how NOT to spend your money

[@jjbuckner]

► Sign up for a free consultation with Fearless Finance bit.ly/JJBucknerxFF

[@Junkdrunk247]

I doubt you'll see this,but you might.what do "you" mean when you say "if you can afford it"? Some think if you can cash out 5 you can afford 1,some think as long as it doesent come before any debt or responsibilities, I'd like to know.also,what you're opinion on getting teeth fixed, where do you put that,a luxory,necessity? You look like you may have had work done to your teeth,if not,God blessed you,but if so,what's your opinion. Please and thank you in advance

[@barelyreal1]

I don't have tiktok but I honestly cannot deal with people nowadays begging for people to share and like a video so they can make some money without doing ANYTHING other than asking. It is insane.

[@barnabusdoyle4930]

You mean not doing anything other than making the content of the video in the first place? I completely understand why they say to share, like and subscribe. What drives me crazy is when they start the video with a clip of deeper in the video. I hate when content creators do that

[@mmccpl3934]

Exactly. They aren't providing valuable content they might as well hold up a cardboard sign.

[@Eldritchinator]

I saw this a lot working 9-5. It's very easy for people to fall into the trap of spending $200+ on restaurants and bars on a Friday if that's paycheck day, and then by Monday you're broke. Keeps you showing up to work, but it's a vicious cycle.

[@turtleanton6539]

Yeeh

[@ryanturner8577]

Spending my late 20s living at home and paying off all my debt was the best decision I've ever made. Then I bought a used car cash, now have a large savings for a house I can't afford lol. The peace it brings though when you have no debt and low bills is something not talked about enough. While everyone else went on vacations, bought new cars, bought fancy things, I fought those urges and gave myself the best gift....peace.

[@JellieJoShmo]

Don’t buy that house you can’t afford. It’s better to have that cushion and feel safe and peaceful instead.

[@hostileaks4495]

I know what you mean. It's crazy having $150k but still can't afford a home

[@averageguysgadgetguy]

Totally agreed dude...finally paying off my student loans and debts was the biggest feeling of a weight off my shoulders ever....it was the single most freeing thing I've ever done and I am so happy I did it vs waste my money on dumb shit

[@LiveAlcheme]

@@hostileaks4495I was in a similar situation and decided to shift my location a bit which opened up many affordable options. There are good deals in many places.

[@elnoraabduqadir2297]

How can someone ignore a debt? I will never understand this. I couldn't sleep.

[@jjbuckner]

That makes 2 of us.

[@NobodySpecial509]

I don’t even like having a mortgage 😂 we’ve paid off 13+ yrs of our mortgage in 2 1/2 yrs cause I hate “owing” anyone, anything.

[@ppmny7015]

I can't fathom how one spends $225 at Chick-fil-A

[@charliecampbell1232]

My bro has 200k in non-mortgage debt (on top of a 200k mortgage). No idea how he sleeps at night.

[@NobodySpecial509]

@@charliecampbell1232 😮 That is absolutely brutal… damn!

[@Username-i9t]

Going into debt for a handbag that you won't any money to put in it is insane. I'm a guy, maybe I'm missing something, but I'm not buying a $500 wallet.

[@mamadoom9724]

It’s actually trashy to blow your money on handbags. I had an expensive handbag given to me. I don’t even remember the brand, like Chanel or something. I actually felt trashy using it and ended up giving it away lol

[@Joce123]

Purse from Walmart $20.. It does not have enough compartments so I went to the Dollar Tree and bought 2 tiny zip purses to put inside the larger purse... And it is just fine.

[@Joce123]

Our utility companies allow us to pay in advance. We looked at last year..added 35%..prepaid heat, lights, water for a year..lose 4% interest but in case of illness..at least that is covered..We stock up on canned meat, in our freezer..oatmeal, noodles..We truly only buy 1 gallon of gas a month..live 11 blocks to post office. Library..Dollartree 2 miles to grocery store /bank..stash cash

[@Joce123]

I don't think that rewarding yourself with a trip makes sense. We have found that by never having the tv on we don't feel like we are missing out.. We only use KZbin..

[@saritamoorebansa4485]

@@Joce123. I was thinking about doing this pre payment of my utilities too ( electricity, gas, internet, cable and cell phone). Sit down calculate a year’s of payments . It will allow piece of mind for sure.

