When you accept that these are all unique financial stories and not what everyone can/should do, these videos are really interesting. As a side note, it's refreshing to hear a story where the story teller didn't move back home.
Totally agree! Got so sick of the”but it’s not r e l a t a b l e” comments that seem to happen every time there’s a video like this. Relatable is not the same as useful. Just have to learn to figure out what works for you and what isn’t applicable to your situation. No one is going to be 100% relatable because we all have different life circumstances. Yeesh.
1. Keep expenses as low as possible 2. Take a second job 3. Take advantage of credit card rewards I actually have done all these! I just uploaded a video on how I save on monthly expenses 😊
So I feel like the title of this video is really misleading. Like this was more about how she paid off her student loans in one year, not how to live a good life in an expensive location on $34K.
I find these videos very interesting to get a view of the financial circumstances of people in the US, but it does make me thankful that I live in Australia. Our loans have no interest, only indexation, and you don't have to start paying them off until you earn over a certain amount. After you go over that threshold they only make you pay a certain percentage of your income and it's automatically deducted in your pay so you don't have to think about it. Our tax is also automatically deducted and your employer has to put money into a superannuation account for you (like a retirement fund) at 9.5% minimum on top of your salary. As much as I have still felt financial pressure in my life, this makes me more grateful.
Maybe it's unrealistic of me but I do wish this channel wasn't so USA-centric. More videos/experiences which could be relatable to a more global audience would be cool.
I could imagine the feeling of relief from paying off that debt. I love this channel because listening to these videos makes me feel like I have my life together.
As a Gen Z who when it comes to money and finances learned basically nothing from my parents and certainly nothing from my grade school years; I can honestly say that I truly love this channel. The financial diet has helped me learn SO MUCH about money. Everything from saving and emergency funds to budgeting, saving extra money, and managing a credit card. hearing other people’s stories ( even if I can’t personally relate to them) has helped med learn new tips and tricks for managing my own money and how to not only avoid debt but also how to get out of it if I do ever find myself in it.
@@vreniwindig8162 Mit Bafög-Höchstsatz sinds vor allem maximal 10.000 Euro Schulden mit 0% Zinsen und über 20 Jahre zahlbar. Wenn das 10%-Mädel aus dem Film das hören würde... ;)
It is so weird to hear people say $31k a year is a lot. I make $34k a year and I feel like I’m struggling so much. I got a second job so that helps though.
Depends what job you get with that 100k+ education and how motivated you are to get rid of it. My Mom used to work in an emergency room, they had a new Doctor start right out of school she had her students loans paid off within a few years because she kept living like a poor university student, same terrible apartment with a bunch or roommates and eating the cheapest things she could find.
Working on 11.40 an hour here. Associates degree. I was lucky to live with parents during and after and was able to pay of my small loans pretty fast. Now I'm working on emergency fund. Slow going now.
ICYMI: Navient does not allow credit cards for paying off student loans. However they do allow debit cards. Point being, that $500 bonus better be able to be cashed out & put into your checking account or else it's useless. But yes, look for freebies anywhere & everywhere
Yeah... My version of entry level is close to what I make as a salary which is less than 10k. I make 7k a year... That's entry level... Working a restaurant or retail job close to minimum wage is more entry level in my eyes.
STEM research positions generally pay better than most entry-level jobs in other fields, but employers are kinda brutal when it comes to requirements and "recommendations". They often actually care a lot about specific research and classes taken in college and you 100% need at LEAST a B.S. In that way it is not really entry level because they expect you to have worked (usually unpaid or for scholarship) for 1-3 years while in undergrad and grad school.
precious A i have a fashion degree as well but i work in tech. If you don’t mind answering, where did you graduate from and what city are you working in?
Alternatively, if you were unable to pay off the loan within a year, you could have paid it off with a credit card or another loan with an interest rate of
I used to make $34k after 20 years in the newspaper industry. Now at age 59 I make almost half that at Walmart. I'd love to be making $34K again. I guess I'm astounded that this figure is considered a entry-level wage
Probably it depends on the location. Some cities/states are more expensive than others and no one would take a job at a lower salary than that. It is just how the market works.
Is it £12,000 before or after tax? Even though I suppose that at that salary one would only pay social and health security and barely any taxes.
