they did) and were miserable.

[@WatermelonSugar1209]

This was super useful. I also paid off my loans asap and didn’t start investing for a few more years. It was just cash in my account for a couple of years.

[@AE-nf8nz]

havent bought clothes in 5 years and only eats rice and beans is a little 😭😭😭 like we are only on this earth for 80 years or less like where is the living part of this youre living for a future that isnt even guaranteed

[@WatermelonSugar1209]

But not everyone gets happiness from buying new clothes.

[@teenindustry]

Agree with the sentiment we live our life now

[@klt9874]

Thank you for telling the truth about housing. The prices are so unreasonable and do not match with the real value of the home. It is so crazy.

[@codymorrell4834]

The whole stay at home parent being the most expensive childcare is coming from a place of privilege. We have 3 children and I had to stay home for them and now that the youngest is full day school next year we are going back and forth about working full-time. My husband's job is really demanding, he cannot take off work for kid issues so that all falls on me. Maybe if covid restrictions settle but between all 3 kids last year due to close contact I was home with the kids with me a total of 13 weeks. I could not do that with a full-time job. I do work part-time (mostly online) so I am still in my field but we as a family don't have the luxury of both parents working full-time right now. God forbid if we have another shut down, our school was shut down a year and half and if I had been working full-time I would have lost my job (husband is an essential worker).

[@DiscussToUnderstand]

I'll never have kids, but I remember when I had a staff member under me who had kids. Every-time we had to send people home early because the business was slow, she would always beg and plead to not be sent home. If she worked under 5 hours in a shift, it would cost her more than just staying at home because of child-care and transportation costs. And because of her kids/her partner's job her availability wasn't what the business wanted, so she could only be part-time. And because she was only part-time, some of the shifts she was given would be 4 hours long. But she needed to still take those 4 hours shifts that would actually make her lose money, because without them she wouldn't get the 8 hour shifts. I think best-case scenario she would work like 30 hours a week, and after childcare/transportation, she would only have 4 or five hours of wage left. Some weeks she's get 3 shifts that lost her money, and one shift that made enough to just cover the losses.

[@Kealasadiva42]

I worked at a daycare a few months ago. We charged 225 a week per kid. Kids are expensive

[@Lolzadoodle8484]

The housing market is terrifying. My family can't afford to live in the town I grew up in. I can't afford to live on my own as a young professional in New England, so I'm stuck at home in my twenties, when I want to be out in the city interacting with others my own age.

[@AnitaB79]

No one can afford anything in their 20s

[@csocianu]

shared home in my twenties - the only chance to live close to job in this big city to save something. Then I afforded a studio with 30 years mortgage. In their 20s is difficult for all, so please breath and learn to raise your income, you are in a good place.

[@rba4377]

@@AnitaB79 once upon a time it was possible, and thats the point.

[@Masterbackpaynebetty]

No one has money to live in a city when they first start. I lived with 6 people for 4 years. It was grimy but also fun. It also teaches you how to be self sufficient and go with the flow since you don’t control the entire space.

[@Lolzadoodle8484]

@@rba4377 yes, once upon a time you could support your family on minimum wage. Having to live scraping by is not exciting and shouldn't be a right of passage - food and housing are human rights. I don't feel safe going home to my older parents in a country that has decided to ignore the v*rus with everyone not following safe protocol and relatively low vax rates. Living grimy isn't for everyone, especially when I'm risking getting my parents seriously ill.

[@kamimie]

This is probably the episode I wanted the most without knowing that I did! I’ve never been able to feel comfortable with the traditional FIRE movement because most people there embody a lot of what I don’t like in society. But I listen in because I love the idea of being secure enough financially that I can make decisions about my life and not be held back by money. I didn’t know this little segment of the fire movement existed but I will definitely be checking it out!

[@WomensPF]

I’m so glad you enjoyed it! Please come join us over on Facebook - it’s the non dudebro place to be ♥️ www.Facebook.com/groups/womenspersonalfinance

[@thefinancialdiet]

We're so glad to hear it, Kamille!

