stop telling people to live within their means.
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- Опубликовано: 25 июн 2024
- When we tell people to live within their means it's actually kind of cruel. No one is asking why quality things are out of people's means in the first place. My "bad" financial advice is to live your life. Live your life with joy. Be wise, but trust yourself and trust that you deserve joy.
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We’ve been programmed to be mad at the wrong people.
It's like a narcissistic family. The toxic parents places all the children into certain roles causing dysfunction and chaos in the entire family, pitting everyone against each other. Now instead of getting to the root of the problem, all the siblings blame each other and have hate towards one another. Meanwhile the puppetmasters (the parents) sit back and laugh enjoying the destructions that they created in the first place.
This! 👏
Precisely. 👏🏾👏🏾👏🏾💛
this is so true
@@shabrethajennings7291 UNDERSTANDING it on that level is fine, but the REAL PICTURE IS EVEN GREATER! WE complain about our family, but WHAT ARE WE DOING TO COMBAT THESE OTHER ISSUES? WHERE ARE OUT PICKET SIGNS AND OUR PRESENCE WHEN IT COMES TO FIGHTING FOR EQUALITY AND THOSE THINGS THAT WILL PROVIDE US ALL A BETTER LIFE?!! IF TRUMP IS ELECTED WE WILL ALL BE DOOMED BECAUSE OF HIS PROJECT 2025 AGENDA!! The MAJORITY OF US HAVE LEARNED TERMS IN REFERENCE TO HOW BAD CHILDHOOD OR RELATIONSHIP EXPERIENCES, such as NARRSASIST, GASLIGHTING DYSFUNCTIONAL BUT WE HAVEN'T LEARNED THE LANGUAGE ON HOW WE CAN PULL TOGETHER TO PULL OUR COMMUNITIES TOGETHER TO STOP POVERTY, WHICH IS A RESULT OF SOME OF THE GUN VIOLENCE ect....... HOW MANY OF OUR PLATFORMS ON YOU TUBE ect...... ARE EDUCATING EACHOTHER ABOUT FINANCES, BUILD PERSONAL, COMMUNITY AND GENERATIONAL WEALTH, PROMOTING NAMES AND BRANDS OF BLACK BUSINESSES, OPENING UP OUR OWN SCHOOLS AND VOTING! If TRUMP GETS IN OFFICE AND HIS PROJECT 2025 HAPPENS, You and Me both will feel WORST THAN BEING IN A DYSFUNCTIONAL HOUSEHOLD! WE WILL BE LIVING IN AN UNIMAGINABLE WORLD OF SLAVERY WORST THAN BEFORE!! PLEASE ENCOURAGE FRIENDS AND OTHERS TO PAY ATTENTION TO PROJECT 2025 SO THAT THEY WILL VOTE RESPONSIBLY UNLESS THEY DON'T MIND ABOUT BECOMING A SLAVE!
No amount of budgeting or not eating at a restaurant is going to make up for the fact that we don't make enough money anymore. 😢
This👏🏾👏🏾
But you can make more money. Study what skills are profitable and in demand. Content creators are making it seem like it's hopeless, but it's not.
@DebraJohnson while what you're saying is true, about making more money, your comment shows that you missed the point of her video.
@@dcg590 Wow. This is so not the channel for you, Champ.
lol seriously!!!
also to the other comment
If I have to work my self like a slave to make more money. your damn sure I’m going to complain about it. I wasn’t born to work my whole life to not be able to afford anything, be miserable, keep quite about my misery & be depressed
fuck outta here.
Nobody is more pocket watched than a poor person who is deemed as undeserving of anything.
THIIIIIIIIIIIIIIIIIIIIIIS. They stay pocket watching. That's a big reason why folks feel guilty when they want to buy something for themselves. They fear what other people will say. They fear people telling them that they are undeserving. 🥺💛💛💛
If you're gonna be poor... at least have the common decency to ALWAYS be miserable about it. How dare you enjoy life?
@@ariesmryA word!🙌🏽
@@ariesmry lol yep
Facts! I was working, but struggling and my partner was unemployed. One day I had a few extra dollars and purchased a set from bath and body works no more than $10-12. He railed about how expensive it was. Meanwhile he asked for money for cigarettes, weed, liquor etc. None of which were cheap. Misery loves company.
You can't live within your means when you barely have any means.
Thiiiiiiiiis.
Food for thought!
Exactly this
It's always been interesting to me that people will tell a poor person that they don't need another starbucks coffee, but never tell a rich person they don't need another mansion. I remember when the Secretary of Education, Betsy Devos, wanted to slash school funding to already struggling and financially strapped schools, all the while she was on the hunt to purchase her SIXTH yacht. Greed is one helluva drug.
Shrimp, lobster and crab used to be poor peoples food that the rich wouldnt eat. They are the cockroaches and scavengers of the sea. Shellfish that the bible advised not edible. I read this somewhere. As usual it was marketable so they became delicacies.
@@77HeIsLove_woot This is soooooo true. When I worked at a big box store, they used to sell huge bags of chicken wings because poor people would buy them and cook a whole meal for their families. They were very economical and people with money were buying steak and prime rib instead. Then came the popularity of "The Food Network" showing fifty different ways to make chicken wings for parties and tailgating. All of a sudden the price of chicken wings skyrocketed and I have never seen them cheap again. Rich people will put a price tag on anything, knowing that we will buy it because of our need to look like we're rich.
They will sell you an $80.00 cup of dirt on a Tuesday when it was free the day before.
