Why Your Constant Doom Spending Isn’t Very DEMURE And KEEPS YOU BROKE!

[@percymuocha3863]

Maintaining a budget? Very demure. Making a wishlist instead of impulse spending? Very Mindful. See how we take financial responsibility, very cutesy 😌

[@NatureRosa]

Gonna read this to my dad, who told me as a kid to always live below your means (unless you legitimately cannot due to something outside your control, like medical dept) Man has been telling me to stop getting plushies for a long time, but doesn't stop me (I'm a disabled dependent) cuz they make me happy. He recently had me get a real credit card to build up credit. I was told in no uncertain terms I do NOT spend a penny more than I can afford.

[@NatureRosa]

Also, thanks mobile KZbin app for NOT letting me copy the comment into my mantra journal, boooooo!!!!

[@BuyLessJess]

This is beautiful.

[@aggiaggi8306]

Buying perfume samples instead of blind buying full bottles? very demure, very mindful, very cutesy 😄

[@curtisclarke7445]

Dunderhead as hell ppl do better y'all should been known what it means dummy

[@cheslxy]

Very broke, very bankrupt and very overconsumption

[@toidIllorTAmI]

Wut. How did you do that? KZbin just hashtagged that word.

[@thewacher9022]

A go fund me to pay for your credit card statement is crazy work.

[@JodyMay05]

It's dirty work

[@thewacher9022]

@@JodyMay05 it’s filthy, do people not have shame

[@DevanConrad]

That woman seemed manic.

[@mia_djojowasito_malik]

She's literally just making her problems other people's problems. Serious question: if she's using a credit card to fund (not just pay) her facial, does she tip the worker who gave her the facial? I don't go to things that require tipping if I can't afford to tip. Jobs that earn tips are usually working class jobs.

[@trustbutverifymedia8470]

I bet some other crazy chick out there would make a donation with a credit card they can’t pay off

[@cindersapfrog5598]

"I'd rather be broke in Los Angeles than rich in the Midwest" rich people can afford to fly to LA for concerts if they want to

[@amandak.4246]

also, musicians come to the midwest? like how hard is it to go to cinci or chicago instead of living in la

[@SwimSweetie100]

Yea and LA isn’t even nice anymore. Paying astronomical prices for like nothing in return

[@kateb2643]

Imagine thinking you have to live in LA or NYC to go to concerts in the US. Like have you ever looked at a tour schedule? There are towns on there that nobody's heard of

[@hadleyd.4134]

That comment is extra funny, because I live in a midwest city (not even a very talked about one or even the biggest in my state) and it's surprising meeting the amount of people who have moved here from Cali and NYC because they wanted to own a home or even a ***spacious apartment*** (real words one person said). And I still know several people who went to the Eras tour multiple times without going into debt somehow.

[@vvitch-mist20]

I live in NYC, and people who move here have that mindset. I'm broke in NYC, and I was born here lol.

[@chickadee818]

I’ve been saving small amounts ($25-$50) per paycheck for a while now. Recently our old dishwasher broke and my husband was so impressed when I was able to order a new one that same day. He didn’t want me to spend the $500 but I told him that is exactly what it was for.

[@seeyeah5172]

Yes! Way to go! My husband and I are similar too. I have my money and he has his but if something needs to be replaced either one of us have it and the expectations not always on him. Teamwork!!!

[@helenarichard]

I repaired it myself. And if my dish washer broke, I would just wash by hand man. Dish washers keep you broke it seems. They want you to by a new one ever heard like smh.

[@chickadee818]

@@helenarichard a dishwasher greatly improves our quality of life. So for us, it is worth it.

[@Parrot5884]

​@helenarichard Do you live alone? Cause "Just wash by hand!" is a very "I rarely clean up after more than one or two people" thing to say lol

[@ownlydown5933]

There you go. Keep it up. Cut out more crap

[@Lettiiixo]

VERY BROKE LOL. I finally paid off my credit card debt . So now I can start saving and allocating my money the right way.

[@victoriagreen3047]

😂😂😂😂

[@hcf4kd1992]

Don't forget to invest

[@Roses-Peonies]

Congratulations, love!

[@arh1234]

🎉🎉

[@RiverHayes604]

Congrats!! Thats not easy, but I'm happy for you!

[@MissJoyce88]

Not me thinking doom spending was spending money on prepper stuff to prepare for a catastrophe 😅

[@AnimalFarm341]

So true! Like all the canned foods Ive got 😂

[@dianebrooks1859]

That's what I thought it was lolol

[@NegressOfSaturn]

Right!!!!

[@cheri31]

I thought that too!!! 😂

[@JamieMittman]

Do whatever you want with your life but dont come crying to everyone else when the consequences catch up to you

[@neeciiw7840]

Thank you like it’s as simple as that

[@marym.1964]

Or ask the taxpayers to pay off your student loans.

[@wanjawandia1786]

Right they always the main ones complaining about not having money but they have poor spending habits nd then want everyone to pay off their student loans from a useless degree they CHOSE to get.

[@superflatjellyfish]

According to her, it's apparently "America's problem". Smh

[@tpot7269]

I would say a balance is the key, my sister died at 26 from the melanoma, and her last months she was regretting not traveling enough or trying stuff she wanted but never did because she was always studying or working, so don't put yourself in debt hole but also don't forget to enjoy life, take vacation and try things you always wanted, so you will be not regretting it later.

[@markusgorelli5278]

Did you see that story about the employee at wells fargo who died at her desk on Friday and nobody found her until Tuesday? ick.

