What was the craziest part of this video 👀 Have you ever had a bad roommate? What would you have done? Also what percent is your phone🔋on? I'm on 61 %😭
Craziest part of this video: people really tryna make it in NYC...bless their hearts🤭 80% cuz it's 11 am🤗❤🥰 Edit: Symone...when you droppin the Cash Money(saving) album😂😂😂😂
It is insanity but I understand her and feel terrible for her. I dealt with something like this, for about a year and a half I had a roomie who never paid rent or cleaned. I cleaned her cat’s litter box, took out all the trash, cleaned the house, and paid all the bills. She did do dishes occasionally, and would make dinners. But our arrangement was supposed to be that she’d pay rent to me. It silently turned into her being my professional chef… I love her as a person and friend so I didn’t know how to have the hard conversation with her. Looking back, it’s hard because I would never do that to someone else. I felt like I was being used because I don’t deal with confrontation well. Since I never said anything she just took advantage of me. We’re still friends and I think part of that’s because I was solely responsible for that home, no one else was legally binded to pay any of the bills. I accepted that responsibility and have been at a place in life where I never want to rely on anyone financially. I didn’t go into debt, but it makes me terrified to trust anyone, especially when friends do this to you. I have been used financially by other people too in the past (this was the only living situation…) you have to be SO careful. Can’t trust anyone.
She's not taking accountability for the part that she played in this situation. She dismissed EVERY.SINGLE. RED flag that was presented to her prior to moving in with that person.
This woman’s stupidity is just as much of a red flag as her no-rent roommate. The guarantor predicted this fiasco based on the background info they obtained, and she chose not to listen. She won’t learn from this because she doesn’t think her poor decision making contributed to this outcome.
I felt bad for her because I had cosigned for a friend who screwed me over...but I realized that if I wanted my credit I would have to pay... But after she renewed in lease with him ... She lost me.... At this point the level of debt is her fault...she let it get that bad.
“I had just quit my job, my friend just started a job, and the other guy has a seemingly sketchy not legit job, so we decided to get this expensive apartment in New York.” Sounds like irresponsible to me
I know having a hard time feeling bad for her because this screamed “bad situation!” From the beginning. She wasn’t watching out for herself enough and was way too trustworthy of a stranger
When i was moving in with my friend, we both needed a guarantor. My dad refused to sign the lease with me until the landlord drafted up an addendum saying that I was specifically responsible for only half the rent in case a situation exactly like this happened. My dad didn't want me or him to be taken to court to pay for someone else's rent. Thankfully my friend is a good person and pays her rent on time so we never had an issue but stuff like this makes me understand why my dad was so adamant that I had it in writing that I was only legally responsible for my portion of the rent
It sounds crazy But I will say that, that ratio isn’t that far off from the recommended math for how much you can afford as rent based off your monthly income. Aka - you should aim for rent that’s about 25% your monthly income. If you calculate out to the whole year, that means you should make about 36x your rent annually. 40x isn’t that far off.
Since they used a guarantor their income is no longer in considered in the app process. it will go off the guarantor which will have to make at least 5-6x the monthly income at about +140,000 a year NUTS Edit: this is based off a 3 times req (my bad) so if its a guarantor they pretty much have to make double of the req
There are scammers everywhere. Every background, every star sign, every socioeconomic class. The guarantor warned her and that should have been enough. Not to mention him paying/not paying rent in small chunks. RENEWing a lease with him? Absolutely not.
As soon as she got that warning any sympathy was gone. A person who can't tell you what they saw went out of their way to tell her that she should not do this and she ignored the warning and kept going. "The Two people responsible for putting me in this situation are getting off scot free" MA' AM YOU PUT YOURSELF IN THIS SITUATION.
Wait...did she say she's not paying her student loans because she's not eating happily. But also decides it's a good idea to move from Charlotte to a notoriously expensive city like NY?? My head...
Eat in this context doesn’t mean to literally eat food. In this context, it means since she’s not financially stable she can’t/won’t put money toward the loan. She still made poor decision’s anyways 🤦🏾♀️
They wouldn’t rent to him, only allow him as an occupant (not legally responsible), and she wonders why they won’t put his name on the renewal? And she’s upset that she’s on the hook for money he didn’t pay when that’s exactly what she signed on the line for by listing him as an occupant and not a lease holder? 🤦🏻♀️
I can tell from the beginning that instead of getting to know this person, she based her decisions on all this woo woo new age stuff and walked blindly into a bad situation.
I'm originally from New York. Several things she's said annoys me. Rent increases are normal everywhere. No matter how many roommates you have, if one doesn't pay, you all owe. How they weren't evicted in 2023 is beyond me. I feel she's leaving out some things. I could be wrong.
@pattyTjr I am still living in nyc and there something she not saying. Like how you don’t check she is dulu seriously. Either she is leaving something out or she is really naive. How you move to another state and not have the savings.
I work in property management. She makes no sense. She's lucky she was offered an type renewal since she never paid rent on time. The old roommate was the smartest one in the bunch. I call BS on some of the things she's saying
He could pay to eat out and party because he wasn’t paying rent 🙄 ! girl as soon as you see he is not paying rent and partying all the time you should of known what was happening and made moves to protect yourself .
With all due respect to her, I'm just mad that she kept throwing race into the mix. I'm a POC & I cannot stand when ppl apply race to damn near everything for emphasis in their stories when that's not what it's about. He was a horrible person and a liar who didn't want to pay rent. Race has nothing to do with that!
Watching this story is like watching a horror movie where you’re screaming at the screen: “no! Don’t go in that room! Noo the dude is IN that room!” as the protagonist walks into a room filled w chainsaws. 😬🤨😂😂
This is absolutely her fault. She needs to grow up and take responsibility for the situation. She ignored all the red flags, and now she wants to act like a victim. I have no sympathy for her. It's unfortunate, but she brought this upon herself.
Ugh! She wants to blame race for not having generational wealth… but she had *allllllll* the red flags she needed to not lose $31,000 and she ignored them! This is not a race issue… it’s a fiscal responsibility issue. Random stranger with a fishy backstory, terrible credit, and we’re going to overlook all of that because he’s a Capricorn with good energy… generational ignorance maybe… but this isn’t a race issue.
