these rich kids are lying to you
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- Опубликовано: 30 сен 2024
- Man on the street and what I spend in a day videos are very popular on tiktok and often rack up views but also stitches, duets, and shares. So it's not all that surprising that a company might see this as an opportunity to peddle their app. Let's talk about how the Oops! personal finance app might be using "rich kids" to lie to you.
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If the children of tech millionaires/rich new yorkers/tik tok influencers recommended a finance app I would simply not touch it with a ten foot pole.
If any rich person I don't know irl recommends anything, I immediately do the opposite 😂 they maintain their status by keeping the rest of us down, so why would I do anything they say??
@@neverneverland5836 so if a rich person tells you to get a lawyer are you gonna just ignore it ? 💀 they maintain their status by having money, not by giving shitty advice, weirdo.
Yeah giving something access to my bank account and credit cards, not sketchy at all.
Yeahhh ngl, if you’ve never been poor or even working class I don’t really wanna hear advice from you because you’ve never left your bubble.
@@Sonicsis exactly like??? why tf does it need access i can simply enter that shit on my own
if i had a nickel for every time i've seen undisclosed ads on tiktok, i'd literally be able to buy a car
it's an ftc nightmare over there
@@sardafade true!!. I really hate when it comes off as a normal video and then you catch on and realize it’s just an ad and nothing real lol, instantly scroll past.
i would buy a dodge charger!
could buy a mf castle
But would you have a 15k/month allowance?
So I work for a tech billionaire. Let me tell you one thing, his kids are not allowed to post on social media and say where they are. They’d never post about living in NYC. My boss’s daughter once accidentally posted on Instagram while in NYC and forgot to remove the geo tag and it made national headlines. He spends over $15M/yr on security for his 2 kids. Their security team would NEVER let them post TikToks like this. Anytime I see these “rich kid” videos I know they are fake. Real rich kids don’t post like that.
This!
The person actually posting a lot of the vids is the owner of the company lol and her sister
@@mywingsareyours Right. They are adult business owners, not “rich kids”
Exactly. I know politician's kids who aren't allowed to share photos of their trips until they get home. They don't post on IG and have very little followers on their private accounts. When I see these rich girl bosses show off their account balance and their dream home I can't help but roll my eyes.
Its different for each person. Frankly just saying new york or London doesnt even really narrow it down much. We all know in Britain for example which rich russian politicians offspring live here and we give them constant shit but they still dont hide that fact.
As a PhD student who gets like 15K a year of funding after taxes/tuition, I am screaming crying and throwing up at the idea of an undergrad casually having 15K to burn a MONTH. (So I guess the outrage marketing really does work lol)
And even if they did have that money, that's day trading after you save for a bit money. It's so stupid to blow it in the first place even if it is true.
I'm a landlady and ive let my grad school tenants do their damage deposit across multiple months because their stipend is too low.
@@toomanymarys7355 thank you for that. It’s hard out here lol
Yeah that’s like half my annual salary lol. I’m also crying 😢
Oh my god, that stipend is insanely low...
rich kids are *always* lying to you, don’t be fooled
Facts
Am definitely a rich kid, can totally confirm 100%
Look at Elon Musk. He grew up a rich kid and we just found out that he lied about his college education degree.
@@AmethystEyes I’m no Elon lover but the “he lied about his college degree” stuff is pretty BS when you look in to it, like Stanford admissions Dept confirmed they accepted him for a PhD program for a physics track and he has an on-record dual BA in Econ and Physics from ‘97.
@@zandaroos553 "no Elon lover" but u memorized his educational history?🧐
Imagine asking a stranger if you can film their bank account. If it wasn’t staged I’d still think it was a scam.
The surprise on the bystanders face says it all
right? we stole all your information.. oops! 🤷🏽♀️
Their next TikTok: “How I spent 15k in Lawyer fees”
The crazy twist on this one is that they're actually having to spend money
This video is the epitome of the type of digging we are all capable of and have all done before. Scrolling late at night and see something fishy and all of a sudden you're in a whole new world. The way you show the path of your research is so hilariously spot on. I don't even care about these people, literally just watching at this point loving seeing you connect the dots lol
sorryyyyy, but *epitome.