Woof, you said so many important points…!
"The problem isn't that people are living outside of their means, the problem is that people don't have the means to live well" This is profound ❤❤❤❤
Also, low key we are all renting!
I feel like she is the new “poetic justice”. Her words of truth are poetically profound
Yes.
This is so true!!!
In the 1970s we used to have to have commodities to make ends meet and in those commodities they would give us food for filler like bulgar.... We could not afford fuel oil and we lived in North Dakota major problem... This is not something new.... Thousands of people in America grew up not having much....they didn't whine.. The only organic was the food we grew in our backyard or in 5 gallon buckets on our patio... We played kick the can We didn't even have enough cans to turn in for money. We did not have a television... We did not have 2 cars we had one car and 1 bike... We lived in a town of 5000 we were considered average.
Anthony O'Neill is black and he did the Dave Ramsey program as one of the Ramsey Personalities..
Dave literally leveraged debt to gain properties and acquire wealth. Then he parlayed his wealth into his current success as a financial adviser. He has a captive audience because he has money and what you mentioned. He knows how badly people want to have the wealth he has, so he slapped a label on it and now he’s selling it. You speak facts!
I would’ve been stuck in the hood otherwise.
Dave has helped SO MANY PEOPLE!!! God has blessed him with the wealth he deserves because he wants to see everyone else WIN 🥇
He filed for bankruptcy TWICE, the first time as a MILLIONAIRE !!
Period 💯
I went to the Caribbean twice last year because I needed sun, sea, relaxation and lots of melanated people around me. The food and culture filled apart of me that I feel disconnected from. Could I afford it? no but i stopped worrying about it and now I'm no longer owing.
Good for you
sun and sea is so important. i'm cut off from this part of myself, to realize and acknowledge what i need is so incredibly deeply painful because it comes with the reality of denying these very basic things humans need. relaxation? a life without fearing homelessness and hunger and abuse and violence black women experience without the security of four walls and a roof. it's all so painful.. i can't even let myself dream of something like this because i'm scared i'll try and go get it.
Love this! I'm about to do the same and just live as the more I try to save and pay off debt, life just continue to happen so I'm not worrying about it even more.
I heard Dave Ramsey say recently on his podcast that broke people should never go on vacation and I totally disagree. I think if you have a way to get there you should just go, because if you sit around waiting for the “time to be right” the right time may never, ever come.
You are so right about housing vs renting. I am so tired of people, especially black people, reducing those who rent to ‘throwing money away’ and creating this ‘I am savvy with money because I have a house and you’re not because you’re still renting.’ If you have a roof over your head you’re not throwing money away. Also, if home ownership is the key to wealth, why wasn’t my grandfather and grandmother wealthy? Why aren’t my family members wealthy? They all owned or own homes- where is all of this wealth that homeownership provides?
Listen, I am a homeowner myself so I am not against it, I am just against this debate about renting vs buying especially amongst African Americans.
All of this!!!! 👏🏾👏🏾👏🏾💛💛💛
I’m so thankful my mom left me an inheritance right before the pandemic. She also owned her home. That’s the ONLY way I was able to buy a house when covid hit. So I understand the struggle❤
Housing is unaffordable. Only reason I’m not renting is because I’m living with my parents. That is my privilege . Some don’t have that option and have to rent. Rent is too high as well.
If many home owners r real, they will tell u how costly a house can b. They don't speak of the repairs & maintenance that extends the price of renting. Not just that, but every1 doesn't want the responsibility of home ownership, nor does every1 necessarily live n 1 location all of their life. Selling a home is not always as easy as people think. Buying a home is not as affordable n many places as it once was. Most places where homes r under $200K, the average working person doesn't want 2 live. I just let people live & do what's best 4 them.
In most cases, renting is indeed throwing money away but that doesn’t mean that because you’re a homeowner, you’re wealthy. That’s absurd. I bought my house, not to become wealthy but to make sure my kids would always have a roof over their heads.
"You get what you pay for when you buy cheap" but I should "live within my means" aka "poor people deserve to suffer in poverty"
EXAAAAAACTLY.
You've said it all Alecia. Financial Gurus always make you feel incompetent and less of a person Meanwhile their advice most times are not practical. Most don't really tell you the truth about what they did to become wealthy
Thiiiiiiiiis!!! 💛💛💛
I just had a RUclipsr Fin Guru say I was "envious" and "ignorant" for suggesting that a lot of ppl who are so well off in this hellscape economy are faking, cheating , lying or stealing. Maybe I struck a nerve with said Fin Guru.
@@anajackson6677 It's all smokes and mirrors. They hype themselves up as masters of sorts, then make you feel inferior in order to sell their courses to you. And the courses usually don't have any relevance to your unique situation
Absolutely agree. And can we talk about how nobody really "owns" anything to begin with? Everything can be taken from you at any minute, I feel like people with lots of money try to develop a false sense of control when they try to lecture about money. But people really dont have the control they think they do.
Also we live one life and the thought of living it on an indefinite budget, to acquire assets that can be taken back by the same bank that you paid off is just extremely depressing to me. It’s like living your entire life counting calories, can’t even enjoy a meal smh.
🎯🎯🎯
well said!
PHEEEEW. This. You're never really safe and you never really done. They're always thinking of new ways to get folks. 🫂🫂🫂💛💛💛
SPEAK ON IT!! 🗣️🗣️ it’s turned me off from the personal finance “community” altogether because instead of useful information and practical advice started to sound more like “let’s all come together and shame the poor, unprovoked, and act holier than thou without being called out for it”
It’s honestly so sickening how many people who are NO WHERE NEAR RICH would act as pompously self righteous and ignorant as the tone deaf billionaires. It’s like there’s no room for nuance or self awareness with these people, let alone even just a little bit compassion and empathy!