[@CaraMarie13]

Her audio is very low. Also, I am not following the negative reactions to this interview. I get that many of you are in a position where you can't relate to the guest but that doesn't mean that what she is saying isn't worth exploring or discussing. I personally like that she didn't provide any numbers because that number is very specific to you. So if you can save money every month, calculate your own number. For those who can't afford to save right now, that sucks and hopefully you will get to a point in your life where you can better off financially. But either way, just because her situation doesn't apply to you doesn't mean she can't speak to her own experience. Like we can't shut down everyone whose life experience doesn't match our own. Lastly, thank you for pointing out that a primary residence should not be view as an investment. Your home is the roof over your head and just because you have the capacity to build wealth with a home, doesn't mean that it's a good idea to think of your house as your safety net for the future. If you get a mortgage that you can easily afford, view it as a hedge against rental increases. Be secure in the fact that you know you your housing expense will be mostly fixed.

[@CH-vm6cq]

She's not spending her money on bandwidth

[@turtlescanfly7]

Thank you! This is exactly how I felt. Like if you’re struggling a lot and not in a place to save extra or invest then ok this video isn’t helpful for you. But not all financial content needs to be directed at low income or impoverished individuals. This video happens to be content for those who are middle income to higher earners. And for those of us who went from low income to comfortable we need advice about what to with our money now that we can afford to save. I really empathize with those who cannot cover necessities. I come from generational poverty. And now that I have a modest income for my area (65k/year) I need to seek out education like TFD on how to use that wisely because no one in my real life knows what to do either. Not all content is for everyone and that’s ok, just scroll by if it’s not for you

[@Erin-rg3dw]

👏👏Agreed. So many reactions here (and elsewhere) are very much "this doesn't apply to me so it's bad." Just because you can't exactly apply something doesn't mean it can't help someone else, or that you can't do a modified version of it. Numbers can be important, but as soon as she says a number, someone is going to bash her, and finances are still a pretty personal subject. And same with the housing - I know quite a few people who owed more on their homes that the home was worth because they bought it at an inflated price and the market tanked afterward. A home is only worth what people will pay for it, so if the market is down or the home is a wreck, the value goes down.

[@ChatOmbre]

I’m so excited to see someone from Women’s Personal Finance on your channel! That group has been extremely helpful to me learning and having a community in recent years.

[@usucktoo]

Honestly the people complaining about this video should just sod off. Just stop watching and leave. There are literally a ton of other videos and interviews in TFD catered for your taste. And Im speaking as a single person from a developing country who probably makes a lot less than most viewers here. Some of us still want the perspective and insights in this video, without the added snark.

[@ethxo6734]

Ive always had a positive light on the FIRE movement but I think that might have been because of the content creators I followed, specifically the Channel Our Rich Journey. Not sure who you followed that gave you such a negative taste about the movement, but glad your taking another look.

[@rba4377]

yes! Since my partner and I have started our own version of it it has made both of our lives simpler easier and happier. Might not be for everyone like anything in life.

[@turtlescanfly7]

I live Our Rich Journey! I started following them about a year before they retired; they are super inspirational

[@meridoughten9425]

I loved this discussion!! Love the perspective of environmental sustainability + frugality! I feel like this is about as accessible as FIRE can be ultimately lol. I'm really glad Angela touched on many of her family's privledges as well as personal decisions to live more frugally (military service that paid for college, credit cards to offset travel costs, only having 1 child, not buying clothing etc). It honestly felt like a very accurate representation of someone involved in FIRE: someone with substantial privilege who ALSO makes conscious sacrifices for their financial goals. 👏👏👏

[@blancaaaestela]

This perspective is very interesting and the interview was informative, but I’d love to see someone in the FIRE movement who wasn’t able to buy an affordable home ten years ago. I’m also saving forty percent of my income plus, but will probably always have to consider rent in my living expenses bc I don’t know that I’ll ever own property (I also live in the Seattle area, and have dual income no kid hh).

[@andspenrob]

Fellow Seattlite here - the housing market's in a truly bad place now that interest rates are rising... I will just say that making housing work (for me) required buying a place that needed work and had the potential to house-hack (e.g. rent a basement unit) to keep things financially reasonable. That means more money saved up front before you get in, and buying in so-called less-desirable neighborhoods (don't get me wrong - I love mine - but it's in the south end). Being handy and able to do some or all of the needed renovations yourself makes a huge difference as well... I still think Rainier Beach/Skyway and White Center are the best bet for in-town. Best of luck to you and your partner!

