Tik Tok's Financial Advice Is Still Insane

[@chandlermiller3944]

Freelance auditor is a hell of a career, but it is better financial advice than fraud.

[@mikemikemikemikemikemeup]

It’s sad that his advice was actually the best in this video.

[@xiuxiu1108]

Unironically based but definitely an extremely tiring job if you choose to make money that way.

[@nourmuhsen]

​​@@xiuxiu1108Exactly lol.

[@Nightknight1992]

dude is proud of tricking white women into gang rape, names charleston white, hes easily one of the worst humans alive

[@fclp67]

​@@giovannigutierrez6916thats where you make the big bucks brother more small business less safety

[@atrioc]

Heads up that guy at 1:06 is not committing fraud. I misunderstood and thought he was trying to get one over on insurance companies by underpaying for life insurance, which is something that will never work. What he's saying is just to give the life insurance companies money your whole life (instead of putting it in the market or somewhere it will grow faster). (They take a cut from every payment for administrative fees btw) Eventually they will have a big pile of money in your "life insurance fund" that you built up over your life. When you are old, you can take out a loan against that built up cash value. This loan is tax free... but it comes with interest. So either you die and the payment covers the loan, or you live and the interest keeps accruing. EITHER WAY THE INSURANCE COMPANY will be the winner. The death benefits they calculate are always in their favor. This is a fine way to have "forced savings" - by paying monthly into something you can't access it stops people from being stupid with their retirement money, but it's profitable for the insurance companies - not you.

[@ryanmitchell4426]

I found that one very amusing because I spent several years dealing with a class action lawsuit against a major insurance company that was, among other things, marketing life insurance as investment plans.

[@wumbojet]

You should pin this big A

[@Soundwves]

u gotta pin ur own comment big dawg (good catch tho)

[@16960734]

Yeah i was gonna say its not fraud they call it whole life insurance (or infinite life insurance) and a bunch of gurus and weird people promote it. Its not illegal, it is super super confusing, and it is obviously a bad idea even though i can’t explain exactly why. And also this guy is advocating a toned down version where you wait until retirement to take a loan out, most people tell you take a loan out immediately when you get the policy.

[@blaizakin90]

You can borrow from whole-life policies whenever. All interest goes back into your whole life account meaning if they charge you 500 dollars of interest your policy is worth 500 more dollars. When you die your kids or whoever you have as your beneficiary get that money tax free. It's not the highest earning investment but its a relatively safe investment that would be a good option for families. Just go with a reputable company if you are buying life insurance. Its not the end all be all of investing and not the best option for young and healthy people, but if you put a small amount into it at a young age it can be a good back up especially during market downturns since your account does not go down with the market.

[@bigedwerd]

At first I thought that guy suing the companies was obnoxious, but I realized that he's a hero. We need more people like him to help crack down on bad work environments.

[@fishbowel4601]

Trust me we don't need people like him

[@bwhatsonn]

why not @@fishbowel4601

[@fishbowel4601]

@@bwhatsonn he is a rapist

[@YT7mc]

@@fishbowel4601He’s probably annoying day to day, but there’s a reason he’s able to do what he’s doing. You have to be able to hold work places accountable, otherwise they become less and less safe.

[@fatnose0]

​​​@@YT7mcmaybe I'm confusing him with someone but isn't he the guy that went on fresh and fit admitting to gangbang rape. Edit: Looked up the guy and ye it's Charleston White, quote: "we used to do it where we'd just walk in with dicks out, not even ask for permission" "we'd run trains on these white girls"

[@acetrainerben]

So many of this tiktok advice boils down to "take out loans"... I'm starting to genuinely believe these people are bank plants LMAO

[@peterlenza8320]

It's not just take out loans.. it's take out loans for the loans on your loans! 💀💀

[@TheGuruStud]

Tik Tok is a psy op to destroy the US (good ol CCP). US govt doesn't care, so why not hop on and benefit yourself, too.

[@PeferG17]

@@peterlenza8320 too many people don't understand the concept of leverage and are vastly over leveraged. I saw someone once renting out houses, and then the had loans on each of the houses to get the next house, they had like 6 houses... it's like a giant house of cards made a home loans... hell they even had private loans since after two houses the banks were like no fucking way... anyway point is don't over leverage yourselves

[@lolyakable]

At least they got the spirit because debt is actually a major part of wealth if you don’t know how to loan it’s gonna be difficult to scale whatever you got going on rn

[@juanvaldez7279]

Not plants affiliate marketing.