Thats not what she said or meant. She was simply saying tht her credit and financial history is terrible - and it stems from college. With that, she understood that alot of decisions she made financially in college - had a direct relation to her not having money, not coming from money, and needing money. This is why she had credit cards and loans etc. she also understands that she did "dumb ish" and couldve mde better decisions, but inherently didnt BECAUSE of generational poverty or the opposite phrase, "not having generational wealth". Thats it. Lets not discredit real things because she's an idiot. She knows she's an idiot & also generationally broke. 2 things can be true
@ no, she specifically said that as a POC, she did not have generational wealth. I’m not arguing that she didn’t have generational wealth, I trust her when she said she didn’t have generational wealth. But she can’t blame letting this scammer take advantage of her on not having generational wealth. By the end she’s justifying loosing $36k as some sort of activism… that’s what is keeping her poor! If she would have paid that money to her student loans instead… she’s be on flat ground but her financial ignorance is keeping her poor. Very few of us have parents who can cover us $36k for making a bad decision in who to trust then not showing up to court. So I would never put myself in that position! Not for charity, not for activism, not because of someone’s birthdate being similar to mine, none of it. As someone who didn’t grow up with generational wealth she *should* appreciate the value of money and her role as a fiduciary agent for her own wealth. Instead she’s blaming the scammer and society while refusing to acknowledge that she let herself get played before she even left the carolinas.
@MotJ949 several things about her story annoyed me -- most people do not have generation wealth (literally, 1%) -- but honestly I wouldn't have known she was black without her mentioning it 5xs!
@@angelacox8322Yeah, I'm WHITE, white and I don't have any kind of generational wealth...AT ALL. People like her are the most annoying and home girl is half white.
Also, I went through something similar and it was also a black man who f*ed us over. But my situation was that the landlord grouped 4 people together on the lease. We did not know each other and were told we were renting a room. Not an entire apartment. 3 of people were NOT NYers. I am. So when the landlord tried to come after the 3 of us for the guys rent, I kicked all the emails and paperwork back to him that the person he rented to was a stranger to me and I am not financially responsible. I also reminded him that forcing individual tenants onto one lease because its illegal to lease to multiple people separately, is ALSO illegal, the landlord backed off and went after the man individually. We did lose our security deposits, but that was getting away easy in my opinion.
Not making up to a million before retirement is unfulfilled retirement.!! I’m 54 and my wife 50 we are both retired with over $27 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle made it possible for us this early, even till now we earn weekly from the investment.
not taking advice from someone who is basing said advice off of information gained thru official avenues is wild. like that is the one type of advice I will always take. that's not even advice at that point, it was a warning. that person basically told her his credit is horrible, but did it in the most legal way possible.
Im sorry, but she is too hung up about race instead of seeing the actual person for what he or she really is. She is also way too hung up about wages and having money. People can be shitty or truly good regardless race or wealth either way
she also said "sorry Harlem is historically black" when it was historically French--Dutch (Haarlem is a place in the Netherlands) and then Irish then Italian and then Black. She's all over the place
I was dyinggg when you said you weren’t co-signing for anybody. From a young person who moved to Orlando for college and stayed up here after, I had my dad guarantee my apartment because I don’t make 2.5 times the rent. BUTTTTTT my dad was not hesitant to do this because he knows I would NOTTT be later and 3 years later I haven’t. It’s definitely a good resource but can be volatile with the wrong people!! Just had to give my perspective, I love your videos :))
Being a grantor for your young child or grandchild just starting out in the world is one thing(especially if you have the funds and you know their character), a stranger or romantic partner is another. My Mom co-signed my first apartment for me, because I didn’t make the income in school, and she would’ve paid my rent anyway. A very different situation.
especially when he has t he same sign, sun sugn, because there are more signs, She wants to believe that sign is so good because it is hers too. That is the positive aspect of that sign.... look up the shadow aspect of a Capricorn and to you can go as far as the shadow sign of a male cap
Her taking zero accountability is wildddddd. Ma’am you’re grown! She said at one point her and the other roommate had to hound him every month to pay his rent but he continued to get by without paying it. Obviously you weren’t doing your part dear. She ignored every sign telling her not to move in with him and why would you want him to move in considering he has a husband?!? And why would you want a renewal with the scammers name on it considering he didn’t pay his rent the first time?! Make it make sense. You can’t hide behind “I’m trying to be a good person”. That’s a poor excuse. You have to have discernment and take accountability for your part. Be kind, not stupid. Also, why do people come to the internet crying about what they’re going through but if it magically works out they come back with an attitude? It’s so nasty. People telling you about yourself because you were making stupid moves doesn’t mean you can come back like “see I told yall” because if it didn’t your next video would be you dry begging for rent money 🙄
Long story short::: she was too obsessed with the clout that comes with saying she lives in New York City and decided to overlook ALL the red flags. Hope it was worth it… smh
Context: The NY rental system is different than other cities. The 40x monthly rent refers to annual income. Guarantors are usually someone's family although there are private companies cropping up that offer the service similar to insurance. Guarantors usually have to make 80x the monthly rent in annual income, which is why its generally only for wealthy people or their children since regular people dont know anyone who makes that much. You also have to factor in predatory brokers who charge up to 15% of annual rent cost in a one time fee (this has been outlawed recently but the law isnt into effect until the spring). This is why its very hard for regular people to get housing here, and why it's necessary to try and work harder on your credit here, because if you have excessive debt or eviction history you will not get rented to, and will need to sublet a place (which they also will check you out too, just the upfront costs may be less). Conversely the eviction process here is slower than other cities.
I came here to answer the guarantor question, but you covered everything.😆 Especially the part about who the guarantor usually is. I can’t imagine doing that for anyone besides a family member, and asking anyone besides family would be *unthinkable.* I looked into moving to NYC in 2021 when rents dropped post pandemic, and did see there were private companies offering to be guarantors as well. That’s nice, but I’m sure there’s costs associated with that as well.
They mean annual income 40x monthly rent. So 3800x40=152000 if you divide by 3, they each need about $51k/year or $4300/month. Which isn’t much in NYC money.
That woman is mixed and my guess is half white, so why is she constantly bringing up race, acting like she isnt half white? And theres a BIG difference between being kind and being a pushover. She allowed that man to take advantage of her and the other roommate.
