@@livefreediepretty And the entire episode about Monica NOT having an emergency fund! When we found out Monica broke the porch swing, and not Hurricane Gloria!
@mastersnet18 he caved and said they could spend the money - but when he started talking about the life he had pictured for them she then realised he was right and ended up backing down in the end. Had he not mentioned those things she would have gone for the expensive wedding instead.
@@samelmudir I am very happy for those who are able to have a rent controlled unit from their grandparents. However I think it’s astonishingly unfair to others. It’s just another way wealth stays in families. The wealth inequality in the US is enormous.
@@elizabethwillis885 "I think it's unfair that not everyone has to struggle with paying rent." weird take but okay. The wealth wouldn't be transferred to someone else if they left their rent controlled apartment, and there's nothing wrong with middle class / upper middle class people keeping wealth in their family.
@@crazymonky24 not a weird take at all. Rent is ridiculously high in NYC. So much so that most people can’t afford a one bedroom apartment. The fact that an apartment the same size and same location could be rented for 3000 a month and another one for 800 is ridiculous. The system is flawed.
Disagreeing with Monica as number one. Chandler and Ross always seemed more financially stable, especially because they both supported her during the show.
I agree Ross should be on top as I don’t remember him ever struggling financially or borrowing money. Side note him having 4 divorce made me laugh hard because I never really thought about it.
You forgot that monica didnt have substantial money saved for her own wedding....and relied on her parents to finance the bigger part of it....she was so upset when she was told that they spent it on buying the beach house....their wedding relied almost totally on chandler's savings and when she was fired from her job had to borrow money from ross....that somewhat goes against how monica was audited by you....and i think both ross and chandler were the steadiest of the group income wise... i dont think ross was ever unemployed in the series...i am not sure though....Great video as always!!!
Exactly what I was going to comment. Chandler deserves the first spot because not only did he have proven savings that Monica wanted to send on a wedding, but also firm decision making as he was completely against it. Also helping Joey was a great thing, in todays world we forget that helping friends is important, as they will do the same for us. not only that Chandler did it while have good saving for himself.
Ross was unemployed for some weeks I think? That sandwich incident got him fired and that's why he transferred to teaching in univ. But yeah, he's the most financially stable.
monica #1 is crazyy. i know her personality is portrayed as ocd but it doesnt always translate to finances and she was shown not to have good financial habits multiple times
Rachel is absolutely the best saver in the show- she was ready to have a child as a single parent still in the city and really didn't even factor in Ross cause she didn't know if he'd want to be involved. I will say I think outside of subsidizing Joey and Monica's wild spending habits I think Chandler is also really great but he's got some expensive friends.
Ross had a kid and lived by himself the whole show (besides the small period living with Joey and chandler) Rachel was roommates with everyone throughout the show. And his second apartment was pretty nice. So I think it was more Ross and Chandler because they hardly were struggling financially throughout the 10 seasons. Chandler being financially stable enough to loan money to Joey and Ross giving money to Monica. And even tho Chandler “loaned” thousands of dollars to Joey he still had savings. Which would mean he’s really good at managing his money because Chandler was basically spending money on Joey as you would a kid.
Monica definitely wasn’t smart with her money. when she lost her job in the early seasons she was borrowing money from Ross for her expenses. And then for her wedding they used Chandlers money bc she didn’t have any/enough saved.
When I saw that I thought she was seen what Monica shows and not what she was and it was that. She focus on how organized she "look" and not on her behavior, Monica invested based on letters she likes, wanted to spend all savings on her wedding, had unreliable jobs during the first seasons and borrow money on the show.
In her defence tho she thought her parents had saved up for her wedding. They also payed for all of ross‘ weddings so on that one I feel like yes she could’ve saved for it and not use all of chandlers savings but she also thought she could rely on her parents
As for Monica: During the show she invested in stocks but gambled around, became addicted and ultimately lost all her money. And during another time when she was unemployed she went through her emergency fund/savings and wanted to ask her parents for money but when she tried to ask them they said she probably wouldn’t need any because surely she put aside a percentage of her monthly income
It's good to see pre-nup culture being discussed positively. The best description I've seen for it is "Preparing for the worst when things are at their best".
Its still sad. And awkward to talk about with your partner. There is always doubt of trust when it's mentioned, maybe cause you're preparing for eternity together
I have a prenup, it wasn't awkward for us because we have always had an open and honest relationship with our finances. My husband has worked really hard since he was 19 and I don't think that it's fair that I get half of it because I didn't work for half of it. We have property in both our names and we keep good records of what we spend and what each contributes.
Chandler and Joey were like brothers to each other. I don’t think Chandler had any siblings, and Joey only had sisters. I can see why Chandler would want to help him out.
No offense, but i kinda got feeling you either brushed thru the show or never watched it and found all the info somewhere else. Some events that show how finacially good/bad and stable/unstable are missing. Like Chandler having saving account that had great sum of money on it that was later used as ground payment for the house, or all the times monica was caught not having any savings. Plus, Pheobe never inherited house, she lived in two bedroom apartman with her grandma, she had a roommate Denis, at one point Rachel. Edit: and the fact you don't know how to pronounce someone of their names.
@@clarabattaglia4733 me neither, she could have asked someone who had watched the show or simply watch it, she is supposed to be sorta of a research chanel with tips...
I'm not sure Monica has the best financial habits, When she lost her job she had to borrow money from Ross which would indicate that she didn't have enough savings to get her through that tough time. I would say Ross had the best financial situation. He was always employed with good paying jobs, and despite his divorces, he still managed to support himself quite well. And really, I think only the first divorce impacted him financially considering the other two happened so soon after he got married. Just my two cents 🙂
Yeah that'd be interesting. They should've been making $100k by the end of the seri3s but they always had money trouble. Plus they kept doing stuff like casually taking out loans to remodel the house.
@@NJdaniels96 I always found that loan part weird. The house they lived in, today, would still be fairly modestly priced and a UPS driver & paralegal with no kids could definitely afford it. So I never got why they took out two loans just to redo the basement
As a person who had worked in the restaurant industry, I have no clue how Monica has time to hang out with friends like she does, and friends who work normal hours
I dont think they are all working the "normal hours" either. There is a scene in one of the episodes where they all say thier bosses hate them and one of the characters (I think joey) mentions that its probably because its 11 am on a thursday and they are all here, hanging out at the coffee shop instead of at work.
I'm still confused as to how Sheldon and his physicist at Caltech salary needed a roommate to split rent with but struggling actress Penny was able to live alone across the hall.
@@mxmxmxnanana Sheldon once said that he lived on 50% of his salary after taxes, and he spends a lot of money on comic books and eating out, so I believe he prioritizes having a roomate so he can do these other things... as for Penny, she was well financially irresponsible, living paycheck to paycheck, and the rent probably already consumed a large part of the monthly budget
To be fair I think her spending habits stem from her parents because I remember on the wedding episodes for her and chandler, they did save fund for her but ended up just using it for a new summer villa ( somewhere along those lines) Ross is the “genius” of the family and ig being married also led him to be more responsible whilst Monica got a good deal for the apartment, lived only for herself throughout Ross’s marriage and probably had enough money from her chef days to not “worry” about savings because she probably had more than enough per month.