[@_xeere]

I think Bezos would pick up the $10, not because he wants it, but because he wants to deprive someone else of having it.

[@watema3381]

This is absolutely hilarious and made me laugh way more than it should've

[@gavintantleff]

There’s a study that says the richer you are the more likely you are to take candy from a child

[@i_i8924]

Game Theory 101 🎲

[@Eval999]

lol ok bro

[@notmenotme614]

If it takes Bezos 5 seconds to pick up $10 he’s dropped on the floor. And he’s not doing anything in those 5 seconds, what else is he going to do? Of course he’s going to pick it up.

[@Nic_ZA]

I don’t have a financial problem, I have a gambling problem

[@BeefFondler5000]

the only gambling problem is not gambling enough

[@Nic_ZA]

@@BeefFondler5000you lose 100% of the bets you dont take

[@komoset69]

You only lose when you stop. Keep up the hustle king!

[@PineappleSquuid]

It’s not a problem if you win

[@lenny8511]

When gambling you can win 1000% of your money, but you can only lose 100%. Do the math.

[@jackrangaiah4236]

the guy suing all the companies is essentially those hackers that find problems with google and get payed tons of money for it

[@thelastguardin8079]

Those two arent rly comparable

[@dickurkel6910]

They usually only get paid when there's a bug bounty, which means that Google is directly paying them, so not exactly the same as suing companies.

[@thatonegoblin8722]

paid not payed

[@sidharthghoshal]

@@thelastguardin8079 they are philosophically identical

[@sidharthghoshal]

@@dickurkel6910 nah a typical strategy is go to a company, warn them you found a bug. if they refuse to chat/patch then you short their stock and release a report.

[@3ricbae]

99% of gamblers quit before hitting a zillion dollars!

[@Hex...]

I’m amazed that even 1% do

[@Folktales000]

​@Hex... it's like a ancestral DNA test, 99% with a 1% margin of error

[@SockimusPrime]

Love that hustle-bro mindset: are there things in your life that bring you joy, like your girlfriend, your dog or your hobby? Well stop that, and become a psychopath who only values profit instead!

[@WARnTEA]

What you aren’t a fan of working 18hours a day and pretending that you just experienced 3 days without rest/sleep?

[@mallardofmodernia8092]

@@WARnTEA don't you mean 25 hours a day? 18? Those are rookie numbers we need to bump those numbers up.

[@anonmouse15]

You can also label yourself as a slave into the bargain, too.

[@SuperT]

I like how there’s genuine value in finding something you’re good at and love and can commit like 10-12 hour days at the beginning to get it up and running and then have a successful venture But the entrepreneurship ecosystem is so bloated with all this dumb stuff

[@Negasilver]

My day starts at 6:00AM and ends at 6:01AM. Then my next day starts. That's 10080 days a week. I just choose not to use any of them.

[@xkidgey]

This sounds like the symptom of some kind of horrible disease! I think that guy may need to see a neurologist

[@eb9782]

TikTok grind culture doesn't seem to understand that grinding 18 hours a day on felonies just makes you a more egregious felon

[@TwoRatsBanging]

The guy who sued every company is my Hero

[@fatnose0]

He's Charleston White and a proud rapist if you look him up you'll puke

[@snow5570]

The guys name is Charleston white, he's a self admitted r4p*st. And has said live on instagram that chinese babies should be r-worded because he got into a beef with a chinese-american rapper

[@whitestguyuknow]

That's Charleston White. He's pretty hilarious

[@hellobruh4209]

​@@whitestguyuknowhe's also gone on record admitting to ra**ing white women - drugging them and g**gbanging them. The more you know.

[@ghostlandered]

Actually inspiring.

[@SaucetinTV]

Me living the last 5 years of my life never downloading TikTok has been the best thing I could’ve ever done

[@callummcneill6266]

Whenever I did try it out it repulsed me and I immediately uninstalled it

[@maxtrainor8401]

Do you want a prize?

[@obd3448]

would you like a prize for that unoriginal comment?