Before she even got into it all, I could tell her personalities is "Poor me. I'm a victim". Then she proceeds to talk almost an hour about identity politics and how NONE of this is her fault. This should be a lesson that this "woke" mindset is literally naivety and prejudgment based on appearance. I feel bad for her but I hope she's more wise because of this.
Poor lady moved to one of the most expensive cities in the world without (seamingly) having had a lease before. If you're on a lease, you owe the full amount no matter what your roommate does. You've got legal options *against the roommate* for the other half, if you can find them, but so far as the landlord is concerned they'll get the full amount from whoever they can contact most easily.
I don't know how it is in the US, but in the UK, it depends on the contract. With some shared housing situations, everybody has their own separate contract and is liable for their own share and nothing else. With other contracts, it's a joint responsibility and one person defaulting would put the other housemates on the hook.
@@BlackFiresongin NYC having separate contracts per roommate is called Single Room Occupancy, and it's technically illegal. The only legal leases are ones where each roommate signs as responsible for the full cost of the apartment's rent
We are required to make 40 times the rent in a year in order to be able to rent an apartment, this is why most of us in NYC have roommates or live in rented rooms.
This whole issue gave me a massive mind stroke. She is accountable . She is a grown ass woman. How did she not ever think of this. Dang . Just is this how we are now days as a species??? The more it goes on. More it starts sounding like a clout story .
If someone who has experience in a certain field and they literally have nothing to lose tells you not to do something, I would honestly take their advice. This guarantor risked legal action to warn you and you didn’t listen ? Girl ain’t nobody else to blame but yourself 😅
I highly recommend that particularly vulnerable people research as well as use their imagination around the budding conversations on the concept of "COVERT PROFESSIONAL SQUATTERS." I don't yet know anything about this situation, but you would be amazed how far some people will go to convince you that they need your help and create drama in your own home to keep you on the line of assisting vs evicting them. It is dangerous, I am a disabled person who almost lost my life and freedom to people with these types of organized plans of abuse.
Another term for this is "Cuckoo-ing" - it's become a safeguarding issue in the UK and the police get involved. Let's protect our vulnerable folks, people!
I live in Japan and guarantors are a MUST for every citizen living here. Especially foreigners. My credit card company is my guarantor, and they do hold up their end of the bargain when the rent is late. I was unemployed for 4 months and the credit card company paid my rent each month. They also added the rent payments onto the credit card. So if a guarantor is a credit company, they’ll pay it for you should you default, but they’ll still want their money back. However you have more leeway to pay them back.
There is a show on Netflix called Worst Roomate Ever that reminds me of this. Times are hard and people have to have renters and subletters to help with mortage/rent costs. I wld recommend a background check and several references and know your state laws. It's real crazy what people can get away with. In hard times scammers and criminals come out of the woodwork so stay on guard and trust your gut. It's easy to make a rash decision out of desperation but you might pay for it in more ways than one.
What's wild is she keeps saying divine timing, it all aligned and every single situation was a WARNING to NOT proceed. She needs slow down and take inventory of her decision making....
She’s right about the rent. Typically most rental properties in NYC require that your annual salary is at least 40x the monthly rent in order to qualify for the apartment
So I would say that is not that he got comfortable with her. It’s that she did not know this man. She thought just because they hung out a couple times in Charlotte that they knew each other.
Not sure how much sympathy I can have for someone who was so wilfully ignorant toward all the glaring red flags. Also kindness? Yeah I’m not so sure about that.
Her rent went up like everyone else’s in America when it’s time for renewal (yes at a high amount, but you are in NYC) and she blamed it on wanting to get black people out? Some lease agreements have an increase cap, but some don’t. You have to be aware of that when you sign.
I feel like I should preface this with, obviously I feel bad. However, there's a huge difference between helping people and ignoring obvious red flags. If you're old enough to cosign on something, you really need to be informed on what all that entails. She kinda lost me when this person who wasn't paying rent, told her don't worry I'll go to court and take care of it. At that point, the damage had been done, you had seen who this person was, and yet you chose to believe that. I help people all the time, I'm the same way. I'm not saying you should scrutinize everyone, and act like everyone's gonna fuck you over, but you should ALWAYS look at things rationally.
Symone, your facial reaction says it all when she said that “she manifested this apartment”. 😂😂😂😂 This reminds me of the Reesa Teesa story where she ignored the red flags because she thought that she found her “rich guy”. This young woman ignored the red flags because she wanted to live in that luxury apartment in NYC. If the guarantor rejected the application AND was kind enough to WARN this woman when he technically wasn’t supposed to tell her, that tells you right there that the squatter was a scammer. Hopefully she learned a hard lesson from this.
43:23 Symone you pushing your lips together when she said ‘I’m a fat black woman’ 😭😭 As another fat black woman (although less fat now, I’m 178 pounds down 💪🏾) she had me rolling my eyes through the entire video 🤣🤣
The best advice my mother gave me is to never co-sign. I honestly don’t feel bad for her, inaction is an action itself. She chose to stay in that situation even after months of him not paying rent… Solidarity isn’t me spending my hard earned money on your NEEDs because you wish to spend it on your WANTS, unfortunately some people within our community has this issue.
It didn't sound like kindness,it sounded like greed. She chose him based off of his wage.....MaM, he was living a life of luxury b/c he had a rent free place to stay not to mention he is a scammer so I'm sure the scams didn't begin or end with you. Not to mention race,gender,and sexual preference shld have nothing to do with choosing a roommate 🙄
Got a male roommate as a woman. You already lost. Men always slowly push a woman's boundaries. There is no fear of consequences like they'd have with another man that will threaten violence if he doesn't pull his weight.
I agree with Symone. She should have judged the situation based on the guys character. Didn’t matter that they were of the same ethnic background. Bad ppl exist in all backgrounds. Even MLK said ppl should not be judged by the color of their skin but by the content of their character. It saddens me that she kinda ignored the red flags in front of her the entire way through. Even her other roommate was smart enough to not renew the second time. Tough lesson learned hopefully. 🤞
She definitely needs to take accountability. She lives in La-La Land and needs to wake up. If a guarantor hints that they would not recommend living with a person, it likely means that person has a criminal history, a record of evictions, or other issues. She should have done her due diligence and run a background check.
