Female Financial Advisor Goes 60k In Debt For A BMW

[@Tony_Sab]

Proof that education isnt the same as intelligence

[@paprikaa117]

I always noticed the more degrees my sister got, the crazier she was She got smarter in her major, but seemed to lack common sense.

[@vhsninjaccoon7705]

@@MP-ut6eb No no big man, he has a HUGE point. He has a sibling --- a sister nonetheless, as a only male who was bullied by my sister(s) they did stupid things, despite them seeming smart

[@Gamez4eveR]

@@MP-ut6eb not bs. My cousin is on her way to receive a phd in German philology and she's a fucking worthless human being

[@NormallyImKim]

Unfortunately, people always confuse one with the other.

[@JWSoul]

100 percent but some people cannot grasp parts of education and so fail.

[@DAMIENloh1970]

The really rich person will not let you know that he is rich. He will constantly improve his skill on making more money and not how to spend them...

[@alexkace6620]

Damien Loh I make $122,000,000 a year, you are right. I own 1,000 franchises & each nets $120,000+

[@ReasonAboveEverything]

Solaris That is wealthy man's mentality. Don't spend needlessly. I know a Jewish man who deals with gold and makes big money. He never eats outside.

[@jtahoem]

@@ReasonAboveEverything Poor guy, afraid someone will steal his food. Come outside and enjoy your lunch by a stream before it's to late Jewish man.

[@ReasonAboveEverything]

Jim M. lol, or maybe he just thinks eating outside is major waste of money. But to each their own.

[@uranusaquarius7394]

I wouldn’t eat outside, too. I can’t let the food chains use the same tricks I used in banking/financing.

[@watzittuya1100]

These women seriously believe degrees are the answer to their problems.

[@watzittuya1100]

After years of debt and deficits, one would think that, institutionalization is not the answer. But, unfortunately, this is not the case. I wish more people understood that it’s not what you know, it’s what you do with what you know.

[@John_Smith100]

B U T I D E S E R V E I T

[@brittany1484]

I'm curious as to what you think the alternative is? If you want a white-collar job, you need a degree. A college degree is the new high school diploma. Employees now expect degrees for entry-level positions that didn't require them before. My mother is a housewife and even she has a degree.

[@watzittuya1100]

Brittany the alternative is (in general) showing up to work as often as men and actually performing just as good regardless of the job. If people were more worried about working towards originality for what they wanted as opposed to trying to find someone to give it to them, I believe that would be a suitable alternative. With the internet and so much info being available even to the majority, I find it increasingly difficult to believe that the average person is incapable of being unoriginal these days. It might take time but I believe that time would be more productive than spending years in some lecture hall learning about things one has no affinity or interest in.

[@a1-user]

It was for me, went from poor to working a great job with a degree +debt free, and it allowed me to save up for more education, so I’ll make even more in the future

[@Elokym]

A person once told me "don't buy one of something if you can't buy 3 of it". One of the best lessons I was ever taught.

[@mikelisteral7863]

i will get the taxpayer to pay for my BMW

[@saeedhossain6099]

Jaspreet on minority mindset for the win

[@cjwhite2631]

House?

[@Lordzeus86]

@@cjwhite2631 for a house (or anything that genuinely requires a loan) you should be able to afford 3x the mortgage payment

[@ChillinVinillin]

That’s a great point omg

[@ishitrealbad3039]

so instead of buying a house, she bought an expensive car while renting an apartment/house...... yeah, great financial advisore right there!

[@DpThaStunna]

All she gotta do is rent the car out for a couple weeks out of the month and it pays for itself and probably the apartment as well... that’s if she’s hacking like that

[@DpThaStunna]

But you’re right... definitely not smart/professional advice to be giving out

[@SoulDelSol]

@@DpThaStunna rent her car out a couple weeks a month? That doesnt make any sense

[@DpThaStunna]

Dan you’d be amazed at what the rates go for... look it up

[@AR-zq9hq]

You can live in a car but can't drive a house though.

[@dangeles95]

“I didn’t have my parents pay for my car”. Correct. You had the bank pay for it. Ha

[@maiyneboros6693]

Now she got no monies to pay bank.

[@jove1155]

Lol. I saw some guys just out of college with Lexus and such. I knew none of them had the money to ACTUALLY afford those cars, so it was either daddy or debt.

[@maiyneboros6693]

@@jove1155 you see that one where the dad bought his daughter a merc or lambo or some shit and she nutted out cause it wasn't the colour she wanted. I mean it hurts my brain!

[@mattzentz1048]

Wrong she had her future self pay for it

[@lonelydogclub]

Well I think she is not being totally honest here. The reality would probably looks like this: -Her parents paid for some of the living expenses -Her Boyfriend paid for expensive vacations -Her Onlyfans generates like 700 usd a month which she uses to cover car payment -Her sugar daddy paid for her expensive handbags / Clothes for 4 dinner sessions a month -Random dude gave her 100 usd on instagram for some feet pictures -She has 2 pay pigs that pays her 900 a month each This is why she is not at all worried

[@kevins3821]

"When you pass away, you're bringing nothing with you." Most Asians will laugh at her. In Asia, we try to make as much money so our kids will recieve some of it and -hopefully- invest those money to make their and their kid's life better. This is why some of my friend's parents don't spend too much on luxury goods, even when they're rich af.

[@porkerpete7722]

Yeah but you can't fix ugly.

[@lLxJLxJl]

I think most people would laugh at someone that is selfish

[@bluemoondiadochi]

@@porkerpete7722 poverty is worst kind of ugliness.

[@NormallyImKim]

@@bluemoondiadochi 100% agree. Some people living in poverty can't even afford water to shower. That is sure to be a detriment to their appearnce.

[@jebronlames7789]

She's only months away from spitting out 9 fatherless kids for the free money

[@A_Girl_named_nick]

My dad told me a great saying regarding this: "You will meet people who make a million dollars but they spend two million." As an adult, I have met MANY people who will not live within their means. I feel very fortunate for the lesson he taught me.

[@USA_UNITED1776]

I agree. But a problem many people do in the opposite direction is make a million but spend 20k. Buy within your means and save to not overspend, but don't underspend either. Your quality of life (and life expectancy which is also at play with food quality, gym memberships, etc) is one of the most important investments, don't neglect it

[@cobraerik1349]

Best financial advice you’ll ever get “live below your means”

[@shynepo4703]

People will always try to talk you out of it that yolo shit is bullshit

[@RandomGuyOnYoutube601]

I agree with that advice. Except she actually lives below her means. She has $30000 in debt but $140000 in various accounts. How is that living above her means?

[@redpillscience1288]

No it's not.... It's invest in yourself and have income producing assets outside of employment.... Leaving below your means is how slaves/drones think

[@guynumber3100]

@@redpillscience1288 "leaving below you're means is what slaves/drones think. That statement alone let's me know your horrible with money.

[@redpillscience1288]

@@guynumber3100 how much money do you have saved? Like i said slaves think saving alone will lead to financial freedom. It's plenty in China.... The finance industry pushes this to sell you products to save.... Meanwhile they use your savings to invest in things and enrich themselves. 😂🤣 Name one millionaire or billionaire who got there solely by saving lol.