[@obd3448]

^ to max not mr austin. for any of those who are confused

[@lilgruntingbear]

so true also dw you aren't missing anything

[@CoachJohnMcGuirk]

There is a major flaw in the logic with bezos not picking up $800 bills. The income he already makes in that 2 seconds is essentially passive. He doesnt have to stop earning in order to pick up the money off the ground, therefore it is worth it because it nearly doubles his income. If he is making $800 every 2 seconds, and he also happens to pick up $800 during that 2 seconds than he now has $1600 in 2 seconds.

[@atrioc]

assume he's on the phone with lizzo closing major deals

[@imanidiotforreplyingbut7465]

Am I the only one who would just like cash out if I ever had more than 1 mil? Could live comfortably for so long just chilling, with time to actually have a hobby and stuff.

[@imanidiotforreplyingbut7465]

Maybe more than 1 mil but you get the point

[@nathanielheron970]

Don’t you feel silly now

[@door3979]

@@atriocassume he can bend over while on the phone😳

[@B1smarkk]

9:24 atrioc missed that you have to gaslight yourself into thinking that the car is for free

[@Pyxyty]

Boy math fr ft

[@bubba842]

Yeah, if you keep the money then you have to have a loan which incures interest. Do you end up paying more for the car than you would have if you just paid cash. The only way it would work is if your interest rate for your bank account is much higher than the interest rate on the loan, which is not a thing.

[@PerForkOp]

@@bubba842 It can be a thing with savings accounts, my paren't litterally did that with their last car, the bank was a offering an interest rate lower than their savings account, so they took a loan instead of buying cash. You are also not making that much money doing it. When current bank interest rate are 4% max, and the average S&P return is 10%, yeah it is pretty credible, but it does expose you to more risk.

[@mikelombard21]

This needs to be a series. These guys are so clueless it needs to be mocked monthly. Picking up after your dog is why you are broke.

[@whitestguyuknow]

Yeah that redheaded dude is an absolute joke and misogynist. He had this crazy take where he fully believes if a man had absolutely no consequences to cheating on their wife then every man on the planet would openly cheat on their wives. _As if_ there isn't a large amount of men who _actually_ appreciate love, security, and faithfulness in a relationship. Particularly with the person you're gonna spend your life with. And it'd hurt their soul to cheat. I believe he tells himself that so that he doesn't feel like a POS for the cheating he's done in his life. Like, "It's just human nature! So why feel bad about it??" No, that's _your_ behaviour ya soulless redheaded clown.

[@nicoh848]

I think the “Mapping out the Millionaire Mystery” guy is just doing the classic scam tactic of weeding out the smart ones.

[@Atlastheyote222]

The dude suing all his workplaces for safety violations is actually based af. He’s doing god’s work

[@fishbowel4601]

He is also a rapist

[@foop145]

The delivery thing would almost never work. Delivery guys get people who do this (jokingly or seriously) constantly. This is why they'll occasionally ask you for the name on the order. If there's any question in their mind, they're double-checking. Even the ones who don't give a fuck will do this because if they fuck up and the actual customer doesn't get it, they're the one who has to drive the replacement back out there after getting yelled at lol

[@pianopeach]

I was with you until the end - If I give food to the wrong person, the customer may re-order food, but it's now a new order that's unlikely to be offered to me. I would get a contract violation, but once a delivery is finished (correctly or incorrectly), I'm on to the next one. It's also quite unlikely I'd get yelled at by anyone.

[@seeker_of_knowlage3568]

Nah not really

[@JohnSmith-ox3gy]

​@@pianopeachMr. Uber Eats is calling. Pick it up?

[@vuubi1]

The company suing guy is a legit hero ngl

[@pnessi570]

The thing about suing your employer is actually more crazy than it sounds. Because companies have to hire an eeoc attorney to handle the complaint but the person filing the suit can gets an attorney for free. So companies will pay out for nonsense just because its more expensive to fight it

[@richpryor9650]

But aren't there exemptions like arbitration clauses and hiring managers being able to find out if you sued your last employer?

[@frostbittenprophet4852]

@@richpryor9650 Arbitration is removed when it is a Federal level incident. Example, OSHA doesn't care about your arbitrator if you operate your factor at 105degrees. The main thing I see is him suing for retaliation, because once you have a labor lawyer on your side, you can basically just tell the court the arbitrator is paid for by the company you are suing and they will agree that the judge should then be the arbitrator. The only real argument the company could have against a judge is that they are not as good as their arbitrator, which would be super sus.