To be fair I think her spending habits stem from her parents because I remember on the wedding episodes for her and chandler, they did save fund for her but ended up just using it for a new summer villa ( somewhere along those lines) Ross is the “genius” of the family and ig being married also led him to be more responsible whilst Monica got a good deal for the apartment, lived only for herself throughout Ross’s marriage and probably had enough money from her chef days to not “worry” about savings because she probably had more than enough per month.
Semi fair point. But ultimately you're comparing two different scenarios. I don't think Carrie's rent controlled apartment was passed down to her. Whereas Monica's apartment was under her grandmother's name. If her grandmother has lived there decades before Monica took over, the incremental rent increases would realistically be quite low. Maybe not $200 a month low, but I wouldn't be surprised if it was less than what Carrie paid for her apartment. I know of people who have lived in NYC their entire lives and even today their rent tops out at $1000. So how much a tenant pays would largely depend on when their lease began because the rent increases were so minute. So yes I agree that $200 a month seems unrealistic even for a rent controlled lease that has been active for decades but I wouldn't compare it to Carrie's rent controlled lease because she had lived in NYC for a much shorter time than presumably Monica's grandmother and then Monica after (remember, Monica wasn't legally the lease holder) @@tacobellbeefburrito
Monica definitely didn’t have the best money management since she ran through her savings when she was unemployed and had to borrow money from Ross, didn’t have savings for her own wedding and famously overspent on the boots which she eventually lost. If you watched the whole show you would know that Ross was inspite of the divorces and children was the only character who never had money problems.
Your ranking was pretty accurate, I love how you talk about the fact that circumstances and background matter. I’m so tired of people on RUclips acting like we don’t make it in life because we don’t have the right mindset when others have millionaire parents, connections and jobs handed to them as soon as they feel ready to work. Of course good habits, good money management and a winner mindset help to balance a bad start in life but it’s important to acknowledge that part of success mostly overlooked by wannabe financial gurus
HUGE thing you left out with Pheobe, it was revealed in one of the later seasons that she had "sold out" and took a job as a masseuse in a spa chain. She was likely doing fairly well after that. Also, Chandler was clearly #1 when he revealed how much he had been saving for their future and Monica wanted to spend ALL of it for the wedding. (she later changed her mind)
I would say 1. Ross ( hardworking and well organized with money , and he has boundaries when it comes to money ).2. Chandler ( even tho he spent a lot on Joey and spent a huge saving to the wedding , in the end they were buying a house) 3. Rachel , she improved a lot during the show , she’s good at her job and got promoted and she was ready to raise a child without any support as she said it’s alright if Ross doesn’t want to be involved) 4. Phoebe , she’s been always working, trying varies ways to make money, and she was lending money to Monica to do business, and she inherited a house and married a rich man. 5. Monica , even tho she has good job, but she’s not good at investing , she invested in stocks and lots money because she was only relying on her instincts, she faced financial issues while she lost her job means she has no savings , she had no money for the wedding , means she’s organized but just not good with finance. 6. Joey , he just spends whatever he makes and doesn’t prepare for the future.
I bet Joey was probably also kindly supporting his agent Estelle giving her a big percentage, given that he and that paper eater were her only clients.
I knew people on the upper west side I the 1980s in somewhat comparable living situations to the Seinfeld characters. Kramer was obviously ridiculous, but the point of his character is that he somehow always falls bass ackwards into money. He, Newman and Jerry have implicitly been in the same buildong for 10+ years so should benefit from rent control. Jerry is supposed to be not Jerry the hit sitcom star, but stand up comic Jerry, who apparently plays comedy clubs in Dayton with up to 50 people in attendance, but has money to burn on new cars, which is pretty unbelievable. The most implausible character is probably Elaine, who has crappy jobs but somehow affords nice one bedroom apartments.
Remember how Joey bought a house full of expensive stuff when he finally got paid, and then he lost all of it through repossession? That is why he had the ugly dog statue in the apartment because Ross or Chandler (can’t recall) bought it for him. I know it’s all fun here, but I disagree that Joey was good with money.
Idk if this is relevant or not, but as we rewatch the show, husband and I could not stop counting how many groceries they have and almost never use. Specially Joey, who never cooks but has a full pantry. I also love to stop and look through Monica's pantry, full of italian/foreign products (makes sense bc of her job, but also very expensive to have). Plus the fact they are always walking into each other's fridge and taking some fancy water, beer, orange juice and what ever.
Monica didn’t seem to be investing. She ended up playing the stock market at one point when she was unemployed and didn’t seem to understand it at all. Chandler drained his savings account at one point to buy the entertainment unit and chairs and another time for his and Monica’s wedding. Chances are chandler and Monica started over financially after their wedding when they were older and smarter and wanted to buy a home and have children. I’m assuming they would have gotten advice from Monica’s parents at that point or reached out to an advisor because they made really impulsive financial decisions throughout the show.
I came across your channel when I was about to be sucked into the vortex of makeup and skincare overconsumption. It's like you snapped your fingers in my face, really a wake-up call. Thank you!
On the divorce thing... who is left financially destitute after a divorce really depends on where you live and how much you make. I have male friends who's wives had full affairs, even bringing the kids around the guy they were cheating with. Because this is a no fault state, her behavior was not apart of divorce proceedings and it was all but guaranteed that the woman got custody of the children- regardless of the fact that the kids wanted to live with their father. With multiple children, a man can expect to pay $3k/month in child support and alimony. Prenuptial agreements are not iron clad and are thrown out by the judge often. I won't run on here, but there are absolutely disadvantages to being a man seeking a divorce. I suspect I have a difference of opinion here because I am a but older and have actually seen plenty of my male friends and coworkers go through this.
@froggywithaheart you dont know what a no fault state is, no fault states dont take in account extramarital affairs. But i think its also fair to mwntion mentionmention
@@katc2040 in my country, we've something called divorce by mutual consent, basically the couple's saying we wanna part ways for xyz reasons, could be as simple as lack of love to cheating. it's more civil and quick, usually u get it in 6 months, quicker if the court thinks fit. when I hear no fault divorce, that's how my brain translates it. so, i *think* I'm aware adultery could be a factor in no fault...my ques was, why choose this "more" civil ground when you can do all the blame game, since that could affect the alimony and maintenance in ur favour. bc if you're being civil with ur partner, court's gonna interpret the law in the literal sense....that's in women's favour. proving her guilty can give the court a means/ reason to re-evaluate the provisions. so basically i was just asking, if the men wanted to get rid of their cheating wives asap or is there any other reason?
I would LOVE to see a financial audit of the whole Brooklyn 99 team, but especially with Jake! I think it would be particularly interesting, considering the huge character growth throughout the show, especially with Jake and Amy. Also related to Brooklyn 99, I would love to see a commentary style video on Amy's approach to the Marie Kondo method in S6, E7. Again, I think it would be really cool because her views and opinions change so much throughout the episode. Although since this storyline only takes place over one episode, I totally understand if it doesn't warrent making a dedicated video. Either way, if you covered anything Brooklyn 99 related, my little sister and I would be over the moon! Thank you so much for contributing meaningful content to the platform. Love you and your videos so much. ❤
Interesting analysis! You should do Bruce Wayne or Tony Stark, but basically use the vid as an exposé on the (frightening) reality of billionaire power. Rather than focus on what tech or luxury items are *on screen* in the Batman movies, maybe focus on what *isn't* on screen. For example, you could give real-world examples of billionaire industrial or political influence. "Here are some stats on industry / issue X before and after Y billionaire decided to get involved". Or focus on a few billionaire supply chains (the superyacht and shadow-yacht industry comes to mind). Thesis basically boils down to "imagine how much of a difference Bruce Wayne could've made if he'd used [real-world billionaire apparati covered in the video] to fight crime, instead of his fists". That sort of thing. Basically you reel in viewers expecting you to cover Batman tech, and instead you shellshock them with a basic understanding of how much power and influence billionaires wield in our society (and how much of a positive difference they could make, if they focused any amount of effort on the betterment of their fellow man).
