Can’t Even Afford To Buy Food!

[@joshuaakers1041]

Another reason why senior year in school should be highly focused on MONEY. Credit, investing, debt. Responsible spending.

[@stapes7344]

Yeah its called finance class. But you prolly chose gym as an elective

[@ravenjamross1229]

​@Stapes the closes we had to finance classes was economics.

[@petermatthews2831]

I partly agree with this but I can also see how this could send people into depression. Then again maybe people need to toughen up Ahhh who knows!

[@joshuaakers1041]

@@stapes7344 why would you say i chose gym. Im 49 and in my school there was no finance class available. We were taught how to write checks and balance a checkbook the end. Now my children there schools have no finance classes ether but fortunatly they have a father who learned shit the hard way on his own and i have taught them about finances. To assume i took gym instead of finances was pretty ignorant on your part

[@stapes7344]

@@joshuaakers1041 Well to assume that no schools offer these courses is ignorant. Every school I know did

[@jamesmcd71]

Man, it's so nice to see a young man talking about financial issues. The parents have done this generation tremendous harm.

[@bettalivin]

‼️‼️

[@tylerbates8198]

But forgot to teach him to eat right and exercise

[@sackofpeas2470]

​@@tylerbates8198 This guy is out here helping people realize their financial situations and point them in the right direction, yet you're here talking shit about him. Wild.

[@Helljumper7200]

Agreed. The boomers have doomed us all

[@Bat0541]

Honestly one of the biggest ball drops of the education system as a whole. A Finance class that teaches you the basics of how credit/credit cards work, how to budget properly, how interest works, just all the basic points of finance in a persons day to day life, should be mandatory for every single high school student in the U.S. I would go so far as to say that a passing grade in the class should be a graduation requirement. and I would probably even say that a test on said basic finance should be a requirement to apply for college.

[@Jabullz]

"That is incorrect." lmao, dudes funny and I'm not sure he's trying to be. 🤣

[@krissyjn]

He's not and THAT is what makes it so funny....and sad! 😂

[@unprofessionalartist861]

Every time I go to buy something I can't really afford I see Caleb's disappointed face. He has saved me a lot of money.

[@manlopogo]

i need to get a customized debit card with his face on it

[@hiteshadhikari]

@@manlopogo that would be one more expenditure he wouldnt like Just keep his picture in your wallet

[@jackjack4412]

😂😂

[@Ridiculi]

YESSSS! I haven't put a single thing on credit or debit and spent only $24 since I found his channel this week. 😄😂. Saved me at least a few hundred dollars so far!

[@0xBytes]

Same! Today almost bought uber eats but then remembered Caleb and stopped and made my own food

[@peatmarshnotfound]

The big problem for many people is not being able to afford the things you want while doing the work you want, so you take up work you hate to buy shit you don't need.

[@frankvonfrauner]

That would be the smart thing to do. But most people keep working wherever they are and buy what they want with debt. And if someone is paying you a lot to do something, you must be good at it, and that means you enjoy it on some level.

[@akira357]

I really do wonders HOW MANY people in America are like this. Because I have met 8 people that I know FOR SURE is credit debt maxxing or paying the minimum every single months...ans then the next day I see them shopping online for a $500 gaming chair 😂 I know my network is a small small sample pool but judging from how much I make and how much I see other people spent...they must be making a lot more than me otherwise how in the eff can they just keep on buying and buying and I'm just saving for a house

[@noerknown]

The way Caleb explains it is like he's talking to anyone in this or that given situation. It's the friend who says "The fuck is wrong with you?" but then actually helps you out, not the friend who says "Yas queen!" but gives zero shits as to what's gonna happen to you

[@williambates7149]

Thank you for trying to teach these people but sometimes they will never learn

[@samuelmarmolejo4378]

Caleb has actually changed my spending habits I wasn’t financially literate for a long time but these videos keep me in my lane and make me scrutinize my spending

[@djhowell5273]

Yes dude I gotta stop buying supreme, I spend like 400 a week during the big drops

[@djhowell5273]

One drop last season I spend 1.2K on like 2 vests, a beanie and a inflatable snowman for my grandma lol

[@billrzr1]

Same. He made me realize how unprepared I am for an emergency.