Should be a ubi then get out there and go for it
Yeah I really just want to find out how I can be okay in this world.
A fraction of the problem is the prevalent resistance to share within families or communities. If people shared their cars, homes, food, gardens, more people could increase their capacities and rest, play, create, and have much more fun! The whole idea of "making it independently" is false in most parts of the world, especially in the "blue zones."
Agreed. I do wish we'd share more. Far too many people say things like "Well, I got mine, so you have to get yours..." NO. Sharing resources helps SO much.
I LOOOOOOVE learning about the Blue Zones. That is helping me design a life that's good and healthy. Much love and joy to you.
@@AleciaRenece Yes! I am a lifelong student of the "blue zones." The ExodUS Summit community incorporates so many healthy elements that are practiced in those "blue zones" communities. More blessings to you as you continue to speak your truth while sharing your processes with us!
@@AleciaRenece that's pretty much the standard in the black community
It's not just sharing of things, but simple information. People won't even tell u how they attain simple things where info is not readily available. When I found out about my city's home buyer program, I told any1 who would listen. They were offering all types of grants 4 people who made less than a certain amount a yr. So many people can benefit & build with simple info that I c people charge 4.
Finally someone speaking on the costlyness of being poor. Do people not realize the longterm EXPENSIVE health care cost when you choose to eat noodles, rice & beans everyday?! Not a fruit, a veggie, & barely a fiber?! As someone who did this briefly…I developed thyroid disease because these foods cause your cortisol and hormone levels( especially as a woman) to spike through the ROOF! I finally starting “paying for my health) and trying to reverse the affects of insulin resistance, Hypothyroidism, imbalanced hormones & high cortisol levels at 26 & I’m slowly starting to results. It sucks that I constantly think back to those times when I wish I would’ve invested more in my food and stopped listening to ppl who told me to eat like a poor person to save money. It’s ridiculous.
And to think there’s people with plenty of money, who still feed the garbage to their children and don’t understand the long-term effects of a bad diet and malnutrition
Same thing with stress relief and entertainment. I'll be dead from stress before I pay off my student loans or get a mortgage. Those aren't achievements if they kill me trying to get them.
I worked in the mortgage industry for almost ten years and when people preach to me “You should buy a home.” I always tell them “If it took my last to get the home and let’s just say I need a new roof. Where am I supposed to get the money? Take out a loan and get in more debt?” There are a multitude of ways you can lose your home and people do not realize that. At the end of the day, the only land us poor people will ever own is the our burial plot.
Damn. That’s real
I seen a realtor trying to convince people to buy a home in this economy low key shaming renters smh.
@@dcg590you seem to have a lot of answers. Do you help people solve problems for a living? Or you just like to troll random strangers on their life situations that you don’t know the first thing about?
I bet he is poor himself with all these “solutions” because he thinks you can save & work yourself out of poverty.
Nurses & doctors are poor in the west. In the UK. the NURSES who SAVED so many people during COVID watched people die are going to food banks & can’t afford to live. A police investigator told me she can’t even afford the new apple headphones all while telling me that the reason why a SERGEANT abused me is because he’s overworked & that’s why I am pivoting to a better career & out of the West.
Even the burial spot is another scam. "Final resting place" is a lie, since most cemeteries get dug up after a few hundred years unless it's one of the lucky ones that becomes a famous historic spot and stays preserved longer.
I know they have to get dug up eventually other wise we would be surrounded by nothing but cemeteries, but the fact they charge us a lot for a "final resting place" is just as messed up as everything else we are sold.
I swear we must be on the same wavelength because I was just thinking the other day how we own nothing physical for real, everything is rented, even our own bodies. The only thing we truly own is our spirit, soul, or the energy that animates us. And even that is fleeting. Wow.
if your renting you're doing it the wrong way. renting is for people who can't save or budget money or those who are too fussy to live in poverty while they save to buy things.
@@xx-thenightrider When I said renting, I didn’t mean literally. I mean that everything we own is temporary on this Earth. Our homes, our cars, our clothing, our possessions, our loved ones- even ourselves.
@@SweetT358 so true
Ive never listened to financial advisors. I can count. Those ppl aint nothing but hustlers themselves!
Ever since my mom told me this about how we never truly owned anything. I stepped out of the race and really just started focusing on me and my own timing. I’m not stressing about any of this stuff anymore and whether or not I’m on my time in regards to my age or NOTHING anymore.
Own**
Poor people are exploited.
Usury
But when you spend above your means, you are being exploited. Interest charges can kill you. They fool poor folks into thinking a nice sweater or new car will make you feel better about being in poverty, then kill your credit score. Come on yall are mad at the people trying to help you.
This is why I love your channel. This nation was built on free labor and that's what the "elite" still wants. They hate to see us enjoy ourselves. Speak, sis!
@@realashandaatlarge I'm so glad you're here 🥹💛🌺🫂🌻🌞
Still listening through this video, but talk about food for thought❤
Just finished listening. I am 38 and am moving out on my own presently for the first time because I thought I HAD to save for a home first... because of so many mindsets you mentioned in this video. I am a teacher, over a decade now, and it is the most exhausting thing I have ever done. And STILL, I've been considering what I can do for a second job, just so I can have that illusion of financial security. Contentment, however, has been my grace all these years though, even while finally moving alone, and above all, having the resolve to trust God to take care of me, and not my paycheck. Thank you for making yet another video to put us all at ease and set us straight about this risiculous system we live in❤ Real talk.
