Living Paycheck To Paycheck on 120k?!?

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[@megasweetness9353]

I'm not going to lie, you guys just kinda pushed me over an edge I was at. I've been being such a lazy little shit about saving money when it comes to food, even though I'm 20 and live with my mom, and there's plenty of stuff at home I can and even sometimes do cook. Going to the gym requires a good bit of food for building muscle, and I've just been too lazy to cook it all up myself. I needed to hear real shit like this, so thank you guys. No more overspending on food and small dumb shit that I don't need(and time to start cooking). Time to start spending smart. Also, I love your guys' videos. Keep making great content.

[@JD-vh5hj]

I needed this too. But on the real tho spending £500 or more dollars/ British pounds a month on UberEats / Deliveroo is beyond madness.

[@MrStretch03]

Invest 100$/month in S&P500 and you will be a millionaire bg the time you retire.

[@davidhowell1415]

If you spend money on something, make it mean something because a moment only lasts as long as you remember it, not how your phone remembers it.

[@winstonwolf6791]

The stuff they said about credit cards is just as or even more important. Some of the smartest people in the country are bogged down with CC debt and once you start down that path it is extremely hard to break the habit and it is a financial killer.

[@davidhowell1415]

@@MrStretch03if you are advising anyone to invest into the S&P in this market you are 1) scammer or 2) financially inept

[@dookfields2362]

She's not living paycheck to paycheck. She's living beyond her means

[@ComposedSage75]

🎯🎯🎯

[@ashwinbalu]

On point sir

[@gregorysheridan2015]

Dook Fields. This is the way.

[@billiondollardan]

100%

[@UpTop.A1]

I hope they pin this comment because this THEE ONE.

[@fyoutube9410]

An ex was struggling at 50K in Texas, was basically spending more than earning. We sat down and drew a budget, got rid of a whole bunch of useless streaming platforms she did not use but was paying for. Stopped getting the latest Iphone every damn year, switched to generic brands at the supermarket, switched her SUV to a smaller easier to maintain model. She got out of debt in a year.

[@saminates2002]

Damn her spending habits were atrocious 😭😭

[@Hossak]

You are a good dude - that would have been hard but life is about learning and choices. Nice work!

[@brandocalrissian3294]

I will never understand why people have to buy a new phone every single time a new one comes out. Such a money pit.

[@moonknight4053]

I need to change my car too, to have a full tank you have to pay abit over 100 bucks. It hurts my bank account if I pay that much for a full tank so I gotta find a car that doesn’t require that much

[@Jam-bt7qu]

Everyone needs to read this bc they will swear they are living cheaply but they're not. And I live in TX and ppl flock here bc the cost of living is cheap (which has actually started to make the COL go up but it's still more reasonable than a lot of places).

[@aishwaryapotdar1348]

"I can only afford sobriety, I'm too broke to be an addict," is my mantra now.

[@ajh.4131]

Where’s the lie though? 😂

[@maam-yj8ph]

Amen!

[@WuhDeyDo]

@@ajh.4131 if there’s a will, there’s a way 😂

[@illestvillain1971]

I've always championed that phrase, then I cut back eating to once a day to afford rollies. Now I'm off alcohol, weed and nicotine and saving money and eating pasta every day XD, throwing in basic vegtables but very frugal stuff to save money and it works, transport, rent, and utilities are my biggest expenses so I keep all my earnings for that

[@Evealaquisina]

That's not how addiction works. Absolute clowns

[@Isthatthegrimreaper170]

As somebody who made 35k last year (in NY), the idea of people struggling on 120k has me laughing my ass off Here I am making moves, grinding and networking to upgrade to a minimum 40k+ a year job, and mfs out here blowing through 6 figures and blaming it on 13$ eggs

[@MrParkerman6]

I struggled to live in Cali on 20 grand.

[@anengineerandacat]

Simply living beyond their means, been there done that and grown up around it. You work in a high profile gig and slightly older folks have high profile shit so you buy up and continue buying up. Eventually you have 2 new cars, a house, all on loans and your 120k is more like 30-40k thanks to the loans to pay for the shiny shit you got. She isn't struggling, they just made poor decisions with their investments; just downsize and the problem immediately corrects itself.

[@jakestumm4101]

I make 60k on Long Island and I’m still on that Mac and Cheese diet

[@brandoncole5533]

@@MrParkerman6 20k in Cali is crazy but props to you

[@tacotom3492]

35k a year is a part time job .. stop telling anyone you're "grinding".. lazy ass..

[@JohnDoe-lc3sc]

She really tried to blame living paycheck to paycheck with $10k a month on a $70 at the grocery store lmaoooo

[@Lissemt]

I feel she did this video for clout. She changed to tone pretty fast towards the end about other people and they are managing. I don't believe she is living paycheck to paycheck

[@tutuadefolalu3661]

Lol, she didn’t talk about her impulsive spending. Whether it’s beauty products or random stuff on the internet, somewhere you are making dumb financial decisions. People live well on a lot less. This isn’t a food issue.

[@RealWorldReview]

I thinks she’s more irritated at the $10k going to mid single digits after taxes lol. If anything I’d complain more about taxes not fixing the issues we hear about, instead they take 30-60% from you for what?

[@aphroditlima2330]

You forgot taxes. It’s about 5-6k a month. Rent can be about 3+ depending on the state. So it’s not what it looks like

[@JohnDoe-lc3sc]

@@aphroditlima2330 5-6k taxes a month ? I d be curious tu see how you calc that lmao. Also if you earn 120k a year and still pay rent instead pf buying your own place, idk what to tell you.

[@DavidNwokoye]

Doesn't matter how much you make, you can never out earn terrible spending habits

[@woodside4life]

Preach, brother

[@gregorysheridan2015]

David. This is the way.

[@THX5000]

Reminds of the girl who recently said: "If you can spend more than your husband makes, then he doesn't earn enough"

[@o.gparamount3099]

Epic quote 💯👍🏿

[@seabizkitsngravy]

The US Government would like to have a word with you...

[@simply_sophia]

Reminds me of my ex. Somehow he was always living paycheck to paycheck, even borrowing money from me even though he made 70k base salary and I made 35k and I never had any money struggles. It’s so true, it’s all about choices. Even now that I make much more, I’m getting looked at sideways by family for wanting to move into a nicer apartment but with a roommate to keep costs as low as it is now in my “humble” apartment. I’m just trying to be smart about my money 🤷🏾‍♀️

[@moodmaker2796]

Don't let their looks affect you. Jokes on them when things get rough. Also... as long as you treat yourself from time to time, rather than ONLY managing your money... it's the perfect way to live. I have max 15k a year and I still have a nice apartment, a very good girlfriend, every modern device I need to function properly - everything that consumerism tells me to have.... AS LONG AS IT HAS LONGTERM VALUE! Everything else I'm blind for... and that's why my brother who's working from 6am fo 5pm is asking me for money at the end of the month..................

[@CoryEvans]

Even with a roommate, people should choose an apartment that they can comfortably pay for by themselves. Roommates leave, get sick, die, or lose jobs.

[@brandoncole5533]

You smart Your retirement is boutta be nice as hell

[@BodyByBenSLC]

I have a roommate 42, making 55 a year single. I charge him $500 rent and utilities a month that's it. He dose own a car, no child support no alimony. Still asks to bum $40 until payday. He spends all his money on booze, cigarettes an weed. He moves in 6 weeks before Covid lock downs, I've given him every chance to get act together. It's getting old.

[@imyournme6632]

I'd be curious to know how much of these 70k's were spent on you.

[@Cybertech134]

Minimalism is such an underrated skill.

[@bleeem]

ngl the most beautiful thing i've seen was my grandma crying while talking about how her childhood was, she went days without eating, barely having money to raise my dad and my 2 uncles, having to work hard as fuck as a maid, and now she and my family is doing good, she is happy living in the same house for the past 50+ years, having some good food now, our family is well, its not like we are kings, but we dont really have any problems because we dont require that much to be okay.

[@veronicaana]

@@bleeem My mother never let us do anything like sports or extracurricular activities because we did not have money. I wore the most ratchet clothes, and had wonky a$$ teeth (said they couldn't afford braces) and I got bullied and grew up with the most awful self-esteem issues ever. She told us she herself was poor as a child and that they did not even have enough food to eat. So we were lucky to at least have food and vacations every year to go exactly where she wanted to. Come to find out in my adult years that my father owned (on top of his good-paying union job) a whole building of like 10 tenants and made a fortune when he sold it. My parents were not poor....they were misers. And my mother's story of her childhood I honestly believe it...and I believe that she believed she was poor. But now thinking about it (and what never registered with me in my childhood) was that her childhood home was a 3 story in prime piece of real estate, her father owning SEVERAL buildings, a boat and my mother even went to private school....Her parents were also misers and it trickled down.

[@rozi2089]

No lie fam!

[@Crowbar11115]

Most Women REFUSE to live that way though

[@marlom7882]

Minimalism is actually great. Let people be materialistic and keep this life for yourself

[@krumblemumble8628]

My mom, after digging herself out of credit card debt 3 times in her life, made major changes to her habits. She tells her children that being good with money is 80 to 90% habit. It is about the decisions you make and continue to make.

