Adulting for the first time be like

[@ceststeen]

I’m about to go adult next year and to be honest Zach, you’re not helping me stress less about it.

[@marcusaurelius8030]

remember: no amount of anxiety has any effect on what is inevitably going to happen

[@CosmosPoet]

wanna know a secret kid? No one knows what the f*** we're doing. No one. Not a one. Relax. Nothing matters.

[@RahzZalinto]

They guy on the other end of the line is adulting too. Dont fret it lol

[@rex5611]

ehhhh. its not actually all that bad. a little confusing at first.

[@GT-wj3gl]

I'm in my mid twenties and it's been a trip. I've just done e erything one step at a time

[@tommyfanzfloppydisk]

" are you the head of the household " *_"NO I'M KING OF THE JUNGLE"_*

[@kairo9084]

Times used to be easier when this Titel meant something...i miss Tarzan

[@dylanflores97]

That got me to burst out in laughter

[@rhealisa9268]

I lost it lmaoooo

[@Randomwhite_guy]

~~In the jungle the mighty jungle the lion sleeps toniiiiiiiiiight~~

[@GuiDuckz]

Thanks for telling me exactly what the video said.

[@Jouzou87]

An actual conversation between me and my building manager: "Yes, hello. So, there's rainwater seeping through my window." "So?" "...The window is supposed to keep the rain outside, right?"

[@Anonymous-df8it]

Did you get your window fixed?

[@evmarekaj]

Had the same conversation but about my floor and my ac

[@julesparker461]

Was the window closed? I only (jokingly) ask because back when I worked at a call center someone complained they couldn't access our website, turns out their computer wasn't on and THAT was the issue

[@appleman29]

@@julesparker461 lmao. bet they were elderly

[@Faeborn]

My ceiling was caving in and it took my landlord a year to fix it. He waited to see if I was gonna move out so he could hide it again. (Did a patchwork job when previous tenants moved out so you couldn't tell didn't want to buy a new roof)

[@TheJestBee]

Lmao, when you were a kid you wished you were an adult, but then you hit adulthood you realize just how stupid you were as a kid to wish that misery upon yourself.

[@haydenmilam8252]

We didn't realize how much bullshit came with it, all we thought was we have freedom and can buy what we want

[@onebottleofwater9487]

@@haydenmilam8252 I mean you can, just need a shit ton of money which you don't have

[@JM-kr3sy]

Right I'm MISERABLE I just wanna hang out all summer job sorry you need to work to live. Winter I don't wanna go nowhere job no such thing as a snow day

[@haydenmilam8252]

@@onebottleofwater9487 damn just called me out

[@zenleeparadise]

nah the adults in my life made it perfectly clear how much being an adult sucks, I never wanted to be an adult and I still don’t want to be one

[@jdgrass6134]

I call bullcrap! You wish that half these places would answer the phone even half that fast! Great video though, and very accurate on what it's like when you have to do this stuff for the first time on your own.

[@zenleeparadise]

This would’ve been a feature length film if he made things as slow in the video as they are in real life lol

[@invarian_off]

@@zenleeparadise Would’ve made a great documentary though 🤔

[@zenleeparadise]

@@invarian_off reminds me of a joke a comedian I can’t recall the name of made once- he was like “why are there no documentaries about normal people? Every documentary is about a freak on the search for the perfect piece of sushi or something. There should be a documentary that is just about some guy and the big arc is that at the beginning of the film he thinks he might have cancer and it turns out he doesn’t. And that’s the movie” lol I wish I could remember who’s bit that is

[@kitty667]

Yes. Not very accurate. This would never happen. Your parents automatically tell you which insurance to get. You have no say in the matter All in all, a hilarious skit

[@Gor1ockBlah]

You could make a movie on this

[@ktshipman21]

“Pretty sure I can legally throw a pack of gum at you” Exquisite call-back.

[@zsan157]

I was looking for this comment.

[@DavidM-du7xo]

I was wondering if anyone else got this!

[@thehalfcanadian1778]

And if at 25% strength you can also dump soda on them. Also tic tacs, and candy bars at the register are fair play

[@BewareTheLilyOfTheValley]

I just finished the video this callback alludes to :)

[@thehalfcanadian1778]

Oop, scratch that I missed the amendment no tic tacs.