@@dont_harsh_my_mellow thank you! that's what I originally put but then my phone told me to change it? Idk should've used my brain not relied on tech lol I'm gunna fix that now
@@Alicealexandra4 ofc! Sorry, but epitome particularly is what triggers my "grammar n*zi" behavior. 🙊
@@Alicealexandra4 love this reply. Even if the corrector was being rude (which it’s impossible to know with text), you assumed the best.
it’s that midnight “AHA” moment at the end of a deep dive that you don’t have to spend hours on bc Amanda’s already done the work lol
So I’m a student at Columbia and I gotta say i think this is fake. The ones about the university are definitely filmed on the public parts of the campus but none in the private/student only spaces like the libraries or any classrooms/workspaces. There’s a lot of obnoxious rich kids here though so hey who knows lol but there’s always people near campus promoting apps to the students 🤷🏼♀️
I think her account is an "art project". A social experiment. Not real at all.
It’s possible they might know other rich kids who go to Columbia and gain access through them.
like 5-10 years ago some youtubers were in deep shit due to undisclosed ads, i'm still waiting for a proper crackdown on tiktok. because esp beauty tiktokers really need to stop shilling stuff to young audiences that doesn't know it's sponsored 💀
I was reading that there’s also a big issue with TikTokers posting a video of “must-have” gadgets. Then they wait until people ask where they got them and the poster will send a link or tell them that the link is in their bio. But it’s actually an undisclosed affiliate link and they do it that way to try and skirt the laws around disclosing affiliate links. They’re trying to crack down on it, but I guess it’s really difficult because so many people are doing it.
@@kayk480 generally people already expect those must haves to be linked through an affiliate link, and there's a difference between an affiliate link that anyone could get for any product and an advertisement like this. After all an influencer can link any amazon product they actually like and get an affiliate commission, they don't need to promote one in specific.
Even if it's not sponsored, if they're popular influencers, they're likely to get better stuff so the company gets a good name, and it is actually "genuine" on the influencers part, but everyone else who buys it gets the badly, cheaply made ones. I learned about this recently fyi, and while not everyone does it, there have been a few companies who find out who's an influencer and who isn't, so the influencers get the good things regardless
The "are you in the oops office?!" had the same intensity as when you have a breakthrough in Ace Attorney
I could listen to her saying "HOLD IT!!!!" 🤣
OBJECTION!
*Pursuit - Cornered starts playing in the bg*
Hahgahahah
If they're acting this shady, I sure as hell am not trusting my banking information in their app.
Whhaaat, it’s totes safe! I’ll even share my bank info for a tiktok /oby sarcasm plz no one ever do this.
The real purpose of ALL budgeting apps and banking apps is to track your purchases and sell that information to advertisers so you get personalised ads on social media based on where you Actually spend your money
yah even the name is sketchy lol oops you lost all your savings 🤷🏽♀️
@@phoebexxlouise I don't use social media much so I'm good. YT is all I use lmao.
As the CEO of oops, I would like to politely pitch to you one thing that y’all haven’t considered…..
*pulls a gun*
Download. The app. Now.
they're not only selling the app illegally. they KNOW very very young people are watching and they sell the app and this sort of cool, hip, trendy, ostentatious lifestyle. it's never "oh, i'm a broke highschooler/college student just like you!". they're selling an "aesthetic" or a lifestyle to scam ppl that don't know better. this is sick, the best writers in the world couldn't come up with this dystopia
Yeah and I see a class action lawsuit waiting to happen. They are not disclosing ads to children and teens. That’s a major problem. Also I don’t even get what this app is supposed to really accomplish, if they truly want to help young people be better at managing money then do that with educating on budgeting or something within the app. It’s such a cheap way to market but showing off fake opulence and of course they all say “college” because it’s targeting college students or students about to go.
Tik tok acting like coppa won't apply to them haha
When I first read you comment, I thought you said they're not advertising illegally
Ikr
You can’t save $25,000/year if you only make $30,000. Most people don’t make enough money to save much or anything.
