cost of living is getting out of hand...

[@jjbuckner]

► Download The Ultimate Budget Tracker, Debt Payoff Tracker and Net Worth Tracker: www.etsy.com/listing/1759376132/budget-debt-payoff-and-net-worth-tracker ► Sign-up for a 1-on-1 Coaching Call (both KZbin and Financial Coaching): clarity.fm/jjbuckner

[@RM360CR]

People in the USA have been used to cheap food stuff services for decades if not centuries because of many things slavery undocumented labor toxic farming practices where you dont factor in enviromental toxic practices the fact you print so much money with out gold backing it all that stuff is coming to end quickly.... and the women in spain is delusional I just saw a video about a spanish women taht wants out of spain because the government is allowing many people to stay in renteded properties for 2 3 5 year with out paying rent because they are not building enough social housing spain is poor and it wont remain cheap for long...

[@chickenwings6172]

I was born in 1981 and yup the mid 80's and 90's were awesome. Her bad credit score is her fault. 11:11

[@ReegDavis]

I retired at age 53 and am now in my early 60s. Many people resisted me because they couldn't understand the idea of not working if you don't have to. I considered my life to be in phases. I worked very hard to achieve what I have now, but in my last years, I owe it to myself to "stop and smell the roses." After I retired, I left the nation and now reside in Latin America. I was able to enjoy my new surroundings and escape from all the bad things that were going on in America. I haven't yet encountered anyone who laments their retirement.

[@OlivierFontenean]

Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.

[@MerbertFletcher]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

[@MerbertFletcher]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@JohnCash001]

I am retired at 42, but really retired back at 28.. I have traveled a lot.. but still miss not accomplishing anything or feeling a part of something..

[@immabooberry2740]

My grandmother retired at 70 and her husband has passed so she gets his as well. She is not enjoying her retirement though because she has 3 drug addict children who moved in to "help her" when her husband passed and is now stealing from her and living off her until she passes. It's so sad but when I took up for her I was the bad guy because she said she could finally "keep her family together" They had her sign power of attorney and make a will to give them the house and her social security. It's just sad she's allowing herself to be used like that I miss my Opa he was tough but he really protected her in many ways

[@DIAMONDGIRL57]

I remember being so broke I couldn’t afford a stick of gum. I lived pay check to pay check for twenty years raising two kids alone. Fast forward . . . Now making six figures almost debt free and ready to retire. Still driving an 18 year old car, no credit card debt, paid off student loans, saving. Saving, saving.

[@JoshuaTrinityWolf-dc4up]

Broke, hmmm well you may have seen me as a child in a UNICEF commercial on TV. I was so poor growing up in a shack by a swamp that the mice stopped coming. I went to school with rich British kids that wore expensive clothes, had 9 course lunches, owned horses, had a Cannon camera's in the 1960's and travelled to Europe most summer's to visit Paris and Italy. That's how I became rich in retirement and so I understand what younger people are facing in these very hard times.

[@charlesrobert6211]

@@JoshuaTrinityWolf-dc4up You don't have a monopoly on poverty, before the 1930's ninety percent of all people living in rural America had no electricity, used outdoor toilets, wood burning stoves, outdoor wells, lived off dirt with no UNICEF. The nation went to work building the dams, electrical systems, gas lines, highways, bridges, factories, railways that created the means to produce a better life. Botswana is as close to that as you can get so why isn't the rest of the world doing it?

[@charlesrobert6211]

Fantastic, congratulations you are what makes America great not pop stars.

[@JoelUldrych-kh2sc]

Smart being a saver and investor and being debt free.

[@Lookintobookz]

Most cant afford an emergency fund because they have nothing left over to put in it.

[@returnofthemack8347]

Exactly. He pretended to be empathetic to people when all he was really doing was pontificating and being condescending. You have college graduate, who can’t even find jobs so how are they supposed to be prepared? They literally worked for free during their internship and maybe they worked a part-time job in the evening and on the weekends. Some people skipped college together and then others depleted whatever emergency fund they had waiting for unemployment checks to hit during Covid lol once inflation starts kicking peoples asses, that coupled with life and if you have health issues that is well, What emergency fund do people have? People like him who have a decent income and have a combined income with his wife say shit like that. Some peoples industries were completely nonexistent after Covid. And the job market is really bad right now. There are multiple TikTok compilations about people who went through 13 rounds of interviews just to get rejected for a job position. I personally wouldn’t do more than three rounds of interviews, but you understand my point. People who haven’t been able to find a decent job since Covid may have had to take a little eye jobs or low pay jobs and once you do that, you don’t have any money. People also can’t afford to pay for school. Shawnee, KS Has put a ban on household being able to have more than two unrelated people living in the same home. Even if there’s three related people in the home and there’s just one person who’s not related to everyone, that living arrangement won’t work. The privileged homeowners in the areas were upset about seeing so many people living next to them when they really should’ve just minded their own business.

[@JavierPerez-t4t]

I am from Spain and i can ensure that she is really accurate with the prices. The quality of living is way better than the US.

[@chs75]

But your salaries correspond to those prices...not to mention the constant economic peril Spain seems to always be in.

[@najmaahmed8894]

Me and my husbund live in malaysia ,husband only work his salary is 800$ and 300$ side hustle and we have babies , i spend 500$ and save 400$ evrymonth , now tell me how you can sarvive in AMARICCCAAA with that incom ? 😂😂😂 women run outside everyday man run every day then they rise dog set asaid a baby and no one is happy 😢😢 AMERICA IS A DYING NATION believe it or not eryone is better the americcaaaaaa

[@myday2704]

And better food too

[@c.w.3226]

I have done the work program she is doing. It's accurate, but rent prices in cities like Madrid have increased a lot in the last 2-3 years.

