How do you handle overwhelming debt?Can sharing your struggles help others?What steps are you taking to overcome financial challenges? Also, what percent is your phone🔋on? I'm on 52%😭
I take a look at what debt I have and come up with a plan to tackle my debt. Yes sharing struggles can help others not fall into the same trap. It is great if you can learn from your mistakes but it is better to learn from other’s mistakes. I can overcome it by looking at finances and cut down on unnecessary spending. I’m currently at 99%.
Keep it to yourself. Be willing to imward focused and understand you are not going to die tomorrow if you occur high debt, your life is not over, its not the end of the world. There is a social stigma and judgement towards debt. There is a sacrifice to be paid if you ever want to push the limits of your capability and to learn life lessons. I rather slowly and digeliently work towards my debt in silence than seek others opinions and have that judgement hang over me. In any case, be willing to work and be frugal with your spending habits. Maintain a great or decent credit score, maintain a good payment history with your cards even if you are in the trenches and use credit limit increases on some cards or secured cards to start from the bottom againsl to rebuild your credit. Save money and even do day trading to help.
💪🏽👩🏽⚕️great response. Keep pushing. I’m a nurse practitioner who is digging herself out of debt. The finish line is abt 3 months away but it’s been a JOURNEY! U got this! Just keep going.
You've got this, love. There are MILLIONAIRES who are in debt. F what people say, live your best life. In the end, you can't take anything with you when you die; money, debt, material things, etc.
Someone in one comment thread down here saying $20k ISNT shocking as a number in terms of debt has me reeling. I am shook I am bamboozled. Edit: okay didn’t think I’d have to qualify this BUT I wasn’t talking about student loans which everyone knows can get very high. We could go around and around in circles all day about ways people get into debt which just is not the point. Because regardless of how or why that’s still $ 20k that is completely gone, it’s not yours anymore and will keep growing through interest. Do you not think $20k is a lot of money generally? If it’s a lot of money to have, why isn’t it a lot of money to lose?
it's a shocking number as a fellow person not in debt, but if you listen to Dave Ramsey shows or Caleb Hammer 20k is a drop in the bucket compared to what some people share.
@@arock1988 that’s a good point -almost like we’re desensitized. And I guess it is easy to deflect like “oh well I’m not doing THAT bad, this person has waaay more debt”. Which is wild because If you asked someone if they could have $20k right now I think most people would consider that to be a lot of money, life changing or at least situation changing. but for some reason when it’s debt it’s not always thought about as life changing in a negative way
@@mckenna_L_ okay, tin foil hat, but I could honestly see major brands and credit card companies funding influencers to make content around how a ton of debt isn’t bad, how consumption for the sake of it is cool, and how you absolutely need to go to X place or buy Y product. People all over are struggling but you’d never know it when you see how much people spent last year
The majority of Americans are in debt and have made these mistakes. You can’t judge others for falling into the consumerism trap. You just have to try to do better and learn from mistakes. It takes a lot of courage to share what she did and be vulnerable.
Agree. It does take courage. And to create social media, there has to be the creation of things to grab our attention, so things are going to be larger than life. If she posts and says she’s $2K in credit card debt, in 2025 Amerìca, nobody’s going to bat an eye at that. But to post a larger problem? That’s going to get some view... Things have to be big to gain movement in this social media world and it’s going to take some courage to put those very big things out there. Agree
I think this is where a lot of us are missing the mark because What we REALLY need to do criticize is the culture that makes consumption seem desirable … the platforms that enable people to go into debt with the tap of a finger… one has to have a ridiculous amount of self control to NOT fall into these consumerist traps. We are all seeking cheap dopamine and the system pulls you into a never ending cycle.
@Melina_Shadow only stupid gullible fools who don't know how to make mature responsible decisions get in these situations. We don't need to feel sorry for fools who make or decisions. In fact we definitely need to call out and criticize this culture. This made terrible choices and she's to take accountability.
But someone pointing it out may make you realize that you are falling into the trap. I don’t hate someone for being in debt but that doesn’t mean I can’t tell them they are making bad financial decisions when they buy another Stanley in whatever today’s must-have color is.
It really doesn’t and most people go into debt bc of medical bills and trying to take of their kids y’all’s reason for going into debt is Starbucks and that is the dumbest selfish thing I’ve ever heard
As a former nurse, nurses need to see this video. The job is stressful and a lot of nurses use their little bit of extra money to cope. I've met so many retirement age nurses who are still working overtime trying to just pay off their home. They have minimal retirement savings if any.
if you dont want people to talk about you … dont air dirty laundry online. being upset people reacted to a video she made trying to go viral. Makes no sense. Oh well! Wish her the best
This is all stupid. 20K of credit card debt is not shocking, it's not something to shame anyone over and it can happen to anyone. Thats the problem with this girl who makes videos about peoples failures. The woman responding to her needs to shut up respectfully if she doesnt want people to comment and Respond with criticism or negativity about her situation she openly sharing, but the main problem here is americans have their heads up their asses thinking severe struggle is a character flaw and someone is a worthless loser for falling on hard times. This black girl probably never came within inches of losing her life, losing her home, losing her job, losing a fanily member, having health issues, having to care for or oversee someone that is not her child, have to struggle with kids or have a serious health issue. All of these factors paired mental health issues can result in racking up 20K of credit card debt. I myself have never collectively ever reached that amount cause I leverage my debts with loans. Loans and some cards all together? Yeah, I have 22-24K debt myself. Not 20k on cards alone so while that is a bit much.. its nothing to shame this woman over. Shame people for credit card debt if they using it irresponsibly for frivolity and not for necessity
Also same people like this youtuber talking shit about people situations they share on tiktok to vent / for awareness, shes probably the same person who end up on those true crime 20/20 abd dateline shows being a victim or dead cause she wasnt willing to take risks and bet on herself to get out of a dangerous situation even if it meant possibly running her credit, savings and all her money at her disposal including credit cards to save her life and escape a killer or abuser. This is an extreme example but think about it. Do you know how many poor women who had a bright future who were good citizens and people are DEAD now cause they didnt think or want to think about charging a trip to that card or using their credit cards to help get out of a bad situation? This has nothing to do with the video but think about it. I dont encourage debt for anyone. I mean common sense but there will come a rare time when you may have no choice to rely on a credit or charge card to save your life in conjuction with your own money and savings. Now, if someone on tiktok said they were 20K in debt on credit cards cause they were dealing an abusive partner who came close to killing them and they were using the card to survive, would we have the same criticism and dsidain? Seriously think about it and dont tell me this is ridiculous or cant happen cause it can. Debt is debt no matter how its occured and I believe everyone needs to keep their business to themselves but also stop speaking on other people situations.