The best scammers *Have invented this dystopia tho..
I could listen to you take apart shady people and companies all day
Same. When she stares at the camera and talks directly to them. I love it
She plays no games
In adulthood, struggling to afford being a creative has made me realize how much wealthy kids are gaslighting us. And realizing how wealthy you have to be to be privileged enough to pursue arts full time without fear of not being able to afford rents, heat, utilities, insurance, classes, constant training, etc.
It’s tough and I pray a lot bc so much is not in our favor for industries that are already quite elitist.
Hugs and prayers for you. I know the feeling. I have coworkers who only "work" because their parents make them. They act like everyone can afford delivery lattes and trips to Cabo unless they are on meth or something. Meanwhile, I'm eating buttered toast for supper to afford fountain pen ink.
The arts are pretty inaccessible sadly. I would love to do so much and take a ton of classes and really dive in, but I just can't due to monetary issues. I'm definitely not underprivileged, but the arts (or musical theatre in my case) are just so hard to pursue without a ton of money. There is a lovely community theatre I've done stuff with that is working hard to make the arts accessible to everyone, and they've truly been incredible. I try to use the small privilege I have to donate monthly to them so that they can keep the arts accessible. Hopefully in the future more people will be able to pursue them, but for now, it's an uphill battle.
Unfortunately it's pretty insanely hurdlisciously hard to make it as an independent artist unless you pair it with being a RUclips or are producing creative work as part of a larger team or effort.
It's definitely possible and has been done but not without either lending your skills and experience as a cog within a larger clockwork for a while or living off of savings for 10-25 years as a "rich kid" yourself.
tiktokers need to start being held accountable for undisclosed sponsorships. It’s so insidious
There’s a thing now with brands obviously stealing random users content and blasting it as marketing
I think it's their own app
@@jeffinjoseph8916 pretty sure it's very illegal to not disclose any connection to a product you are advertising, as it can be considered deceptive marketing. Straight from the FTC on their internet advertising guide: "Connections between an endorser and the company that are unclear or unexpected to a customer also must be disclosed, whether they have to do with a financial arrangement for a favorable endorsement, a position with the company, or stock ownership."
I genuinely don't understand what kind of audience watches people brag about how much money they spend as entertainment.
It’s meant to get people mad so they’ll comment
Other gullible rich kids, brand deals and/or crypto-bros who think they can cash in on them to promote their coin as a a partnership
i feel like it’s wish fulfillment
it's not my bag, but clearly enough people do like that kind of thing for entertainment, that the Kardashians have made their lives out of it. It's a bit like "I wonder how the other half live" kind of thing
This isn’t even true. At least, it’s only done in public for the cameras. As someone who was fortunate enough to have millionaire parents, being rich isn’t just how much money you have. It’s how much you spend. True wealth is earned by spending less than what you earn and saving. As described in “The millionaire next door” rich people actually live a minimal lifestyle and don’t blow cash on stupid purchases. No salary can sustain someone who constantly overspends. I live on my own, without an allowance, and skills like cooking at home instead of eating out are huge money savers.
The ads on tik tok are out of control and worse is the app is all used be children and teenagers. This is a class action lawsuit waiting to happen. This is another COPPA or something, like a hawk waiting in the background.
Yikes. I'm here for it, if it happens to them 😂
mobile advertising in general is cringe
I would like to think this is the whole company, purely because if your company has a six person marketing team and not one person working as any kind of legal advisor or anything, then it's not just your app that's badly done, it's the whole dang company!
I like your pfp, and i think you’re right
There's another comment by user Tcbca that claims they worked worked legal marketing with them but they voided the contract in the end bc they couldn't figure it out with the founder..... So I guess they tried but decided it was okay to just give up that part lol
Could also try reporting to the Attorney General office. They do a lot of consumer protection investigations and since they're a gov agency they'll work in tandem with the FTC on complaints like this but they're smaller and more local so sometimes easier to talk to.