28:55 she just wanted to keep her apartment & keep up a certain image imo. The other roommate was smart enough to dip out. Her and the other roommate should've went ahead and bought him out or told him that he would have to move once the lease is renewed. They are the ones who added him as an occupant, not the landlord or Guarantor company.
Her talking about bro code is cognitive dissonance… He didn’t have money- his rent was used on his luxury lifestyle She needs to drop the intersectionality talk- it’s making her dumb. The fact she can’t see WHY or HOW someone of her same skin color screwed her over is mind blowing. “Don’t mistake my kindness for weakness”
I'm so glad this turned around in the end I can't believe they didn't listen to the guarantor, I'm too suspicious of everything, the second they said not to move in with them I would have canceled the apartment application that second
This made my head hurt, the number of red flags this woman ignored was insane, however she refuses to admit that she has any fault for the mess she is in
I'm sorry.. I don't feel bad for her. She ignored EVER red flag. The other roommate left and she wanted to stay with this mess and do ANOTHER lease?? Come on now.
In NYC you usually have to make 40x the monthly rent on an annual basis to rent an apartment. So if your rent is $2,100/mo then the landlord will be looking for tenants with a gross household income of $84k. If you don’t make that amount, the landlord may require a guarantor to co-sign on the lease, which is someone you know that makes 80x (CRAZY) the yearly rent OR a guarantor company. A guarantor company charges a one-time fee paid that is by the tenant for their services - usually, they can tell you up to how much rent they’ll approve you for. The fee can be very high if you also have bad credit.
No it’s not her fault but it’s ultimately her responsibility and the fact that she can’t accept her part in it, I fear life will cycle her through the same lesson again.
3 adults who do not meet the financial req. for an apartment IS the red flag. You really do not want to get something where the rent is more than 1/3 your income. Let alone getting a rental while not being employed. they are all responsible for these bad decisions. btw: apartments have requirements for all residents over the age of 18 (this can be income, credit, background criteria). If that is not met for all parties involved, the app gets canceled unless they are taken out of the equation. A lot of people do not realize prior to you leaving the apartment, you need to give notice of at least 60 days in advance. If you, a roommate, are leaving early you need to sign an addendum to get your name off the lease and ALL parties, must sign. If you break your lease with improper notice. They can charge you a fee (ex: 2k) AND 2 months of rent AND any damages, legal fees blahblah. Please for anyone reading do not lease with another person you are not familiar with. Be safe. Read your actual contract before signing.
What was the craziest part of this video 👀 Have you ever had a bad roommate? What would you have done? Also what percent is your phone🔋on? I'm on 61 %😭
93%! Can’t wait for more drama about ebt later this year! Keep up the hilarious content sis!
Craziest part of this video: people really tryna make it in NYC...bless their hearts🤭 80% cuz it's 11 am🤗❤🥰 Edit: Symone...when you droppin the Cash Money(saving) album😂😂😂😂
It is insanity but I understand her and feel terrible for her. I dealt with something like this, for about a year and a half I had a roomie who never paid rent or cleaned. I cleaned her cat’s litter box, took out all the trash, cleaned the house, and paid all the bills. She did do dishes occasionally, and would make dinners. But our arrangement was supposed to be that she’d pay rent to me. It silently turned into her being my professional chef… I love her as a person and friend so I didn’t know how to have the hard conversation with her. Looking back, it’s hard because I would never do that to someone else. I felt like I was being used because I don’t deal with confrontation well. Since I never said anything she just took advantage of me. We’re still friends and I think part of that’s because I was solely responsible for that home, no one else was legally binded to pay any of the bills. I accepted that responsibility and have been at a place in life where I never want to rely on anyone financially. I didn’t go into debt, but it makes me terrified to trust anyone, especially when friends do this to you. I have been used financially by other people too in the past (this was the only living situation…) you have to be SO careful. Can’t trust anyone.
Honestly having the situation resolved magically deus ex machina- style, and her saying she shouldn’t move any differently was the craziest part
The fact they never vented this dude once they got the heads up on ole boi is wild. My phone is 34% I usually run it down before charging.
Symone's face whenever a person mentions astrology, signs, or manifesting - cracks me up every single time 😂
😂😂😂 Y'all don’t miss a thing!
This 😂
I was about to comment this same thing.. God looking down making those same faces saying “Child please” 😅
Jesus Is King🙏🏾
Manifesting is really just prayer. They like to act like it’s anything different and it’s not. 😂
She's not taking accountability for the part that she played in this situation. She dismissed EVERY.SINGLE. RED flag that was presented to her prior to moving in with that person.
Ya but she’s not going to blame herself….🤪
💯 the signs was there
This is why I don’t feel sympathy for her. She was TOLD that this guy was a scammer by the guarantor.
This woman’s stupidity is just as much of a red flag as her no-rent roommate. The guarantor predicted this fiasco based on the background info they obtained, and she chose not to listen. She won’t learn from this because she doesn’t think her poor decision making contributed to this outcome.
I felt bad for her because I had cosigned for a friend who screwed me over...but I realized that if I wanted my credit I would have to pay... But after she renewed in lease with him ... She lost me.... At this point the level of debt is her fault...she let it get that bad.
Well yeah she believes in astrology that was obvious with no other context
“I had just quit my job, my friend just started a job, and the other guy has a seemingly sketchy not legit job, so we decided to get this expensive apartment in New York.” Sounds like irresponsible to me
I know having a hard time feeling bad for her because this screamed “bad situation!” From the beginning. She wasn’t watching out for herself enough and was way too trustworthy of a stranger
"I'm not going to blame myself" after she was warned is peak humor. Nah honey blame yourself lol
Because WHAT 😂
sometimes we make bad choices. its okay you'll bounce back
"he was paying in weird increments .. it's hard to tell who owes what."
babes. THATS THE POINT.
😩
When i was moving in with my friend, we both needed a guarantor. My dad refused to sign the lease with me until the landlord drafted up an addendum saying that I was specifically responsible for only half the rent in case a situation exactly like this happened. My dad didn't want me or him to be taken to court to pay for someone else's rent.