[@justafan7379]

Entering adulthood is like being told what you need to do without being told how to F*CKING DO IT!

[@davidwuhrer6704]

This life is only a test. If it was a real life, you would have received instructions where to go and what to do.

[@mapofthesoultagme7143]

I am 22 and my life is the same as before

[@theeyehead3437]

@@davidwuhrer6704 It's a pretty unfair test... usually when I take an exam the front page is covered with all the instructions I need. And usually the exam comes after a course teaching me everything I need to know.

[@davidwuhrer6704]

@@theeyehead3437 Life is the worst teacher. It gives the exam first and the solutions afterwards.

[@Gina-gi3ip]

@@mapofthesoultagme7143 and that's bc of privelege

[@RuhanMajithia]

"oh I don't speak Chinese" The delivery of that line was so perfect lmao

[@Goldendeed]

I was looking for this comment That was so good

[@Kaviranghari]

I spat and choked on water due to it

[@StephanieJeanne]

"We literally just stood up, the camera went to black real quick..." Hilarious! Adulting is so fun.

[@jerryokazaki8626]

If By Fun you mean Depressing Than Yes

[@DeathnoteBB]

@@jerryokazaki8626Yes that was the joke

[@silkroad1201]

"Whatever's the cheapest" should never leave your mouth when signing up for an insurance policy Their cheapest options always fall under the category of "Legal, but not covered"

[@johnchessant3012]

3:29 Ah yes, you can actually throw one pack of gum at 50% power for each coupon he was trying to use, plus one more because he was trying to pay by check, which means 9 in total. And if you limit yourself to 25% power then you're also allowed to pour a can of soda over his head.

[@MinistryOfMagic_DoM]

Glad someone remembered the specific rules. I chuckled, but couldn't remember the specifics of what he could throw.

[@23Bandz_]

The Zach KZbin universe is coming together

[@woerkntwerk5245]

And if he is using eight coupons can I use a specially designed crossbow to fire a pack of gum at the equivalent of 400% of the power of my hand held throw?

[@Bowmen-xc8nb]

@@woerkntwerk5245 Yes, but only if up to half of the pack of gum is fired at a time to ensure that one pack of crossbow gum does not exceed the damage of eight packs of hand gum.

[@nyoom6293]

Superior comment

[@__Hmmmmmmmm__]

I just filed my taxes by myself for the first time and this is pretty accurate looool

[@hamingnu6610]

I just *didn't* file my taxes for the first time, so none of this applied at all. 😎 (The IRS currently don't know my address, do they?)

[@__Hmmmmmmmm__]

@@hamingnu6610 Probably if you have a social security number or whatever the US use. The CRA in Canada definitely knows since everyone looool, no hiding.

[@Shadowswolf9666]

@@__Hmmmmmmmm__ did you know our SSN wasn't supposed to be used to I.D. ourselves in the U.S? The reason why it is used as it is is because we keep putting lazy people in charge

[@varogoth]

Imagine paying taxes.

[@feuerrm]

Same 😂

[@manlytimber1629]

"I got a girlfriend you need her cup size?" Ah this one killed me 😂

[@jda7667]

What's a cup size

[@murphygreen8484]

@@jda7667 Venti, Grande, Tall

[@jda7667]

@@murphygreen8484 ok thanks

[@tarbsmwale9093]

Nice bro ikr 😂

[@taco1058]

@@murphygreen8484 😂😂

[@Zekr0_]

So basically if I open a one stop solution for all the problems Zack listed in this video, I am so goddamn sure a lot of people will pay me just to make this seamless and just 1 payment to manage all of it.

[@salmonroe5608]

Yeah, an administration service would be great, but i donno how easy/hard it would get. Nor for the cost. Nor if it's even legal.

[@SiMeGamer]

I believe that in terms of cost it will be very expensive for your clients and you'll go bankrupt fairly early into that business. The problem is that you'll have to make either the general or most constly plans for all your clients of you'll have psycho analyze each client in order to hopefully make the best decisions in their stead. It's a very complex style of business. You'll have to be an absolute expert and limit the options available significantly to be able to have enough clients and be able to manage it it terms of time. Good luck making tons of money for bs that isn't always even necessary. And btw, if you or anyone are interested in part of how these problems became what they are, I recommend reading The Paradox of Choice. It's pretty fascinating and will make you and your future business hopefully more customer friendly by limiting options and make your choices in life far easier to make if there is an overwhelming amount of options to choose from.