I recently was in a car accident, no one was hurt but the car was considered totaled due to where the damage was and the fact that all the air bags deployed. Me and my partner saw it as a blessing we are now free from our $600 monthly payment and $120 insurance.
During her season of unemployment, Monica actually addresses that she's been putting money away into savings for years to her father, but that she's now drained it all. She pushed to the last possible moment which I believe was pretty part into the season, so you hit the nail on the head there. Edit: Well technically, she doesn't tell her dad she drained it. She's embarrassed to do so.
This might be more of how the show portrayed working in academia than your audit but there is a lot more to consider. It's never said if Ross had his grad school funded or if he had to pay for it. If he had to pay for it, he likely has loans. Having gone to school in the late 80s/early 90s granted that would be a lot less debt than today, but still. Even if he had a graduate assistantship or something of the like, he probably wouldn't have much if anything in savings towards the beginning of the show because those salaries barely (if even) cover living expenses. All those years in grad school meant no retirement savings either. You also forgot he did not get that professor job until later in the show and you cannot use a blanket average for a professor salary because it varies greatly by department and school. I don't remember if we know what school he worked for? But he was probably making a lot less than 70k as a paleontology professor in the 90s. One does not just become a tenured professor either. He would have been "tenure-track" and once he received tenure he'd get a decent pay raise. But he's always hanging out with his friends instead of doing research so no way he would ever actually do enough to get tenure (probably the most annoying thing about the show to me is how Ross just gets a professorship like that). For at least the first few seasons Ross works in a museum. Museums do not pay well. They are normally if not always non-profit institutions reliant on grants and loans. I don't remember how many seasons he had that job but that should also be factored in. Not sure where you got the information on benefits being good for academic jobs? That again would vary greatly between schools so it cannot just be assumed.
Do Brooklyn 99! There's even an episode where they actually talk about money because Jake never paid his bills and Gina saved enough to buy Jake's condo
I really like that you've started this angle in videos! I may have commented this on your SATC vid, but it'd be fun to do David from Schitt's Creek (or the whole family, actually)
Monica is way low. You must’ve missed the episode where she got fired from her job and had to admit that she wasn’t saving 10% of her paycheck as Ross and Monica’s parents had told them. She is also a giver. She loves to give gifts, even if they’re just baked goods, but baked goods for the whole building? Plus, those ingredients add up. Finally, Chandler had plenty of extra money saved up, but she used it for the wedding. Don’t forget her OCD and the cost of all those cleaning supplies. She washed a whole street of cars once. I think the difficulty Chandler Monica were talking about when he quit, his job was not wanting to break into their savings. They were saving up for potential adoption or IVF. I think it is Chandler savings that kept them afloat. They were able to purchase that house in the suburbs at the end of the show.
i recently got into watching your videos and i have to say, not only is your information so good, but your editing is amazing! kudos on all the effort you put into your content!
Please do Gilmore Girls next. Those people spent money Omds. I want everyone from Kirk, to Mrs Kim, to Sookie, to the Gilmores. I feel like everyone but Luke, low-key had a spending habit😭
I think Ross or Chandler are much better off than Monica. When she lost her job, it was revealed that she had zero savings and Ross had to lend her money. She wanted to spend Chandler’s large savings on their wedding, which he had been saving for a home. Luckily she “agreed” to have a small wedding in the end. And don’t forget the $650 boots that she couldn’t wear because they hurt her feet.
I dont agree with monica assessment. When she lost her job her dad told her she had to put a % of her salary in her savings and she never did.. she was out of money where she had to borrow from ross . And then at the end when they were getting married she had no money to pay for the wedding so she didnt learn anything and still had no money
It’s strange that you would pick Monica for number 1. Anyone who has seen the show has seen her be very irresponsible with money. What comes to mind is her guilting Chandler into spending his life savings on a $100,000 wedding. He wanted to use his savings more practically but gave in to Monica’s desire to have the “perfect” wedding. She also played the stock market based on what letters she liked best in one episode, losing quite a bit. She also was prone to betting money (and losing) on petty things like card games. She also didn’t have any savings when she lost her job, even though her parents encouraged her to have a rainy day fund. She also allowed an identity thief use her credit card to make purchases. So I’m not sure Monica was the most responsible person with money. ETA: Monica does eventually agree to have a smaller wedding and not use up ALL of Chandler’s savings for that purpose.
Uhhhhh Monica clearly didn't save for a rainy day. She had to borrow money from Ross. And she invested in a stock just because it had the same initials as her, and then proceeded to spent all of her money on the stock market in spite of being unemployed. I think money was one area where she wasn't very organized.
Do feel like you get Monica and Chandler wrong. When Monica looses her job she doesn't have savings to fall back on, she tries to ask her parents, but they presume she had savings as they taught her. Chandler on the other hand had a lot of savings- enough for the most expensive wedding Monica wanted. It's a bit surprising that he needed help from Joey, possibly they had already had to use his remaining savings
Part the way through and have to say I disagree about Joey's spending being relatively stable (though you did mention impulsive spending). When he was doing well in Days of Our Lives he blew his money on rent for a fancy apartment and spent on a lot of crazy expensive home décor for it. In later seasons we see him accidentally win a boat in a charity auction and he decides to keep it even though he can't afford it, choosing to make monthly payments towards it etc. We only see him start to do better with money once or twice, such as the clip you showed where he lent money to Chandler and Monica
This !!! She seems nice but I feel when she made this video ir was based on the fact she likes Monica and in reality. Like the show is very clear she borrows money 2 times, invest on impulse and have no emergency fund and ask Ross for money 🙃
@LuuCaicedo completely agree - Monica was not good with money in earlier seasons, and later on we see her want to spend all of Chandler's savings on their wedding and she initially sulks when Chandler refuses. The house they buy in the suburbs also doesn't look like it would have come cheap!
@@TaheerahA yes !!! she saying that Monica has the characteristic of someone that is good with money makes no sense when Monica wanted a huge wedding but had no savings on her own to pay for it and got mad at Chandler for it 🤔
I dont agree w the last 2. Monica should be 2nd, Chandler should be 1st. Chandler saved up so much money, while Monica had nothing. Chandler paid for their wedding by himself & still had money left for a deposit for their house. Monica didn't have great habits when you think about the fact that she used to cook weekly for the 6 of them and most probably if not definitely paid for the groceries by herself each time. Plus she bought useless expensive stuff like those boots she couldn't wear. Chandler once had to borrow money and just because of Monica. So, as a superfan who watched Friends 30+ times, Chandler was number 1 at savings.
Really enjoying this series! Here’s a few ideas for shows! I Love Lucy (they actually give you alot to work with on grocery episodes and when she buys dresses) Gossip Girl The Office (Dwight would be a really cool one to dive into I think!)
When Chandler and Monica needed to borrow money from Joey for rent and other bills, the amount they needed definitely made it seem like their rent was way more than $200.