Thank you so much for even listening. Much love and joy to you 🫂💐💛🌻🌺
Congrats on your own space! I'm 39 and did the same in April! 🥳 Also, thank you for your service in education, THE most important profession in the country! 🧑🏾🏫
I love how you said “illusion of financial security,” because truly, it is just an illusion. I’m working on trusting GOD and not these manmade things.
When you said "we at leasing things with the feeling of ownership" - Yes. Is so true yet so interesting because simultaneously people renting to own look down on individuals who cannot afford to be in the same situation that they're in. And like we are literally the same.
Theres a video clip of little kids in pakistan sharing school books at 8pm because they have to work all day. And it really made me think why do some children have to live like this when there are literal billionaires. Do those kids not "work hard" too?
You’re starting to understand
Dont even have to go all the way to Pakistan, look at what the republicans are trying to do in the south with the working age for kids.
I totally agree. My late father always said: "cheap is too expensive" (cars, shoes, clothes etc.) and food also. Cheap food from supermarkets is too expensive for your health!
@@r.carlier8022 thiiiiiiiiis 👏🏾👏🏾👏🏾💛💛💛
Nothing is more expensive than poverty.
Love this! That's why I stopped with Dave Ramsey as well. I follow the Budget Mom because I have to live my life. We are not promised tomorrow.
Also, let us stop judging ourselves. We are right where we are supposed to be on the way to where we want to be ❤
Well Shite sistah!!!! this video made me cry and smile almost simultaneously!! THis is such an important and overlooked conversation. Thank you for always standing in the gap.
Finally. Sometimes you don't make enough to survive. Roommates sucks when everyone around you is broke. My Dad told me that his credit and relationship with money got better when he made more.
Thank you for this! It reminds me about something I think about often, that American capitalism is just one big marketing scam. It's not about what really works but how much can someone exploit others.
Also, that the wealthy basically outsource their consequences to the rest of us. We pay for their actions.
As someone who is currently 25 and fully responsible of everything in my life along with having no support or community I AM EXHAUSTED! I am tired! I don’t want to survive anymore! I want to live my life and be able to enjoy it at least most of the time! This economy is terrible and everything has and is going to shit. 💔 When will it get better? when will life change for the better! People are killing themselves because they couldn’t handle what life is bringing! Foods we are eating are killing us slowly and we have people in the healthcare field that only care about money and not the well being of others!
Stop expecting it to get better. The solution to making it better isn’t something that you and everyone else in society are willing to do so there United States is gonna stay this way due to complacency.
@@MB-xv7er I see you have your mind set on believing things won’t get better. Everyone does not think that way, the world isn’t over so the chance of things improving are possible. It’s just there are people in high positions who are greedy and inconsiderate of the needs of others outside of themselves! I’m not expecting anything I just simply want a better economy and better decisions to be made on the behalf of everyone. Saying nobody including myself is willing to do something to bring about change isn’t right because there are people WHO ARE going about creating change. I assume you are not aware of this but you should do some research instead of jumping to that conclusion. Speak for yourself because I didn’t say once I wasn’t willing to create change or help in some way.
My husband watches Dave Ramsey and I tell him all the time he doesn’t want poor people to have fun and enjoy their life. He believes in suffering until your “rich”. My husband finally understood it and hasn’t watched him in a while.
That’s not true AT ALL. Dave doesn’t want people to be slaves to lenders forever. When you get out of debt, you can live life on your own terms.
@@DebraJohnson *IF you get out of debt. Most likely will not, because the goalpost is always moving. Poverty/poorness is by design. Our society needs an underclass for a small percentage of people to thrive.
no point using your education on people who are good capitalists.
@@Mara.Isabelle 👏🏾👏🏾👏🏾💛💛💛
What do you think about Caleb Hammer?
No one really owns a home 🏡 here in America 🇺🇸 because as soon as you can’t pay that property tax anymore, which isn’t anything but rent for the government they’re coming to take your house regardless if it’s paid in full or not💯💯💯💯🤷♀️
I have thought that too that is rent.
Budgets are not immune to inflation. I've seen inflation destroy budgets through no fault of the individuals.
I always say to assess your personal situation and act accordingly. There's no real cookie cutter situation.
It is sad when people are unable to meet their financial needs; however, I use this phrase a lot with my family members who have chosen to pay $500 for a weave & $200 for eyelash extensions. Then they call me wanting to boring money to pay utilities that are about to get turned off. I do not get upset at them for asking and I remind them not to get upset when I say "no".
I had tenants who couldn’t pay me the month’s rent after spending a week at Disney World, same thing, priorities I guess!
lots of people are terrible at saving money. they also don't know how. i see people wasting so much money it disgusts me sometimes. for example why would anyone buy a meal at a restaurant when we can cook it for 1/10th the price?
“People will spend THEIR money on what they want and try to spend YOUR money on what they need.”
Their no ignorant and not not to ask to borrow money for thing they can’t afford. Needing help on a bill is a better story! 😂
Damn.
Alecia for President!!🇺🇸😂 You share so much knowledge and powerful insight. Wow!!
I agree and don't at the same time. Overall, I believe "living within your means" is GENERALLY a good idea but I absolutely believe it is more difficult to do so when you are poor. Finding general statements that apply to everyone is the problem here like telling everyone to go to college when most people don't have any idea what to do in school.