[@ArcG3]

The biggest problem I see with doing this is that all civil suits are in the public record and will appear on most background checks. If you have a record of suing employers, it's probably going to severely discourage other employers from hiring you in the future. And any employer who runs a background check on you will see your civil suits with your previous employers. That's the biggest way I can imagine this "trick" backfiring on you.

[@richpryor9650]

@ArcG3 One problem is that most businesses don't actually do background checks unless your applying to a high paying or important position like cyber security. If you're applying to homedepot or any place with a high turn over rate they couldn't be fucked. They'll just call one of your references and call it a day.

[@obviouslyanonymous]

As much as the "walked into the mortgage appointment with no job" video is obviously a bit silly, I think it's something a lot of people honestly need to hear. Too many people are scared to ask questions out of fear of looking clueless, but asking questions is how you stop being clueless. If anyone actually does try to make you feel stupid for asking a question, ask them how they learned it; they're probably gonna say they were taught by someone or the internet.

[@Dschonathan]

Half of this is blatant fraud, the other half is basic "spend your money responsibly" advice packaged in a sigma grindset way.

[@chetricker]

I mean, me and my gf did this unintentionally because we thought our beautiful 30 k savings would be enough for a mortgage. The guy from the bank was brutal but sincere. Was a very though day for us, but in hindsight made us refocus and reconsider the steps towards a house to more realistic ones.

[@gdawgs101]

​@@DschonathanThe specific person they were referencing (the mortgage guy) wasn't committing any fraud...?

[@Blaze5x5x5]

​@@gdawgs101he prob just means the videos shown in general

[@Blaze5x5x5]

Yeah like it was kinda good advice "gather info and have a plan for what you need to get a morgage" wrapped in some monumental stupidity "waste a bank employees time for the info instead of googling it"

[@LukerYT]

investor bros make girl math look like the Enigma Machine

[@woodside4life]

😂😂😂

[@HaggisMuncher-69-420]

It took a little LGBT twink a couple weeks to crack the Enigma machine. Let's not get too crazy.

[@loganmitchell2878]

Civilian undercover OSHA auditor is my favorite so far, also, Tik Tokker Wallstreet is hilarious.

[@endruv_2287]

Big fan of how the best advice is "steal rich assholes' lunch"

[@T0NI_]

I think A misunderstood the guy with the slides for buying a car. Pretty sure he was saying that you should *own the bank* and give yourself a loan so that technically you never spent your money on it (or something). Which is infinitely funnier and more insane than what A thought he was saying in the video

[@frostbittenprophet4852]

I he kept saying, give yourself a loan, and I was like, but I am not a bank.

[@CommissionerLofi]

Nice just own a bank

[@guppy719]

That is a thing that happens and it is bad (mainly in other countries)

[@dylanvickers7953]

The guy who just sues his jobs is fucking based and he’s a goddamn champion. I will buy that man a beer if I ever see him.

[@69SalterStreet]

10:24 this guy is actually donating his time as an OSHA investigator. He’s like the Batman of Safety.

[@TylerSmith-oz7ry]

If your biggest expense in NYC is food, you are homeless.

[@JohnSmith-ox3gy]

Or CaseOh.

[@McAizen_McSosuke]

the vigilante auditor was funny af ngl

[@andrewkim9503]

There's one easy trick you won't believe! If you see people selling courses in any "fast-growing" industry, it's because the bubble has already burst. It's happened with poker, dropshipping, you name it

[@andrewnimmo8010]

You know what they say: “you teach a fish to man, you man fish him a year. You catch man for fish, he will live long enough to fish man fisherman”

[@mattbenz99]

17:28 The objectively best option is the 4k a week for life. That is 208k a year guaranteed. A safe withdrawal rate of a stock and bond portfolio is 4% a year. So 4% of 2 million means that you are only able to take out 80k a year. Now, if you take the 2 million let it sit for a while, that becomes the best option due to compound interest. But that requires patience to wait 10ish years.