[@CASTRO45ACP]

Gonna be honest with you bro, my girlfriends sister is very tight with money but in order to do so she doesn’t have an enjoyable life, so while you can live on 60k a year, once you have a family it’s not enough, I made 50k at age 23, I’m 37 now and make 65k a year and definitely notice my 65k now doesn’t stretch as far as my 50k did back then, I would say to be comfortable and live a happy life you need 150k minimum between two people, this would be one of the first times I strongly disagree with aba and preach, rent for a three bedroom home or apartment in my city is $1600, that’s two weeks pay after taxes, I have two children, to feed us all for a month and only cook at home and not eat out will cost around $1200 a month if you want to not buy junk and try to eat a little healthier, then there’s fuel, I can estimate we use about $400 in fuel a month, none of this stuff includes your children doing extracurricular activities like sports or music and you can basically forget that on what I make, that’s a hard working miserable life quick right there, the essentials have gotten far too expensive period.

[@Dhdgcvnnnfx]

R u white or black?

[@P12ooF]

@@CASTRO45ACP damn homes. 10 years and only 10k in added revenue?!

[@P12ooF]

@@Dhdgcvnnnfx lol! Why? Lolololol.

[@jakes658]

@@CASTRO45ACP You're terrible with money. How the hell are you spending $1200 a month on groceries! I live a comfortable life making around $60k a year and i have plenty of fun. I even have enough to travel one or twice a year. Take a closer look at your spending... I also have two daughters that stay with me full time.

[@elcee3292]

I make 70k a year and felt like her for a while. Then I realized I ate out and socialized a ton, sometimes spending over 150$ a week on outside eating and socializing. I was pissed, because felt like I should be living better with that money. Then I cut out the excess outside eating and social drinking. Brought my lunch to work, cooked dinner every night. I was shocked how fast my bank account started to grow. One month early last year I spent over 600$ just eating out and socializing. This month I've only spent 40$. It's almost always poor decisions, not lack of money

[@ajh.4131]

Love this! And you’re so right!

[@chroniclesofcarolina]

Same! I make around 80k and I spend way too much going out to have fun and eat. Yes, CA is expensive but I don’t need to go out to eat every 3 days

[@kenji214245]

I constantly compare menu prices to how many meals I could cook at home in a week for that these days 😅

[@Joshtapus]

Second this, started making 80k this last year and never had that kinda money in my life so I started spending more than I should have. Now cooking every night and not going to bars as much and now I almost can afford to pay my credit cards off

[@786valerie]

@@kenji214245 I do the same thing (in my head) lol

[@YeahBoy1019]

When I hear living paycheck to paycheck on 120k a year all I hear is “I’m spending all my money on drugs”

[@saygee789]

“Going out to clubs when you can only afford sobriety” 😂😂😂😂 Top tier roast

[@kellyjohn7768]

That line took me out 😭😭

[@MF_DREADSUN]

That’s the one that got me too.

[@Ghosty716]

Line of the month 😂

[@jseehowitsbeen3177]

The immediate words out of my mouth after she asked her question were, “Because you’re stupid.” My husband is the sole income provider for our family, we have 3 children that eat like adults, and my husband makes less than this woman, and we aren’t living paycheck to paycheck. We don’t eat out, we don’t constantly buy new clothes, we don’t have credit card debt, we own our cars, and we manage to save money each month. It’s all about choices, and priorities.

[@mateaukalua4426]

Wow some people are really good with money while others aren't. My mom spends all the money she gets then borrows. My dad is pretty cheap but he spends his money on dumb investments and schemes 😂.

[@zawash]

@@mateaukalua4426 make sure you don't follow their mistakes my brother

[@barongerhardt]

I was able to live on my own with a growing savings account making only $12k/yr. Now I make over 10x that, but I still feed my family on less than $5 per person per day. Learn to cook, be thankful for what you have instead of trying to buy happiness, and gain meaning by donating and volunteering into a worthwhile community.

[@childlikefaithfilms]

Kudos!

[@LethalByChoice]

Legit. I make 30k a year and guess what? Wanna know the most BASIC ways to save money? Only buy shit you know you are going to eat or use at the grocery store. $70 is nothing as long as you are not retarded with your money. It's common sense.

[@BerryPicker101]

I was recently brutally honest with myself because I was tired of my own BS. Meaning, I said exactly what Aba said "You're struggling in every aspect of your life because you're making stupid and lazy choices. Time to change." So I budget and I stick to that budget. I have an account where I "pay myself" like a bill. It goes to my savings. I do not touch my savings. I stopped drinking and doing extra spending. I work, I go home. Every time I spend I confirm with my higher self that I absolutely need to do it and I write it down. I'm happier, more confident, I have a plan for myself and I have a better understanding of what living peacefully and successfully (for my own definition) is about. Most importantly learning HOW to make it happen and checking things off the list with a beaming smile and soul.

[@wbass243]

Imagine supporting a family of 4, a wife and 2 kids. Then you get divorced and you have to first shell out alimony and child support before you make your budget. If the average income is 35K.. This is a recipe for homelessness. Yes it falls on somones responsiblility to not get married nor have childrenon that income, but IT ALSO says alot about our society that the "american dream" is out of reach for the average person.

[@Whatdafudge927]

@royalacity Do you invest? If so, are you using any of your saved income for investments? Or do you factor it into your weekly/monthly spending?

[@lucymadelengregg4482]

Good for you:)

[@MMvaaaaa_1305]

Radical honesty with oneself and self accountability! I alone make this money and I’m struggling because in the past two years all I did is spend to fill a an emotional and spiritual void ! Spending is never the answer. Spending on credit even less so … mortgaging your future is never a good idea!

[@MusMasi]

Honestly the tone of her Triade was not that they were *struggling* but rather that they were not on easy street and living it up to the level that she thought they *should* be.

[@silentnytube]

I'm a full-time college student while working full-time making $18/hr. It took me awhile to realize that I spend a lot on partying and things I "WANT" that I didn't necessarily need. Been in debt before, been late on payments, etc. I look at my statements and my past history and was like Damn I need to fix some shii. Now I have good credit and actually living pretty well for myself without having to stress🙃

[@akamesb4540]

Congrats

[@Spongeward_Tentpants]

Both fulltime? How many hours are spend on both each week because where im from that means atleast 80+ hours a week

[@silentnytube]

@@Spongeward_Tentpants fulltime is 32-40 a week since it's bi weekly you would be right, it's between 64-80 hrs

[@jesuscarino7436]

Actually let's break it down... Combine budget $120k or $10,000 * 30% (taxes) = $7000 a month. Let's break it evenly 60k each or 5000 * 30%(taxes) = $3500 each person. And let's say they have students loans. Avg $350 each = $700 a month Food Avg $100 a week or $400 a month Rent Avg $1500 (it can be higher or lower depending on location) Electric, water, internet, etc $250+ (can be higher or lower) Car (loan and insurance) Avg $500 each or $1000 a month. (If they are not working remotely.) Entertainment service (netflex, hulu, etc) $40 a month I'm not sure if I'm missing anything but it looks like they save up at least $3,110 every month. So no they are not struggling unless their rent is above $3000. Which is insane like places in New York.

[@rogueknight5984]

Living beyond means

[@moemoe-jb2fw]

Rent is 2k+ in nyc and mortgage is 4k+ California probably worse and 35% in taxes

[@jackspar3010]

I just like that people cry about stuff like this because prices are high and hopefully it helps bring them down but a lot of people pay for unnecessary shit

[@Sid00077]

South Florids rent can get crazy, not NY crazy but not far off.

[@Theaverageazn247]

@@moemoe-jb2fw u also forget taxes are much higher there. cali income tax is like 10%

[@baileejaydee]

Social media has promoted lifestyles people think they’re entitled to and can’t afford 🤷🏼‍♀️

[@nope5657]

What do people feel "entitled" to? Is wanting to be able to just go to the grocery store without being afraid of breaking the bank really entitlement?

[@Matt-fh4bk]

@@nope5657 Get out of here. Nobody making 120k a year should be “breaking bank” to afford groceries. That just means they are financially illiterate. Live within your means, if you can’t go out clubbing every other day… don’t. Like Preach said groceries are definitely very expensive right now… but that is not an excuse if you have a good income. It’s the choices you make. The woman in the video definitely feels very entitled to live a life, which is way out of her tax bracket.

[@nope5657]

@@Matt-fh4bk Looks like you utterly missed my point and don't know how to read.