[@tpot7269]

@markusgorelli5278 that's actually crazy. I didn't saw that need to check it out

[@babydollkincaid4584]

@@markusgorelli5278 Yes how sad it was😢

[@Wjosvn63]

Just the thought of someone joking about starting a Go Fund Me for their pathetic life choices is nauseating. Sit down girl. Not demure.

[@nicolechampeau8432]

Not cutesy.

[@Marriedintheislands]

I feel like being debt free, having emergency savings and a retirement account but then also having balance and rewarding yourself having fun but not going overboard

[@yesiamsharon]

I am going to yell about this. I’ve been working for 4 decades!! I cannot express how tired I am. It’s a tired that cannot be put into words. START SAVING NOW!!!! That day is coming when you will NEED to retire. You will absolutely want that option. I just cannot stress this enough!!!!!!!

[@user-kpkxgtj]

You need this 🎤 I just turned 40, and it hit me in a big way that I absolutely *do not* want to put in 20 more years working the type of hours I do. If you had asked me when I was 25 and just starting out, my answer would have been very different - I didn't see the need to start saving for retirement until I was maybe in my mid 30s. I thought I'd be happy working till 60 so I would have all the time to save. Thankfully company policy forced me into the retirement plan about a year into working here. These ladies have time on their side, if they knew just how far a little money allowed to compound for 20, 30, 40 years would take them, they wouldn't waste it.

[@yesiamsharon]

@@user-kpkxgtj Yessss!!! I thought all these same things. I learned too late.

[@tinywalnut6337]

"I've never been happier." "I've had a very depressive week."

[@helenarichard]

That is just life of a woman. Every month we have a depressed week lol. It's PMDD

[@tinywalnut6337]

@@helenarichard 🙄

[@raylayaaaa]

@@tinywalnut6337not you upset at facts lol

[@Nanci-AnnBiviano]

Exactly what I thought!!

[@wil.d_sage]

Her problem that week was probably that she got the wrong drink from starbucks

[@malkulaas6380]

The lady and driving at the same time makes me crazy. Like yes, you are right... you could get hit by a buss all of the sudden

[@neeciiw7840]

FrFr 😫😅

[@7thCobweb]

lol thank u that made me laugh

[@Parrot5884]

Nah, she doesn't need to be worried about busses, busses need to worry about her 😭

[@tinywalnut6337]

I went to Costa Rica AND the Dominican this year. I cooked as many meals at the hotel as physically possible, didn't drink, and made coffee at home. Loved every second of it.

[@Razialia]

What hotel did you stay at? I find most don’t even have a microwave.

[@dustinquinton]

Being financially responsible is very attractive!

[@juliajs1752]

First they ruin minimalism and now "demure" is a dirty word all of the sudden... I had a few years of something similar to doom spending after my mom died suddenly. I lost all ability to have delayed gratification - because I might be dead by the end of the week. That book that just came out? I had to have it immediately. The yarn I saw? Grab. The advent calendar? Eaten on the first day, because I might not be alive to open the last door. It took years of mindfulness and awareness to step away from that abyss of self-destruction and desperation. And of course, all those purchases never helped, because they didn't touch the underlying cause of the issue. I wonder what the underlying cause for those tiktok'ers are... Most shocking for me was that 29-yo with 38k in debt, part of which was for some random vacation. How does one even look towards the future with such a dark cloud over one's head?

[@jr5557]

People are using demure in a positive way right now

[@gabiayala2495]

I'm glad you said this. I experienced something similar when my grandpa passed away suddenly. Nothing felt certain anymore & I was spending like I actually would die tomorrow. The best money I spent in that time was my therapist. He helped me to understand why I was doing these things that were wrecking my life, and I'm glad to say I'm on a much better path these days.

[@nanalamystique]

Same for me. Not someone who passed away But my Binge Eating disorder was cured so I turned into "compulsive buying" For me it's not "Tik Tok made me buy it" but "Depression made me buy it" ...

[@saint-cyrmagdalene8782]

I'm still quite young, so I might not be able to properly sympathise but I hope your doing better now. P.S. 'demure' is used as a positive, so atleast it's not ruined.

[@de5072]

It's so weird hearing the opposite side of this. Since my dad's death a few months ago I've had the opposite. Why would i buy this? I could die tomorrow and my family is gonna be left going through my shit. Why put more stress on them? Granted my dad (rip) was a hoarder and it's been stressful months later going through his stuff.

[@marynorton6068]

Theres an assumption in some of these TikToks that you need to spend money to enjoy your life. Maybe they’re looking for happiness in the wrong places?

[@jewjewbees24]

This is what I find as well, it's ridiculous

[@helenarichard]

My dad is frugal and creates all the time and he still complains lol. Nobody is happy. Nothing external can make you happy. The only way to be happy is from deep within, and to be satisfied with what you have and to focus on love for another.

[@catherinn.951]

I love how you phrased it

[@shanks4391]

This!!

[@sugasweet435]

The all or nothing mindset is what’s making this a problem. You absolutely can treat yourself and still save. Treating yourself doesn’t have to be coffee everyday, it can be a couple times a week, or heck, save by making it at home yourself. You can go on a vacation, but it doesn’t have to be the most expensive. The word of the day is moderation. My only subscription is KZbin since it’s what I’m on the most and I share it with my bf. We order out twice a week. I could/should make it once a week, but for where I’m at right now? Very mindful. Bills are still paid, very cutesy. No credit card debt, very demure.