[@blancaaaestela]

@@andspenrob hi neighbor! Thanks for the insight. I’m happy to hear you were able to buy a home. We currently live in the city and can manage without a vehicle, so there is the trade off of saving money in that way. If we ever move further south we will need to buy a car, but we are open to it. I’d even be open to buying a condo but the HOA fees scare me.

[@andspenrob]

@@blancaaaestela Kudos to you for making it work without a car! I'm a big fan of the light rail now that it goes all the way N/S (I live near Othello), but I confess I also drive, so take everything I say with a grain of salt. 😬 Wise to be wary of HOAs - they vary building-to-building. Some are well-funded/well-run, others are bleeding funds dry while putting off necessary maintenance that's going to result in assessments down the road. It's an important part of vetting a place to make sure that their funding situation is well-sorted. Recommend a 1st-time homebuyer class and a good agent who has the hookups for down payment assistance, etc. to know what's possible. I know a very good one who I've worked with for years if you want to learn more - I'll leave contact info in my "about" page for a few days if you're interested.

[@teenindustry]

It seems so extreme. Living off next to nothing also limits access to health food which in the long term costs so much more in healthcare. Being super frugal also can be really socially limiting. A part of the reason why people experiencing long term poverty have such terrible mental health is because there are few opportunities for joy. It also seems unrealistic in this day and age to assume your kid will be out of the house at 18. Cost of rent and college is keeping a lot of even functional hard working kids at home till their 20s

[@ameliamarosek7353]

I absolutely love the Women's Personal Finance group, and am so glad to see this cross over since TFD was my first intro to personal finance broadly! Lots of shared values in these communities, great discussion :)

[@jacquelynnmartin]

I think you're going to get a lot of snark from having this guest on your show. She's got a great story but she's also had several advantages that most of us haven't. And I never understood to the purpose of saving to retire early and having such a bland life (imo) while doing so. What's the point of saving the money to retire, just continue that life without flavor or color. That's what I got from this discussion.

[@herefortheplants9543]

Yes! Nothing guarantees you’ll live long enough to retire. I had a couple of cousins in their early 30s pass away due to fate (Cousin 1: Not at fault car accident. Cousin 2: Incurable illness [not covid]). I would much rather enjoy life now and retire at a normal age than gamble on living long enough to retire early.

[@cscreative5460]

Exactly. Saving but can’t have but once child, never travel, never enjoy shit? HARD PASS

[@jacquelynnmartin]

@@herefortheplants9543 I'm so sorry about your cousins. You're so right. There is no guarantee in anything. I tried living on a limited budget and denied myself a lot of simple things. These past two years, I have literally lost almost everything and having to start over financially, emotionally, psychologically and I know now, for me, I will never deny myself the little things. I have started my, 'I want to go to New Zealand' fund. I can always save for my future but I want more from my life so I can give more of myself to others.

[@KayRanze]

I think the guest also shows that FIRE isn't for everyone and she acknowledges how fortunate she is whereas some people who FIRE pretend like luck had nothing to do with it.

[@rba4377]

I get what you are saying but it does work for some people as you might consider boring is a good life to other like me. Its like putting money on your 401k/superfund and still having a comfy fun life until you get that money. My partner and I are naturally frugal and are not interested in material things/travel we just like being cosy at home, cook yummy food/buyready meals when lazyand go to nature close by, if we were to use some money right would be just to buy a few things for the whole like better vaccum and couch but that would do and we are not high earners.. meanwhile i have a wealthy relative sacrificing everything even food and i can tell how miserable they are. Its pretty individual.

[@redhairdavid]

So the secret to financial freedom is win the housing lottery :p got it. Also, whatabout single people. It's always couples with these financial tips things. What about 1 person. I couldnt even get a mortgage with a 25% down payment in cash, without my parents putting their home up anyway.