Thankfully my friend is a good person and pays her rent on time so we never had an issue but stuff like this makes me understand why my dad was so adamant that I had it in writing that I was only legally responsible for my portion of the rent
That other girl roommate got the hell out of that 😂 so smart
She manifested out of that situation
@@johnrivers3813🤣
@@johnrivers3813 😂 😂 😂
The 40x is referring to your annual salary being at least 40x the monthly rent. So if the monthly rent is $2k, you need to make at least $80k/year.
thats insane
It sounds crazy
But I will say that, that ratio isn’t that far off from the recommended math for how much you can afford as rent based off your monthly income. Aka - you should aim for rent that’s about 25% your monthly income. If you calculate out to the whole year, that means you should make about 36x your rent annually. 40x isn’t that far off.
@@trinitytang3170 yeah it was tricky as a student but once I got a job it was ok
Since they used a guarantor their income is no longer in considered in the app process. it will go off the guarantor which will have to make at least 5-6x the monthly income at about +140,000 a year NUTS Edit: this is based off a 3 times req (my bad) so if its a guarantor they pretty much have to make double of the req
There are scammers everywhere. Every background, every star sign, every socioeconomic class. The guarantor warned her and that should have been enough. Not to mention him paying/not paying rent in small chunks. RENEWing a lease with him? Absolutely not.
We shared a sun sign is a HUGE red flag. You can’t leave yourself wide open
It’s crazy
Maybe it's an untrustworthy sun sign🤭
Advice: Don't expect or wait for things to fall into place. Put them in place yourself and glue it down.
The fact she went and rent with him AGAIN is insane. I was willing to give her some slack but now she choose this.
As soon as she got that warning any sympathy was gone. A person who can't tell you what they saw went out of their way to tell her that she should not do this and she ignored the warning and kept going. "The Two people responsible for putting me in this situation are getting off scot free" MA' AM YOU PUT YOURSELF IN THIS SITUATION.
Wait...did she say she's not paying her student loans because she's not eating happily. But also decides it's a good idea to move from Charlotte to a notoriously expensive city like NY?? My head...
Lol, i said the same thing.
7:16 These people aren’t real 😂
Eat in this context doesn’t mean to literally eat food. In this context, it means since she’s not financially stable she can’t/won’t put money toward the loan. She still made poor decision’s anyways 🤦🏾♀️
Not feeling the vibes of that contract that she sogned
They wouldn’t rent to him, only allow him as an occupant (not legally responsible), and she wonders why they won’t put his name on the renewal? And she’s upset that she’s on the hook for money he didn’t pay when that’s exactly what she signed on the line for by listing him as an occupant and not a lease holder? 🤦🏻♀️
I can tell from the beginning that instead of getting to know this person, she based her decisions on all this woo woo new age stuff and walked blindly into a bad situation.
I'm originally from New York. Several things she's said annoys me. Rent increases are normal everywhere. No matter how many roommates you have, if one doesn't pay, you all owe. How they weren't evicted in 2023 is beyond me. I feel she's leaving out some things. I could be wrong.
I think during covid you couldn't kick people out Iike that. I think there was a freeze.
Also thought “they’re trying to kick us out of Harlem and let other people move in instead” was crazy for someone who is also new to the neighborhood
@pattyTjr I am still living in nyc and there something she not saying. Like how you don’t check she is dulu seriously. Either she is leaving something out or she is really naive. How you move to another state and not have the savings.
I think so too. her numbers weren’t adding up.
I work in property management. She makes no sense. She's lucky she was offered an type renewal since she never paid rent on time. The old roommate was the smartest one in the bunch. I call BS on some of the things she's saying
He could pay to eat out and party because he wasn’t paying rent 🙄 ! girl as soon as you see he is not paying rent and partying all the time you should of known what was happening and made moves to protect yourself .
can’t stop thinking about”when you’re wearing rose coloured glasses the red flags just look like flags” and she still can’t see them 😭
With all due respect to her, I'm just mad that she kept throwing race into the mix. I'm a POC & I cannot stand when ppl apply race to damn near everything for emphasis in their stories when that's not what it's about. He was a horrible person and a liar who didn't want to pay rent. Race has nothing to do with that!
She pmo when she mentioned her weight as if we can't clearly see her 🤦🏾♀I just dont see the relevance.
Victim mentality
Watching this story is like watching a horror movie where you’re screaming at the screen: “no! Don’t go in that room! Noo the dude is IN that room!” as the protagonist walks into a room filled w chainsaws. 😬🤨😂😂
Do you think Henry really had a job? I don't. Also the way she felt entitled to live in Harlem just because she's a person of color is something else.
Same! Every time she brought up the topic of his job, I was like, “What job?”
The fact her hair is the most accurate DW cosplay is killing me 😂
I stg I thought this was like one o those parody skits at first.
😂😂😂
o whats DW cosplay?
Lol her talking abt "Harlem is being gentrified" is crazy cuz SHE'S not even from Harlem so she's also part of the problem 😭
EXACTLY! Everytime they come from other places paying these outrageous rents to corporations, it hurts the neighborhood.
This is absolutely her fault. She needs to grow up and take responsibility for the situation. She ignored all the red flags, and now she wants to act like a victim. I have no sympathy for her. It's unfortunate, but she brought this upon herself.
Technically she is the victim
i think she should keep in mind that being kind and being critical aren’t mutually exclusive (and 42% 🔋)
Ugh! She wants to blame race for not having generational wealth… but she had *allllllll* the red flags she needed to not lose $31,000 and she ignored them! This is not a race issue… it’s a fiscal responsibility issue. Random stranger with a fishy backstory, terrible credit, and we’re going to overlook all of that because he’s a Capricorn with good energy… generational ignorance maybe… but this isn’t a race issue.
generational ignorance 😭😭 youre so right!!!
Thats not what she said or meant. She was simply saying tht her credit and financial history is terrible - and it stems from college. With that, she understood that alot of decisions she made financially in college - had a direct relation to her not having money, not coming from money, and needing money. This is why she had credit cards and loans etc. she also understands that she did "dumb ish" and couldve mde better decisions, but inherently didnt BECAUSE of generational poverty or the opposite phrase, "not having generational wealth".