[@NJGuy1973]

As my father said, any idiot can make a million dollars. It takes a genius to keep it.

[@NietzscheanMan]

Just curious, how many millions did he make?

[@Revv10K]

@@NietzscheanMan u ain't right😂😂😂🤣

[@dickmarx1298]

Yes! This!

[@user-jd5ot8ji2w]

I like that

[@wyattchiordi5132]

NietzscheanMan lol

[@KSneed9]

shit i graduated debt free, and im still whipping my 2007 toyota rav 4. Can i get an amen?

[@Weightingtablesafter]

AMEN

[@delirium1643]

Amen

[@cyberdiver7076]

If it works, it works yo

[@AmGlobul]

That’s nothing, I’m whipping a bicycle, what’s good

[@puzzledotgamer5461]

no you get a awomen

[@americanhealthcaresurvivor]

Wait, she's 24 and has 142k in her accounts? Yeah, she has a rich daddy, either biological or sugar 😂

[@ShinyBlackRims]

Good point. I made a similar comment. There is no way a materialistic and thotty person like her has 140k in investments and savings at the age of 24 unless she is lying or receives lots of money from somewhere. 80k doesn't go that far in California for girls like her.

[@Hammerhead547]

@@ShinyBlackRims She's probably a trust fund brat living off granddad's money or something like that.

[@notneb82]

@@Hammerhead547 No doubt that 67k account she doesn't like to talk about is the trust fund.

[@Hammerhead547]

@@notneb82 I'm pretty much 100% sure that all of it is trust fund money. No lower middle manager (which is exactly what she is) making $70k/y who drives a $60.000 BMW M3 and pays that much for rent a month before all of their other living expenses like food and bills has that sort of dosh left over to "invest" unless they're either selling dope on the side or they're embezzling money from their employer.

[@bathroomlabs1677]

yeah but its not alabama so not biological

[@Craig_C-8078]

I’ve had a credit card for 10yrs, use it like a debit card, and haven’t paid a penny in interest. Discipline is key

[@jvolstad]

Me too. I'm debt-free and have a 800+ FICO.

[@jasongutierrez2133]

Yeah I disagree with him on credit cards. The chase freedom is a perfect example of taking advantage of reward points. I used it for 3 months for strictly bills and received $200 cash back after spending $500. Always paid down the balance to 0 obviously. Graham Stephan speak a lot on how to utilize credit in a responsible way. I do agree with the purpose of the video though. My father flips cars for a living and has always warned me to never buy from a dealership. Alway a bad investment to purchase something that will depreciate in value every year.

[@Icedragon481]

@@jasongutierrez2133 If not from a dealership, where should you buy a car? Private sale? Genuinely curious

[@jasongutierrez2133]

@@Icedragon481 OfferUp, Letgo, Craigslist, local car auction. If you can bring someone who is mechanically inclined and has a OBD2 Scanner. That also will help when searching the used car market. The only problem here is you have to have the cash on hand. But you can most certainly find a running car ready for smog and daily use for a fraction of the price ranging anywhere from 1.5k-10k. Considering the fact that the girl in the Video has a BMW. I’ve seen 2010 BMWs with under 100k Miles sale for 6k at auctions & online. You just have to be willing to find them also keep in mind that this car probably sold for close to 45k out of the lot. Don’t go to dealerships. That’s just my 2cents.

[@Icedragon481]

@@jasongutierrez2133 I appreciate it man! I'm saving this for later! I made out kinda okay with my first car, I did go to a dealership and ended up with a 13 Kia sorento for 9.5k with 93k miles. Looking back I wish I had shopped around more so I'll use this in the future for sure

[@lazylonewolf]

Step 1: Graduate debt-free Step 2: Immediately go $60k in debt Step 3: Huh? HUH?!!

[@MrBrewman95]

And not even for the right debt. For a fucking car!!!! 🤦‍♂️

[@AutoSia]

@@MrBrewman95 And a freaking BMW. Those cars depreciate like running water.

[@macdonalds19]

Step 3: create a KZbin channel in a desperate attempt to justify to yourself that you “do big business” and “not impulsive”

[@peat1726]

Profith

[@janihuhtanen8289]

Cue Gru meme

[@jonahhekmatyar]

Financial advisor: "yolo" Lmao what a joke

[@lifeisactuallyveryboring.7771]

@Airhawker This isn't Reddit.

[@timmcculty2320]

joke?..........i think you misspelled strong and independent woman who is also stunning and brave.

[@matthiasmoers2799]

Yolomode

[@Truck-kun_01]

@@timmcculty2320 is this a joke as well.

[@kfarm3858]

@@Truck-kun_01 it has to be 🤣 I hope

[@rodimusmaximus3912]

God this is scarily familiar. One of my (former) friends from high school just got a divorce from her husband who works 65 hours a week welding because "she does most of the work around there." She got custody of the 2 kids (of course) and decided the best thing to do was go and buy a brand new, fully loaded Kia Telluride. She's a floor associate at Walgreens by the way.

[@SunRise-ul7ko]

My wage is half her wage. My house is fully paid off. My investment income is more than my wage & I fully own my brand new car, that was half the price of that BMW.. Best financial advice I can give you. Don't have a wife.

[@mayorbeetlejuice4841]

And don’t go to college if you’re just gonna get a 40k job and be 100k in debt, waste taxpayers money, or get useless degree

[@berserkbaahu2187]

@Bob Scrotum what's trade school?

[@mayorbeetlejuice4841]

Berserk Baahu trade school is college but cheaper and better; instead of learning theories on how to do thing you actually learn how to do things. The jobs you can there are better than college jobs bc the good college job you need the best degree to get in their and you have lots of competition which mean you go more in debt for a job that has a low hire rate but have so much people applying to it that they don’t make it they go broke and are in debt have bad jobs. Trade school is not as popular since they don’t put propaganda to advertise themselves as college. Colleges needs people to go in debt so they get more money and buy pools and stuff so more people would go there and they get more money it doesn’t matter to them if people go into debt because of their propaganda because all they want is the money.

[@kristapsjj8520]

What do you invest in, if it is not a secret?

[@SunRise-ul7ko]

@@kristapsjj8520 a range of growth & dividend stocks.

[@Froddofromtheshire]

Living in LA on 80k a year is basically living on 40k a year everywhere else.

[@DrugTalkTV]

I want to know how she apartment is so cheap to be around $725 in Los Angeles?!

[@imrankh68]

@@DrugTalkTV the simp pays the other half and total utilities, that's how

[@DrugTalkTV]

@@imrankh68 lmao, yep.

[@dereckandre3485]

@@DrugTalkTV They exist suprisingly. I live in a 750 one in San Diego and I am a regular guy.

[@joeman123964]

so true. she isn't rich at all. i make 70k in georgia now that's really good money. not rich, but I'm very happy with it.