[@shreehill9641]

What about folks just now looking for homes

[@redhairdavid]

@@shreehill9641 in the video that did basically say it's not always a good bet, but if you can manage it somehow, it is possible and more likely than not to pay off, but don't put to many eggs in that basket

[@sidnope5524]

Yeah, as a single person without kids and with no interest in a partner or kids, this felt a little bland

[@DiscussToUnderstand]

@@sidnope5524 As a married person, who will never have kids, this felt a little like "less avocado-toast, already have a solid income, and be lucky" advice.

[@herefortheplants9543]

Roommates! When I was a single person with no kids, I saved so much money by splitting rent with roommates, I was able to pay off most of my car and student loans. Yes, it sucked to live with randos in terms of privacy but I made sure I did my research and never had legal or financial issues with any of rommates. I highly recommend anyone who is single and wants to save money to live with roommates for a few years until you are able to afford to live without them.

[@ArielLVT]

Just a reminder that software engineering is not an "elite" profession. It's one of the only 6 figure salaried positions one can hope to achieve with 0 degrees. You can become a software engineer by taking free online courses offered by your local library. I still don't get why folks say "tech worker" or "software engineer" as though it's this unattainable, highly privileged career that the average schmuck could not hope to achieve. It's just not true.

[@herefortheplants9543]

Same! I’m not an engineer and neither is my SO but we are “tech workers” that are in between entry level customer service and engineers. There are a lot of “tech” jobs out there! Unfortunately, colleges do a terrible job of letting you know what kinds of jobs are available. My SO and I both started on the entry level and worked our way up. I would suggest anyone that wants to be in tech but doesn’t have the money, time, or doesn’t want to be an engineer to look into entry level positions to get your foot in the door and see what is available that interests you.

[@morphinpink]

Where do you live? in most countries you need to have engineering degrees to access those jobs so yeah, it is an inaccessible and high privilege work.

[@ArielLVT]

​@@morphinpink I live in Canada, and most Canadian/US tech jobs (including Apple, Google, Netflix, Shopify etc.) do not require degrees. My manager, the manager of our entire department does not have a degree. I can't speak to tech companies in other countries, but I do know that when Canadian/US tech companies post remote job openings, a degree is not a deal breaker. So if you have a basic grasp of English, you can apply for a remote position with a company that does not require a degree if you cannot find one locally.

[@morphinpink]

@@ArielLVT In latam degrees are always mandatory and exclusionary (and hard to get because most universities don't offer tech / engineering degrees). Not surprised they make things harder for us but still rip. Maybe I'll look into remote positions from overseas companies, thanks.

[@rba4377]

yes and no. My partner made the transition to tech but required sacrifice and lucky we were in a position where he was able to do this when many cant. + in Many countries a degree is required and even if its not they will choose someone with a degree first.

[@msmaluu]

Why not put ur income, or at least a range of income out there? What is a “moderate income”? Is it $18/ an hour (double the minimum?) is it $150k? That’s med range for a professional world in a big city? Double that? Nobody is asking for the exact number but at least a range would be helpful

[@skimmylk]

Minimum in Seattle and most of the surrounding counties is $17.27 per hour

[@affordableliving2756]

Less than 100k.

[@arthoeinc.3469]

Yeah I don't understand why she brushed off at least giving a range. Like tons of people who work in the public sector have their salaries publicly available for anyone to look up, and they do just fine. If you're going to be a personal finance influencer I think it's a given that you actually have to be relatively specific about your income (more specific than "moderate income.")

[@Ecesu]

What a wonderful guest this was ❤🙌

[@elaineburruss7133]

What credit cards does she use to get all those points for travel!!

[@debbiek7193]

She must open several to get the bonus points then zeros out the balances as soon as possible. It is very risky & can affect your credit score. Her husband does the same.

[@AyH25]

I know, tell us the details! Which card pays for Airbnb? I already have a card that pays for flights (chase sapphire)

[@slena]

there's a video on the channel that goes wayyyy more into depth about travel hacking. it's called "how to travel hack at any budget"

[@turtlescanfly7]

@@AyH25 Any card that gives general cash back can be used for air b&b. Geobreeze Travel does a lot of content on credit card hacking for traveling. She’s on instragram but idk if she has KZbin

[@ColinAdventures]

Oh hey! I went to junior high and high school with Angela! Nice job on here!