[@ImKevPev]

@@nope5657 lol me and my girlfriend make 40,000 combined in CT(a very expensive State) and still find ways to save money. I bet you anything this woman doesn't have a budget

[@Matt-fh4bk]

@@nope5657 I think I understand your point very well. No, it isn’t entitlement, to not want to break bank every time you go shopping. But we are talking about people like the woman in the video. No? As far as I understand, the video is about people living beyond their means by their own choice, whether they realize it or not. Looks like you need to stick the topic here, instead of bringing up an entirely different point that is not relevant here. This is not about someone who is ACTUALLY living paycheck to paycheck, because they have no choice. This is about someone who is living paycheck to paycheck, because of their daily life choices. Sure it doesn’t help that the price of living has skyrocketed during the last decade. The point is that just because you are making 10k a month… doesn’t mean you should blow 6k on rent. You have to learn to budget correctly. That way you can live comfortably, even at a time where everything is so expensive. She can’t change the price of eggs, but she is definitely in a much better position than other people. Because making different choices, could improve her situation substantially.

[@tooadorable]

My ex and I made 90k combined and we were able to save 30k in less than 2 years. Paid off $6k in credit bill and and 15k in student loans. We cooked, we shared my mom's Costco's membership and bought bulk items like toilet paper, cleaning supplies, paper towels and things that didn't expire quickly. We were called cheap by his family members but we never needed to borrow money from anyone.

[@brandyquevedo4281]

Good advice!!!!! Im still learning how to save money since i started a real job last year.

[@katarhall3047]

Yeah sometimes you have to buckle down, truth. But when you're making THAT much??? Oiy.

[@TheWutangclan1995]

People really underestimate Costco and these bulk shopping centers. A restaurant depot membership is jackpot if you have a restaurant manager kind enough to lend you theirs. May cost a little more but honestly it last longer vs doing the shopping at a grocery store.

[@aztech101la]

What state?

[@tooadorable]

@@aztech101la Massachusetts

[@andrewsmith9174]

Just to put my two cents: I finally broke the six figure barrier. I live in New England. Federal and state taxes, extra fees, the health care, union dues, and $1000/month in child support make my gross pay down to half. Mortgage, used car loan, utilities alone are at almost $4000/month, so that halves it again. Now I’m at a quarter for food, gas, clothes, sports fees and such for the son, car maintenance. Not much left there. So yes, I live paycheck to paycheck. Don’t go out, just craft beer is my vice. It’s sometimes where you live. Six figures in other parts of the country would be more than comfortable, not not here. Can’t wait to get reamed on my taxes this year too.

[@Dani.J.]

my best friend and her husband have an income of 150k a year which is well above average where we live. They are paycheck to paycheck and frequently use apps to make purchases then pay it off over time (like a credit card for people with horrendous credit), zero savings .. BUT, she does have multiple 500 dollar purses, 400 dollar sun glasses, 100+ dollar make up, he has all the newest gadgets and toys. They are living large and broke at the same time.

[@bbbbbbb51]

I couldn't be friends with someone like that. Too vain & annoying

[@tayh.6235]

My husband and I don't make that quite that much, but it is 6 figures and we live on like 1/3 of our take home pay. Then again, we both grew up in big families with stay at home moms. So our families both know how to act broke even when they're not. Our splurge is getting Starbucks once or twice a month while we walk around the bookstore and look at books we aren't usually even going to buy. Success is a combination of good luck and good habits. Habits won't get you there on their own, but bad habits sure can be your downfall.

[@crappyaccount]

what the hell...

[@crappyaccount]

@@bbbbbbb51 even if they werent super vain (which they prob are) i couldnt either. the sheer stupidity of it would drive me up the wall

[@RadicalJTK]

Times clearly arent that hard for her. She got her nails and hair done, Jewelry on her wrists and ears, fine makeup, good clean car. Just by looking at her I can tell she doesn’t have her priorities straight or really understand what “living paycheck to paycheck” is like.

[@MusMasi]

ikr?

[@-lord1754]

Dont forget about her massive tattoo thats clearly being hidden and most people wont see lmao

[@childlikefaithfilms]

Yep. She was looking for attention.

[@demetriusmarshall8226]

What does having nails hair and makeup have to do with it looking bad doesn't equate to being poor or struggling and vice versa

[@cecee3480]

We have to look good if we want to get anywhere in life. That’s just how it is for women.

[@MinuteMen_Gaming]

I make 6 figures solo, and I can honestly say that until I was in my 30s, I was making terrible financial decisions. As a dude raised in the hood, I was not financially educated. I could have owned a house by now and more, but im older now and doing better. Budgeting and being responsible with your money is something everyone should learn. I educate my little cousins in high school and college now, things that took me years to learn.

[@lovevideojuegos]

Where tf do you get financial education???

[@lovevideojuegos]

Do you have any resources/tips that could help us out?

[@thelonestranger777]

​​​@@lovevideojuegoswell my long post got deleted before I could send it. Long post short, there's tons of KZbinrs like minority mindset, Erica Williams and Boyce Watkins that do financial videos. Also there's tons of free information out there on the web so just read. In all honesty, most people including myself were just living beyond our means and racking up credit card debt. Of course at some point, you simply need to be making more money to keep up with the expenses as they go up on price.

[@MusMasi]

@@lovevideojuegos his post says he was raised in the *hood* so I guess he got his education in wherever the *hood* is.

[@naynayjones9166]

You also can get free financial education if you use local resources call your local 211 or information cause financial literacy you can get free when looking for homes and certain home loans

[@igna413]

“I’m too broke to be an addict” is probably the greatest underrated like I’ve ever heard.

[@jrisbak]

Some people conflate paycheck to paycheck with not being able to do the same things as the people their age or friends can do

[@jrcrit8843]

What they fail to realize is that those ppl are faking it on social media. Most ppl in there friend groups are struggling too because they are all part of the cycle. Live beyond my means to make it look like I got it

[@verb0ze]

The pandemic has really shown me how much money I was blowing on unnecessary stuff, like restaurants, ordering food constantly, going out to bars, etc. I literally had 1k in my bank stuck at home during the pandemic, not being able to spend frivolously on things I didn't really need or enjoy. I've picked up a knack for meal-prepping now, and now it literally hurts spending outside when I KNOW I could have made the same thing at home and saved $15-20. It adds up quickly!

[@Ravenbones]

But it wasn't a problem before the pandemic though, inflation has really hit THAT HARD to the point where the current wages aren't being enough anymore, blowing money or not.

[@jayzenstyle]

@@Ravenbones sucks for city folk I guess. Fortunately, I can grow my own food in the family land.

[@ashleysanford8645]

The thing I usually do is ask myself how many hours would I have to work to pay for this? And then I decide this is not worth 12 or 15 hours of misery! And then I just leave the store!

[@CharlesH-t9r]

@@Ravenbones I am disabled on SSI and I never went broke over food even being a vegetarian which in honesty, it's not more expensive most people just have warped taste buds and haven't trained themselves to relearn tastes I love rice with olive oil, grilled tomatoes and grits without salt

[@joegomes1352]

That's light I spent 40k in 30 days on coke,no biggie already made it back and I'm going to do it again

[@ChickVicious237]

13.00 eggs didn't suddenly cause you to start living paycheck to paycheck.

[@Aqwtiny]

Definitely doesn’t help.

[@paigelovette8156]

Um...

[@beasy2055]

Well if eggs are 13 and every other grocery is also double the price yet your salary didn’t double then yes it does make it hard.

[@mitchellbrough1615]

Eggs are $13 in dollars in America? Jesus what's wrong with your country? Are these super eggs, do I get powers if I eat them? I wouldn't pay over £3

[@ericapaquette9624]

@@Aqwtiny 120,000???? 13 dollar eggs aren't damaging her!!! She got credit card debt, brand new electronics/car, bills but EGGS???? No no no

[@aaronkinney6004]

I don't even know how I'd spend 120k a year. I mean, I can for sure, but my entire lifestyle would be flipped on its head.

[@kunya16]

My husband and I are raising 3 kids on 55k combined. It's a little bit of a struggle, but we eat well, we own a house, we have three cars (never have made payments on cars), we're still going to take vacations now and then etc. With 120k a year I can't even imagine what we could do with that. People just don't want to live within their means. Big car payments, all the subscriptions, eating out or ordering food in multiple times a week, drive through coffee most mornings, instead of waiting to buy things they just charge it to credit cards etc. All of that will bankrupt you no matter what you make. If you don't keep a good budget and control your money it will control you and no paycheck will ever be enough.

[@bela-sofia34]

That's a respectable way to live. If you had to pay rent or a high mortgage would you be able to not stress constantly? Do you rely on a church or family for help? I ask because I know not everyone has support and it's hard doing it on your own.

[@kunya16]

@@bela-sofia34 we have a house so we pay mortgage. It's a somewhat high mortgage, but less than a lot of people pay for rent. We're not relying on church or anyone for help. It can be stressful, but we deal with it. We're not paycheck to paycheck most of the time. 120k would blow my mind.

[@bela-sofia34]

@@kunya16 I figured so that's why I said "high mortgage". 😌 Bless you and your family! Living within one's means is nearly a lost art in America. If I had $120k a year I would absolutely feel well off, be able to afford a vacation and such.

[@kunya16]

@@bela-sofia34 our mortgage is $1,700. That's low for some people, high for others. For our income, it's pretty high. We do a lot to save money, I'm very frugal. With 120k we'd have fat savings accounts and probably pay double mortgage payments often to get that paid off.