I agree on reporting to the Attorney General office. My mom worked as a paralegal for the attorney general and she even got them to look into this one has station all the locals knew were price gouging, especially when any winter storms hit.
I almost feel like these rich kids are actually just broke college kids acting rich. bc I can’t imagine why someone would risk their reputation for money or brand deals unless you actually needed the money. or maybe these trust fund babies just got their allowance cut down from 3,000 to 2,000 and now can’t afford their $1,000 shopping sprees 🤷♂️
I thought that was exactly the point. It’s an ad. There’s a script. They all say the same things and reuse the same wording and sometimes even the same footage. They didn’t actually all just buy a new lap top, rent the same apartment, spend a crazy amount on groceries or taxis or whatever. That’s the script, intended to provoke negative interactions to make the video go viral…
Yea, it seems like maybe one of them is actually rich, and the others are kind of riding their coattails, using their footage and purchase history to make it look like they are all trust fund babies
agreed, as someone who actually hangs around and went to school with kids who had mad bread they don’t behave like this AT ALL
It’s a small start up. These are not college kids, these are workers who likely just out of college (or an intern) and wear many hats: marketing, development, etc. If you ever worked at a start up, it’s pretty evident - you have to do everything yourself to get a modicum of return.
And based on the fact their “Oops” footage is basically all the same, they probably connected it to the business’ bank account… so it’s not their personal purchases.
Any speculation on their personal finances or “trust fund baby” status is moot.
All of these are filmed at my university, i see them film sometimes on campus and she's in buildings where you need a university ID, so maybe she's a student, prof, or worker idk
FTC should just have interns that sit and watch social media to get these people.
No, they should pay people to do it. There’s also an article about the people in Colombia hired for $2 US per hour to watch abuse videos and be the human moderation aspect of tiktok.
..you know you can pay interns right? And I am pretty sure Federal interns are paid.
Intern refers to a specific labor category. You know because it is a different work expectation than a regular employee.
@@k80_ having interns do something doesn't mean you don't pay them. No one should do work without paying (I know it's sometimes not how it is in some industries but that's how it should be. Also federal or state or country office interns are probably paid though? )
I volunteer
@@k80_ interns can get paid... any reputable big enough company will pay their interns, it's mainly start ups that don't.
They can't even afford wigs to pretend they're different strangers when stopped on the street 💀
i don't have tiktok so thank you professor amanda for educating me on things i have never heard of ❤
Same
I don't have it either and life is so much better without it 😌
@@yennefer440 fr i used tiktok like months ago and gosh people are so insane there, it's in the same level of twitter as insanity
i wonder if the people commenting 'what is this app' first are also marketing people
Probably. They comment with a dummy account they pin the comment so it looks like multiple people were asking.
@@biazacha yea like those bot threads about investing you see in random comment sections here.
That was my first thought and it's likely most (although not necessarily all) of them are.
Oh that was my immediate assumption, that way they get to say the name without looking like they're advertising it on purpose, even though they are.
If you every end up doing PI work, you should call yourself swell investigations.
Edit: or maybe sleuth entertainment
Sunglasses are the logo
new series name idea
What I've just realized is that there is a possibility these guys are not being paid by the company, and that's if they are the founders. Tbh it does sound like an app that first and second year econ majors in NYC would try to build. But I think they would still have to disclose that relationship.
Imagine spending $2200 on clothes in a week for a normal person. It's ridiculous that's more than my rent.
I've done that...... once..... for my wedding. Which included paying for everyone on my side of the wedding party lol.
it’s a lie. they’re lying about how much they spend to get comments like this one! question everything when it comes to people flexing on social media lol
Did you even watch the video?
It's possible if it's luxury brands, so in reality it's not a bunch of clothes, could be just a T-shirt lol
@@ellelee8760 That’s what I’m saying. They’re lying to purposefully get people riled up. Someone that’s actually rich who spends that kind of money is poor in reality.