[@Elvin-i4b]

"The quality of living"? Are you kidding? First of all, What is "quality of living"? Spain is cheaper if compared to The USA standards and cost of living,yes is a fact, its also cheaper compared to other norther european estates too. However in the USA, job opportunities, individual empowerment, entrepreneurship, tech, business eficiency,reliability and commitment is way ahead. In Spain there are no jobs, after 40 yrs old, barely no opportunitiesto find jobs. High taxes, most Spaniards live in constant anxiety if they will ever reach the end of the month to meet all their bills or as they colloquially say ;"month to month. Average pay is roughly 900€ net pay (monthly). You may find a cheap coffee around 1.50 € in small towns where the economy is stagnated or no jobs are found ( depressed areas or towns). Average Sapniards can't afford to save to pay for a house ( which are small when an American compares average house size. Almost every aspect in Spain is politicize. Housing rent is 500€ average in small towns but in larger areas or province capitals your salary will not be able to afford for rent.

[@CherylS-f1f]

My daughter got injured in Greece and needed emergency services. Bill was 55 euros for ED visit, X-rays, meds, stitches and three different MD evaluations in two days

[@podcastville5191]

We have to be close to a tipping point. Most people live in poverty and its only getting worse. We need a big change.

[@keeppressing1760]

Exactly 💯 ASAP

[@alexandrebenois7962]

A huge change is coming. For the worse.

[@justme-ti1rh]

You are poor because of your bad choices.

[@SubvertTheState]

​@@justme-ti1rh We are poor because of DUMB robber Baron sycophants like YOU! They barely need to propagandize us, not when you're out here worrying who is going to care for the rich lol. We don't have a free market. We don't live in a meritocracy anymore

[@kellyname5733]

Go to Mexico for dental/health care. Sooooo much less and waaaaay better care!!!!! I have been doing it for decades. Dont believe in the crap that our Govt. says about Mexico being unsafe (although there are areas that are, just like in the USA and all around the world). This fear is to make you stay in the US and spend your money here.

[@NateWaldron]

Where in Mexico do you suggest?

[@kellyname5733]

@@NateWaldron Roberto Villafana he is AIAOMT certified Biological Dentist. in Tijuana MX

[@kellyname5733]

@@NateWaldron For what kind of care? Dentistry? I ONLY GO BIOLOGICAL DENTIST and everyone else should too. Roberto Villafana DDS, AIAOMT CERTIFIED. Tijuana Mex.. Dentists around the world are still being trained with practices over 100 years old. Example-NOBODY SHOULD **HAVE SILVER/ FILLINGS DONE***It is actually made with Mercury. Extremely toxic to humans.

[@NateWaldron]

@@kellyname5733 thank you, thank you, thank you!

[@GentlRebel]

@@NateWaldronMérida is a great option. Extremely safe city in MX

[@fudogwhisperer3590]

People need to rent rooms and share houses, save and invest. Everyone wants everything now instead of planning and saving.

[@legoboy-ox2kx]

I'm trying to do this right now, but I don't make enough money to qualify for any type of home loan. I want to buy land and build my own house somewhere relatively cheap, but nice, and for that I need to make another $20-30K a year, but no one will pay a 23 year old that it seems, even though I have a good education, and years of experience in my field. My current job is the best I can find and I make about $50K a year before taxes.

[@christine6597]

As an Aussie the US health system is criminal. I pay $35 per month for dental & optical. I get 2 free cleans per year. 2 free checkups per year. Any x-ray is free if they're concerned about a tooth. Plus, I get hundreds of dollars off the bill if I require any work done. I needed new glasses the other week, Two pairs of glasses came to $700. They had a deal on at the time for any 2 pairs of glasses for $199. And with my insurance the bill was bought down to $19. If you need the hospital in an emergency, it's free.

[@KimSmith-b9v]

We have the same service in Sweden but we pay with our taxes. Food 12%, stuff 25%. Don't mention alcohol and tobacco.

[@justinron1772]

I live in the United States my vision and dental cost 35 dollars a month i get 2 free cleaning and free x-rays I went to buy glasses the examen is free and 1 pair of glasses are free

[@christine6597]

@@justinron1772 Sorry forgot to say seeing the optometrist is also free. If you have to go to the hospital in an emergency is that also free? As it is here....

[@justinron1772]

@christine6597 no i have a 7500 dollar deductible and 4500 in annual health insurance premiums its essentially a 15% tax on my income if I earned less i would be eligible for the state Insurance. Essentially the super nightmare cases u hear are people who have no forward vision and don't sign up for any program or try to not have work issued insurance to save a few bucks

[@JoeyBaguez]

And how much do you pay in taxes?

[@boredoreos]

Californian here. 3k a month mortgage and 3k a month spending for family of 3. Total 6k a month. Take home pay is 15k a month. COL is expensive, but wages are higher here.

[@invisibleloveone]

Yup, everyone outside of CA complains about it without actually living here. The higher wage is like having a higher exchange rate everywhere you go is basically cheap by comparison. Sometimes vacations cost much less than day to day living for those making a high salary.

[@ColetteSpencer-k5o]

Exactly. If you move to another state. You get paid so much less

[@danielponder690]

There's a subtext there he's leaving out and I can tell where he aligns politically, Reagan ruined CA and did a lot of damage to the US (regardless of your political identity)

[@billlumbergh9251]

Yes this is what happens when everything is monopolized .

[@missdaolovely]

I can tell you from personally experience that our health system and the health insurance is a joke. I got diagnosed with stage 2 triple negative breast cancer at the beginning of Dec of 2023 it took 3 months to get that diagnosed because my insurance didn't deem the imaging as f-ing necessary (Oct 2023), once the insurance was able to approve the imaging the hospital that is close to my home didn't have an opening until the next month (Nov 2023), my primary DR went on vacy so I couldn't do anything until she came back to sign off the order to get a biopsy done. Earliest appt the hospital had was Dec 2023. Don't even get me started with getting treatment to kick the cancer. My insurance kept dragging their feet to approve my treatment and the bullshit they used to not approve my treatment was again it was not life changing or necessary treatment. I pretty much had to be dying for them to approve anything. I'm still fighting the cancer. I'm still advocating for myself and most importantly not letting anyone tell me that my life does not matter. The sucky part was I worked for this insurance and they laid me off while I was on medical leave. Long story short our health system and health insurance needs to change for the better...