[@NAT-turners-Revenge]

You forgot to mention you live in indiana, alabama, Kentucky, Michigan, etc 😂

[@EcchiOtakuTM]

People confuse "living beyond your means" with "living paycheck to paycheck".

[@AWEqddqeqeds]

They are not mutually exclusive

[@ha-kh7ef]

@@AWEqddqeqeds disagree

[@uVueD2b]

...and I might add that how much one makes a year isn't how much they bring home.

[@razena1732]

The 'traveling twice a year and being able to afford it because you go to where you can crash at a friends house' hit me, because that's exactly what my parents do. They met a lot of people in their college days, and since it was an international college, they have friends from literally all the world. My dad is also a pastor and because of that visits a lot of people and is invited to quite a bit of places whenever we are in the area, so we very rarely have to buy a hotel. Many people seem to talk about connections like it's a bad thing just because it's convenient, but connections are really good because they are convenient.

[@TFD.aep2]

Nobody talk about connections like a bad thing, they talk about commodifying human connection which is the whole reason anyone tells you to make connections lmao

[@moonknight4053]

How do I make connections?

[@ExposetheManosphere]

I've always done Airbnb. I would stay with family but many of them are homeless or don't have room. So visiting them is a pain.

[@spitfirepaintball16]

@@TFD.aep2 agreed! Better to build relationships with people!

[@mac1bc]

@@moonknight4053 communicate with different people and spend time with them. My lady is outgoing and good at meeting new people. It has helped when we have someone to visit when we go to different places.

[@indo604]

It’s good to see you guys still going always good content not just reacting but giving ppl some actual wisdom much respect

[@onege4460]

I am an African, we are taught how to stretch a dollar. I am very good at managing my money. I don't follow friends or care about what people think about me. I only care about my needs and family's needs. I don't compare, compete or complain. My parents taught me to avoid debts, I pay only for things I can afford.

[@rvziel_kain]

Salud!!!. I like what u said here.. My Mum also taught us this. We barely talk about money becuz Don't compare, compete, or complain.... buy it if u can afford it. If its nt within your means, keep it moving. If you can't get it now, trust me, it will ALWAYS be there later. No rush. Needs > Wants.

[@QuanBrown27]

- You are right, I try to follow what you are saying 😀👍.

[@theeggtimertictic1136]

I'm Irish and I was reared the same 👍

[@roymuthee5094]

2023’s motto: “I’m too broke to be an addict” ~ Aba

[@OxygenSWAT]

Too much truth in it.

[@TomikaKelly]

😫🤣

[@Junethe_month]

It’s strange to me when I hear these kinds of things and people say that nobody taught them to be able to take care of themselves. Nobody taught me either, but my situation was so desperate and bad that I couldn’t afford to let that be the excuse to not do anything. I had to teach myself

[@j.t.5477]

There are people who make way less than 120k a year living fine, because there's this crazy thing called budgeting and not being stupid with your money

[@jakublanca5535]

Aba, thank you for the "going to the club buying drinks when your ass can only afford sobriety". You made my day!

[@gothica3605]

It’s weird for me to see people who make 10x more than what I do, actually “struggle” to make ends meet. The fact that I’m on a fixed income and, manage to have more money left over than these people, is insane. I get that food inflation is a hell hole right now, but all you have to do is be a smart shopper to prevent going hungry. What I tend to notice is that people don’t keep track of what they’re buying while still shopping around. They just toss random things into their cart, and then get “shocked” when they see the total at checkout. All it takes to keep track is the calculator your phone. When you set up a budget and, add everything up, you will make compromises then put things back on the shelves. I tend to live off of cheap cuts of meat such as chicken thighs and. Get whatever is on sale. I always make sure to have a freezer full of meat, just to be cautious.

[@MrEvldreamr]

Its extremely common. I work as a financial advisor all I see is paycheck to paycheck. Either brokies living paycheck to paycheck or large income earners (over 200k yr) living paycheck to paycheck.

[@Copilot1204]

@@MrEvldreamr The fact that they’re intelligent enough to make 200k a year and still living pay check to pay check is beyond me. How do you enjoy your job as a financial advisor?

[@MrEvldreamr]

@@Copilot1204 its hard af if youre in sales, there are companies where you can work in investments without all the sales BS. But to answer your question, as ppl make more they spend more. For example, why drive your old toyota when you can afford the bmw? Why settle for a regular home when you can upgrade to a smart home. Ppl chase opulence in this country

[@codemiesterbeats]

I am really good at estimating the price of the items (firstly I do pay attention to the cost) but when I don't know exactly I can take quick inventory estimating prices by rounding up to the nearest whole dollar and usually get within a few bucks.

[@SG-lc6vi]

I do the same and have plenty to spare while making 50K less. She’s probably not saving for retirement either, just living lavish and crying for more.

[@aidanmartin7923]

One thing I love about you boys is that you both lived near enough to the bottom to know the world down there. You both are clearly level headed people. Now your hard work and talent have paid off, but you haven't lost the mind set👏👏👏

[@mysticstrikeforce5957]

Yes as the rich forgets to have wisdom but teaches people how to make mistakes with you're money like asking poor people hoe to do crypto

[@MossMan1985]

Amen

[@nishisalott1839]

This right here!

[@xci_radio2211]

That's what keeps me coming back👌🏿

[@abelramirez7320]

I've known people who complained about being broke as fuck, not being able to afford basic needs or support their children, but somehow always had enough money to buy weed lol

[@lnvesta]

My dad, by himself raised an entire family with 5 kids, mom, and grandma with 20-40k a year for the past 2 decades. He came to America as a immigrant in 1995 from a war torn country to give his future family a education. He didn’t know any english, didn’t understand the culture or anything but be still made it, I’m so proud of him and I wish to be like him one day.

[@grayantihero6059]

Comparing cost of living 20 years ago to now is apples to oranges.

[@richarddrapeau7599]

Well done sir. Pass that on to your dad and mom.

[@crappyaccount]

@@grayantihero6059 this is true, but even with cost of living skyrocketing, i dont think there will ever be an excuse to be like the woman in the video

[@punani_slayer4209]

Dude back then you could afford your own apartment and car with a minimum wage fast food job. Things are not the same right now

[@74rocktiger74]

Y'all people in the replies are lost as fuq, saying you can't compare then to now. Grow up and do something for yourselves like OP's father.

[@rellsimon]

I was 60k in debt (loans, credit cards). I dug out and became debt free on 03/2021. Started my own podcast and writing articles. I told myself as long as i benefit positively on 1 person from my stories and what Ive learned, ive done my job in paying it forward. The most important thing you can do is erase debt. Gives you so much more of a cushion

[@loonietunes22]

Congrats on getting yourself out of debt!

[@snapeinvader]

How long did it take to get out of that debt?

[@greenecarlos93]

I’ma check u out bro

[@Iceisthegoat]

I will probably never apply for a credit card, I don’t trust myself with it, if I can’t afford it with cash Im not buying it. I’d like to be debt free for life.. :) yeah that means I won’t be able to buy a 2023 car and do payments on it, but that’s ok with me! Im not a big fan of cars anyways, they just get from point A to B

[@rellsimon]

@@snapeinvader from fall of 2017 to March 2021. So 3 1/2 tears about. Could have been faster if I wasnt on my BS lol

[@justbelieveinyourself]

Imagine making 6 figures and having no accountability on yourself and your spending. You’re not poor. It’s on you.

[@bunnyboo6295]

No, they are the workers those in that Brack might not have medical coverage they don't have help with housing or receive free food or any handout.

[@harleymitchelly5542]

@@bunnyboo6295 Cool. 90% of that is functionally superfluous. You're making $120K, if that ain't enough, you either live in a terrible rental market and should GTFO anyways, or you're living above your means. She already said lentil pasta. Aight. I know she's buying luxury items. That tells me she's not budgeting well. If she really and I mean REALLY wants to get out of this, cut out literally everything, save your money, and buy a fucking trailer home. There goes 90% of your problems.

[@manbabymonke]

@@bunnyboo6295 what kind of “workers” are making a combined income of $120k a year?

[@bunnyboo6295]

@@manbabymonke Plenty when you combined 2 average incomes. We are combining to working adults.

[@manbabymonke]

@@bunnyboo6295 you describe them as if they are slaving away in the rice fields all day.

[@FinalTroop]

I know people who make 200k a year and complain about things being too expensive. Then when I see their expenses its like they bought into consumer life style.

[@briankepler6539]

I work in a pretty well paid field and I've heard people complain about this before. So I ask the ones I know a bit more personally to lay out their monthly budget. Almost always you find they are either overpaying for housing, eating out a lot, or took out an exorbitant amount of debt. Most people can cut back if they really needed to, they just have convinced themselves that their way of living is the only way of living.

[@BerryPicker101]

Very well put. 👏🏾

[@the90sbrain]

Exactly, and let's not forget just a little over a year ago folks was going broke for Playstation 5s. Same people shocked and complaining about prices and inflation that they created.

