I literally was going to your channel to watch your newest video and I see MY FACE🤯 First off, I want to say THANK YOU for making this video. Not for me, I could care less but to show people my stupidity and mistakes. I graduated from nursing school during the panini August 2020 and had to retake the NCLEX 5x until I passed. Most of my credit card debt was paying the testing fees and then it snowballed into depression spending in between. I take all the accountability in the world for my decisions up until now. I have been in therapy since October working through my trauma because I know that my mindset is the root of my situation. I appreciate everyone truly. Reality has settled and I am LOCKED IN🔒
You are so welcome, I am wishing you all the success on your debt journey!!! There's not a perfect person in this comment section, INCLUDING ME. We all do things we likely wish we didn't. We are all human, what's important is what you are doing about it now. YOU GOT THIS!!! ❤️
This is not true for her case. She’s over compensating for her WEIGHT she tried her best to not say it directly but at 2:17 she alludes to exactly that. With social media and pattern recognition most people will notice that if you don’t have a certain look then you have a certain lifestyle to attract a viable audience. She needs zepbound and gentle workout routine that elevates her mood and calms her mind (such as Pilates, barre, long walks in nature) - and share that experience on her page instead. Her debt will come down because she will shop less (this is an anecdotal experience that is being reported by MANY zepbound or other glp1 users) and she will get the body/look that she wants. She also has moon face and major inflammation both can me managed with glp1s and lifestyle. She could also do it the “natural way” but since so many people lied about not being on it since 2010.. i can’t trust that “natural” weight loss exist anymore
I was in over $15,000 in debt. I refused to go into 2025 with that debt on my shoulders. So I hustled my butt off and paid it off. I'm so relieved to not have that weight on my shoulders.
@@AmericansikkuntCreditcard facilitated lives us such an American thing. In my country you are not allowed to pay certain debts with credit cards. You can definitely not pay kne creditcard with another. You can so quickly fall into creditcard debt.
@arh1234 the only thing a person can buy that can't be repossessed is an education. It doesn't have to be college, it can be a trade program, a mentorship, etc. Once you learn something, no one can take it back from you.
Indentured servitude is there by choice one…I think you’re thinking of slavery which yeah, feels the same but isn’t by choice. I would argue they were still manipulated to think it was necessary at 18. how else do people go to medical school? Debt is universal there. at least for some years, everyone has it.
Wow! I grew up poor, no lifestyle creep. Im an RN. Only debt is mortgage, paid off car, savings, and investing for retirement. Im able to help my family. Im so glad I learned not to keep up with the Joneses, the fads, the trends. If I spend, I spend on experiences.
For me if I spend on something I don’t need, I have to be getting it on sale on top of using a coupon because that’s the only smart way to do it in this economy.
I’m a nurse(RN) of 4 years in one of the most expensive cities in America aka NYC (Brooklyn to be exact). Within these 4 years of working as a nurse, I managed to pay off 50k in student loans, 30k in car payments. I just bought a house in NYC. Down payment 20%. I did it all by myself. I’m not saying any of that to brag. I’m saying this to say a lot of people truly don’t have financial education. Yes I make more than the average job, but my money management is the key to my financial success
@@ricana1160right a COVID deal. You’re leaving out that you took advantage of COVID perks to nurses such as raises and generous travel nurse packages. That’s a large reason why you’re able to live such a life in NYC
She actually has a "product" that people can definitely relate to right now. She can chronicle her journey of getting out of this debt and sharing the lessons she learns along the way. Then once she comes out on the other side financially, she can then shift to how to remain debt-free. Because she’d be actually living what she’s talking about, that would make her authentic and relatable. There’s a lot of potential here for her to be a successful content creator if she shifts her perspective.
That’s not appealing to companies though. They want influencers who spend and promote consumption. She won’t make much just talking about getting out of debt. No companies will sponsor her.
It’s crazy how less than 100 years ago was the Great Depression, I remember growing up, my grandma washing ziplock bags, reusing every jar and container, etc. and now we’re in this over consumption society. My grandma is still alive today, she would probably lose her marbles if she knew what was going on in society now days. I have tried to move towards a more simple, less consumption life myself.
Dude, my Granny would bleach the styrofoam trays that meat came on,plus the styff you mentioned. Those who lived through the great depression NEVER FORGOT IT! Granny died with 200k in her savings account (a lot in Oklahoma) and a deep freeze full of jarred and canned vegetables.
Hmm I am still reusing my pasta jars, tupperware containers and rewash the ziplocks..and I am financially comfortable😂 I think struggling with money in the past taught me how to be practical and consumerism savvy. I’d rather buy a bit more expensive product with exemplary quality knowing it will last years down the line.
I am definitely going on a low buy/no-buy year in 2025. My goal right now is to declutter a little bit more and just focus on enjoying all the things I already have. I know this will be a little bit hard because I am a natural born shopper but over the years the desire does lesson more and more. You just reach a certain age where you have pretty much everything you need and you just wanna start being able to focus on other things and relax. I think that the anti-consumerism and the no buy trend is absolutely going to be a good thing for a lot of people! Good luck, everyone!
Well it will also be good for the enivionment. Everything you buy will end up in the trash some day. But yea you get into your 50's and 60's and realize you do not need all this stuff.
That's the key. Be happy with what you have. Take care of what you have Make it last longer. Tell them teenagers to get them jobs. Shovel snow for people, baby sit the neighborhood kids. Save their money. Buy their own things and see how far the dollar goes. Dose of real world expectations
What helps with this is being poor. But if you can’t be poor you can pretend to be by going into Walmart but bringing no money or only $15 in cash. The goal is to walk out without buying anything. I’m currently poor and go to Walmart a lot, but since I’m poor I can’t buy hardly anything. When you have $5 and really need soap for $6, that’s when reality comes into play. You tend to spend less and pick and choose what you actually need. You can’t buy $11 in plates or $20 in foundation.
@@JAM661 AMEN!! That was what I was going to say. I found when I turned about 50-52 yrs old I just DID NOT CARE about the latest & greatest CRAP out there. And I found out, oh boy, did I save money. Also, I QUIT going out to eat too because I found a lot of places didn’t take care in how they made their food. 3 tries is ALL they got from me. It does FREE UP THE STRESS LEVEL!! 😎 HAPPY UPCOMING 2025!!! 🎉 ✌🏻
Spending money they don’t have to keep up with the joneses aka influencers/celebrities/idols, when even some of them are posers who don’t got it like how they like us to believe
Not having an emergency fund is an emergency. I made great money but never paid attention to where my money was going. Then I got sick. I was 35, had to go on disability with little pay and a $20k medical bill and I HAD health insurance. Then, my roof started leaking and it ended up being a massive home repair : roof, siding, deck, all had to be repaired or replaced. Then my son was diagnosed with a lifelong medical issue. For me, it wasn’t about shopping or social media, I didn’t have a budget or plan or savings. I’ve been digging myself out of a hole since then. Have a budget and an emergency plan people, you never know what will happen.
Its disgusting how one medical emergency can force ppl into debt. I was inbetween insurances just as I got Covid which caused bloodclots. I saw 2 specialist, got a MRI, heart sonar, stayed a week in highcare, 3 days in normal ward, got 2 units of blood & it did not cost me a cent at a public hospital. Emergency savings is a must in America. I cannot even imagine.
I think ideally most people want that but realistically it’s not possible, it’s not in the budget even if you absolutely wanted it, it’s like life insurance we know it’s important and that we need it but simply can’t afford to add it in the budget
I have an emergency fund but no way is it going to cover that kind of situation. That's genuinely a life-changing event. A six month emergency fund would have helped in your case but it would be a drop in the ocean compared to what you actually needed to get through stress free.
I am JUST now getting myself out of the same hole! In 2017 I was a 27 year old single mom and bought a house. Paid my car off before closing. Father's Day, June 2018 I broke my foot on the job as a delivery driver and went on workers comp. 5 weeks later on July 25th my mom was driving myself and my son who was 3 at the time back from my grandma's house a couple states away and we got hit by a semi. I was on shoot term disability right after my work comp ended and the whole thing was 9 months of only 60% of my income at the time. I had a truck I bought in March of 2018 and could afford at the time I fell behind on and was sued for non-payment. After settling my accident case with our lawyers, I lived off that for 6 months while taking care of my mom after her 3rd and 4th back surgery after massive infection complications with her first (after semi accident) and required around the clock care with IV antibiotics. Then March 2020 I was getting hired at a medical delivery company and that got haulted because of COVID-19 lock downs. There is a lot more stuff involving addition and credit card debt i don't even want to get into right now because it's so much. Now, _nearly 6.5 years of HELL,_ I have a 3.5 month emergency fund, a couple grand in a retirement account and I'm rebuild credit and paying down student loans. Not having an emergency fund is absolutely an emergency because life hits hard! I'm 34 now and honestly thankful for making it out to the other side and seeing the error in my ways even though I was never one to over consume or a big spender.
My husband is a fully licensed physician. He has over $350,000 in student loans. While we work to pay that off, we drive 15-year-old cars, and live on around $4000 a month (which is definitely more than some, but it's not that doctor life that everybody imagines). Of the average medical bill, only 6% goes to the physician, if you're complaining that doctors get paid too much you're complaining about the wrong area of healthcare. If doctors worked completely for free, you'd only get a 6% discount. People don't even consider that a sale. Get mad at the administrators and the insurance companies!
Exactly. Yet these Health Insurance CEO'S and shareholders wonder why us regular people who are struggling don't seem to care when one of them gets bumped off.
You're absolutely correct. I had to have a second Dr surgery to fix the first Dr eye surgery. My insurance knocked his bill down from $55k to $4k. He should have been paid in full after saving my sight- instead of the first one! 😕
You so right it's because these companies and hospitals put such large mark ups on the medication and yet the doctors get a drop in the bucket of all of this money being made
I know it it's not always about the job. Many times it's more about money management. Good money management with a high paying salary Is the icing on the 🎂
My daughter is a hospital RN and she makes more in her second year post graduation than my husband who has spent 20 yeas in the Army. She makes an excellent living in a low cost of living state. She lives on her own, owns her car and has over 20k in savings, zero debt and she just turned 23. I don't know what you are defining as healthcare workers but nurses can make a great living if they are willing work in the hospital. She is not rich but she is very smart with her money and she knows how to say no to herself.
Im so glad I got serious about my debt a few years ago. Took me a minute to get on the saving train after a year of kinda spending on whatever I wanted- as long as it didn’t out me in debt. Now I’ll save 15k in the next 10 months. Yay emergency fund
I hate what social media has done. She has an admirable, altruistic, life saving career & she wants to just be a popular face. She wants to be known. I wonder if she used to want to help people & social media warped her mind. This breaks my heart.
I've been an RN in CA for more than 15 years. I don't have a second job, a side gig or pick up overtime. I drive a modest car, and live in a small house. No debt, mortgage paid off, and max out my 401k and roth. I also have ADHD, but I get obsessed with living within my means.