[@desireedebellis6766]

Horrific.. I hope you are doing better sweety !!!

[@kellyname5733]

missdaolovely...your story is horrific but not uncommon. Yep, they will string it out until you die. This is the plan. DePop. Laying you off during leave for treatment is illegal!!! File a complaint at the EEOC. The EEOC is there for us little people to get help when companies treat their workers wrong. Also you will probably have a claim at the DOL. Start at the EEOC. The EEOC and the DOL teamed up a few years ago for double power against unfair employers. Prayers for you.

[@innernetadmin3304]

Good lord! I'm so sorry you had to go through that. Shaking my head to your situation.

[@hulbdoggmusic]

Get some raw organic apricot seeds and start taking 10-20 of those a day. Apricot seeds have B17 in them which can help beat cancerous cells. It's way more in depth than that but that's the general idea of it. Tons of studies out there on this that show it can work for many people but of course the mainstream would never allow that kind of info to get too far out there.

[@donchoq]

What??? Obamacare wasn't the nirvana they promised? Get outta town!

[@krisleverette]

Love how people always say to have an emergency fund but nowadays unless you have a 25k emergency fund you're cooked.

[@lauravterrazas]

On the topic of "treating myself" I remember growing up, eating out was reserved for special occasions. In today's world, it has become an every day standard! It's crazy how much more expensive eating out is. It's also not healthy 😅

[@maddog7999]

not anymore. thats what yall aint getting. its not flat out cheaper to eat at home anymore. look deeper

[@lauravterrazas]

@@maddog7999 I have a good grasp on my finances and trust me, for my family of 3, cooking at home is always cheaper. 🤷

[@maddog7999]

@@lauravterrazas good. you may live in a better area for grocery prices. but with time and energy spent its nearly a wash or upside down for most of us

[@THETHIRDL2009]

Going out to eat is fine dining. Cloth napkins 3 different kinds of spoons and forks. But now it's considered going to eat anything that isn't cooking at home now....

[@desireesalas5820]

​@@maddog7999how long before you run out of excuses to justify your addiction to fast food? There lies your REAL problem. 😒

[@JakeRoy98]

I was born in 98 but I'm truly embracing an older style of living. I live in a small town in eastern Oregon, I sold a lot of extra stuff I had laying around (us Americans just have too much stuff) I made pretty decent cash just selling stuff cheap. Right now I'm in the process of building a little cabin on my property and I have an old pickup truck I paid cash for cheap. I have deleted a lot of extra emails and social media accounts and spend a lot less time on my phone. I have no debt and my bills are less than $300 a month. I work when I want and am planning to go on some trips and maybe even go to Europe. I'm exercising more everyday, walking a lot more like Europeans do and I'm cutting out processed foods and carbs. I think we keep trying to go after new cars, phones, have payments, big houses, buy expensive coffee, etc when in reality I've never felt more free just minimalizing and living a slower life. But it's not for everyone . I think you could even live this way in the big city if you did it right.

[@billwashington2014]

I rented for most of my adult life and hated it. I bought a couple of acres of land in NW Georgia, built my home, and retired in that order. I was always in debt, living paycheck to paycheck every month, and never saved a dime for retirement. Luck smiled on me when I became a homeowner in 2017 and retired in 2022. Everything I have I own outright. No mortgage, no rent, no car payment. I turned 62 on June 6 of this year. I have no debt, and I've positioned myself financially to weather any political or financial storm that may arise in the future. I can empathize with anyone who is struggling financially. But I'm here to tell you never to give up and to remain consistent. Live responsibly, and be selective about who you associate with or allow into your personal life. Learn how to cook your own food and live a healthy lifestyle. Your attitude, mindset, and level of knowledge will absolutely determine your future.

[@phoenix5054]

That low cost on Spain is carried by low-income young people making less than €1.2k per month. Youth unemployment in Spain is >20%.

[@HighGradeKonnection]

Low cost is only in Granada or emptied Spain , big cities are hella expensive in Spain too …

[@vidab.8149]

My 19yr for senior year has so many fee-s!! Omg... and she needs a prom dress, grad bash, home coming, lashes, senior pictures, senior lunch.. cap and gown. Like 4 to 5 different fees!! What just happened to a diploma, balloon, and dinner... bruh... I'm dying here. Plus my child has no job yet. Hell.. I need a fund raiser just for the senior year lol

[@topaz3468]

Between 2006-2008, I paid $250 per month for health insurance for my high school daughter and myself (a single mom). For reference, I was an independent contractor. Obamacare took over, and Blue Cross cancelled my policy and quoted $850 per month for the same coverage. I never had health insurance after that until I retired in 2020 and went on Medicare. I stopped going to the doctor altogether during those years. The tax fine for not having insurance was around $90 per year, so I paid that and ditched the system altogether! 😵‍💫

[@leee3880]

What? The government tried to “help” and the common person gets screwed over? I’m… so… shocked… NOT

[@topaz3468]

​@@leee3880So true! LOL 😂

[@Sammy-il1qf]

My friend is always moaning about how she doesn't have any money, can't come out to the movies, or theatre, or dinner. Doesn't earn enough, etc. Yet, she views having fake nails, dyed eyebrows and eyelashes, and waxing, as essentials! I don't get it. I grow my own nails, and use pencil/mascara for eyes. It's frustrating to hear someone say they can't do an activity when you know the stupid stuff they're spending their money on.