@@60wwedivaNOT shocking?!?! Shame or no shame That IS a shocking number. Sounds like you’re just deflecting because YOU feel ashamed about YOUR debt and feel defensive. No matter how you get there that is a crisis amount of debt.
I applaud her for sharing her journey. It takes courage and being real with urself. Plus like u said there r probably lots of ppl that can relate and that might be motivated to fix their situations as well. I'm currently in the process of paying off my debt. My debt is as a result of helping other ppl, medical bills, personal expenses, emergencies that popped up in 2023-24, etc. I hv faith she, me, and many others will achieve debt free status by the end of 2025.
Trust me. A lot of people are in debt. People hide it because they’re ashamed, and don’t want to be judged. Life happens. I’ve been shocked about the amount of people I’ve met who are in CC Debt.
She may as well be saying "I want lots of attention...but only positive attention" 😂 Honey, the world is full of criticism. Just accept the L and get on with life. Absolutely no hate to this woman though, she hasn't committed a serious crime so doesn't deserve hostility and ire. Hopefully she can figure out a plan to get herself debt free this year, onwards and upwards! All the best to everyone reading too! ❤
As a new single mom and beauty girl who’s been trying to be an influencer since high school. I thank you for these videos. I’m learning how to control my money and it gives me a new perspective as a mother. Thank you ❤😢
I'm glad she shared her experiences. I wish they had RUclips when I became financially responsible. It's a long journey without RUclips. My mother tried to tell us but didn't listen then. Hearing younbnot alone is great.
Honestly I'm shocked how many close friends I know are in debt and so casual about it. And I have friends who have good paying jobs, some have regular jobs, doesn't matter what jobs they have, they all racked up cc debt, car payment debt, vacation debt, concert debt, in general a lifestyle debt, all for 'living in the now' 'in the moment' or whatever. I used to be irresponsible with my spending in my 20s, thank goodness my debt was not more than 8k, but it still stressed me out and I forced myself to change my habits to get rid of all my debt. Also having a baby changed my priorities and mentality. Two years later, no car payment, my debt is down to $4k, I live frugally and save cash for stuff I need. I'm looking into a high yield savings account and open a trust for my daughter. Financial literacy is important! It's never to late to change! I'm still learning but I'm definitely in a better position now than I ever was. It's a freeing feeling. Anyone can do it.
I sometimes get sad because I see my friends or family going on trips or concerts... but then I wonder how much they spent with jobs they have.. and then I come back down to earth and appreciate my situation
I love how you're already thinking ahead about teaching your child financial literacy! My parents are the "don't talk about money" types, so I felt pretty lost in my 20s. You're so right though, it's never too late to change!
Exactly! Let them. Impulse control issues is a part of ADHD. People don't know that, especially if they don't deal with the various forms of ADHD daily.
Symone I am doing a no spend January to pay off two debts left and let me tell you is contagious now I have a couple of my managers doing it too some of my coworkers and I love it I’m like we all need to do this and become minimalists and the amount we save let’s throw it to debt and or invest and I’m here for it.
The other commenters said it best. A lot of these people who want to get into content creation get upset when they’re criticized for what they put out on social media. If you don’t like criticism, don’t put your content on social media. Being a good content creator requires having a thicker skin, because there are a bunch of “posterior orifices” out there that will leave mean comments just to be a pr1ck/b1tch. I am glad that the original creator is seeing the value of her post (it is valuable) - it’s a cautionary tale to share so others don’t make the same mistakes that she did. As for using ADHD as an excuse - I get it. Overspending is a symptom of ADHD, and getting treatment for it alleviates that symptom.
I love how graceful you are in all of your videos. So many finance creators are SO shamey and blamey, and I find that super demotivating. Tough love works for some, but not for me. I need gentle love. As for the people here who are saying this gal was "using her ADHD as an excuse": 1.) What a PRIVILEGE to not have a mental illness that interferes with your life in tangible ways. Everyone's all about ~mental health awareness~ until actual mental illness enters the chat. But see, that's exactly what makes mental illness an ILLNESS - it diminishes your ability to function in society. Many, if not MOST people with mental illnesses, struggle with finances in one way or another. 2.) Impulsive spending, difficulties with long-term planning, struggling with delayed gratification, and using "retail therapy" as a coping mechanism are actually all well-established consequences of ADHD in adults, soooo... 3.) She offered her ADHD as an explanation, not an excuse. An excuse would sound like "well, I have ADHD, so I can't help it. I can never change, I'm hopeless, so I'm just gonna keep on doing what I'm doing, consequences be damned." That's not what she did. She *literally* took accountability for her actions, and is actively working on fixing her situation. 4.) Why do you care? I can understand getting frustrated if someone in your life blames their mental illness when they directly hurt you. But you don't know this gal. Her situation doesn't affect you in ANY way, shape, or form. So, genuinely, why does it bother you that she has acknowledged how her mental health has impacted her relationship with money? Y'all are acting like crabs in a bucket. Putting this woman down, when all she did was acknowledge that she's made a mess, and she's ready to clean it up. Do you feel better?
Isn't that what she wants an attention online 😅I wish her all the best.We all go through financial trouble and learn the hard way.I hope your channel will give her a positive light 😊I am on 20% .
Very true! The numbers don't lie, there's a looot of people in debt. So everyone acting like they're high and mighty is really fishy when you look at the stats 🤔 lol Good for her, keep it pushing, girl, you got this!
Thank you! I am also diagnosed with ADHD and when I was younger, my therapist discouraged me from blaming my ADHD for impulsive behavior because it would discourage me from trying to change that behavior.
@@mephistopheles4910but you still know where the impulsive behavior came from. There are strategies people with adhd can use to improve. Saying “I have adhd and that’s why” is a first step, not an admission that you are helpless to having adhd
I watch these videos not to make fun, but to encourage myself. This is the year I reach my 10k saving point and then attack my debt. 🎉i encourage everyone to be financially stable in times where it seems scary.
Why? You don't need an emergency fund if you have debt. Pay the debt off first. Omg... The financial literacy is appalling. I don't understand why I meet so many people who do insane stuff like this. Like, you definitely know someone who is a financial expert. Just ask for help. My coworker did idiocy like this. I got her out of debt and into a house in one year. This isn't hard. Lots of you just are bad at math and numbers.
@Tential1 I'm sure you're speaking from a place of good meaning but it's hurtful. I will reach that goal by mid February. I do it because it's a mental comfort level. If I don't have a certain amount in my account I feel anxious. I'm still paying off my debt above minimum payments so I'm not sure who you're comparing me to. I plan to be able to put 50% of my income towards debt while still paying monthly expenses. By Mar so thank you but not every one is in the same exact situation be it family or their dependents.