[@shawnblack]

She’s a warehouse manager but drives a BMW to pass herself off as business executive go figure🤷🏽

[@channell11]

It's all about appearances.

[@shawnblack]

@@channell11 yea sadly it is

[@chris-andrebrissett5208]

Would've been FAR better if she bought it years later after gaining more success.

[@shawnblack]

@@chris-andrebrissett5208 exactl if she had even gotten a used Toyota corolla would've been a smarter economic investment can't lose on that

[@Allopientubefish2]

@@channell11 could've bought a used car smh

[@SonicdaShapeshifter]

I like how her "saving strategy" is literally to just use anyone else's money and go into debt for instant gratification

[@chenyitube]

Some guy who drives a Tesla making $100k with $500k debt please marry her.

[@williamfoxx3277]

😂😂😂 great idea

[@DigitalYojimbo]

Divorced in less than 1 year, because he's bad with money.

[@bluemoondiadochi]

@@DigitalYojimbo after she takes half of what he owns in a court....procedure....

[@petersigurdson618]

@@bluemoondiadochi But he will have the last laugh as he doesn't have anything.

[@bluemoondiadochi]

@@petersigurdson618 "HAH! NO U!" moment! Love it! XD

[@TomassHole]

She's still in "the honeymoon phase" of that car too. As soon as the warranty is up, those repairs are gonna ravage her

[@quietstorm6553]

Nah dude. It will be traded-in b4 the warranty lapses, so she can get another new car.

[@oz-ng4tl]

She will be ravaged again, and again, and again(Gladiator reference) lmao

[@lordrefrigeratorintercoole288]

As an European i confirm BMW and Mercedes are the least reliable cars with the highest service price. As you might know BMW stands for Brakes Many Ways or Big Money Waste.

[@hero0fqower]

@@oz-ng4tl I AM ENTERTAINED

[@FifinatorKlon]

@@lordrefrigeratorintercoole288 You forgot about Romeos lol.

[@deliezer]

She doesn’t understand her BIGGEST risk - losing her job in a recession- like THIS one!

[@easylife6348]

she for real lost her job?

[@heyhoe168]

Her job is to be a female. She is not loosing this job anytime soon.

[@heyhoe168]

@ⅰи∂ㄩㄅ360 yep, that was my point. You can count simps by measuring overbloated ego of female. This one has bigger than overage ego, so....

[@90AlmostFamous]

ⅰи∂ㄩㄅ360 Yea she’s gonna be bailed out by simp anyways, that’s why she buys a 60k car

[@keychain3039]

@@heyhoe168 that statementis fucking stupid. Everyone is at risk to lose their job regardless of gender.

[@dejamike88]

My son went thru med school without spending a dime of our money by applying multiple loans and grants (same one that this video has mentioned), worked as a busboy to pay for other monthly expenses. He just graduated and is making pretty good money (well over 6 figures), but he is still driving the same Honda Civic that we got him back in high school. Also, he doesn’t know much about investing, as a matter of fact, he just asked me to help him to choose an allocation for his 401k (I am in investment banking for almost 20 years). What I’m trying to say is although my son is not an “investment guru”, but I think he has way more financial sense than this young lady.

[@jimmyglea]

“Live in the moment” is the dumbest statement, ever. Good luck eating that moment when you’re 65.

[@chrisn2125]

Love it. I’ve heard so many women say this statement. That and living my best life 😂🤣😂🤣😂 What a joke!

[@badralsharnuud3433]

Maybe she wont make 65

[@Truck-kun_01]

Good luck living under a bridge

[@mrkiky]

Let me fix it for you: "Plan for the future but live in the moment!" Dunno how that makes sense, but it sure would work as some shitty inspirational quote to grace your cancerous Instagram feed!

[@bluemoondiadochi]

@@mrkiky Underrated comment

[@Cloud_Seeker]

So she graduated debt free because the tax payers paid her education, so now she gets a car for what she should have paid. So basically. The Tax Payers paid for her car. Yeah, she is not a good Financial Advisor.

[@Saxophonegirlforever]

Actually, if you watch the full video of her, you'll see that she did paid research opportunities, had fellowships, scholarships, worked at the library and worked as an RA. She wasn't just "given" most of the money from FASFA

[@graceira6693]

AT 3min44: "The majority of Wendy's college were covered by FAFSA". So technically she was given most of the money by FAFSA according to the original video.

[@graceira6693]

*college costs

[@Theproclaimed]

I mean…. She pays taxes too doesn’t she Just pointing out that she didn’t get a free education considering how she’s a tax payer She’s still an idiot though

[@krunkcleanup2949]

If she can spend taxpayer dime like that she would make a great communist dictator though

[@ElliottNest41]

“I hate the monthly payments...” Good Lord, I can’t imagine someone saying that and thinking they will be a financial advisor.

[@secretly_obamas_boyfriend]

To be fair a car is a good credit building loan when it is a reasonable price. A nice used 2 year old Mazda for 20k would be fine financed. I personally am driving a 2005 Mazda 3 I bought for 3k with 185k miles on it now and a engine with 75k miles on it i bought for 3.5k and a brand new transmission i bought a 3 year ago for 4.0k. I mean altogether it was about 10.5k, but it should last another 10 years. and i have been driving the car for 7 years. paid straight cash for all the parts and all the labor. It sucks my car had issues, but at the end of the day oh well.

[@sidwhiting665]

No one said she'd be a GOOD advisor. Plenty of people make their living giving bad advice to people too clueless to think for themselves. Just look at all the KZbin "experts".... *wink

[@no-bozos]

I am a "logistics supervisor". Which means she doesn't have a discernible skill set, and has merely marched in place at the company she works for until they gave her a middle-management position. She adds nothing to her company other than being a mouthpiece for the agenda the executives she works under. That way thay don't have to bother repeating themselves.

[@TruthDoesNotExist]

exactly, that's a dumb person job, My girlfriends father is a "logistics supervisor" and he is genuinely the dumbest person I've ever met and that's not even an exaggeration. Not exactly a "career" thats going to lead to MIT or something like that

[@9krio]

As a logistical supervisor I vehemently disagree.

[@no-bozos]

@@9krio - Because YOU probably have skills that make THAT JOB necessary.

[@ThomasFoolery8]

She’s a double minority so it’s one of those fake jobs they give quota hires like her to stay out of the way and make the company look more diverse.

[@mikesteelheart]

I'm surprised she even cares about owning a BMW. Most young women would rather spend 60k on makeup, clothes, massages, and a haircut in one month if they could lol.

[@joekaijuabrams244]

LMAO 😂😂😂😂😂😂😂

[@mikesteelheart]

@M. Di Federico Sounds like you have to be a millionaire in order to have higher status than girls fresh outta college now lol.

[@connor6564]

@@mikesteelheart basically. as a man goes through life and stacks his money up his value increases. the girls fresh out of college now look good but their value decreases quick as they get older

[@paigeheartly8936]

mikesteelheart and what’s so bad about that if we earn that money ourselves?