[@mariameldessouki3680]

the waxing is crazy because it costs $0.50 to use a piece of your own wax u make at home and 5 minutes to wax everything

[@SammyNdlovu1212]

Going to the movies, theatre or dinner are your priorities and maybe not hers. Nails, wax etc are her priorities and would rather spend her money on those 🤷🏾‍♀️

[@Sammy-il1qf]

@@SammyNdlovu1212 Duh. That's my point. She prioritises vanity over experience. Cries poor, but always has money for these non-essentials. Poor people ain't getting their nails done!

[@sarahmc8309]

I don’t eat our or go movies anymore it’s rare one if I plan ahead see mates etc but I have make cut backs. Hills too high even in affordable housing .my €550 a week check after txes / bus ticket / pension contribution doesn’t allow me to do it . Electric heat pump is most expensive bill weekly €350 a week. Rent bins and insurance for this is rest mt pay check .i then have a kiddo to feed .iv €50 a week feed me and him so cook from scratch at home ! It’s only way manage these days .i live in Europe

[@karl28560]

I'm so glad I served my country and earned my honorable dd214. It really helped later in life when I bought a home and needed my medical insurance. Those who served; KNOW WHAT I MEAN.

[@topaz3468]

I push back on the idea that the 80s was a better time. Laid off 3 times between 1980-1982 due to a severe recession. The mortgage interest rate on my first house was 16 percent! I suppose television shows portray a false image of this era imo

[@anggi8699]

That's the thing, the 80s was actually way worse than the 50s. But people have this nostalgia because the majority of the were kids in the 80s they don't realize that their parents were strugling as well.

[@janetgentry1846]

Yes. You look at the pictures with the prices, and you think, wow, things were great. They were not. Interest rates were sky high. Purchased basic car for $6k; interest rate 17.75% for 4 years. Late 70's and on is when the stay at home moms started working outside the home. Due to interest rates, low pay, and prices, it took the income of both parents to keep their standard of living. I remember my parents celebrating because my dad got a .25 cent raise per hour. That was $10.00 extra a week before the government took their share. Pictures look good, but it doesn't show what was really going on.

[@bradleyvanzile1111]

$5000 a month to rent for a roof over yoryour head is crazy expensive

[@NobodySpecial509]

Literally our mortgage payments for an entire year.. 😅

[@Joaquinonbasstheelectriklovein]

My folks bought a 3 bedroom brand new spanking tract home in So.Ca. with a spacious big yard front & back in 1957 for only $15,000.Crazy.

[@stephenjohnson5562]

Down to $39,000 in debt bro! Making strides!

[@jjbuckner]

@@stephenjohnson5562 keep going!! 👊

[@stephenjohnson5562]

@@jjbuckner yes sir! Love your channel bro. You cover lots of crazy stories! I’m in the oilfield so gotta keep grinding out here. Goal is to have no more debt in the first part next year. Keep it up yourself, you’re doing awesome!

[@kooweirdkid]

The Uni I attended introduced me to siestas (via convocation) aka "Convo" which happens for like 90min on Tuesdays and Thursdays where no classes happen, you are encouraged to get outside, eat, sip, chill, sun bathe, medidate, pray, visit the farmers market, literally anything but "work" or be in class. Really helped to mitigate the stress of school and break up the week / day. I wish our country as a whole had this type of vibe and meaningful "slack" to recharge and just be.

[@codymartin6117]

Wow. You're the same age as my Son. It's Corporate greed that has destroyed this Country. They are never satisfied. I lived in Europe and Italy 30 years ago and If I had enough money. I would leave and never come back.

[@3railmike713]

The funny part is the people refuse to vote for change.

[@Nimbhotep]

We don't get to choose. There are better candidates but we get two clowns to choose from

[@THETHIRDL2009]

Sad thing is you really can't vote your way to change. idk why people still preach this nonsense....

[@Authentic-Israelite]

No vote or candidate can change this.

[@ncscooterz]

Voting is an illusion……… You’ll never get change by voting for the lesser of two evils in elections where both parties are on the same team and they count the votes…..

[@josephnjoku-obiiii7892]

If only it were that simple 😂

[@AndreaRuralMN]

Single income/low income homebuyer here. There's no way I could afford a new build. My house was built in 1913. Because I am from this area and I could see past property tax info, I knew the taxes have never jumped year over year and would make my payment unaffordable. I also put 25% down so no PMI and a lower payment in general vs. 0% down. Home ownership on a single income is possible. Just need to be smart about it and get an older, but in well condition home....

[@sassysusie9243]

They will never overhaul the insurance system. American healthcare workers get paid too much money and they can't reduce costs, because they have to pay all those high salaries for doctors, PA's, Np's RN's, radiology techs & still make a profit.. people working these positions usually get paid over $100k per year plus benefits. There is too much money in the healthcare/insurance industry and it won't change.

[@Mysmalllifee]

I won’t lie I bought my house for 70k 5 bedroom 10 acres and 3 stall garage because I live in the middle of nowhere it’s the best life

[@jjbuckner]

Living the dream!

[@1isaacgardner]

Must be nice 🫤

[@OneIncomeSuperSaver]

Same 89k for 10 acres with 4 bedrooms 2 bathrooms, barn pond etc. Paid in full with cash..We saved our money. We paid zero in interest

[@RiveraVvV-n2l]

Same here 80k same size same location

[@demondmorris7308]

Where is this at

[@theresamcclure7333]

😂😂😂😂my dentist asked why I canceled getting my teeth cleaned before Christmas last year.. my reply: I can’t afford it!!!! Seriously!

[@donchoq]

I love how they throw around the total of 4000 dollars to you like it was only 40 dollars!