People are so brutal about money and don't get that financial literacy isn't inherent. It's also so freaking true that mental health plays a huge role. I have ADHD and bipolar disorder (yes, diagnosed by professionals). Once I started proper medication and other treatment upon diagnosis at 33 I was finally able to get my spending under control much easier. Is it a mess still? Absolutely! But I have a good handle on it and I'm not in a position where I'm increasing what I owe any longer. I really wish people weren't so awful and judgemental. It's not helpful or constructive.
I love your content. Im in a lot of debt from medical bills from 3 family members really going through it medically since 2020. I was swiping credit cards just so they could have surgeries and to survive with me being off work to care for them. You make it less daunting and keep me on track. I used to heavily follow another popular RUclipsr but they changed their style and now is just kinda mean. Im all for people needing to understand what got themselves into their messes, but but there's a line. Please dont change. Haters going to hate.
For me, just for me... generally... I’m not a huge fan of reaction videos and I try not to jump on the bandwagon and pile on with comments against them. I think there’s value in people sharing where they are in life, and usually, if I think about it, I might not have done *exactly what they’ve done - with money, in some dumb relationship, at work - but you can believe I’ve done something pretty similar... I just didn’t make a video about myself and forgot that stage of my life. They get grace from me. ⭐️
My brother is constantly in debt. I asked him why and his reasoning is "Thats just how it is. Ill always be in debt. So, I might as well do whatever I want". Then he bought a flight ticket to south America to become a shaman. I sh*t you not. He has not actually finished anything. And, once my dad dies, he won't have a way out.
Kala if you are reading this, keep it up girl. People don’t talk enough about this stuff. I’ve been there, we paid off our debt. Talk about it, people want to hide their dirty laundry but as a country we need to talk about this stuff. We can’t fix it if we don’t talk about it. The only debt I have now after being 60k in consumer debt is my mortgage, I have 6-7 years left.
Aye I hope she pays off her debt too! I’m working on paying mine off myself! In the original video though the ADHD portion seemed more like an afterthought but in this video she lead with the ADHD part like that’s what the whole original video was about when it wasn’t (at least I didn’t interpret it that way). I hate to say it but there are mean people everywhere and sharing your life online comes with the risk of people saying negative things about you. Your original reaction was polite and didn’t show her in a negative way but if you wanna be like a content creator then negativity comes with it unfortunately.
People end up in debt for a variety of reasons that aren't just consumerism issues. But In this society having credit card debt like that is not typically a positive thing and is very judged regardless of origin of debt. Criticism is unavoidable when you put it all out on the Internet. Best not to air your laundry in the open if don't want the criticism. Paying off debt is not easy, it's hard work. I hope she gets it knocked out.
I wonder if there are some statistics on the amount of personal debt that isn’t student loans that nurses have. I know more nurses that are in debt through credit cards, upside down car loans, and plastic surgery bills than I know that don’t have those problems. It’s wild, and they make great money. Always living above their means.
I mean impulsively is a symptom of ADHD. People who have impulsive tendencies tend to make poor decisions. A person with ADHD often does not think about the consequences as they are doing the poor choice. I guess if someone knowingly continues to do it over and over without seeking treatment I see your point, but some empathy for others could go a long way.
@@jamiemaxcold9325 I have family with ADHD, and yes I understand what you're saying. I'm tired of seeing people use ADHD as the "excuse" for it all like the woman in the video. Every time my brother makes a mistake, he doesn't say "Well it's because of ADHD" rather he admits it's a mistake and doesn't use it as a shield to deflect all accountability.
Nurses are often terrible with money, from a nurse who used to be terrible with money.😊 I’ve reformed my ways but I was about 50k in stupid debt at one point. Good luck to her.
That's my experience dating nurses. Terrible with money. Managing money is my job. It's a huge red flag if you can't manage your spending. Pretty much the reason I stopped seeing them. Too many people in general think wealth = spending. But everyone I know is rich, and no one spends like that. It's a shame. Nurses make good money too. But, no point in me dating someone who is a financial burden. Doesn't matter how much I have, I can't do that.
Social symone’s channel is not for people who get off of making fun of and shaming people for their lack of financial literacy. Go to Caleb if you want that
It really must be hard to create content regularly. Just consuming content sometimes can be overwhelming. I often times watch a nice video and go to the comments all happy like “🙂 lets see what others are saying”, only to scroll through and be absolutely saddened by how much vitriol is in the comments over the most ridiculous things! Some comments sections have even brought me to tears. Like why is everyone so angry and hateful !😣😭 I’ve even banned myself from reading comments at times. Just watch the video and enjoy the video and scroll through. Dont open the comments section ❌ Its only going to make me sad. The spirit of contention is running rampant these days. I can see how SM is contributing to “and the love of many shall wax cold”
Instead of buying things that won’t help me I buy things I need and can’t go without…everything else can wait and I literally never ever have to even get things I don’t even need.. I save tons and tons and tons of money. Easy if I don’t need it I don’t buy it simple!!
Feels like the ADHD excuse is a shield that's easy to hide behind. Yeah, it can influence your behavior but if she's aware of her diagnosis, she's working on herself and eat her described medication she should be able to make better choices. If you have a diagnosis and you don't do anything to change your behavior you can't use it as a excuse. I don't know her situation but I'm personally tired of the "but muh X diagnosis" and all of a sudden you're untouchable and can't be criticized. So get where she's coming from but I don't agree with what she's doing
I like your content a lot,I was about to buy iPhone 15,I right now have iPhone 15 so not anymore thanks,I used my cc for my iPhone 15 now I regret now,broke as hell buying the latest apple products,in so much debt
This was a style 20 years ago when I was in grade school. I got told by someone that dressed like this that I wasn’t cool cuz I like to wear my clothes properly.
People who are trash talking those realizing they got themselves into a hole and are trying to fix it are the same people who talk trash about fat people going to the gym or working out at the park. Like why are dragging someone down who is trying to better themselves?? It’s asinine! I’ll talk trash about the people online who are promoting overspending and overconsumption but I’ll never talk trash about the ones realizing there’s a problem and are trying to rectify it. Regardless of her method or details, she’s one more person online promoting a healthier financial mindset vs. those online just promoting being financially irresponsible. We need to not discourage the balance
i mean, there are memes about people spending in excess and putting money on CCs so why would we attack those who are trying to get out of debt in a public way? I feel like if people dont have anything nice to say, they should just keep scrolling. I hope she continues to talk about her progress.
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He's my family's personal Broker and also a personal Broker to many family's in the United states, he is licensed and a FINRA AGENT in the United States.