[@chelscara]

I think people knock stay-cations too much. Once a year my mom and I do a stay-cation at a hotel nearby. We're able to splurge a little bit on the hotel because we're literally driving down the road, no plane tickets, no pet sitters. The best part is when you have to go home, it's not some exhausting excursion, its just a quick drive

[@KM-nq7hz]

Doom spending is insane. That is so scary.

[@nanalamystique]

It is, and when you do it while being conscious about how bad it is. It's horrible you feel guilty but you can't stop. I stopped because I am mentally better now, but yes I have no money because i spent it all last year. + my dad got sick + I still don't have a job You always expect "oh i'll have money later" but life happens 😢

[@ifetayodavidson-cade5613]

A lot of personal finance and money management is about subjective emotions and beliefs about money, rather than objective earnings and spending.

[@baronessboomer3865]

That English gal was SPOT ON! I've always thought that this should be taught at school. How to budget & pay your bills, the consequences of credit card debt, & how to save for your future is the most important thing you should know when you start your adult life!

[@loba822]

Except the savings with the boyfriend part. Nope. There’s no protection there.

[@baronessboomer3865]

@@loba822 true 👍

[@user-rb6vy2fg2h]

I noticed how she looked at the camera when the girl said that. Like, topic for another day….

[@heatherhaven1268]

There was a math class like that in my high school. We had three types (calculus/business/applied). But the teachers would discourage everyone from being in the “dumb” maths and go into calculus. If you were in AP or IB classes, you HAD to take calculus. I regret not taking the applied math

[@UnknownUser-by4le]

she lives at home, if she didnt she would have nothing to save

[@theeerarestjewel]

I legit dont understand how people dont know how to cook at home.

[@DivestedChristian]

They see it as beneath them

[@unturned6066]

Right? And then they go out at buy a glorified sandwich at McDonald's. Could you not make that at home?

[@theeerarestjewel]

@@DivestedChristian Cooking at home I know all my ingredients and the quality of them. And I know there's no one sweating on top of my food, or dropping my food on the floor. And I'm not paying more for less quality. And if I want more, I dont have to pay extra for some chicken in burrito bowl for example.

[@theeerarestjewel]

@@unturned6066 Something as simple as a burger which takes 10 minutes to make! Huh 😑

[@theeerarestjewel]

@@DivestedChristian Well it's beneath me to pay $20 + for each meal. Call me cheap.. And my family are great cooks. I know how to cook 9 different cultures dishes thoroughly.

[@DeadDancers]

Fear spending makes total sense for me. If you don’t see a future worth living for yourself, no planning for it will make sense.

[@FeiWeltall-z2i]

They better not ask for handouts later in life then.

[@kme9861]

OR…. if they changed their thinking, maybe they could be planning and making choices that lead to a better future.

[@CarlsCozyCorner]

​@kme9861 the future in general is not in our control.

[@raylayaaaa]

@@CarlsCozyCornerbut what if it is then what?

[@kme9861]

@@CarlsCozyCorner sure. Some things are. You have full control over your own thinking and actions. This excuse is the difference between successful and not so successful people that create their problems and blame everyone else.

[@crazy4beatles]

Balance! I have a bad relationship with money. Grew up poor and parentified. So I save and save, and then feel incredibly guilty “treating” myself. People see me as a spendthrift. Don’t eat out a lot, don’t get coffee, nails/haircuts, no car etc but that’s the only way I can take trips and go to concerts. But even there I budget. Hostels, economy flight, public transport, make my own food and just do a couple meals out when traveling. I like camping and hiking as hobbies. I now support my mom (who is in her 70s). So you best believe I’m maxing out retirement accounts, trying to catch up for the years I was undocumented and working shitty jobs. Got my undergrad fully paid for, no student loans, no credit card debt. I have no one to save me, so I have no option but to hustle to make sure I’ve built my own back ups

[@MissThaaang]

I quit my job making $80k a year to help out a family member with watching their special needs child for a year and now make $43k a year. 😂 holy humbled. I payed off 10k before I left now have about 5.5k left just can’t wait to pay it off and feel less shocked. I do miss being more comfortable, I did meet with a financial advisor so we out here changing things.

[@skaterzrule4]

You got this!!

[@Hwgt888]

Cutting your income out half to raise a special needs kid that isn’t your own is not noble. It’s shameful that you took that hit knowing you can’t afford anything.

[@schokococoa575]

Thank you for your sacrifice!

[@samanthafreeman4315]

The people living in the now, not saving, splurging all too much, are the healthiest they will be. I work healthcare and it takes just ONE catastrophic incident to put you in a position where you wish you'd have done better with finances. Life is about balance. Even Hope and Larry from Under the Median channel drink good coffee and enjoy their outings and such. Figure out your balance. You'll be old and in too much pain to work to get out of debt before you know it.

[@michi-bi]

How much would you recommend saving up for a health emergency for the average cost?

[@helenarichard]

Ikr i am financially anxious after a few years of being a buy-everything-I -want type. I make financial plans, investment strategies, I keep track of every euro I spend. I rarely enjoy anything. I stay far away from subscriptions and stuff and all those little daily spending you could do if you just wanted them. I realized today, when I realized I was considering if I should buy a drink because I was very thirsty and about to faint from my low blood pressure, that I was going too far. I have started to hate spending money, I feel ripped off everywhere, and it is not healthy. I need to find balance. I bought a nice lippy and a face mask, and a nice cappucino at the best coffee shop. In fact I found my new fav lipstick this way. Shopping should feel like a fun experience and not like a pressure to get rid of all your money. The less you go to town to shops, the more special it feels. Internet has changed this a lot. Now we spend money every single day. Not normal. We used to go to the "big" city by train only a few times per year and then visit every shop and spend only the cash we had. Those were the days. Now with PayPal i can buy anything anywhere and it's exhausting. I told myself to at least not buy anything on weekdays.