Thats it. Lets not discredit real things because she's an idiot. She knows she's an idiot & also generationally broke. 2 things can be true
@ no, she specifically said that as a POC, she did not have generational wealth. I’m not arguing that she didn’t have generational wealth, I trust her when she said she didn’t have generational wealth. But she can’t blame letting this scammer take advantage of her on not having generational wealth. By the end she’s justifying loosing $36k as some sort of activism… that’s what is keeping her poor! If she would have paid that money to her student loans instead… she’s be on flat ground but her financial ignorance is keeping her poor. Very few of us have parents who can cover us $36k for making a bad decision in who to trust then not showing up to court. So I would never put myself in that position! Not for charity, not for activism, not because of someone’s birthdate being similar to mine, none of it. As someone who didn’t grow up with generational wealth she *should* appreciate the value of money and her role as a fiduciary agent for her own wealth. Instead she’s blaming the scammer and society while refusing to acknowledge that she let herself get played before she even left the carolinas.
@MotJ949 several things about her story annoyed me -- most people do not have generation wealth (literally, 1%) -- but honestly I wouldn't have known she was black without her mentioning it 5xs!
@@angelacox8322Yeah, I'm WHITE, white and I don't have any kind of generational wealth...AT ALL. People like her are the most annoying and home girl is half white.
Also, I went through something similar and it was also a black man who f*ed us over. But my situation was that the landlord grouped 4 people together on the lease. We did not know each other and were told we were renting a room. Not an entire apartment. 3 of people were NOT NYers. I am. So when the landlord tried to come after the 3 of us for the guys rent, I kicked all the emails and paperwork back to him that the person he rented to was a stranger to me and I am not financially responsible. I also reminded him that forcing individual tenants onto one lease because its illegal to lease to multiple people separately, is ALSO illegal, the landlord backed off and went after the man individually. We did lose our security deposits, but that was getting away easy in my opinion.
I’m surprised her astrology didn’t give her a heads up
😂😂
🤣🤣🤣🤣🤣🤣🤣
This comment took me out 🤣🤣
Not making up to a million before retirement is unfulfilled retirement.!! I’m 54 and my wife 50 we are both retired with over $27 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle made it possible for us this early, even till now we earn weekly from the investment.
I got my first house the year I started investing and today networth is over £2m.
so perfect
congratulations to you and your Family, you've done well.
This is so good, congratulations.
Investment should on every wise individuals bucket list. You will be ecstatic of the decision you made today.
not taking advice from someone who is basing said advice off of information gained thru official avenues is wild. like that is the one type of advice I will always take. that's not even advice at that point, it was a warning. that person basically told her his credit is horrible, but did it in the most legal way possible.
Im sorry, but she is too hung up about race instead of seeing the actual person for what he or she really is.
She is also way too hung up about wages and having money.
People can be shitty or truly good regardless race or wealth either way
she also said "sorry Harlem is historically black" when it was historically French--Dutch (Haarlem is a place in the Netherlands) and then Irish then Italian and then Black. She's all over the place
@@butterbeans182 im Dutch, i know :)
@ how would I have known if you were Dutch? Way to skip over the rest of the comment
@@butterbeans182 wow, talk about being sensitive. I didnt mean anything bad. Take a chillpill.
What in my post couldve possibly been a dig lmao
Tone is hard to take online but I understand how they thought you were being hostile but I can read it as not being hostile.
I was dyinggg when you said you weren’t co-signing for anybody. From a young person who moved to Orlando for college and stayed up here after, I had my dad guarantee my apartment because I don’t make 2.5 times the rent. BUTTTTTT my dad was not hesitant to do this because he knows I would NOTTT be later and 3 years later I haven’t. It’s definitely a good resource but can be volatile with the wrong people!! Just had to give my perspective, I love your videos :))
Being a grantor for your young child or grandchild just starting out in the world is one thing(especially if you have the funds and you know their character), a stranger or romantic partner is another.
My Mom co-signed my first apartment for me, because I didn’t make the income in school, and she would’ve paid my rent anyway. A very different situation.
Yall be sold on these astrological signs like they’re the blueprint for knowing who a person is 😂
especially when he has t he same sign, sun sugn, because there are more signs, She wants to believe that sign is so good because it is hers too. That is the positive aspect of that sign.... look up the shadow aspect of a Capricorn and to you can go as far as the shadow sign of a male cap
Her taking zero accountability is wildddddd. Ma’am you’re grown! She said at one point her and the other roommate had to hound him every month to pay his rent but he continued to get by without paying it. Obviously you weren’t doing your part dear. She ignored every sign telling her not to move in with him and why would you want him to move in considering he has a husband?!? And why would you want a renewal with the scammers name on it considering he didn’t pay his rent the first time?! Make it make sense. You can’t hide behind “I’m trying to be a good person”. That’s a poor excuse. You have to have discernment and take accountability for your part. Be kind, not stupid. Also, why do people come to the internet crying about what they’re going through but if it magically works out they come back with an attitude? It’s so nasty. People telling you about yourself because you were making stupid moves doesn’t mean you can come back like “see I told yall” because if it didn’t your next video would be you dry begging for rent money 🙄
Long story short::: she was too obsessed with the clout that comes with saying she lives in New York City and decided to overlook ALL the red flags. Hope it was worth it… smh
The face Symone made when she said she was a Capricorn ☠️
The fact that she said her birth year horoscope right after her intro should explain the REST of the story.
@ right?! Lmao. Like girl wtf Capricorn ain’t got to do with it
Context: The NY rental system is different than other cities. The 40x monthly rent refers to annual income. Guarantors are usually someone's family although there are private companies cropping up that offer the service similar to insurance. Guarantors usually have to make 80x the monthly rent in annual income, which is why its generally only for wealthy people or their children since regular people dont know anyone who makes that much. You also have to factor in predatory brokers who charge up to 15% of annual rent cost in a one time fee (this has been outlawed recently but the law isnt into effect until the spring). This is why its very hard for regular people to get housing here, and why it's necessary to try and work harder on your credit here, because if you have excessive debt or eviction history you will not get rented to, and will need to sublet a place (which they also will check you out too, just the upfront costs may be less). Conversely the eviction process here is slower than other cities.
I came here to answer the guarantor question, but you covered everything.😆 Especially the part about who the guarantor usually is. I can’t imagine doing that for anyone besides a family member, and asking anyone besides family would be *unthinkable.* I looked into moving to NYC in 2021 when rents dropped post pandemic, and did see there were private companies offering to be guarantors as well. That’s nice, but I’m sure there’s costs associated with that as well.
@@amandamarklandyoga3rd party guarantor companies are definitely for people who have the liquid funds, but not the credit lol
Ohhh, that's much more reasonable.