Definitely disagree with the perception that Monica was good with her money. She spent more than rent on a pair of boots, had no savings before her wedding and wanted chandler to spend all of his savings. There are many points that demonstrate that she was not a good saver consistently throughout the series.
Regarding Chandler's lack of boundaries, you missed when he agreed to pay for Monica's wish of extra expensive wedding when it was discovered that her parents had not saved to pay it themselves, and also the episode of the boots Monica wanted but she couldn't walk on.
Love these videos. I know they take a ton of work. I will say your estimate on what Rachel spent on clothes was GROSSLY inadequate. Definitely well into the 5 figure range after the first few seasons.
One thing I'll say to mitigate Rachel's apparent fashion overspend is that she works in the fashion Industry. So not only will she receive discounts, she probably knows when all the sample sales are happening and where the outlet stores are so she can go along to nab herself some bargains. My friend is a designer and he's often forwarding me emails about sample sales for brands like Reiss and Ted Baker.
@@rix16 that’s very true, but I’m not sure it would cover all that spending. But it would definitely reduce it. Plus, in the early years she was shopping at Bloomingdale’s like it was her job, and she didn’t get a discount there and she was still a waitress.
There’s an episode early in the show where Monica loses her job and when her dad finds out he asks “how much of each check do you put in savings?!” And she quickly replied “30%”
It was proven in that episode that despite having that drilled into her she absolutely did *not* follow that advice, hence having to borrow money from Ross
@@thefinancialfreedomgirlexcept Monica didn’t do that. She didn’t save for a rainy day like she was told to and had to borrow from Ross when she lost her job. She also pushed Chandler into spending almost all of his savings on her extravagant wedding, which might explain why they ran into some financial trouble when he decided to switch careers.
I would love it if you do a video about "decluttering"-videos/trend. :) From the beginning I think it was a term from the minimalist movement - to declutter in the beginning of your journey with the intention to live with less. But it has really spiralled out of control - a lot of people online just "declutter" to be able to buy new stuff and consume more (for example a lot of beauty and fashion influencers). I even see this with people who call themselves "minimalists". They might have fewer things, but declutter none the less - and then they buy new things, or very expensive things, or rarely use an item to the end of it's lifetime. It is like they just have to have something new even if they call themselves minimalists. I think they all send the message to the viewers that "you should consume", but it is hidden behind words like "productivity" and "minimalism".
Please audit Lorelai from the Gilmore Girls, I know her parents helped out quite a bit, but how did she afford all these take aways? This woman did not cook a meal in her whole life! 😅
i remember in season 1 Monica mentioned she got the apartment from her grandma, otherwise she can’t afford it. While in later season when she lost her job and could not pay rent, I was confused.
Guys it’s a FICTIONAL SHOW. Auditing fictional shows makes as much sense as think we will be able to go to Mars in 10 years because you saw that in a movie.
Well, it is apparent that you never watched the series; you couldn't pronounce the names. Monica as number 1 is also a dead give away. There was a complete episode about Monica's absolute ineptness with money -- she saves nothing and has no safety net, she had to borrow from Ross (who saves 10% of his gross income and puts it into savings) who can't because it would screw up his budget so she has to go to her parents. None of the friends invest or save and this is stated several times. For their wedding, Chandler cashed out his entire 401k of $47,000 to pay for all of Monica's over-the-top bridezilla-ness, Monica thought this was expected. The Friends are awful with money, with the exception of Ross (but your point of his divorces and children is on point) and have no responsibility. Ross would be #1 and the other five tied for last.
Monica and Ross's family are supposed to be the same level of wealth as Rachel's, but that was something reconned throughout the series, the early seasons they're just lower high class/upper middle class but as we get to the flashback to their pasts episodes we start seeing their wealth.
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Im surprised you did not mentioned how unreasonable Monica acted when planning her wedding. She wanted to spend all Chandler’s savings🥵
And, he eventually caved; another example of a lack of boundaries on his part.
And the time she got into day trading and picked a share because it was her initial
@@livefreediepretty And the entire episode about Monica NOT having an emergency fund! When we found out Monica broke the porch swing, and not Hurricane Gloria!
@@MsCgagneno, SHE caved and agreed to save the money. She’s realized he was right.
@mastersnet18 he caved and said they could spend the money - but when he started talking about the life he had pictured for them she then realised he was right and ended up backing down in the end. Had he not mentioned those things she would have gone for the expensive wedding instead.
$200 a month for that place is more unbelievable than anything else in the show.
I know people that still pay less than $1k for 2 bedroom apartments because they are rent controlled starting from grandparents
@@samelmudir I am very happy for those who are able to have a rent controlled unit from their grandparents. However I think it’s astonishingly unfair to others. It’s just another way wealth stays in families. The wealth inequality in the US is enormous.
I suppose those were 90s prices
@@elizabethwillis885 "I think it's unfair that not everyone has to struggle with paying rent." weird take but okay. The wealth wouldn't be transferred to someone else if they left their rent controlled apartment, and there's nothing wrong with middle class / upper middle class people keeping wealth in their family.
@@crazymonky24 not a weird take at all. Rent is ridiculously high in NYC. So much so that most people can’t afford a one bedroom apartment. The fact that an apartment the same size and same location could be rented for 3000 a month and another one for 800 is ridiculous. The system is flawed.
Disagreeing with Monica as number one. Chandler and Ross always seemed more financially stable, especially because they both supported her during the show.
For sure! Ross, then Chandler, then Monica
I agree Ross should be on top as I don’t remember him ever struggling financially or borrowing money. Side note him having 4 divorce made me laugh hard because I never really thought about it.
@@isabellearaujo8991chandler supported Joey for years while never struggling and having a huge savings. I think he should be first, then Ross
Don't we also find out that Monica had pretty much no savings after she's first fired from her job?
@@H.P.93 she did have it but she ran through it and had to ask her parents for help after a while
You forgot that monica didnt have substantial money saved for her own wedding....and relied on her parents to finance the bigger part of it....she was so upset when she was told that they spent it on buying the beach house....their wedding relied almost totally on chandler's savings and when she was fired from her job had to borrow money from ross....that somewhat goes against how monica was audited by you....and i think both ross and chandler were the steadiest of the group income wise... i dont think ross was ever unemployed in the series...i am not sure though....Great video as always!!!
My ranking would be at the end of the show:
Chandler
Ross
Rachel
Joey
Monica
Phoebe
And at the beginning:
Chandler
Ross
Monica
Phoebe
Rachel
Joey
Exactly what I was going to comment. Chandler deserves the first spot because not only did he have proven savings that Monica wanted to send on a wedding, but also firm decision making as he was completely against it.
Also helping Joey was a great thing, in todays world we forget that helping friends is important, as they will do the same for us. not only that Chandler did it while have good saving for himself.
Ross got put on sabbatical and then Monica mentioned that he hasn’t been working at the museum for a year so he was definitely not working for a while
@@Lucy-wc5vfyes.... remember Turkey sandwich.....😂.
YOU ATE MY SANDWICH? M...Y......SANDWICH .............????????
He was sent home after that
Ross was unemployed for some weeks I think? That sandwich incident got him fired and that's why he transferred to teaching in univ. But yeah, he's the most financially stable.
monica #1 is crazyy. i know her personality is portrayed as ocd but it doesnt always translate to finances and she was shown not to have good financial habits multiple times
yeah stopped the video cause its inaccurate, she spent all her money on boots she couldnt afford in S7!!