[@Sh1fted_X]

Definitely, now I don’t know much about investing but I would use some of that 208k to buy houses and flip them. I don’t know if that’s the safest but it’d be fun

[@gianluca3131]

"The objectively best option is the 4k a week for life." "if you take the 2 million let it sit for a while, that becomes the best option due to compound interest." It's not the objectively best then lol

[@pizzajohnproductions1486]

Bezos pushing me on out of the way for that quarter for real

[@simplyakoala7220]

Atrioc watching Caleb Hammer's Financial Audit videos might actually give him a heart attack

[@milantarika7219]

I need to watch him do that lmao

[@Clint_Yeastwood]

That vigilante auditor is actually a goddamn genius

[@LSgaming201]

The tik tok investor bros was hilarious. Imagine bragging about having 15 roommates in a barely furnished house.

[@Blaze5x5x5]

The freelance auditor is my hero now. My works got a bunch of OSHA violations. Guess ik what I should do when I leave.

[@Stinggyray]

I have never seen a man with more vitriol and contempt for walking dogs 😂 A dog walker killed his family or something, I swear

[@tb4076]

Nah i think his gf's dog stole his gf

[@woodside4life]

@@tb4076 The dog had that dawg in him.

[@dragonetafireball]

13:18 so many people buy expensive things to rent without considering A) current local market for renting it or B) maintenance costs, spare parts, labour if the owner can’t fix it themself

[@mikelombard21]

I've never seen a grown man not know the concept of owning a dog and picking up after it. That's how out of touch this guy is.

[@aggapuffin]

Vigilante auditor is the best way to make money. Morally correct and also you get paid.

[@NightPhantom392]

The be your own bank guy had me dying laughing.

[@willr4105]

"This is why 20% of America is in the bottom quintile of money." - Atrioc 'Glarketer' Ewing

[@tibetjones3450]

Dont forget about the marks or cucks who extort just to be cool, popular or some whoristic dogmatic bullshit that comes off like a crab in a bucket 😆 Like the great depression; their own mothers will sell their own kids and pimp out to prostitution 😆.

[@TheDarkfighter101]

4K a week easy. That’s 208k/yr. 2 million isn’t enough to be set for life without working or investment and it would certainly return less than 4K a week. Literally in a decade you would earn the lump sum and have decades more of not working and living very comfortably.

[@dirges1239]

Just invest half of the 2 mil and you'll beat out the 4k by a long shot.

[@carlosdemare1599]

sure but 2 million now you could lower your cost of living by outright buying house and solar etc. also investing in "safe" stocks could set you for retirement. depends on your age and income, if you're already earning 1k a week and you're like 30 the 2 million might be better. it's not clear either way imo. crazy the dude only spoke about credit score tho

[@hemmoau]

Oi dark people that don't make this money don't understand how small it becomes after you do.

[@SK-df1iw]

@@dirges1239if you put it in an index fund, you’re getting 8% per yr adjusted for inflation. with $1M, that’s the equivalent to $80K in profit per year. A lot of (actual) financial advisors say that you can take ~4% out of index fund savings and have the growth match what you removed so that you keep the same sum. this also accounts for variation in the index fund for yr to yr so that you have more breathing room. even tho growth is 8% in the long run (10+ yrs), in the short run it may not be so it’s better to err on the side of caution and to remove less money out per yr. By that metric, you can only remove $40K per year. if you remove more, then the amount you have invested has a high chance of decreasing over time. even with investing all $2M, you’re only able to safely remove $80K and you’re making $160K per year if you don’t touch it which is already lower than the $208K/yr.

[@awijaya2116]

You should take the 2 million and invest immediately. The S&P 500 has averaged a return of 11.88% every year, since 1957. 11.88% of 2 million is $237,600. This is if you keep cashing out the capital gains each year, which is dumb (you're not letting compound interest make you rich). Obviously this is not a constant rate each year, some years are better and some are worse. If you'd put $2 million into the S&P 500 10 years ago and left it alone, you'd be sitting on $5.1 million today. There is no way you can match that with 4k a week, and the longer we play out the two simulations the more the $2m today wins. The only time you take the 4k option is if you're godawful with money or have a gambling problem.

[@sarbnitrof4663]

People lived in caves 300 years ago? 😂

[@kumagorong]

Ok, the second video is correct though. He's essentially giving up his wages early to put into a specific life insurance policy where he can borrow against it. The problem is, he's sacrificing his wages in his youth to gamble that he'll live long enough to retire and live off of that plan. Not exactly bad financial advice, it's just not explaining the sacrifice required to make it happen. Not to mention, this helps the insurance company more because in the event of their death, there is basically nothing left to give to your next of kin.