OH MY GOD I FEEL SO SEEN! I THOUGHT I WAS GOING CRAZY SEEING THESE GIRLS' VIDS and like knowing something was up but diddnt care enough to look into
just listening to that tiktok pissed me off and that in itself pisses me off because I KNOW THAT'S THE POINT, the point is to drum up engagement and negative or confused reactions and man ... I just really hate this way of marketing stuff that's so prevalent on tiktok. anyways thank you for as always for your videos and exposing this stuff!!
not really the point but if she rents Teslas, wouldn't it be easier and cheaper to just buy herself a Tesla? Or ask her clearly loaded parents to buy her one.
If it's NYC she might just not have a parking space for her car. or you know, just likes being wasteful
@@calvinng111 She seems like the type to have her own parking spot in a parking garage
That's a poor person mindset
@@calvinng111 surely when you rent one you'd have to park it though? Unless she does her drive and then takes it back and just gets another one the next day.
Apparently rich NYC people rent a car anytime they want to go anywhere for the weekend and assume everyone does this because why would you put the wear and tear on your own car… this is a conversation I’ve had before. 😏
Amanda is like if Columbo was really interested in TikTok.
Just one more thing...
Lets get Gianni Matragrano to do a Columbo voice over of this video 😂
I’m sorry, Columbo?
You know what this whole thing feels like, it's just a massive uni assignment and not meant to be a proper ad 😂
Is it just me or did nobody else see that she spent 16.4k on a 15k allowance. Even breaking it down. She's still over 400 on the 15k not including the 1k from the app. And none of that went to school expenses.
Weird from a budgeting app to get the numbers wrong. Maybe its part of the "engagement bait"
It’s obvious that her spending isn’t real, it doesn’t even add up, she spent over 1k in groceries which is insane when she also eats out every day
If tech billionaires kids posted what “finance” app they use, it’s called Contacts, then they tap on “NAME” to call the person at their family office. No billionaire would be using the “INSERT BANK’S NAME HERE” 1-800 #. LOL. This episode was hilarious! Thanks for posting it! 😂 Rage clicking to the max.
This is true.
lol agree
Yep. I'm just a multimillionaire on my own merit, and I could never even imagine using an app in lieu of my financial advisor.
That's how idiots and their money are quickly parted.
I'm gonna take a wild guess that there's something dangerous about the app - maybe collecting e-mail/password combos (a lot of people use the same password for multiple things, and if you can get into an e-mail account you might be able to get info for and hijack other things like bank accounts), maybe straight up asking for credit card details, maybe just grabbing data about where people are, what they're talking about, or to help spread misinformation...
The ads are already super shady and clearly trying to make people want to be in on the 'secret'. There's a saying - "if you're not paying for the product, YOU are the product'. What are the people making this app getting out of people using it? If we don't know how it benefits them, that's a huge problem.
The Apple store says the app may collect financial info, identifying info, contact info, and diagnostics - all linked to you. If there weren't alarm bells ringing before, there should be now.
Beautiful breakdown, Amanda. More please! Shady companies need to be called out so potential victims have a bit more of a chance to escape.
The most improbable part of this is pretend random person actually speaking about how much money they spend. If someone said pull up your bank account and show me how much you spend my immediate response would be yeah no I’m not pulling up my bank details for you in any capacity.
i don't have tiktok so i usually only see the "how i spend 15k in college" screenshots and zero mentions of the app, so i had no idea they were an ad, figured it was just annoying rich people lol it's so so interesting how these apps promote themselves because i usually have zero desire to try them, they always seem shady and barely functional
anyway if you want to track your expenses, you don't even need an app (i get the convinience but i already hate how much info apps have about me lol). i just write everything down/keep my reciepts and with a bit of googling you can build an exel sheet to register your expenses 🤷♀ my expenses also tend to be pretty consistent every month, so it's pretty easy for me to keep track
Do y'all not have actual bank apps in the US? Like apps made by the bank that you use.
every single american bank app has budgeting features, so this app is totally redundant
it’s crazy how they thought they would just get away with something so illegal 💀💀💀
Does the app show money spent on FTC fines?