@@LizzieMagzsure, but keep in mind that little, daily choices shape who we are in the long run. Good habits, when you start early, have a massive payoff in later years
@cinthiaham1517 Dont act like getting paid $25 vs $75+ and the OT options are the same thing. This has nothing to do with habits and everything to do with income level.
Proverbs 22:7 - “The borrower is the slave to the lender” Be careful of debt, life happens and debt is something that will consume us if we’re not careful with it
I was 25k in CC debt earlier this year (never buy a house without an emergency fund, friends) and started watching you, Caleb Hammer, and some de-influincing underconsumption creators. Now Im ending the year with no CC debt, emergency fund building, and plans to pay off my car early.
My parents may not been able to give me birthday parties or any gifts as a child was upset about that. But as i grow up and started working and handling my finances i realized they gave me the ability to save money and not spend on unnecessary wants and the biggest one i am DEBT FREE and i grow more thank very day and every video like this i see
"Content creator" dream chasing is just the same as living beyond your means and Keeping up with the Joneses. I'm not moved by her tears. She has a genuine career but looking for the next best thing. Social media isn’t real, people!
@LulaMae21 Then pivot. Every nurse isn't patient-facing. There's so much that can be done in the medical field. I mean, it sounds like being an influencer has sucked more out of her than anything else.
I completely agree. She strikes me as a person that wants all the privileges of an influencer, like free makeup, skincare, free trips and parties but hasn’t succeeded yet so she’s mad about it. And she’s also in debt, probably trying to live a life that’s not in her reach, and she can’t accept that. I don’t feel sympathy for her cause I don’t think she’s genuine in her words, that she wants to change and I think she just says it for the sake of going viral. The real change happens behind the scenes. Yet she still craves the life of an influencer, which we all know is filled with overconsumption, following the trends and trying to stay as relevant as possible. Crocodile tears. Very mixed feelings about this person
I'd love to know the stats for how many people who try content creation are actually able to make a living from it. It's just not a realistic dream for the majority of people. It might sound mean but not everyone is exceptional or charismatic or interesting. You need at least one of those things to be famous.
Things I will not be buying in 2025: 1) Skincare (I have enough for a year) 2) Haircare (extensions, weaves products) 3) Féminine hygiène products 4) Shoes 5) Workout clothes (until I lose this weight) 6) Perfumes (I’m done) 7) Cleaning supplies 8)Kitchen stuff (I swiped my credit card at home goods 100times buying Dutch ovens, kitchen gadgets, bakeware to start a cooking channel, never did) 😢 9) no eating out. Unless it’s for an outing with someone. I doubt they’ll be anyone. 10) No household decor. Infact, I will not be stepping foot in any clothing store. Especially Marshall’s. Tjmaxx, Burlington. My monthly subscriptions have all been cancelled. Spotify, Netflix. Oh I was planning on buying a new car next year. I will be fixing my 2007 dodge caliber, driving to work and back home. Most importantly. I will be spending more time with my Father in Heaven. I am choosing riches in spirit. On rich in debt. Pray for me.
I'm 43 and got out of about $15k in credit card debt in 2024. I worked my FT job but added a PT job at a doggie daycare (10-30 hours a week) and started petsitting. ALL the money from the daycare and petsitting went to debt. I started in Feb 2024 and was debt free by Sept 1 2024. It was a lot of work. I was constantly running from one thing to the next. I was exhausted. Sometimes the dog daycare shifts started at 5:30am. Sometimes I was finishing petsitting around 10 pm. However, I know it would be a lot of hard work to undo what I did in the past so I just committed the time, put my head down and did it. I feel so free now and it's exciting to just sock that money away for an emergency fund and the future. I'm amazed at how much debt was holding me back from my own future.
I think the mistake she made is not understanding that most of the successful influencers get the products they promote for free from the manufacturer. The influencer then makes a sales pitch by trying to be relatable. That faux relatability seems to be working on a lot of people.
Also a healthcare worker. Im glad she admitted its all about her keeping up with the Jones' and lack of money management. We who work in healthcare work hard but no we are NOT rich. Ive realized that for most, luxury lifestyles are all a show for social media. Lets all come back to reality and the real world.
I’m a nurse and I’ve been practicing 9 years. I myself went into debt buying things that made me happy momentarily, eating food that made me gain weight, and just over spending in general to compensate for my traumatic job. (I worked in the jail settings mainly, now I do Homecare) I had to find balance in all aspects of my life and I wish I could tell all nurses to pay for therapy with that OT money and stop buying stuff you don’t need or want. At least travel if you want to drop money, spend on experiences. Life is too short and before you know it you’ll be ready to retire with no savings. Start now today. Start with a penny if that’s what you can afford today. Oh snap you just inspired a blog post thank you 😂❤
Thank you SO much for linking her social media in the details. SO many content creators do not do that and it's so wrong. Not only should they be credited, but many of us would like to follow them. Thanks again for the hard work you do in putting your videos together. The hard work shows.
@@Ms.MD7 same here! i work with alot of paycheck to paycheck nurses. they all make over 92k a year minimum (starting rate for lowest RNs positions). they always be inviting my to go join them for group dinners are these nice restrurants. i always make excuses not to go like telling them theres a 8 peices for $5 fried chicken at ralphs/albertsons/stater bros i dont want to miss out on , so i cant go 🤣
I have been slowly crawling out of $20k+ cc debt myself and it has been hard. I watch a lot of personal finance videos and when I found out about taking free trips with cc points I got really out of hand with it. Majority of the debt went towards our wedding and home Renovations, and about a year later now the debt is down to $8k. Plan to have it fully paid off by May 2025. Never again, lessons learned!
Periodddd i finally have just one loan to pay instead of 5 credit cards and now i know when all my debt will be paid off instead of always making minimum payments for multiple cards for YEARS. Its so toxicccc
I'm working on my 2025 budget and cash flow plan now. I remember having to plan to go see a movie premiere months in advance because finances were so tight. I wasn't taught financial literacy and I made too many mistakes in my 20s. When I sat in financial workshops one thing that stood out was that a lot of people don't understand the difference between debt-free and bill-free (no such thing as having zero bills). Even with my house paid off, I'll still have to pay utilities, maintenance, and taxes. Billionaires have bills too - that yacht needs fuel and that mansion needs electricity. So people give up because their idea of being debt-free is erroneous. Great video to bring in the new year
About 5 years ago, I graduated from a top 3 nursing school and got my first job making…$23/hr. At one of the top hospitals in the country. Southern and rural hospitals pay terribly. A lot of us are struggling like everyone else!
That's terrible. I graduated a decade ago and was offered slightly less than that in a smaller hospital in SC. I make a good bit more now but not enough to afford a house of my own because local home prices have jumped 60% in the last 4 years and my pay absolutely has not. 😂
Interestingly, it's flipped for primary doctors. They get paid much more in rural areas than they do in larger cities like NYC and LA. Healthcare workers are so critical to our society and I hope you're able to get higher pay in the coming years
I’ve paid off 36k of personal loans and credit card debt this year and am set to pay off my last debt which is my car loan in February of 2025 for a grand total of 43.5k of debt paid. I’ve never felt lighter and more at ease. I will embark on a massive savings journey next year but it’s so nice to see all of my paycheck go to me and not banks and creditors.
I paid off $18k in debt throughout 2024 right when I turned 30 years old. My debt was due to a divorce in late 2022 that threw me off a bit but I eventually got back on my feet. Now I have one credit card and my policy is, if I use it, I make a payment that same day. It’s working so far and I love feeling debt free.
Lifestyle creep is so real for nursing culture, especially in California. I don’t own designer brands or a nice car and have felt somewhat “un-cool.” I’m an NP now and paid down student loans for my RN after the first few years and got my masters half paid-for through a service grant while in school. Budgeting for the student loans and car debt, and supporting my then-med-student husband wasn’t fun. But I grew up thrifting, still buy as much as I can secondhand, cook at home, and budget vacations well in advance. The mental toll of healthcare work and looking back working through COVID, are all factors to consider because nurses make good money but it’s not easy work.
I can admit, I am not financially literate. I like to think I am but I’m not. I make over 6 figures and am in debt. I felt everything she said. All I want right now is to be financially free for my baby’s future. And I’m starting really late in life. But it’s never too late to start.
@Doobadoobaa I think they already know they have a problem, so your comments aren't helpful and only rude. You aren't better than them and you don't need to speak down to anyone. You have your own things you need to work on. We all do. Try to be respectful if you can't be nice.
@@Dustbunnybaby I think you can go back to first grade with your mentality and maybe even take an economics class with these folks 🤣If a 18 year old can do it so you can you buddy!!
These are “I just watched financial audit and realize I have been wasting my hard earned money on taquitos” tears. I wish this person the best… this is hopefully the first step to realizing your problems and taking action to do better ❤
My sediments exactly 💯 😂 I can hear Caleb now reading through her credit card statements: _"Amazon Amazon Starbeez Taquitos More Amazon Chick-fil-A AND AT 29.9% INTEREST RATE OF DEATH!"_
As someone with type 1 bipolar, manic episodes can mean major impulsive spending moments/sprees. I keep a tracker of ALL purchases, photograph my receipts, and watch my spending. Sometimes, catching myself by checking off the little "Impulse Buy" checkbox in my tracker brings me that moment of awareness I need to do better. I think mental illness and neurodivergence can make being money smart hard, even for someone with financial literacy. My parents and schools did a good job teaching me smart spending habits, and I am aware of them, but I still make mistakes. I hope this lady talks to someone for 1) her finances and 2) her mental health. Financial troubles are so painful.
I’m a nurse and for the social media hype that they say nurses make, I’m nowhere near. I live in NC which is pretty poor for RN pay. I am so thankful I can pay for my apartment, my maintenance bills, school loans, food, and to buy things I like here and there. Forget designer bags and luxury trips, because I would cry if my car broke because I can’t afford another major bill like these crazy car payments. We work so hard and it’s easy for healthcare workers to emotionally spend to make up for the stress with work. I’m victim to it and am trying to work on it or at least find another job that doesn’t make me want to spend money to make up for my unhappiness with work.
NC is definitely not the best for pay. I once got into an argument online with someone citing national statistics because I make like $20k below whatever the average is and they didn't believe pay is low in some areas lol.
You really don't NEED a lot of material things. My husband and I saved 50k in two years and still travelled a lot, but we heavily prioritize. 10 year old car, cooking mostly at home. Our christmas presents were a small board game and a vegetable slicer. IVF and wanting to buy a small home in the future takes priority and its fine!
I wish we had financial lessons at school. Im 54 now and trying to get rid of debt. But honestly looking back i wish i knew how to make better choices.
@@Doobadoobaa Economics doesn't have much to do with financial literacy, and I wasn't offered an economics class until college. A financial literacy class in high school would be invaluable.