[@maxl.4807]

Definitely - the video made it sound like he was purchasing insurance and immediately using it as collateral for a massive gain which makes sense why it sounds like fraud. He's paying thousands over a few years in exchange for a death benefit, and then using the death benefit of the policy as collateral to pay himself an income throughout retirement. Anything he takes out gets subtracted from his death benefit he would've gotten from the policy in the first place (and the max loan he's able to take out is always going to be less than the guaranteed death benefit so there isn't really as much risk to the insurance company). I don't know if I'd call it sacrificing his wages since it's the same principle as investing - you're cutting your purchasing power early and letting it grow through dividends to make sure you have an income stream to access when you're too old to work. I wouldn't say its for everyone but honestly, the fact that you can receive that income tax-free (up to a limit) can make it an extremely valuable strategy for retirement.

[@LambdaDriven]

@@colbythom223are there policies indexed to the market with low management fees? Years ago they were all insanely low yield.

[@TPF00T]

I'm not understanding something here. As far as I know, life insurance can only be purchased for specific death circumstances, like an accident or sickness. If you could take out life insurance for a natural death, insurance companies would just lose money on it, unless it pays out less than the average person pays in.

[@maxl.4807]

It depends on the kind of life insurance policy you take. Most people are familiar with term life insurance like what you mentioned which is why this kind of half investment/half insurance policy can be pretty confusing. You gotta realize the insurance company is investing your payments over time and using that growth to provide you with a death benefit. The payout at the end is going to be greater than what you put in, but the insurance company will take a cut of the growth in exchange for managing your money. If you pick a reputable insurance company, you'll often see a track record of dividends that are lower than something like S&P 500 but more consistent. Imagine putting $300/month in your early 20s into a policy like this. If the insurance company has a track record of 5% annual dividends and they've been around for a long time, you can imagine your assets will grow substantially when youre ready to retire. The death benefit is a function of that amount and the government allows you to borrow against it (up to a limit) tax-free. @@TPF00T

[@TPF00T]

@@maxl.4807 Thanks for the reply, it makes sense now. Basically, it allows you to borrow against a larger amount up front because there's an insurance element to it rather than just a plain old investment account. So you can borrow more money than you put in to the account early on, and as you grow older, the actual value of your investment account approaches the initial amount you borrowed. So you basically borrow money from your future self.

[@pTheCrackerq]

In my experience, it's been disgruntled employees that call OSHA and not legitimate concerns. People also typically "win" lawsuits for things like retaliation or workplace injuries because even if it is frivolous, it takes so much time and money to disprove allegation's that the will just offer a settlement.

[@DaRocketGuy]

sounds better than working imo

[@dylanvickers7953]

OSHA is super important, especially in hard labor fields like construction, resource extraction like petroleum, lumber or mining, and manufacturing. Maybe it’s not the same in office/corporate jobs, but OSHA literally saves lives in hard labor jobs.

[@pTheCrackerq]

@@dylanvickers7953 for sure. It’s good to know your rights and call things out to keep an employer honest, it’s just a shame it gets misused and misunderstood as much as it does. A lot of people see OSHA as a group that wants to make your job harder than it needs to be as well.

[@pasta-and-heroin]

@@pTheCrackerq prior to your country passing OSHA, 38 people died at work every day. that figure is now only 14 despite the working population having more than doubled! I *guess* I kinda get what you’re saying… but you negate any positivity in your mention of employee rights when it is preceded by some simply BAFFLING anecdotal nonsense & a healthy dose of right-wing rhetoric! CEOs, rich white cunts & exploitative employers don’t need any extra help on their quest to discredit and dismantle protections for the proletariat; let’s not give it to them (:

[@pasta-and-heroin]

@@pTheCrackerq this survey data was taken in 2014, but bleeding their budget dry leads me to believe they don’t have the resources to improve the data in the 9 years since…. ‘90 percent of employers do not comply with OSHA recordkeeping regulations, resulting in underreporting by 38 percent of the surveyed employers’ Hoping that really drives home the reality of ‘misusing’ OSHA - and who is ACTUALLY doing it (:

[@MrTowelsplug]

I'd take the 2mil, then pay myself the 4k a week till I have 850 credit. BYOB

[@andreww5773]

Man, get an 850 credit score, buy 5 wood chippers, rent each of them for a day 3 times/day.. millions brah.