[@traviscue2099]

I'd argue a big spending for most people in their 20s is going out. You can easily spend a few hundred bucks on the weekend. Vs staying at home with a video game, or drinks at home with mates. Just takes time to realize it haha

[@mommasbigboy8656]

@@djhowell5273 it’s a good thing you said that because I’ve always wondered what it’s like being an NPC?

[@Recklyss]

You gotta call the shit out man. People need to know the truth

[@staygoldenmyboyM]

1. Stop buying fast food , eat at home 2. Stop going out to clubs or bars you spend atleast 100$ or more a night 3. Pay what you can in cash not on card 4. Don't buy food at work start making food from home 5. Stop buying so many clothes a month and be resourceful on what you spend on 6. Lotterys or gambling isn't worth it 7. Don't be in debt

[@TaxinGigs]

Nailed it. Number 4 seems like one a lot of people sleep on.

[@tpk1412]

1. already do 2. dont club or drink 3. dont own a card 4. already do 5. only buy new outfits when the old ones fall apart. use the scraps as cleaning rags 6. never gambled or played the lottery 7. never go to the doctor unless im about to die so if i go into medical debt my life is already in the balance anyway any other tips ? 23, no parents, stupid, cant understand any "finance tips" i read online. just want to be able to feed my cat (found him as a kitten walking home from work one night, didnt have the heart to give him up) and save to get him his shots one day. thankyou for any help if you read this and decide to reply.

[@ystl1093]

@@tpk1412 you actually should get a credit card if you can be responsible. And get a better job or more carrer focused education

[@tpk1412]

@@ystl1093 can you explain why should i get the card? and how to get a better job with no education...cant do education im stupid. barely passed high school. and its expensive

[@dank-m5874]

1. DISCIPLINE!!!

[@user-lw4en2oi4l]

Caleb, you are a brilliantly level headed, reasonable, breath of fresh air in a world of absolute excess and irresponsibility. 🙌

[@pinkpugginz]

How is it being irresponsible just because you're poor? Has everything to do with who you were born to not who you are. Also those rags-to-riches stories are less than .1% so don't even bother bringing that up.

[@travissoff9521]

Ol'boy is wagging his finger at people while literally tweaking, obsessed with finance and capital. I don't even think dude has a job.

[@OhWell0]

"I'm able to get food" You'd be able to get food if you were a thief, an inmate, a ward of the state, an indigent forager. Only difference is- those people are not going to be paying for those meals months or years later.

[@traviss9059]

Boomer and Gen X parents didn't teach their kids shit about finance. I know because my parents didn't teach me shit about finance nor did my wife's. I'm 33, if I had known the kind of shit I know now 15 years ago I probably could be close to retirement.

[@new0news]

They didn't teach their kids how to survive in this late stage capitalist hellscape because they literally didn't grow up in it. In their time no one was investing in stocks crypto to try to somehow scrape together enough to afford rent. They just worked and bought a house with salary.

[@bigmikeylikes]

Credit cards weren't even around when our parents were our age. You life wasn't ruled by credit back then like it is today the older generation seriously didn't struggle in the same way we do and that's why they never taught us.

[@kg0311]

​@Michael Wilson They did struggle, but they didn't use credit except for a mortgage. Most bought their cars cash by saving.

[@BetterJS]

Then there is me, 34, who uses the internet to look this stuff up because I know a tiny bit of basic math and didn't want to end up broke. Keep blaming your parents, you literally have access to everything you need online...

[@eddiemalvin]

It's fun to blame the previous generation but, if you have to be taught simple things like... - it's important to set a budget and stick to it - you should spend less than you make - if you can't afford it, don't buy it - prioritize saving and investing over spending ... then you may have trouble with a lot of other aspects of life and finances are probably the least of your worries.