A lot of these people are using their terrible “how did I get myself in this situation? 🙄” content for engagement and to parlay it into a job they really want; to be a content creator and get free stuff. Do I think many people are bad with money and in terrible financial situations and truly want to get better? Yes. Do I think those are typically the people who go on TikTok making a 60 part series and encouraging people to come along the journey with them? NO. Those people either don’t actually want to get better or aren’t in as bad of situations as they say. Because I can guarantee you, a year from now, they’ll still be “trying” to understand the concept of saving and not over spending or still trying to set up a 401k. These concepts aren’t difficult. You either want to do it and you do it or you don’t.
Ms. Kayla the only thing you need to focus on is your debt pay off journey. The majority of us are in debt and a lot of people aren’t working on their debt at all. Just stay focused on the goal. The rest isn’t relevant at all
I’d be honored to have you come to my house and straighten us out, S! Those of us who keep our business to ourselves miss out on help from people like you! Haha!
She uploaded the video. She had to have known that jerks exist, especially on the internet and that there are going to be people leaving rude comments. It doesn't make it right, but it is a reality.
Playas, they gon' play And haters, they gonna hate Ballers, they gon' ball Shot callers, they gonna call That ain't got nothing to do (nah, nah) With me and you That's the way it is - 3LW❤
Soooo you put stuff out for the entire world to see …. And you don’t want anyone to respond…. “Social”media Main Word SOCIAL!!!! Why is ADHD brought up now …..Excuses
You can’t put your business on Main Street then get mad that people are talking. I need people to understand this. If it’s public, there will be negative discourse. Humans are like that. Please stop all the crying. I need people to get thicker skins or get off social media.
Our economy is a credit based system so i am surprised so many our shocked about debt. I have gotten into debt and out of debt many times in my life. Americans are typically one little accident, appliance failure, or sickness away from debt at all times. I have had horrible things happen to me and i just charged it with my credit (because i have excellent credit) with zero knowledge of how i was going to pay it off and Ive managed to pay it off. Most of the time i can't tell you how i managed to pull through and pay it off. Its simply the grace of God. 20k is not that much debt.
Sometimes the people surrounding you makes you to consume debt, like extravagant friends or family will influence you to consume or to spend money $$$$. No diss to you miss, don't use the excuse as ADHD, because if always shits the fan, you will always blame your ADHD of uncontrolled spending and feels that you will always be trapped. Instead of having several things, etc, maybe consider having a therapy first, to control the urge, be disciplined. Or change your environment or the people you surround with.
I am so over this bs of everyone trying to excuse their poor behaviors (financial or otherwise) on adhd, autism, or any other mental health. Just stop, get some help! These are just excuses, there are so many people that have all these problems and they prospered. Also everyone and their grandmother, can figure out how to work tik tok/apps and do research how to do thing on the internet but when it comes to actually useful things like financial literacy they pretend they don’t now how to do sh!t. I am so over it.
All critique and no solutions. Just another complainer in a sea of comments. And just like that-- the world healed thanks to you! Do you even read what you write before you press 'send'?
She’s lowkey triggered 💯 u made a video about her and she was on her own video commenting to someone saying “yeah, if I saw a video about me I would be shocked too” 💀 like girl, why are u surprised you’re making it everyone’s business 😂 just sayin.
Debt means living beyond means. It also means you’re taking on other people and cannot enjoy your money. Stop trying to blame everything on a disability. We all want things that we cannot buy flat out.
How do you handle overwhelming debt?Can sharing your struggles help others?What steps are you taking to overcome financial challenges? Also, what percent is your phone🔋on? I'm on 52%😭
I take a look at what debt I have and come up with a plan to tackle my debt. Yes sharing struggles can help others not fall into the same trap. It is great if you can learn from your mistakes but it is better to learn from other’s mistakes. I can overcome it by looking at finances and cut down on unnecessary spending. I’m currently at 99%.
Keep it to yourself. Be willing to imward focused and understand you are not going to die tomorrow if you occur high debt, your life is not over, its not the end of the world. There is a social stigma and judgement towards debt. There is a sacrifice to be paid if you ever want to push the limits of your capability and to learn life lessons. I rather slowly and digeliently work towards my debt in silence than seek others opinions and have that judgement hang over me. In any case, be willing to work and be frugal with your spending habits. Maintain a great or decent credit score, maintain a good payment history with your cards even if you are in the trenches and use credit limit increases on some cards or secured cards to start from the bottom againsl to rebuild your credit. Save money and even do day trading to help.
62%
@60wwediva use punctuation
@@60wwediva I don't know what's the point of that essay though
LMAO, I SEE MY FACE AGAIN
You're a real good sport, stay focused and you will succeed. God Speed!
@@MJ_Solo Appreciate your support
Nice!
💪🏽👩🏽⚕️great response. Keep pushing. I’m a nurse practitioner who is digging herself out of debt. The finish line is abt 3 months away but it’s been a JOURNEY! U got this! Just keep going.
You've got this, love. There are MILLIONAIRES who are in debt. F what people say, live your best life. In the end, you can't take anything with you when you die; money, debt, material things, etc.
Someone in one comment thread down here saying $20k ISNT shocking as a number in terms of debt has me reeling. I am shook I am bamboozled.
Edit: okay didn’t think I’d have to qualify this BUT I wasn’t talking about student loans which everyone knows can get very high. We could go around and around in circles all day about ways people get into debt which just is not the point. Because regardless of how or why that’s still $ 20k that is completely gone, it’s not yours anymore and will keep growing through interest. Do you not think $20k is a lot of money generally? If it’s a lot of money to have, why isn’t it a lot of money to lose?
it's a shocking number as a fellow person not in debt, but if you listen to Dave Ramsey shows or Caleb Hammer 20k is a drop in the bucket compared to what some people share.
Unfortunately for a lot of people, it isn’t. Its absolutely crazy how people can be that far in debt and its not from a mortgage or student loans
@@arock1988 that’s a good point -almost like we’re desensitized. And I guess it is easy to deflect like “oh well I’m not doing THAT bad, this person has waaay more debt”. Which is wild because If you asked someone if they could have $20k right now I think most people would consider that to be a lot of money, life changing or at least situation changing. but for some reason when it’s debt it’s not always thought about as life changing in a negative way
It isnt. Mine is 10x that with student loans and a house.
@@mckenna_L_ okay, tin foil hat, but I could honestly see major brands and credit card companies funding influencers to make content around how a ton of debt isn’t bad, how consumption for the sake of it is cool, and how you absolutely need to go to X place or buy Y product. People all over are struggling but you’d never know it when you see how much people spent last year
The majority of Americans are in debt and have made these mistakes. You can’t judge others for falling into the consumerism trap. You just have to try to do better and learn from mistakes. It takes a lot of courage to share what she did and be vulnerable.