[@Norp-i7m]

Wood-chipper-based economy.

[@ManOfParody]

"I've always got a pen and pad" - Man who currently does not have a pen and pad in his hands.

[@Losochill]

11:46 vigilante auditor is CRAZY!!! 😂😂😂

[@AWildCarAppeared]

The wood chipper one is extra funny because I follow a meme page that makes that sort of post almost verbatim except they are joking

[@melogranohifi]

The dude with the TikTok about stealing food from bankers was doing it in front of the Credit Suisse building in New York… those poor guys already had enough, don’t steal their food too!!!

[@dust_gale3108]

10:40 labour rights king over there 😂 I bet he has his layer on the speed dial lmfao

[@Faronhight]

“What is blud waffling about” 💀

[@mathijsfrank9268]

I do think that loaning money from yourself is an interesting idea if you have savings (I hope he meant this or he might just not be the brightest). The idea is that if you have savings and you want to use some of it, you should see it as a loan to yourself. So pay it back monthly until you are back to the original amount you are at. Given its just a mindset and it doesn't change anything, I do think it can change your perspective of how you see your savings.

[@shrimpsqndwich]

but... if your paying yourself back with your own money your balance isn't changing...

[@grxdy6362]

@@shrimpsqndwich Yeah that's the point. They are saying it doesn't change your balance, but it changes how you see your money

[@jacobsweet7327]

One saving tip I gave my girlfriend for saving for a car is just act like you have a car payment each month (her current car is paid off) for 5 years and when It come time to buy a car after 5 years, you can pretty much pay cash for the car. the good thing about this is if her current car breaks down and needs an expensive repair, she can just pay out of that fund. sure you might still need a loan, but with such a large down payment you can get a 3 year car loan with a low monthly payment, and because you've been making "Payments for the past 5 years, you know how to budget accordingly.

[@romxxii]

The anti dog walker at 13:30 is just repackaging the whole "don't have avocado toast" meme.

[@119Agent]

That dude talked about how great NYC food is and then grabs the Popeyes Fried Chicken.

[@graxian]

“I’m not crazy, you’re crazy” ah, spoken just like a man of full sound and body. Keep it up bug dog

[@soapa4279]

The dude saying don’t buy a car with cash, but use cash from your bank to buy it outright and make monthly payments to your bank, hit me 😂

[@TopShot501st]

Who's paying him interest?🫠

[@TheAesop3]

The guy suing every company he worked for is the funniest shit I’ve ever seen

[@sgotach_7581]

8:15 bro inventing saving up

[@runawaycube]

15:31 Librarian Spotted 💀

[@greenhollowmusic]

7:00 he's trying to advertise whole life insurance "banking" that comes up on tiktok like every other live I see.

[@heromedley]

glad i didnt download tiktok to be exposed to this idiocy everyday just so i can enjoy moments like these

[@ellisbrierley9724]

The information changes that situation man is on another plane to me

[@mikelombard21]

I like how the 850 credit score guy explained why he doesn't have an 850 credit score. He took out a bunch of loans and never paid them back. Just don't take on more debt than you can afford right? I get they will give you a ton but you have to pay it back. If you pay it back your credit will be fine right?

[@JuanLopez-kk9wi]

Nope, credit history is one of the biggest factors to your credit score. You can recover from any amount of debt as long as your pay history is 100%, you can recover, but good luck with recovering with a payment history of 60%.

[@codegeek98]

Your credit score will _temporarily_ drop if you have a statement balance ("utilization"), even if you're paying no interest due to the grace period. But yeah it'll _permanently_ drop for any delinquencies.

[@codegeek98]

but also I figured part of the rule was you don't just have 850 credit score _once,_ but you're blessed to somehow _keep_ it at least regardless of number of inquiries and utilization, if not delinquency

[@m1k3y48]

8:35 this is just paying cash, and saving the money that would have gone towards payments lol

[@isaiahbridges7442]

13:45 bro definitely lost the dog in the breakup 🤣🤣

[@jabhari-3258]

first there was the streamer house, now there's the options house

[@robertcampbell8070]

Tik tok financial advice is like "Go into a bank and give them a note that says "Give me all the money in the safe." You'll be a multi millionaire in minutes."