[@psychic8872]

So you are going to bundle more than car insurance and renter insurance?

[@davidwuhrer6704]

It's called a government.

[@davebennett5069]

so what's it like being an optimistic 20 - 25 year old?

[@rabitwarior2]

You forgot the part where they don't pay you a living wage and apartments want you to work two full time jobs to even be considered because you have to make "two and a half times rent monthly" which usually means $2500+ if you wanna live alone in a apartment that costs roughly $1,100 a month for a 1 bed 1 bath, depends on the housing market in your area but it can get even more ridiculous than $2,500 a month

[@thesong7877]

I've seen apartments that required you to make *40 times the rent*. Bloody insane.

[@MinistryOfMagic_DoM]

@@thesong7877 I'm sorry did you mean to put 40 or did you mean 4? because who the fuck rents an apartment and also makes $44,000/ month or more? I mean 4 is insane too.

[@luisandrade2254]

I’m pretty sure that 2500$ isn’t hard to come by in the states since pretty much everyone I know there makes significantly more what do you mean living wage for

[@luisandrade2254]

@@thesong7877 per year so pretty standard

[@rabitwarior2]

@@luisandrade2254 even at $15/hr a 40 hour work week is only $2400/mo

[@JoeCMath]

2:45 I hate when my boss cuts the camera to black in my trainings!

[@Conta_Minated]

That stuff about insurance claims is sooo true. Like, if a wild moose runs through your living room window and bleeds to death on your carpet while kicking your sofa and table to shreds, it's not covered. Why you may ask? It's caused by a wild animal. If was your drunken neighbors, it would have been fine, but wild animals? Nope.

[@amirhosseinmaghsoodi388]

Weird that things that are caused by people who can pay up is covered but animals and natural disasters which can not pay up is not covered.

[@donald12998]

"Good news, you're covered. Bad news, you haven't hit your $10,000 deductible yet."

[@viperstriker4728]

@@amirhosseinmaghsoodi388 I believe the first insurance was to cover fires a curtain city in England. It's been a long time since I heard the story but basically some guy realized that if he charged everyone he could pay for the houses when a single section of the city burns down. Turns out fire and other human caused issues are pretty consistent when your averaging it over a large area (because humans behave very predicable when in large datasets). Natural disasters on the other hand hit the entire area sporadically causing larger payouts in ways you can't plan for financially.

[@amirhosseinmaghsoodi388]

@@viperstriker4728 thanks for the info. It was nice to see the logic of this illogical behaviour.

[@ShorlanTanzo]

@@amirhosseinmaghsoodi388 Yup, basically natural disasters are a whole separate category because the insurance company would get overdrawn with claims and just go bankrupt instead of actually covering the things they're supposed to cover. Insured assets are bundled as a whole, but not individually, so the company would go bankrupt, someone else buys up the accounts for pennies, does a bit of claims adjustment, pays out some of the claims and denies the others. And everyone gets screwed, no one is happy, and its business as usual.

[@roguetrick4590]

Stuff like this is what we should actually be learning in school

[@TheRealRiptide01]

Exfuckingzactly

[@TheRealRiptide01]

Schools useless

[@2010ngojo]

What they should be teaching is good problem solving skills.

[@TheLibran1]

High school should require it, along with civics and home skills.

[@FireOccator]

That's a great idea, Jimmy. Now deposit it into that bin over there so that it can be properly ignored. Also, don't forget that you have art, music, dance, gender studies, social studies, literature, drama, religion and pop history today. And don't be late for that festival that nobody wants.

[@Mark---W]

As a Certified Adult with 10 years of experience, I can attest to the fact that video is 100% factual.

[@StarboyXL9]

I love the subtle satire of Zack starting "his own business" by calling a "store" that does everything for you (presumably for a fee). If that doesn't encapsulate our attitudes towards life I don't know what does.