Agree. It does take courage. And to create social media, there has to be the creation of things to grab our attention, so things are going to be larger than life.
If she posts and says she’s $2K in credit card debt, in 2025 Amerìca, nobody’s going to bat an eye at that. But to post a larger problem? That’s going to get some view... Things have to be big to gain movement in this social media world and it’s going to take some courage to put those very big things out there. Agree
I think this is where a lot of us are missing the mark because What we REALLY need to do criticize is the culture that makes consumption seem desirable … the platforms that enable people to go into debt with the tap of a finger… one has to have a ridiculous amount of self control to NOT fall into these consumerist traps. We are all seeking cheap dopamine and the system pulls you into a never ending cycle.
@Melina_Shadow only stupid gullible fools who don't know how to make mature responsible decisions get in these situations. We don't need to feel sorry for fools who make or decisions. In fact we definitely need to call out and criticize this culture. This made terrible choices and she's to take accountability.
But someone pointing it out may make you realize that you are falling into the trap. I don’t hate someone for being in debt but that doesn’t mean I can’t tell them they are making bad financial decisions when they buy another Stanley in whatever today’s must-have color is.
It really doesn’t and most people go into debt bc of medical bills and trying to take of their kids y’all’s reason for going into debt is Starbucks and that is the dumbest selfish thing I’ve ever heard
As a former nurse, nurses need to see this video. The job is stressful and a lot of nurses use their little bit of extra money to cope. I've met so many retirement age nurses who are still working overtime trying to just pay off their home. They have minimal retirement savings if any.
The "Let Them Theory" is genius! I love that! ❤
There is a book called "Let Them" by Mel Robins regarding this mind shift 😊
if you dont want people to talk about you … dont air dirty laundry online. being upset people reacted to a video she made trying to go viral. Makes no sense. Oh well! Wish her the best
This is all stupid. 20K of credit card debt is not shocking, it's not something to shame anyone over and it can happen to anyone. Thats the problem with this girl who makes videos about peoples failures. The woman responding to her needs to shut up respectfully if she doesnt want people to comment and Respond with criticism or negativity about her situation she openly sharing, but the main problem here is americans have their heads up their asses thinking severe struggle is a character flaw and someone is a worthless loser for falling on hard times. This black girl probably never came within inches of losing her life, losing her home, losing her job, losing a fanily member, having health issues, having to care for or oversee someone that is not her child, have to struggle with kids or have a serious health issue. All of these factors paired mental health issues can result in racking up 20K of credit card debt. I myself have never collectively ever reached that amount cause I leverage my debts with loans. Loans and some cards all together? Yeah, I have 22-24K debt myself. Not 20k on cards alone so while that is a bit much.. its nothing to shame this woman over. Shame people for credit card debt if they using it irresponsibly for frivolity and not for necessity
True, some people forget that social media is public.
Also same people like this youtuber talking shit about people situations they share on tiktok to vent / for awareness, shes probably the same person who end up on those true crime 20/20 abd dateline shows being a victim or dead cause she wasnt willing to take risks and bet on herself to get out of a dangerous situation even if it meant possibly running her credit, savings and all her money at her disposal including credit cards to save her life and escape a killer or abuser. This is an extreme example but think about it. Do you know how many poor women who had a bright future who were good citizens and people are DEAD now cause they didnt think or want to think about charging a trip to that card or using their credit cards to help get out of a bad situation? This has nothing to do with the video but think about it. I dont encourage debt for anyone. I mean common sense but there will come a rare time when you may have no choice to rely on a credit or charge card to save your life in conjuction with your own money and savings. Now, if someone on tiktok said they were 20K in debt on credit cards cause they were dealing an abusive partner who came close to killing them and they were using the card to survive, would we have the same criticism and dsidain?
Seriously think about it and dont tell me this is ridiculous or cant happen cause it can. Debt is debt no matter how its occured and I believe everyone needs to keep their business to themselves but also stop speaking on other people situations.
@@60wwedivawhat are ya on about 😮
@@60wwedivaNOT shocking?!?! Shame or no shame That IS a shocking number. Sounds like you’re just deflecting because YOU feel ashamed about YOUR debt and feel defensive. No matter how you get there that is a crisis amount of debt.
I watch you and Caleb Hammer to help keep me on the straight and narrow. Thanks for your persistence!
I can only watch Caleb Hammer in shorts. One full hour gives me intense anxiety
I applaud her for sharing her journey. It takes courage and being real with urself. Plus like u said there r probably lots of ppl that can relate and that might be motivated to fix their situations as well. I'm currently in the process of paying off my debt. My debt is as a result of helping other ppl, medical bills, personal expenses, emergencies that popped up in 2023-24, etc. I hv faith she, me, and many others will achieve debt free status by the end of 2025.
Your content has helped me finally (at 35) write a budget and make a plan to get debt free. Thank you for the encouragement. ❤
I appreciate her positive attitude towards you making a video and how she shared how not to listen to the haters. There will always be people talking.
Your advice about the comments and how people are in the comments was chefs kiss..I needed to hear that.
Trust me. A lot of people are in debt. People hide it because they’re ashamed, and don’t want to be judged. Life happens. I’ve been shocked about the amount of people I’ve met who are in CC Debt.
her message was needed, it even made me all encouraged and emotional
She may as well be saying "I want lots of attention...but only positive attention" 😂 Honey, the world is full of criticism. Just accept the L and get on with life. Absolutely no hate to this woman though, she hasn't committed a serious crime so doesn't deserve hostility and ire. Hopefully she can figure out a plan to get herself debt free this year, onwards and upwards! All the best to everyone reading too! ❤
Girl you got a shout out low-key! Keep it coming Symone, love your content girl! ❤😂
As a new single mom and beauty girl who’s been trying to be an influencer since high school. I thank you for these videos. I’m learning how to control my money and it gives me a new perspective as a mother. Thank you ❤😢
I'm glad she shared her experiences. I wish they had RUclips when I became financially responsible. It's a long journey without RUclips. My mother tried to tell us but didn't listen then. Hearing younbnot alone is great.