Maybe that's the "oops" part
This is such a good joke omg 😂
‘I’m Charlie day with the strings on the wall!’ 😂🎉 I’m here for the content, but I stay for the comedy 🥰🙌🏻🤣
i think oops founder shot herself in the foot by calling the app 'the snapchat of personal finance' 😭
Amanda I would love to hear your take on the Taylor Swift Eras Tour disaster that happened on TicketMaster
As someone who is only able to work part time on minimum wage and was on wellfare only a year ago, this feels obscene.
This is definitely a group of rich college students who created this app. I live in NYC, if you need someone to check out leads lol
If the girls aren't from the US, they could have different birth names that they use with close friends and family and then adopted Americanised names that they use more publicly. Could be why you're finding so many different names.
Only halfway through the video but this is my constant thought:
Where's Gossip Girl when you need her
Xoops xoops, gossip girl
I absolutely love how persistent you are for facts. Its so rare in todays society. Most people want to live in the clouds. Love your content.
Uber Rich kids in fancy schools is a norm for NYC. Advertising it is not. There's always a kidnapping risk. That kind of rich people come to NYC for the anonymity.
To me these are likely actor/model hires that come to a WeWork to drop off/make content to share online for a business. WeWorks are not that cheap in NYC.
Not like that though. I went to NYU with legit celebrities and ppl weren't dropping THAT kind of money and talking abt it.
I know I say this a lot but... let's take them down Swells!
Amanda slowly morphing into Nancy Drew
Intoxicated Lifetime Movie Theory: All of the “character” app accounts are a single account. The account is linked to the app’s company card. The charges shown on screen are funded by the company’s “budget” and are written-off as business expenses. All of the footage was filmed in a week that was spent buying Ubers, meeting at we work, finding/purchasing clothes and locations for video variations, lunches, snacks, and getting a MacBook for the office. The company put a few thousand into creating an illegal marketing campaign that they hired “influencers” for. Or maybe some are interns given an assignment. They all received the experience and food/clothes as private gifts instead of traceable monetary compensation for being participants. And then internet sleuths exposed it all. Just a scam plot I’d come up with given the task.
This, but the company is Russian Intelligence
for one, thank you for saying you use credit cards as debit cards and pay it off every month. We do that too and people think we're nuts, but it's why our credit score is so high (2- points below cap) because it's constantly in use and getting paid. Friends think we're nuts, especially younger friends who are afraid of credit cards. They don't want to get into debt, which is good, but they also have 0 credit and can't apply for anything because they have either no, or a very low, credit score. Also, this makes me feel old for just using an Excel spreadsheet for keeping track of this stuff. To be fair, I hate cell phones. Like, literally hate them. I only use mine for taking photos and use my desktop for everything.
Excel on mobile is what nightmares are made of but this is a good approach if you can swing it. I will always recommend people evaluate their impulsively before going for this approach. Personally I used my credit card for gas and only gas so it was pretty consistent while building my credit.
Ok this is a good move but I just hate the necesito for credit 😅
@@meghansullivan6812 valid critique.
@@meghansullivan6812 Agreed they suck. But they are a good way to show you can responsibly handle money.
This! Nothing wrong with a CC, the problem is when you can't pay it all off and then end up in a debt spiral. When you hand over $20 at the register it feels different than pulling out $20 from your wallet and going "oh, I am getting low!"
Anytime the wealthy and well to do try to interact with us “poors“ I immediately know that they’re up to no good.
Also like anytime someone claims to make a lot of money and they'll show you how for a small fee of $10,000. That's actually how they're making money not whatever bullshit they're peddling.