@@summerleiaand then lost them!
@@summerleia and she didn't have an emergency fund when she got fired
It’s not OCD, stop spreading stereotypes
Rachel is absolutely the best saver in the show- she was ready to have a child as a single parent still in the city and really didn't even factor in Ross cause she didn't know if he'd want to be involved. I will say I think outside of subsidizing Joey and Monica's wild spending habits I think Chandler is also really great but he's got some expensive friends.
She had rich parents. Plus she lived and was fed by Monica
Ross had a kid and lived by himself the whole show (besides the small period living with Joey and chandler) Rachel was roommates with everyone throughout the show. And his second apartment was pretty nice. So I think it was more Ross and Chandler because they hardly were struggling financially throughout the 10 seasons. Chandler being financially stable enough to loan money to Joey and Ross giving money to Monica. And even tho Chandler “loaned” thousands of dollars to Joey he still had savings. Which would mean he’s really good at managing his money because Chandler was basically spending money on Joey as you would a kid.
@@RachlraeChandler often paid Joey’s rent - so it’s clear Chandler didn’t need a roommate, he just wanted company which works with his character
@@pluraliatantum3055 She never took her parents help since she ran into the coffee shop in Episode One.
Monica definitely wasn’t smart with her money. when she lost her job in the early seasons she was borrowing money from Ross for her expenses. And then for her wedding they used Chandlers money bc she didn’t have any/enough saved.
The $400 boots came to mind
When I saw that I thought she was seen what Monica shows and not what she was and it was that. She focus on how organized she "look" and not on her behavior, Monica invested based on letters she likes, wanted to spend all savings on her wedding, had unreliable jobs during the first seasons and borrow money on the show.
Agreed! And also when she was trying to make money by doing trading and lost everything!
In her defence tho she thought her parents had saved up for her wedding. They also payed for all of ross‘ weddings so on that one I feel like yes she could’ve saved for it and not use all of chandlers savings but she also thought she could rely on her parents
As for Monica: During the show she invested in stocks but gambled around, became addicted and ultimately lost all her money. And during another time when she was unemployed she went through her emergency fund/savings and wanted to ask her parents for money but when she tried to ask them they said she probably wouldn’t need any because surely she put aside a percentage of her monthly income
Thank you! thought I was going crazy as noone was talking about it
It's good to see pre-nup culture being discussed positively. The best description I've seen for it is "Preparing for the worst when things are at their best".
Its still sad. And awkward to talk about with your partner. There is always doubt of trust when it's mentioned, maybe cause you're preparing for eternity together
I have a prenup, it wasn't awkward for us because we have always had an open and honest relationship with our finances. My husband has worked really hard since he was 19 and I don't think that it's fair that I get half of it because I didn't work for half of it. We have property in both our names and we keep good records of what we spend and what each contributes.
Chandler and Joey were like brothers to each other. I don’t think Chandler had any siblings, and Joey only had sisters. I can see why Chandler would want to help him out.
Confirming that Chander had no siblings.
Yes and they are lived together among with Monica and Rachel they was the closest friends
No offense, but i kinda got feeling you either brushed thru the show or never watched it and found all the info somewhere else. Some events that show how finacially good/bad and stable/unstable are missing. Like Chandler having saving account that had great sum of money on it that was later used as ground payment for the house, or all the times monica was caught not having any savings. Plus, Pheobe never inherited house, she lived in two bedroom apartman with her grandma, she had a roommate Denis, at one point Rachel.
Edit: and the fact you don't know how to pronounce someone of their names.
So true. I have seen this show hundreds of times and there’s a lot more that could have been discussed in more detail.
Exactly I agree, I don’t think she actually watched the show, so why making a video out of it 😅 I don’t get it
@@clarabattaglia4733 me neither, she could have asked someone who had watched the show or simply watch it, she is supposed to be sorta of a research chanel with tips...
I'm not sure Monica has the best financial habits, When she lost her job she had to borrow money from Ross which would indicate that she didn't have enough savings to get her through that tough time. I would say Ross had the best financial situation. He was always employed with good paying jobs, and despite his divorces, he still managed to support himself quite well. And really, I think only the first divorce impacted him financially considering the other two happened so soon after he got married. Just my two cents 🙂
I actually think that Chandler and Ross have the best finances out of the group.
"Financially auditing Doug and Carrie from King of Queens" DEW IT!!
Yeah that'd be interesting. They should've been making $100k by the end of the seri3s but they always had money trouble. Plus they kept doing stuff like casually taking out loans to remodel the house.
@@NJdaniels96 I always found that loan part weird. The house they lived in, today, would still be fairly modestly priced and a UPS driver & paralegal with no kids could definitely afford it. So I never got why they took out two loans just to redo the basement
@@Nohandleentered plus Carrie wanted $4k to renovate and supply her home office for work.
@@Nohandleenteredyes UPS drivers can make a lot these days
lorelei gilmore?
Ooh good one.
YES!!!!
THE GILMORE GIRLS YES YES PLS
Was scrolling through to see if someone else suggested her!
YES!!!!!!
As a person who had worked in the restaurant industry, I have no clue how Monica has time to hang out with friends like she does, and friends who work normal hours
I dont think they are all working the "normal hours" either. There is a scene in one of the episodes where they all say thier bosses hate them and one of the characters (I think joey) mentions that its probably because its 11 am on a thursday and they are all here, hanging out at the coffee shop instead of at work.
I would love to see Michael Scott and also Ron Swanson
ooh both of those would be great!
pretty sure Ron’s top spending habit would be on food only 🤣
Can you audit The Big Bang Theory?
I'm still confused as to how Sheldon and his physicist at Caltech salary needed a roommate to split rent with but struggling actress Penny was able to live alone across the hall.
@@mxmxmxnananaRight? But Penny said "I'm cute I get by" etc and one time she forgot to pay bills and water shut off etc
Yesssssss
@@mxmxmxnananaSheldon did have a drawer full of uncashed checks and Lenard mentioned that he was still paying off student loans.
@@mxmxmxnanana Sheldon once said that he lived on 50% of his salary after taxes, and he spends a lot of money on comic books and eating out, so I believe he prioritizes having a roomate so he can do these other things... as for Penny, she was well financially irresponsible, living paycheck to paycheck, and the rent probably already consumed a large part of the monthly budget
Didn’t Monica ask her parents for money and they asked what happened to her rainy days fund? It sounded like she didn’t have one.
Yeah, during the early seasons that was the case and ultimately she asked Ross and he lent it to her
To be fair I think her spending habits stem from her parents because I remember on the wedding episodes for her and chandler, they did save fund for her but ended up just using it for a new summer villa ( somewhere along those lines)
Ross is the “genius” of the family and ig being married also led him to be more responsible whilst Monica got a good deal for the apartment, lived only for herself throughout Ross’s marriage and probably had enough money from her chef days to not “worry” about savings because she probably had more than enough per month.
To be fair I think her spending habits stem from her parents because I remember on the wedding episodes for her and chandler, they did save fund for her but ended up just using it for a new summer villa ( somewhere along those lines)
Ross is the “genius” of the family and ig being married also led him to be more responsible whilst Monica got a good deal for the apartment, lived only for herself throughout Ross’s marriage and probably had enough money from her chef days to not “worry” about savings because she probably had more than enough per month.
Even in the 90s, $200/month was not believable for rent controlled apartment like that.