[@lisarae7823]

The easiest way to think of it is this. Take the money you physically have..and subtract all your debt. If it is negative, then in reality you have nothing.

[@nstg8]

You gotta add assets too

[@e2renee]

Dude works 50 hours a week and brings home $2,500 a month or $12.50 an hour.

[@matttremblay8225]

Most people are making this much money and like 20 people have just as much as the rest of us all combined probably more but we want to argue about if you can afford food THERE IS A MUCH LARGER PROBLEM GOING ON PEOPLE

[@cornmoney6439]

@@matttremblay8225 The problem is that people aren’t taking action to bring themselves into the top one percent. We need more millionaires and less poor people.

[@matttremblay8225]

@@cornmoney6439 we need to stop thinking that money and getting rich is the answer as people have been doing that for as long as money has existed and clearly it’s not the answer

[@bleu2680]

​@@cornmoney6439 lol that's the dumbest thing I've ever read. Check your maths again

[@blakesking6615]

@@matttremblay8225 I’m 24 and make $23 an hour with no finished degree yet. These people are absolute morons for willingly working these jobs. My last job paid me $14 and after 3 months i quit cause i knew i was worth more.

[@wtfsalommy3250]

Since yall are younger than i, hoomans used to support an entire family,house,car exc..now two people can barely support themselves..

[@adamostman3509]

@@chrisc4507He is saying that the middleclass is fucked

[@wtfsalommy3250]

Srry, needed more coffee... Its kinda like this, you get a four year degree to make nothing by the time you come out. All of your newly aquired debt,rent,bills,car,food,clothing. If you want to make above average wage,you might have to move to a large city. Now you have large city costs. From the past 30-40 years the powers that be,have calculated this day of which you speak. Basically,this was forced on you. Gas was less than a dollar when i was in HS lil over 20 years ago.

[@freedomartwork6950]

But some of it has to do with lifestyle, not just income & inflation. One car, frugal shopping, cook at home, less calories per meal, very little snacking, hand-me-down clothes, thrift shop furniture, small house or apartment, and cutting corners until you were able to save for that newer house, furniture, appliance or whatever - that was the norm, not the exception. Now young people want to buy or rent way above their means, furnish it new, and have all the modern conveniences, plus all the little daily luxuries and name brands.

[@1s_that_a_j0j0_reference]

When my mom was young, they ate in every day and used hand me down clothes. Gramps got a degree worth a damn but had to go get shot at to afford it. Gramma stayed home Nowadays, people get shit degrees and then bitch about being poor. You can live on a college degree - you just can’t be dumb about it The issue today is that kids are told they can do whatever they want AND they need a college degree It’s one way or the other usually

[@adamostman3509]

@@freedomartwork6950 No its the income not following the cost of living.

[@Detritis]

I'm so glad my dad told me that credit cards are extremely dangerous to use when you're young. Don't spend what you don't have- I may have gotten my first cc at 24 but money is not trouble for me (and I'm not rich!)

[@--Skip--]

Boy, has he nailed it! Companies are making record profits yet salaries are not rising fast enough.

[@Sandyyyyyyyyyy]

The guy is part owner of a small business, he explained it at Friend A gets 80%, he gets 20%, Friend B gets 5%.

[@Sandyyyyyyyyyy]

@@jsmith-u5i yeah, tell that to the guy in the video.

[@dylanmartino7975]

You know you’re broke when you can’t afford to eat 😂 Damn I’m him.

[@jspanos500]

Brother rockin the Lions shirt.

[@johnnycaralta]

For a dude who thinks he's knowledgeable about money, he sure missed the whole "money is debt" thing.

[@numberoneappgames]

I love Caleb's. He's realistic.💜

[@tabbyreed8925]

usually, but I disagree with him here. I learned in school that rent should never be more than 20% of your income, even less if possible but rents are just high everywhere now. It's just not possible to do that unless you are looking to live with 3 or 4 room mates in a 1 bedroom.