[@TinyWorldRide]

@@donchoqhahahaha

[@richardcoleman1427]

Sure wish the lady buying $3 breakfast in spain per day can explain how she only spends 150 euros a month on food, when 90 odd euros is spent on breakfast every month, she really living on 2 euros for food per day after breakfast ? Or does Breakfast not count as food ? I call that bullsh...........

[@minoozolala]

She's exaggerating. Look at apartment rental costs for Valencia or Barcelone - they're three or four times as expensive as she gives. Spain is cheaper, but not cheap.

[@BT-jm3ww]

It's started falling off when people started seeing how America treats its people like crap by not taking care of its own. We the people are tired and so.w of us are finding happiness elsewhere.

[@paulwatkins7255]

Either you learn to manage your money or the lack of money will always manage you. - Dave Ramsey

[@crawker]

Not only in the US...prices are crazy in Europe too.

[@jackkennedy9209]

My parents bought a house in 1978 or $78K CDN. Sold it in 1989 for $325K bought a bigger home, no mortage $265K out of the city. In a 3rd home since now, still no mortage, dad passed away, mom still has the house at 89 yrs old. When she passes, house is willed to me, no mortage and I wouldn't sell anytime soon.

[@debcomly2481]

I bought my cute house in the early 90's for 32,000. 2 bed with a garage. I'm happy to be in my late 50's. Younger Adults are screwed with the Home prices. It's not fair for them!!!

[@IowaBrian]

I think my annual dental coverage limit is $1,500. Funny thing is I think that has been the limit for 17 years.

[@dustywilson5461]

A friend of mine went to mexico for a surgery and some dental work and with all expenses factored in, he spent 36% less than what he would've spent here in the USA.

[@returnofthemack8347]

Unfortunately, Hair care is in necessity rather than a luxury for women who have a certain hair type i.e. if you have Afro textured hair. You either have to keep it braided, which cost money or you have to buy expensive products to keep it healthy and moisturized. If you don’t have natural hair, then keep your mouth shut. I can’t just wash my hair and pull it back in a ponytail. My hair will tangle, get matted and break off within days. I did make up for years so make up is not an issue. I have plenty of make up. I stopped getting my nails done, but I still get my feet done because I have chronic foot problems that I’ve had since I was a child and my podiatrist recommended that I keep my feet smooth and callus free and keep the tissue in my feet and legs broken up so I get pedicures and massage once a month. I’m also prone to ingrown toenails because my foot problems caused me to walk improperly. So y’all really need to watch out for making assumptions. I pay $337 a month for private health insurance. I was recently let go from my job and thankfully my health insurance is private pay and not through my employer. I wish somebody would’ve talked about the cost of auto repairs now. I used to be able to get an oil change for like 70 something dollars. Now an oil change is over $100 lol. I have an old ass car (2008). And tiresssssss my goodness: a few months ago looked at the price of tires for my car from 2021 and, what I paid for two tires is now the price of one tire. I didn’t get the same tires, but I’m just making a point. My cell phone bill has gone up, streaming services have gone up (I only pay for KZbin. I pay for it because I don’t want the ads because I have to listen to my sleep meditation and those ads will interrupt my meditation). I don’t pay for the other ones because I use my moms and my sisters lol. I pay for Amazon prime because I’m a Home baker and get lots of supplies from there. I also have to pay for delivery services like Instacart and target 360 because I need someone to carry my bags of the stairs for me. I also use a laundry service and I tip very generously for any service that I use that include to delivery or someone doing work that’s physical limitations. Keep me from doing temporarily. I can’t do for myself. The only thing I really do is go to the gym, go to the doctor or physical therapy and come home. I eat a high protein diet because I lift weights. I have Pilates which I have to have because my range of motion has improved drastically and my doctors have been impressed with the progress I’ve made and it is helped with my pain. I don’t have a social life and I don’t go out or do anything. I’ve basically just use all of the money that I would use for any social activities or shopping, etc. to pay for medical expenses and fitness stuff, which ultimately is a medical/health expense as well. This individualistic society that we live in kind of makes me happy that I don’t have a lot of friends. I pretty much just put my attention into my health and my family. I would love to do lots of shopping, but the cost-of-living doesn’t allow that type of leisure. I complain to my property manager a few months ago about the fact that we hadn’t been able to use our balconies for several months and yet my rent increased by $50. I made it very clear that I was only gonna continue to pay the rent increase if I was able to access every inch of my apartment, and my balcony is included in that. Well, she spoke to corporate and they took the rent amount off of my apartment until they’re finished with the balconies Speak up to people like your landlords and others because you never know what the outcome may be. Of course, do it respectfully because you may be surprised how they’re willing to negotiate on certain things. I don’t understand the life of smokers are still able to afford to smoke right now. My mom has been a smoker since I was a child but she will go long periods without smoking. When my mom begins smoking again, it’s never really a surprise but we do it because my mom can go a year or two without smoking and then she may start smoking again. Then she’ll stop after about six months and then she’ll start up again three months later lol. Then she’ll stop smoking for another two years, wash, rinse and repeat. 😂 I can’t imagine people who smoke a pack a day being able to reconcile spinning that type of money on cigarettes, but habits are expensive and hard to break. Utilities are totally different discussion because they play entirely too much. I do my best not to run my major appliances during peak hours. I literally stopped paying on my collections account because I paid off three accounts and collections that I didn’t know were there because I put in an address change and they were still sending mail to my old house. I didn’t even know those bills existed, but I paid the bills off nonetheless and that is a huge mistake. I paid off all those collections Off and my credit score only went up, two points for each account. Despite all of that, I still am able to find it in my heart to be generous and to look out for people who are in the worst position than I am so there’s absolutely no justification for these multimillionaires and billionaires to be hoarding all the goddamn resources when their resources combined could all get rid of the homeless crisis in this country. There is literally no justification for an eight car garage unless you have children who have cars. All you need is one vehicle for yourself and an additional in case that needs repairs and to be honest, if you have that much money, you can just rent a car in that situation. I can find two cars per adult practical but nothing more. The people who were victims of the hurricanes in the south east region of the United States haven’t received any help from the multimillionaires and billionaires. They have been receiving help from regular, working class people who are already struggling. People who don’t have very much extra, have made sacrifices to help people that are in a worse position than they are, and that’s usually how it goes.