[@ky9616]

Good luck finding any rent under 2k bro if everyone if overpaying for housing then it's not overpaying its just normal to pay 2k for a roof over your head. And people wonder why there are people who rather sleep in a tent.

[@briankepler6539]

@@ky9616 Good luck? You act like no one else in the world has ever had to rent in a big city. Hate to inform you, we all have. I was paying $1600/mo for a nice apartment in a safe part of one of the largest cities in the US. And I still could have gone cheaper. I was paying for the luxury and because I had the funds for it. Prior to that when I was still trying to break into my profession I shared an 4bed apartment with 3 other roomates for $600/mo. Apart from the extreme markets like Hawaii, if you can't find anything cheaper than $2k/mo and it's eating up too much of your budget. I hate to break it to you, YOU CAN'T AFFORD THAT AREA! You better move! There's no shortage of cities, even big ones, where there's decent and affordable housing under $2k/mo. There's only a handful of markets that are that insane. But as is the case people come up with millions of excuses why they couldn't possibly be in any other situation besides the shit broke situation they're in.

[@ky9616]

@@briankepler6539 lol bruh I have 5 roommates and everyone pays over 1k and we have to be here because you can't go to university in a small town. Gotta get a bachelor's degree bro and gotta go where the opportunities are. I can't stay in my small town forever wallowing away hoping I save enough for university one day, that's not how life works buddy.

[@Mr.man712]

.... Man.. 120,000 a year is CRAZY GOOD MONEY! Unless they're over spending on important things like paying off a Mortgage and car payment to get it done faster I don't understand why they'd be broke.... Even then, they can live off 300 dollars for 2 weeks if they really make a plan. Recently I was getting take out everyday for a week and found out I was spending DAMN NEAR 40 DOLLARS A DAY!?! Shit is crazy just gotta make a plan and budget budget budget! I make 18$ hour and got a bullshit semi-monthly paycheck so one check is usually bigger then the other.

[@Royalbloodline1990]

Or they live in NY OR CALI, where $120k is really like $70k (TWO people income)

[@gucciguy3408]

Oh yea take out and random outings are the highest especially for young people and people who don’t cook it gets worse with doordash and other food apps.

[@velvetblue2285]

@@Royalbloodline1990 that part!!!

[@woodwyrm]

ikr!

[@shettywap]

@@Royalbloodline1990 and them taxes are.....PHEEEWWWW

[@g.allen0888]

My family of four live on one income - 62k a year. My husband works, I homeschool, cook from scratch, thrift, etc. We make do, and I'm proud of it.

[@LethalByChoice]

What state/country do you guys live if you don't mind me asking? I feel there are some areas more expensive than others so this is important.

[@g.allen0888]

@Daren it surely is. For privacy reasons, I will be vague and say I live in a somewhat rural part of Pacific Northwest in America, on I5 (which is why it's somewhat rural and not truly rural.) We are for sure cheaper than somewhere like LA, or NYC, but frugal living and wise choices are still required to sustain. Most families in the area are on two incomes.

[@madkvideo]

I need one like you

[@bela-sofia34]

Ziplock bags and foil aren't general necessities and neither is lentil pasta. I have survived in Southern CA on $1000 a month without the help of any family etc. (as I don't have them) for so many years. Saying her and her partner live "paycheck to paycheck" on $120k a year when I've been actually literally living paycheck to paycheck on $12k a year is simply offensive to me.

[@rex_f6822]

As someone who’s young and dumb, I needed this video. I’m terrible at spending and even worse when it comes to saving. I’m fortunate enough to have gotten through freshman year of college without taking any loans and dropped out when I realized I wasn’t even going for what I wanted to do. I’m not in any debt and don’t really have any bills to worry about, but the money in my bank account doesn’t reflect that. Imma tighten tf up and start being smart with my money now instead of waiting for some horrible situation to happen to wake me up and change my habits

[@CircusofPython]

Entering your 20s with zero debt and a drive to save money? You’ll be so thankful once you hit 30. That’s the dream. If I can go back and do one thing, it’d be that.

[@applefarm6126]

I recommend watching ‘your rich bff’ on KZbin that helped me, and also ask any knowledgeable guardian about what you’ve learned and see if they recommend it, or can refer you to someone in the field. Also paying credit cards off in full, and not paying the minimum payment (because they will charge you the interest (APR) on what you haven’t paid back at the end of the month if you’ve only paid the minimum and they will keep doing that until you’ve fully paid it off) helped me.

[@Alecexo]

Same I spend so much and blow through savings but now doing school and work and needing money for food, supplies and transportation is waking me up

[@illestvillain1971]

@@CircusofPython lmfao this is me also but college here in Ireland doesn't consume multiples of my net worth and throw me in a mandatory debt hole like the US. I don't understand how people let their spendthrift go unchecked. I feel hurt when I see my bank balance drain on discretionary stuff and always weigh opportunity cost, budgeting food and necessity expenditure heavily

[@brooke9847]

With the cost of everything going up, we had to reexamine our budget and adjust; especially with a baby on the way. We switched to getting groceries from Aldi, eat out less, and my husband shot two deer this season to fill our freezer along with fish we caught all summer. We also canceled a lot of our subscription services. It sucks but having grown up living pay-check to pay-check, I never want to have to do that again.

[@Daoless]

You’d be surprised how many people do not know how budgeting works

[@improvwithlions4173]

Sounds awesome, I love the plan. Good luck with the pregnancy and child!

[@bbbbbbb51]

@@Daoless honestly it's not even something I've done on paper since I was fresh out of high school. I don't really understand how someone *can't* know how to balance a budget. You don't spend more than you earn. That's it. Minimize expenses & downgrade what needs to to adjust. What's complicated about that?

[@Daoless]

@@bbbbbbb51 Never overestimate people’s intelligence. A lot of people live above their means. Massive debt and paycheck to paycheck for that very reason

[@ArielGonzalez1]

nah, they (or should i say she) don't know how to budget

[@acidgambit8138]

Instant gratification. Being irresponsible. Not willing to sacrifice and prioritize are all problems of people that earn a decent amount and still struggle.

[@ricardoh87]

These are the kind of people that cause inflation

[@jamesdagmond]

My wife and I live good off half that much. We own a house, have two cars, we eat out 2-3 times a week, we go on vacations. Hell, I'm in Singapore right now chilling. I don't understand how you're struggling on 120k.

[@Ben-fm1tp]

As someone who makes slightly less than 120k she's either living somewhere she has no place living or is spending like there's no tomorrow. Y'all are right

[@Kiyoooooo]

That! I see a lot of people on KZbin who rent apartments in NYC for $2k-9K and are complaining … idk it’s just weird

[@NeptuneGuy78]

The video states that the 120k is between her and her partner.

[@Ben-fm1tp]

@@NeptuneGuy78 then they are likely making more post tax than i am

[@NeptuneGuy78]

@@Ben-fm1tp I would assume so.

[@sotonin]

120k in california is still considered "low income" poverty line is around 100k. So....yeah. details. depends where

[@vynilrob9719]

"Everything is a balance between the system and the individual..."...that was a verbal punch to the chest right there!

[@Graveyard-Senpai]

Agreed. If they make 120K a year, they must be making poor money choices to be essentially broke. My guess is, they're both buying luxury items, gambling, or live in a house they can't afford

[@Graveyard-Senpai]

@@Anonymous-ld7je Agreed. I think people are too concerned about luxury items due to pride/attention. There's nothing wrong with maintaining a decent appearance, but there's no need to be broke due to living outside of your wage

[@harleymitchelly5542]

@@Anonymous-ld7je Yeah. I'm sitting back and laughing at those new cars because I'm rocking an early 90's Oldsmobile that is still comfortable and I don't need to worry about a friggin' payment. And If I'm really gonna be honest, it looks better than most of these new cars despite being a granny sedan. Granny had a lot of good ideas when it came to her sedan if I'm gonna be honest!

[@mr.justjuice1173]

It’s all about the Choices we make and whether we are holding ourselves accountable for our CHOICES that is all that needs to be said.

[@vmbay2212]

🎯🎯🎯🎯🎯

[@swayitocarl]

Preach!!! I had to restart my life and now im making 60k a year. My first job on my way back up paid me 12.50 an hour and with that I budgeted properly, got a roommate to drive down living costs, learned to cook on my free time to bring my food costs down, and one day at a time I was able to impove my situation. I love looking at my bank account now because im stacked from making good choices for me, and soon i’ll be buying my first property to move into with my love. Life is a culmination of our personal choices, and how we respond and adjust to life’s obstacles. Too many people on some weak knee baby bitch shit and what they need is financial education and real friends who celebrate their small growth and encourage good financial habits. You are the people you keep. 🎉

[@agungp.2580]

You better have a prenup before you marry, especially if you are us citizen

[@Iceisthegoat]

@@agungp.2580 preach, 50%+ or more of them will fail. But people are stuck in the love faze and ignore the statistics.

[@nishisalott1839]

Wish they taught actually financial education in schools.