[@younglove3362]

You need to learn more about women. She's at least a 7 or 8 out of 10 and doesn't need much makeup. Also, she's a chamillion trying to impress the high end money making guy with her skill and luxury so that he'd lower his defenses thinking "oh, she matches me financially and would probably add more finance to my goals and improve it, plus she's has no reason to gold dig me." Women are impulsive spenders. They would buy expensive cars, clothes, jewelry, and other luxury. All of this comes before the make up. The makeup is to fool the guys.

[@anthonysanchez5429]

This video aged very well considering the corona virus most likely tanked all her investments.

[@ThinkBeforeYouSleepYT]

Yes it did.

[@jrt2792]

It did??? She got wiped out??

[@FamousFelix08]

@@jrt2792 No it didn't... market pretty much rebounded by now.

[@CoolnesXcore]

It really didn't...

[@DunceCapSyndrome]

o l Yeah it did. But, we’re making the assumption she didn’t panic sell. Which is a possibility.

[@nodcarillol.6550]

BMW: " endless money pit" Scotty will smack you .

[@sunnyraj4564]

Good reference! Lol

[@alvinolala9822]

I can just imagine him saying how stupid a decision this was. He often talks about cars like BMW being for really wealthy individuals who can afford to get rid of them after like 3 years and they often lease instead of buying. I don't believe she's already wealthy.

[@marks-0-0]

Imagine is she was Scottys daughter! He'd disown her 😅

[@Muaythaifighter1000]

Some things you just rent and never own because if something goes wrong with it you're not footing the bill completely. Her car is one example, however she should've been making 5 times the cost of the item to be able to afford 1. A 5 to 1 ratio on items you want is a good way of managing expenses.

[@vincecruz8410]

🤣🤣🤣

[@derekfutrell4908]

CNBC is constantly spamming my Facebook with stories about people making 100k or more without special skills or education. It’s really annoying

[@mph5896]

My sister once told me, "you only live once". Poor girl 20 years later doesn't have 2 nickels to rub together.

[@jellyrun1]

It does not mean anything . You could apply this for any reason , you live only once so keep your shit together , Sound s legit ?.

[@MrJaman0083]

When you have nothing there's nothing to worry about.

[@akakiki4111]

The real question is.. is she happy?

[@oumardiop1]

@@jellyrun1 you only live once so loose some weight lol

[@mph5896]

@Roberto Mundo Those crappy cars paid my way through college, and have me sitting quite well financially right now.

[@rebelrali2758]

I'm convinced you're incapable of making a bad video. I'm a female and you have no idea how educational and helpful your content is for me. Much love and respect ❤️

[@Thegentechgamer]

Nice username lol

[@Naz34452]

Agreed. I'm only 13, but this type of knowledge is the shit I would die for. There's so many different things that I've learned to do when I become an adult

[@delledaye2035]

Yup I agree.. his words are harsh sometimes but real nonetheless

[@lustiferius]

I love his videos too!

[@lustiferius]

@@Naz34452 CHADDDD

[@louiewatson9389]

If I had a ATM between my legs I'd be buying a $60k car too.

[@SomethinAintRightHere]

she could have bought that car used for 5-6 grand, what a moron

[@tagert1975]

@@SomethinAintRightHere A cheap used BMW isn't even cheap if you can do the repairs yourself. She would spend more on repairs each month than the car payment because she doesn't appear to be the type of girl that can turn a wrench. Even simple repairs on BMWs run four figures at the shop. Now something new or used that is more sensible is saving money, but that same sort of car used isn't unless it's only a couple years old in which case it's not 6 grand but maybe 40.

[@SomethinAintRightHere]

@@tagert1975 I know first hand the repairs can add up to more than the purchase price.. beemers are shop queens. get a reliable, inexpensive car and be done with it. all this showing off is what kills people in the end

[@donovanmahan2901]

@@SomethinAintRightHere Famous last words: watch this!

[@MOON-zo3ik]

That’s ducking gold comment 😭😭

[@kevinwasilewski9754]

im sure being hispanic did not have any bearing on her receiving all that free tuition. Live BELOW your means and you will always be fine. I'm turning 50 soon and just bought my first "brand new" vehicle two years ago and it was a low end pickup truck for 21K

[@Hammerhead547]

I'd be willing to bet that she was one of those students who consistently over over borrowed and wasted the extra money on "having an authentic college experience" of the sort she sees on TV and in movies where students get to party in miami on spring break and "go backpaking in europe" every summer.

[@stephaniecoomey2356]

Cool dude so you’ve been broke your whole life? Okay?? Lmao

[@JS-mg1mk]

​@@stephaniecoomey2356Living below your means is the opposite of being broke

[@ZontarDow]

I drive a 98 Corolla, it costs me less to maintain that for a year then it costs her to change her oil.

[@Zanatos9]

Yep my 06 Golf Diesel runs like a champ. Bought it $3k cash 5 years ago. Change the oil twice a year, about it.

[@RegionalRadioShackManager]

The problem is not what you drive or how reliable it is. Where are you in life? Can’t brag about your rust bucket if you’re just as dumb as the chick in the video

[@ZontarDow]

@@RegionalRadioShackManager Who needs to brag though?

[@Zanatos9]

@@RegionalRadioShackManager I have a rust bucket. College girls are happy they aren't taking the bus

[@Last_one_before_I_go]

Truth. My Oldest son was a BMW tech for 10 years - I heard so many horror stories and the clients costs...they're honey traps, thru and thru. 5 years back I had an MBZ I held only thru the warranty period, I knew it would suck my wallet dry soon enough. Bye bye MBZ, enter Toyota...

[@weissblitz100]

She's been gifted money, inherited money or does 'extra curricular' activities to have that much money "invested" at that age right out of school. Not all of us are that lucky. This does not make her a good investor if you're just rich.

[@robertwarner1160]

she has a sugar daddy

[@alphaweeb5195]

@@robertwarner1160 the government?

[@honkhogan21M]

Entitled

[@Sphinx26]

Exactly! Like how the fuck did she qualify for FAFSA. Those investments make NO sense from what she makes even over a 5 year period.

[@owlmaster1528]

@@Sphinx26 Find my comment with ctrl+f and my name and you will know why they make no sense. If you can't find it just send me an e-mail, I have it on my profile.

[@geo-uv9pq]

So she's a warehouse manager and thinks her income can only go up, delusional, there is probably a computer program being developed that can do her job if it is not already here

[@tramachi7027]

The first jobs that will be replaced by computer fully are warehouses and managing. Because in both you only need speed, reliability and computing power. No single human emotion or other what makes us important in many jobs as of now. She is literally the first that gets replaced by an automated warehouse Tesla is definetely gonna do when its ready enough. In Germany some bigger companys (Like Rehau) already have high storage facilitys fully automated. From the almost automated production off the bumpers (yes they produce bumpers for Merc, BMW, Audi) They get either directly hauled to the car manufacturers or are being hauled to the intern stirage facility. Dudes unload it and the machines sort and pack it away.