[@timmymiron2727]

People are so delusional, in the 90s I was making 600$ a month, I had to have 2 roommates. When my food, internet, cable, phone, electricity, and my shitty car, I had about 50$ left a month. Ahhh, the 90s were so special 😅😂

[@GovernmenMagnitude]

The 1980s were even better. $3 minimum wage you could do all of those things.

[@koyanc3]

16:49 either inflation needs to be fixed or it doesnt. Saving is hard when everything is paycheck to paycheck. Someone thats struggling is just paying the necessity not wants. I use to save 7-12k every six month than life hit.

[@jasmines.6325]

During covid when immigration stopped rent went way down, if immigration had been continued to be held back housing costs would have gone down eventually too

[@BrianWaller-qe7gr]

Wrong rent skyrocketed because all those remote workers moved to cheaper places since they can work anywhere.

[@aimeekreutzer-malkawi]

No way! Lol

[@returnofthemack8347]

I have severely low iron and I have to get an iron infusion because it’ll take months for me to raise my iron through diet and medication. Although I’ve been actively using both, my iron is nowhere near where it needs to be. My $337 health insurance won’t cover an iron infusion and if I pay for it out-of-pocket, it’ll be anywhere from $700-$1800. I’ve used most of my “emergency fund” to pay for multiple medical expenses. I’m not starving, thankfully and I’ll always have somewhere to stay, but this idea of telling people to pull themselves up by the boot straps when people can’t even afford to buy boots lol. Gtfoh

[@tracyaf6084]

I’m sorry but I’m in California. Girl complaining about her 5k budget needs to get over herself. Poor princess 😢

[@ChangYu-wi4ez]

Saving up 5000$ takes some time. California and Vegas etc are expensive, those gas prices are OUCH California is ran awful. If I was in charge of a state I would just do the opposite of anything California does haha

[@Superfatcat2525]

If she can afford $5k she should be renting a room and bank the rest. Save up for a house. She is sacrificing her future stability for her immediate instant gratification.

[@danielponder690]

$82,000 in 1985 is equivalent in purchasing power to about $240,561.78 - it's a wage issue

[@savannahbedingfield]

Check your local community colleges for getting your teeth cleaned! Our college charges $30 for the public and X-rays are included. It will be a dental hygiene student practicing but an actual dentist will be there supervising and will check their work!

[@JemJules]

Dave Ramsey "IT'S ALWAYS GOING TO RAIN ☔!" WAKE UP!!!!!

[@samr8603]

Dont go to Croatia not expecting to be ripped off. Since they joined the Euro the prices are out of control.

[@Ariana0999]

Omg, my sister lives in a house in Salinas, California and it cost $700,000 and up for a 3 bed and 2 bath ..🙄 If you live in CA, It's ridiculous!!!

[@IrisP989]

If it is in an expensive area then that's the cost. Twin homes in my neighborhood cost more than $900K now in CA (a regular neighborhood). I saw a listing for $995K for a 4 bedroom, 2.5 bathrooms, 1,836 sqft. Has a backyard.

[@Grace.h-t8o]

High prices for everything have severely affected my plan. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.

[@Lewistonwilliams-f5i]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.

[@Kin-28-8]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@Theodorebarba]

That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?

[@Kin-28-8]

My CFA ’Stacy Lynn Staples’, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@Thompson-e7h]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@tracywilson87]

Teeth cleaning and full check up here in Ireland at a private dentist..... 80 euros

[@ShanTeacher]

Barcelona is expensive and rent for a private apartment can range from €700 - €1,000+ per month.

[@Tre2cool96]

The 80's was not all sunshine and rainbows. Their were financial struggles in the 80's amongst other things. We need to appreciate all of the things that we do have.

[@djmaker-pc9rc]

That was one of the realist advice I've ever heard man. Nice way to end the video. 🙏🏾

[@GovernmenMagnitude]

The worst thing that people are rude beyond one can imagine. People weren't like this in the 1980s. Health Care in California is getting similar to the Third World except getting worse by the year. They forget my appointments every time I make an appointment with them.

[@DigitalSwagg]

So blessed to have been able to completely pay off my mortgage last year. Planning on moving to Thailand/Brazil and having the rent fund my overseas adventures!

[@jjbuckner]

That is awesome! Enjoy!

[@jorgecendejas7550]

In Barcelona, it smells funky. I visited last month.

[@niki9638]

I saw a vid about a food pantry and they had an immigrant with her accent-prob Somalian region. Saying what she got at the food pantry was fine, if she wanted other things she would just buy it with her money. I’m so glad the incoming peoples are having it good.

[@codymartin6117]

70%of people on food stamps are white.

[@codymartin6117]

Ps. It's not the immigrants getting a little food at the food bank. It's Amazon not having to at any taxes. My husband paid more in taxes last year than Amazon and Elon Musk combined .Quit blaming the poor .

[@Servant_of_Christ]

I rebuilt my sailboat to a live-aboard bugout survival pod. My yearly cost of living is down to $3500 including everything even internet, they could do the same. I had my teeth cleaned and checked here in Sweden 🇸🇪 for 500 SEK (48 USD)

[@civicsport702]

A house is not an asset, until you rent it.