[@seabreeze4559]

er I think that's WHY they are doom spending? they will self delete

[@ciarafitts3874]

I went slightly over budget when I went on a Philly trip back in April. However, I sat an extra $400 aside in my vacation fund to cover me just in case I did over spend while on my trip. I only ended up going over budget by $100. I’m glad I planned for it

[@Thehandbaghottie]

Genuinely asking, how did you plan your trip and budget for Philly? Do a lot of research before? Obvs you can ignore this. I’m just curious I don’t travel often, but I wanna be prepared for when I actually can

[@tugboat2030]

I remember in college people would ask me what I was doing for spring break and I said, "Um, going home."

[@icyglam1895]

In my city in Canada the casinos and Sephora are always bumpin! But the local food bank is saying they are busier than they ever have been!

[@neeciiw7840]

That’s crazy 🤯

[@audreyandrea460]

Yep.

[@Dontloo0kplz]

same i live in canada too, people run to live in toronto or vancouver then complain that they live in toronto or vancouver

[@icyglam1895]

@@Dontloo0kplz really? I thought they were all leaving to Alberta ??

[@alexibarra4675]

I’ve given up. Let them be broke, they don’t want anything else for themselves

[@helenarichard]

What have you given up? Please dont tell me you were giving them money on gofundme lol

[@alexibarra4675]

@@helenarichard on trying to help people be more responsible. If they want to mismanage their money and future. Let them

[@KB-si5fx]

At some point, you need to step back and let it all play out. They need to be willing to put in some effort to help themselves.

[@ray-de-yolisten9934]

All this spending is stupid and when these people think back on it, I'm sure they'll be kicking themselves. The girl in $38k worth of debt could have had another car, that shits crazy. I have 2 credit cards and together owe about $3,000 in which I am taking care of now. I can't even imagine adding more debt and I'm nowhere near $38k.

[@trustedroot]

fr, I have $5k of debt that I'm working to pay off. despite making only $30k a year my bills are always paid and I'm getting my credit debt lower every month. I can't wait until I can put those hundreds of dollars into SAVINGS instead

[@letrice2892]

To be fair that young woman isn't wasteful she has a following online she shows how she spends her money. Her money is allocated whether its for bills and pleasure she has other stream of income as well she has a house which she rent out in st Louis and she's also a home owner who lives in Maryland. She has done side gigs to help pay off debt plus her online platform also brings in money not to mention her job as a project manager alot of her debt are student loans and credit cards and I feel like she's very transparent with the audience showing it she even shows how she spends her child support for her 11 yr old son which isn't much nor consistent. And she recently showed getting a new car she doesn't live above her means at all in fact she bought the car from carvana not a luxury dealership or any thing so I will say she's doing very well and she had those properties while in her 20s she just turned 30

[@tashakayden2434]

The thing of it is, retirement funds don’t take much from you. Any amount is better than nothing. And if your employer will match take advantage. I think we feel that investing and saving takes a lot away from us and that’s why people don’t do it.

[@amandak.4246]

when your employer matches, that's free money you're giving up by not starting a retirement fund! my ex would not listen to me, and i'm pretty sure his employer matched 100%...

[@tinywalnut6337]

I literally see half my paycheck after taxes, retirement, medical, and union dues. It's nuts.

[@tashakayden2434]

@@tinywalnut6337 yea 😭 that definitely makes it hard to invest. But your retirement should be able to be used as a brokerage account as well. Let them invest the funds that are already going to retirement for you.

[@kate9836]

​@tinywalnut6337 wow that sounds a lot, not trying to be intrusive but really curious if you either earn a lot (so you pay higher tax amount) or a smaller amount so even lower contributions take up more of your pay? No judgement! I guess it depends where you're based too? Hope you're having a good day 😊

[@tinywalnut6337]

@@kate9836 It *is* a lot. I've learned that it doesn't matter whether I work a straight 40-hour week or put in for 72 hours. Either way I take home about half. I do max out my 401k and my HSA, so that's part of it, but I think we also pay really high taxes in my state. 🤕

[@skaterzrule4]

For everyone on their debt free journey, keep going!!! We all have our doubts and doing something we’ve never done before, might feel impossible, but please please keep going!!

[@drayaabraham6320]

Demuretsey??? Please stop the madness!!

[@fmango]

I've doom spend for the last 5 years. Not anymore, this next paycheck my last credicard will be fully paid.

[@Ncognito579]

Congratulations!!!

[@stephanied6711]

Same

[@PUNKBUNS]

Proud of you 🩷

[@Akemilighwan]

I over save for my trips like 2000-4000 for a trip and don’t even spend all of that 😭 I have like 300-1000 left over and feel so good

[@vmbay2212]

Same… I save, and pre-pay for all my vacations..