[@kaiwryn]

I really identify with the discussion around being frugal in part to live a lower impact life-style. I really believe that so many people allow marketing and consumer culture to convince them they want things they don't need and wouldn't have wanted if they hadn't been aggressively told they did, and it's absolutely killing our planet trying to keep up with these manufactured demands. That's not to say I never indulge, but there are ways to "go shopping" without actually encouraging more crap that's only going to end up in the dump. A lot of the random stuff I get comes out of my neighborhood Buy Nothing group. On top of getting to enjoy the random joy of trying out, say an ice-cream maker, or learn to make lots pickles from a surprise abundance of cucumbers, it's been such a pleasure getting to really know my neighbors over the last year in an area where that is not the norm. It's not just a place to swap items for us, it's a community-we do monthly gatherings and have built friendships with likeminded people who want to keep their impact low, share their personal abundance, volunteer and more.

[@secondengineer9814]

I originally come from the FIRE community. It's too bad that FIRE got a bad rap here for a while. It seems like generally good advice. Sure, the sensational media write ups about a 30 year old tech bro who retired after earning $200k for 10 years is strange, but in general, frugality is really a virtue...

[@camillacaloi4122]

Love the content but I'd lie if I say I am not here taking notes on Chelsea's beverage rotation

[@Mabsknows]

Guest: I made these particular choices about MY LIFE and got these results. TFD comment section: You have privilege 1, privilege 2, privilege3, all of the privilege. Chelsea, I am afraid the concentration on other people’s privileges has given your audience a “way out” of even trying … this will make learning valuable lessons from guests hard. No one is going to agree with every guest but I know I learn a lot even from people I disagree with.

[@Erin-rg3dw]

Agreed. Just because someone's situation isn't just like yours doesn't mean you can't still learn something from them.

[@sofa2875]

Wow she had a really interesting perspective. It’s giving heavy earth energy

[@pensacola321]

I like the idea of a modified "FIRE". Save aggressively, but plan to get out of the rat race around 55. You can retire early without living like a monk for many years. But " retiring" in your 30s or 40s presents too many obstacles, and in most cases will prove to be unsatisfying or unsuccessful.

[@WomensPF]

CoastFI is also a great option. Save enough in your retirement accounts to no longer need to save for retirement, and then you have the flexibility to only cover your living expenses and flex up or down depending on how you’re designing your life. -Regina

[@bellanoche6116]

I’m with you, be 95% funded for retirement at age 50. We enjoy life but watch our spending.

[@csocianu]

we are many like you: keep spending under control and enjoy the life in our style

[@InternerVodkaAunt]

I think the most expensive way to raise a kid is as a single parent without care from the other parent. It means you are struggling for time and money. I did my numbers and I have to earn 40% more than my single friends without kids, and about about 20% more than a couple with kids. This is in Australia, where healthcare is free.

[@sophiewalsh5492]

I disagree with what she said about saving for your kid’s college fund (based on my personal situation which is affected by where I live). In my province, you cannot get a student loan if your parents make over a certain amount of money because in my province, the expectation for parents is to pay for school unless they can’t or at least help pay for school unless they can’t. Student loans are only available to pickup what is viewed as the slack of the parents. If you have parents who technically have enough money to contribute to your college but they are choosing not to, you cannot get a loan. You have to prove to the provincial government that you are literally 100% cut off from your family, financially and emotionally, in order to get a loan in that situation. College and university is also just extremely expensive to the point where even if you have a job all through high school and are extremely frugal with your non essential purchases, you still will not have enough money for college. Also, jobs are not guaranteed out of college, but in my province, you literally have to start paying back your student loans AS SOON as you graduate. I am in school and I work and I’ve had to take on some really degrading tasks in order to try to support myself, and I have one hell of a work ethic and drive, and it STILL is not enough for me to be able to imagine financial independence some day. My parents have contributed to my college fund a bit which I’m grateful for, but they aren’t high income earners so the government does give me loans, but loans stress me the fuck out. Also, they don’t do grants anymore since a special someone was elected back in 2018. I won’t name names but anywayssssss fuck that guy. I’m extremely frugal and I’ve been extremely frugal since I was a kid since I was able to notice my parents anxiety around money and I just picked it up quite young. I’m living at home because I can’t afford to live out in the location I’m from. My school is in a whole other city that I can’t afford to rent in, so I take the bus for 4 hours a day that I could’ve been working or studying just to get to and from school. I never go out unless it’s free. Half my wardrobe belonged to my grandma before she died and a quarter of my clothes are things I got in middle school that I am still wearing. I do not make irresponsible purchases, and I am still busting my ass to be in school. I think about dropping out of school EVERYDAY BECAUSE ITS SO EXPENSIVE. But I love my program and would love it more if I could just focus on studying and making friends and not working. I’m not allowed to drop out of school either since my mom wants me to get a degree since that’s the bare minimum these days to get any shitty job, and she is letting me live at home so I can’t exactly just go against her right now.