This is an example of folks not content with their lives. She has dreamed of being a content creator when she is a nurse helping folks. She has spent money she did not have to live a life that she dreams of wanting. She is not alone. So many folks are just unable to find contentment in their lives. If anything that is the main thing folks should work on-Mindset and Contentment.
Instead of comparing themselves to their past selves, people compare themselves to other people. That's an unfair thing to do because everyones circumstances are different. I completely agree with you about the aspect of "contentment" in life. I think not enough people practice and vocalize gratitude; there would be a lot more contentment with what people already have if they vocalized their gratitude.
I have always been careful with my money because luxury for me is financial security as opposed to deaigner brands. For some reason wanting financial security makes me "stingy" and "cheap" but going into debt and stressing about finances every month while having a fancy car and fancy handbags is more acceptable socially so i can understand why allot of younger people are pressured into spending rather than saving.
Yet another example of "it's not how much you make, it's how much you keep." I was a bedside nurse for 10+ years (have since moved on to other things), there were sooooo many people falling for social media marketing, MLM products, general consumerism (wasting money on crap they don't need -Lulu, Stanley, Figs scrubs, etc.) in addition to buying (financing/leasing) cars out of their price range and luxury goods (mostly bags). Sure, they looked like they had money, but they were constantly complaining about how broke they were because it was purchased with debt.
My father taught me that if i dont have the money for it, i dont need it. I do not have a cc. I own my own car - i take care of it. Own your car if nothing else No one can come take it if you lose your income.
I’ve been a nurse for 8 years in Florida and we don’t make as much as people think we do. Even with 8 years experience I am not making anything near 6 figures. The pay in Florida is especially bad because the price of housing is expensive.
I got out of most of my debt in 2024. I still have a mortgage which is debt. I hope to start tackling that full force in 2025. Now credit card debt I haven’t had in a long time. It was the hardest habit to break carrying balances. I had to stop using them altogether once I cleared the debt until I could change my habits. Now I can use them and pay them off before the statement each month (never carrying balances).
i had this problem two years ago. what helped me with overconsumption was learning about how people are worked to death to assemble the products people are going into debt for. it radicalized me, now I haven’t bought any new clothes in about a year and some change.
Part of our problem today is that we have begun to think of things that were historically luxuries, as every day necessities. You don’t need new clothes every month, doordash is not something you need, 10 streaming services every month is excessive, new cars, perfumes, jewelry, home decor, all of these things are luxuries!
There’s a basic misunderstanding about income. After a certain point, your income doesn’t matter, how much money you have at the end of the year matters. If you make 50k and have added 5k to your savings you are much “richer” than someone who makes 100k and has added 10k in debt (in this example the 100k person ends the year with 15k less wealth than the 50k person).
I grew up in a very frugal household we never were allowed to go on vacations or buy things we liked because my dad was such a saver anyway he could save money he did, to the point we even reused paper towels (he still does this to this day) I think he thought that this would make us financially responsible but it did the opposite for me, as soon as I got a job and money all I did was blow it buying whatever I wanted because for once in my life I could. I am still struggling with this because now it has become my only coping mechanism with anxiety stress and depression. This year I’m hoping to make smarter financial decisions and actually save and find better coping mechanisms!
You are spot on. A lot of it is financial literacy. I’ve seen this with folks who originally came from a low-income background, then all of a sudden, they’re making $80-100K, which in their eyes is a lot of money. However, they think that at that income, they’re “rich”, so they’re living large, even going into debt to do so. Also, people who hear the “success stories” about social media want to get in and be that next social media star. However, many of these “social media stars” had a head start - they came from money/family member has money so they have a safety net or they were already a celebrity in another genre so they were coming in with a healthy audience. For the “social media stars” who started from nothing, it took them YEARS before they made it, and they sacrificed and scrimped to be able to do this.
I know it’s hard because I was there. I had 20k debt but I made a plan and it took 5 years but now I’m not in debt anymore. It took me not buying anything for myself and putting everything I have in my credit cards but it can be done. I promise
It’s always the car note that gets people. My husband and I both agreed when we got out of the military that we would be debt free, so for a year and a half, we aggressively put basically double payment on our car and paid it off in 4 years opposed to the initial 6 years. It was hard and we’ve decided to never buy new again. I would rather save for my future and the occasional vacation than keeping up with others. 🙂↔️
I was taught young, about taking care of money.1.never owe more than 25 percent of ur check on bills.2.always save another 25 percent of ur check,and the other 50 u have free if need it, if not put in saving.3. ONCE I STARTED SEEING MY SAVING ACCT. GROW I WAS A HAPPY CAMPER
I finally figured out why I like these types of videos from you. I love the financial literacy education, I love the way you present information, but mainly I like seeing rich people being stupid. 😅 Apparently I am not a good person. 😂
My wife is a nurse and she’s very financially literate. We’re doing pretty good, we’re not big ballin but we live comfortably and she paid off her $20k student loan.
Watching these videos make me appreciate myself so much. I’m not too frugal but just enough to handle cc debt- I don’t have any. Also my only debt currently is my mortgage and I want to keep it that way.
My debt happened for a lot of reasons out of my control (ie: cost of living, low wages) or felt out of my control (ie: trying to keep my ex happy so our home can be "peaceful"), but also things in my control (indie nail polishes, book subscription). I'm in Canads but I think other countries have something similar. I did a consumer proposal in May 2024 and my life is so much nicer, I have more money and I have no credit card. Instead of paying almost $1000/month for interest to continue to destroy me, I pay $320/month, with no interest, for 5 years to pay off the half of my debt was forgiven. I have to rebuild my credit after but I have no regrets making this decision on how to manage my debt.
Although regular people make more money in today's society, we're also the most superficial and targeted buyers. It's so weird that not growing up with money has made most people less respectful of it because they're trying to heal childhood wounds through it or simply prove their worth through it. -- it's how much you keep
"That life" and overconsumption are real. I was there many years ago and in over $30,000 worth of debt. I had to buckle down and get my life together and this is on how I started cash stuffing. This is exactly why I started my channel because I want everyone to see how budgeting, changing your spending habits and saving can change your life dramatically.
I don't always think to comment, but I wanted to say I really appreciate how you showed compassion but also didn't pull punches when talking about this situation. I see some other videos that seem to focus on calling people out without talking about the larger issues at play. I appreciate the nuanced takes you give in your videos.
I’ve just had influencer burn out. Having the new new might be great & all, but I like having my bills paid, a roof over my head, & eating well at home. I get anxious swiping my credit card periodt - but it’s always on a well thought purchase that’s a need, which I’ve saved for or bills. The travel miles I’ll get will be used to visit family.
Can't wait for this one! I know a lot of nurses who either say they're broke or live like they are. Cost of living is high here but like, I know yall doing something wrong.
This i know a very successful travel nurse who lives with so much debt and issues makes really good money but has more then a dozen car payments every month can't outgrow bad habits
I was recently diagnosed with ADHD as a 41 year old. The impulsive activity is real and been greatly reduced by medication. I had thousands of dollars in credit card debt from reckless spending and not understanding finances. I started watching Financial Audit last year and I've paid off the high interest cards . She can get out of debt, she just has to prioritize it.
It took me being sick and tired of feeling sick and tired of having debt to finally get rid of debt (student, medical and consumer debt). I decided to sacrifice a year of fun (zero non essentials) to get my life back. All I did for a year was work (2 jobs), sleep & gym. I absolutely refused to acknowledge whatever money I made as mine, everything I made belonged to my debtor. I can't describe the feeling I felt the moment I made my final payment. So many of my friends and family think I'm insane for living like a monk to pay off debt. But I highly encourage people to take the time to self reflect and understand that denying yourself wants to get out of debt is worth it. It's not forever, it's for a season that will allow you to regain control of your life and your future.
You could be on real low salary, it all depends on how to budget. You can earn 100K a month and be in debt if you don’t track your spends. The fast food, interest accruing, clothes, smoking, not having emergency money - all choices.
As someone with ADHD I'm tired of people using this as a reason for their stupidity. It's truly about taking stock of yourself, asking yourself honest question. I'm fortunate that I have a dad who's a financial advisor who tells me the nasty truth about my over the top ideas. It sounds like she needs to seat down and look at where her money is going, and then set ACHIEVABLE GOALS- like "safe $30 in 30 days". And once you've reached that goal, set it a little higher. Before you know it, you have a light at the end of the tunnel.
Imagine the amount of adhd who don’t have a parent or anyone in their lives to redirect them and even encourage them to go along with their over the top ideas and make these bad financial decisions. Yes, personal accountability has to come into play at some point, but a lot of people don’t learn these lessons until after they’ve fallen into these traps and are dealing with the consequences. It may be common sense to you because you’ve learned these lessons through your father who was keeping you grounded, but for many people they don’t know what they don’t know
Within ASD we have this phrase "If you've met one autistic person, you've met one autistic person" which means even though we all have the same underlying developmental disability, we are all different. Something you can manage with ADHD might not come so easily to someone else with ADHD. There are things I can do that other autistic folks can't, and vice versa. Do not judge others by your ability.
@@ashleyl.6898 I have pretty severe ADHD and I would still never put myself in $20,000 debt because I grew up with a parent who made decent money but because we were in such massive amounts of debts/payday loans we were living paycheck to paycheck. I think it’s funny how mental health has started trending on the Internet in the past four years because growing up I was always taught that using your mental illness as a crutch for your poor behavior is not going to go well for you long-term. What’s crazy to me is that there are plenty of poor people out there who are desperate for mental health help but don’t have insurance or other reasons that prevent them from getting help but then there’s people making a ton of money and they use their mental health as an excuse when they have more than enough resources to go get help for their mental health if it’s even clinically diagnosed
Her transparency is commendable. Becoming a homeowner and a mother over the past 4 years helped me take control of any debt I had. Living within your means, paying off car and mortgage aggressively.. and never carrying over a month to month balance on CCs is the way to go.
Another point to make is that influencers that post products from luxury brands don’t actually OWN those products most of the time. They either buy it and then return it or brands give them the products for them to post. But if you did what this RN did, yeah- you would be in debt.
There was a influencer caught out unboxing fakes/ dupes. Others buy big hauls & go return it after they make the video. Plus others are sponsored by the bank of mom & dad or get given stuff by brands to promo.
I so wish Financial Literacy was taught in school. From kindergarten through high school, Just like reading, writing and math. You are immerse in it as a requirement throughout your school years.
Think about how much money they will lose if they taught this stuff. But I said the same thing now I’m obsessed with personal finance and my debt free journey.
@GySgt213,Why can't parents teach that to their children? My parents taught me and I taught my kids,why do people expect the schools to each their kids everything like teachers don't have enough to do,I guess the only job of a parent is have the kid and it's the teachers job to raise their kids,sad way of thinking now a days.
@@barbaranymiel3089literally !! If people are not prepared to teach their own children- they shouldn’t have children until they grow up in the real world
@@barbaranymiel30891000% people depend on the education system to teach this but it starts at home- if they are not productive- maybe the child shouldn’t live there.