[@Comblux]

I love this guy. He's pointing out people's poor financial decisions in such a way that it is extremely entertaining, but still informative.

[@thomasgreen9513]

It's an ongoing problem in our society that the only time topics like this are really discussed (in my experience so far) were in two cases of my personal education. Once in middle school during a civics class that did not go in depth on the topic, then a mathematics class that utilized the statements of credit card offers in order to challenge us to critically think on financial sustainability. Our own education system available to the public at large is NOT geared to equip our current or future generations to think about living within their means, instead it is teaching them to live in debt and be fine with it!

[@mybloodsweatmetal]

I wish I would have had someone tell me shit like that when I was young. Took me a lot of terrible financial decisions that cost decades to get under control and get ahead.

[@jessicataylor4078]

My parents told me "don't spend money you don't have" I'm glad they did

[@ericwelch]

When someone has an “answer” for everything, they’re in denial and lying to themselves.

[@phillipkirby1989]

Truth is brutal and unforgiving much of the time. Thank you for being brutal.

[@Pensnmusic]

"Are you sure you have the right job? " Changing the system is difficult and requires collective action, so on a micro level that's the right question, but in a macro level why the hell is rent so high? Why is CC debt 30% interest? That sounds like it should be illegal, that's crazy.

[@tizzy6]

Yo man, I’m spreading your videos as much as I can, more people need to understand how this shit works

[@thomasdowsett8368]

I’m 23 and work as a tower technician for a contractor with Verizon. So I’m the guy climbing 5g towers. I clear about 16k a month and was stupid with my money, shout out to this man for making me realize I was so stupid

[@samdoessomestuff]

The loop, the hammer, just class

[@Wickwok]

Credit cards are to build credit and account for purchases easily with a statement. You should pay off card every month. Never carry a balance. That’s what give you an 850+ score and it will help you budget if you spend an hour on a Sunday once a month reviewing the statement. Cross out things you could have gone without and don’t relate those purchases.

[@wualdo]

Dude I love you because I need to heard this to fix my financial situation!

[@24js17]

The problem isn’t whether you’re making enough. The problem is how much are spending and if you’re getting more of what you want instead of what you need.. this applies to all income levels. If you don’t control yourself, you’ll always be digging yourself out a whole.

[@tuscanyiscol]

Very true but half your income on rent is crazy

[@cccspwn]

Don’t judge too harshly. Credit card companies prey on people like him with high interest. Allowing credit card companies to offer card rewards and perks. You should either be pitying him or thanking him.

[@hatsunemikufanboy]

Can I just say Caleb I just found your channel via shorts and I have to say that these videos have helped me a 31 year old man in Wales very much rethink his financing. I'm nowhere near as bad off as some folks but it has helped me immeasurably nonetheless

[@reidt5513]

Don't know what is more irresponsible carrying a balance on a card with 30% interest or being a Detroit Lions fan.

[@eduardotapia5983]

Debt is free money most of the top billionaires only use debt to pay for things and not actually money

[@michellel5668]

THAT PRESENTATION OF THE FAXXXXX! WOW! “that’s incorrect, that’s incorrect” LOL

[@mcweiser]

Knowing that Caleb is a Lions fan makes me understand his ability to conjure pain and frustration so easily

[@pastoPELUditow]

“That’s incorrect, that’s incorrect” hahaha

[@shootstraight91]

I am so happy my grandfather sat me at 16 when I got my first job and explained me how to live, spend and save according to your income. And I do not understand how there's not a class in school that would teach kids that

[@mikebonom]

This dudes more fiscally realistic and responsible than all of congress

[@Citystyler0]

I love watching these. They make me feel much better about my finances lol

[@kyle.1442]

The poor kid doesn’t even realize he’s drowning.