This is why the only person I trust is myself and when dealing with other people, the only thing that speaks is action. Stay safe out there, friends.
They mean annual income 40x monthly rent. So 3800x40=152000 if you divide by 3, they each need about $51k/year or $4300/month. Which isn’t much in NYC money.
that's a crazy amount 😮😮 I pay $1200 for a two bedroom in AK and didn't have to make fucking 4x my rent amount.... phew
@ NYC money is different…
Yeah, NEVER be a guarantor for someone you can’t trust 100% to be responsible. My dad did this for my cousin years ago and got absolutely screwed
That woman is mixed and my guess is half white, so why is she constantly bringing up race, acting like she isnt half white? And theres a BIG difference between being kind and being a pushover. She allowed that man to take advantage of her and the other roommate.
She has that Amanda Seales complex lol. Mixed light bright, but always trying to prove to be the blackest one in the room.🤦🏽♀️
I even wonder if she fancied him 😂
Before she even got into it all, I could tell her personalities is "Poor me. I'm a victim". Then she proceeds to talk almost an hour about identity politics and how NONE of this is her fault. This should be a lesson that this "woke" mindset is literally naivety and prejudgment based on appearance. I feel bad for her but I hope she's more wise because of this.
Because Henry is black, gay and a Capricorn he can’t possible be a bad person.
Poor lady moved to one of the most expensive cities in the world without (seamingly) having had a lease before. If you're on a lease, you owe the full amount no matter what your roommate does. You've got legal options *against the roommate* for the other half, if you can find them, but so far as the landlord is concerned they'll get the full amount from whoever they can contact most easily.
I don't know how it is in the US, but in the UK, it depends on the contract. With some shared housing situations, everybody has their own separate contract and is liable for their own share and nothing else. With other contracts, it's a joint responsibility and one person defaulting would put the other housemates on the hook.
@@BlackFiresongin NYC having separate contracts per roommate is called Single Room Occupancy, and it's technically illegal. The only legal leases are ones where each roommate signs as responsible for the full cost of the apartment's rent
When is she going to take responsibility for her BAD choices.
We are required to make 40 times the rent in a year in order to be able to rent an apartment, this is why most of us in NYC have roommates or live in rented rooms.
40!!!?????
40x for the annual salary equates to rent not exceeding 30% of your monthly salary. Industry standard is 30-33% of monthly, so it really is not crazy
@@SocialSymone Yes, 40. It's been like that since the 90s, I believe. In fact it used to be higher.
@@SocialSymone Just 40X for the entire year though, not 40X per month. Example, if your rent is 1K/Mo., you need to make 40K/year
Her hair colour is gorgeous!!
“you’ll eat when i can eat, happily” looks like you’ve already been doing that, ma’am…
This whole issue gave me a massive mind stroke. She is accountable . She is a grown ass woman. How did she not ever think of this. Dang . Just is this how we are now days as a species???
The more it goes on. More it starts sounding like a clout story .
If someone who has experience in a certain field and they literally have nothing to lose tells you not to do something, I would honestly take their advice. This guarantor risked legal action to warn you and you didn’t listen ? Girl ain’t nobody else to blame but yourself 😅
I highly recommend that particularly vulnerable people research as well as use their imagination around the budding conversations on the concept of "COVERT PROFESSIONAL SQUATTERS." I don't yet know anything about this situation, but you would be amazed how far some people will go to convince you that they need your help and create drama in your own home to keep you on the line of assisting vs evicting them. It is dangerous, I am a disabled person who almost lost my life and freedom to people with these types of organized plans of abuse.
Another term for this is "Cuckoo-ing" - it's become a safeguarding issue in the UK and the police get involved. Let's protect our vulnerable folks, people!
I live in Japan and guarantors are a MUST for every citizen living here. Especially foreigners. My credit card company is my guarantor, and they do hold up their end of the bargain when the rent is late. I was unemployed for 4 months and the credit card company paid my rent each month. They also added the rent payments onto the credit card. So if a guarantor is a credit company, they’ll pay it for you should you default, but they’ll still want their money back. However you have more leeway to pay them back.
I’m 22 as must say that this lady is too old to have gotten swindled like this. Girl cmon now 😭
There is a show on Netflix called Worst Roomate Ever that reminds me of this. Times are hard and people have to have renters and subletters to help with mortage/rent costs. I wld recommend a background check and several references and know your state laws. It's real crazy what people can get away with. In hard times scammers and criminals come out of the woodwork so stay on guard and trust your gut. It's easy to make a rash decision out of desperation but you might pay for it in more ways than one.
What's wild is she keeps saying divine timing, it all aligned and every single situation was a WARNING to NOT proceed. She needs slow down and take inventory of her decision making....
She’s right about the rent. Typically most rental properties in NYC require that your annual salary is at least 40x the monthly rent in order to qualify for the apartment
So I would say that is not that he got comfortable with her. It’s that she did not know this man. She thought just because they hung out a couple times in Charlotte that they knew each other.
i cant imagine looking for a apartment based off hopes and dreams
Not sure how much sympathy I can have for someone who was so wilfully ignorant toward all the glaring red flags. Also kindness? Yeah I’m not so sure about that.
Her rent went up like everyone else’s in America when it’s time for renewal (yes at a high amount, but you are in NYC) and she blamed it on wanting to get black people out? Some lease agreements have an increase cap, but some don’t. You have to be aware of that when you sign.
she's not telling her own fake story correctly😮
Right!!
Symone not knowing what a guarantor was was so innocent… 😭 I’m jealous
🥹
She forgot that the other side of being a Capricorn is being unemotional and willingness to throw people away 😂😂😂
And DO!😂
@laketac aye same. Capricorn here as well
She’s a professional victim
If she says "where's his husband at" one more time 😂😂
😂😂😂 WE WANT TO KNOW!!!!
I feel like I should preface this with, obviously I feel bad. However, there's a huge difference between helping people and ignoring obvious red flags. If you're old enough to cosign on something, you really need to be informed on what all that entails. She kinda lost me when this person who wasn't paying rent, told her don't worry I'll go to court and take care of it. At that point, the damage had been done, you had seen who this person was, and yet you chose to believe that. I help people all the time, I'm the same way. I'm not saying you should scrutinize everyone, and act like everyone's gonna fuck you over, but you should ALWAYS look at things rationally.