Yeah, in sex in the city, Carrie bradshaws apartment in New York City was rent controlled and was still $720 for a one bedroom
Semi fair point. But ultimately you're comparing two different scenarios. I don't think Carrie's rent controlled apartment was passed down to her. Whereas Monica's apartment was under her grandmother's name. If her grandmother has lived there decades before Monica took over, the incremental rent increases would realistically be quite low. Maybe not $200 a month low, but I wouldn't be surprised if it was less than what Carrie paid for her apartment. I know of people who have lived in NYC their entire lives and even today their rent tops out at $1000. So how much a tenant pays would largely depend on when their lease began because the rent increases were so minute. So yes I agree that $200 a month seems unrealistic even for a rent controlled lease that has been active for decades but I wouldn't compare it to Carrie's rent controlled lease because she had lived in NYC for a much shorter time than presumably Monica's grandmother and then Monica after (remember, Monica wasn't legally the lease holder) @@tacobellbeefburrito
Monica definitely didn’t have the best money management since she ran through her savings when she was unemployed and had to borrow money from Ross, didn’t have savings for her own wedding and famously overspent on the boots which she eventually lost. If you watched the whole show you would know that Ross was inspite of the divorces and children was the only character who never had money problems.
Your ranking was pretty accurate, I love how you talk about the fact that circumstances and background matter. I’m so tired of people on RUclips acting like we don’t make it in life because we don’t have the right mindset when others have millionaire parents, connections and jobs handed to them as soon as they feel ready to work. Of course good habits, good money management and a winner mindset help to balance a bad start in life but it’s important to acknowledge that part of success mostly overlooked by wannabe financial gurus
HUGE thing you left out with Pheobe, it was revealed in one of the later seasons that she had "sold out" and took a job as a masseuse in a spa chain. She was likely doing fairly well after that.
Also, Chandler was clearly #1 when he revealed how much he had been saving for their future and Monica wanted to spend ALL of it for the wedding. (she later changed her mind)
I would say 1. Ross ( hardworking and well organized with money , and he has boundaries when it comes to money ).2. Chandler ( even tho he spent a lot on Joey and spent a huge saving to the wedding , in the end they were buying a house) 3. Rachel , she improved a lot during the show , she’s good at her job and got promoted and she was ready to raise a child without any support as she said it’s alright if Ross doesn’t want to be involved) 4. Phoebe , she’s been always working, trying varies ways to make money, and she was lending money to Monica to do business, and she inherited a house and married a rich man. 5. Monica , even tho she has good job, but she’s not good at investing , she invested in stocks and lots money because she was only relying on her instincts, she faced financial issues while she lost her job means she has no savings , she had no money for the wedding , means she’s organized but just not good with finance. 6. Joey , he just spends whatever he makes and doesn’t prepare for the future.
HELLO?! The monkey? The leather pants? I wasn't even thinking about a car!
I think it'd be interesting to see a financial audit of the adults in Full House, though theres kind of a roller coaster there.
What about Monica’s too expensive, uncomfortable boots?
One thing I think is missing from the analysis is when Monica actually did invest in the stock market (including, famously, in the ticker ZXY).
I would love to see a My Name is Earl or Malcom in Middle audit. One with some real people.
Can you do one on the Gilmore girls?
I bet Joey was probably also kindly supporting his agent Estelle giving her a big percentage, given that he and that paper eater were her only clients.
Offense taken, Bluey's dad is clearly our favorite paleontologist!
How about auditing Seinfeld characters? How the hell does Kramer afford NY apartment? Or even Newman?
I knew people on the upper west side I the 1980s in somewhat comparable living situations to the Seinfeld characters. Kramer was obviously ridiculous, but the point of his character is that he somehow always falls bass ackwards into money. He, Newman and Jerry have implicitly been in the same buildong for 10+ years so should benefit from rent control. Jerry is supposed to be not Jerry the hit sitcom star, but stand up comic Jerry, who apparently plays comedy clubs in Dayton with up to 50 people in attendance, but has money to burn on new cars, which is pretty unbelievable. The most implausible character is probably Elaine, who has crappy jobs but somehow affords nice one bedroom apartments.
Remember how Joey bought a house full of expensive stuff when he finally got paid, and then he lost all of it through repossession? That is why he had the ugly dog statue in the apartment because Ross or Chandler (can’t recall) bought it for him.
I know it’s all fun here, but I disagree that Joey was good with money.
Please do Pretty Little Liars next. Always wondered how they could afford to drink coffee at the café all the time and had new outfits every episode 😅
And all the pizza and take-out lol
Idk if this is relevant or not, but as we rewatch the show, husband and I could not stop counting how many groceries they have and almost never use. Specially Joey, who never cooks but has a full pantry. I also love to stop and look through Monica's pantry, full of italian/foreign products (makes sense bc of her job, but also very expensive to have). Plus the fact they are always walking into each other's fridge and taking some fancy water, beer, orange juice and what ever.
Monica didn’t seem to be investing. She ended up playing the stock market at one point when she was unemployed and didn’t seem to understand it at all.
Chandler drained his savings account at one point to buy the entertainment unit and chairs and another time for his and Monica’s wedding. Chances are chandler and Monica started over financially after their wedding when they were older and smarter and wanted to buy a home and have children. I’m assuming they would have gotten advice from Monica’s parents at that point or reached out to an advisor because they made really impulsive financial decisions throughout the show.
please do parks and rec next
I came across your channel when I was about to be sucked into the vortex of makeup and skincare overconsumption. It's like you snapped your fingers in my face, really a wake-up call. Thank you!
Joey also bought a sailboat at a silent auction when he thought they were guessing the price
Omg, I'd forgotten about that!! 😂😂😂
On the divorce thing... who is left financially destitute after a divorce really depends on where you live and how much you make. I have male friends who's wives had full affairs, even bringing the kids around the guy they were cheating with. Because this is a no fault state, her behavior was not apart of divorce proceedings and it was all but guaranteed that the woman got custody of the children- regardless of the fact that the kids wanted to live with their father. With multiple children, a man can expect to pay $3k/month in child support and alimony. Prenuptial agreements are not iron clad and are thrown out by the judge often.
I won't run on here, but there are absolutely disadvantages to being a man seeking a divorce. I suspect I have a difference of opinion here because I am a but older and have actually seen plenty of my male friends and coworkers go through this.
genuine question, why didn't they file divorce on the adultery ground? is it bc that would've taken longer?
@froggywithaheart you dont know what a no fault state is, no fault states dont take in account extramarital affairs. But i think its also fair to mwntion mentionmention
@@katc2040 in my country, we've something called divorce by mutual consent, basically the couple's saying we wanna part ways for xyz reasons, could be as simple as lack of love to cheating. it's more civil and quick, usually u get it in 6 months, quicker if the court thinks fit.
when I hear no fault divorce, that's how my brain translates it. so, i *think* I'm aware adultery could be a factor in no fault...my ques was, why choose this "more" civil ground when you can do all the blame game, since that could affect the alimony and maintenance in ur favour. bc if you're being civil with ur partner, court's gonna interpret the law in the literal sense....that's in women's favour. proving her guilty can give the court a means/ reason to re-evaluate the provisions.
so basically i was just asking, if the men wanted to get rid of their cheating wives asap or is there any other reason?
Have I ever watched Friends? No. Will I watch you roast their financial decisions? Absolutely yes.