[@byrdyboi]

“Do I need life insurance to commit suicide or can I just-“ 🤣

[@lastswordfighter]

The Canadian government will do that for you now.

[@SightlySinner]

@@lastswordfighter I always did want to go to Canada one day 🇨🇦

[@drewtheunspoken3988]

I remember my first attempt at adulting. That was the most stressful 8 seconds of my life. I might try it again one day.

[@commentbot9510]

This is why I’m a 20 year old child

[@nigawhiga1996]

Same

[@zou1507]

Same

[@ArticBlueFox96]

@@commentbot9510I'm about to turn 28, and I still can't do any of this without help from professionals, and even then it takes me two weeks and I cry a lot.

[@SaltyAsTheSea]

I'm gonna go start a tribe of nomads and get called a cult because we have (fish) taco Tuesdays and wear dope ass clothes, and the government will hate us for this one simple trick of not paying taxes on the tie dye and herbs we sell. Lol.

[@danielrobison6551]

Despite some of the questionable things that some of those businesses wanted, the most unrealistic part of the video is that he didn't have to go on hold for 30+ minutes just to get to the person lol

[@Bitgedon]

I’m crying. I can’t tell if I’m laughing too hard or if this is just a reflection of the reality we live in.

[@UXGillespie]

For all of you teens out there worried about adulting in the next year, keep in mind that there are also a lot of programs and kind people out there designed to help you with "adulting"... You're very much not alone.-Uriah Gillespie, 30 year old

[@echo-048]

Is there anyone who thinks that there should be a class in school where they teach you how to do stuff like in the video cause I’m like almost a year into college and I have no idea how to do adult stuff other then applying for fast food jobs, and filling out income taxes.

[@Krunschy]

It sure would be hella handy to know all this stuff, but I also sure know that most kids, including myself, would likely not have cared for that one bit and/or forgotten about most things by the time they needed them, simply because the actual adult life must feel incredibly unrealistic to most teenagers in school.

[@Maria-se1wo]

Then I think it would be better if they do it in higher grades for example your graduating grade. Then the pupils might take it more serious

[@HadassaMoon144]

When I was in highschool I at least learned how to write checks, balance a checkbook and do stocks. I don't bother much with checks nor stocks but it did help me understand that things were going to get very complicated.

[@jessicam3555]

I had a class called “adult roles and responsibilities”, but it was such a joke. Especially bc it isn’t necessary to you in hs, so you don’t have a reason to pay attention and don’t retain the info. Plus times change so quickly. Like we learned how to file our own taxes and write checks, but no one does that anymore. It’s irrelevant to high schoolers.

[@DameOfDiamonds]

There's consumer math in highschool

[@josephkihuguru]

*"2/3 Men AND Jada Smith will experience hair loss by the time they're 35 years old"

[@ZachStarHimself]

😂

[@tedkaczynskiamericanhero3916]

The insurance doing everything they can to get out isn't even close to reality, it's much much worse than that. I remember my dad tries to make a claim because his water pump died the day after Christmas. Obviously we didn't have water, Progressive told him they'll file a claim but it won't be looked at for around 2 weeks "because it's not an emergency" That and he called to see when his rate was going down because after 10 years and no claims he got "well how much lower do you want it" like my dad's an asshole for trying to get a better rate.

[@darthdonkulous1810]

A progressive fucking someone over? Never! lol

[@FatherTime89]

I thought this was going to be a video about how people who complain about adulting are lazy or whatever but this was a nice surprise. And very relatable.

[@wesleymclain9146]

Seamless transition to the ad! as always! I KNOW! It's like he practices it!

[@silverletter4551]

I'm sick of infomercials. It's not cute, quirky or amusing. If they don't make enough money with these videos then maybe they all need to go get real jobs.

[@veljkoangelovski5349]

"Are you head of the household?" "No, im king of the jungle, what the FUCK are these questions?"

[@nonamewriter7950]

"Do I need health insurance to commit suicide or can I just...?" LMAO I ACTUALLY CHOKED ON MY COFFEE

[@carlosa.4516]

I have literally no idea how he made this so funny. I haven't laughed this hard in a long time and then showed it to my dad and we both were laughing super hard by the end of it. Practically a perfect sketch imo. This was amazing

[@tobybartels8426]

This is actually a really educational video, and all high school students should be required to watch it before graduation.