[@pn8326]

I don't want to pay off debt. Girl, who's gonna take care of you when you're old? Better not be your kids

[@JellieJoShmo]

She’s gonna tell them they owe her because of all the times she took them to Disney. She’s screwing her kids over by taking trips she can’t afford.

[@Barada73]

Immediately after I get paid, I go through and pay every bill I owe first, then I worry about necessities, food, shelter, discretionary spending, etc. The bills come first. Always. This is why I've never understood the "pay yourself first" bit of financial advice. That just sounds like nonsense. I have to come second, my bills have to come first. I've never heard a logical explanation for why it should be the other way around.

[@Scarletcroft]

Pay yourself first doesn't mean spend money and spoil yourself with random crap, but it means to put money in a savings account or investments or to pay off debts. You are paying your futureself.. before you are spending money on your current self. Ofcourse you have to pay your bills.

[@saritamoorebansa4485]

Just a suggestion. Pay yourself means take a little $$$ for yourself, My dad said this, if you need some gas for your car 🚗 and something little to eat (McDonald’s) , your bills can’t help you. I take $10 out each check and stash it in a box. Just a little advice. 😅😅😅😂😂😂❤❤❤

[@bigshoe84ify]

It’s just saying to be sure to put money aside for retirement first then spend the rest as needed. If you don’t do that the chance of having money left over at the end of the month to save are very low for most people.

[@debbieframpton3857]

I put a third of my Social Security ( only income) into savings then I pay my bills whatever is left is what I have to spend for the month

[@BillyTimes-dw7vs]

​@@saritamoorebansa4485 agree 👍 I just got a 2nd job and pay check goes into a high yield savings for emergencies because they will come.

[@NullLang]

People are plagued with so much entitlement it would probably take a depression for them to realize it.

[@ggfinger1]

Absolutely!

[@turtleanton6539]

Indeed😊

[@Valmontst]

Agreed!

[@carla7246]

As far as gambling goes, they say "The house always wins" for a reason!

[@Imaworried]

Kids need your love, attention and time. That doesn't have to cost money. Going into debt for a trip to Disney (or anything else) is satisfying something you need to feel worth while.

[@mamadoom9724]

I was watching this channel where this low income woman was talking about her toddlers birthdays. She said that toddlers don’t even care about the decorations and the elaborate party. They just want to interact in a fun way. So for her kids birthdays she will make a point to spend extra time with them just playing and blowing bubbles and stuff. It made so much sense. A lot of this stuff about holidays and vacations are just instilled in us as what’s normal but when you think about it it’s not really that important.

[@jborrego2406]

​@@mamadoom9724yes birthday parties have become a competition for parents to show off. And thanks to those competitive parents to other competitive parents now you have to spend more money cuz apparently now people buy little gifts for every kid that comes to the party I'm like what the hell is that. When I was a kid you came to the birthday parties it'll be nice if you bring a gift but most of the time didn't. And all the kids care about is playing and some cake or some cupcakes or some cookies anything that sugar lol

[@ggfinger1]

Adults take kids to Disney to empress their friends, it's not for their kids.

[@nildabridgeman8104]

I lived in Florida for almost 12 years and never ONCE went to Disney & I have 6 kids! Do you guys know how much the tickets are for 8 people?!?! I grew up poor in the South Bronx.. there's NO WAY I could justify paying almost 300$ a ticket.. man, we used to go regularly to Old Town outside of Disney with the classic car show, carnival rides, Italian sausage and ice cream. Cheep & cheerful 💕🎶🍦🍭

[@justinebailey5333]

Exactly

[@crazeekids9744]

We knew someone who always paid their wants before the needs. My husband and I would joke around and call it backwards budgeting. They lost their house and things just went downhill from there.

[@turtleanton6539]

Yeeh😮

[@Tune2dis41]

Caleb is the real MVP! Ive been watching him since the beginning before he started yelling at people he would walk up to people on the side walk and ask them about their finances! I’ve learned so much from him!

[@joelwillems4081]

He points out errors but he has little financial knowledge. He's closer to a therapist.

[@biancascerri7738]

Those handbags are thousands and thousands of dollars. I can’t understand buying those either. Let alone going into debt for it.

