VIRAL DEBT CONFESSION: 41 year old has $97,000 of debt & no savings
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- Опубліковано 26 чер 2024
- Welcome to my channel! If you’ve ever felt like your wallet is on a diet and your bank account is running on empty, you’re not alone. I’m here to share my raw, unfiltered journey from being broke to achieving financial freedom. Join me as I tackle debt, explore side hustles, and discover money-saving hacks that actually work. Let’s transform our financial woes into financial wins together! Don’t forget to hit that subscribe button for real talk on money matters and creative ways to stretch those dollars.
CHAPTERS:
0:00 Intro
0:17 Announcement 💖
0:35 My debt journey
2:10 Talking about my college degrees
2:44 Sharing my total debt balance
3:12 Im starting to feel depressed
4:18 Breaking down my debt starting with my student loans
7:00 I hot scammed by my school
10:42 Discussing my journey with student loan forgiveness
12:10 Discussing my credit card debt
12:33 Revealing my credit card debt balance
12:53 Discussingthe balance of individual credit cards
17:00 THE END 😘
#FinancialFreedom #DebtFreeJourney #MoneyMatters #BudgetingBasics #SideHustleSuccess #SavingStrategies #InvestingInsights #WealthBuilding #BrokeToBank #frugalliving
Okay. take a deep breath. I am a personal finance nerd and I want you to calculate how much your 9-5 makes a year. If you are close to the amount you owe on student loans a year, you are doing damn good. It is the credit cards that are making you feel like you have a ton of bills, then add on living expenses it feels like a pinch. Instead of thinking like this I cannot do this or that, I deserve this thing or that thing. Think of it as I am going to go to work, eat very simple at home, take care of the pup, and enjoy the simple things in life. A cup of coffee made at home with the cheapest coffee you can find. I am going to enjoy my eggs on toast with a side salad for bunch and dinner is going to be some slow cooked chicken with black beans, veggies over rice. You can do this. And even if you have to work at the grocery store on Sundays to earn a bit more YOU CAN DO THIS. The goal is to stop using the credit cards, pay off of the credit cards then deal with the student loans.
Thank you so much for this advice. Hope you have a wonderful day.
There’s no shame in your financial situation, no matter what it is. The fact that you’re taking ownership is the first step. With sacrifice, consistency and a long term goal (one informed by many shorter term goals), you will gain financial security. Good luck Rachel ♥️
Thank you for your optimism Eric 😄
At work and came across your video don’t feel alone I’m 50 and broke started my budget journey out strong January 2024 now May 2024 have depleted all funds currently have a negative checking account have $7 in my wallet used my Walmart credit card for gas until payday Friday. I’m a single parent rent is $1900/month plus other expenses. I’m a positive person and hopeful I will bounce back next month. Thank you for sharing this video.
Girl I’m sending you so much love & positivity! The economy isn’t helping either with rates so high & the cost of everything is up. I pray you’re able to get through this.
It is hard to keep focus, when the pay off seems minimal. Get back on it! Budget every penny, track every penny spent. Maybe its not your spending, but the income that is the problem. Could you pick up something extra on the side? Being a widow and a single mom myself, I understand the struggle. My boys are grown now, but still lives at home.
The way we talk to ourselves matters. When we continue to express regrets for decisions we made, it keeps us stuck in cement. No one can move forward by standing in the past.
Many of us have a debt story. We know what it takes to get rid of debt and so do you.
If you're filming in your apartment, you aren't broke. Your apartment looks specious and well furnished and you're warm and comfortable. However, no matter how comfortable your apartment, debt is stressful.
You have debt because you chose to take it on. It no longer matters what you didn't know, or weren't told; your life is "here" now and your future is in front of you. You can retire your debt as quickly as possible, if you choose. You're the boss - how many changes and which you are willing to make to retire your debt is up to you.
There are hundreds of videos by people in debt on YT. Some are more serious than others. They tell their story, walk through their monthly budgets and talk about their debt. One I like is "mistakes were made". You might like the budget sheets she uses and how diligent and determined they are.
You CAN do it!
Couldn’t agree more
Excellent statement. I totally agree. I feel like there’s some victim mentality going on with her. She’s fortunate as compared to many folks. She needs to realize that. Once that triggers, she’ll do whatever it takes to get that debt retired sooner than later. A few years of sacrifice are in order. She was willing to drag out those multiple college degrees and take on that debt, she should have the same gumption to find a part-time gig to speed up these payments. At least she’s in her early 40s, and not 60s or 70s or 80s like many struggling. She has many options, but I think more excuses.