5 лет назад
$34000 is equal to about £28000. However, in the US most employees must also pay for their own health care premiums, and pay extra for dental and vision care. The average health insurance premium cost for a healthy person in their 20’s is $1,000 annually, not including copays and out of pocket expenses for GP visits, dental procedures, and medical treatments.
I only 1000 on my emergency funds while only making 28 grand on 2016 now all my credit cards debt is paid off n I have car loan and medical bills to tackle
While I appreciate the concept of these videos, I find that they are lacking in offering a variety of methods to paying off debt or becoming more financially independent. The stories read a bit same-y overall, the trend seems to be as follows: 1. An early to mid 20s female; 2. Either lives with their parents or takes on a second job/side hustle; 3. Reaches their goal within a short-ish period of time (less than 5 years usually, but up to and not exceeding 10); 4. Starts off with a small amount of debt, or no debt; 5. Usually college educated. This age range and situation probably appeals to the demographic of TFD readers and watchers which is why they continue doing it. However, as a late 20-something with considerable student loan debt considering filing for bankruptcy (due to the very stupid decisions of an early 20-something me) I have a hard time relating to these videos, and have noticed many other people are feeling the same. I have loved TFD on YT for several years but the last 6 months of content have felt very... boring. I will continue to read the blog but will probably unsubscribe.
Great video and good advice for any amount of debt. Students, choose your school wisely. Look at the five year earning differences. You will be surprised that the more costly schools do not equal the higher pay or even a guarantee of a job. Choose your course of study wisely. If you can't get a job, you may have to go back and take a few more courses for a more job friendly degree. It is daunting but it may be your only option.
agreed choosing the right field is important. if I work in the field that I've studied which is MIS i would be making 6 figures by now but life took a different turn i end up working in accounting field that i only has an associate degree in. it's decent money but not 6 figures I'm still a little bitter about lol. At the end of the day it's not how much you make its how to manage it at least I'm keep saying that to myself lol
I am a nurse. Twenty five years ago, my entry level was in the 40's. It all depends on your course of study. The saying of do what you love and the money will follow isn't always true. It's like being a major league ball player. Everyone loves baseball but only a few are skilled enough to play.
You can. Federal student loans can't be, but private loans from other lenders can. They charge a higher fee though. She wasn't allowed to borrow federal loans at her school, so she borrowed from the school itself.
@@TheMarkGoudy There are many lenders out there, and while most probably won't accept credit card payments, the option still exists depending on your situation and relationship with your lender. You can even use a third-party, that may charge a high fee. For example, Plastiq will make the payment and charge your credit card. You can then pay off that amount with your checking account. You can also try to negotiate with your lender for a one-time credit card payment if your loan is small enough. It's not in the lenders favor to allow those in debt to pay with another debt, but the option is there - unlikely, but not impossible.
@@magdelineadler4284 She said she did this every month. It wasn't a one-time payment. And if she paid with something like that that charges a fee, it defeats the purpose of earning cash back.
@@21guitars I suppose you can but that's not what she did. She paid the $4000 with the credit card and then used the $500 cash back to reimburse herself.
@@TheMarkGoudy I'm confused by how you know what school she graduated from and what their policies regarding debt repayment are that makes you assume it's not possible?
@@MissKapanadze Lots of assuming and defensiveness on your part there. You obviously don't understand how a student loan works. 1) You don't take out the loan through your school nor do you pay it back to the school so what school she went to is irrelevant. 2) US Treasury does not allow credit card payments on federal loans. If we're assuming these are instead private loans, I have AES and Navient who are the two largest private loan servicers. They don't accept cards so statistically speaking her loans are probably with them and don't accept cards. I can't say for sure that some random private loan company doesn't accept cards but it's unlikely because credit card companies charge a percentage of the purchase price as a transaction fee. When paying off a loan, that's a big chunk of money that goes to that fee. Also, paying by credit card gives you the option of disputing the charge later which is the primary reason you can't pay a loan, any loan, with a credit card. Why do you assume that it IS possible?
Damn you have it rough over the pond. I'm a German engineer. My first pretty averagely paid job with a masters is way more. Around 31k USD after european taxes and social insurances (do they even exist in the US?). Tuition for all my studies was less than one semester in the US. Yeah social democracy!