[@BMTroubleU]

Incorrect. You can't afford food. You can get food but you're using someone else's money. The look of realisation on this kids face was priceless

[@Pntngbrn]

Logic is hard to dispute with "feelings"

[@adamfreeman218]

If he cannot afford food he should go to a food pantry to alleviate some stress

[@travissoff9521]

Not being able to get laid so easily from good looks and personality has really helped this guy focus on what he can change. It's good to see him spreading facts to other youngsters that may be using money for pleasure when it should be invested in hopes for a 10% return when they are older. If you put 3000 a yr away for 10yrs in the stock market your looking at 33000 if your returns are good as opposed to a measly 30000 instead. It's like a free 3000. Kids gotta figure out how not everyone who works full time deserves a car and to forget anyone that tries to get you to go out to get food or do hobbies no matter how hot or funny they are they aren't worth the money you could save staying at home.

[@jamn2boost]

The disconnect is insane

[@warthogA10]

Credit cards, scores were a trick to trap the general population into chronic debt. Then there are all the tv shows, showing people living in majestic homes, driving brand new cars, dining out all the time, spending, spending, spending, to appeal to the general population to want those things, and use credit cards to live beyond their means... Everyone wants a $30,000 celebrity pro chef kitchen, and then go out to eat 4 nights a week... This is all by design. Young generations can't even get out on their own these days, it's virtually impossible for the average person. $15 hr min wage, the ridiculously high cost for rent, cars, auto insurance, average cost of living... I wouldn't want to be a young person today trying to get out and build my own life.

[@bumgop]

I agree generally with what hes saying, but sometimes you need to understand that some people are happy with just living plain lives. If this person is happy with the state of their life, why should they compromise that happiness to fit someone else's idea of what happiness should be?

[@scotttaylor657]

The most important skill to learn is to tell yourself “NO”

[@Saxonite_]

Credit card companies look like they running the algorithm with this videos view count - keep up the neat videos Caleb! 📹 Edit\\(When I posted this the short only had 17 likes and 60 views which made me think someone didn't want us to see this - it now has more views & likes so this comment of mine hasn't aged well 😅🤣)

[@nkxseal8398]

Wait, you think these videos are good for credit card companies?

[@gladlock]

I have youtube with no ads but if the algorithm is serving you credit card ads is because the content is about credit cards. I don’t demonize credit cards and banks personally. It’s like fast food and alcohol, we are all responsible for our poor decisions. Credit cards are a fantastic tool to buy things in a pinch or to safeguard your actual money from theft

[@Saxonite_]

@Evolve My comment was from when the video had virtually no views or likes - I posted it because I thought it was odd & humorous. Ive put an edit on my comment to clarify that - I agree with what your saying even though I personally do not use one as I've been raised as the kind who'll only spend what I actually have.

[@RzTheTree]

Popped up on my shorts feed and I paid off half of my debt. You're right losing money because of interest doesn't make sense.

[@calumclark9128]

There is a fundamental issue here. Any line of work someone should be able to exist working full time. All the people saying he needs to pick himself up by his bootstraps are the same people who'd say homeless people should just buy a house. This is late stage capitalism, it's only going to get worse.

[@barrydabwob5321]

no joke and those same people are the ones that complain about not being to buy their shitty fast food cause no one works it

[@AJ-di4df]

“Any line of work”? Bro if someone offers you a job of $10/6 hours to sniff farts you don’t have to accept that job. That is how consent works.

[@nicmetz4269]

I got an old friend like this that would just spend borrowed money before they got checks from the government and would max out his card and then have to borrow money to pay the minimum balance and then spend the rest of it again which is just exactly how much he got put on. Shameful that one could be so irresponsible and not even care because I get hella anxiety when it comes to money and I’m constantly budgeting my finances to avoid this anxiety, maybe it’s that same feeling that’s driving me to do that but either way I couldn’t imagine just spending more money going deeper into debt every single day and not having a plan to get out.

[@justing7490]

its crazy how many people arent able to grasp this. I went into stupid debt in college too, but I knew I was doing it. I just kept lying to myself and saying "Once you graduate, it will all be worth it" it wasnt. Always budget. Short term dissatisfaction is better than taking an extra decade to get your goals.