[@obtuseangler768]

@NishISAlott wish people payed attention in the math classes my taxes help pay for already. Our teachers are a lot of the problem, I clearly remember many of my teachers growing up just didn't like their jobs. It was obvious even to a child.

[@tiffanynelson1467]

Well good luck to you ♥️💛

[@shyguyx1219]

I grew up poor and seen my parents REALLY live paycheck to paycheck. I think this couple is living way above their means and wanna keep a certain look due to ego or whatever. $120k for me would be amazing money.

[@danibanany]

exactly. I think it comes down to discipline, growing up also below the poverty line you learn what are NEEDS and WANTS. so she’s definitely living above her means.

[@ruthosornio7779]

Same...my parents live off of 40k-50k together...we would have 120k ...geez lady!

[@ethxo6734]

I went to aldi yesterday and spent just under $70 and I was able to get a bunch of fruit, pasta, cheese, salmon, chips, olives, and honestly a bunch of other random things. So I think she’s stretching the truth with her Walmart story…

[@lynef]

70$ or euros?

[@ethxo6734]

@@lynef $70 USD, I live in Michigan.

[@pastelsploosh8914]

I do not know why she goes to Walmart.. there are cheaper alternatives other than Walmart. Dollar tree, dollar general, probably the local food market/store in poorer neighborhoods. As a person who lives in a middle income home, you best believe our shopping lists consists of traveling to different stores for the best deals, especially when it comes to food.

[@usedforks]

If she expects us to believe food inflation is causing her to barely scrape by on 120k, she is not stretching the truth she's straight up omitting it entirely.

[@CharlesH-t9r]

I got on Amazon and Walmart for my groceries I pay 100 per month and still have $150 left in case on an emergency

[@jackm3672]

To summarise this in one sentence. You're earning great money, but spending greater money.

[@eleazarabrego4596]

I've climbed from 20k to 40k the last 5 years. 3kids and a beautiful wife. Definitely paycheck to paycheck, but every year we're better than the last and improving. Blessed 🙏

[@Libtardo123]

That’s rough raising that many kids, but you’re lucky to have a family.

[@mizyvibes6728]

Woooo boy I agree, this video could’ve been just 10 seconds. I damn neared laughed up a lung 😂

[@ericapaquette9624]

Seriously like girl how many eggs are you eating to struggle 🤣🤣🤣🤣

[@CutACrow]

A big money drainer is forgotten background subscriptions, I remember thinking about services I don't use anymore (Streaming, Old online game memberships, promo things and forgetting to unlink your card) You'd be surprised how much money you can save from the small stuff like that.

[@Slipatoek1]

I know I sound like an ad rn but truebill helps you find these and cancel them on a click. Lots of money saved

[@erad3035]

At most, it's a few hundred dollars. 120k is 10k a month pre-tax. A couple hundred dollars is not going to make a difference for idiots.

[@milescoleman910]

I agree on subscriptions. Not that it’s a lot for the person but companies moved to subscription model over the last 20 years because of this very fact. Microsoft not happy with upgrading its office suite for 100 bucks every few years and making the old one obsolete, moved to just ‘send us a hundred a year every year forever and stop worrying about it’

[@ShadowElectricity]

Its a big money drainer? Not really though? Who has more than like, 5-10 aubscriptions at like 10-15 dollars a month? That's still too much imo, but its not a massive money drain.

[@CutACrow]

@@ShadowElectricity you'd be surprised on how many people have a ton of different streaming services. Let's say you subbed to 5 services for 30 bucks a month. That's 150 bucks you just saved, that's a trip to the grocery store or a couple tanks of gas and that's only 5 services, some folk have even more than that. I'm just saying online its super easy to spend money yall trippin over me saying the word "big"

[@RagnarokGenesis00]

The problem isn't the necessities. The problem is everything, but the necessities. If you have problems on necessities start thinking about wholesale; hone in your options instead of wide variety. Reuse as much as you can. e.g. ziplok bags. obviously if it has come in contact with contamination, you got two choices; soap clean or dispose.

[@kennethephiferii3199]

I’m so grateful for this video. You guys just gave me a brotherly-love chin check. I’m a 38 year-old Army veteran & I’m not happy with my financial situation yet I know, I need to make better choices when it comes to my money. THANK YOU TWO FOR BEING THE WISE WORDS I NEEDED TO HEAR.

[@Tryezz]

Y'all droppin' bars on this. Everything worth while (money, goals, mindset, etc.) will take consistent effort, planning, and responsibility. Present day sacrifices will lead to long-term growth and goals being reached.

[@WillMakesGames]

When money starts getting tight, the first thing I think is "alright how am I gonna pull more money into the home" that's how I jumped $7+ per hour in 2 years, change jobs and on top of that took the skills I have and started a side hustle. I feel like the more you develop yourself as a person the more avenues of income you can have to generate wealth

[@djangomarine6658]

Good job, but remember, it's not how much you make, it's how much you keep.

[@WillMakesGames]

@@djangomarine6658 true, I'm still young so much of it doesn't get kept due to living in general. But I also acknowledge that I don't exactly l I've like a pauper. But when times get stretched, I grind a little harder. Finishing my degree in two years, in IT, that's when the investing starts

[@oudriey]

My parents combined make 70k and they buy more expensive things than her. They raised 2 kids and a pet and they still arent living pay check to pay check

[@_shumba]

When it comes to saving, you have to "live like no-one else now so you can live like no-one else later". I learnt that principle a few years ago and I have found it to be very true.

[@brutustantheiii8477]

Dave Ramsey?

[@_shumba]

@@brutustantheiii8477 Correct, I may have heard it from someone else first but he popularised the statement.

[@vmbay2212]

Dave Ramsey Is The G.O.A.T!!🐐🐐💪💪💪

[@Wickit96]

I used to be 60k in debt, trying to help others when I shouldn't have, and just said I'll get to it at some point. Mindset shift is all it really takes. I stopped eating out as much if at all, maybe once in the weekend and only did value menu items, water only, and that also helped me lose weight. About 60 lbs over a year or so, got myself out of the debt, have my dream car and multiple cars and bikes now, because I started living below my means like I used to. Took advantage of being able to live at home and saved money that way, and moved into a nice ass house with some buddies. Couldn't be happier and damn sure couldn't imagine being stuck like that again, and even to this day, I still live like I did at home, spend a minimal amount on what I need, and keep saving the money even tho I make more now. All this was in socal with 30-35k a year

[@MrEvldreamr]

Why were you 60knin debt? From your lifestyle or was it student loan debt?

[@Wickit96]

@@MrEvldreamr life style decisions, cosigned a loan for someone I shouldn't have, irresponsible with credit cards, just young and dumb

[@conductingintomfoolery9163]

@@Wickit96 that was retarded

[@wrenchguy2937]

I will say this. Paying off debt is the best feeling in the world. All that hard work and consciously making an effort to better your life is so valuable.

[@zguy95135]

It depends where you live, 120k doesn’t go very far. There’s always stuff you can do to save money though. Smaller place, older car, cheaper groceries etc. We live in the bay area and back when my gf (now wife) were making ~90k combined, sounds like a lot but thats renting a small room, cooking cheap meals at home, commuting 2hrs and not going anywhere money. We’re doing better now and (are grateful to have scraped the pennies) for our tiny house but I still have to budget pretty hard and save money where we can.

[@CatsInHats-S.CrouchingTiger]

That video brings us closer together. She said she spent $70.00 on eggs, milk, aluminum foil, pasta & some meat and pet food. That doesn’t include gasoline which would throw that all under $200.00. She’s valid in the sense that a year ago, it would cost 50% less. So, it didn’t hurt to just grab these basic for $35.00 What she’s really expressing is, whether it’s going to increase even more now that they’re always alluding to shortages and price increases. She’s actually sympathizing with others, who live on a much smaller salary. The situation is concerning, and RIGHT NOW is good time to share your knowledge on how to stretch the buck and make food last longer on a tighter budget.

[@lottaek1202]

Yes! I honestly wonder how people who were on zero or slightly in a plus by the end of the month a year or two ago are even surviving right now. The inflation is more than concerning and it makes me dread the future.

[@ericswag8465]

@@lottaek1202 its the government fault and mega coorporations fault. But Aba and Preach will say "wow just pay 1 dollar for each egg and stop complaining" Yes the woman is dumb, but she is also right about inflation. The government should be held accountable, but Aba and Preach will never say it like it is.

[@lottaek1202]

@@ericswag8465 yes, I usually agree with them, but this time they annoyed me a bit because I felt like they pretend that crazy money stretching is a virtue. It's sometimes a sad reality, but it's not something to aspire to. And I definitely don't agree with calling her stupid and lazy for wanting to be a comfortable middle class. Like, pretending that if she's not living on a minimum wage and barely surviving, she has no right to complain. We are all affected by the inflation together and, sure, it's first devouring the people who earn the least, but it's coming for most of us very soon.