I can see the potential appeal of the "oops" feature, particularly for those who often do spend when they didn't plan to/mean to which is really common among people with mental health issues or ADHD. They call it the ADHD tax for a reason. That said, there are SO MANY better apps! There are apps specifically designed for overspenders/impulsive spenders that when you categorize something as an unintended purchase, it'll prompt questions about the purchase that have you reflect on why the purchase was made without vilifying it because that's the last thing someone who is a compulsive/impulsive/oops spender needs. It's far better that an app ask if it was an emotional purchase and guides you through potential reasons for that and how to handle it better next time or if it was an unintended need purchase like... you forgetting your charging cable at the library... again or an overdraft fee because you forgot to check your bank balance... again or a late fee because you misplaced that statement... again. And apps specifically designed for this help you then think about ways to prevent such things again... like paying that bill as soon as it comes in because if you don't you set it down or getting in the habit of not making online purchases as soon as you fill the cart and instead stepping away or opting for a really brightly colored charging cable so its more likely to enter your field of notice and less likely to be forgotten... the list goes on. The apps I'm thinking of don't give specific answers but are wonderfully worded to help guide you to a solution that might work for you.
Mint is great... if you remember to use it... and don't have an issue with spending.
It’s like a fucking economic ARG💀💀
I'm glad that you're bringing this topic up. I have learned in the last 2 months that not only websites but even phone numbers are calling people on automated systems they let it ring once they know you'll call back cuz you it's a local number you think it's somebody you know and they get money from you calling them back and all they do is hang up on you it's maddening and I just found out that IP addresses are included in all the emails you send I know I should have known that years ago I didn't and whenever you look at a website or deal with the website with your email that's why you start getting all kinds of third party crap because they have taken your IP address and sold it so they get money for every little transaction whether you look at the whole video or whether you give it a up or a down or comment everything makes them money that's all this is one giant ad the entire RUclips basically maybe even the entire internet.
Yep. It's always been for money. Down with the bosses.
ah the dark web .. love it 🙄😒😮💨
"a lot of buying college stuff, like $2000, like I think more"
who is the ap for? the premises for what they are buying look like what a 5th grader would think money is like. I would assume the demographic would be for people who have a bank account and pays for stuff.
I mean…a lot of financial apps have that problem? I’m so sick of seeing commercials that are like “wow I didn’t know I subscribed to this thing until [insert cool app of the month] told me!!! Like how would I possibly be aware of giving out my payment info voluntarily and then losing money from my bank monthly without this app to tell me??!!?” 🤦🏼♀️
These influencers straight up feel developed in a lab. I cannot stop thinking about the two girls that look completely alike, but they all have the same bland features lmaooooo
Only a few min into the video and i see Amanda all fired up with her notes and being passionate no matter the subject and im like. This is it. Its her. She's my absolute favorite youtuber.
"Okay so we get young people.. to give us all their financial data-! We can give it a fun name! ✨ And we can throw some graphic design in there.. And then.. all the big boy companies will give us _all the money_ for what we gather from the underclass. That way they can more efficiently _harvest from them."_
Excellent. What a f•cking world we live in.
I so appreciate your dedicated sleuthing skills
Thanks for informing us of these shenanigans Swell! 🍿
Amazing username xD
That's insane and they definitely need to be reported
Masha is likely a pet name, not her real name! It's like saying "my love" or "beloved", which is very common for close family relationships abroad :)
Masha is a common nickname for Maria)
she has a russian (maybe another one from the eastern slavic group) accent and Masha is pretty common russian (ukrainian/belarusian) name
Still don't use tik tok or have any money but your content is both interesting and informative Amanda.
Every time a young kid says they're rich I'm always like "you mean your parents are rich"
part of me is also thinking it might be related to a class? im a business major and we do a lot of projects related to this type of thing- it is definitely suspicious though
Even if it’s being done for their degree they HAVE to follow laws and properly source shit. I guess you can report for what’s causing it to fail HOWEVER: you gotta follow the law.
@@Sonicsis oh for sure, im just thinking that’s why the whole thing has weird vibes
Also there are UI design prototyping applications like Figma that can simulate an app operating on your phone, there's a good chance they are using that for their ads.
I love how this video is predominantly unpacking this illegal marketing web of videos and accounts but also just ripping into the app
maybe these kids ain't rich. maybe that is a lie too.
They’re probably taking other people’s videos of fancy cars, apartments, etc. and using them in their footage. And if they’re app creators or whatever, they can just make up however much they spend in the app.
People don’t recognize advertising and consumerist media anymore because we’re so inundated with it. Unfortunately young people are the victims of this.