Who said parents can't teach their kids about finance and that schools should teach everything. Parents also teach their kids to read ane write. Should schools not teach those subjects to avoid your everything pointless complaint. Jeez dude.
I’m an RN I make 82k but I work OT and probably bring over 100k in PA…I’m comfortable but I don’t have kids and live in a house my bf owns so idk it’s deff cost of living vs were you live vs how you budget your money obviously career and earnings from that career increases it but still goes to show you life style creep can leave you broke no matter what you make Edit: my first nursing job I worked a ton to get my student debt down and my consumer debt GONE and now I only have my student loan debt BUT I’m comfortable with savings and a retirement building and emergency fund so yeah I think nursing or any job that makes that same salary range is a good tool for money making lol just got to know HOW to use it
I loved your empathetic take on this - it’s not what I was expecting from the thumbnail. People’s relationships with money are very complex and her admission of a lack of financial literacy is very brave. The dopamine hits we get from spending and the normalisation of a lifestyle no one even aspired to when I was a child is a salve for a lot of issues, from loneliness, to inadequacy, to depression. New subscriber here 🙋🏻♀️🙋🏻♀️🩷
Last year I realized that I wanted a baby, badly, but being single, I knew I needed to be in a financially better situation before I could bring a kid into the world. I had a credit card with a low limit ($1,000) but that credit card was preventing me from actually saving money because I kept thinking I had $1,000 to use. Last November, I closed that credit card and a year later, I've managed to put away a significant emergency fund. I want to upgrade my car, but my (paid off) 2011 Impala still runs and isn't in terrible condition, so I've told myself, unless something happens, I'm keeping the Impala until my student loans are forgiven (I work in the public sector and am 8 years into the 10-year forgiveness thing).
$300 dollars to go on my After pay and I’m done I just finished my last Klarna payment and deleted the app I refuse to keep this cycle going in the year 2025
Do you think nurses earn enough to stay debt-free? Have you ever gone into debt to chase a dream? What’s your #1 tip for getting out of credit card debt? Also, what percent is your phone 🔋 on? It's 1:20 AM and I'm on 79% 😭
It depends completely on your certification and your field. My mom graduated with an associates in nursing and landed a career with a starting salary of $80k excluding paid overtime as a mental health nurse. her field does require her to deal with emotionally dis regulated people who can be dangerous but a vast majority of nurses do as well and get paid way less doing it. I hear a lot of people who are nurses talk about going into anesthesiology but I question whether or not there's any real demand for new hires. It's a nurses dream job but it's also highly specialized and I doubt there's a high turnover in the field. I mean, how many anesthesiologists does a hospital need in any given day?
I am not a nurse but based online regarding if nurses make enough, I don’t know. It’s a mixture of answers: I heard they make good money, I also have heard they live paycheck to paycheck and I also have heard a nurse went on TT calling out nurses for lying about their paychecks like how truck drivers be lying about how much they get paid. I guess it depends the individual, the location, their lifestyle, etc but then again you can be ANYONE over the internet! 🤷🏾♀️ My phone is on 💯 ❤
@sagittariushenanigansss exactly I'm sure the cost varies depending on where people live and what salaries they are able to negotiate. But as with any job, you can be in debt, even if the job pays. ❤ and you weren't lying about that last part!!!
@johnrivers3813 I'm glad that your mom was able to land the job! No matter what type of nurse I respect people in the healthcare field for helping people who are physically or mentally ill. ❤️ I have heard something similar about people wanting to go into anesthesiology also! There was a woman on CNBC "MAKE IT" who did everything she needed to do to become one in Florida, but she traveled back to New York to see her boyfriend, she was making WELL over 100 grand a year, which is why many people may want the job and I can understand that. Perhaps if someone has done the qualifications to become an anesthesiologist, they may have to move to another state due to the demand as you said.
I am a respiratory therapist in the midwest. After 16 years I am almost making what the starting pay for the average Respiratory therapist should make when I graduated. Also an associates degree for this. Apparently, Maryland, where I lived before moving back home pays a lot more than here. It is hard to support a family. It is nowhere near 6 figures.
As a nurse with ADHD, don’t blame ADHD for your bad choices. You’re an adult and should be able to change or avoid your bad habits if you realize they’re detrimental
Yeah this used to drive me mad in school. Entitled brats, usually boys, who attack teachers and students and destroy school property and verbally abuse people and they weren’t held accountable because they were “disabled” but being disabled myself, and having worked for 10 years with disabled people, they only reason a disabled person is loud is when something is wrong, or when they are excited for a special treat (like a concert).
Y’all don’t give people grace for anything nowadays huh. If she’s using it as an excuse that’s different but that’s a real challenge for some people. Ease up!
I empathize with everybody right now because consumerism has completely destroyed our generations money etiquette. It is completely gone. You will socialize with people and they will sit there and justify throwing money out the window. And when you sit there and tell them how the logic is flawed they just say I don’t care. Another aspect and I’m saying this with so much kindness in my heart is the main people I’ve witnessed have this behavior are people who didn’t grow up with much money, so how they perceive going out to eat shopping all of it is significantly different than somebody who grew up with some amount of money as they know certain actions this shouldn’t be really tolerated or done . My heart goes out to a lot of people right now they’re being exploited so bad.
I have resonated so much with this story. Because everything she is talking about is what I'm going through. Another issue it has made me realize is how it turns your passion into a burden. And you begin to resent your job.
It's really sad because if anyone deserves that lifestyle, it's nurses , doctors , firefighters ect... I can also imagine how shopping might be their little way of getting serotonin after these long ass shifts. This is just sad. I wish her luck ♡
@mephistopheles4910 when I say deserve , I don't necessarily mean letting oneself fold for everything they want on a whim but more like the " luxury " of being able to afford waaaay more than bare necessities. I know meritocracy is a lie , but if it wasn't, people who offer such services would be at the top of my list . Again... I'm not American so it might be a culture difference. Just my opinion.
I am a CNA as well as a nursing student!! My hustle made me over 6 figures this year. If I do not have it in my account to pay off immediately, I won’t purchase it. I have paid off over 20,000 of debt with nursing school debt included.
I'm an RN and have been one for 30 yrs. I do not make 6 figures and never have. I have 8 children and still have 3 at home. I have been a single mother for 16 yrs with no help from either ex-husband. Attorneys are expensive and to go back to court to make my exes accountable was more than I could afford. I'm 60, and I will be 61 in 7 days. I have 2 special needs children and am getting no extra income for them. One is still in high school. I live paycheck to paycheck. I get paid next Friday but I have - .02 cents in my account today. I drive 60 miles a day for work 5 days a week. Gas is expensive. I work for the VA as a mental health nurse. I have a car payment and a mortgage. I don't purchase expensive things. I don't subscribe to streaming channels, movie channels, etc. If it wasn't for "bin stores," Christmas would have been without presents. I have ADHD and was diagnosed with Aspergers in my mid 40s. I will never be able to retire and can see myself being single and working until the day I die.
@missmewness and my response is to your comment that you removed about "having more children than you can afford ", btw. At least I saw it before you took it down.
Try to remember to live your life, though guys. You can do low buy, no buy, whatever...but at the end of it all, please make sure if you can afford it, spend money on stuff that makes you happy. Saving it all or spending it all isn't really living...
I literally was going to your channel to watch your newest video and I see MY FACE🤯 First off, I want to say THANK YOU for making this video. Not for me, I could care less but to show people my stupidity and mistakes. I graduated from nursing school during the panini August 2020 and had to retake the NCLEX 5x until I passed. Most of my credit card debt was paying the testing fees and then it snowballed into depression spending in between.
I take all the accountability in the world for my decisions up until now. I have been in therapy since October working through my trauma because I know that my mindset is the root of my situation.
I appreciate everyone truly. Reality has settled and I am LOCKED IN🔒
Wishing you nothing but success and a happy, prosperous life!
Sending you love and light ❤️
YOU GOT THIS GIRL!!
Stay strong you’ve got this !❤
You are so welcome, I am wishing you all the success on your debt journey!!! There's not a perfect person in this comment section, INCLUDING ME. We all do things we likely wish we didn't. We are all human, what's important is what you are doing about it now. YOU GOT THIS!!! ❤️
As the old saying goes, if you can’t handle $100 responsibly, you can’t handle $100,000. It’s sooooo true.
💯%
I could handle $100 because I could feel it. Credit cards are dangerous.
I’ve never heard that saying but I see why it makes sense. Both amounts of money can do a lot depending on how you view it.
Totally i have $6k debt in credit cards. And I’m telling you i have been STARVING in order to pay ,. And all it’s interest 😢
This is not true for her case. She’s over compensating for her WEIGHT she tried her best to not say it directly but at 2:17 she alludes to exactly that. With social media and pattern recognition most people will notice that if you don’t have a certain look then you have a certain lifestyle to attract a viable audience.
She needs zepbound and gentle workout routine that elevates her mood and calms her mind (such as Pilates, barre, long walks in nature) - and share that experience on her page instead.
Her debt will come down because she will shop less (this is an anecdotal experience that is being reported by MANY zepbound or other glp1 users) and she will get the body/look that she wants. She also has moon face and major inflammation both can me managed with glp1s and lifestyle.
She could also do it the “natural way” but since so many people lied about not being on it since 2010.. i can’t trust that “natural” weight loss exist anymore
I was in over $15,000 in debt. I refused to go into 2025 with that debt on my shoulders. So I hustled my butt off and paid it off. I'm so relieved to not have that weight on my shoulders.
Congrats
Congratulations!!!! 👏🏾🎉
I got a $280 car payment. But in order to get this I need to pay off half the note in the first six months. I’m on schedule but it’s tight!
Yeah im only 300 in debt but im paying that off in January 😂 even that makes me feel like i messed up
Good for you.
"Debt makes you a prisoner to time" - nice turn of phrase! It's indentured servitude that you sign up for yourself.
Many indentured servants did so by choice.
Between 1/2 and 2/3rds of Americans were indentured servants…
@@AmericansikkuntCreditcard facilitated lives us such an American thing. In my country you are not allowed to pay certain debts with credit cards. You can definitely not pay kne creditcard with another. You can so quickly fall into creditcard debt.
@arh1234 the only thing a person can buy that can't be repossessed is an education. It doesn't have to be college, it can be a trade program, a mentorship, etc. Once you learn something, no one can take it back from you.
Indentured servitude is there by choice one…I think you’re thinking of slavery which yeah, feels the same but isn’t by choice. I would argue they were still manipulated to think it was necessary at 18. how else do people go to medical school? Debt is universal there. at least for some years, everyone has it.
*YES*
Wow! I grew up poor, no lifestyle creep. Im an RN. Only debt is mortgage, paid off car, savings, and investing for retirement. Im able to help my family. Im so glad I learned not to keep up with the Joneses, the fads, the trends. If I spend, I spend on experiences.
experiences are so priceless!