[@ericswag8465]

@@TheMrPorter the FIRST step is to blame them openly and publicly and stop playing into the narrative of "complain less and get used to hyper inflation" Blaming ourselves only tells one thing to the government: "these peasants dont even know who is responsible"

[@stevenr7813]

@@ericswag8465 Blaming the government IS blaming ourselves - if you live in a representative democracy anyway. We select people to represent us. If you can do it better then run for office. No one cares more about your situation than YOU do. If you think for a moment that complaining/crying to some politicians is going to improve your life more than your decisions and behavior then you are just ...... adorable.

[@siebs888]

28 year old man here. Live by myself here in the Phoenix area, I make 80k yr and that's PLENTY to live off of, Phoenix is creeping up to California levels of affordability. At our price point, personal financial decisions/discipline is required. I just don't see how this couple can complain they're paycheck to paycheck at 120k; they need to reevaluate their debts and lifestyle. I grinded my ass off to pay off any Credit card/automotive debt I had to afford a home.

[@strikers820]

Having grown up poor I really got to understand that saving money is hella important. Sure things are getting expensive but you are ultimately the one who controls your money. This lady I felt like she was off something and I'm glad my suspicions were confirmed.

[@izzylandyt]

Yeah I think that advice is meant for delusional spoiled folks like this chick. If I had $120K, it would be IMPOSSIBLE for me to struggle with paying bills. I could get food delivered monthly and STILL be set for life. Now if I had a big house and nice car, then maybe…

[@maury5883]

Ngl I gotta give up the tree. Once yall started I was like oh fawk that's me lmao

[@rodrigorodriguez509]

Also to the honor of Christ the Lord and your responsibility to your family and community

[@Alanms2]

It took everything in my body not to click away trying to make it through her video

[@illustratyr3620]

This is literally my mother’s situation. She has made 6 figures for at least the last decade and has nothing to show for it. I found out recently she was in tax trouble. This is being financially irresponsible

[@mysticstrikeforce5957]

I mean this how people become broke and society lies to young people that u need to show off you're money in order for people to look at u but in reality it's all lies. People will see u and use you and I see it happen to where people realize who their real friends were wa ts they don't have any money to spend on their friend. So for now I'm the true rich people which I'm doing is not grabbing people's attention and looking like I'm rich but be confident in looking poor so people won't use me for my money or hang out me with cause I got nice things

[@Freeze_Art]

I lived in Seattle with a min wage job, my rent was 1.4k (not including utilities, plus groceries) and I lived paycheck to pay check. YET I was still able to get a dog and feed her as well and get her stuff when she needed it. I also bought some luxury items when I could afford it. She's just bad with money, point and blank. Edit: This was also 3 months ago that I moved out of Seattle too, this wasn't like a "back in my day" type of story, this is during the recession.

[@bubblehead4270]

Seattle is expensive. My wife is from there and I was stationed in bremerton during the pandemic.

[@Freeze_Art]

@@bubblehead4270 I couldn't imagine growing up there, when I was younger I thought Seattle was gonna be amazing... Nah, it's nothing amazing and it's super dangerous and expensive lol To be fair, probs like 10-20 years ago it probs was pretty good, but now it's just a cesspool imo

[@bubblehead4270]

@@Freeze_Art yeah puyallup is becoming dangerous now

[@sharpenedge]

Go look up Shaq talking about how pitiful his financial decisions were with the small fortune he was making early in his career, and how lucky he was that he managed to continue making money in the NBA and find financial advice / wisdom, because otherwise he would have spent himself into oblivion and been left with nothing to show for it.

[@ajtaylor8750]

I remember when Kawhi Leonard signed his first extension with the Spurs, which I think was like $96M at the time, but the mans drove an old pickup truck and used coupons at Wingstop to get discounted wings. I'm like "Mans gonna have his money forever with decisions like that."

[@davidgarcia32323]

A wise man once told me if you spend less than you make you’ll never go broke.

[@bebbo]

Ive got a friend, 20 years old, no job for 4 years and ordering food, clothes left and right but complaining about being broke. Then she mad we dont got time to chill with her. Girl we out here WORKING for our LIFE

[@Kratos510e]

Must be nice to still be living on mommy and daddy money at 20

[@CandlelitScares]

It depends on where you live too. 120k can have you live high class in some parts of the country such as Tennessee while 120k in a place like New York City where the rent alone can be 55k a year it could prove a little more difficult

[@DennysGrandSlam2]

bro 65k is a lot to have left over even considering how high prices are in NY especially for 2 people

[@magmat0585]

Yep. Also taxes, I live in TN and we don't have a state income tax, just a state sales tax at around 7.75%. Cali has both, with the state sales tax at 7.25% (so about the same), and a state income tax going up to 12% depending on how much you make. Add in the fed thievery and in Cali/NY you're losing significantly more than in other states.

[@KeekeOrb]

@@DennysGrandSlam2 don't forget that $120k she is talks about is gross. Their net pay is much less.

[@awsomegirlpower476]

It can't be NYC! A carton of eggs isn't $13 here! But even in NYC, yes, rent is crazy, but it all is about your choices here. If you're in Manhattan, then you will get screwed since everything is expensive and the city has its own tax for residents, but if you live in Queens, The Bronx, or parts of Brooklyn, it will be cheaper overall. You will still get the NYC tax, but you will still have more in your pocket. It's all about planning. The closer to the city you are, the more expensive it is. There are still affordable things out there if you look. There's just a lot of competition because you have out-of-state/out-of-area (for those from other parts of NY) fighting locals for housing so those places tend to be gone on a heartbeat.

[@TheWizardofPoz]

I need ~200g of protein a day for bodybuilding purposes and I spend maybe $40 a week on groceries on less than 30k. 3 lbs chicken breast, 2 lbs ground turkey, a bunch of produce, off brand canned goods, etc. Oatmeal and protein powder can last me months. It is indeed about the choices you make. I used to be so bad about spending, then I learned the hard way that budgeting is a must for some. Won’t be in this position forever though.

[@CRich614]

I think part of their problem is the cost of living went up quick and they never adjusted their lifestyle to match. Over the last 3-4 years my expenses have went up 50%, and this is after downsizing my apartment to save money. I’m probably moving to a smaller place again this year.

[@yvonnekilla3971]

I lived off $13 an hr in Los Angeles on my own with a car payment. It took me 3 months to get my stove and fridge second hand. I had an ice chest and a microwave. It was hard but so worth it, I learned a lot about my self.

[@karsonvi679]

Oh boi LA is so expensive too 😮

[@shanice1549]

Congrats. Just keep making baby steps & doing yr best

[@yvonnekilla3971]

@@kwhodostuff5504 nope, if you want better for yourself you'll find a way. There's no incentive for people to even get out bed with universal income.the welfare system is already abused section 8 is generational that needs to stop. If you want better do better, those that settle to be a ward of the state(being of sound mind and body of course) need to work and be productive citizens. Maybe even having forced community service to be eligible for assistance. Like helping at nursing homes or non profits something. I'm tired of working so hard to pay for others to coast

[@ajh.4131]

@@yvonnekilla3971 couldn’t agree more

[@dren5810]

@@yvonnekilla3971 its people like you who will feed this endless system of corporate greed thinking one day you'll be just like them if you struggle enough.

[@nonikita]

I live in Serbia and I used to live of €430 a month (with rent and bills) between 2016-2018. My salary was around €500-550 when I worked mid/night shifts. It took me about 2 years to be able to save up about €1000 and then I quit my job because night shifts impacted my health and social life and started working for €400 a month and was basically losing money each month but was gaining engineering experience and was working regular hours so I was pretty happy even though I was broke. After that I more then quadrupled my salary in a couple of years but I still don't spend as much money and I'm saving about €1000 or more a month (I would've be saving more if it wasn't for the inflation) and I have no stress about money because I live well within my means. I can't say that for a lot of people, because the more they earn, the more they chase "the lifestyle", which isn't really improving their life in any significant way (like better physical/mental health), instead it's excessive traveling and clubbing.

[@lorenzovonmatterhorn7402]

Bruh for real these people be trippin..I got raised in Macedonia on 200 euro salary...

[@tia9710]

We, on the Balkans know the struggles because our countries like to fuck us hard

[@jcrossover600]

Najtužnije što kod nas ima ljudi koji rade za neku mizernu platu, a svaki vikend okreću neke ture u klubu , pa kasnije na paštetu do kraja meseca jedu. Nekima nema pomoći

[@whatever1068]

@@jcrossover600 a nije ni pašteta više jeftina...

[@thelordoftime803]

Clubbing is bad, but 'excessive traveling' is not a thing, it fills you, teaches you, changes you for the better. There's probably no better experience and adventure for the human soul and mind than traveling, I wish I afforded to save up so I can spend everything on seeing the world. Ofc, I don't mean going to the same sea resort 2 times a month, but seeing other continents and interacting with people from other cultures etc.

[@DuffMan-c5z]

Shop in bulk, reduce unnecessary expenses and stfu. She looks like a wonderful person

[@asdfbeau]

remember kids: it's easier to save a dollar than it is to earn a dollar.