Oh no thats not minimum wage in America! Entry-level just means the salary of someone when they first start in a CAREER job. So that usually means they’d have to have a 4-year (or more) college degree or some sort of licensing to work that job, and it’s usually a non-labor, professional job. Minimum wage is $7.25 an hour, so if someone works 40 hours a week for the whole year, they make $15,000 before tax, and it’s less than that after taxes are taken out. Still a lot better than Argentina, but nowhere near 34K
Yeah but then compare that salary to the cost of living in most major US cities. For example, renting a room is generally anywhere from $700 to $1000 per month, an apartment $1500-$2500 per month
Depends on the industry. Also cost of living can be quite high so that is still not going to get you very far in a big city. I live in Toronto, Canada which has similar cost of living issues as big cities in USA. Right now one bedroom apartments are $1200 for absolute garbage. Most rental postings I am seeing for one bedrooms or even studios (aka no bedroom, the livingroom/kitchen is also where your bed is) from $1600-$2000 per month and these are SMALL if you're in the core downtown. Add on transit pass for about $146 my cell phone and internet bundle is close to the same $150 I think and that's with the phone itself already paid off.
Geez, I made more than 34k a year and that was while in college. I couldn't imagine living off that with real bills and debt. I see a lot of people with similar issues in the comments what kind of degrees did you people get?
Tracy Yeung 13k isn’t that much in comparison to majority of people with 50k+ in student loans. 13k isn’t the norm, it’s on the very low end so it’s not exactly relatable. You’re entitled to your opinion and I’m entitled to shoot it down with actual facts, there is an actual student debt crisis going on; 1.5 TRILLION in student loans, 13k is chump change in comparison to millions of Americans with crippling student debt. So yea, maybe featuring more people with REAL debt as I originally stated would be more beneficial than these people who have such a small amount they need to pay back and really only have to scrimp and save for like a year and they’ve paid everything back when most people do not have the same reality
Will It’s totally understandable cause it’s lower, I get that. She made it obvious that she knew that and that she was grateful for it. Dismissing her for her student debt by saying “get some REAL debt” is just ridiculous. Lots of people have more debt and maybe lower salaries. Some have higher debt and higher salaries. It’s still debt and she’s giving advice
Tracy Yeung I thought I made the sarcasm obvious? was the all caps “hahaha” not enough? Obviously no one wishes crippling debt on anyone. Good lord. And she doesn’t need you internet defending her, she’s doing just fine debt free☺️
When you accept that these are all unique financial stories and not what everyone can/should do, these videos are really interesting. As a side note, it's refreshing to hear a story where the story teller didn't move back home.
Oh my God yes. Not everyone can afford to go back home.
Totally agree! Got so sick of the”but it’s not r e l a t a b l e” comments that seem to happen every time there’s a video like this. Relatable is not the same as useful. Just have to learn to figure out what works for you and what isn’t applicable to your situation. No one is going to be 100% relatable because we all have different life circumstances. Yeesh.
1. Keep expenses as low as possible
2. Take a second job
3. Take advantage of credit card rewards
I actually have done all these! I just uploaded a video on how I save on monthly expenses 😊
New sub :)
@@liesbethmaes thank you! xx
Me too!
So I feel like the title of this video is really misleading. Like this was more about how she paid off her student loans in one year, not how to live a good life in an expensive location on $34K.
Good catch! :D
*_I really enjoy the animations this channel does_*
I find these videos very interesting to get a view of the financial circumstances of people in the US, but it does make me thankful that I live in Australia. Our loans have no interest, only indexation, and you don't have to start paying them off until you earn over a certain amount. After you go over that threshold they only make you pay a certain percentage of your income and it's automatically deducted in your pay so you don't have to think about it.
Our tax is also automatically deducted and your employer has to put money into a superannuation account for you (like a retirement fund) at 9.5% minimum on top of your salary. As much as I have still felt financial pressure in my life, this makes me more grateful.
Maybe it's unrealistic of me but I do wish this channel wasn't so USA-centric. More videos/experiences which could be relatable to a more global audience would be cool.
Luumus they might need ideas. Send in an idea and they might incorporate it.
Agreed!
Go and subscribe to the Minority Mindset. He gives USA-focused and international wise financial tips.
They have videos from people Canada as well.
As someone stated, they have had a few Canadian videos. But I agree .. it would be very interesting to see how others live.
Saddened that, while these are good strategies for some, the title doesn't match the information.