[@squiggiet5928]

I graduate in 2 days and all i got from this video is that i wont understand anything

[@sixkicksfightertricks949]

I'm 20 and I've been dealing with this type of shit for 2 years now, and I still haven't covered much beyond job searching and DES. Why doesn't school teach any of this?

[@matthewventer8932]

That's what I'm trying to figure out.

[@lad4830]

@@matthewventer8932 few comments above: But then how could we be taken advantage of by the government and our employers? that's why

[@jamescassar5348]

I started adulting at 18/19. Fast-forward 10 years later and it is routine. It can be a bitch at times but very rewarding 👌 well done Zach spot non

[@zenleeparadise]

nah I’ve been doing it about 6 years and it blows

[@guineapigtalks]

You must have a lot of money 😂

[@JM-us3fr]

14 years for me. Still haven’t figured out half this stuff

[@jamescassar5348]

Wow you guys really suck at bring adults 🤣

The only rewarding thing about adulting is being able to trade stocks, the rest is just a waste of time.

[@ori2377]

I started laughing and then slowly started realizing how completely unprepared I am for when that time comes.

[@Goobergal8705]

A lot of this is "shit that should be taught in school, but isn't."

[@nicktrueuniversegaming246]

I've been doing this for about 2 years, I've given up on caring about the future and only care about the now. so literally just enjoy the freedom and worry about the problems when they come

[@CosmicHarmony58]

But that’s exactly how the problems come…bad advice. It can be prevented in the FIRST PLACE and you’ll get smarter. Think about that when they come for your car, anything paid for by credit card and pet emergencies…all while being broke. It’ll add more stress dude.

[@nyx5232]

You know you are really adulting when you actually call someone.

[@akadventures329]

“Yeah, but remember the store motto? Figure it the fuck out?” This fucking got me man lmao

[@DaMbast]

Pretty funny and serious video. I really liked that “per month” line that you also said a lot in the buying health insurance video.

[@madhatt45]

The apartment one definitely got me. I remember being just as confused when asked for all those things.

[@danielrhouck]

The protagonist has a superpower of being able to get any type of business by dialing random numbers, and by filling out a “few” “simple” forms I’m sure he could turn that into a great business opportunity.

[@phillpauley6672]

I'm 38, I own my home and I'm still trying to figure out this adulting crap. 🤣

[@CosmicHarmony58]

It’s like having children in their 40s still bugging you for various reasons. It’s like “Oh my! Will this having children crap EVER STOP?!” 🤣

[@justinfernandez3520]

As someone who worked at geico for 6 months I can 100 percent confirm that is how people talk to you when you work for a car insurance company. If you aren't threatened at least once a day you leave feeling weird and like something terrible is going to happen to make up for it

[@zeketargaryen1440]

2:19 no im king of the jungle 🤣🤣

[@FennekMaster]

The fact that I'm able to understand just about all of this perfectly, despite feeling like a lost child half of the time, is a surreal experience.

[@RCHProductionsYT]

You know it’s gonna be a good day when we get a new Zach Star video

[@entropyz5242]

Zach, I just finished engineering school and started adulting and realized my hair is actually falling. I will take advantage of your advertisement. Your video is spot on brother!

[@Hyperdisk]

You've mastered comedy and ad placements. Nicely done

[@julientorres4459]

the funny thing is that even after all the hassle its still wayy less stressful than being financially dependent on your parents

[@nutbastard]

I've gone the third route. I live in a car and fix appliances for parking spaces and money. Of the 13 hours a day I am awake I clock about 40 minutes of work on a busy week. My bills are $100 a month plus fuel. Food isn't hard to find. The only things I miss are sleeping with my legs straight and running water.

[@commentbot9510]

I really hate how complicated everything is. It makes it so overwhelming

[@junesilvermanb2979]

Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. It provides liability insurance and the tenant's personal property is covered against named perils such as fire, theft, and vandalism. It also pays expenses when the dwelling becomes uninhabitable. Due to renters' insurance existing mainly to protect against losses to the tenant's personal property and provide them with liability coverage but not to insure the actual dwelling, it is significantly less expensive than a homeowners' policy. The owner of the building is responsible for insuring the dwelling itself but bears no responsibility for the tenant's belongings.