[@gokuwrightattorneyatlaw5227]

I did the same when I came back from an anime con. Now I put whats left over in my savings

[@jazcb-x1l]

Your videos have seriously come at the best time. Over the last year I've watched so much overconsumption and personal finance commentary content and it has all been super helpful in shifting my mindset from the now to the future. Living in survival mode for so long had me only looking at what I could do with my money TODAY and not looking at what I need it to do for me TOMORROW... I made terrible financial decisions throughout my 20s and have finally learned from them all. Overspending is a problem for me so I've really had to learn how to still enjoy life while missing out on some of the WANTS I have in order to be able to cover my NEEDS. I'm back in school to get my degree and a higher paying job, and with the tools and advice in your videos I will be able to make smarter financial choices when I get to that higher income. For now I will do what I can with what I have and will continue building my savings and getting out of debt. Thank you so much for sharing what you know

[@bigd-ina]

I'm currently trying to find more personal finance content as well as some channels that give advice on how to actually save, budget, etc. Do you have any recommendations/favorite creators who have helped you in your journey? Congrats on all the progress in your finance journey btw :)

[@jazcb-x1l]

@@bigd-ina start with Kimberly Clark’s content!! The anti-haul series and their most recent content totally shifted my mindset. Also keep watching Symone’s videos, I have learned so much from her in a short amount of time.

[@bigd-ina]

@jazcb-x1l thank you!

[@LittleHouseOnTheMountain]

The main goal is a paid off piece of land and simple home. No debt. Freedom 🎉

[@lorimiller623]

You can totally save money in a cheaper city. It's not just the lower COL, but normative cues: everybody lives a more modest lifestyle and you don't feel like the odd one out. And big-name musicians come here, too!

[@wurdnurd1]

I was thinking that too!

[@user-rb6vy2fg2h]

The money you save means you can go on a road trip and get a hotel in a big city if and when your favourite band is touring. Makes for a greater experience and doesn’t commit you to enormous ongoing expenses.

[@thecosmicbug]

I'm almost done paying off my debt and I feel so free. I'm thinking about all the extra money I'll have a month that I'll get to save and put towards retirement.

[@TimesUp8888]

Same here! paid off 75% of my debt so far in 2024 🎉 I can feel the weight lifting a little every month as I get closer to putting that $ into savings and a better life instead of debt payments. ❤

[@gabrielle7540]

Same! Once my student loans are paid off in 3 years, I can afford to throw about $2000 per month in just investments.

[@sanjanat1085]

It's honestly scary how people take credit cards so lightly! My rule of thumb is if I can't afford to pay for it by debit card, I can't afford to buy it with my credit card lmao. My credit card is more for emergencies or non-emergent but unanticipated situations, if I want to buy something out of budget, I save for it. How that first girl was "happy" knowing she was drowning in debt and was shameless enough to consider a gofundme for her bad life choices is beyond me 😭

[@Ncognito579]

The crazy thing is some people will indeed pay for it

[@ms.wealthyy]

I thank God for giving me so much discipline in this journey, because I used to be sooo stressed and bored and go shopping to cope and it never ended well, ever!!! Please everyone, do not spend just because your sad or bored.

[@weirdmyst7963]

I am 19 and just got my first job on campus. With my first and second job gone and $530 in my savings, I decided to use half into a safe place to wait until I open savings and spend the rest on things I want, fun, gas, oil changes etc. I'm ok and praise Jesus for it!!! Thinking of getting a 2nd part time to rack more savings. I could have 10k by 21!

[@bt2598]

Congrats! You can do it - keep up the good work.

[@mmarieritter216]

Amazing work!! Girl open up yourself a roth IRA somewhere and make sure it is invested in index funds and you will be a millionaire by retirement if you get get $100 a month in there 🙌🏻 I wish I started at your age!!

[@dianebrooks1859]

At 16 I got my first job and managed to save up $16,000 over the next two years. I spent almost all of it on food, movies, boyfriends, and clothes. When I went to college at 19 I had to buckle down big time to afford it. 20 years later I REALLY REALLY wish I had put $10,000 in a high yield savings account at least. Would have had a ton of money by now. I barely remember the movies I watched and the food I ate, but I do remember all the OT I worked to afford the junk I wanted 🫠

[@SammyNoir]

I watched a video the other day where the girl said that the most important thing to remember to be grateful in life is realising you can't always be happy, because putting that expectation takes you away from properly enjoying anything without thinking "does this actually give me joy?", which then makes you depressed instead in this constant chase for happiness. I feel our generation has been pushed this narrative that happiness is the most important, but honestly being present whatever the circumstances is better for our mental health in the long term. So whenever these (mostly) girl go off and say "who cares about them debt im going to Max my credit card to make me happy", it really means that they are just in that perpetual chase for the "happiness" they believe they deserve every waking second.

[@sunbeam9229]

This is why financial education is important!

[@Jojo-tf2zp]

Loved your spin on the trend, and doom spending is very veryyy real. Its the rationalization of most of the people I know and it's hard to combat. I just try to emphasize that most generations think the world is gonna end in their lifetime, and it hasn't, so let's just play it safe, just in case 😅

[@jewjewbees24]

I find that most people are way too high maintenance. No one is saying dont enjoy your life, but what happened to the simple things? Cut fresh aloe and do a face mask yourself, cook and watch a show, girls night in. Go star gazing. Go sit by a tree and listen to nature. Listen to your favourite artists loud as hell and sing till you're hoarse. Why must enjoyment look like spending ridiculous amounts of money to these "ball till you fall people"????