Your definitely live and learn when it comes to influences
For me if I spend on something I don’t need, I have to be getting it on sale on top of using a coupon because that’s the only smart way to do it in this economy.
Right growing up poor really has the lot of us in right mindset! It’s also the reason RUclips is my only social media platform 😂
Literally same here but I'm buying a house in a year so it's rent for the mean time
I’m a nurse(RN) of 4 years in one of the most expensive cities in America aka NYC (Brooklyn to be exact). Within these 4 years of working as a nurse, I managed to pay off 50k in student loans, 30k in car payments. I just bought a house in NYC. Down payment 20%. I did it all by myself. I’m not saying any of that to brag. I’m saying this to say a lot of people truly don’t have financial education. Yes I make more than the average job, but my money management is the key to my financial success
This is very inspiring, thank you for your input ❤
Where did you live while you did this? How much was rent? Do you have any dependents?
@@ayo623 I rented a 2 bedroom apartment. 1900/month
@@ayo623 my apt is 1900/month in Brooklyn. (I had a Covid deal). I have no children, not yet married.
@@ricana1160right a COVID deal. You’re leaving out that you took advantage of COVID perks to nurses such as raises and generous travel nurse packages. That’s a large reason why you’re able to live such a life in NYC
She actually has a "product" that people can definitely relate to right now. She can chronicle her journey of getting out of this debt and sharing the lessons she learns along the way. Then once she comes out on the other side financially, she can then shift to how to remain debt-free. Because she’d be actually living what she’s talking about, that would make her authentic and relatable. There’s a lot of potential here for her to be a successful content creator if she shifts her perspective.
I def agree!
I was thinking that too!
Yup, it’s not always the go to’s that everyone assumes.
That’s not appealing to companies though. They want influencers who spend and promote consumption. She won’t make much just talking about getting out of debt. No companies will sponsor her.
Oversaturated market
It’s crazy how less than 100 years ago was the Great Depression, I remember growing up, my grandma washing ziplock bags, reusing every jar and container, etc. and now we’re in this over consumption society. My grandma is still alive today, she would probably lose her marbles if she knew what was going on in society now days. I have tried to move towards a more simple, less consumption life myself.
I hear you!! My grandparents & great grandparents would be so appalled at all the single use, disposable items & waste going on in our world today.
Dude, my Granny would bleach the styrofoam trays that meat came on,plus the styff you mentioned.
Those who lived through the great depression NEVER FORGOT IT! Granny died with 200k in her savings account (a lot in Oklahoma) and a deep freeze full of jarred and canned vegetables.
Granny would also lose ger mind on us at the buffet after church. If we didn't completely clean our plate, we couldn't go back up. Zero wasting.
We may be in those times again if things keep going the way they are
Hmm I am still reusing my pasta jars, tupperware containers and rewash the ziplocks..and I am financially comfortable😂 I think struggling with money in the past taught me how to be practical and consumerism savvy. I’d rather buy a bit more expensive product with exemplary quality knowing it will last years down the line.
I am definitely going on a low buy/no-buy year in 2025. My goal right now is to declutter a little bit more and just focus on enjoying all the things I already have. I know this will be a little bit hard because I am a natural born shopper but over the years the desire does lesson more and more. You just reach a certain age where you have pretty much everything you need and you just wanna start being able to focus on other things and relax. I think that the anti-consumerism and the no buy trend is absolutely going to be a good thing for a lot of people! Good luck, everyone!
Well it will also be good for the enivionment. Everything you buy will end up in the trash some day. But yea you get into your 50's and 60's and realize you do not need all this stuff.
Same but also I plan to do a lot of home renovations so I’m a liar
That's the key. Be happy with what you have.
Take care of what you have
Make it last longer.
Tell them teenagers to get them jobs. Shovel snow for people, baby sit the neighborhood kids. Save their money. Buy their own things and see how far the dollar goes. Dose of real world expectations
What helps with this is being poor.
But if you can’t be poor you can pretend to be by going into Walmart but bringing no money or only $15 in cash.
The goal is to walk out without buying anything.
I’m currently poor and go to Walmart a lot, but since I’m poor I can’t buy hardly anything.
When you have $5 and really need soap for $6, that’s when reality comes into play.
You tend to spend less and pick and choose what you actually need.
You can’t buy $11 in plates or $20 in foundation.
@@JAM661 AMEN!! That was what I was going to say. I found when I turned about 50-52 yrs old I just DID NOT CARE about the latest & greatest CRAP out there. And I found out, oh boy, did I save money. Also, I QUIT going out to eat too because I found a lot of places didn’t take care in how they made their food. 3 tries is ALL they got from me. It does FREE UP THE STRESS LEVEL!! 😎
HAPPY UPCOMING 2025!!! 🎉 ✌🏻
Instant gratification is keeping a lot of people broke.
Spending money they don’t have to keep up with the joneses aka influencers/celebrities/idols, when even some of them are posers who don’t got it like how they like us to believe
Not having an emergency fund is an emergency. I made great money but never paid attention to where my money was going. Then I got sick. I was 35, had to go on disability with little pay and a $20k medical bill and I HAD health insurance. Then, my roof started leaking and it ended up being a massive home repair : roof, siding, deck, all had to be repaired or replaced. Then my son was diagnosed with a lifelong medical issue. For me, it wasn’t about shopping or social media, I didn’t have a budget or plan or savings. I’ve been digging myself out of a hole since then. Have a budget and an emergency plan people, you never know what will happen.
Its disgusting how one medical emergency can force ppl into debt. I was inbetween insurances just as I got Covid which caused bloodclots.
I saw 2 specialist, got a MRI, heart sonar, stayed a week in highcare, 3 days in normal ward, got 2 units of blood & it did not cost me a cent at a public hospital.
Emergency savings is a must in America. I cannot even imagine.
I think ideally most people want that but realistically it’s not possible, it’s not in the budget even if you absolutely wanted it, it’s like life insurance we know it’s important and that we need it but simply can’t afford to add it in the budget
I have an emergency fund but no way is it going to cover that kind of situation. That's genuinely a life-changing event. A six month emergency fund would have helped in your case but it would be a drop in the ocean compared to what you actually needed to get through stress free.
I am JUST now getting myself out of the same hole! In 2017 I was a 27 year old single mom and bought a house. Paid my car off before closing. Father's Day, June 2018 I broke my foot on the job as a delivery driver and went on workers comp. 5 weeks later on July 25th my mom was driving myself and my son who was 3 at the time back from my grandma's house a couple states away and we got hit by a semi. I was on shoot term disability right after my work comp ended and the whole thing was 9 months of only 60% of my income at the time.
I had a truck I bought in March of 2018 and could afford at the time I fell behind on and was sued for non-payment. After settling my accident case with our lawyers, I lived off that for 6 months while taking care of my mom after her 3rd and 4th back surgery after massive infection complications with her first (after semi accident) and required around the clock care with IV antibiotics.
Then March 2020 I was getting hired at a medical delivery company and that got haulted because of COVID-19 lock downs. There is a lot more stuff involving addition and credit card debt i don't even want to get into right now because it's so much.
Now, _nearly 6.5 years of HELL,_ I have a 3.5 month emergency fund, a couple grand in a retirement account and I'm rebuild credit and paying down student loans. Not having an emergency fund is absolutely an emergency because life hits hard! I'm 34 now and honestly thankful for making it out to the other side and seeing the error in my ways even though I was never one to over consume or a big spender.
@@Draggonnyread my story above this. 6.5 years of hell i went through
My husband is a fully licensed physician. He has over $350,000 in student loans. While we work to pay that off, we drive 15-year-old cars, and live on around $4000 a month (which is definitely more than some, but it's not that doctor life that everybody imagines). Of the average medical bill, only 6% goes to the physician, if you're complaining that doctors get paid too much you're complaining about the wrong area of healthcare. If doctors worked completely for free, you'd only get a 6% discount. People don't even consider that a sale. Get mad at the administrators and the insurance companies!
Exactly. Yet these Health Insurance CEO'S and shareholders wonder why us regular people who are struggling don't seem to care when one of them gets bumped off.
👏🏼👏🏼👏🏼 I’m grateful for my physician and I it’s definitely an insurance etc problem
You're absolutely correct. I had to have a second Dr surgery to fix the first Dr eye surgery. My insurance knocked his bill down from $55k to $4k. He should have been paid in full after saving my sight- instead of the first one! 😕
You so right it's because these companies and hospitals put such large mark ups on the medication and yet the doctors get a drop in the bucket of all of this money being made
The hospitals leech off of doctors and nurses. Most hospitals aren't owned by medical professionals. They're own by investers.
As a healthcare worker I am telling you. We are not rich
When I see nurses buying tons of designer I know they in debt and live on over time as a nurse ur not rich no matter what these influencers tell u
I know it it's not always about the job. Many times it's more about money management. Good money management with a high paying salary Is the icing on the 🎂
We make more money than most of the average Americans. We are NOT rich, BUT we definitely aren't broke. It's all about money management.
My daughter is a hospital RN and she makes more in her second year post graduation than my husband who has spent 20 yeas in the Army. She makes an excellent living in a low cost of living state. She lives on her own, owns her car and has over 20k in savings, zero debt and she just turned 23. I don't know what you are defining as healthcare workers but nurses can make a great living if they are willing work in the hospital. She is not rich but she is very smart with her money and she knows how to say no to herself.
One at my assisted living facility drives a new Tesla and his scrubs and shoes always match😅think he travels
Im so glad I got serious about my debt a few years ago. Took me a minute to get on the saving train after a year of kinda spending on whatever I wanted- as long as it didn’t out me in debt.
Now I’ll save 15k in the next 10 months. Yay emergency fund
I'm so happy for you 💓 You never know who you are inspiring with These type of comments. I wish you all of the success
Congrats to you!
I hate what social media has done. She has an admirable, altruistic, life saving career & she wants to just be a popular face. She wants to be known. I wonder if she used to want to help people & social media warped her mind. This breaks my heart.
I've been an RN in CA for more than 15 years. I don't have a second job, a side gig or pick up overtime. I drive a modest car, and live in a small house. No debt, mortgage paid off, and max out my 401k and roth. I also have ADHD, but I get obsessed with living within my means.
Good job, you’re doing it right and being smart about your money 💸.
You likely make 3 times more than most RNs in the USA. So..
@@LizzieMagzsure, but keep in mind that little, daily choices shape who we are in the long run. Good habits, when you start early, have a massive payoff in later years
@cinthiaham1517 Dont act like getting paid $25 vs $75+ and the OT options are the same thing. This has nothing to do with habits and everything to do with income level.
Proverbs 22:7 - “The borrower is the slave to the lender”
Be careful of debt, life happens and debt is something that will consume us if we’re not careful with it
I was 25k in CC debt earlier this year (never buy a house without an emergency fund, friends) and started watching you, Caleb Hammer, and some de-influincing underconsumption creators. Now Im ending the year with no CC debt, emergency fund building, and plans to pay off my car early.