@@Michelle-lc3jy believe me I think God every day for my life. I have worked really hard to get where I’m at, and I definitely don’t take that for granted because I know that a lot of people are not fortunate to have the same opportunities and privileges that I’ve been able to have because I have had such a great support system over the last 14 years of being a single mom. just because I don’t describe every single sacrifice and thing that I am doing there are plenty of things happening behind the scenes that I just don’t share because it’s personal
@@TheRachelShow I can appreciate that I don’t know the full story, but you seem to sharing quite a bit of personal stuff on your channel. You do have to understand that fact alone offers you up for opinions by viewers.
As to the degrees, maybe work on getting your SIE to gain knowledge of financial matters when coupled with your existing accounting and finance degrees. That’ll not only improve your job opportunities in this field, but also inform your personal finances and help you educate your audience in the process. Value add to what you’ve worked hard obtaining already and leave the excuses & past at the door. Like the previous viewer said; look ahead!
I'm 46, single, and I've cleaned houses for myself for over 20 years. I'm broke also. I've been working 6 days a week now for 3 years and I'm so burnt out. Luckily, I'm debt free, but, yeah, I feel for you. It is discouraging.
I’m so sorry Lenee it’s not supposed to be this way. There has to be a solution.
@@TheRachelShow just know you're not the only one out there feeling that way or in this situation.
@@leneeanderson4848 I absolutely that is why I’m sharing my story because I know I’m not alone and I want to try to build a community to encourage other people going through the same or similar thing for all of us to rise from ashes together and be amazing
The only way to get out is cut up the cards, meal plan, ser a budget, and sacrifice. Currently doing that myself and only have my student loan debt left. It's taking some years but is worth it. Going to have to figure out a way to increase income that works for you.
Yep, already been doing that. My credit card debt is from like a couple years ago and I’m just now getting to a point financially work actually pay for it and put like significant amount of money towards it. I haven’t used my credit cards in like two years, I’ve been prepping and budgetingstarting this year, so I suspect it will be gone soon and I’ll only be left with my student loans
I’m sure this was not an easy video for you to do but I want to thank you for being so open and transparent about your situation because this has become a national crisis in terms of the debt situation so just bringing that awareness will go a long way
Thank you so much for being kind wild boy. I absolutely agree that this is becoming an epidemic and so I wanted to share so that way other people that are going through the same thing do not feel alone. For so long, I felt alone and then Covid happened and TikTok really blew up and I found so many people that were going through the same things as me at that time, and really open my eyes and it made me feel so alone and it was just so reassuring that I wasn’t the only one
I do not have any degrees but work two jobs 26 yrs at one retail store and 5 yrs at a grocery store on the weekends there are no vacations and just work all the time just trying to make it and I am grateful for being able to work and make an income never been promoted in my whole life 💃🏻💵💵 just an American living the Dream 🇺🇸
I am so glad for you. But why does working ourselves to death have to be the “American Dream”. I rebuke that. Don’t give me wrong. I have had my period in life where I’ve worked 80 hours a week at two jobs and had no life and barely got any sleep and wasn’t taking care of myself because I was working so many hours and stressed out about all that. And I rebuke that life, there’s gotta be another way and I’m cracking the code
This is the realty for millions of men and women.
But then there's the 19 year old girls that go on Onlyfools and make more money in a year than both her immigrant parents did over their whole carrer.
College is a scam but if you're not handy and can go into trades you're next to required to go into debt to get a piece of toilet paper certifying you for a job.
You mean the American nightmare darling
I am a certified Ramsey Financial Coach and can help you.
yeah my morals would never let me do OF. But pop off queens.
One thing most our parents taught us, is how to let credit card companies take advantage of us.
My parents taught me nothing about money or finances
@@TheRachelShowBut you have a degree in Accounting & Finance. You should’ve learned the fundamentals at this point. Maybe your parents failed you in teaching you the basics, but you have had the time & resources to teach yourself.
@@Michelle-lc3jy I wish I had the time see I’ve been a single mom for the last 14 years and when I was going to school, I had four classes two part-time jobs and two kids to take care of so no I haven’t really had a time I’ve been living in fight or flight until probably 2024, so my mind really hasn’t been on teaching myself this even though I know it is a basic life skill, but I just have been so overwhelmed and overloaded and mentally and emotionally not to mention being divorced from a narcissist that you have to share kids with comes with so much trauma and abuse that I have had to endure
You are not alone. We make decisions when we are younger and it just snowballs. Keep doing this channel, search for sponsors, your channel is growing. You already have a full time job, no need to go outside for another job. Maybe an online job. You are fully aware of the situation. Whatever grants or help available..take it. It’s helping people that refuse to work. There’s no shame in letting it help you if available. Maybe add a tip jar to your channel? A buy me a coffee link or tip jar, I’m not exactly sure how that works, but I see them on other channels. You got this ❤️
Thank you so much for being so kind. I am hoping to make some money with this channel. I’m putting in a lot of work and learning editing and getting better and growing as a creator and I really love doing this and I can see longevity in this as additional income. I do work outside of the home office so getting a second job just isn’t really realistic with me having a dog, but if I am able to go remote at the end of this year, which is hopefully the planwith this job that I have right now then possibly I can get like a second online job where I work both jobs simultaneously and continue and hopefully that will get me somewhere in life
@@TheRachelShow I have the same situation as you. I read that comment about putting your babies up for adoption and I had to take a step back before I lost my religion. It makes no sense to leave mean comments. You are a great mom
And me too. We had bad marriages. That’s not our fault. I agree with you, no second full time job. Keep doing what you do, coupon clip. Shop sales, and pay what you can. Right now there are student loan programs available. I hope you look into those. I wish we lived closer! Same state just different areas.