Honestly I'm shocked how many close friends I know are in debt and so casual about it. And I have friends who have good paying jobs, some have regular jobs, doesn't matter what jobs they have, they all racked up cc debt, car payment debt, vacation debt, concert debt, in general a lifestyle debt, all for 'living in the now' 'in the moment' or whatever. I used to be irresponsible with my spending in my 20s, thank goodness my debt was not more than 8k, but it still stressed me out and I forced myself to change my habits to get rid of all my debt. Also having a baby changed my priorities and mentality. Two years later, no car payment, my debt is down to $4k, I live frugally and save cash for stuff I need. I'm looking into a high yield savings account and open a trust for my daughter. Financial literacy is important! It's never to late to change! I'm still learning but I'm definitely in a better position now than I ever was. It's a freeing feeling. Anyone can do it.
I sometimes get sad because I see my friends or family going on trips or concerts... but then I wonder how much they spent with jobs they have.. and then I come back down to earth and appreciate my situation
I love how you're already thinking ahead about teaching your child financial literacy! My parents are the "don't talk about money" types, so I felt pretty lost in my 20s. You're so right though, it's never too late to change!
@@Vforviolet1738being content is key, enjoy what you have and what all you can afford to do at your level until you get to the desired level in life
I love how loving you channel is. Thank you so much ❤
Exactly! Let them. Impulse control issues is a part of ADHD. People don't know that, especially if they don't deal with the various forms of ADHD daily.
Symone I am doing a no spend January to pay off two debts left and let me tell you is contagious now I have a couple of my managers doing it too some of my coworkers and I love it I’m like we all need to do this and become minimalists and the amount we save let’s throw it to debt and or invest and I’m here for it.
The other commenters said it best. A lot of these people who want to get into content creation get upset when they’re criticized for what they put out on social media. If you don’t like criticism, don’t put your content on social media. Being a good content creator requires having a thicker skin, because there are a bunch of “posterior orifices” out there that will leave mean comments just to be a pr1ck/b1tch. I am glad that the original creator is seeing the value of her post (it is valuable) - it’s a cautionary tale to share so others don’t make the same mistakes that she did.
As for using ADHD as an excuse - I get it. Overspending is a symptom of ADHD, and getting treatment for it alleviates that symptom.
It alleviates it IF ADHD is the cause. But for a lot of people it's a totally separate problem with responsibility in general. Imo.
The real question is, are you dropping a DISS track?😂
😂😂😂 This comment has ne Rollin!
@@SocialSymone❤
🤣🤣
Accept and change. Simple and Nothing more.
I love how graceful you are in all of your videos. So many finance creators are SO shamey and blamey, and I find that super demotivating. Tough love works for some, but not for me. I need gentle love.
As for the people here who are saying this gal was "using her ADHD as an excuse":
1.) What a PRIVILEGE to not have a mental illness that interferes with your life in tangible ways. Everyone's all about ~mental health awareness~ until actual mental illness enters the chat. But see, that's exactly what makes mental illness an ILLNESS - it diminishes your ability to function in society. Many, if not MOST people with mental illnesses, struggle with finances in one way or another.
2.) Impulsive spending, difficulties with long-term planning, struggling with delayed gratification, and using "retail therapy" as a coping mechanism are actually all well-established consequences of ADHD in adults, soooo...
3.) She offered her ADHD as an explanation, not an excuse. An excuse would sound like "well, I have ADHD, so I can't help it. I can never change, I'm hopeless, so I'm just gonna keep on doing what I'm doing, consequences be damned." That's not what she did. She *literally* took accountability for her actions, and is actively working on fixing her situation.
4.) Why do you care? I can understand getting frustrated if someone in your life blames their mental illness when they directly hurt you. But you don't know this gal. Her situation doesn't affect you in ANY way, shape, or form. So, genuinely, why does it bother you that she has acknowledged how her mental health has impacted her relationship with money?
Y'all are acting like crabs in a bucket. Putting this woman down, when all she did was acknowledge that she's made a mess, and she's ready to clean it up. Do you feel better?
Isn't that what she wants an attention online 😅I wish her all the best.We all go through financial trouble and learn the hard way.I hope your channel will give her a positive light 😊I am on 20% .
She’s happy she’s going viral. Now she better use the money to pay the debt lol
Very true! The numbers don't lie, there's a looot of people in debt. So everyone acting like they're high and mighty is really fishy when you look at the stats 🤔 lol
Good for her, keep it pushing, girl, you got this!
Morgan looks sooo moisturized. Clear skin..you’re glowing here
oooo girl I need a front row seat for this!
You look fantastic today! That shade of green compliments you so much! ❤
It’s brave to even talk about any topic in general on you tube!
...great video, people can learn from others' experiences with debt😊
She absolutely tried to excuse her situation with ADHD, and was right to be called out for it
It was an explanation not an excuse. She’s working to fix it which also differentiates from an excuse
Thank you! I am also diagnosed with ADHD and when I was younger, my therapist discouraged me from blaming my ADHD for impulsive behavior because it would discourage me from trying to change that behavior.
@@mephistopheles4910 As a fellow ADHD adult, THANk YOU! At some point, you have to take responsibility and accountability for yourself.
I agree.
@@mephistopheles4910but you still know where the impulsive behavior came from. There are strategies people with adhd can use to improve. Saying “I have adhd and that’s why” is a first step, not an admission that you are helpless to having adhd
I appreciate your channel; the final smack in the face I needed to take retirement and investment seriously.
I watch these videos not to make fun, but to encourage myself. This is the year I reach my 10k saving point and then attack my debt. 🎉i encourage everyone to be financially stable in times where it seems scary.
Why? You don't need an emergency fund if you have debt. Pay the debt off first. Omg... The financial literacy is appalling. I don't understand why I meet so many people who do insane stuff like this. Like, you definitely know someone who is a financial expert. Just ask for help. My coworker did idiocy like this. I got her out of debt and into a house in one year. This isn't hard. Lots of you just are bad at math and numbers.
@Tential1 I'm sure you're speaking from a place of good meaning but it's hurtful. I will reach that goal by mid February. I do it because it's a mental comfort level. If I don't have a certain amount in my account I feel anxious. I'm still paying off my debt above minimum payments so I'm not sure who you're comparing me to. I plan to be able to put 50% of my income towards debt while still paying monthly expenses. By Mar so thank you but not every one is in the same exact situation be it family or their dependents.
People are so brutal about money and don't get that financial literacy isn't inherent. It's also so freaking true that mental health plays a huge role. I have ADHD and bipolar disorder (yes, diagnosed by professionals). Once I started proper medication and other treatment upon diagnosis at 33 I was finally able to get my spending under control much easier. Is it a mess still? Absolutely! But I have a good handle on it and I'm not in a position where I'm increasing what I owe any longer. I really wish people weren't so awful and judgemental. It's not helpful or constructive.
I love your content. Im in a lot of debt from medical bills from 3 family members really going through it medically since 2020. I was swiping credit cards just so they could have surgeries and to survive with me being off work to care for them. You make it less daunting and keep me on track.