I would LOVE to see a financial audit of the whole Brooklyn 99 team, but especially with Jake! I think it would be particularly interesting, considering the huge character growth throughout the show, especially with Jake and Amy. Also related to Brooklyn 99, I would love to see a commentary style video on Amy's approach to the Marie Kondo method in S6, E7. Again, I think it would be really cool because her views and opinions change so much throughout the episode.
Although since this storyline only takes place over one episode, I totally understand if it doesn't warrent making a dedicated video. Either way, if you covered anything Brooklyn 99 related, my little sister and I would be over the moon! Thank you so much for contributing meaningful content to the platform. Love you and your videos so much. ❤
Interesting analysis! You should do Bruce Wayne or Tony Stark, but basically use the vid as an exposé on the (frightening) reality of billionaire power.
Rather than focus on what tech or luxury items are *on screen* in the Batman movies, maybe focus on what *isn't* on screen.
For example, you could give real-world examples of billionaire industrial or political influence. "Here are some stats on industry / issue X before and after Y billionaire decided to get involved". Or focus on a few billionaire supply chains (the superyacht and shadow-yacht industry comes to mind).
Thesis basically boils down to "imagine how much of a difference Bruce Wayne could've made if he'd used [real-world billionaire apparati covered in the video] to fight crime, instead of his fists".
That sort of thing. Basically you reel in viewers expecting you to cover Batman tech, and instead you shellshock them with a basic understanding of how much power and influence billionaires wield in our society (and how much of a positive difference they could make, if they focused any amount of effort on the betterment of their fellow man).
Bruce Wayne uses the mentally ill as free boxing practice scream therapy.
Tony Stark wants to start WW3 so he can sell both sides weapons. He is a villain in ANY other story.
Another video of you, I love them they are always interesting watches, and you have the most soothing voice ever.
What about rachels hair? She has an obviously expensive salon colouring
Loved the video❤
I recently was in a car accident, no one was hurt but the car was considered totaled due to where the damage was and the fact that all the air bags deployed. Me and my partner saw it as a blessing we are now free from our $600 monthly payment and $120 insurance.
During her season of unemployment, Monica actually addresses that she's been putting money away into savings for years to her father, but that she's now drained it all. She pushed to the last possible moment which I believe was pretty part into the season, so you hit the nail on the head there.
Edit: Well technically, she doesn't tell her dad she drained it. She's embarrassed to do so.
This might be more of how the show portrayed working in academia than your audit but there is a lot more to consider.
It's never said if Ross had his grad school funded or if he had to pay for it. If he had to pay for it, he likely has loans. Having gone to school in the late 80s/early 90s granted that would be a lot less debt than today, but still. Even if he had a graduate assistantship or something of the like, he probably wouldn't have much if anything in savings towards the beginning of the show because those salaries barely (if even) cover living expenses. All those years in grad school meant no retirement savings either.
You also forgot he did not get that professor job until later in the show and you cannot use a blanket average for a professor salary because it varies greatly by department and school. I don't remember if we know what school he worked for? But he was probably making a lot less than 70k as a paleontology professor in the 90s. One does not just become a tenured professor either. He would have been "tenure-track" and once he received tenure he'd get a decent pay raise. But he's always hanging out with his friends instead of doing research so no way he would ever actually do enough to get tenure (probably the most annoying thing about the show to me is how Ross just gets a professorship like that).
For at least the first few seasons Ross works in a museum. Museums do not pay well. They are normally if not always non-profit institutions reliant on grants and loans. I don't remember how many seasons he had that job but that should also be factored in.
Not sure where you got the information on benefits being good for academic jobs? That again would vary greatly between schools so it cannot just be assumed.
Do Brooklyn 99! There's even an episode where they actually talk about money because Jake never paid his bills and Gina saved enough to buy Jake's condo
I really like that you've started this angle in videos! I may have commented this on your SATC vid, but it'd be fun to do David from Schitt's Creek (or the whole family, actually)
If friends was set in 2024, joey would definitely have an onlyfans
Monica is way low. You must’ve missed the episode where she got fired from her job and had to admit that she wasn’t saving 10% of her paycheck as Ross and Monica’s parents had told them.
She is also a giver. She loves to give gifts, even if they’re just baked goods, but baked goods for the whole building? Plus, those ingredients add up.
Finally, Chandler had plenty of extra money saved up, but she used it for the wedding.
Don’t forget her OCD and the cost of all those cleaning supplies. She washed a whole street of cars once.
I think the difficulty Chandler Monica were talking about when he quit, his job was not wanting to break into their savings. They were saving up for potential adoption or IVF.
I think it is Chandler savings that kept them afloat. They were able to purchase that house in the suburbs at the end of the show.
i recently got into watching your videos and i have to say, not only is your information so good, but your editing is amazing! kudos on all the effort you put into your content!
Please do Gilmore Girls next. Those people spent money Omds. I want everyone from Kirk, to Mrs Kim, to Sookie, to the Gilmores. I feel like everyone but Luke, low-key had a spending habit😭
I think Ross or Chandler are much better off than Monica. When she lost her job, it was revealed that she had zero savings and Ross had to lend her money. She wanted to spend Chandler’s large savings on their wedding, which he had been saving for a home. Luckily she “agreed” to have a small wedding in the end. And don’t forget the $650 boots that she couldn’t wear because they hurt her feet.
I dont agree with monica assessment. When she lost her job her dad told her she had to put a % of her salary in her savings and she never did.. she was out of money where she had to borrow from ross . And then at the end when they were getting married she had no money to pay for the wedding so she didnt learn anything and still had no money
You should do a financial audit of How I Met Your Mother characters! Specifically, Barney Stinson, I think it would be very interesting and fun!
I would love to see you audit the characters in How I Met Your Mother
Rachel probably already had an amazing wardrobe too
It’s strange that you would pick Monica for number 1. Anyone who has seen the show has seen her be very irresponsible with money. What comes to mind is her guilting Chandler into spending his life savings on a $100,000 wedding. He wanted to use his savings more practically but gave in to Monica’s desire to have the “perfect” wedding. She also played the stock market based on what letters she liked best in one episode, losing quite a bit. She also was prone to betting money (and losing) on petty things like card games. She also didn’t have any savings when she lost her job, even though her parents encouraged her to have a rainy day fund. She also allowed an identity thief use her credit card to make purchases. So I’m not sure Monica was the most responsible person with money. ETA: Monica does eventually agree to have a smaller wedding and not use up ALL of Chandler’s savings for that purpose.
love these videos!! pls could u do the characters from how i met your mother
A financial audit of the Always Sunny characters would be so good! Love the video!
Not me, having never seen a single episode of Friends, watching anyways because I just like how Cara Nicole talks
Uhhhhh Monica clearly didn't save for a rainy day. She had to borrow money from Ross. And she invested in a stock just because it had the same initials as her, and then proceeded to spent all of her money on the stock market in spite of being unemployed. I think money was one area where she wasn't very organized.
Do feel like you get Monica and Chandler wrong. When Monica looses her job she doesn't have savings to fall back on, she tries to ask her parents, but they presume she had savings as they taught her.
Chandler on the other hand had a lot of savings- enough for the most expensive wedding Monica wanted. It's a bit surprising that he needed help from Joey, possibly they had already had to use his remaining savings
Every true FRIENDS fan knows that Chandler was a Transpondster
Please financially audit the New Girl characters!!!