[@lanceknuth5300]

6:22 It's not burglary when Chad does it.

[@junesilvermanb2979]

Burglary en.wikipedia.org/wiki/Burglary

[@MackyMan73]

You are hilarious man, I just started watching you yesterday at work on break and I couldn’t stop laughing. Keep it up, the videos are comedy gold!

[@LittleDemonInside]

I'm about to start adulting in a month and have so much anxiety about these types of things.

[@thomasmesfin1]

Man this is my last year before becoming an adult and it’s gonna be a crazy ride.

[@TexMeta]

I had to pause the video several times I was laughing so hard. God this is accurate.

[@NeonVoxel]

That may be the cleanest sponsor transition I’ve ever seen.

[@stephanie4698]

At this point, I think it would just be easier to live in the middle of nowhere, off the grid, as a hermit.

[@scoundrel7011]

I was thinking the same thing

[@dfreeman16s]

Dude this guy is great. Thank you for this.

[@destinitra]

But also “Are you head of the household?” “No I’m King of the Jungle” got me real good 🤣

[@devildham]

THIS is the modern BIG reboot movie that we need.

[@astaroththefallen6796]

Wow! I was eating breakfast and when you said the trash joke about your Ex, I almost choked from bursting out laughing. I was not expecting that less than 30 secs into the video! lmao Anyway, thankfully I didn't die, so keep up the good work! :D

[@opalophelia1274]

Favorite parts 1:03 dialing random numbers and them answerimg 1:34 are you.. Talking to me? 1:42 1:48 2:13 2:18 no im king of the jungle 2:29 💀 2:39 2:52 3:40 4:59 5:15 5:40 5:57 6:20 6:30 Soooo. The whole video👌👌🩵

[@MinistryOfMagic_DoM]

Love the callback to the legality of throwing stuff at people who use a check to pay for stuff.

[@davidrains3918]

Kids, “I wish I was a grown up”. Adults, “ I wish I was still a kid”.

[@FaeTheMf]

3:12 Ugh Ti-84? Imagine not using a TI-89 *Titanium* (If you couldn't tell I'm being sarcastic)

[@eliasleon8352]

I'm moving out in a couple days this sh*t made me freak out even more lmao

[@Sean_Connery]

If only “the business store” sign had a crossed out “car insurance store” sign next to it lol

[@00bean00]

I was waiting for them to ask if he wanted to buy insurance for businesses

[@whitneysmiltank]

The last 45 seconds wrap this thing up so beautifully lmao. Great buildup.

[@sburns90]

The fact that they don't teach us half of this crap in high school is an Indictment on our education system. If they required a class on all this plus personal finance before you could graduate our country would be in such a better place.

[@RainbowFlowerCrow]

But then how could we be taken advantage of by the government and our employers?

[@simplesimon8255]

Public schools amirite?

[@日本ジョリーン]

​@@RainbowFlowerCrowso damn true

[@Ratsos12]

Bugger off ad man. Also love the non ad content

[@KKISCRAZYFUL]

I'm moving from an apartment into my first home and being a homeowner is like the second stage of this 😭

[@msreedaran89]

This is actually informational because of how all the important things are actually listed.

[@SpaceLegends]

As a business student, this was simultaneously the funniest and most effective way to revise for my exams today 💀💀💀

[@MultiRepaK]

That was so good, rarely do comedy skits on youtube make me laugh like you did Zach, you are extremely good, thank you

[@theunwittingj9525]

"Are you head of the household" "No I'm king of the jungle. what the hell are these questions!?" had me rolling

[@lenaduchannes8952]

You do not know how much I needed this!

[@migatoasi]

Moved out completely on my own at 18. This was wayyy too fucking accurate.

[@PinkSweets87]

Oh, Same. The Confusion I have renewing my Lease, Renters Insurance, Electric, turning on Internet, and Utilities every Year. When I got my first Apartment, I Signed and Initialed, and no joke, 52 Pages. My Escape is watching this. Thank You.