My roommate and I currently share a large one bedroom apartment. It helps SO much towards reaching financial goals. -Akeiva
My entry level pay is $26,500... forced to live alone with zero benefits. It’s hard
I could imagine the feeling of relief from paying off that debt. I love this channel because listening to these videos makes me feel like I have my life together.
As a Gen Z who when it comes to money and finances learned basically nothing from my parents and certainly nothing from my grade school years; I can honestly say that I truly love this channel. The financial diet has helped me learn SO MUCH about money. Everything from saving and emergency funds to budgeting, saving extra money, and managing a credit card. hearing other people’s stories ( even if I can’t personally relate to them) has helped med learn new tips and tricks for managing my own money and how to not only avoid debt but also how to get out of it if I do ever find myself in it.
I'm so grateful I'm scandinavian and not american
Beeing a german is also not too bad when it comes to studying. :)
@@dirtydorte8355 na das studentenwerk kommt einem beim bafög zumindest entgegen 😄
@@vreniwindig8162 Mit Bafög-Höchstsatz sinds vor allem maximal 10.000 Euro Schulden mit 0% Zinsen und über 20 Jahre zahlbar. Wenn das 10%-Mädel aus dem Film das hören würde... ;)
It is so weird to hear people say $31k a year is a lot. I make $34k a year and I feel like I’m struggling so much. I got a second job so that helps though.
10% interest?! Wow, there are some poor graduates with $100k+ in debt that are going to be paying off debt for the rest of their lives.
Depends what job you get with that 100k+ education and how motivated you are to get rid of it. My Mom used to work in an emergency room, they had a new Doctor start right out of school she had her students loans paid off within a few years because she kept living like a poor university student, same terrible apartment with a bunch or roommates and eating the cheapest things she could find.
Working on 11.40 an hour here. Associates degree. I was lucky to live with parents during and after and was able to pay of my small loans pretty fast. Now I'm working on emergency fund. Slow going now.
That's mad, my debt is like £47k and entry level jobs here barely get you more than £18k
What did you study?
I love the finical diet, this channel is so important
That point on credit cards, yes!!
this is an interesting video but definitely isnt what the title indicates.
ICYMI: Navient does not allow credit cards for paying off student loans. However they do allow debit cards. Point being, that $500 bonus better be able to be cashed out & put into your checking account or else it's useless. But yes, look for freebies anywhere & everywhere
Thank you for that information!!! I will definitely check that on my loans before applying for a card.
34k a year! an entry level? wtf! Definitely here in Panamá, we are SOOOOOOO under paid. My goodness. I don't even make 20k a year.
$34k is considered entry level? Dang, I guess I’m in the wrong business....which happens to be finance.😑
Yeah... My version of entry level is close to what I make as a salary which is less than 10k. I make 7k a year... That's entry level... Working a restaurant or retail job close to minimum wage is more entry level in my eyes.
STEM research positions generally pay better than most entry-level jobs in other fields, but employers are kinda brutal when it comes to requirements and "recommendations". They often actually care a lot about specific research and classes taken in college and you 100% need at LEAST a B.S. In that way it is not really entry level because they expect you to have worked (usually unpaid or for scholarship) for 1-3 years while in undergrad and grad school.
ikr. That's like 2.8k a month. I'll be lucky if i make 1k a month in an entry level job as an engineer
It depends on the area/city you're in, I make over $34k and I work in finance (entry level)
precious A i have a fashion degree as well but i work in tech. If you don’t mind answering, where did you graduate from and what city are you working in?
Alternatively, if you were unable to pay off the loan within a year, you could have paid it off with a credit card or another loan with an interest rate of
Wait, wait, wait, 34k is "entry level"? O.o What... I make 25 MAX...
I used to make $34k after 20 years in the newspaper industry. Now at age 59 I make almost half that at Walmart. I'd love to be making $34K again. I guess I'm astounded that this figure is considered a entry-level wage
Probably it depends on the location. Some cities/states are more expensive than others and no one would take a job at a lower salary than that. It is just how the market works.
Being from the Uk, it’s always hard to see how salaries like $34000 isn’t amazing. In the UK an entry level job is maybe £12,000 to £20,000.
Is it £12,000 before or after tax? Even though I suppose that at that salary one would only pay social and health security and barely any taxes.
$34000 is equal to about £28000. However, in the US most employees must also pay for their own health care premiums, and pay extra for dental and vision care. The average health insurance premium cost for a healthy person in their 20’s is $1,000 annually, not including copays and out of pocket expenses for GP visits, dental procedures, and medical treatments.