[@belindamiller6349]

Lmao...I don't spend more than $50. Even that is too much!

[@savannahbedingfield]

I love this channel! I listen while I drive and walk on the treadmill😂 it’s a good reminder that I really don’t need to consume so much❗️

[@susanwhitbeck4210]

Well that’s why parents need to step up and educate and guide. Stop bailing out your kids and let consequences teach a lesson.

[@jjbuckner]

Agreed.

[@mamadoom9724]

I bought my first house with my ex husband at age 22. He also came into the marriage with massive debt and nothing to show for it 🤦🏻‍♀️ we were so poor that all of our money went to the house and debt. We were near starvation (there were some weeks where we only ate oatmeal) and my parents are somewhat well off so I always wondered why they never helped us. Now I get it. It’s because being so poor taught us some valuable lessons about budgeting and being as resourceful as possible.

[@openmindedcenterist]

That woman at 00:07:53 who says paying off her debt is not what she's "most interested in" is a conundrum for me. I understand prioritizing your family ahead of debt. We should value time with our families and giving our children wonderful childhoods if we can. We should work to live, not live to work. I get that. However, she DID take on the debt and she is *morally* obligated to pay it back. So I hope her lack of interest in paying off her debt does not actually mean she plans to never pay it back. (Who ever WANTS to pay back their debt? No one!) If that's the case, she's essentially choosing her family over everyone else's. That's how society breaks down. Also, if she never pays back her debt, she is hurting her future life and opportunities along with her children's. And for god's sake, I hope her children are not under five years old making them unlikely to remember their trip to Disney at all. In that case, the trip to Disney is actually for HER, not the kids. Kids that young would be happy just running through the sprinklers in the backyard and eating popsicles for dinner.

[@HangNguyen-ih8rf]

Hm…let me try that hack “ignore my bills” next month. I might have anxiety attack 😂

[@kmforward3808]

2009 I flatline due to a blood clot. Was prone to them for whatever reason - doctors couldn't figure it out. Haven't had on in the last 5 years but didn't think I would live passed 46 and had that mindset that I won't be here so need to live- now I'm 51 playing catch-up. I'm so focused that I'm planning on getting my house paid off that I purchased in 2020 ASAP.

[@jjbuckner]

Glad you are still with us! You got this!

[@belindamiller6349]

From an ER nurse here, don't get those jabs...seen too much my friend. Glad you are doing well.

[@Joce123]

No.Im selling my house in ND to buy a smaller cheaper house in Kansas..like Wichita...or Dallas County Missouri.. I won't have to work hard to have that house paid in full.

[@jonesjones7057]

You might look into (if you or the docs haven't already) if you have a condition called "Factor 5". They have to do a specific test for this because it's a genetic issue, not an issue of lifestyle or anything else. If you have it, that would be something you want to address. My father in law has it, he got a clot too, almost took him out. Because of that, his 3 daughters got checked, one had it as well but had no idea until the test.

[@xaldath4265]

The gambling one is absolutely right. Of all the addictions I can think of, it's the only one you *can* actually come out ahead, even if only short-term. Problem is, the more you gamble, the lower your odds of that...kind of like the opposite of investing. Close to a coin flip day to day, but over the course of 20 years, almost guaranteed to lose money.

[@30abeachguy]

Draining your 401k for a PS5 should be a sin😭

[@Avsfan23]

I've gotten way better with money. I save most of my money. I allow myself a small allowance for BS. I've had more success doing this than going completely cold turkey. This has been more sustainable.

[@KnowingTruth]

Thank God you're drinking water today and not beer again😅😂

[@candy2325]

I get excited paying down my student loan 😅 seeing the balance decrease fuels me to keep pushing. I like to have a balance with budgeting. I give myself an allowance for fun money and spend within reason. Once that money is gone, that’s it no more.

[@TheMoneyMakingMentor]

That's a great mind set.Make it a game.

[@bryan8638]

Same with mortgage payment, it's nice to see the outstanding balance lower when you check in every once in a while, not that it moves very fast on 30 year payments 😂

[@jjbuckner]

It’s the best feeling!

[@LearnAsYouGo.]

What’s a reasonable fun money allowance? Trying to figure out how to determine that & if my fun allowance is too high.