[@simpletruth9977]

I have a friend at work who has a mortgage on a $500,000 home. Sometimes, he makes negative remarks about poor people living in mobile homes. In 2005, I bought a mobile home and 2 acres for $27,000. Instead of paying a mortgage, I started heavily investing. Ironically, I could buy his home and property, but he couldn't afford mine. 😂

[@johnchan9392]

I total agree JJ. The American government needs to take care of the people first, after all it’s the people taxes the government that is spending oversea. Almost 100 billion dollar a year in military on foreign countries to defend, blow up, and then only to rebuild. This money can be use to support and help the American people. Up here north of the border, the same, but not that extent.

[@TashaRiley-bp5sc]

I work for Amazon full coverage medical, dental, vision, accident death accident extra death benefit, and injury broken arms ect 27.50 a week Great benefits!!

[@ayannafit2441]

Agreeing with the "You cannot pay me to live in CA" sentiment. I'm willing to visit but I wouldn't move there.

[@CALIRedHood]

Its ok we don't need you here

[@j.m.navcas6894]

I live in a city called Malaga, which is a well known tourist spot in the southern coast of Spain. It takes two hours by car to get to Granada from here. I always have a glass of coffee with milk (coffee is served in glass, not in cup here) and eat a toast covered with olive oil, tomatto sauce and sugar for breakfast at the terrace bar every morning. I pay € 2.60 for my breakfast. I used to think it's expensive till I heard you saying in your video that a simple coffee costs $ 5 in America.

[@spbg_4]

I loved Malaga!! I must have been 10 years old when I went with my mom. Ronda was my absolute favorite, I still have such vivid memories of the city in the mountains. Enjoy!!! So jealous

[@trevors7905]

15:00 No insurance, just lower the price of medical care based on average national income levels. The price is sky high because of insurance.

[@robertchavez5647]

I’m from California and I spent a month of July 2023 in Hannibal Missouri and was blown away at the low gas prices, cigarette prices (I don’t smoke) and even the lower food prices even though food in Missouri is taxed but not much and generally starts off lower than California anyways. As a retiree I’m looking for a home in Hannibal or Marion County between Hannibal and St. Louis using my VA home loan benefit or a USDA-RD loan with little or nothing down. The California I grew up and lived for 62 years is now dead!

[@jjbuckner]

I’m a mortgage loan officer here in Missouri if you need help with the VA loan! Send me an email: [e-mail]

[@Royaleoake]

As a Native Californian it baffles me why people want to come live here and try to make it as a young person. I’m lucky enough to be self-employed and have all of my family here as backup, but if you don’t have that it’s way to expensive to live here unless you make over $100,000k and work in tech. And that’s just to have basic needs. I love California, but California is overrated.

[@nomandatoryvaxing7433]

Bought my house on Long Island, NY in early 2019 for $289k. Sold in late 2022 for $415k, bought in East TN for $215k with cash. Done. 42 no mortgage, no car payments, no credit cards, $45k in student loans, $75k/yearly income, 3 kids plus wife. I don’t know any of my peers that are anywhere close to where I’m at and it’s wild.

[@CoreyFlickinger]

I hope to be that way within 3 years! 31 Y/0 now. Only Debt is mortgage.

[@kissengerc9468]

That 45k is going to turn into 100k with interest if he keeps paying the minimum payment

[@chrisphilips2768]

Use the money you made from your house to pay off that student loan. I thought student loans were all being forgiven now by the government?

[@TrappedQue]

I am one of those lucky one. I bought a brand new townhouse with 3 bedrooms, 1 1/2 bath in 2001 & paid $68,000. The house has been paid off. I am paying about $2600 a year for property tax & insurance. I budget $270 a month for that plus utilities of course. I know I have a roof over my head in this trying times.

[@brianlewandowski7610]

CA is actually cheap for groceries. You just fill your cart with less than $950. And then walk out like a psycho. Easiest checkout ever.

[@BrianWaller-qe7gr]

lol the Kamala rule

[@GlobalAdventurer]

Mexico has very good hospitals, some are endorsed by the Mayo clinic and accept health insurance from the USA and Europe. They have excellent dentists, laboratories etc. Even my dentist in the USA recommended that I use a dentist there while I was traveling. I would go there before I lost all my teeth.

[@Bill82759]

My wife, daughter and I live in Hua Hin Thailand. I can easily get a great meal and coffee for under $3.00 just about anywhere. Our family of 3 lives very comfortably in a large pool villa by the sea which we bought for $230,000 and it’s hard for us to spend $3000 in a month!

[@boglereid3192]

These chick's stating they live in Spain on that kinda monies are lying. Depends where and I GUARENTEE they have flat mates sharing these costs..lies

[@HappilyFrugalGal]

To get your teeth cleaned contact a local community college in your area that has a dental hygienist program. You’ll get the best teeth cleaning of your life for cheap. Probably $50-100 out of pocket! Problem solved!

[@BrianWaller-qe7gr]

I used to go to the dental school program where students did the cleaning and basic procedures. Less than half the costs of a regular dentist

[@AmandaHugenkiss2915]

Yeah no pity at all for those in CA who continue to complain. They all know what's up, they know there are 49 other states. This isn't the covered wagon days. Get in your air conditionerd $100K dually diesel lifted pickup and go across the border somewhere. I could never afford to live where I worked, if I wanted a nice home. So I lived aways away and commuted. Seems a lot of people think anything over a 5 min drive or walk is life-ending. I had 40 mile one way commutes for years. But my wife could stay home with the kids, we had a nice home, with a yard, in a nice safe area.

[@dougiekirkwood1654]

I'm a life long Californian, the cost of housing is incredibly high in most areas. Some of us live in the outskirts, where the cost of housing is a lot reasonable. For example I live 45 minutes from downtown sacrament in the Sierra Nevada foothills, which an absolutely beautiful. Homes in my area average about 450 thousand to own. Nice 3 bedroom homes. Also I built my home four years ago in a gated community for less than 250 thousand, so I know it's possible if your willing to work for it. It's a 2000 Sq. Ft. Home on a half acre. Stop complaining and find a solution. By the way the Sierra Nevada foothills are heavily republican. Most of us do not fill a part of california.