[@kelisyahwheeler5376]

I’m glad that one girl did try to cook herself even though she failed. Just keep trying you will get better girl 😊

[@user-rn6ji1ye7n]

People....don't SHARE a savings account with someone if you aren't married. If you break up and it's a BAD one... either one can rush to the bank and clear out the account. And there's NOTHING you can do. Same thing if married and share a joint account but at least don't do it if dating. My partner does not have access to my savings I built up over the years prior to him. He's a benefactor but that's it.

[@kelsiemcveety999]

This is a lesson my mom and grandma taught me. Always have your own money, you can never predict how a marriage will end up

[@spirit22poet]

I’m sorry, your reaction to the girl at 4:29 took me out!!! 🤣🤣🤣 I felt like we were in agreement with her until she showed her meal!! I see why she ate take out all the time

[@mephistopheles4910]

Girl yes. I was like "dang baby, maybe make sandwiches and chips." 😂😂

[@wallflowercommenter3610]

I have a min wage job at this time, and pay my bills, but also save enough for retirement and still enjoy a bit of my life

[@nicolechampeau8432]

Asking strangers to give you money while you get a facial on credit it very not demure.

[@iatethecrayons]

As someone who had a doom mindset cause my dad suddenly died at 19 and i had this feeling that "something was going to get me" (use to call it the "eyes in the treeline") ...i get it. but at the same time, its not acceptable. you cant just yolo it all. cause life just keeps going. you keep surviving and waking up, unless you do something drastic to stop that from happening. So in order to break the bad mindset i use to do little gambles with myself like "if i dont die today, i cant think about dying tomorrow" and then two days later it would be "cant think about it for 3 days" and so on and so on until it was "you cant think about this ever again, because look how far youve gotten and look how much better you are"

[@sd.092]

i’m so glad i don’t have tiktok

[@ParkDari]

I love how young people don’t seem to think that doom spending won’t turn them into that muttering little old lady on the street corner who is homeless. No one is coming to save you, sweetie no matter how cute very few men want a woman who is 100 K in debt

[@TheBlackScatPack]

2:30 if they are using demure, cutesy, and mindful as a euphemism for stupid then yes. My family has a track record for longevity so I might be around for a while so why not be tactful and plan for the future because I don’t want to be 85 and be a financial burden on anybody.

[@milkteamachine]

This trend is worrying tbh because people don’t seem to see a future for themselves. A few years ago I was going to end my life so I just spent all my money, went on multiple trips, bought whatever I wanted. It took years to recover from the financial damage I did

[@tar4604]

I had both phases of life. I spent spent spent when I was younger, lived abroad, went to the concerts, spontaneously went where life carried me but to be fair I did that when I still had parents as a safety, and I was blessed for that. When I was fully off safety, I flipped into save mode. I think a good goal is balance between the two. I don’t regret spending money on experiences that made me who I am today, but I also didn’t spend to zero even though I had a safety net.

[@alyssapinon9670]

I’m at that phase where I’m going to be off my parent’s safety soon so I’m trying to find work with benefits and be a bit more mindful of spending. In college, I went a bit crazy because I had my first part time job and was able to pay for rent, fun stuff, and even some bills back home. I had family savings and scholarship money to cover tuition up until my senior year. I was also working less during my senior year so my family and I struggled a lot more then. Had to get into some credit card debt to pay for necessities and I wished I had planned better during my junior year. Living at home has put a lot less strain on me and my family. And I’ve paid off my debt. Resisting the urge to spend too much on going out of shopping, and saving up to get a teaching credential, which while cheaper I’ll have to finance myself this time around.

[@haute03]

Honestly, I just came from watching an hour-long video discussing the global collapse of the middle class and the rise of extreme wealth inequality and poverty. I don't plan on buying anything to cope after hearing that news (I'm opting for some tea and a feel-good movie instead), but I can see why people doom spend. I don't condone it, but I sure as hell understand it.

[@maraMARSHMALL0W]

This is why I don’t have credit cards… the temptation of having things now and worry about the consequences later… I know myself well enough to know I would spend it for the satisfaction regardless and have to face the music later.

[@maraMARSHMALL0W]

And don’t get me wrong I’d like to have it for good purposes of growing my credit but I’d rather not have the door open in case I wanna go spending

[@Starrrydance]

That silent camera look over the dinner almost killed me

[@TheTataxx]

11:36 there's a reason why 50-30-20 is a thing. It provides balance while not sacrificing your future.

[@tawnywilson4024]

As someone who has unexpectedly paid thousands of dollars of medical bills this past year, my main financial advice is save enough for when sh*t absolutely hits the fan.

[@vmbay2212]

Thank You! These folks have lost their minds…

[@Makingstuffanddoingthings]

I grew up super broke. We went camping for vacation! It’s still so fun for me to do, and it’s significantly cheaper than any other vacation. I would recommend that to anyone who wants to travel, but really needs to save money. Camp on weekends, it’s the best.

[@dianebrooks1859]

That's what I do! Just did a 5 day Yosemite camping trip for less than $500. And I bought a t shirt, pizza, snacks, and hiking permits

[@lonnieswag100]

I’m so tired of the self diagnosing of mental illnesses too. That shit just be an excuse for people to be sorry as fuck

[@leahrockell569]

😂😂

[@amandak.4246]

it really is not as hard as they claim to go get diagnosed. i did so for free living in colorado. if you look, there are programs to help you if you're low-income. and if you don't qualify for them, i think it's worth investing in yourself to get diagnosed so that you can seek out treatment afterward if you want it.

[@Iquey]

I mean if it is self diagnosing maybe they can spend the money on therapy. For other stuff it might make more sense to avoid a diagnosis like Autism because having that diagnosis can lead to medical staff treating you in an infantilizing way or trying to take away your agency.