[@domschra]

Afaik there's already an AI in testing which can replace quite complex jobs by observing the worker for some months, and then "imitating" them

[@legerdemain444]

I have friends who got logistics managers jobs for sizeable companies with no experience or qualifications. They just gave decent interviews. It's not exactly a hard job to do. Nor has their income "only gone up"

[@Ballin4Vengeance]

So... her job is probably being replaced by a computer everywhere in about two years. And she works in one of the most innovative companies in the world. Stable as my mental health.

[@oblivionsa7973]

@@domschra Sounds like what they do with offshoring, only with humans in Bangalore instead of robots.

[@Spined1234]

"Graduating debt free was amazing, so I decided to reward myself by going $60k into debt for a car!"

[@deathblade909]

Like Dave Ramzy said, never buy something just because you think you deserve it.

[@painrelief3441]

Exactly. There are some things I kinda disagree (such as how much you should have on baby step 1), but if it's sound advice, you shouldn't argue against it.

[@Brian-vk1hm]

Dave Ramsey is a loser.

[@enviping]

Her: I'm financially stable! Corona: sup.

[@oshaneferguson3375]

"Allow me to introduce myself"

[@peacewalker1984]

🥳

[@Shaolinof36thChamber]

Rona: "You're broke. I'll show ya!"

[@dynamichunter843]

I used to think you needed a 3-6 month living expenses emergency fund, then gov lockdowns from rona hit and we’re in month 7.5 of “two weeks to slow the spread”

[@u2ooberboober]

@@dynamichunter843 yup the pandemic threw that whole idealization out of the window. You need 3 times that amount as a cushion to make it through the initial 6 months then through the realization it’s not ending and job isn’t coming back anxiety and finally through the acceptance stage of having to wait it out while trying to find replacement work to attempt to build up the lost savings.

[@goofies_by_association]

i hate when people say “i/you deserve” 🙄

[@polyphonicmonkey9797]

Robert B. And happy wife happy life

[@count7340]

I reply with, 'What did you do to deserve it?'

[@maonyksmohc9574]

no human ever deserved anything, but nowadays we have a hell of a lot entitled bitches

[@Abhinav99922]

nobody deserves anything-Milton friedman.

[@dancingmadman2340]

You can’t save money with a woman. All that you save should be spent with on her clothes and make up even if she has over 70 outfits. 70 outfits wasn’t an exaggeration

[@disasterzone5143]

Great name for your channel,for 90% people you cover its their mantra. Loving your work mate, informative & entertaining

[@bw5187]

She traded college debt for a depreciating asset. SHE LOVES THE BONDS OF SERVITUDE.

[@oz_jones]

Also, "living in the moment" is literally the opposite of investing.

[@Kenfren]

@@oz_jones also the opposite of common sense

[@mrkiky]

Remember kids, if you're not in debt, it means you're not living as well as you could be!

[@danielbyrne5402]

At least bmws don't depreciate as fast.....

[@touatiamir7592]

she crippled her self with that car and now she want to travel free with some sort of credit card trick ok

[@michaelvandevusse3728]

amir touati she’s like my mom and my uncle getting cars that are too expensive that they cannot afford. It’s so fucking stupid. I guarantee she will make dumb purchases like this again

[@sido5857]

Shorty bought a BRAND NEW CAR, shows me she knows nothing about finances.

[@chris-andrebrissett5208]

Plus it wasn't cash. Also high reliability issues + insurance + etc will drown her. Ego and desires kill folks. I'll keep my 20+ year old car till the wheels fall off

[@bennynguyen176]

@@chris-andrebrissett5208 Holy cow, 20+-year-old!? What car do you have there? I'm guessing a Ford truck?

[@chris-andrebrissett5208]

@@bennynguyen176 maybe that was more of an exaggeration haha but it is a Lexus is300 from 2001. Runs like a charm but it’s getting work done after a hit and run

[@martinlopez2816]

@@chris-andrebrissett5208 damn you still have your truck? What a fucking legend! 😎

[@chris-andrebrissett5208]

@@martinlopez2816 *sedan. Quite a lot of old cars today are pretty bulletproof and go beyond 150,000 miles when taken care of. Waaaay better than buying today’s computers on wheels. I’m currently at 276,000+

[@leoalphaproductions8642]

This is the equivalent of an economist saying “don’t worry, I’m an expert. Now spend spend spend spendy spend spend!”. Liberal economics 101.

[@SilentButDudley]

Financial advisor that doesn’t know a BMW depreciates like there’s no tomorrow 😂

[@bighands69]

I do not think that is important but her buying a vehicle that is near her salary is madness. I would assume that her and the partner have combined finances and the debt of the car is not as big as it appears and she was able to save that money with her partner.

[@Aerolyte]

That doesn’t bring into account maintenance for a BMW which is not cheap. Granted BMW are nice cars, when they work but every car will need maintenance at some point and BMW are no exception

[@JohnDoe-ce4qm]

@@Aerolyte a family members fixed bmw was leaking oil.

[@chilliecheesecake]

@@bighands69 Of course it's important that the car doesnt plummet in value if you're gonna be calling yourself a financial advisor.

[@hgonz14]

@@Aerolyte true, if someone wants a w they should lease it and take it back, the maintenance and coat of ownership will be more expensive in the long run.

[@MetalloDevasto]

she only got hired to pump up those diversity quota for tesla... Ms. Wendy "Minority" Gonzales.

[@Ashendal]

I doubt she actually does anything there and it's men actually doing the work while she wanders around during the day pretending to do something. Most of the diversity and quota hires I've worked with do nothing because even if they have a degree it was just given to them like the position was and everyone else has to pick up the slack while they do nothing and think they're important.

[@AnonW]

y u think Tesla is always in debt and never making a profit? Coz they have 2 many diversity hires like her lol.

[@hockeymasktime1918]

Muy guapa for Tesla!

[@brandonkelbe]

Ashendal what you really mean to say is like everything I’ve seen, they don’t have to do the work because they know they can’t be fired.

[@loganmcauslin9430]

@@Ashendal She supervisors goods coming in and out of warehouses/storages, I.E "Logistics". The title isn't there for special points, it's there to distinguish it from supply, which is a different type of goods management. It's a worthwhile, legitimate job and you do generally need a degree because they teach specific computer programs and procedures. But she's horrible with her money. That's about it. A smart person would invest more and spend less on "luxury" cars, I.E her boring BMW

[@timteller1400]

this is like an african giving advice on how to shovel snow

[@hood4200]

Lmfao! XD

[@South_China_Sea_Yacht_Club]

Tim Teller or on how to build a functioning country

[@South_China_Sea_Yacht_Club]

Brother BaHaShem oof seems like I hit close to home. Apparently Europeans were the only ones to steal resources from another group. It’s not like every one did it including Africans to other Africans

[@dandrivingthewhitevan6072]

It does snow in Africa.