[@shrtblondie1]

Bought my first house in 1999 and it was 91k. Insane how much things have changed.

[@bigcahuna42366]

California was the place to live an ideal life in the 50s - 80s. The 90s is when it really started to go to hell.

[@icuyouseeme]

How is CA being ran badly? The high cost is due to the number of people wanting to live there due to the location and weather.

[@johnrpizzaguy]

I’m a 64 year old California native who does agree that we have huge issues ( it’s not the California that I grew up in) but you have to remember that 1/3 of Californians are not from California ( Nancy Pelosi is from Baltimore). 3 weeks ago I was in New Hampshire and Maine for a week and noticed everyone drove regular cars, here in the coast of California every other car is a Tesla,BMW,Mercedes (and G Wagons) Range Rover or Porsche but they complain about the high cost of living. In New Hampshire a nice house is $500,000 but where I live the average is well over a million. I own my house, don’t have a car payment and very rarely go out to eat. Oh one last thing before you bash on California from the Midwest what’s your heating bill and your cooling costs during the summer. Mine is very low and I get to walk on the beach here in Pismo.great video but I think that your generation puts too much emphasis on Vanity ( cars, clothes and especially stupid stupid things like piercings and really stupid stuff like Tattoos) what a waste of money that could go towards something that pays you back.

[@janetgentry1846]

$400 dollars for a dental cleaning is ridiculous. I paid 850 for a crown last summer. Rule 1 - stay away from franchises. They are owned by corporations. My dentist is on his own and charges $70 for cleaning and x-rays. I am in Tampa.

[@pokemon9839]

For self employed. Use the bartering system. The dentist needs a new roof and I need the dentist. No taxes or money transactions

[@Nimbhotep]

good point

[@gimcrack555]

@@Nimbhotep Bartering system will be much bigger, when we reset to digital currency. The only way we have control over the government tracking system.

[@JohnCash001]

I was born in 82 and those memories growing up were magical... Now things are pretty bad.. I see parents on their screens not even talking to their kids

[@marleneditrich7354]

I see people walking down the street, on their screens, not even looking what is in front of them. I am in small town in Europe. Everyone is zombified.

[@JohnCash001]

@@marleneditrich7354 Wow, would love to know what town that is..I know it happens everywhere but I always think of the city as where you will see it a lot more.. that's sad this small town is like that. Phone give a dopamine hit, people are addicted.. There is a great Star Trek episode it reminds me of..

[@mr.meeseeks2310]

Depends on where you are in Europe. Major cities are expensive. Low key countries and outlying towns are dirt cheap

[@Bluemortal001]

Sadly, we lost our patriotism starting in 2008 with freaking Obama when he was talking down about his own country and apologizing for the past From then on, it’s been a complete disaster

[@VernonMahoney]

omg the dental bit about "sorry we can't do that" had me like lkhdf;ghs;dirhg OMG I KNOW

[@raishei4021]

I took so much for granted back in the good ol days. I was never “rich” but at work I was buying coffee almost every day. I would get my hair done 3 times a year at most and I had enough money to buy myself clothes and once a week I would go out to eat with friends. Never would consider myself an over spender. But now I drink instant coffee from home, going out to eat would be picking up fast food to just get fries for my kids when we travel out of town to visit my husband who has to work away from us because cost of living is not affordable where we were at. I haven’t gotten my hair cut in two years. I don’t use makeup anymore, decent quality makeup is too expensive and groceries are much more important. Nowadays buying anything for myself gives me anxiety.

[@Mysteriouslydangerous-d6f]

There’s nothing to live for anymore. Zero motivation to wake up in the morning. Hard work gets you no where. That’s very demoralizing.

[@thealanshow25]

I agree. The women in the USA are horrifying, COL is insane, everyone’s rude and angry. It’s bad.

[@aprilrobertson8081]

I think part of the problem is everything has become so normalized that we just buy and do things with the thought that they are necessary and you cant get around it... like cell phones for instance. Our cell phone bill is 427 a month!! For 4 lines . Wtf..😢 but, its become normal to think qe NEED these things to live. So, we pay it. Im in my late 40s and i can remember thinking how ridiculous it was to pay 60 a month for a land line... so we literally didnt have a phone because we didnt think it was something worth the expense. Back then if it sounded expensive, you just skipped it..and lived without, but now we accept it and live with the burden of the expense.

[@georgedavid3815]

Our government is running TRILLION dollar deficits funded by deb and money printing, still continuing to this day.

[@sassysusie9243]

So, leave L.A... DUH! So obvious, yet she is steadily complaining. She thinks she is too good to live in a "lesser" neighborhood and she feels she is entitled to a garage. Lots of people in this country, don't have a garage. You don't even get bad weather in LA, why do you need a garage? 🤦‍♀🤦‍♀🤦‍♀

[@reginafisher9919]

In Kentucky and the United States you can get an extra large coffee at McDonald's for under $2

[@takarakujis1042]

Also owning a home over everything, In uk we have tax including landlord paying tax. we have massive rent ect. always buy home when you're ready.

[@StainleyLebron]

Now I understand why my father moved from The US to the Dominican Republic to retire. I paid 16 USD for cleaning without insurance 😅, by the way one of the most expensive dentist.

[@deepsea637]

Because there is a particular group of people that run our run our financial system on the down low, and our government is merely figure head....and don't get me started on medical....Greedy!!!

[@THETHIRDL2009]

Sadly it's not even on the down low. It's ran that way jn the broad day light and theirs nothing we can do about it.

[@cheryljohnson206]

Love the gal about 18 min in! Peach it girl! Great info❤

[@jaceksuski4193]

It's called socialism. Bankruptcy is always the end of socialism.