My parents may not been able to give me birthday parties or any gifts as a child was upset about that. But as i grow up and started working and handling my finances i realized they gave me the ability to save money and not spend on unnecessary wants and the biggest one i am DEBT FREE and i grow more thank very day and every video like this i see
She already has a youtube channel, she could use it to showcase her paying off the 20k in debt, Ppl love to root for others.
"the underdog".
And as a nurse, she could talk about health issues or give us the scoop of what it's like to work in the medical field.
@@paintitblack9712 I agree!!! ❤️
"Content creator" dream chasing is just the same as living beyond your means and Keeping up with the Joneses. I'm not moved by her tears. She has a genuine career but looking for the next best thing. Social media isn’t real, people!
A career that may be sucking the life out of her. Nursing pays decently well but it's not easy by any means, and it's easy to burn out.
@LulaMae21 Then pivot. Every nurse isn't patient-facing. There's so much that can be done in the medical field. I mean, it sounds like being an influencer has sucked more out of her than anything else.
I completely agree. She strikes me as a person that wants all the privileges of an influencer, like free makeup, skincare, free trips and parties but hasn’t succeeded yet so she’s mad about it. And she’s also in debt, probably trying to live a life that’s not in her reach, and she can’t accept that. I don’t feel sympathy for her cause I don’t think she’s genuine in her words, that she wants to change and I think she just says it for the sake of going viral. The real change happens behind the scenes. Yet she still craves the life of an influencer, which we all know is filled with overconsumption, following the trends and trying to stay as relevant as possible. Crocodile tears. Very mixed feelings about this person
I'd love to know the stats for how many people who try content creation are actually able to make a living from it. It's just not a realistic dream for the majority of people. It might sound mean but not everyone is exceptional or charismatic or interesting. You need at least one of those things to be famous.
Things I will not be buying in 2025:
1) Skincare (I have enough for a year)
2) Haircare (extensions, weaves products)
3) Féminine hygiène products
4) Shoes
5) Workout clothes (until I lose this weight)
6) Perfumes (I’m done)
7) Cleaning supplies
8)Kitchen stuff (I swiped my credit card at home goods 100times buying Dutch ovens, kitchen gadgets, bakeware to start a cooking channel, never did) 😢
9) no eating out. Unless it’s for an outing with someone. I doubt they’ll be anyone.
10) No household decor.
Infact, I will not be stepping foot in any clothing store. Especially Marshall’s. Tjmaxx, Burlington.
My monthly subscriptions have all been cancelled. Spotify, Netflix.
Oh I was planning on buying a new car next year. I will be fixing my 2007 dodge caliber, driving to work and back home.
Most importantly. I will be spending more time with my Father in Heaven. I am choosing riches in spirit. On rich in debt. Pray for me.
I love it!!!!
Amen!!!!
🙌🏼🙌🏼🙌🏼
Loving ALL of this ❤❤❤❤
I’m with you but explain 3 and 7. Do you use a menstrual cup that would eliminate the need to by pads etc? Do you make your own cleaning products?
I'm 43 and got out of about $15k in credit card debt in 2024. I worked my FT job but added a PT job at a doggie daycare (10-30 hours a week) and started petsitting. ALL the money from the daycare and petsitting went to debt. I started in Feb 2024 and was debt free by Sept 1 2024.
It was a lot of work. I was constantly running from one thing to the next. I was exhausted. Sometimes the dog daycare shifts started at 5:30am. Sometimes I was finishing petsitting around 10 pm. However, I know it would be a lot of hard work to undo what I did in the past so I just committed the time, put my head down and did it.
I feel so free now and it's exciting to just sock that money away for an emergency fund and the future.
I'm amazed at how much debt was holding me back from my own future.
I think the mistake she made is not understanding that most of the successful influencers get the products they promote for free from the manufacturer. The influencer then makes a sales pitch by trying to be relatable. That faux relatability seems to be working on a lot of people.
Also a healthcare worker. Im glad she admitted its all about her keeping up with the Jones' and lack of money management. We who work in healthcare work hard but no we are NOT rich. Ive realized that for most, luxury lifestyles are all a show for social media. Lets all come back to reality and the real world.
Love this ur so right!
I’m a nurse and I’ve been practicing 9 years. I myself went into debt buying things that made me happy momentarily, eating food that made me gain weight, and just over spending in general to compensate for my traumatic job. (I worked in the jail settings mainly, now I do Homecare) I had to find balance in all aspects of my life and I wish I could tell all nurses to pay for therapy with that OT money and stop buying stuff you don’t need or want. At least travel if you want to drop money, spend on experiences. Life is too short and before you know it you’ll be ready to retire with no savings. Start now today. Start with a penny if that’s what you can afford today.
Oh snap you just inspired a blog post thank you 😂❤
Thank you SO much for linking her social media in the details. SO many content creators do not do that and it's so wrong. Not only should they be credited, but many of us would like to follow them. Thanks again for the hard work you do in putting your videos together. The hard work shows.
She’s very honest. Not many people are
Thank you right. I work with a lot of broke ass nurses lol their lives are lavish online but they tell me all the time they're paycheck to paycheck.
@@Ms.MD7 same here! i work with alot of paycheck to paycheck nurses. they all make over 92k a year minimum (starting rate for lowest RNs positions). they always be inviting my to go join them for group dinners are these nice restrurants. i always make excuses not to go like telling them theres a 8 peices for $5 fried chicken at ralphs/albertsons/stater bros i dont want to miss out on , so i cant go 🤣
Please a lot of us are honest
I have been slowly crawling out of $20k+ cc debt myself and it has been hard. I watch a lot of personal finance videos and when I found out about taking free trips with cc points I got really out of hand with it. Majority of the debt went towards our wedding and home Renovations, and about a year later now the debt is down to $8k. Plan to have it fully paid off by May 2025. Never again, lessons learned!
Periodddd i finally have just one loan to pay instead of 5 credit cards and now i know when all my debt will be paid off instead of always making minimum payments for multiple cards for YEARS. Its so toxicccc
I'm working on my 2025 budget and cash flow plan now. I remember having to plan to go see a movie premiere months in advance because finances were so tight. I wasn't taught financial literacy and I made too many mistakes in my 20s. When I sat in financial workshops one thing that stood out was that a lot of people don't understand the difference between debt-free and bill-free (no such thing as having zero bills). Even with my house paid off, I'll still have to pay utilities, maintenance, and taxes. Billionaires have bills too - that yacht needs fuel and that mansion needs electricity. So people give up because their idea of being debt-free is erroneous. Great video to bring in the new year
Very valid point
About 5 years ago, I graduated from a top 3 nursing school and got my first job making…$23/hr. At one of the top hospitals in the country. Southern and rural hospitals pay terribly. A lot of us are struggling like everyone else!
Yes we are and nobody understands but other nurses
That's terrible. I graduated a decade ago and was offered slightly less than that in a smaller hospital in SC. I make a good bit more now but not enough to afford a house of my own because local home prices have jumped 60% in the last 4 years and my pay absolutely has not. 😂
Interestingly, it's flipped for primary doctors. They get paid much more in rural areas than they do in larger cities like NYC and LA. Healthcare workers are so critical to our society and I hope you're able to get higher pay in the coming years
I’ve paid off 36k of personal loans and credit card debt this year and am set to pay off my last debt which is my car loan in February of 2025 for a grand total of 43.5k of debt paid. I’ve never felt lighter and more at ease. I will embark on a massive savings journey next year but it’s so nice to see all of my paycheck go to me and not banks and creditors.
I paid off $18k in debt throughout 2024 right when I turned 30 years old. My debt was due to a divorce in late 2022 that threw me off a bit but I eventually got back on my feet. Now I have one credit card and my policy is, if I use it, I make a payment that same day. It’s working so far and I love feeling debt free.
Congratulations hard work pays off. Not like these women who like to put their business on social media. Im sorry but I don't feel sorry for them.
Lifestyle creep is so real for nursing culture, especially in California. I don’t own designer brands or a nice car and have felt somewhat “un-cool.”
I’m an NP now and paid down student loans for my RN after the first few years and got my masters half paid-for through a service grant while in school. Budgeting for the student loans and car debt, and supporting my then-med-student husband wasn’t fun. But I grew up thrifting, still buy as much as I can secondhand, cook at home, and budget vacations well in advance. The mental toll of healthcare work and looking back working through COVID, are all factors to consider because nurses make good money but it’s not easy work.
How much was your BSN debt?
I can admit, I am not financially literate. I like to think I am but I’m not. I make over 6 figures and am in debt. I felt everything she said. All I want right now is to be financially free for my baby’s future. And I’m starting really late in life. But it’s never too late to start.
Whoa whoa why so much shaming? I too make 6 figures w debt and am doing better financially every single day ❤
@Doobadoobaa I think they already know they have a problem, so your comments aren't helpful and only rude. You aren't better than them and you don't need to speak down to anyone. You have your own things you need to work on. We all do. Try to be respectful if you can't be nice.
@@Dustbunnybaby I think you can go back to first grade with your mentality and maybe even take an economics class with these folks 🤣If a 18 year old can do it so you can you buddy!!
@@Doobadoobaa...you must be bored. Have whatever day life decides to give you. ✌🏾
👍
These are “I just watched financial audit and realize I have been wasting my hard earned money on taquitos” tears. I wish this person the best… this is hopefully the first step to realizing your problems and taking action to do better ❤
My sediments exactly 💯 😂 I can hear Caleb now reading through her credit card statements:
_"Amazon
Amazon
Starbeez
Taquitos
More Amazon
Chick-fil-A
AND AT 29.9% INTEREST RATE OF DEATH!"_
@ 😂😂the financial audit to social symone pipeline lol!!
Lol the taquitos lol 😂😂😂
As someone with type 1 bipolar, manic episodes can mean major impulsive spending moments/sprees. I keep a tracker of ALL purchases, photograph my receipts, and watch my spending. Sometimes, catching myself by checking off the little "Impulse Buy" checkbox in my tracker brings me that moment of awareness I need to do better. I think mental illness and neurodivergence can make being money smart hard, even for someone with financial literacy. My parents and schools did a good job teaching me smart spending habits, and I am aware of them, but I still make mistakes. I hope this lady talks to someone for 1) her finances and 2) her mental health. Financial troubles are so painful.
This is off topic but I’m loving your sweater! It’s a great color on you!
Thank you so much! I'm glad you like it! That was very kind of you! ❤️
@@SocialSymoneand your locs are beautiful!
I’m a nurse and for the social media hype that they say nurses make, I’m nowhere near. I live in NC which is pretty poor for RN pay. I am so thankful I can pay for my apartment, my maintenance bills, school loans, food, and to buy things I like here and there. Forget designer bags and luxury trips, because I would cry if my car broke because I can’t afford another major bill like these crazy car payments. We work so hard and it’s easy for healthcare workers to emotionally spend to make up for the stress with work. I’m victim to it and am trying to work on it or at least find another job that doesn’t make me want to spend money to make up for my unhappiness with work.