[@No_True_Scotsman]

You more or less predicted the Chase Bank Glitch

[@cmonkey3698]

7:00 this is just budgeting but way overcomplicated

[@tristn9]

LMAO at the "manly" hot take of don't pick up your dog's crap because "eeeew poopy gwoss yucky!" ... so masculine lol

[@drexelspivey872]

The yahoo at 7:25 is an out of his mind infinite banking whole life insurance guy. Absolute muppet

[@TheAnimeLurk]

I feel like a collab between Atrioc and Jon Bois would be fun and interesting.

[@alexanderbateman5581]

???? no it wouldn't u just picked two people you enjoy watching LMAO

[@CoachJohnMcGuirk]

Anything with Jon Bois is automatically going to be among the top .001% of all youtube content there is. He is simply the best there is. But big A doesnt do any sports related content. Jon is purely sports and sports adjacent. The only thing I can think of where they might collab is covering poker but Jon already has the best poker video on the platform called "why do I choose this for a living".

[@matthewibalio7251]

The reaction to the "auditor" and the guy after had me crying. Subbed

[@redrum3425]

I'm loving these videos on financial Tik Toks - keep em coming please!

[@alanthomas2482]

Yo i got to say laughter is contagious. Your laugh just keeps me laughing haha. Thanks bro

[@austinfletchermusic]

The fucking Vigilante Auditor took me OUT bro

[@shrubninja6444]

It's hilarious that you have all these scheming little shitheads with bogus financial advice that falls apart immediately, and then this dude is out there *actually* making money by just following the law.

[@mallardofmodernia8092]

Bro is playing chaotic lawful

[@ToshiRolls]

2:11 That’s the BizarroFlame

[@dusk2308]

atrioc i am glad you do these videos cause if not i would 100% being doing fraud cause i don't know anything about money all i know is that it is green and it has number on it

[@blebonick7088]

Real and true

[@TheWolfeDen]

Good for you for taking the time to engage with new ideas and having the wisdom to take good advice when it's given to you 🎉

[@MegaMultiAnonymous]

when I hear 'life insurance' I think: the salesman is getting rich

[@Dan-ri9hw]

The car one was hilarious. He just explained a savings account in the most confusing way possible 😂

[@MrHeroicDemon]

16:00 guy literally made excuses for getting old and needing 2 naps a day. Lmao saying he is multiplying time and he is living 3 times more. im dead.

[@philipmoore9098]

9:52 that’s just an insane way to describe a sinking fund

[@dragonetafireball]

13:30 I don’t play fantasy football and if defenetly has it’s problems but for a lot of people who do it’s worth it for the quality time it gets them with other people which especially in an office can have financial implications in the long run

[@MrMountain707]

The car guy was talking about the "Whole Life Insurance" scam.

[@AmanTheNova]

Vigilante auditor might be the funniest shit I’ve seen all month

[@jackohara430]

didn't expect to run across the Nicholas Cage of twitch financial advisors today, but glad I did

[@staciemohler4624]

Business tiktok be like: do fraud. Think about it no one's doing this you will be one of first to do this

[@license2Bort]

Initially thought the guy at 10:30 was a scammer...turns out he is an unofficial safety inspector 😂

[@Mellyxxxxx]

9:20 😂 watching you try to understand it is really entertaining

[@Hexlen]

19:45 6k from 40 rentals??? He's only making 150 a unit a mo???

[@notmenotme614]

Spend $20,000 buying a wood chipper. Nobody wants to borrow it. To make $180,000 you’d have to rent it out every single day for a year, for more than what Home Depot is charging. Not just for the first day to one person, but every consecutive day after that to 365 different people.

[@samuelgunter]

its so crazy seeing my username in chat in these vod clips months later

[@heatrs4717]

I now want a movie about a Vigilante Auditor to be made.

[@Mr_NB628]

9:10 he’s not talking about cash she’s talking about taking a loan against probably an insurance policy similar to one of the first TikTok’s.

[@swordandscale]

Hilarious video. Subscribing. 😂

[@jovanirivera34]

bro suing the businesses is crazy. cause the places probably get safer 🤣