[@robt3407]

🖕🏾

[@drifter139]

in high school, I took financing as my elective and one of the things we learned was that some things are important and that if you can, ask if you need it or if you just want it. if you need it, then buy it. if you just want it, then chances are it isn't vital to your everyday life and can wait. her buying that BMW is the exact definition of having zero impulse control and likely to see a new car in 5 yrs that cost the same amount and deciding her current car just isn't good enough anymore

[@BalHarry]

Cheaters will be cheated. Credit card companies already won, making her think she is winning. There is always a bigger fish

[@mayorbeetlejuice4841]

Who in the right mind would pay to use their own money and let someone else take care of your money

[@elmateo77]

"I worked a few hours a week in the library for $12.50 an hour... and got $50k for free from big daddy government."

[@vinnie19971]

"You don't take anything with you to the grave, so why be cheap." But, what will you leave for your children or grand kids? Isn't that what we work for later in life? To build a better life for those that come after us? It's called a good legacy, right?

[@Alaskanman]

It’s that kind of mentality that has lead america to its miserable state. The kids after gen z and later on will suffer even more

[@evianarsenio9146]

Bold of you to think that people now a days care about anyone else other than themselves, or that they want kids or responsabilities at all.

[@n.g.s1mple29]

To be fair she may not have kids.

[@javajav3004]

boomer mentality

[@zohramartini9425]

People dont have kids anymore... They think the world is overpopulated so its YOLO for them I guess

[@erosion2205]

80k in the bay is like 20k anywhere else.

[@Shortyshrew]

The best financial advice is to avoid debt. Don't give your money away. Invest it and pay for things in cash. Live frugally and be a minimalist. You'll be infinitely happier when you realize you don't need things (or women) to make you happy.

[@shah1668]

exactly. making loans for investment are suicidal.

[@corentinc.948]

You are correct!

[@sm4sher45]

MGTOW for life, brother!

[@JohnSmith-jv7st]

I'm an accountant, trust me when i say this that MOST people that drive luxury cars CANNOT afford them. I cringe internally whenever I get a client that leases a car they can't afford and gets a mortgage they can't afford.

[@carultch]

If only the people who could afford luxury cars were the ones to buy them, would the luxury car companies even be able to sell enough volume to stay in business?

[@mojus2890]

That must hurt, watching so many people screw themselves in front of you.

[@raulw858]

I bought my car for 5k cash like 2 years ago, and have put about 1k into repairs. No monthly payments, no interest. Saved like hell and paid the whole thing at the dealer. Best choice I ever made

[@Hammerhead547]

@@carultch The high end new luxury car market (brands like audi, porsche, cadillac, mercedes, bmw, maseratti, range rover and jaguar) is actually a relatively low volume market because the sort of people who buy cars like that new almost always have their financial shit together and will make the deal work to their benefit by having a high value trade in and a large down payment so they can eliminate as much of the overall cost as possible and whatever remains is easily financable because they're basically paying off the difference and taxes/fees on the purchase. New luxury car sales only account for about 7% of the market. As a result of this the vast majority of luxury cars on the road right now are on average somewhere between 7-12 years old with the median age being about 10.5 years, and after about 15 years most cars of that type are basically worthless either due to age or in most cases mechanical neglect (because the 2nd/3rd and 4th owners couldn't afford the routine maintenance on them) That's why when yoiu drive by one of those sleazy dirt lot "as is, how is" used car joints you'll almost always see a row of old BMW's with a few mercedes and maybe an audi and masseratti or two all advertised for less that $5000, it's also why you see so many obviously broke losers driving around in cars that they obviously couldn't actually afford unless they got them at one of those places.

[@iSOBigD]

@@Hammerhead547 I'd be interested to see the stats on this. Of course more affordable cars means more qualified buyers, but plenty of well off people get there by not wasting money on new cars. I'd gladly pay 1/3 for a high end fully loaded 3 year old car, than the same price for some new entry level one without any options, or 3x for the same car with few or no updates.

[@Eaglejake]

"I bought a BMW after graduation" Code for: "After graduation, I now make $720 per month car payments.....the same as my rent".

[@oz_jones]

Pretty much.

[@iDayVids]

Love when materialistic girls brag about their beamer or benz. Like thats cool. No one cares, you look dumb thinking that brand makes you look any better. It actually makes you look pretty dumb. The car will depreciate to less than half its value within 5 years. Leaving you with a worthless unreliable car thats now worth less than you owe on it. Buy a corolla or camry, and youll be chillin. Nothing more luxurious than having something that is reliable.

[@channell11]

I'd like to know where she's finding 720 a month rent in Pasadena-that's not a cheap place to live.

[@TheRockLobsterMafia]

@@iDayVids exactly always buy Toyota. If you can afford it and want more luxury or performance then cop a Lexus, since it still has Toyota reliability. Can almost never go wrong.

[@iDayVids]

@@channell11 probably splitting it w roommates

[@miserablew1zrd916]

Best advice my grandmother told me and I still use it to this day. "If you can't afford to BUY the item you want, then you don't need it in the first place." Now that I can, I still use this method because it keeps me from being an Impulse buyer. Thank you Grandma!

[@andrewc4606]

My Grandmother said the same thing to me, and it was the best financial advice I ever got.

[@miserablew1zrd916]

@@andrewc4606 God bless the grams!

[@Kevin-cy2dr]

Very wise words,it really opened my mind.

[@arrozconmgtow5026]

People who end every....single...spoken...sentence with an uplift as if they're asking a question bug the ever living crap out of me! I hated this woman in one sentence...new personal best.

[@Naturestheway]

I work a nasty fat thigh thot who sounds way worse than this one. I actually feel sick at times. I'm going to get away from females before i die 👍

[@symbungee]

You would hate Australia then. Everyone speaks like that here.

[@hengineer]

@TomeOfBattle no,.it's a way to add a semi question to everything, especially if trying to make a statement that she has to back up, so she can back out any time she wants.

[@carultch]

It makes people sound like they don't even believe or understand their own statement. Like they have doubt about what they are saying, and they are seeking your reaction to validate it.

[@310shadow310]

She must be renting a bedroom with roommates, no way she has anything bigger than that in Los Angeles, not even a studio apartment...

[@TheRockLobsterMafia]

Lmao her ass is probably back home with mom and dad because of the pandemic.

[@tdotsmooth]

Combine that with the fact she's only making 80000 a year which in that area of the country is nothing

[@fryone]

I bet she forces her boyfriend to pay rent because she's the future CEO lol

[@westcoast6162]

She pays as much as her 7-8 hundred a month car payment...yeah she's a broke ass living in a garage!

[@mrkiky]

It literally says in the video that she's paying $1795 for a 1 bedroom apartment together with her boyfriend.

[@clearasil11]

A financial advisor doesn't have car payments xD

[@urbosasfurry2126]

I know a couple of financial advisors with ridiculous debt.

[@Eternalwarpuppy]

A good financial advisor can easily earn more then the interest rate of whatever car they buy with the money they would have spent on the car.

[@Justforfun-ek7et]

You make me feel like I’m a really shitty person. 😂 I’ve made all the great mistakes. New house, new vehicles, student loans… but I’m taking heed to your warnings good sir. Thanks for laying it out straight! Everyone needs a friend like you to shit all over our stupid ideas so we know how stupid they are.

[@mojus2890]

None of that makes you a bad person, it just means just what you said, you made some mistakes.