[@KarenA-d2e]

Millennial here... We absolutely have this mindset... "Well if I die tomorrow..." Swipe, swipe, swipe

[@sagecasey7868]

i’m 19 years old and two months ago my credit cards were maxed out, i owed 2.5k in student loans, and i had no savings. today my credit cards are wiped CLEAN, my student loans are down to 2k, and i have over 1k in savings and $400 in stocks. IT DOESN’T MATTER HOW OLD YOU ARE, YOU CAN START SAVING FOR YOUR FUTURE AND INVESTING IN YOURSELF!

[@TheRabxtreme]

Glad I found your channel. You open my eyes (truly) on how insane people have become. Literally ....

[@beanybean000]

I live in NYC (so everything is expensive) and there will be lines that go around the BLOCK for crumbl cookies! like what?? there's no way they're good enough to justify the price and the time it takes to get them

[@ab-vu7fj]

Thanks to you, I opened up excel and created a budget. You have helped me develop my financial frontal lobe and I'm incredibly grateful.

[@Iquey]

1:37 as a Millenial this is kinda embarrassing 😬 oop. 😳

[@RaspBerryPies]

Bro I feel so bad she was like “This is a problem America creates” and like sure but you’re still a human with your own free will Also girlie really said I’ll start a go fund me when there are people paying for horrible medical bills that are 100% Americas fault like whaaaat

[@2010seajay]

My husband died suddenly before he turned 60. All I have left is memories. I’m thankful for the vacations and things we’ve done. We didn’t go into debt but we didn’t have a big savings either. However, I would rather have these memories with him than a big bank account and regrets for not doing or getting anything.

[@CHirano-q4e]

Now you know I sound like a cranky old lady here, but do any of these doom spenders, who just don’t think they’re going to be around soon, have any kind of information written down for their next of kin? If you *really* think you’re going to die soon, you should have a notebook with all your pertinent information (passwords, PIN numbers, bank accounts etc) all set up and ready for whoever will be taking care of your estate after you pass. It will take months for someone to clean up after you, and that’s made somewhat easier if that person can actually log in to your online banking and whatever. (There’s an actual book called In Case You Get Hit By a Bus that details everything if you need a reference material to make sure your bases are covered.) Have you even set up a Legacy Contact in your phone so the correct person can get into your phone where all your bill stuff is (since your fingerprint will presumably be buried with you)? They say people don’t write wills and things because no one wants to think about their own mortality, but if you’re so convinced of your own mortality that you’re not paying off credit cards, then you should be planning for your imminent demise. {Shrug}

[@kellyann4405]

I'm in my 30's - when I was broke in my 20's, my treat was a $1 sweet tea from McDonald's lmao. because savings & investments came out FIRST! now in my 30's, I'm in a better position so my treats have gotten better and I still pay myself first. being a financial planner keeps me on my toes and I have no excuses!

[@AikiraBeats]

We are living in a we want it now generation and it’s honestly scary watching people being comfortable with this. I’m starting on getting out of my debt so I no longer need to worry about it. I hope people understand this decision will haunt them in future.

[@srosegold]

I found your channel a while back before you started covering social topics and this is soooooo enjoyable. I love the commentary style, your personality, and the topics! Keep growing sis 💕🫶🏽

[@SwimSweetie100]

Idk man, my dad died of cancer and I kind of have the opposite mindset of yolo. My dad was always frugal with money and it saved us big time when he got sick. I’ve always got the idea of a rainy day in the back of my head. A lot of people say ‘I’ll work until I die’ but often, we don’t have a choice. There is definitely a healthy balance between ‘live your life and experience’ and ‘save every penny’

[@brittanyd3527]

First clip - She didn’t choose happiness, she chose instant gratification and that was her choice lol also agree with how crazy it is to be filming yourself and driving at the same time

[@bobbih2022]

Lifestyle inflation is real. What used to be a luxury ppl now consider routine. Need to snap out of it.

[@wil.d_sage]

If you tell them that they call you a boomer. Life was definitely cheaper in their day but look at what they didn’t have: no phone, one tv, one car, a trip to the lake once a year, no $8 coffees, no eating out every day. People think its a basic human need to eat chipotle everyday at this point

[@aimee6839]

“I chose happiness” no girl you chose hedonism and selfishness. Not the same thing.

[@hummingbirdofgumption3263]

11:00 While it's good the woman's saving up for a house, she's doing it with her boyfriend. This can be very risky.

[@vandana9182]

Same opinion here , until you know he is loyal

[@mmmm3250]

Can’t wait for the YOLO girl at 13 min to wonder why she’s 85 working as a Walmart greeter. Atleast she won’t regret a single dollar she spend on having fun from 18-85.

[@anrhmn]

Why is this an either/or situation. People forget moderation is thing and budget for treats and vacations.

[@KiezaDS]

You might be my new favourite KZbinr

[@breannahorton]

I doom spend but at least its on house stuff now. Not like decor, but on projects that need to be done, it was a complete mess when I bought it. I got hail damage this spring so insurance is covering new siding so obviously I've spent the last several weeks picking out new windows to replace the leaking single pane windows while we're at it. Most of the projects I'm picking up stuff for aren't necessary or need finished immediately, they're definitely wants (like sconces for the bedroom) but I recognized a long time ago that I spend when I'm stressed so I've made it a point to focus on house things. Instead of spending $100 on clothing that will eventually be donated I'll spend $100 on fencing materials because I have 3 dogs and live 50ft from a highway. Any projects that I can't get done can be resold for a small loss, and any that do add to my daily quality of life (not worring about my dogs escaping a temporary fence and getting hit by a car or lowering my utility bill) and add a small amount to my property value. It's not a perfect fix, but I do spend less because its somewhat permanent decisions and I have to think through everything more. I will add, my only debt is my mortgage so I'm not going into debt for these purchases.