I only 1000 on my emergency funds while only making 28 grand on 2016 now all my credit cards debt is paid off n I have car loan and medical bills to tackle
While I appreciate the concept of these videos, I find that they are lacking in offering a variety of methods to paying off debt or becoming more financially independent. The stories read a bit same-y overall, the trend seems to be as follows:
1. An early to mid 20s female;
2. Either lives with their parents or takes on a second job/side hustle;
3. Reaches their goal within a short-ish period of time (less than 5 years usually, but up to and not exceeding 10);
4. Starts off with a small amount of debt, or no debt;
5. Usually college educated.
This age range and situation probably appeals to the demographic of TFD readers and watchers which is why they continue doing it. However, as a late 20-something with considerable student loan debt considering filing for bankruptcy (due to the very stupid decisions of an early 20-something me) I have a hard time relating to these videos, and have noticed many other people are feeling the same. I have loved TFD on YT for several years but the last 6 months of content have felt very... boring. I will continue to read the blog but will probably unsubscribe.
I hope you’re able to pay off your debt and live the life you want soon! Cheering for you!
Student loans aren’t bankruptable
LOVE THESE VIDEOS!!!
Best spending habit: 1. Buy hospitalization insurance & 2. Life insurance
Does wealthsimple work for someone in Europe?
What college was this? Forced 10% interest is INSANE.
what's your opinion on ellevest?
34k is not entry level though
Oh America, where huge debt from college and medical emergencies is normal...
I am so happy I'm going to be debt free
$34k is a shit ton of money for Poland, for example
Lessons learned..but you did awesome
my side hustle is working security. i get paid to simply show up and watch movies.
How do I write a video for TFD?
4:28 $,1000
I believe this video is reuploaded..
Great video and good advice for any amount of debt. Students, choose your school wisely. Look at the five year earning differences. You will be surprised that the more costly schools do not equal the higher pay or even a guarantee of a job. Choose your course of study wisely. If you can't get a job, you may have to go back and take a few more courses for a more job friendly degree. It is daunting but it may be your only option.
Why is everyone shocked at the entry level amount? My entry level job is over 55k. Go into the right field.
ALXSSA
That’s a harsh comment. What is your field?
agreed choosing the right field is important. if I work in the field that I've studied which is MIS i would be making 6 figures by now but life took a different turn i end up working in accounting field that i only has an associate degree in. it's decent money but not 6 figures I'm still a little bitter about lol. At the end of the day it's not how much you make its how to manage it at least I'm keep saying that to myself lol
I am a nurse. Twenty five years ago, my entry level was in the 40's. It all depends on your course of study. The saying of do what you love and the money will follow isn't always true. It's like being a major league ball player. Everyone loves baseball but only a few are skilled enough to play.
Besides the degree you get you also have to factor in location, experience and networking (who you know).
I love this
this is my favourite my MIW
This is so obvious
Education should not put young people into debt and a bachelors degree should not be a minimum standard ESPECIALLY if it costs thousands of dolt
My entry level pay is 90k. Get a STEM degree. It is worth the pain in college. Liberal arts is a death sentence in our society. Just being blunt.
I didn’t know you can pay a student loan with a credit card
You can't.
You can. Federal student loans can't be, but private loans from other lenders can. They charge a higher fee though. She wasn't allowed to borrow federal loans at her school, so she borrowed from the school itself.
@@magdelineadler4284 I have Navient and AES. The two biggest companies for private loans. They don't take credit cards.
@@TheMarkGoudy There are many lenders out there, and while most probably won't accept credit card payments, the option still exists depending on your situation and relationship with your lender. You can even use a third-party, that may charge a high fee. For example, Plastiq will make the payment and charge your credit card. You can then pay off that amount with your checking account. You can also try to negotiate with your lender for a one-time credit card payment if your loan is small enough. It's not in the lenders favor to allow those in debt to pay with another debt, but the option is there - unlikely, but not impossible.
@@magdelineadler4284 She said she did this every month. It wasn't a one-time payment. And if she paid with something like that that charges a fee, it defeats the purpose of earning cash back.
You can't pay a student loan with a credit card.
MarkGoudy you can cash out points and use cash to pay the loan
@@21guitars I suppose you can but that's not what she did. She paid the $4000 with the credit card and then used the $500 cash back to reimburse herself.