The people that really need to hear "live within your means" are those who only find joy in expensive things and what others have. Like, why can't we enjoy a walk through the park with each other and live in the moment? Those people need to (not be sad) change their mindset and experience joy from other sources.
Also, Dave Ramsey losing everything and becoming a millionaire is like someone becoming a parent at 14/15 yrs old and having a great life at 35. Did it work out? Sure. Would they suggest it to anyone else? Probably not. Same reason he tells others not to go crazy so they don't make the same mistakes as he made.
I'm going to approach this in good fate and just say that some of you significantly underestimate how the intersection of so many forms of systemic oppression in this country harms people. When you talk about people needing to change their mindset and experience joy from other sources, what you are not acknowledging is the fact that having to do this in and of itself is dehumanizing. Why do I need to make my life smaller when somebody else's is boundless with greed ? Asking people to create personal solutions to systemic problems that continue to grow and expand means that they will forever have to continue to adapt to horrible situations. Prescribing personal solutions to systemic issues is not a solution.
@@papertape7911 In good faith, you wouldn't have wrote that or you didn't take enough time to think about what I said.
@@papertape7911 I was going to edit my original to specify these but I said nothing wrong. What I said may have been taken personal, almost as an attack, rather than as I said it and I'm sorry for not finding the right words for better share my point.
1) Just because I didn't say it, doesn't mean I missed it. She gave perfect examples of the systematic issues around poverty. From buying a used car that required immediate maintenance to buying cheap foods that cause health issues later. There's no reason to reiterate what she already said. I'm a black man from Baltimore City, I'm more well off now than most, but I know this well enough without any more. The only points I cared to share in the moment were the ones mentioned.
2) I'm speaking about a very specific group of people, not all poor people. And I initially pointed out GENERALITIES ARE DIFFICULT. Those who ONLY find joy in [what I would consider somewhat] destructive behavior are my target. Changing the 'only' in that statement is my true point.
3) Dehumanizing is the wrong word. I'd never say to remove your joy/personality/sense of self/etc. (which is dehumanizing). I'm saying EXPAND these. If being poor means you can't expand yourself, experiences and perspectives, you are dehumanizing poor people.
4) Did I say a change in mindset would be easy? No. Most men still can't seek therapy. Changing your mindset to experience joy/love/peace differently is definitely difficult. However, we continue to tell men to go to therapy, so I continue to believe that SOME people should look at other avenues for joy, especially if they already are struggling to survive. This would only benefit them because they could experience that joy more frequently if there is no price-tag. And if they become millionaires, they still can enjoy the same joy the exact same way.
5) Prescribing a non-solution to a systematic issue is worse than a personal solution. I've learned to accept and change things that I can in the moment until the [systemic or not] issue itself can be resolved. That's what I learned in therapy at least. Unless I should stop going to therapy now...
I really don't know what you're talking about or why you're being rude to my people, but you gotta go. (that was for Marilyn.... Homegirl.)
She was rude, snotty and annoying.
I love your content so much. You make some of the most thoughtful, honest, and empathetic content that is simultaneously based in the reality of people existing within a capitalistic system that only seeks to extract everything from them.
I agree with Dave Ramsey on some things. His advice helped me in budgeting. I sideeye him now, he puts down adults like myself that live with their parents. I work full time and pay my own bills. Due to financial and employment setbacks in the past, it is not financially smart for me to rent to prove I’m grown. There are others like me. He also fired an employee for getting pregnant out of wedlock. That’s sexism and discrimination.
But, he comes from a family of real estate agents. That gives him advantages in business. I didn’t know that he went bankrupt multiple times.
Just one bankruptcy but he's still a mean jerk to people
3:08. EXACTLY. Most people in the middle class are living outside their means by buying a house and two cars and making payments on all of it at the same time. WAY beyond their means. (Whereas some living less well off are driving shit cars that are paid off.)
Me and my husband are currently living in an old mansion that is separated into individual units owned by our landlord and kept up by his father. Because the father is in real estate and helps his son make money off of owning multiple properties he has made outrageous comments to my husband, basically pocket watching…. Saying things like “Oh did you finally take your wife’s car to the junk yard” keep in mind I own the car and I had it sitting because at the time we couldnt afford some of the repairs…. Or making remarks about my husband being poor, even though we never told him how much we make.
These people get worse and worse and they do NOT care.
It's best you keep quiet about how much you make so that they don't increase your rent. People don't want you to rise, let him think whatever he wants.. My landlord really likes me so he kept my rent low and gave me free deposit to move into one of his bigger apartments which he is renovating brand new just for me meanwhile he has no idea I own MY own property abroad completely paid off. 😂 calm your ego and play dumb for a little while.
I despise that EBT argument. Food is a basic human need. On one hand we hear about food deserts and people buying groceries at gas stations. On the other hand it’s a problem when they shop at “high quality” supermarkets and buy the “best food.” It makes no sense.
Most of those people are mad because they don't qualify for those programs, but yet still struggles to make it. Then you have those who have never struggle and think they are entitled to control what others do or don't. The mindset of man today is corrupt beyond measure.
I literally do grocery shopping at a cornerstore/deli/bodega and at a gas station because I live on a steep hill. I'm able bodied and the closest supermarket is 5 blocks away, but goddamn it's one hell of a trip when you're shopping for the month and have to lug around a cart half your height to get that shit home. something about it is so miserable and depressing. and the supermarket is really small to the point of it being difficult to move through the aisles with a shopping cart from their store. i just stopped going because it's too fucking much. i don't know how to explain why I don't go to that supermarket anymore. i just can't and i don't.