You're such a smart content creator. I would've never seen these videos for what they are.
This type of media analysis is what separates you from the rest of the population in a manner of speaking.
She did it, she actually found Pepe Sylvia.
Amazing
Reminds me of all those Andrew Tate videos and then he tries to sell you hustler university lmao
Is anyone else UwU for Swell to protect them from financial shenanigans? 🥺
UwU 🤑
Most of us just want to give Swell all our money 🥺💰
Find God
I have no idea what ur talking about n I I’m 95% confused abt everything, the names, etc etc but I’m so invested
Wait, what? I'm a student, working full-time, and am a multimillionaire myself due to having an extremely niche skill, and I just use a genuine financial advisor and spend 2k a month, with 1k going to medical bills (transplant organ recipient; lots of extremely pricey meds to maintain it). My tuition is free due to merit and sports scholarships.
Who can possibly spend that much cash in a *month?* If I didn't own my house outright, even my mortgage would only be about $400 a month, and my utilities and groceries are very affordable, and I split all household expenses with my partner. Due to my profession, I'm also able to maintain four pets and three working dogs for almost nothing.
It's easy to spend 15k a month, you just have to be extremely stupid with money and just spend it on the most useless things you can imagine
This deep dive is giving me life. Incredible work, my lady. These are the deets I crave on any given topic.
I hate the term rich kids. Unless they made the money, their children of rich parents.. they are not rich themselves
Masha might be one of their real names. It’s a Russian diminutive for Maria.
Not the long haired girl being the ceo of the app that’s crazy
If you’re working for a company or you’re the founder, you can just enter fake data in and pretend you spent those amounts. Those people could’ve just not spent anything and they’d still have something to show on their screen. I do it myself to test my code. All that would be left is the content to market it, so here they are making it.
This kinda behavior drives me nuts. Rich assholes that think/know that they’re above the law
Total Charlie day vibes when you whip out the notebook 😂 also appreciate your taking time to review the app, I think I’ll skip that one lol
Out of curiosity, I opened my banking app to see how much I spent last week..
.. I overdrafted buying extra guac at chipotle.
You have by far the easiest to listen to voice of any RUclipsr in this category! Moment your vids pop up I'm on it!
0:33 holy s**t, English is my second language but if someone talks like that in front of me I'll avoid them for the rest of my life, that probably raised my blood pressure, I don't know if it's the accent or the voice that makes me angry.
I totally can see how this app isn’t working- but I also struggle with any financial apps and have only recently been able to record spending much better by using paper and pen. I will say that my paper/pen version has a “necessary vs wanted” section and I do think that is helpful to give me another way to think about where money is going. I think this might be what their thought process was with the “oops” but it just wasn’t executed very well 🙃
Fellow pen and paper user here.
Excel sheets is a very good tool for keeping track of budgeting. It will literally do the math for you if you type it in correctly-- and there are many sources on the internet teaching you how to do that.
Having a physical accounting book is also a valid choice though
children of rich people should have to take personality and empathy tests before they are allowed to be released into wider society
The $15000 "monthly allowance" is what I live on in an entire year on disability. 👀🥴🥺
3:16 "Adderall, coffee subscription, protein powder" 💀💀💀💀💀💀
Thank you for talking about how the app isn't even good!! Somehow, that's the most infuriating part of this to me
Ok but isn‘t it also extremely weird that there are people online who make that type of content? idkk why is it a thing that somebody‘s online and they post about how much money they spend… no matter whether it‘s the truth or a lie. or rich people flaunting their possessions. i just don‘t get it omg
It should be illegal for businesses to pose as influencers and promote their shit without disclosing that it’s an ad. In fact, I thought it already is illegal, or at least against most social media TOS
Damn that's crazy... What next Amanda you gonna tell us that there's not really Single Hot Ladies in my area?
omg is your fave sailor senshi/scout pluto and/or saturn? i love pluto (saw the phone case and had to gush lol)
This degree of sleuthing is unhinged. I am in love with you.
okay but that sailor pluto castefiy case is such a slay!!