[@mzcain1521]

I felt such a sense of relief when I paid off my student loans

[@dm3988]

The first Louis Vuitton bag I bought myself came after we paid off the mortgage, established an emergency fund, and began investing 40% of our income. I was 36 years old, but it was worth the wait.

[@belindamiller6349]

I have two homes paid off, two vehicles paid off, no credit card debt. I buy a plain leather bag at Marshall's. I wouldn't even know or care, no offense, what a LV looks like. Bonus- 1 acre in back of main house has 4 gardens. Self sufficient life equals peace.

[@233kosta]

Was it any good? I mean as a bag. Does the build quality justify the price tag?

[@dianabehr3169]

Who needs a Louis Vutton bag??

[@saritamoorebansa4485]

Awesome commentary❤❤❤❤. I totally agree about planning and having goals with your money. So Many people are looking up and saying they really didn’t mange their money. Manage which means plan . Ex. You buy a car, and say I’m going to pay this car off in 2 years rather than the 60 months of payments. You sacrifice and make significant principal payments when you can to pay off early rather than just pay monthly for the entire term, Eat out only on pay day and treat yourself but eat at home the remainder of the money .

[@BestBuysReviewed]

How not to spend money? Don't leave the house!

[@ridinwithjake]

Well there is Amazon… online gaming and gambling…. You can lose thousands in an afternoon by never leaving your bedroom

[@twobitsandpepper8235]

@@ridinwithjake But there's Tubi, a one time purchase of a video game and why even gamble?

[@BlackKraya]

You don’t need to leave your house to spend all of your savings. The internet is advanced like that

[@nicoleavery7238]

That’s not even life. Being trapped in a box with no nature or no real experiences goes against life itself

[@carmelle4ever]

Or leave the house and do one of the many free things available going to the beach, park, free events (bring your own food or drinks to those), etc. If you do that and are in the moment when doing them, you’re less likely to scroll and buy stuff on Amazon which most people will do if they stay at home.

[@BagsNBaguettes_327]

For the girl who bought those handbags, WOW. First, the quality is now crap and second, no money in the bag?! 🤣 that is super dumb. The VAT tax is not reason enough. PS. Fakes are hundreds of $$$ fakes now look real.

[@evelynlopez6472]

We live in a world of instant gratification. Everyone wants whatever they want, whenever they want and have a hard time hearing no. People go into debt for the most stupid and shallow reasons and then justify their dumb decisions by saying that they needed it. People can't really diferentiate between wants and needs anymore, and it's sad.

[@cloutmuzikbeats]

If someone is very materialistic then they usually don’t have much personality to offer

[@BillyTimes-dw7vs]

Love your show bro

[@chloesanders3631]

"It's my birthday so I thought I would treat myself to DEBT"

[@saragomez-maier2860]

Instead of buying a fake, and supporting all that comes with that industry, buy used. Spend cash on something quality, reduce the demand of buying something new, and put money in a person’s vs. a corporation’s pocket.

[@mcc9040]

Instead of wasting all of that money on Disney, pack a picnic and go to the beach/lake/park with your kids, and bring a radio, ball, and frisbees to play WITH them! They'll cherish the face to face time with You over the creepy old man in the Goofy costume - and every time they hear the songs that play on your outings, they'll be brought back to the Magic of their Mom. Trust me. They will.

[@joshuamckillen3712]

Ive never had credit card and im 32 i coyldnt imagine any of these debts.

[@rodrigocortes3641]

I don’t know if I have a gambling addiction. I buy 1 $10 scratch off lottery ticket about twice a year.

[@TheMoneyMakingMentor]

I think you do. lol

[@jjbuckner]

🤣🤣

[@mamadoom9724]

You need to seek help 😂

[@xaldath4265]

#MichaelJordan "Stop. Get some help"

[@leannethomas3411]

There are so many good leather shops in Italy too. Every time i go i come home with a good quality leather bag or belt.

[@elevatormechanic7120]

After my wife’s 12 year old suburban was falling apart I sold it and went to look at a new one. HELL NO!! was I going to pay 85k I’ve got the money, but I just can’t do it. She ended up with a 35k Kia.