I used to heavily follow another popular RUclipsr but they changed their style and now is just kinda mean. Im all for people needing to understand what got themselves into their messes, but but there's a line.
Please dont change. Haters going to hate.
Wholesome interaction!
For me, just for me... generally...
I’m not a huge fan of reaction videos and I try not to jump on the bandwagon and pile on with comments against them.
I think there’s value in people sharing where they are in life, and usually, if I think about it, I might not have done *exactly what they’ve done - with money, in some dumb relationship, at work - but you can believe I’ve done something pretty similar... I just didn’t make a video about myself and forgot that stage of my life. They get grace from me. ⭐️
Side note,totally off topic
Your locks are so pretty.so fascinating ❤
My brother is constantly in debt. I asked him why and his reasoning is "Thats just how it is. Ill always be in debt. So, I might as well do whatever I want". Then he bought a flight ticket to south America to become a shaman. I sh*t you not. He has not actually finished anything. And, once my dad dies, he won't have a way out.
Blaming your adhd is trying to unload self-accountability to some degree.
Kala if you are reading this, keep it up girl. People don’t talk enough about this stuff. I’ve been there, we paid off our debt. Talk about it, people want to hide their dirty laundry but as a country we need to talk about this stuff. We can’t fix it if we don’t talk about it. The only debt I have now after being 60k in consumer debt is my mortgage, I have 6-7 years left.
Aye I hope she pays off her debt too! I’m working on paying mine off myself! In the original video though the ADHD portion seemed more like an afterthought but in this video she lead with the ADHD part like that’s what the whole original video was about when it wasn’t (at least I didn’t interpret it that way). I hate to say it but there are mean people everywhere and sharing your life online comes with the risk of people saying negative things about you. Your original reaction was polite and didn’t show her in a negative way but if you wanna be like a content creator then negativity comes with it unfortunately.
Thanks! This was a great pep talk.
People end up in debt for a variety of reasons that aren't just consumerism issues. But In this society having credit card debt like that is not typically a positive thing and is very judged regardless of origin of debt. Criticism is unavoidable when you put it all out on the Internet. Best not to air your laundry in the open if don't want the criticism. Paying off debt is not easy, it's hard work. I hope she gets it knocked out.
I wonder if there are some statistics on the amount of personal debt that isn’t student loans that nurses have. I know more nurses that are in debt through credit cards, upside down car loans, and plastic surgery bills than I know that don’t have those problems. It’s wild, and they make great money. Always living above their means.
Hey Symone you getting traction on the other platforms too 👍🏼👍🏼👍🏼👍🏼✌🏼👏🏼
Very well spoken
❤ the response!
I am pretty tired of people using ADHD as an excuse for poor life decisions
I mean impulsively is a symptom of ADHD. People who have impulsive tendencies tend to make poor decisions. A person with ADHD often does not think about the consequences as they are doing the poor choice. I guess if someone knowingly continues to do it over and over without seeking treatment I see your point, but some empathy for others could go a long way.
@@jamiemaxcold9325 I have family with ADHD, and yes I understand what you're saying. I'm tired of seeing people use ADHD as the "excuse" for it all like the woman in the video.
Every time my brother makes a mistake, he doesn't say "Well it's because of ADHD" rather he admits it's a mistake and doesn't use it as a shield to deflect all accountability.
So, stop using it as an excuse? LOL
I agree
What does their choice have to do with you? Be grateful you don’t have a neurodivergent issue that costs money to treat and takes work to improve.
Nurses are often terrible with money, from a nurse who used to be terrible with money.😊 I’ve reformed my ways but I was about 50k in stupid debt at one point. Good luck to her.
That's my experience dating nurses. Terrible with money. Managing money is my job. It's a huge red flag if you can't manage your spending. Pretty much the reason I stopped seeing them. Too many people in general think wealth = spending. But everyone I know is rich, and no one spends like that. It's a shame. Nurses make good money too. But, no point in me dating someone who is a financial burden. Doesn't matter how much I have, I can't do that.
@ I agree you should date someone with similar financial views. It avoids problems in the relationship. My husband and I are on the same page.
@@Tential1well if it’s mainly nurses it makes sense. Probably a widespread problem of comfort spending to cope with the stress of their jobs
Social symone’s channel is not for people who get off of making fun of and shaming people for their lack of financial literacy. Go to Caleb if you want that
RIGHT
and I have nothing against what Caleb does either we just address things differently. I got love for everybody. 💗
It really must be hard to create content regularly. Just consuming content sometimes can be overwhelming. I often times watch a nice video and go to the comments all happy like “🙂 lets see what others are saying”, only to scroll through and be absolutely saddened by how much vitriol is in the comments over the most ridiculous things! Some comments sections have even brought me to tears. Like why is everyone so angry and hateful !😣😭 I’ve even banned myself from reading comments at times. Just watch the video and enjoy the video and scroll through. Dont open the comments section ❌ Its only going to make me sad. The spirit of contention is running rampant these days. I can see how SM is contributing to “and the love of many shall wax cold”
There’s 1 million other people with ADHD. They don’t all have $20,000 of credit card debt. Get over yourself.
Do you have an off button?
I love how she didn’t give any credit to Mel robbins for the “let them” theory 😂
Instead of buying things that won’t help me I buy things I need and can’t go without…everything else can wait and I literally never ever have to even get things I don’t even need..
I save tons and tons and tons of money.
Easy if I don’t need it I don’t buy it simple!!
Symone are you going to put your diss track over Latto's Brokey? lol jk. Keep up the great work on your videos and your message!
she didn’t dis y’all, she just mentioned me 💗 it’s all love on both sides. I might hit y’all with a rap on another intro tho 😉
Feels like the ADHD excuse is a shield that's easy to hide behind. Yeah, it can influence your behavior but if she's aware of her diagnosis, she's working on herself and eat her described medication she should be able to make better choices.
If you have a diagnosis and you don't do anything to change your behavior you can't use it as a excuse.
I don't know her situation but I'm personally tired of the "but muh X diagnosis" and all of a sudden you're untouchable and can't be criticized.
So get where she's coming from but I don't agree with what she's doing
I said the same thing, but you put it much more eloquently. The ADHD excuse is so tiring.
Hearing people have been mean to Symone got me fired up, whose hating on my girl 😤
When you have the " mindset" of let them.... then you won't feel any shame when deserved and grow.