Part the way through and have to say I disagree about Joey's spending being relatively stable (though you did mention impulsive spending). When he was doing well in Days of Our Lives he blew his money on rent for a fancy apartment and spent on a lot of crazy expensive home décor for it. In later seasons we see him accidentally win a boat in a charity auction and he decides to keep it even though he can't afford it, choosing to make monthly payments towards it etc. We only see him start to do better with money once or twice, such as the clip you showed where he lent money to Chandler and Monica
This !!! She seems nice but I feel when she made this video ir was based on the fact she likes Monica and in reality. Like the show is very clear she borrows money 2 times, invest on impulse and have no emergency fund and ask Ross for money 🙃
@LuuCaicedo completely agree - Monica was not good with money in earlier seasons, and later on we see her want to spend all of Chandler's savings on their wedding and she initially sulks when Chandler refuses. The house they buy in the suburbs also doesn't look like it would have come cheap!
@@TaheerahA yes !!! she saying that Monica has the characteristic of someone that is good with money makes no sense when Monica wanted a huge wedding but had no savings on her own to pay for it and got mad at Chandler for it 🤔
I dont agree w the last 2. Monica should be 2nd, Chandler should be 1st. Chandler saved up so much money, while Monica had nothing. Chandler paid for their wedding by himself & still had money left for a deposit for their house. Monica didn't have great habits when you think about the fact that she used to cook weekly for the 6 of them and most probably if not definitely paid for the groceries by herself each time. Plus she bought useless expensive stuff like those boots she couldn't wear. Chandler once had to borrow money and just because of Monica. So, as a superfan who watched Friends 30+ times, Chandler was number 1 at savings.
Really enjoying this series! Here’s a few ideas for shows!
I Love Lucy (they actually give you alot to work with on grocery episodes and when she buys dresses)
Gossip Girl
The Office (Dwight would be a really cool one to dive into I think!)
This is so wildly entertaining!
would love to see HIMYM
You could audit the McCallister family from the first 2 Home Alone movies. Seeing it now, that Dad must have been loaded... Mister Burberry
wait this was such a great video!!! love how you inputted info FOR US how to navigate the issues friends ran into
When Chandler and Monica needed to borrow money from Joey for rent and other bills, the amount they needed definitely made it seem like their rent was way more than $200.
im no longer a student and im excited to work and use your financial advice
Love this series! Do Seinfeld next!!
I’d love to see a video expanding more on our current tipping system!
Definitely disagree with the perception that Monica was good with her money. She spent more than rent on a pair of boots, had no savings before her wedding and wanted chandler to spend all of his savings. There are many points that demonstrate that she was not a good saver consistently throughout the series.
Joey had a spin off series that took place after the events of friends, looked like he was pretty financially comfortable in LA.
Regarding Chandler's lack of boundaries, you missed when he agreed to pay for Monica's wish of extra expensive wedding when it was discovered that her parents had not saved to pay it themselves, and also the episode of the boots Monica wanted but she couldn't walk on.
Love these videos. I know they take a ton of work. I will say your estimate on what Rachel spent on clothes was GROSSLY inadequate. Definitely well into the 5 figure range after the first few seasons.
One thing I'll say to mitigate Rachel's apparent fashion overspend is that she works in the fashion Industry. So not only will she receive discounts, she probably knows when all the sample sales are happening and where the outlet stores are so she can go along to nab herself some bargains. My friend is a designer and he's often forwarding me emails about sample sales for brands like Reiss and Ted Baker.
@@rix16 that’s very true, but I’m not sure it would cover all that spending. But it would definitely reduce it. Plus, in the early years she was shopping at Bloomingdale’s like it was her job, and she didn’t get a discount there and she was still a waitress.
I enjoyed this video and will be subscribing!!! Suggestions for other shows to audit:
Emily in Paris
The office
New girl
Pretty little liars
There’s an episode early in the show where Monica loses her job and when her dad finds out he asks “how much of each check do you put in savings?!” And she quickly replied “30%”
ooh I missed that, more evidence!
@@thefinancialfreedomgirl I believe it’s in one of the first two seasons
It was proven in that episode that despite having that drilled into her she absolutely did *not* follow that advice, hence having to borrow money from Ross
@@TaheerahA yes!!
@@thefinancialfreedomgirlexcept Monica didn’t do that. She didn’t save for a rainy day like she was told to and had to borrow from Ross when she lost her job. She also pushed Chandler into spending almost all of his savings on her extravagant wedding, which might explain why they ran into some financial trouble when he decided to switch careers.
Chandler and Monica's kids are so lucky to have them as parents.
I would love it if you do a video about "decluttering"-videos/trend. :) From the beginning I think it was a term from the minimalist movement - to declutter in the beginning of your journey with the intention to live with less. But it has really spiralled out of control - a lot of people online just "declutter" to be able to buy new stuff and consume more (for example a lot of beauty and fashion influencers). I even see this with people who call themselves "minimalists". They might have fewer things, but declutter none the less - and then they buy new things, or very expensive things, or rarely use an item to the end of it's lifetime. It is like they just have to have something new even if they call themselves minimalists. I think they all send the message to the viewers that "you should consume", but it is hidden behind words like "productivity" and "minimalism".
Please audit Lorelai from the Gilmore Girls, I know her parents helped out quite a bit, but how did she afford all these take aways? This woman did not cook a meal in her whole life! 😅
i remember in season 1 Monica mentioned she got the apartment from her grandma, otherwise she can’t afford it. While in later season when she lost her job and could not pay rent, I was confused.
Hyy Cara....this was an extremely enjoyable video.....please consider making one on " 2 Broke Girls"
I was afraid you'd bash my favorite characters, but I'm glad you didn't go all negative.
Guys it’s a FICTIONAL SHOW. Auditing fictional shows makes as much sense as think we will be able to go to Mars in 10 years because you saw that in a movie.
It would be nice to see an audit of will & grace
Well, it is apparent that you never watched the series; you couldn't pronounce the names. Monica as number 1 is also a dead give away. There was a complete episode about Monica's absolute ineptness with money -- she saves nothing and has no safety net, she had to borrow from Ross (who saves 10% of his gross income and puts it into savings) who can't because it would screw up his budget so she has to go to her parents. None of the friends invest or save and this is stated several times. For their wedding, Chandler cashed out his entire 401k of $47,000 to pay for all of Monica's over-the-top bridezilla-ness, Monica thought this was expected. The Friends are awful with money, with the exception of Ross (but your point of his divorces and children is on point) and have no responsibility. Ross would be #1 and the other five tied for last.
Love these videos so so much - thank you for being you! Next audit idea: Emily in Paris
thank you!! also love that suggestion!
Suddenly I strongly relate to Chandler since I always lend money to my friends even when I doubt I will get money back
Since you’re doing 90s sitcoms, do Frasier Crane from Frasier next please! He has a MASSIVE apartment just for doing a radio show
Love this series, Cara! Happy Saturday :)
thank you and happy Saturday!!
Monica and Ross's family are supposed to be the same level of wealth as Rachel's, but that was something reconned throughout the series, the early seasons they're just lower high class/upper middle class but as we get to the flashback to their pasts episodes we start seeing their wealth.
I watched the whole Carrie Bradshaw video and didn't realize it's auditing and not ADULTing
*me sitting in my 0 sq ft NYC apartment for $2.3K * 👁️ 👄 👁️
I would love to see The Middle!