I am an Rn case manager in SC the pay is not the greatest so I understand
NC is definitely not the best for pay. I once got into an argument online with someone citing national statistics because I make like $20k below whatever the average is and they didn't believe pay is low in some areas lol.
I truly understand where you’re coming from. It’s the same situation in Texas.
You really don't NEED a lot of material things. My husband and I saved 50k in two years and still travelled a lot, but we heavily prioritize. 10 year old car, cooking mostly at home. Our christmas presents were a small board game and a vegetable slicer. IVF and wanting to buy a small home in the future takes priority and its fine!
Good luck on your journey.
I wish we had financial lessons at school. Im 54 now and trying to get rid of debt. But honestly looking back i wish i knew how to make better choices.
@@Doobadoobaa Economics doesn't have much to do with financial literacy, and I wasn't offered an economics class until college.
A financial literacy class in high school would be invaluable.
This is an example of folks not content with their lives. She has dreamed of being a content creator when she is a nurse helping folks. She has spent money she did not have to live a life that she dreams of wanting. She is not alone. So many folks are just unable to find contentment in their lives. If anything that is the main thing folks should work on-Mindset and Contentment.
Instead of comparing themselves to their past selves, people compare themselves to other people. That's an unfair thing to do because everyones circumstances are different. I completely agree with you about the aspect of "contentment" in life. I think not enough people practice and vocalize gratitude; there would be a lot more contentment with what people already have if they vocalized their gratitude.
I have always been careful with my money because luxury for me is financial security as opposed to deaigner brands. For some reason wanting financial security makes me "stingy" and "cheap" but going into debt and stressing about finances every month while having a fancy car and fancy handbags is more acceptable socially so i can understand why allot of younger people are pressured into spending rather than saving.
Yet another example of "it's not how much you make, it's how much you keep."
I was a bedside nurse for 10+ years (have since moved on to other things), there were sooooo many people falling for social media marketing, MLM products, general consumerism (wasting money on crap they don't need -Lulu, Stanley, Figs scrubs, etc.) in addition to buying (financing/leasing) cars out of their price range and luxury goods (mostly bags). Sure, they looked like they had money, but they were constantly complaining about how broke they were because it was purchased with debt.
My father taught me that if i dont have the money for it, i dont need it. I do not have a cc.
I own my own car - i take care of it.
Own your car if nothing else
No one can come take it if you lose your income.
I’ve been a nurse for 8 years in Florida and we don’t make as much as people think we do. Even with 8 years experience I am not making anything near 6 figures. The pay in Florida is especially bad because the price of housing is expensive.
I got out of most of my debt in 2024. I still have a mortgage which is debt. I hope to start tackling that full force in 2025. Now credit card debt I haven’t had in a long time. It was the hardest habit to break carrying balances. I had to stop using them altogether once I cleared the debt until I could change my habits. Now I can use them and pay them off before the statement each month (never carrying balances).
i had this problem two years ago. what helped me with overconsumption was learning about how people are worked to death to assemble the products people are going into debt for. it radicalized me, now I haven’t bought any new clothes in about a year and some change.
Part of our problem today is that we have begun to think of things that were historically luxuries, as every day necessities. You don’t need new clothes every month, doordash is not something you need, 10 streaming services every month is excessive, new cars, perfumes, jewelry, home decor, all of these things are luxuries!
There’s a basic misunderstanding about income. After a certain point, your income doesn’t matter, how much money you have at the end of the year matters. If you make 50k and have added 5k to your savings you are much “richer” than someone who makes 100k and has added 10k in debt (in this example the 100k person ends the year with 15k less wealth than the 50k person).
8:41 she needs to not blame ADHD cz I have it n I don’t spend money recklessly.
I grew up in a very frugal household we never were allowed to go on vacations or buy things we liked because my dad was such a saver anyway he could save money he did, to the point we even reused paper towels (he still does this to this day) I think he thought that this would make us financially responsible but it did the opposite for me, as soon as I got a job and money all I did was blow it buying whatever I wanted because for once in my life I could. I am still struggling with this because now it has become my only coping mechanism with anxiety stress and depression. This year I’m hoping to make smarter financial decisions and actually save and find better coping mechanisms!
Atleast you already have a solution. Treat your deoression & anxiety with better coping mechanics so you are halfway there.
You are spot on. A lot of it is financial literacy.
I’ve seen this with folks who originally came from a low-income background, then all of a sudden, they’re making $80-100K, which in their eyes is a lot of money. However, they think that at that income, they’re “rich”, so they’re living large, even going into debt to do so.
Also, people who hear the “success stories” about social media want to get in and be that next social media star. However, many of these “social media stars” had a head start - they came from money/family member has money so they have a safety net or they were already a celebrity in another genre so they were coming in with a healthy audience. For the “social media stars” who started from nothing, it took them YEARS before they made it, and they sacrificed and scrimped to be able to do this.
I know it’s hard because I was there. I had 20k debt but I made a plan and it took 5 years but now I’m not in debt anymore. It took me not buying anything for myself and putting everything I have in my credit cards but it can be done. I promise
It’s always the car note that gets people. My husband and I both agreed when we got out of the military that we would be debt free, so for a year and a half, we aggressively put basically double payment on our car and paid it off in 4 years opposed to the initial 6 years. It was hard and we’ve decided to never buy new again. I would rather save for my future and the occasional vacation than keeping up with others. 🙂↔️
I love the positive way you discuss recovering from mistakes. Makes me feel empowered to make better choices.
I was taught young, about taking care of money.1.never owe more than 25 percent of ur check on bills.2.always save another 25 percent of ur check,and the other 50 u have free if need it, if not put in saving.3. ONCE I STARTED SEEING MY SAVING ACCT. GROW I WAS A HAPPY CAMPER
Simone, you are always the admonishing voice in my ear that let me reflect my spending habits. Thank you so much!!
I finally figured out why I like these types of videos from you. I love the financial literacy education, I love the way you present information, but mainly I like seeing rich people being stupid. 😅 Apparently I am not a good person. 😂
My wife is a nurse and she’s very financially literate. We’re doing pretty good, we’re not big ballin but we live comfortably and she paid off her $20k student loan.
“We don’t always have to leave the country to have something nice around us” 🙌🏽🙌🏽
Watching these videos make me appreciate myself so much. I’m not too frugal but just enough to handle cc debt- I don’t have any. Also my only debt currently is my mortgage and I want to keep it that way.
My debt happened for a lot of reasons out of my control (ie: cost of living, low wages) or felt out of my control (ie: trying to keep my ex happy so our home can be "peaceful"), but also things in my control (indie nail polishes, book subscription). I'm in Canads but I think other countries have something similar. I did a consumer proposal in May 2024 and my life is so much nicer, I have more money and I have no credit card. Instead of paying almost $1000/month for interest to continue to destroy me, I pay $320/month, with no interest, for 5 years to pay off the half of my debt was forgiven. I have to rebuild my credit after but I have no regrets making this decision on how to manage my debt.
Although regular people make more money in today's society, we're also the most superficial and targeted buyers.
It's so weird that not growing up with money has made most people less respectful of it because they're trying to heal childhood wounds through it or simply prove their worth through it.
-- it's how much you keep
"That life" and overconsumption are real. I was there many years ago and in over $30,000 worth of debt. I had to buckle down and get my life together and this is on how I started cash stuffing. This is exactly why I started my channel because I want everyone to see how budgeting, changing your spending habits and saving can change your life dramatically.
I don't always think to comment, but I wanted to say I really appreciate how you showed compassion but also didn't pull punches when talking about this situation. I see some other videos that seem to focus on calling people out without talking about the larger issues at play. I appreciate the nuanced takes you give in your videos.
I’ve just had influencer burn out. Having the new new might be great & all, but I like having my bills paid, a roof over my head, & eating well at home. I get anxious swiping my credit card periodt - but it’s always on a well thought purchase that’s a need, which I’ve saved for or bills. The travel miles I’ll get will be used to visit family.
👏🏾👏🏾💯
Can't wait for this one! I know a lot of nurses who either say they're broke or live like they are. Cost of living is high here but like, I know yall doing something wrong.
What did you think after seeing the video 👀
This i know a very successful travel nurse who lives with so much debt and issues makes really good money but has more then a dozen car payments every month can't outgrow bad habits
Your videos remind me the importance of being financially responsible‼️
I was recently diagnosed with ADHD as a 41 year old. The impulsive activity is real and been greatly reduced by medication. I had thousands of dollars in credit card debt from reckless spending and not understanding finances. I started watching Financial Audit last year and I've paid off the high interest cards . She can get out of debt, she just has to prioritize it.
It took me being sick and tired of feeling sick and tired of having debt to finally get rid of debt (student, medical and consumer debt). I decided to sacrifice a year of fun (zero non essentials) to get my life back. All I did for a year was work (2 jobs), sleep & gym. I absolutely refused to acknowledge whatever money I made as mine, everything I made belonged to my debtor. I can't describe the feeling I felt the moment I made my final payment.
So many of my friends and family think I'm insane for living like a monk to pay off debt. But I highly encourage people to take the time to self reflect and understand that denying yourself wants to get out of debt is worth it. It's not forever, it's for a season that will allow you to regain control of your life and your future.
I appreciate her honesty, that’s the first step really is keeping it real with yourself and current situation
You could be on real low salary, it all
depends on how to budget. You can earn 100K a month and be in debt if you don’t track your spends. The fast food, interest accruing, clothes, smoking, not having emergency money - all choices.
The way you are responding and saying “uhh huh" while she explain ..... this is why I watch your channel 😂😂😂😂 4:40
@@IntuitiveTiff 🤣🤣 I love that too!
As someone with ADHD I'm tired of people using this as a reason for their stupidity. It's truly about taking stock of yourself, asking yourself honest question. I'm fortunate that I have a dad who's a financial advisor who tells me the nasty truth about my over the top ideas. It sounds like she needs to seat down and look at where her money is going, and then set ACHIEVABLE GOALS- like "safe $30 in 30 days". And once you've reached that goal, set it a little higher. Before you know it, you have a light at the end of the tunnel.
Imagine the amount of adhd who don’t have a parent or anyone in their lives to redirect them and even encourage them to go along with their over the top ideas and make these bad financial decisions. Yes, personal accountability has to come into play at some point, but a lot of people don’t learn these lessons until after they’ve fallen into these traps and are dealing with the consequences. It may be common sense to you because you’ve learned these lessons through your father who was keeping you grounded, but for many people they don’t know what they don’t know
Within ASD we have this phrase "If you've met one autistic person, you've met one autistic person" which means even though we all have the same underlying developmental disability, we are all different. Something you can manage with ADHD might not come so easily to someone else with ADHD. There are things I can do that other autistic folks can't, and vice versa. Do not judge others by your ability.