[@NestlaysChaulkolateChips]

I really thought this was going to be a discussion on rent, and I would have agreed with her. In certain cities, $120k is nothing, especially if you're looking to live close to work. So the average person has to live 1-2 hours outside the city to afford anything. But then she complained about groceries, and that's not at all a high expenditure. I'm guessing they have lots of debt.

[@anonymousontheinternet4486]

Hey Aba, Preach talked a lot about you being so frugal in spending and good with money. I believe a lot people, me included, actually want a video on that. Give us tips and tell us about your experiences and things you've learnt along the way. Don't shy from using personal stories to get points across. Hope you guys see this.

[@Dan_Dropper]

Live modestly. That's what Aba tried to say in this video. Learn the difference between _wants_ and _needs_ . You need a cup of coffee, but you don't need a $20 cup of coffee. Don't be too prideful when you can buy a certain thing that makes people look up to you. That's the lifestyle that is promoted over and over again by someone who I suspect you guys follow on Instagram. In the end, you make an unconscious competition between you and your friends as simple as "have you tried ..., oh you haven't tried it. Try it, it's really good." I've been a person who said "I haven't" and gives 0 fuck about that because even if I don't try those said things in my entire life, I believe it's not going to decrease the quality of my life, and it's not going to give me an inevitable death -- cancer and HIV give you that. Some people said that my views are too extreme, but I beg to differ. I can enjoy my life and have many laughs when I'm having my "me time". I'm still hanging out with my friends from time to time, I tend to keep my distance from extravagant people and only consider them as my acquaintances. I keep people who like to hang out in cheap places closer to me (and these people are very caring people btw).

[@barkspasenine]

A lot of it is a mindset shift as well. Once you really FEEL the weight of the fact that money spent on stuff is money you will never get back, money you could've invested in yourself (eg health, professional skill) or invested somewhere your money will work to make you more money (eg stocks, real estate) you will start to think about your purchases differently. Look at your "budget" based off your realistic take-home of your paychecks, after benefits and 401k are removed. You should be investing in your retirement even if you're broke. Even 4% is better than nothing, fantastic if your company matches. BE HONEST. Start by tracking what you actually earn and actually spend to get some perspective, you could be in the red and not realize it because of credit cards. Pay off your credit cards and other high interest debt asap. Take an honest look at your subscriptions (don't forget monthly, annual, AND quarterly) and think about what's actually adding VALUE to your life. Doesn't matter if it's only 2$/mo. That's free money you're giving to someone else that you could be giving back to yourself. Your credit card is not an extension of your wallet or even an emergency fund. It's a tool that should help you get rewards like cash back or free flights. You should be able to pay it off in full every month. If you can't, you need to figure out why asap. If your problem area is more spending, avoid situations that trigger you to spend needlessly. For example, I personally avoid shopping at Target because it's literally designed to make you want to buy stuff 🤣 if you shop online, sleep on it. You can fill your cart but don't buy it until a day or several later when you can really suss out what's actually valuable and what's not. If you're not so much an "emotional" spender like that, think about the areas you spend a lot of money and just start asking why you spend or feel the need to spend. Maybe you go to a country club and buy a bunch of beer or arnie palmers every time you go, racking up a huge bill. Why do you feel the need to buy all those drinks? What value do they give you? What value does golfing bring you? Does the idea of it match the reality? Maybe you golf to socialize and because it's "relaxing" but in reality it's stressful because one of your friends is always in a bad mood or you get hung over the next day because of a few beers. Wealth is a long term goal and you have to really get to the bottom of what is valuable and why you do what you do. Whatever is not contributing to actively improving your life some way or another, get rid of it. Of the things that are valuable, think about what ones you could reduce their cost (do you need the gym membership with all the bells and whistles or will the basic one suffice?) To effectively further increase their value. You can get those nicer things that you don't truly need once in awhile, but with the caveat that you can afford it. You might not be able to get a nice phone or car now, but once you cut those 100s of dollars spent on useless subscriptions every year, then maybe you can afford it! And not have to dread paying the bill every month.

[@usedforks]

Just don't buy stupid shit bro, it ain't that deep. Draw up a monthly budget from how much you have left after rent/utilities vs how much you want to save. Divide that budget up among food, clothes, bills, whatever. Treat yourself every once in a while so you don't go crazy, but try to only spend your money on things you need. Act responsibly and don't do anything that's gonna end up with you in the hospital or your car in the shop. Obviously accidents can't be avoided, but if you use your brain, their likelihood can be drastically reduced. If your job is very physical, research how to avoid straining your muscles so you don't risk injuring yourself off the clock.

[@TuMadre6995]

i love your emphasis on people taking personal accountability. that’s something ive been doing more of lately and it’s life changing. we’re in a time where it’s becoming less and less common for sure.

[@daniellecharles8224]

As someone who is working on bettering their spending habits, I agree. Have made some poor choices and working as hard as I can to save more and get myself out of debt. Cooking more, freezing extra food, delaying gratification; all these little decisions help and all add up.

[@heckyboss]

I can relate

[@Tusare-e5p]

Man this is why I love you guy’s channel. You talk about real life issues. On top of teaching me a whole lot in your videos, you’re very real and authentic. We appreciate both of you!

[@artemis2666]

This was the video I needed right now. My partner and I did finances last night, and our faces turned white. We have been overspending like a m-fker. Granted, we make a little over half what she makes & we have a child. That's even more reason to make room for improvement. Always. We were at 0 on our credit cards just 2 years ago & now we've got a significant credit card debt. Inflation is definitely part of the problem, but... still... we both are able to identify areas where we as individuals can make smarter moves to protecting our bag $. It's necessary. Is it fun? No. But it's integral now more than ever. *I will add that the cost of living in our area shot up over 65% in the last 4 years. We've got all the people that can't afford to live in surrounding states moving to our city and local lifetime residents who could easily afford to live here can't even find a spot... there's legitimate waiting lists to rent & buying is pretty much out of the question for most middle-class peeps right now. There is definitely a sustainability issue right now, and that can't be overlooked.

[@semmywap2916]

That’s beautiful what y’all did and I’m sure it strengthens the relationship

[@alejandroc7357]

Literally me last night doing finances. 😳 time to hunker down and start cooking everything at home. About to be Gordon Ramsay up in this btch

[@artemis2666]

@Alejandro c 😁 cooking can be a great way to get creative, and it's therapeutic, too. Keep a sense of humor about it. You'll get through this. We all will. I mean. We kind of have to, right? I never want anyone to struggle but it is comforting to know that we're not going through this alone. Many people are struggling right now. I try to look at the things that could be much worse, I'm lucky to be loved & have a roof over my family's heads. Good luck to everyone who finds themselves reading this. May the financial force be with you ✨️

[@artemis2666]

@Semmywap Finances can definitely put a strain on a relationship if you're not good at working as a team. Luckily, my partner and I are pretty good at problem solving together.

[@EXL-R-Preds]

Living on 30-35k a year paying 900 a month with 4 roommates, it could be worse but I can always do better! 120k and still paycheck to paycheck, y'all went to college but didn't learn finances, mind boggling fr fr

[@MoietyVR]

As someone who is always looking to curtail spending, I haven't been paycheck to paycheck (as as the only earner) for my family of 5 since I was making ~75k. It is sooo easy to spend more money as you make more money. I make about 200k now and can still spend it all each month if my wife and I don't watch ourselves.

[@gabosampaio5277]

Wise words! A few years back I got a big income increase for some things I started doing at the time, I'm a saving guy, I like to pay myself a certain amount of my income every month, for saving and investing. After the ~50% increase in my income I realized I was having less money left each month than before, so we had to check our spendings and sort it out.

[@ajtaylor8750]

If you can't live on $120K yearly combined income, you're probably spending your money poorly ma'am. That money is easily sustainable if you know how to spend & save.

[@milton7763]

When I was 8 I started working/doing chores for my dad who worked in agriculture. Started saving money as of then. Started helping my elder brother out with his paper route a year later, getting a slice of what he earned. Did that till I was old enough to get my own paper route. Whenever my brothers or I wanted to buy something from our savings we had to ask my dad for permission. That man taught me everything about acting responsibly with my money. We never had brand clothing, we vacationed nearby - _after_ the peak summer work. No impulse buys. I have never been in debt my entire life

[@ezziba8240]

I had a similar childhood as a Gen Z. Dad has a cattle ranch. Us kids helped with the main events(branding, chasing, weaning, hauling hay, etc). We also ran the pig business by ourselves(w/ some help during farrowing). Though we didn't get money for that. We did 4H to get paid. That gave a kid about $500-$1500 yearly after paying off taxes, the animal, equipment, and feed. Or we'd lose money from market price sales. In those cases, Dad would wait for the next year to get paid back or occasionally forgive the debt. We pooled money and paid for the extra things we wanted, or waited for Christmas because Dad goes all out on Christmas. Even as we become young adults; some of us are wealthier than he is. I think that was the best thing he could have done. I just wish he'd been more involved with us learning so we wouldn't struggle like we have.

[@PuneetMhajan]

she closed her account, that should show you how strong her argument was, and how strongly she believed in it