If I could afford to eat 24 strawberries in one sitting, I would. Fruit is very expensive though, whenever I buy them I try to make them last longer by eating less at a time... lol which I think fits with the topic.
No lie, if you have an area that gets some sun, get yourself some seeds and start planting!! I have blueberry bushes and I don't have to buy them from the grocery store because I get them from the bush. We used to have a strawberry plant and it was prolific. We love when the spring time comes around so we don't have to buy certain veggies from the store. Plus they last longer than the store bought fruits and veggies
Yea my strawberries from the store always became rotten before I could eat them all.. and they were tasteless.
Our taxes paying for their greed
I’ve been screaming this through a blow horn for years sis 😂 so glad that an amalgamation of all of my thoughts has been put into video form.
I’m so happy you brought up Dave Ramses and his baby steps. I’ve been trying to follow them for the past year! Barely made it past step 1. It’s true that you will be miserable af following that plan. I’m following the steps but on my own terms!! I’m gonna live my life and have fun, forget all that.
Thank you for mentioning the part about following the steps on your own terms! I absolutely disliked the idea of only paying off debt without saving anything else over a $1,000 until all of the debt is paid off. If I paid off all of my debt and threw all of my extra savings towards that and an emergency happens immediately after I pay it off, I'd be forced to go back into debt if the emergency cost more than $1,000! I dislike how rigid the steps are.
I tried so hard to pay off debt and throw large lump sums at my debt, but life proved to be too unpredictable for me to over-generalize my budget. Dave Ramsey's steps are great for folks that need help with even setting up a budget, and maybe as a conversation starter...but, it's not the end-all-be-all.
Thank you for this video ❤ I tried Dave Ramsey's Baby Steps for 1.5 years and it was really terrible. I tried convincing myself that I could beans and rice my way out of debt. Buying cheap food for 1.5 years really messed up my gut health (distended belly, weight gain, diarrhea) and not going out really depressed me.
Still in debt but atleast in healthier and no longer depressed. I do get SAD about being in debt but then your video put things into perspective. Everyone is in debt!!! House, car, credit cards, etc.
I hope we can all collectively just stop paying these banks lol let the corporations burn. I'm ready for the governement to bail the people out. Not the corporations.
You made a great point, "He didn't follow those steps... Bankruptcy and other mistakes preceded his success". I agree... Poor people are disenfranchised from opportunity and then blamed for being poor.
My very first car was a 95 Geo prizm also a purple one! And of course EXCELLENT message as always! And I remembered my dad saying they use to say FORD stood for "found off road dead" smh 😂
I felt so overwhelmed today, questioning my financial choices. Something told me to listen to you and I’m so glad I did. This message came at the right time. Thank you Alecia ❤
Lobsters are cockroaches 😂. That would be my line when I see people flaunting their lobster meals online
Same for shrimp. They are literally the roaches of the sea.
Now now there let's remember to be inclusive 😂 I do love me some LOBSTA 🦞🦞
I can’t stand lobsters and shrimp. My Mom actually likes to eat shrimp cocktail. No raw shrimp for me. I’m not trying sushi either.
So much trickery and control to unlearn
mom use to say "if you can't say AMEN - say OUCH"! Ms Alecia this made me say OUCH OUCH OUCH!!! bless you for the conversation - well spoken 👏🏾👏🏾👏🏾
You better clock Dave Ramsey! And I agree, only certain people are allowed to “fail forward” and will be bailed out every time.
I appreciate this video. Such a sobering and realistic perspective.
You can't live within your means when the powers that be continue to inflate the world around you. 😳
This was another great video, Alecia!!! The economy is designed to make us think we never have enough and always worried. While companies lied, cheat and steal at any change they have.
Alecia you always come with the truth and grounding us in it. Poor ppl are so policed.
Lol I keep commenting but that's because everything you're saying is so true. Yes. It was terrifying to realize that people do not care for the end of oppression for everyone. They just want to not be the most oppressed. As long as they can climb higher up on the oppression ladder, they're okay with the ladder existing.
Sister, you are a breath of fresh air!!! My wife and I talk about this all the same, misery=profit, and ppl separate themselves from others who have a little less, but the truth is your either wealthy, mid poor, or poor!! We need ppl like u keep speaking truth❤
Gen Z was taught to go into debt for a good education
So were the Millenials.
I agree, also i transferred to a different clinic. The reason i was tired of driving. I can take public transportation. Old coworkers were looking at me crazy. In big cities people take public transportation. You are healthier because its cheaper.
If i was to drive to work.
Construction = stressful and negative drive time.
Its 30-50 dollars a month to park in the garage away from the clinic.
Bus pass - 15 dollars a month.
Bring my lunch.
Clinic right next to TJ.
I know when I was low income I had no safety net. There was no cushion which made every decision terrifying. I had to be SO careful all the time. Now that I'm more in the middle class, I can take more risks because I have options. I have more flexibility so I can take more risks. But it took me many years to build up to this point and I understand how easy it is to lose it.
I hate this advice especially since no one really lives within their means. In my case living beyond means means buying orthopedic shoes this month. Or having more than one McDonalds take-out per month. God forbit an electric appliance breaks in my house, let alone my car. Believe me, living like this is miserable. I've been budgeting since 14. I tried every financial advice in the book, including David Ramsy. And I barely had the 1k for emergencies, which is one of his baby steps.