[@KayGee-KG1]

I wanna go on this Pod so bad 😭 I need this hard hand 💯

[@MWilk098]

The problem isn’t his line of work, it’s his standard of living.

[@ry1steelersfan]

This guy is beast

[@AmericanMillionaireCowboy]

That’s a really good question he directed to him about being in the right line of work.

[@travisa1326]

Imagine getting schooled by a lions fan

[@AdventureswithLouie]

Delusional is MAD Hilarious 😂

[@willcresson8776]

If 50% of your take home is going to rent you are doing something very, very wrong.

[@zeeke.tv_4842]

LIONS SHIRT SPOTTED‼️‼️‼️‼️ GRAHHHHHH 🦁🦁🦁🦁🦁

[@dannydelacruz7303]

These shorts get me to want to watch the ep for sure

[@williambencher2466]

"I think the way I look at it" bro. What the fuck. Why they do this.

[@traviscue2099]

The issue is kids moving to the city to chase their dreams. I moved up for my first year of Uni at 20, I had saved up 10k from the past 2 years working.. And that money went so fast, even with weekly money from the government as I was studying. After my first year that 10k was gone, and it was solely on food/booze. Took me till 28 to understand that I need to save if I want a house, then finally left the city at 32, moved to rural tropics and bought my own place.. There's no takeaway here, and I don't drink as often because I'm not stressed out.. Saving money is all about location, even if you have a basic entry level job, you can buy a house/car and save money.. Just get out of the damn cities.

[@jml32788]

I felt really bad for this guy. He’s in a position where he is being taken advantage of by his friend who owns 80% and then this guy owns 20 and does all the work while the other guy starts another company.

[@princesskileyrae]

Dude needs to learn how food pantries work.

[@salvadorjuarez8888]

This instantly hit me hard E-3 pay with a dependent is not enough to pay my credit card down appreciably, but I cannot quit my job only make rank. I’m frocked E-4 now so maybe soon I won’t be living paycheck to paycheck or at least I’ll be able to pay off my card before I pcs.

[@tedphillips3119]

Ignore people that tell you do do what makes you happy. Do something your good at and use your free time to pursue happiness. These Boomers give young people the worst advice because they grew up on another planet.

[@merg2928]

This kid work for so many people that are just lost when it comes to money. I’ll give him credit for trying on.

[@RKmndo]

If you carry a $10K balance on cards that charge 25% APR, you're paying over $200/mo JUST FOR INTEREST. That's not even paying ANY of the principal down. That's $200/mo that could be going into a Roth IRA or an emergency fund.

[@flakgun153]

Just do Uber for a day a weekend until it's paid off. Stop paying interest.

[@brandons9138]

My technique for minding my spending is pretty simple. I put it in terms of something else. If I'm looking to buy an item that costs $250 is that item really worth a week's worth of groceries? Is it really worth a single car payment? I frame my spending that way. It helps keep me in check. That $250 in groceries per week is for my family of 3. Not me alone.

[@jacob9340]

Just forget and ignore the credit card and take the sack on your credit score.. it's just a number on a screen that determines whether or not you're allowed to create MORE debt. Sometimes CC company will try and sue you but most times, judges throw it out. Even if they DO get to sue you, depending which state you're in, the state protects you from CC companies taking your home, vehicle, and home goods.. They'll then eventually sell off your debt to a debt collector and you COULD if you so desired to pay it - negotiate a payoff plan for anywhere between ~30-70% off the original debt

[@CheatingZubat]

Restore the roar baby!! Let’s go!!

[@kjaubrey4816]

I run a remodeling business, make good money, rarely go to restaurants and live on a school bus at the properties I am renovating. I hate nic nacks or anything that doesn't have a purpose. Many people would look at the life I live and think it is crazy but I look at how much they spend to project an image to people who mean nothing to their life and it just makes me appreciate mine so much more...and, I love what I do.