@@21guitars And that's my point, that that's not possible.
@@TheMarkGoudy I'm confused by how you know what school she graduated from and what their policies regarding debt repayment are that makes you assume it's not possible?
@@MissKapanadze Lots of assuming and defensiveness on your part there. You obviously don't understand how a student loan works. 1) You don't take out the loan through your school nor do you pay it back to the school so what school she went to is irrelevant. 2) US Treasury does not allow credit card payments on federal loans. If we're assuming these are instead private loans, I have AES and Navient who are the two largest private loan servicers. They don't accept cards so statistically speaking her loans are probably with them and don't accept cards. I can't say for sure that some random private loan company doesn't accept cards but it's unlikely because credit card companies charge a percentage of the purchase price as a transaction fee. When paying off a loan, that's a big chunk of money that goes to that fee. Also, paying by credit card gives you the option of disputing the charge later which is the primary reason you can't pay a loan, any loan, with a credit card.
Why do you assume that it IS possible?
34k is entry level salary in the USA??? Man, no wonder everybody wants to move there. In Argentina, minimum wage is roughly 3600 dollars a year.
Damn you have it rough over the pond. I'm a German engineer. My first pretty averagely paid job with a masters is way more. Around 31k USD after european taxes and social insurances (do they even exist in the US?). Tuition for all my studies was less than one semester in the US. Yeah social democracy!
Oh no thats not minimum wage in America! Entry-level just means the salary of someone when they first start in a CAREER job. So that usually means they’d have to have a 4-year (or more) college degree or some sort of licensing to work that job, and it’s usually a non-labor, professional job.
Minimum wage is $7.25 an hour, so if someone works 40 hours a week for the whole year, they make $15,000 before tax, and it’s less than that after taxes are taken out. Still a lot better than Argentina, but nowhere near 34K
Yeah but then compare that salary to the cost of living in most major US cities. For example, renting a room is generally anywhere from $700 to $1000 per month, an apartment $1500-$2500 per month
Depends on the industry. Also cost of living can be quite high so that is still not going to get you very far in a big city.
I live in Toronto, Canada which has similar cost of living issues as big cities in USA. Right now one bedroom apartments are $1200 for absolute garbage. Most rental postings I am seeing for one bedrooms or even studios (aka no bedroom, the livingroom/kitchen is also where your bed is) from $1600-$2000 per month and these are SMALL if you're in the core downtown. Add on transit pass for about $146 my cell phone and internet bundle is close to the same $150 I think and that's with the phone itself already paid off.
Geez, I made more than 34k a year and that was while in college. I couldn't imagine living off that with real bills and debt. I see a lot of people with similar issues in the comments what kind of degrees did you people get?
👏🏻👏🏻👏🏻
ENTRY LEVEL SALARY ??? So what am I lol even working 7/7
It’s easy to pay off your debt when it’s so low, $13k HAHAHAHA that’s nothing. Get some people on here with REAL student loan debt.
Why do we have to gate keep budgeting and student debt? Chill
But thats 13k paid off in a YEAR! People can still get a lot of tips from it even if someone has $50k in debt, they just have to take more time
Tracy Yeung 13k isn’t that much in comparison to majority of people with 50k+ in student loans. 13k isn’t the norm, it’s on the very low end so it’s not exactly relatable. You’re entitled to your opinion and I’m entitled to shoot it down with actual facts, there is an actual student debt crisis going on; 1.5 TRILLION in student loans, 13k is chump change in comparison to millions of Americans with crippling student debt. So yea, maybe featuring more people with REAL debt as I originally stated would be more beneficial than these people who have such a small amount they need to pay back and really only have to scrimp and save for like a year and they’ve paid everything back when most people do not have the same reality
Will It’s totally understandable cause it’s lower, I get that. She made it obvious that she knew that and that she was grateful for it. Dismissing her for her student debt by saying “get some REAL debt” is just ridiculous. Lots of people have more debt and maybe lower salaries. Some have higher debt and higher salaries. It’s still debt and she’s giving advice
Tracy Yeung I thought I made the sarcasm obvious? was the all caps “hahaha” not enough? Obviously no one wishes crippling debt on anyone. Good lord. And she doesn’t need you internet defending her, she’s doing just fine debt free☺️
first!