[@JetAgeOfJR]

U good bro, as long as ur not delusional, blaming your mistakes on other stuff, your hood dw

[@Justforfun-ek7et]

@@JetAgeOfJR thanks for asking amigo, definitely not delusional, just made all the mistakes and learning from them. It’s a tough process but it makes me stronger. Can’t learn or grow without mistakes.

[@boondoggle4820]

“People who can’t put a hold on their desire will always end up broke” That is so true. I see a lot of people with this impulse control issue who are basically like addicts with varying levels of practical functionality, but it all comes down to an inability to put a hold on their desires. You have to have a point at which you simply stop spending. You have to set limits and have constraints in mind before you even start spending so that you can enforce them and stick to them to maintain financial discipline. Enjoy yourself, but set limits and stick to them, and never put yourself at a longer term financial disadvantage to satisfy short term impulses.

[@noble20xx56]

I'm practicing this shit at 21 man.

[@FourFourSeven]

@@noble20xx56 _"I'm practicing this shit at _*_*21*_*_ man."_ Why the hell doesn't your comment have at least a hundred likes already....?

[@LeBronyaJames]

Amen brother. The only thing that matters is a house, food, essential number of clothes and clean water. Everything else, just get the best value and save the rest

[@jardeekempton8352]

So true. I live by the rule that you can't spend money you dont have.

[@tylersoto7465]

Unless your God then have at it lol

[@robertmaxa6631]

I like what this guy says. "You deserve a $60,000 car, when you can pay for it cash". The wisest words, I've heard this week.

[@Ratherniche]

Goodness, I'm so glad a woman is talking about investing. I forgot that free markets require you to state your sexuality, gender and ethnicity when you are buying 206 shares of Tesla stock.

[@randomlygeneratedname]

I really stuggled with that bit

[@branonmack]

I want to see a followup video of this girl in 15 years. That will be a good story, and probably a great life lesson.

[@legerdemain444]

At first I thought she said business analyst for Tesla which okay I can see how you'd maybe have some financial background to be a financial adviser, but holy fuck she's just a logistics manager. I have friends who got the exact title with zero qualifications, they just gave good interviews. This girl makes me angry, she has no right to be giving advice. I am a business analyst for agricultural based businesses, my job includes giving financial advice (within my field) I also graduated debt free but I did that by studying by distance part time and working full time, living dirt cheap. Never got a scholarship or any benefits. Every car I owned I bought upfront, no loans. However I would not dare to give financial advice to average people because I'm not qualified enough to do so. She's the living embodiment of "I got rich somehow, buy my book and you might get rich too" minus the getting rich part. I would love to see her investment portfolio now that COVID has hit.

[@ThinkBeforeYouSleepYT]

Yes people keep saying this video aged very well.

[@ninjablack4347]

can we just admire you need a UCLA degree for most of these positions?

[@ninjablack4347]

@Mojo Jojo oh shit she does live in LA, that basically like 24k a year in an average city

[@fryone]

Hey remember guys, if she goes to a business school her ROI is going through the roof! Lmaoooooooooooooooooooo

[@shockerstevi]

The creator of this video is my new hero.

[@adamfox1669]

Yeah, financial advice from a 24 year old ditz? Hahahaha. Great post man, I needed a laugh

[@janherfs3063]

Nothing is guaranteed for tomorrow, sure. But tomorrow still is very likely

[@kenrose2523]

I already know this girl is getting cash from her parents or a sugar baby/daddy.

[@Ashendal]

It doesn't even need to be sugar daddy or family. She's decently attractive so she has a bunch of beta orbiters who take her out and pay for everything hoping for a whiff of pussy. It's not going to sink in that she's living life with cheats enabled until she hits her early 30's and all the free stuff starts drying up as the male attention shifts to younger women.

[@michaelcap9550]

@@Ashendal Yes,. The wall is fast approaching.

[@raygoza91c]

That BMW basically belongs to taxpayers.

[@AzraelFPV]

More or less. Gotta love the shit welfare enables.

[@PajamaOperator]

thats the banks car lol

[@Bartlett152]

You’d be 1000% better off listening to Dave Ramsey then this chick.

[@mochaeunice2202]

Who Dave Ramsey?I olny know Borden ramsey(from tv and KZbin)

[@pankakotakismegalomavropou3355]

Listen to Sam Hyde

[@user-hd8ej8yx9p]

@@mochaeunice2202 Gordon Ramsey?

[@badralsharnuud3433]

Yup dave ramsey is just an old boring guy with 2m subs

[@gteixeira]

I graduated without any car. In fact most of my classmates did.

[@AJ-gg6db]

"Believe it or not, other people around you do have intelligent things to say" Love that last statement... so true and so easy for the ego to dismiss

[@TSPH1992]

That's how you learn and move forward in life

[@wogeibe]

My father always complained about how cheap his father was growing up and how he had never bought them anything nice. When his father died, he got to see how much money was left in the bank account for his mother to live off of. Thats when my father had respect for his father's frugality and he commented that his father did pretty well for a milkman. You may not be able to take the money with you, but it will be the last thing you do for your kids and the last memory they have of you.

[@carolinablue6987]

Thank you for writing exactly what I was thinking. “Live in the moment because you can’t take anything with you” is what the executor of her will is going to say to her children.

[@wesleychair9696]

I burst out laughing when I heard that she was gonna pay for a vacation with her Amex bonus points

[@hgonz14]

I've never understood why people get Amex cards. They have ridiculous fees and thr perks are not thst great

[@bkatbamna]

@@hgonz14 And there are places that don't accept it.

[@hgonz14]

@@bkatbamna back in 2000 I used to work for Discover and their fees were high which is why it wasn't as accepted, however Amex was no different. At least with Discover there was no stupid annual fee

[@bkatbamna]

@@hgonz14 Am Ex used to have the Blue Card which I think didn't have an annual fee. Paying an annual fee to a credit card company is just stupid.

[@hgonz14]

@@bkatbamna I agree especially when some credit cards have cash back without a annual fee

[@cw4953]

She works for tesla but bought a bmw?!

[@evercast9213]

"its an Ego thing" >> even she knows she cant control her ego , when she eventually goes bankrupt she will find some fool to marry and then she will say to him *"its OUR problem now"*

[@zawarudo1041]

She is walking representation of word "entitled"

[@Atombender]

"$720...is almost as much as I pay for rent." She lives in LA. Something doesn't fucking add up. Maybe a secret sugardaddy?

[@petermaclauren2788]

she splits a one bedroom with her bf

[@theblackdr.phillip9330]

I won’t be surprised if she has an onlyfans account

[@thomasthumim7630]

@@theblackdr.phillip9330 nah she is cool she is also approachable. She have an interactive youtuber

[@anthonyamato3729]

Here's my advice if you have that kind of money you should use it to pay your bills

[@ajc8815]

@@petermaclauren2788 Her bf makes more $$$ than her.

[@jamessmith4455]

When women say “k” instead of thousand when talking about money it’s a huge red flag.