@@ashleyl.6898
I have pretty severe ADHD and I would still never put myself in $20,000 debt because I grew up with a parent who made decent money but because we were in such massive amounts of debts/payday loans we were living paycheck to paycheck. I think it’s funny how mental health has started trending on the Internet in the past four years because growing up I was always taught that using your mental illness as a crutch for your poor behavior is not going to go well for you long-term.
What’s crazy to me is that there are plenty of poor people out there who are desperate for mental health help but don’t have insurance or other reasons that prevent them from getting help but then there’s people making a ton of money and they use their mental health as an excuse when they have more than enough resources to go get help for their mental health if it’s even clinically diagnosed
I am upset I did not get a notification for this video! I am loving this topic!
Her transparency is commendable.
Becoming a homeowner and a mother over the past 4 years helped me take control of any debt I had.
Living within your means, paying off car and mortgage aggressively.. and never carrying over a month to month balance on CCs is the way to go.
Another point to make is that influencers that post products from luxury brands don’t actually OWN those products most of the time. They either buy it and then return it or brands give them the products for them to post. But if you did what this RN did, yeah- you would be in debt.
There was a influencer caught out unboxing fakes/ dupes. Others buy big hauls & go return it after they make the video. Plus others are sponsored by the bank of mom & dad or get given stuff by brands to promo.
Or rent them out or buy really nice dupes
@@lovelydiva06 oh yeah! absolutely
I so wish Financial Literacy was taught in school. From kindergarten through high school, Just like reading, writing and math. You are immerse in it as a requirement throughout your school years.
Think about how much money they will lose if they taught this stuff. But I said the same thing now I’m obsessed with personal finance and my debt free journey.
@GySgt213,Why can't parents teach that to their children? My parents taught me and I taught my kids,why do people expect the schools to each their kids everything like teachers don't have enough to do,I guess the only job of a parent is have the kid and it's the teachers job to raise their kids,sad way of thinking now a days.
@@barbaranymiel3089literally !! If people are not prepared to teach their own children- they shouldn’t have children until they grow up in the real world
@@barbaranymiel30891000% people depend on the education system to teach this but it starts at home- if they are not productive- maybe the child shouldn’t live there.
Who said parents can't teach their kids about finance and that schools should teach everything. Parents also teach their kids to read ane write. Should schools not teach those subjects to avoid your everything pointless complaint. Jeez dude.
I’m an RN I make 82k but I work OT and probably bring over 100k in PA…I’m comfortable but I don’t have kids and live in a house my bf owns so idk it’s deff cost of living vs were you live vs how you budget your money obviously career and earnings from that career increases it but still goes to show you life style creep can leave you broke no matter what you make
Edit: my first nursing job I worked a ton to get my student debt down and my consumer debt GONE and now I only have my student loan debt BUT I’m comfortable with savings and a retirement building and emergency fund so yeah I think nursing or any job that makes that same salary range is a good tool for money making lol just got to know HOW to use it
I'm glad that you not that student loan that out and got rid of that consumer did that is huge!!! Money is definitely a tool 💓
This is a wake up call. The underlaying reason for many highly paid people being in massive debt runs deeper then being a 'shopaholic' 😢 this is 💔
I loved your empathetic take on this - it’s not what I was expecting from the thumbnail. People’s relationships with money are very complex and her admission of a lack of financial literacy is very brave. The dopamine hits we get from spending and the normalisation of a lifestyle no one even aspired to when I was a child is a salve for a lot of issues, from loneliness, to inadequacy, to depression. New subscriber here 🙋🏻♀️🙋🏻♀️🩷
Last year I realized that I wanted a baby, badly, but being single, I knew I needed to be in a financially better situation before I could bring a kid into the world. I had a credit card with a low limit ($1,000) but that credit card was preventing me from actually saving money because I kept thinking I had $1,000 to use. Last November, I closed that credit card and a year later, I've managed to put away a significant emergency fund. I want to upgrade my car, but my (paid off) 2011 Impala still runs and isn't in terrible condition, so I've told myself, unless something happens, I'm keeping the Impala until my student loans are forgiven (I work in the public sector and am 8 years into the 10-year forgiveness thing).
$300 dollars to go on my After pay and I’m done I just finished my last Klarna payment and deleted the app I refuse to keep this cycle going in the year 2025
I stopped eating out in 2024 and lost fifty pounds. I was able to catch up on a ton of debt. 🎉
I’ve not seen your content before, but it’s brilliant, a mix of practicality, truth yet empathetic. Thanks for a great watch ❤
Do you think nurses earn enough to stay debt-free? Have you ever gone into debt to chase a dream? What’s your #1 tip for getting out of credit card debt? Also, what percent is your phone 🔋 on? It's 1:20 AM and I'm on 79% 😭
It depends completely on your certification and your field. My mom graduated with an associates in nursing and landed a career with a starting salary of $80k excluding paid overtime as a mental health nurse. her field does require her to deal with emotionally dis regulated people who can be dangerous but a vast majority of nurses do as well and get paid way less doing it. I hear a lot of people who are nurses talk about going into anesthesiology but I question whether or not there's any real demand for new hires. It's a nurses dream job but it's also highly specialized and I doubt there's a high turnover in the field. I mean, how many anesthesiologists does a hospital need in any given day?
I am not a nurse but based online regarding if nurses make enough, I don’t know. It’s a mixture of answers: I heard they make good money, I also have heard they live paycheck to paycheck and I also have heard a nurse went on TT calling out nurses for lying about their paychecks like how truck drivers be lying about how much they get paid. I guess it depends the individual, the location, their lifestyle, etc but then again you can be ANYONE over the internet! 🤷🏾♀️
My phone is on 💯 ❤
@sagittariushenanigansss exactly I'm sure the cost varies depending on where people live and what salaries they are able to negotiate. But as with any job, you can be in debt, even if the job pays. ❤ and you weren't lying about that last part!!!
@johnrivers3813 I'm glad that your mom was able to land the job! No matter what type of nurse I respect people in the healthcare field for helping people who are physically or mentally ill. ❤️ I have heard something similar about people wanting to go into anesthesiology also! There was a woman on CNBC "MAKE IT" who did everything she needed to do to become one in Florida, but she traveled back to New York to see her boyfriend, she was making WELL over 100 grand a year, which is why many people may want the job and I can understand that. Perhaps if someone has done the qualifications to become an anesthesiologist, they may have to move to another state due to the demand as you said.
I am a respiratory therapist in the midwest. After 16 years I am almost making what the starting pay for the average Respiratory therapist should make when I graduated. Also an associates degree for this. Apparently, Maryland, where I lived before moving back home pays a lot more than here. It is hard to support a family. It is nowhere near 6 figures.
I wondered how the other nurses are doing so much when I can't. Credit cards, they have been doing credit cards.
Why aren’t more people talking about Guarded Laws of Money Manifestation? It’s seriously a hidden treasure.
As a nurse with ADHD, don’t blame ADHD for your bad choices. You’re an adult and should be able to change or avoid your bad habits if you realize they’re detrimental
ADHD can be the reason but never the excuse!
@@beewest5704I’d say perhaps a contributing factor more than a reason. ADHD is way overused as a why for things.
Yeah this used to drive me mad in school. Entitled brats, usually boys, who attack teachers and students and destroy school property and verbally abuse people and they weren’t held accountable because they were “disabled” but being disabled myself, and having worked for 10 years with disabled people, they only reason a disabled person is loud is when something is wrong, or when they are excited for a special treat (like a concert).
Y’all don’t give people grace for anything nowadays huh. If she’s using it as an excuse that’s different but that’s a real challenge for some people. Ease up!
@@brittanyr1456 would be different if she didn’t try to use ADHD to blame her bad decisions
I empathize with everybody right now because consumerism has completely destroyed our generations money etiquette. It is completely gone. You will socialize with people and they will sit there and justify throwing money out the window. And when you sit there and tell them how the logic is flawed they just say I don’t care.
Another aspect and I’m saying this with so much kindness in my heart is the main people I’ve witnessed have this behavior are people who didn’t grow up with much money, so how they perceive going out to eat shopping all of it is significantly different than somebody who grew up with some amount of money as they know certain actions this shouldn’t be really tolerated or done . My heart goes out to a lot of people right now they’re being exploited so bad.
I have resonated so much with this story. Because everything she is talking about is what I'm going through. Another issue it has made me realize is how it turns your passion into a burden. And you begin to resent your job.
It's really sad because if anyone deserves that lifestyle, it's nurses , doctors , firefighters ect... I can also imagine how shopping might be their little way of getting serotonin after these long ass shifts. This is just sad. I wish her luck ♡
No. Regardless of how much you make, that "I deserve it" mindset will enslave you in debt.
@mephistopheles4910 when I say deserve , I don't necessarily mean letting oneself fold for everything they want on a whim but more like the " luxury " of being able to afford waaaay more than bare necessities. I know meritocracy is a lie , but if it wasn't, people who offer such services would be at the top of my list . Again... I'm not American so it might be a culture difference. Just my opinion.
I swear it’s like 1 in 2 of us who has this problem. 😂
@@GetElevatedWithMe 😬 that's scary
They get paid pretty well she’s just mismanaging her money
I am a CNA as well as a nursing student!! My hustle made me over 6 figures this year. If I do not have it in my account to pay off immediately, I won’t purchase it. I have paid off over 20,000 of debt with nursing school debt included.
Im a RN as well and i make good money but it’s a damn struggle out here!!!!!!!! 4REAL
Oh my God, the way you describe debt HIT ME, thank you for making this video, really helped my mindset! 😇🙏🏻✨
I'm an RN and have been one for 30 yrs. I do not make 6 figures and never have. I have 8 children and still have 3 at home. I have been a single mother for 16 yrs with no help from either ex-husband. Attorneys are expensive and to go back to court to make my exes accountable was more than I could afford. I'm 60, and I will be 61 in 7 days. I have 2 special needs children and am getting no extra income for them. One is still in high school. I live paycheck to paycheck. I get paid next Friday but I have - .02 cents in my account today. I drive 60 miles a day for work 5 days a week. Gas is expensive. I work for the VA as a mental health nurse. I have a car payment and a mortgage. I don't purchase expensive things. I don't subscribe to streaming channels, movie channels, etc. If it wasn't for "bin stores," Christmas would have been without presents. I have ADHD and was diagnosed with Aspergers in my mid 40s. I will never be able to retire and can see myself being single and working until the day I die.
Are you not able to file disability for the two children?
Solution is totally having more children that you can't afford
Careful what and how you speak over your life.
8😒 seriously 😒
@missmewness and my response is to your comment that you removed about "having more children than you can afford ", btw. At least I saw it before you took it down.
I really feel for her, self sabotage and comparison is a real thing!! I really hope she can get out of this debt and see the other side ❤
Try to remember to live your life, though guys. You can do low buy, no buy, whatever...but at the end of it all, please make sure if you can afford it, spend money on stuff that makes you happy. Saving it all or spending it all isn't really living...
Thank you for your educational content ❤