[@BewareTheLilyOfTheValley]

I've been an adult for nearly 15 years and still struggle to understand half of this, lol. Only just moved out from a private landlord to a regular apartment last year and had to get renters insurance (and yes, they want me to bundle it with my car insurance 😂). My car insurance is up for renewal so they called me to try to lure me over. Thing is, they're offering the same rate or a little higher than what I currently pay. I like the two bills being separate so I can ensure I pay them on time. If bundled, that's more money I have to pay at once. I also love how they real ass have add-ons you have to specifically mention for "acts of god", or things lost due to weather. Often times, flood insurance ends up being something way more expensive on its own, so if you own a house, for example, you must specify with your home insurance that you want flood insurance. The regular insurance might cover for the fire, burglars, a tornado, anything else. But any flood damage or water damage? Nah. Health insurance is also where I get confused but I just look at it as, I get sick rarely, but freak incidents can happen, like needing a blood transfusion a few years ago. So, I go with the middle plan offered. Not the lowest, not the highest, nothing with an HSA as I'm not likely to need one (I mean, I might, but I'll roll the dice on that). And retirement plans are hard to understand. Right now, I'm just going to get my workplace's 401K since their contribution rate is alright with matching 50% of your contribution up to 6% of your paycheck (which, between insurance and eventually buying company stock at a discount, 6% is about all I'd probably want to contribute each paycheck). Great video, it's definitely treacherous those first few years to get your bearings, lol.

[@drollfurball2863]

Been an adult for 10 years, some of these words are STILL intimidating.

[@WestonNey]

My dad was smart and slowly eased me into it. By time I was 16 I was paying half of my own expenses and bills. I paid all my own car insurance and saved up to buy my car and phone plan. Then I moved out and got my own apartment at 18.

[@retarded1651]

godamn, how did you earn that money and study at the same time

[@ivan_says_hi]

Hahahaha nice. My dad just beat me.

[@mapofthesoultagme7143]

I live with my parents because I am ok with living with them. I am 22 and we have several houses. I could move into one by myself if I wanted to and knew how to take care of myself.

[@sitanhuang9402]

or as an immigrant you just do everything from insurance to bills for your parents from 10 lol

[@HadassaMoon144]

My parents had me do similar. By college they had me finance my own laptop so they could cosign and I could build up my credit. I have excellent credit to this day.

[@donjones4719]

The comic timing of the back and forth cuts and verbal "double takes" is incredible.

[@mukundyadav6913]

I read this first as "Adultery for the first time" and realized how off I was and then realized that "Wait, that might be a great video idea too" lol

[@silverletter4551]

It would have to be a woman playing the character to make any sense. Pretty sure adultery training comes standard in every young woman's brochure.

[@prettylilhedz]

I've seen a lot of your content, this is probably my fave

[@tylerramage9822]

Im 25 years old and this is why i still don't have insurance, a car and still live with my mom.

[@graysnake5332]

Dude your ads are f****** fantastic

[@Thenoobestgirl]

I'm a grown ass woman but I still listened to that ad break because the segway was flawless 👌

[@heaven2598]

The transition music between scenes is as 🔥 as this video. Always bangin

[@simplysaifskits3847]

For the sake of my sanity, I'll take the bus rather than jumping through all those hoops lol

[@Danieljosol]

Whenever a vid goes through sponsored ads, I skip through them. You're probably the only channel where I actually watch the ads lol

[@zcalhoun3638]

there’s actually a required course called Personal Finance in my state that covers a lot of this! unfortunately our guidance counselors push everyone to rush through it, i took it online and only paid attention after failing a quiz the first time… it was probably really useful :((

[@majormalone2512]

Integration of the add….omg 😂. Two vids in, I’m a subscriber! Fukkin hilarious

[@SonicGaming6]

Imagine if schools actually taught us stuff like this

[@scottgoldfarb95]

For all you youngins out there, I can assure you this is 100% accurate although it did leave out the joys of watching the value of your bank account wither away due to grossly unhinged government spending

[@Lord_Falcon]

A lot of parents do actually dump everything on their kids at once. It's a shitty way to do things.

[@edthelazyboy]

Our parents and schools fail to teach the basics we all actually need to be adults. My spouse, friends, and the internet has helped me a lot.