I hate that every financial guru has been throwing "don't drink coffee" advice for years. Even though there have been a pandemic , lots of recessions, 2008 crisis etc.
@@Magy09able 🥺🫂💛💛💛🌺🌻
With everything going on in the world I truly believe that the most high/ God wants to use everything that’s going on as a way to draw people closer to him. Unfortunately Satan is the god of this world and until Jesus Christ returns to restore order and balance on the earth with the new heaven and earth things will only continue to get worse. I urge everyone who reads this comment to form a relationship with Jesus and the heavenly father to be under the protection of the most high when everything starts to crash. This world and everything in it including all of these businesses are going to pass away but the word of God is forever. May you all be blessed. ❤
Some people do not like to see others happy.
Sistar I stand on Solidarity with you. I appreciate how you put everything I think and feel together. Gratitude Sis ❤.
By the way we’re not “poor” we’re resource excluded/restricted.
Ah! I remember now. It was a Chevy Sonic, may she rest in peace. 😅😂💛💛💛
This concept of leasing life is profound and so disheartening. much of your basic housing and transportation and daily needs. The program to never feel as if you are enough and trying to buy acceptance and freedom
I love you so much. You have no idea how healing your channel is for me. I leave here feeling so understood, and that is such a priceless feeling.❤
I worked with the homeless/houseless for years and I got sooooo tired of pocket watching them for housing purposes. It was so many pieces to the puzzle of why they didnt have money saved for housing. A list of reasons and my meetings with them was mix of systematic oppression, ageism, ableism, mental health, economic oppression, lack of support, self harm through alcohol, drugs, gambling, survival, helping other family members...I can go on and on. The outside forces would clock me because they needed these people housed sooner than later for their number and grant purposes. F all of that i got tired of being in the middle of all of that something I didnt create. It made me miserable depressed and at a times hopeless because it was a revolving door of oppression..
SO SO SO SO SO TRUE.
I live in transitional housing program in a shared apartment with other mentally ill people on SSI. I FEEL TERRIBLE ABOUT MYSELF BECAUSE I'M BEING MEASURED BY STANDARDIZED GOALS THAT I MUST MEET IN ORDER TO BE CONSIDERED ELLIGIBLE TO BE REFERRED FOR MY OWN APARTMENT. The amount of violation, disrespect, harassment, threats of verbal assaults, and physical assault threats I've personally received from other clients/roommates or experiences I've witnessed other clients have is RIDICULOUS. I am hanging onto my mental health by a fucking thread because I'm not safe enough in my own apartment that I contribute $1170 to every month while being left with $200 to spend for the rest of the month.
The amount of pocket watching I experience is excruciating and unbearable and it's literally blatant classism and victim blaming when it comes to being poor and "creating savings." Supposedly, it should be easier for me to budget because I have Medicaid, no utility bills, and food stamps which is barely enough to cover groceries for two weeks because of how expensive groceries are in my state and country.
I can't even be honest with them about my budgeting because I'm simply trying to maintain my sanity and happiness by using my last monies to buy fast food because buying two biggie bags for $14 dollars everyday and using Instacart in a food dessert is the highest form of luxury and ease I could afford. My food stamps doesn't last me the month and because I live in a food dessert, there are more fast food restaurants at every corner than actual grocery stores in rare walkable distance that have monopoly on high prices because there are no competitors around. It HURTS. IT HURTS SO BAD.
And the only reason I am not allowed to get my own apartment is because I "don't budget well" even though I pay my fucking rent on time and they get their fucking money every goddamn month. I don't cook because I was never taught how due to my mom having to work so much during my childhood and not having the spare time or energy to teach me how she did, IT IS A WASTE TO MAKE MEALS THAT CAN ONLY BE LEARNED AND MASTERED THROUGH TRIAL AND ERROR WHEN I BARELY HAVE ENOUGH FOOD STAMPS TO AFFORD TO MAKE THOSE MISTAKES. YES, it is easier to eat fast food instead of spending hours at a stove just to make some shit I don't like. And they simply interpret this as lazy. I HAVE FAUGHT TOOTH AND FUCKING NAIL TO HAVE ACCESS TO THE RESOURCES I HAVE THAT WERE FORTUNATELY ATTAINABLE BECAUSE OF MY PRIVILEE. I DON'T LACK DISCIPILINE, I'M FUCKKKKING POOOOOOOOOOOOR.
I'm GRATEFUL, but I shouldn't have to be thankful for something I need to survive as a human being with physical needs in a physical reality that requires physical materials for me to maintain the functionality of my body without experiencing chronic hunger and being exposed to violence in emergency homeless shelters.
And the most fucked up thing is that they don't pay case managers and social workers enough money to afford to live in this state/country, but work them like dogs while forcing them to shame people who are in the exact same predicament. One case manager I had was living in a homeless shelter herself, but she made too much money to qualify for public assistance but not enough to afford her own apartment for her and her baby...
@@zipitzizzy2442wow wow wow! I'm soo sorry you are enduring this horrific treatment. It's so many layers and levels involved with this homeless system. I hate it. Also they have one case mgr to many people who need help and the CM is overwhelmed with so many tasks and issues within issues with requirements and also people who battle MH issues along with physical ailments, SA and more and the biggestis Economic Oppression! It was a horrible experience and the system is and continues to be rigged!!! Also they love to have BW in positions like this to deal with all of these problems. It also depressed me to see so many BM, families, veterans and women homeless/houseless. 😢
@@zipitzizzy2442I wrote an entire response and it was erased. I'm so sorry you are enduring this oppressive system. That wtf it is. I pray you get all of the assistance, joy and success you deserve!!!