[@csocianu]

Awesome guest, loved her story as is quite similar to my path and just I save a plenty ideas from Angela to help me: simpler life, live under my income, buy local and think twice before buy, cloths didn't buy for years (already started, as covid kept me at home and friends donated me a lot - they gain covid weight and me not, not yet ), to be grateful for all the context, keep mind opened in order to act differently than the others )

[@ronifurr]

I would really love to see Nicole Victoria of No Budget Babe on this podcast!

[@xoxoizzie365]

I simply will not have children if I cannot save for their college. I really feel like that's dooming them in this economy

[@Jack-fw4mw]

Academic scholarships are still a thing, as well as community college for the first two years.

[@MichiruEll]

Send them to college in Europe. Much, much cheaper.

[@nathanpen]

The problem with waiting for “systemic change” is you will wait FOREVER. You better hustle and take care of yourself.

[@lv9265]

I'd rather both hustle and take care of myself AND organize with others and enact systemic change. I think that's the best option.

[@semilorekaji-hausa2078]

It's not about waiting for systemic change, it's about fighting for it

[@nathanpen]

@@semilorekaji-hausa2078 have fun with that.

[@kathrynsamuelson1983]

It's really crazy here in VT between the pandemic and climate migrants on top of not enough housing to begin with. People are buying property sight unseen. I want to sell my 2 story condo sometime for a 1 story one. But not happening in the near future. I could easily sell, even as is. The problem is finding somewhere to move to, let alone find something I can afford.

[@MichiruEll]

I love the comment about taking care of your retirement before your kid's college fund

[@rba4377]

I feel like the topic of children is always brushed by in a hurry or seen as a downer. At this channel we often talk about the financial and non financial value of things, it would be cool to remember that there is MASSIVE value for parents, kids and society having some stay at home parents in certain situations.

[@loradow5543]

Really, really loved this conversation. Thanks!

[@AzulFyre]

So happy to see Angela on here. Excellent interview!

[@stevenponte6655]

my issue with FIRE is how few people are actually doing it. Even the tech bros (unless they have sold a multimillion dollar company).

[@abbyabroad]

Mine is the partner thing that Chelsea mentions. I have literally never met a woman who achieved it without an SO. A Purple Life, Paula Pant of Afford Anything, and most or all the men... doesn’t mean it’s impossible, but it’s a HUGE advantage never mentioned (APL shares her own expenses, but the world is far harsher when you’re renting your own place and can’t split the rent with someone else, whether or not you share a bedroom! It doesn’t matter if she’s paying $800 as half of a $1600 place when single bedrooms go for $1200 in the area!)

[@JK-gi3ew]

@@abbyabroad having a significant other is a huge bonus, especially for women! When I met my frugal husband, we combined forces and have achieved a lot more. I'm glad I ignored all those feminist women telling me I don't need no man. I don't need my husband to survive but I do need him to thrive and raise my child in a nurturing environment. Nothing wrong admitting this.

[@cscreative5460]

I didn’t enjoy this interview. Chelsea you executed the interview beautifully and asked a lot of good questions. However, I don’t like this persons vibe. I don’t desire to watch someone “vaugebook” about their finances but want to be in the space as an influential person. However there are also clear advantages to their situation. When it comes to finances it’s a fine line in advising someone without divulging much yourself. It’s a pass for me!