[@TonyMontana-xv4lc]

I always was thought, don’t buy what you want, only what you need. Don’t buy something you don’t have the full amount to pay it off.

[@patrickr412]

This is why landlords don't pick people who aren't making at least 3x the rent. We want you to be comfortable and not struggle

[@lesterparker1594]

This is why when the bank approved my wife and I for a $350,000 home, we bought a $165,000 home back in 2020. It’s a 2000 sq ft house, on 2 acres, in the middle of nowhere. Our mortgage is 12% of our take home pay. We were able to buy the 8 acres around the home too so nobody would build on it and we could have some woods and privacy. Too many people spend every penny the bank approves them for

[@mariealp]

Recently found your channel & I’ve been binge watching it for days, seeing you wear a lions shirt makes me love you even more bc I’m originally from Michigan lol

[@boogzalpha859]

This caleb dude needs to get in a fight or something to relieve some of that aggression 😂 who hurt you man

[@dougheffernan6191]

I would love to see you debate that old Asian man that claims debt is a good thing

[@sayitaintso417]

Who is that? Debt can be good depending on what kind

[@dougheffernan6191]

@@sayitaintso417 I’m not sure what his name is but I’m sure you could do some research and find him. I’ve seen him all over KZbin on shorts talking about money and debt

[@RubeeRoja]

Are you referring to Robert Kiyosaki who wrote "Rich Dad, Poor Dad"?

[@dougheffernan6191]

@@RubeeRoja yes!

[@abyss1997]

Debt is good if what you are using it for is brinigng in more money than the interest

[@ssgvegeto2877]

Bro shook his head no and said yes 😂

[@ericaw7207]

It always amazes me how people can’t do this math on their own. They need someone to tell them to stop spending money they don’t need to be.

[@joshburkhart4812]

Caleb: 50% of your income goes to rent. Milenniels: That's normal, right?

[@levirichardson8505]

I feel like I’ve been second hand called out. Time to rethink things

[@MobiusCoin]

If he didn't have the credit card debt, I could see his point. My friend calls it the JIT lifestyle.

[@ericmueser]

The fact that people in our generation think "affording" and "getting" are the same thing shows a spectacular failure by the education system.

[@jaykillian5918]

Someone once said......if u cant afford to buy 3.....of whatever it is....u simply cant afford it.....i dig that as advice

[@briankc21]

Keys of life, good savings account , don't pay interest. Mortgage that's ok. Awesome credit, but only use 20% available credit line. 17% plus to retirement

[@runescapefan0001]

Money is just an arbitrary number these days, wages can go up but prices will go up with it.

[@WiGgYof09]

I am lucky to have learned this lesson early and never racked up credit card debt. I use credit cards, but I always pay them off at the end of the month or use a no interest option. I have never paid interest on a card.

[@lsgsrob2102]

I think this is a massive problem with my generation and generations coming up. The whole “as long as I can eat and have fun and pay my bills, I’m good” is really really bad. I used to be the same way and financially ruined the past 12 years of my life which could have been DRASTICALLY different had I would have had some knowledge about money. Patience doesn’t exist for these kids anymore and fear of missing out has them spending every last dime they don’t have and getting into the vicious wheel of debt.

[@DaronStronghammer]

I don't know much about finances, but something I do know is that it's embarrassing to ask someone for a mountain dew. I just recently started building my credit score, got a credit card and a vehicle loan. It put me in a bit more debt than I want but I paid off half the vehicle right off the bat and I make enough to pay for food, housing, and my car loan with enough to put $600 back into my bank. Whenever I use my credit card, I may be paying it off too early, but I get it paid back often right after the purchase I made.

[@pancholifestyle280]

Im just like this guy with my own family and they act the same way everyone does on his channel and when they make mistakes i call then out to help them realize it and its our responsibilty to give good advice to our own friends family

[@djfally_beatz]

Ughhhhhhh the denial is so Fing unreal