Listening to you feeds my soul. I love you down ❤
Dave Ramsey got me out of debt. 💖 I was never taught how to build wealth.
WM and WW have a safety net that’s built into society where they can afford to fail and make a successful come back.
I have worked with many WP that been poor all their lives and comes from generations of poverty too. I didn't realize this until working day jobs and saw so many homeless and living in cars with tragic stories.
Not saying what you are saying is untrue but have witnessed this too.
@@eternalabundance39someone in their family messed up the money along the way and now the younger whyte generations are suffering
@@always_spring1735 I don't know but think there has always been poor wp people and just poor people all over the world from various backgrounds.
This was IT! This was thorough and well said! Thank you for speaking to the facts. They don’t want to see poor people happy. They don’t want to pay people living wages. They look at us and tell us to rack up debt to get an education and can’t truly make a living off said degree. So many quotables
COMPLEXION FOR THE PROTECTION..
Nurses & doctors are poor in the Western world.
In the UK the NURSES who SAVED so many people during COVID watched people DIE are going to food banks & can’t afford to live or EAT.
A police investigator told me she can’t even afford the new apple headphones on her salary all while telling me that the reason why a SERGEANT who was assigned on my case abused me is because he’s overworked because there are 10 people in their team when there should be 30.
as a victim because the police are overworked, stressed & theres no funding I decided not to go through justice system. It was cruel. scarcity isn’t just money it’s affect every part of life. The medical field, housing.
IM A HUMAN WHY DO I HAVE TO QUALIFY FOR HOUSING.
why are people the dictator on who deserves resources or housing. my heart is grieved. I hate life.
& that’s why I am pivoting to a better career & out of the West.
You're the voice of reason.
You are so correct.....we really don't own anything. We live in a debt economy and the only way to live is to be in debt; and yet, we have no job security....in this system, I feel that living is just precarious. The system tries to shame us, but we are just being gaslight....so that we don't question the grift economy.
❤❤❤!!! This was a whole SERMON!! Thank you!! You’ve brought up EVERY issue I’ve been thinking about. Thank you so much for speaking this truth out loud.
I def agree!!!! Live is short spend money!!! 🤷🏽♀️
spot on. My mother, who was wise beyond words, game out with this gem. Poverty isn’t an absence of money. Poverty is an absence of hope. Living without hope is a living death.
This video needs to go viral! I’m new to your channel but definitely subscribed with the quickness! You spoke so many facts it wasn’t funny. You said out loud so many things I’ve been thinking forever. I’m upset that they’re getting rich selling us things that The Most High gave us freely…land, air, water, fruits, vegetables, etc!! I’ve honestly wondered why we as citizens of this nation have not come together and challenge our government a long time ago! They do not care about us; yes Kanye was right!!
By the way, has anyone ever told you that you could pass for Tiger Wood’s sister 🙂
Really beautiful and empathetic message
I live below my means...I do this intentionally so that I can save and invest.
So many feel RESPECT IS EARNED & not just given🤷🏽♀️
And that makes me sad. 😔
You are brilliant. You dissected this issue like a scientist. I am impressed.
There's a lot of hard truths in this video! However, with that said, I DO WANT TO LIVE DEBT FREE! I DO NOT WANT TO OWE PEOPLE, PERIODT! So yes, I'm being responsible with my coins and my time. I value myself and my time Over been gifted, and I am on a journey to honor and live my life beautifully, without owing my arms and legs to mega wealthy corporations 😅 Thank you again for sharing your wisdom, it was received ❤
oooo gurl...your channel is about to grow.
I'm looking forward to Dave's response to this...he loves when people mention him by name
This is one of the truest videos I have ever seen. We can not save or work out of poverty. Prices are outpacing salaries. The system is rigged to keep a lower class. Thank you for this video.
I believe in you. Everyone who is reading this.
Outside of your means means, don't live in houses or apartments that you can't afford. Don't but a BMW if you can't afford it or the car insurance. Don't eat out every day if you can't afford it. Don't buy designer clothes or take vacations that you can't afford. Don't rack up credit card debt for things you don't need.
I know what it means. 💛🌻
Thank you for putting into words thoughts that I've had for a very long time. You are incredibly eloquent and truly bring words to life!
Such a humbling eye opening message.... Thank you my sistah
Financial literacy is so important...teach your children about investing...saving...and being fiscally responsible.
I always learn something new and thought provoking from your videos.
Same
You dont save your way to wealth, you invest your way to wealth. If it starts with $1, then start with $1.
You do that by living within your means. If your means are meager, thats a sign to plan for a better future. Get a trade, get trained and find a better job. Get a side hustle. Its up to you. You can live within your means if your already broke and struggling, thats your first hurdle to overcome.
I know the struggle, i was poor for ever and im barely overcoming that cause i decided to get a trade and train for a better job, next ill start investing my $1. Its only in my hands. Change what you can control, and dont waste energy on blame.
People are so bizarre. Why shouldn't poor people use EBT to purchase quality food? If they buy crap food though and get sick then that's a new problem that could have been avoided.
Yes ma'am continue to eat the crappy foods (that keeps the Dr, the Pharmacist and the drug makers healthier and wealthier) when we loose our health they gain $$$ pretending to fix us and make us ALL BETTER
Same here...My mother didn't finish school and used to have average jobs and, at my age, had a house and living a life I can't even dream on. 😂😂😂