Symone, your facial reaction says it all when she said that “she manifested this apartment”. 😂😂😂😂
This reminds me of the Reesa Teesa story where she ignored the red flags because she thought that she found her “rich guy”. This young woman ignored the red flags because she wanted to live in that luxury apartment in NYC. If the guarantor rejected the application AND was kind enough to WARN this woman when he technically wasn’t supposed to tell her, that tells you right there that the squatter was a scammer. Hopefully she learned a hard lesson from this.
43:23 Symone you pushing your lips together when she said ‘I’m a fat black woman’ 😭😭
As another fat black woman (although less fat now, I’m 178 pounds down 💪🏾) she had me rolling my eyes through the entire video 🤣🤣
Ty for making the comments about discernment. It's so important! 🙌
Not a problem. It really is! 💕
She is so dumb. "It's not my fault" yes, it is.
The best advice my mother gave me is to never co-sign. I honestly don’t feel bad for her, inaction is an action itself. She chose to stay in that situation even after months of him not paying rent… Solidarity isn’t me spending my hard earned money on your NEEDs because you wish to spend it on your WANTS, unfortunately some people within our community has this issue.
It didn't sound like kindness,it sounded like greed. She chose him based off of his wage.....MaM, he was living a life of luxury b/c he had a rent free place to stay not to mention he is a scammer so I'm sure the scams didn't begin or end with you. Not to mention race,gender,and sexual preference shld have nothing to do with choosing a roommate 🙄
race, gender, and sexual orientation are fine for choosing a roommate. people are allowed to discriminate with who they wanna live with 😅
@@aaliyahsmiles7345tf? Who born you devils
Gender should have everything to do with choosing a roomate or are we gonna oretend that men don’t commit the vast majority of sexual crimes?
She barely looks black but keeps on saying she is black. Doesn’t even try to look black. She looks like a blonde white woman.
My money is that she's maybe 25% black.
Yep, exactly. I was surprised to hear about her being black, person of colour, considering that she looks white
Got a male roommate as a woman. You already lost. Men always slowly push a woman's boundaries. There is no fear of consequences like they'd have with another man that will threaten violence if he doesn't pull his weight.
💯💯💯💯💯💯💯💯💯💯
I agree with Symone. She should have judged the situation based on the guys character. Didn’t matter that they were of the same ethnic background. Bad ppl exist in all backgrounds. Even MLK said ppl should not be judged by the color of their skin but by the content of their character. It saddens me that she kinda ignored the red flags in front of her the entire way through. Even her other roommate was smart enough to not renew the second time. Tough lesson learned hopefully. 🤞
She definitely needs to take accountability. She lives in La-La Land and needs to wake up. If a guarantor hints that they would not recommend living with a person, it likely means that person has a criminal history, a record of evictions, or other issues. She should have done her due diligence and run a background check.
28:55 she just wanted to keep her apartment & keep up a certain image imo. The other roommate was smart enough to dip out. Her and the other roommate should've went ahead and bought him out or told him that he would have to move once the lease is renewed. They are the ones who added him as an occupant, not the landlord or Guarantor company.
Her talking about bro code is cognitive dissonance…
He didn’t have money- his rent was used on his luxury lifestyle
She needs to drop the intersectionality talk- it’s making her dumb. The fact she can’t see WHY or HOW someone of her same skin color screwed her over is mind blowing.
“Don’t mistake my kindness for weakness”
I'm so glad this turned around in the end
I can't believe they didn't listen to the guarantor, I'm too suspicious of everything, the second they said not to move in with them I would have canceled the apartment application that second
Lord give me discernment! 😆I’m stealing that one❣️🇦🇺
The nose ring theory don't fail
She is not the brightest bulb in the box now is she? 🤦🏼♀️😂 I just can’t…..
This made my head hurt, the number of red flags this woman ignored was insane, however she refuses to admit that she has any fault for the mess she is in
There's a BIG difference between being kind and being stupid. I'm kind. But I'm not stupid.
His rental report probably showed he was evicted multiple times and that was why he warned her. She was dumb for not listing.
Sun sign? Husband but living with her ? Broadway ?
I'm sorry.. I don't feel bad for her. She ignored EVER red flag. The other roommate left and she wanted to stay with this mess and do ANOTHER lease?? Come on now.
Symone, I love your channel. Never stop! It’s entertaining and educating. The best combo. Thank you girl!!!!!
You’re so kind, thank you so much!!💕
“Who is Henry? Why is he so talented?” 😂😂😂
😂😂😂
Symone face..😂 when she came in with the last update..😂😂😂 like girl why you so happy??!!!
I hate the way she talks about this whole story so much
The lack of accountability is astounding 😂😂😂
In NYC you usually have to make 40x the monthly rent on an annual basis to rent an apartment. So if your rent is $2,100/mo then the landlord will be looking for tenants with a gross household income of $84k. If you don’t make that amount, the landlord may require a guarantor to co-sign on the lease, which is someone you know that makes 80x (CRAZY) the yearly rent OR a guarantor company. A guarantor company charges a one-time fee paid that is by the tenant for their services - usually, they can tell you up to how much rent they’ll approve you for. The fee can be very high if you also have bad credit.
No it’s not her fault but it’s ultimately her responsibility and the fact that she can’t accept her part in it, I fear life will cycle her through the same lesson again.
Me sentiments also, I am wishing her well💕
This woman is missing more than a few screws
3 adults who do not meet the financial req. for an apartment IS the red flag. You really do not want to get something where the rent is more than 1/3 your income. Let alone getting a rental while not being employed. they are all responsible for these bad decisions. btw: apartments have requirements for all residents over the age of 18 (this can be income, credit, background criteria). If that is not met for all parties involved, the app gets canceled unless they are taken out of the equation. A lot of people do not realize prior to you leaving the apartment, you need to give notice of at least 60 days in advance. If you, a roommate, are leaving early you need to sign an addendum to get your name off the lease and ALL parties, must sign. If you break your lease with improper notice. They can charge you a fee (ex: 2k) AND 2 months of rent AND any damages, legal fees blahblah. Please for anyone reading do not lease with another person you are not familiar with. Be safe. Read your actual contract before signing.
You know he is watching her rant and laughing at her.