@@piecesofbella the bad marriage might’ve been my fault. In the sense that I picked the wrong partner. But before my frontal lobe had developed, and I had life experience and been around the sun a few more times I was totally unprepared and in the big sense of denial that I had ever picked the wrong partner, but now that I’m you know in my 40s I have definitely woken up to the fact that my marriage filling is awesome. My fault for the part that I picked the wrong partner for me. I had nothing to do with him cheating that’s on him now. 😂
@@TheRachelShow I was 19 too , so silly on my part. Oh well live and learn
Oh boy. That is overwhelming. Deep breath! I would definitely go bare bones for a while, to get the momentum going on paying down the debt. Could you switch job, for a better paying one? Or pick up door dash or something, where you can bring your dog? Do you have anything you could sell?
I have a series going on my page. I’m making payments
Appreciate your honestly and candor. Your situation is like most people. Don't beat yourself up. The key is to look at your situation, know you want to change and make small steps. You're student loans will take some time but interest is not crazy on those. You want to attack the credit cards. Once you get those paid off you'll free up tons of income so you can save and not get back into CC debt.
Thank you Jon for being so kind 😁 I’m getting a plan together
Everyone is broke because everyone is living outside of their means. Its simple math, dont spend more than you make. Hopefully you figure it out and at least have something saved for when you retire.
Yep that’s why everyone is broke you’re a genius. Maybe you can now solve for world hunger
Thank you for sharing! You are definitely NOT alone.
Thank you for being so positive in the comments. It’s hard to be this vulnerable. When I know I’m gonna get hate text in the comments.
Awesome editing ! Really brought the video to life. First time ever seeing your stuff.
Thank you so much, Jonas. I work really hard at figuring out UA-cam and social media. It ain’t easy but it is fulfilling.
You can't be that broke if you have a roof over your head! I live in my SUV (by choice) because I am paying off my student loans. My education got me to where I am today with a job that pays me well over 6-figures (combined $200k), but I am in debt and currently paying that off. I am single and don't have any credit card debts, other than my car payments and student loans. You are probably thinking if I make $200K per annum, why I am living in my SUV? Well, as a travel nurse, I bounce from place to place, so having a permanent residence wouldn't make sense in my case. My student loan is like the sword of Damocles hanging over my head, and if I don't keep up with my payments, my credit may be at risk. I didn't qualify for the student loan forgiveness, but then again, I don't care --- I only have $50k remaining and I make $5k payments a month. I have a bachelor's and master's degrees from Boston Univ and MCPHS. I work as a travel nurse and have busted my butt to get where I am today, and all you can do is make a video and complain about drowning in debt! Colleges/Universities like University of Phoenix is a school for profit, and not sure if those types of "online" school can really help a student get far, in terms of a career path. First rule of holes: if you are in one, stop digging. Secondly, get to work! Get 3 jobs if you have to. I currently work 2 jobs as a nurse and I pick up as much OT as I can. Sorry for sounding mean, but our country is so broken and if Tangerine gets back into the white house, it will be a disaster. I hope you figure things out on your end! Good luck!
You’re so right!
@@TheRachelShow I understand the challenges that many of us face today. With corrupt politicians and laws becoming more strict from finance to healthcare. I am not sure what the bankruptcy laws are now a days but that can set a person in even more problems. Perhaps try to look for a job that offers public service loan forgiveness after x amount of years? State and federal jobs are a good place to start with. Secure positions with excellent benefits. Today's politicians are corrupt and they only make laws that benefit themselves to become richer, giving the wealthy huge tax breaks, and we, the working class have to suffer. I hope you get yourself out of debt, and I hope you can qualify for the public service loan forgiveness. Even though I didn't get it, I am glad to see other people get it, as it can really lift people out of poverty. BEST WISHES, and GOOD LUCK!