[@Bunsense_Gaming]

The people that can actually afford those expensive bags often do not want those bags 😂

[@BlackKraya]

Some high priced items are higher quality… handbags are not among them

[@JeremyVanbrunt-v7v]

The problem with living in the here and now is that tomorrow still comes and eventually you'll be drowning in so much debt you'll never be able to do anything.

[@laurellefillies6701]

I am 37, south african woman and i paid off my debt in 5years. Now my absolute focus is making money. I only buy things i need.

[@sjchan3199]

Well done bet your proud as punch. Fantastic job.

[@matthewsawczyn6592]

Not paying your debt is literally robbing those children of their future

[@ParkDari]

The worst part about the Disney mom is that her children are watching and she’s teaching them to be poor and in debt the rest of their lives instead of sacrificing and delaying pleasure for the good and the safe

[@rubenportugues7811]

Debt can destroy a life in the blink of an eye, pure ignorance!!! 🤦‍♂️🤦‍♂️🤦‍♂️

[@turtleanton6539]

Yes😮😮😮

[@Erintii]

I am on my way from financial illiteracy. I have separate accounts for taxes and rent, quit unnecessary subscriptions, have budget and credit card is for German classes. Alwsys pay first and then save. Will build investment portfolio. Do staycations and don't buy if cannot afford from checking .

[@CrystalBrightz]

These stories all sound like thinly-veiled doomspending.

[@skaterzrule4]

Very heavy on the consumermaxxing

[@tross549]

Minimalism is such a powerful thing (in all parts of your life)

[@authenticallyallison]

Long comment alert. I love caleb. I've been watching him since he had 1k subbies. He inspired my journey to debt freedom. My journey was slow going for a bit because I had an emergency eye surgery and became legally blind during the process. This year alone I'm on target to pay off over $14k in debt and document it on my KZbin. I should be debt free by spring 2025. I really like watching your channel as well and enjoy listening as I work. Iyou talk about making money and I will say I've become so passionate that I make savings challenges on Etsy now. So good for you for turning your passion into a full-time job. I don't expect you to know but LV bags are like $3k plus. I saw a dupe in Walmarts website for like $55 😂

[@EscapayPiranha]

the lady @ 8:40 trying to receive validation for her bad financial decisions, asking for a like, and google just lighting up the like button for the video was great if only she said "and subscribe" XD

[@wavydavybeats]

Chick-fil-A is not good anymore lol

[@jjbuckner]

My wife and kids think otherwise 🤣

[@otrebla8944]

Why do you say it's no longer any good?

[@wavydavybeats]

@@jjbuckner it was better back in the day lol, the OG Chick-fil-A in the mall was elite

[@NullLang]

@@wavydavybeats Zaxby's is definitely better

[@whyjustwhy2168]

​@@wavydavybeatsthey still have in malls where I live

[@jonesjones7057]

The blah disappointed reaction to the water 😂 I like the info in your channel, but that part got the sub.

[@floridashawn7317]

Fancy purses? I use one of those rubber bands off my asparagus to hold my CCs and cash together.

[@robbooth8059]

JJ, I worked in the car business for a dealer of was super based. He would say “everyone drives a used car”. To your point, six months later it’s just another car!

[@paddyohenry6428]

13:47 I don't think the woman paid for the trip or the bags with an income tax refund. She got a refund of the VAT (sales tax) on the purchase because she's an international tourist.

[@NobodySpecial509]

Women and purses & shoes.. i’ll never understand the obsession. 🙄 It’s just a status symbol, so many people are more than willing to go into debt to impress people whom they don’t know and don’t care about. Makes zero sense to me whatsoever.. and i’m a woman.

[@thelastboomer9088]

Our daughter, 22 year old college grad, has over 100 pair of shoes and 30 handbags (I counted them) and her transmission just failed in her car. She needs $5,800 for repair. I told her she may want to consider selling some of her stuff. I also told her to do a transmission service when she bought this used car but instead, she spent money on trips to Disney, Myrtle Beach, and other areas instead of the $250 for the transmission service. Would have been some cheap preventative insurance now, she’s crying she doesn’t have money to fix car….