[@Rsmume]

I would really love to hear what Angela is saying but without a microphone for her it’s really difficult to hear anything that she’s saying

[@SmarandaC]

Does FIRE imply that you also live frugally after you retire?

[@allisongryski8452]

Another emergency fund strategy for a home owner is rather than having a cash "emergency fund", you can have a home equity line of credit for emergencies. Should you need to use it, it's available immediately, and then you can sell some investments to pay it off and if no emergency arises, your money stays fully invested.

[@shllvi3203]

what happens tho when you have an emergency during a market downturn, like now? sell at a loss?

[@stacyjaye6350]

Not always true, the banks are cutting back on lines of credit as we speak. Cash is about to be king.

[@BlackQueenA1825]

I wouldn't personally rely on a home equity line of credit but something that has worked for me (which I got before I bought a home) is having an access line of credit with my credit union. It doesn't cost me anything to have it but I can pull money from it and pay it back whenever I need and the interest rate isn't that bad (compared to other forms of credit). However, that came with having a good credit score, which some people aren't able to have. But I still wouldn't suggest forgoing emergency cash savings if possible.

[@mickylord21]

Great video

[@lovinglifewithless510]

Melissa Price "I would not reduce your retirement savings. You have fewer years to save than she does at this point, and the best gift you can give your kids is not having to worry about your well-being as you age. Pay for what you can and let her take out loans for the rest. You can help her pay off those loans after if you have the means." Angela seems to have paraphrased my comment on a recent post on WPF. Great minds.. Side note, Chelsea, if you want to chat about buying a home on a single low income, I'm available ;)

[@Chelletryingtosmile]

I have no desire to completely retire as a nurse (in part to get our mortgage paid off - we live in SW London which is expensive, but transport, schools and green space are fab). I will always continue to do some paid work/learning/projects/advocacy/hobbies.

[@tacrewgirl]

Lots of great info Thanks

[@chelseashurmantine8153]

I so so so wish you'd talked more about the zero waste stuff and much less about the investing lol. Unless she suggested environmentally friendly stocks etc

[@portalomus]

I'm sorry, but if you're going to talk finance you need to talk numbers. I would want to see a breakdown of income and expenses, otherwise a lot of this talk is useless. Also, as I get really sick of the lack of representation for single people or people who are not white middle-class. Can we get some diversity on this channel please!

[@Tantejuju65]

What is Fire?

[@thefinancialdiet]

Financial Independence / Retire Early

[@RICtalks]

Thank you for bringing up the "millennial growing up" thing. it's like the participation trophy convo, like... it was not like that for me... like at all... maybe to the rich kids, but for the average millennial kid, there weren't a lot of participation trophies .-.

[@architecturaldream1]

This was another one of those discussions where I was like “I’m not sure I want to know about this but I need something to listen to” and ended up totally enjoying it and getting value from it. Cheers 👍🏻

[@njdinostar]

Awesome guest, with amazing answers :)

[@njdinostar]

Well, my partner and I are thinking about/low-key starting with FIRE, but we don't identify with the unethical hoarding of properties and our main focus is on sustainability, so I found it really nice to hear from someone who already started, but also still enjoying life, but not in a hedonistic way. Politics, ethics and personal finance are always intertwined, and I believe Chelsea emphasizes this as often as possible too, but sometimes the guests on the podcast seem to just be promoting their new course/book/event. I do like the more controversial discussions Chelsea has with guests too, but sometimes it is just in interview with polite nodding. This was more a manifesto (just like the NFT one), and I like that. Maybe ask Rutger Bregman about his personal finances, or Alex O'Connor?

[@umnb4774]

Reading about people grabbing multi-figures monthly as incomes in investments even in this crazy days in the market, any pointers on how to make substantial progress in earning? would be appreciated.

[@nansmamb4081]

You've got to have an Idea on what you wanna invest in carefully before going in.

[@evropalex3125]

I make huge profits on my investment since I started trading with Mrs Shila Morgs, her trading strategies are top notch coupled with the little commission she charges on her trade.

[@luciacoeto3222]

You make it sound so bogus to accept that as a passive annual income, when clearly possible. I've made thousands since January so far without any prank plans. She's a masterpiece!