Your lipgloss is 🔥
Humans always judge so Let them and doʻ you ❤
I like your content a lot,I was about to buy iPhone 15,I right now have iPhone 15 so not anymore thanks,I used my cc for my iPhone 15 now I regret now,broke as hell buying the latest apple products,in so much debt
1:56 maam its cold wear the jacket properly. I am over this tiktok style of one arm open its weird😅
This was a style 20 years ago when I was in grade school. I got told by someone that dressed like this that I wasn’t cool cuz I like to wear my clothes properly.
The irony of what she was saying at this time stamp 😗 … js
People who are trash talking those realizing they got themselves into a hole and are trying to fix it are the same people who talk trash about fat people going to the gym or working out at the park. Like why are dragging someone down who is trying to better themselves?? It’s asinine!
I’ll talk trash about the people online who are promoting overspending and overconsumption but I’ll never talk trash about the ones realizing there’s a problem and are trying to rectify it.
Regardless of her method or details, she’s one more person online promoting a healthier financial mindset vs. those online just promoting being financially irresponsible. We need to not discourage the balance
i mean, there are memes about people spending in excess and putting money on CCs so why would we attack those who are trying to get out of debt in a public way? I feel like if people dont have anything nice to say, they should just keep scrolling. I hope she continues to talk about her progress.
I'm favoured financially with Bitcoin ETFs approval, Thank you buddy.$28,600 weekly profit regardless of how bad it gets on the economy.
Same here., I strongly agree that the Bitcoin ETFs approval will be greatly life opportunity for us, with my current portfolio of $102,500 from my investments with my personal financial advisor Steve Miley I totally agree with you😊
YES!!! That's exactly his name (Steve Miley) so many people have recommended highly about him and am just starting with him from Brisbane Australia...🇦🇺
He's my family's personal Broker and also a personal Broker to many family's in the United states, he is licensed and a FINRA AGENT in the United States.
The very first time we tried, we invested $1000 and after a week, we received 4500. That really helped us a lot to pay up our bills.
Steve Miley has really set the standard for others to follow, we love him in Canada🇨🇦as he has been really helpful and changed lots of life's
Whew I wish I had 20,000. My student loans have me in shambles
A lot of these people are using their terrible “how did I get myself in this situation? 🙄” content for engagement and to parlay it into a job they really want; to be a content creator and get free stuff. Do I think many people are bad with money and in terrible financial situations and truly want to get better? Yes. Do I think those are typically the people who go on TikTok making a 60 part series and encouraging people to come along the journey with them? NO. Those people either don’t actually want to get better or aren’t in as bad of situations as they say. Because I can guarantee you, a year from now, they’ll still be “trying” to understand the concept of saving and not over spending or still trying to set up a 401k. These concepts aren’t difficult. You either want to do it and you do it or you don’t.
Ms. Kayla the only thing you need to focus on is your debt pay off journey. The majority of us are in debt and a lot of people aren’t working on their debt at all. Just stay focused on the goal. The rest isn’t relevant at all
I’d be honored to have you come to my house and straighten us out, S! Those of us who keep our business to ourselves miss out on help from people like you! Haha!
I watch this kind of content to laugh, because their debt payments are my income. Lol.
The nurse engaged back to make money on social media.
What’s the best business email to reach you Symone?
She uploaded the video. She had to have known that jerks exist, especially on the internet and that there are going to be people leaving rude comments. It doesn't make it right, but it is a reality.
This lady is impulsive and is offended by the observation. You ran up date due to ADHD, so should your patients trust you as a nurse. 🤔
Excuse me - who is out here being hateful to Symone?!??! Straight to jail. Absolutely not. Let this lady do her thing!!
Playas, they gon' play
And haters, they gonna hate
Ballers, they gon' ball
Shot callers, they gonna call
That ain't got nothing to do (nah, nah)
With me and you
That's the way it is
- 3LW❤
If you air your dirty laundry online what do you expect?
Soooo you put stuff out for the entire world to see …. And you don’t want anyone to respond…. “Social”media
Main Word SOCIAL!!!! Why is ADHD brought up now …..Excuses
I understand everyone’s situation is different obviously but that’s less than the average car loan or student loan…what’s the big deal.
We still should not be blaming "adhd" please own up to carelessness amd frivolity
Hi Symone, new subscriber here 🫶!
You can’t put your business on Main Street then get mad that people are talking. I need people to understand this. If it’s public, there will be negative discourse. Humans are like that. Please stop all the crying. I need people to get thicker skins or get off social media.
FTB STAND ON BIDNESS
Our economy is a credit based system so i am surprised so many our shocked about debt. I have gotten into debt and out of debt many times in my life. Americans are typically one little accident, appliance failure, or sickness away from debt at all times. I have had horrible things happen to me and i just charged it with my credit (because i have excellent credit) with zero knowledge of how i was going to pay it off and Ive managed to pay it off. Most of the time i can't tell you how i managed to pull through and pay it off. Its simply the grace of God. 20k is not that much debt.
Sometimes the people surrounding you makes you to consume debt, like extravagant friends or family will influence you to consume or to spend money $$$$. No diss to you miss, don't use the excuse as ADHD, because if always shits the fan, you will always blame your ADHD of uncontrolled spending and feels that you will always be trapped. Instead of having several things, etc, maybe consider having a therapy first, to control the urge, be disciplined. Or change your environment or the people you surround with.
Hate?? In the comments??? No way!…. 😂😅
I am so over this bs of everyone trying to excuse their poor behaviors (financial or otherwise) on adhd, autism, or any other mental health. Just stop, get some help! These are just excuses, there are so many people that have all these problems and they prospered.
Also everyone and their grandmother, can figure out how to work tik tok/apps and do research how to do thing on the internet but when it comes to actually useful things like financial literacy they pretend they don’t now how to do sh!t.
I am so over it.
All critique and no solutions. Just another complainer in a sea of comments. And just like that-- the world healed thanks to you! Do you even read what you write before you press 'send'?
What does having adhd have to do with her being in debt? Deflection level 100
Only thing she has to clear is her debt. "We don't care"!
Financial literacy and budgeting needs to be taught in all levels of school K through 12 and college.
What if she’s faking it so she can go viral ?
She’s lowkey triggered 💯 u made a video about her and she was on her own video commenting to someone saying “yeah, if I saw a video about me I would be shocked too” 💀 like girl, why are u surprised you’re making it everyone’s business 😂 just sayin.
Debt means living beyond means. It also means you’re taking on other people and cannot enjoy your money. Stop trying to blame everything on a disability. We all want things that we cannot buy flat out.
"You're a nurse..." What does that have to do with anything? So nurses, teachers, and professionals are perfect in their personal lives?
Sweet chocolate and an Asian honey bunny roasting each other. Lol 😊 😍
These people are, going to have to SHOW PROOF of ADHD or whatever they want to claim.