[@Bruno_and_Mizu]

Watching your videos has made me more mindful about my spending

[@kate_6436]

There is a middle ground between hoarding your money and spending like there's no tomorrow. Like maybe put that $50 into a savings account every OTHER month and spend it every other month. What if your car breaks down, what if you have a medical emergency? I do not understand how debt doesn't make people anxious I have a student loan that makes me anxious and that was on a masters degree to move further up in my education and STILL Im anxious

[@funnytime1111]

I think one contributor is the rise of social media. Our perception of what is needed to survive is warped. We used to only see the houses of the people in our community and the pictures in the magazines (but you knew to. A certain extent that the magazines weren’t realistic). Now we see influencers who are supposed to represent the average person but create this “aesthetic” life and over time it makes us feel like we should be living our life like that otherwise we must be poor. Our perception of normal consumption becomes warped. So if we just lived within our means we would be living a more normal lifestyle but many people feel like it’s not enough to survive because they want to feel like the influencers

[@xialo3466]

All these young people think their supposed to be living a multi millionaire's lifestyle just because they see some rich TikTok or Instagram person with that lifestyle, and they just assume that's supposed to represent the average person. They have no concept of wealth class differences or even building wealth, they just want everything given to them without putting in any kind of long-term effort.

[@niknak950]

they keep saying don’t limit your experiences and your fun. OK but are you then limiting your future self from having fun? This works if here and now is all there is. There is a middle ground hunny bun

[@vickieclark5931]

Yeah, I wish I could go back and fix a lot of my stupid money mistakes that I made when I was younger. But I never did this "doom spending" where I am literally running out of money on purpose. These young people are going to have soooo many regrets when they get in their 60s and realize that they will NEVER retire. Many of us with a little bit of money to our name worry about retiring also, but at least we are on the right path and been on it for a while so we will still be able to enjoy our senior years. But these young kids that are literally pissing their money away and going into debt like crazy will be paying for that for the rest of their lives. It's sad to see that, but it will become the norm with the Gen Z generation to be working into their 80s and 90s if they want a roof over their heads. Cause social security may not even be around anymore by then plus companies nowadays don't have the pensions that they used to have. So they will need the money that they invested to retire. They talk about how they may never retire. Well, they won't with that kind of mindless spending, that's for sure.

[@BluejThompson]

Happiness comes and goes, money comes and goes but STABILITY is supposed to be consistent. These people are spending themselves out of their future.

[@GraciePooh]

This video came at a good time. I work and I'm in school. Money goes real fast (bills) and I feel like going on an Eat, Pray, Love journey cause I'm stressssed.

[@renialatrice]

That first girl...yeah that's not normal behavior. When people are suicidal they tend to be content towards the end instead of the usual sadness most people associate that act with. I'm not saying she is but i hope her friends and family check on her

[@UnknownUser-by4le]

The problem is people can’t afford things because of climate however when you get a credit card you feel like you’re not spending your actual money because you’re spending money that you don’t have and that is why we have overspending and lots of debt well not only enough to survive

[@Ali-e5h1b]

Budgeting and debt are just like aerobic capacity and a 5k race. It's short enough that you get a lot of very average people doing it, and focused professionals. The key is to run your race, at your pace. Don't be pressured into running faster than you can maintain.

[@SincerelyEMartin]

One thing I don’t play about is finances. I have had my moments of irresponsibility but never to the levels I’ve seen. I wish people truly understood what being financially irresponsible really says about the lack of respect that they have for themselves and their time. This is really a conversation about Trauma and poor copping skills. Coupled with ignorance and immaturity. However, we are in different times and it is really not set up for anyone to play around anymore or you will end up displaced. We have to learn what our parents didn’t teach us or we are doomed to repeat their mistakes and worse!

[@vmbay2212]

AMEN!💯

[@markusgorelli5278]

Yes UK girl. That is exactly what you have to do. You have to plan your expenses BEFORE you get your paycheck. Not after. Except maybe the first few paychecks that you get when you start to work for the first time. I'll give you 3-6 months to wild out that money.

[@SundaySpeaks]

8:21 I live in Chicago and Beyoncé, Taylor swift, and all the others come here regularly. Lalapalooza is here annually yet she’s talking 💩 about the Midwest.

[@yeet5148]

Chicago shouldn't count. Haha, Chicago has a variety. I'm from KS and moved to Denver area for this reason.. It's more expensive to live, but I also make WAY more than I ever thought I could with my career lol

[@AJRivers21]

Man, i spend money on food, video games and pokemon cards. But i also don't mind working and doing more even when i jokingly complain about it. I also don't mind doing service and work in turn for things as a payment. Like ill clean a house, ill cook, ill garden, ill mow a lawn in turn for like, money or for items i like. The issue is theres so much going up in price, that a lot of people think that everything is going to crash and burn so they don't bother making connections to help them stay a float or savings. I don't mean to use other people, but to work together and help each other like with roommates or family you live with.

[@India-s6w]

The vibe I was getting from the first girl is that she was having a literal panic attack while she was talking