[@luciacoeto3222]

Reach her thru her telegram page

[@luciacoeto3222]

The name is Shilamorgs

[@PsychotherapywithNichola]

Why is Chelsea so snarky and snarly in this episode? She comes across so badly given all FIRE people are simply just trying to save their way out of a rat race. Not good guys.

[@TransMascNurse]

In the nicest way possible Chelsea you are much better at picking guests and themes than asking them questions

[@spirit__fox]

A lot of those "empty" plains were full of mail in the cargo hold.

[@DBest-pk2tr]

Chelsea I love your skirt.

[@garciamiller5823]

My Greatest Happiness is the $28,000 biweekly profit I get consistently.

[@Victoriaokereafor]

How! I would really appreciate if you show me how to go bout it.

[@bimbobakeries3190]

Wow☺️ I know her and I have also been trading with her, she’s such an amazing woman with good skills keeps me happy all week knowing I earn 15thousand extra income trading with her..

[@brittanyraquel6565]

I started with just 4thousand now earning up to 15thousand WEEKLY

[@ojoyce.6382]

same here, I earn $13,000 a week. God bless ,Charlotte junko Walsh she has been a blessing to my family.

[@Victoriaokereafor]

@Lucas Thomas I will leave her number below this comment.⤵️⤵️

[@randpaul1809]

This season has been really great, I've been making massive profits on my crypto investment, all thanks to Expert Frederick.

[@randpaul1809]

@Lynn Carson Yes I know him, he's really good at whatever he does

[@franklavoy4775]

My previous trade with him gave me a total profit of €42,000 so am definitely going for a new trade this week

[@munkvlog245]

I've never heard or seen any of Mr Frederick clients complain of lost....I think he's just too perfect.

[@senatorrandpaul4807]

Wonderful! It's great to see others who also benefits from the service of Mr Frederick, I'm currently on my 6th trade with him and it has been a nice experience.

[@santiagojonathan7620]

I'm definitely going for a long term trade this season

[@julianarodriguex899]

I don't like it at all

[@Neanderthal_yardy]

Such a potty mouth😂😂😂😂😂👍🏿🤦🏽‍♂️🇯🇲🇯🇲🇯🇲

[@Soniaganhi]

Mrs Charlotte's is legit and her method works like magic I keep on earning every single week with her new strategy

[@Olivia-zy1lq]

I'll be leaving her number below 👇this comment

[@Olivia-zy1lq]

课程十𝟭𝟮𝟭𝟯𝟰𝟵𝟳𝟮𝟵𝟲𝟱中

[@Olivia-zy1lq]

课程十𝟭𝟮𝟭𝟯𝟰𝟵𝟳𝟮𝟵𝟲𝟱中

[@Olivia-zy1lq]

She is available on What'sApk

[@Olivia-zy1lq]

Tell her I referred you 👆

[@saschamayer4050]

Ok

[@saschamayer4050]

01:01:40

[@trent9872]

1:00 "It was a lot of men who were working as software engineers living in low-cost of living areas with out-of-frame wives who took on all of the domestic labor it seemed without ever really being acknowledged or thought of as contributing to the household in any meaningful way. It was a sphere for bros." Honestly, this sounds like "it's white guys that earn high salaries and this makes me angry, so I'll disparage them by calling them "bros", assume their wives do all the domestic labor, and hating the FIRE movement".

[@AE-nf8nz]

well its true tho lol thats who started this thing just offload extract and exploit

[@geneveiveharper]

First!

[@Oneofakind123]

Funny how people with this intellectual comment *always* fail.

[@Rosetteismyname]

Ha 😂😸 ha 😆😂 lol 😆

[@TrappedQue]

She needs to spend some money on her greasy hair.

[@rosendoescutia9970]

lol 😂 did you really have to put her pronouns 😩

[@rosendoescutia9970]

She had good content.Enjoyed it. I was only listening because I was working so I couldn’t see the video. But I just find it funny the need to put it there. I mean why though?😂 really why ?

[@rosendoescutia9970]

@@carolinespurr1007 I’ll agree if it makes you feel comfortable then why not. I just feels weird since it’s such a recent thing some people choose to do