[@chrism8180]

"Lives on 80000 a year" Holy shit, must be a real struggle, I don't know how she manages. Damn this girl has a big "eagle" 😂

[@Skeetopunk01]

Rent goes from $2200 - $5000 a month in the Bay Area. $80k is still considered poverty wage in the Bay.

[@KobeCorona-uj3zb]

Bro I was make 75k a year in Santa Monica my rent was 2,500 a month But I have no car payment I bought a $5000 car that runs great ..

[@JamilLynch]

Where she lives in California she's probably starving 😂

[@SixballQ45]

right? i heard 80k and thought " i made that little 5 years ago.."

[@chrism8180]

@@SixballQ45 must be nice

[@ei513563854]

Heads up to her boyfriend: RUN FOR YOUR LIFE!!! She’s looking for another free ride! Literally!

[@evilpig11]

No use my fellow comrade the amount of simps out here is unreal

[@MathsYknow]

"It's hard on a fella, when he don't know his way around If I don't find me a honey, to help me spend my money, I'm gonna have to blow this town."

[@bluemoondiadochi]

true. and you can tell this by looking at their pic; if a woman is focusing more on how she looks to the camera than leaning into her man, she's not really into him. cause if she were, she'd lean the fuck into him to show everyone her affection.

[@bf6159]

She could have bought that car, 2 years old as a lease turn in from the dealership, certified with the original warranty for half the price! She's exactly like the girls I met in Cali back in the 1980's, everything was face value BS. She competent with regard of investing money but horrible when it comes to budgeting and functional purchasing. In my experiences, the people who make reference to "Living in the Moment" often live at the expense of those around them and have a habit of taking advantage of others.

[@basemanawakens6089]

Good point.

[@Abhi-hq5xw]

HOLY shit, Good lord The exact same shits happened at my place, damn, u defined it nicely.

[@6Oko6Demona6]

She's horrible at investing money! If she has 24k in her account @2% and 33k in debt at 5% then her investing costs her 750 bucks a year. Not much, but man getting a negative net out of an investment is... I can't find words. Your car should never cost you more than 10% of your net worth. You shouldn't calculate money that you can't reach to your net (that is retirement plans). So she has 120k in savings and a car worth 30k. On which she owes 30k. She should sell it, pay it off and buy some 15k car with a cash. Thats 15k in her pocket plus interest she doesn't have to pay to the dealer plus interest she makes on it...

[@evilbyron]

One thing about credit cards, is that they allow you to have “leverage”. You need to take that into account as well.

[@andrewc4606]

indeed, "leverage", ask most of the fools who invest in cryptocurrency what Leverage is all about (after they've had their margins called).

[@177SCmaro]

Every part of her life is already subsidized by government/men - her job, her education, in other words, she has little to no idea what it's like to get people to trade her money for her labor *voluntarily* and she's going to lecture us on finances? This is like having four men carry her across the finish line while tying anchors to the feet of the other racers and thinking she's the best runner.

[@sixfourlokzta8564]

I just found this channel at 23 years old and I just wanna say I wish I could've found it earlier before I had my first child every single video I've watched from you... U spoke nothing but the truth

[@ThinkBeforeYouSleepYT]

Good luck.

[@kodyeldridge5847]

"when you pass away you're not taking anything with you." Apparently you're not leaving a (financial) legacy behind for your children either.

[@joimumu]

Some debt goes to you children and that suck for them

[@sofianeh1967]

Her advice is litteraly YOLO

[@kostasbiker9302]

Ugh,it's one of those that every sentence they say ends like a question.

[@gvdz3395]

Yea it drives me nuts

[@billmyke746]

It's because deep down inside she does not have any belief in what she's saying. Chad is paying the bills.

[@forbesfoofighters]

Taking financial advice from a woman is like taking anger management from Ted Bundy

[@hockeymasktime1918]

@Richard Kennedy OMG...I'm laughing at that way more than I should've.

[@dereckandre3485]

No. Some women are actually really good with their money. Not many and definitely less than men, but some of them are good with it.

[@rhys896]

@@dereckandre3485 Yeah i'm all for red pill but some of these dudes are just complete sexists lol.

[@byteresistor]

Ted Bundy was actually a very calm mannered person... when he wasn't murdering.

[@carultch]

Taking anger management from Al Bundy would be a much better idea. He can communicate his brutally honest opinions, and remain calm about it.

[@jorgeorellana2732]

She’s the type of girl who watched too many Stephen Graham and other “Financial Advisor” KZbinrs and now she wants to become one too.

[@mishahappy1990]

I don't think she ever watched Graham. If she did, she would prefer walking to every place

[@michaelregis1015]

That's funny because he did a video on her.

[@Hammerhead547]

She's the exact sort who would fall for Suze Orman's scams...I mean "investment advice".

[@ArghABee]

Buying a new car in itself is a bad investment, never mind doing it on finance

[@Konghammer1]

I am poor. I choose to be poor, I receive no benefits, and I have somehow made it through life without owing anyone, anything. Feels good.

[@tuopsy]

how come you choose to be poor?

[@Konghammer1]

@@tuopsy I've seen the total insanity required to be rich. The ridiculous hours, no time with your kids or wife, people constantly up your rear about wanting money or yelling about what they think you should do with it. The hassles that come with being rich in money just aren't worth it.

[@leonrobinson8180]

@@Konghammer1 That's dumb. Truly rich people have systems that allow them to divorce their time from their income. They own businesses, rental properties, stocks, etc. They aren't the workaholics you see on TV. You think poor is great now? Wait until you're old. How will you pay for your declining health? How will you retire? You won't be able to work forever. Plus due to inflation, your income buys less every year.

[@Konghammer1]

@@leonrobinson8180 I didn't say being poor is great for everyone. I personally am happy with living life and don't need much to keep me occupied, plus most of what my family does is outdoor based, 99% of which costs nothing at all. I have a good nest egg building and have already planned out living off of it once I hit 60. As things get more expensive I will just grab a cheap van and live in it. You can't possibly believe that a billionaire works less then your common 9 to 5?

[@leonrobinson8180]

@@Konghammer1 The rich works hard because they're ultra driven, not because they have to. You may say "they'll miss the special moments". But while you can carry your kid to McDonald's, they can rent Disney for day. They have far more choices in life. You can live poor. That's fine. But pray life doesn't hit you with poor health or accidents.

[@Zuranthus]

so let me get this straight...she had enough money before finishing college to put down half on a BMW, and she's got 140k in savings with her 80k a year job in Cali being fresh out of college maybe 1-2 years into it...where did all that money come from?

[@lundoren5240]

Old white man

[@angelhr79]

Sugar daddy, that is the private investor she doesn't want to disclose.

[@whatamidoingwithmylife4108]

Her simp bf ofc.

[@louisarius9672]

Her simp bf and a sugar daddy.

[@Marcobroomar]

OnlyFans

[@derekrall5081]

It's honestly so great that I found your channel I find myself learning more and more every video

[@levelx-cell9374]

You are mature beyond your years my guy. It’s cool to hear a smart man admit he not always right. Listening is learning