[@NobodySpecial509]

@@thelastboomer9088 Absolute madness.. guess she’s about to learn something from the school of hard knocks.. 😅

[@OneIncomeSuperSaver]

I’m a woman and never could figure these types of women 😂

[@UnwittingMango]

I remember seeing a LV CD box that I thought looked cool. I was going to pick it up since I couldn't afford a LV messenger. That little CD box that holds maybe 10 CDs, cost $2000!

[@robhaldane3347]

My buddy and his wife were in debt, giving in basement anpartment, owed money to friends, went Mia for a couple weeks turns out they went with their 3 year old daughter on an all inclusive trip. ‘It wasn’t for us man it was for our daughter’. Some people can’t be stopped.

[@Belcherboy7]

On the handbag video, want to clarify what she’s saying about tax. In Europe, they charge VAT, which is basically a sales tax, and it is included in the sales price. I believe the UK rate is 20%. However, if you don’t live in the country, you can typically claim it back when you leave the country. Therefore, she gets that 20% VAT back after the purchase, effectively creating a discount vs buying in your home country.

[@Jacob-sr2wd]

I’ve been binging a ton of your vids JJ, love your content! For me, I’ve decided to go into the military since my dad lost his job and we are gonna lose our house soon, best thing I can do for us is move out and not burden him with expenses and insurance. I’ll be saving every penny I earn for when I come back to civilian life 😊

[@jjbuckner]

Appreciate you watching and thank you for your service brother! Go kick some ass!

[@justyeeeeeetit]

I bought a Louie and spend 6 months paying her off! I threw a ton of money at BUT I haven't had to buy a new purse for 3yrs! $2000 for my neverful but it was a dream bag of mine.

[@ImVeryBrad]

We are redoing our siding. Quote came in at 18,500. Paying cash so we asked if it would save anything. He said he would do the job for 2,000 less as cash

[@The_Gute]

What's the graded PSA card behind you? Longtime card collector so of course I noticed it almost immediately

[@AmandaBrookes0908]

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Katherine Storch.

[@Brucelanham845]

Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.

[@Scottweeier846]

The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.

[@carolynvo7802]

You trade with Katherine Storch too? Wow that woman has been a blessing to me and my family.

[@erikyanez5371]

I'm new at this, please how can I reach her?

[@Rodriguezpaul-9]

I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much.

[@MyFinancialFriend]

This is about to get WILD

[@jjbuckner]

My dude 😎🍻

[@SnapRasta]

Im 30 right now with 230k in investments. I will hopefully retire comfortably when i am ready in 35 years

[@jjbuckner]

Keep killin’ it! 🍻

[@highfivegh0sth5g25]

God dammit. I'm 34 with like 20k. It sucks wasting your youth. Been trying to die for awhile but it turns out no matter how reckless I am I have some fuckin guardian angel that won't let me go 😂

[@marysiegel7974]

That’s amazing! 🤩

[@Vinnie16920]

Being in my fifties I have lived through some tough financial situations. Remembering and having a mortgage when interest rates were 15% in the U.K. House paid off ten years early and zero debt. I don’t know how people are surviving with debt in this economy. That said it’s tough for youngsters now but my teaching to my own daughter is debt freedom apart from bricks and mortar. I’m happy to report that she listened.

[@dianabehr3169]

It was always "tough" for teens but they used to know that they had to save up for something

[@vickiewilkins1579]

Every time I wanted a raise, I would pay off a credit card and cut it up until I was debt free.

[@sandramoss1417]

I had to giggle when you said "multiple hundreds of dollars" 😅 I had a friend who bought a few and they're like $3000 for that size from what I remember and it just depends on the style but I don't think you can get one for hundreds. I could be wrong.

[@katielowry8733]

Hahaha the Louis bags are in the thousands for one!

[@yeahright503]

Good video

[@dylanmagoiofthethalasso4032]

Someone who says that the worst addiction out there is gambling is definitely out of touch and never delt with substance abuse and addiction. I've had quite a few family members, friends and family friends die or almost died due to drùgs/alcohol. Let alone victims who have died (or were seriously injured) in car accidents that were hit by people who were intoxicated. Everything else in this video was good.

[@alldayfitness]

That skin fade looking proper!

[@CalvinJordan-b1c]

They need to teach young people in schools how to budget money

[@danielponder690]

FYI it was a VAT refund for Italy vs Non-EU country, probably no more than 10-20% of the cost; probably not a ton of money back...she might be able to sell the sac a main for the market price in the UK, which could be more than in Italy

[@rcg224]

Every extra cent I have right now are goint to my loans.

[@maro_009]

People need to learn how to cut your losses.

[@averageguysgadgetguy]

I'll never understand how people gamble...it took me so many years of grinding and saving to have any money, why the F would I just gamble it away...the house always wins, its a guaranteed losing game

[@TheGrizzlycraig]

The bag looks 3D because it is.

[@SirKingWest]

Gaming can be baaaaad for some folks. I had to give it up - it completely warps reality. Quitting your job for 9 weeks to game is real.

[@innout3x3]

Most people who buy luxury goods don't make a lot of money.

[@GRsnacks]

She said the bag "looks 3d" that's all I needed to know.

[@arturosoto6599]

I agreed and disagree on taking money out of your 401k. Only if an emergency that you don’t have money to cover it then take a loan on your 401K and paid back only!!! But if you want to buy dumb things just save the money and by the time you going to buy it is either hundreds of copies or you don’t want it anymore.

[@deadfairfield]

I have a full house of Chia Pets. I wish people were more like me and invested correctly. SMH

[@jjbuckner]

🤣

[@greg_216]

I mean, you CAN eat them if you had to. So, technically you've invested in a small-scale farm. (Don't eat them, though. The company does not recommend it.) Edit: I should clarify that by "them" I mean the sprouts. FFS, don't eat the terra cotta. 🙃

[@katcraig7525]

😂😂😂

[@deadfairfield]

@@greg_216 how dare you suggest I eat my pets.

[@Sinha010]

"I want to live in the here and the now." Girl, you already did. You are in debt because you spent your future's money now.

[@nessapalmer5316]

Living in the here and now is a painful lesson during retirement when you can't because you went to Disneyland

[@mmccpl3934]

A couple hundred is not the price for a LV bag, starts at 2k go uo from there.

[@nordikcajun5417]

I chose to ignore it!!!😂🙄. Yeah. I just going to pay late fees 🤦‍♀️

[@LifewithTee76]

I chose to ignore it🤦🏾‍♀️ I have just never been able to get into gambling/casinos. But I see how folks could get enjoyment out of it.

[@tomswanson4629]

Baseball owes Pete Rose an apology.

[@XHIT4HIREX]

Gambling is bad i pull 1k out every time i go but theres always people in front of me that shouldnt be there pulling out $40 or $80 with a 5$ service fee its mind blowing i can afford to lose the money i pull out theres times i make money an theres times 1k will only last a hour or so

[@johannacox3267]

Louis Vuitton costing "hundred's of dollars" hahaha 🤣😂 Silly boy LV'S depending on the type of bag it is go for $5k & up, they are not cheap! Some of the cheapest totes start at $2k. And trust me women who know purses CAN TELL A FAKE LV. Sad but true.

[@braxtontwist8274]

This guy is sounding more and more like my kind of guy BEYOND the finance talk

[@joeb734]

You can do something affordable for your family AND be responsible with money...its small minded to think you can ONLY do one or the other.

[@Katiemtz099]

I feel like I can’t go anywhere without money 😭 & I hate this student debt

[@foozle9285]

Those bags the one girl bought look no difference from the junk bags I see at Ross or Burlington. The designer bags are usually an absolute ripoff in quality, too.

[@JemJules]

Creating content and getting your name out there will and create passive income only if you "do your research" FYI lesson learned! Thanks 😊

[@ladyzeta6]

Fake bags are often produced by child labor. I’d just say to get a non designer bag. High end designers, you can make back what you paid for it or sell it for more money than you paid for it. That’s specific to the luxury market due to massive price increases and because they never have sales. I’m not co-signing on debt to buy a bag, just stating the difference with the luxury market.

[@themonsterwithin4000]

18:40 The real question is "why's his 401K amount so low?" A ps5 and monitor should not be enough to drain a person's 401k.

[@parvanirose]

Imagine ignoring your debt to go to Disney and then you die and leave your family with your debt that you refused to pay. I really hope she was joking.

[@Joce123]

Especially considering that if the Fed's lower the interest rate I will be earning less money on my savings... I will be giving up less interest earnings by using my money to prepay utilities.