@@TheRachelShowI understand the challenges that many of us face today. With corrupt politicians and laws becoming more strict from finance to healthcare. I am not sure what the bankruptcy laws are now a days but that can set a person in even more problems. Perhaps try to look for a job that offers public service loan forgiveness after x amount of years of service and making minimum payments? State and federal jobs are a good place to start with. Secure positions with excellent benefits. I know a few people who have 10+ years of public service w/ the feds and state, and may minimum payments towards their federal student loans, and have been forgiven via PSLF. Today's politicians are corrupt and they only make laws that benefit themselves to become richer, giving the wealthy huge tax breaks, and we, the working class have to suffer. I hope you get yourself out of debt, and I hope you can qualify for the public service loan forgiveness someday. Even though I didn't get it, I am glad to see other people get it, as it can really lift people out of poverty. BEST WISHES, and GOOD LUCK!
Amen!!
With the rate of inflation since the current administration took office we are all sinking
Also trying to pay off my credit cards! Hang in there! You got this❤
Thank you so much LS! You can do this! 💪🏻☺️
30 years ago my dad earned $70k as a blue collar worker. I'm a 20 year experienced college grad engineer and I can't find any jobs that pay more than $90k-$100k. Older generations don't realize how bad the pay structure has gotten. No wonder we don't have money for houses, kids, retirement expenses and vacations.
It’s a shame what we are going through these days in our country. So sad and terrible
What, specifically, did your dad do? Did he work a lot of OT? How old was he when he made 70K?
@dachicagoan8185 Most people in the older generations realize it's not the same playing field. Their egos just won't let them admit that to the younger generations. Anyone with compassion and empathy can see it and will admit. I don't need to be punched in the face to know that a punch in the face is going to hurt.
Thank you for sharing. It’s tough to be vulnerable. I’m sure your channel will be very encouraging to folks in similar positions.
Good luck, you got this!
That is my goal! 🫶🏼 thank you
Nothing to be ashamed of, it happens to lots of people, it's like with AA, the major step is admitting that you have a problem.
So just from watching your video, I have some suggestions: turn off the lamp in the background. That is is costing you electricity. In fact, why don't you sell the lamp? Do you need it? Same for the lava lamp, and the candlesticks. Make ebay into a hobby (selling, not buying). Sell anything you can that you don't need (and that means, really, really need - your doggy needs food, shelter and veterinary care, she doesn't need fancy toys or anything like that, she'll be just as happy with love and play from you, and those things are free). Good luck.
I have very little in my apartment. I’m keeping the things that bring me joy. Selling a lamp for $25 maybe isn’t going to solve my problems
OK. I do not care about your history. The only thing I will need to know is how are your finances now, how much are you bringing in now, today and that means everything? The thing is you can combine all your debt's into a one payment plan. I have calculated that over ten years you can pay, each month, only around $810.53 a month. You will have to work your backside off, but, you will get there. Cut your credit card up while you are in the bank to sort out your finances. Only take out cash or pay with a debt card. You have to be accountable for your finances. Go to your bank NOW to sort out your finances, NOW!
Wow such great advice. Thank you! ☺️
What kind of jobs were you offered w a new accounting degree? Was the work & pay what you expected? How has your work changed over the years? Did you get to enjoy pay raises as you gained more experience? Was it worth it?
I was able to finally get into commercial banking on the corporate side after going back for my second bachelors degree
Our educational system and parents have neglected to teach any of us financial health. We have taught our kids how to be financially sound. At 21, 19 & 17 they all have emergency funds to be able to buy a car. It took us a very long time ourselves to become financially literate. It’s all behavioral shifts from a spending mindset to a savings mindset.
Yes totally my parent never taught me how to be financially literal and what things I should be doing to set my future self up for success
@@TheRachelShow 100%! Ours did not either. We were on the rollercoaster for 20+ years, took till our 40s to figure it out. We are trying to instill in our kids financial health is just as important as your physical & mental health. The stress of finances impact all other aspects of our health.
@@OurRetireEarlyJourney I’m so glad you’re doing right by your kids
you are going HARD with these edits lmao whilin'!! pretty funny tho.
😂😂 thank you! Made a boring basic video go to the next level
Good luck to you Rachel on the debt pay off. I'd also like tp take a moment to give you your flowers on your editing skills. Great video.
Thank you so much Jay 😁🫶🏼
It’s hard to be vulnerable 🫣😬
I subscribed for the cleaning shorts - I was not expecting good sit down videos too. Such a great topic to be transparent with, thank you for sharing. I am excited to see your journey! Sending you all the good vibes, much love
@@ktlynne_01 thank you so much,Katelynne 💕
Don’t get discouraged just live on beans and rice and pay off that credit card and student debt. Pay everything as you go and never interest except for a home. Definitely harder with 2 kids and a single mom but can be done! Should be able to make over 100k with accounting
But one shouldn’t have to live off of beans and rice in order to make it in this worldJ
You're only 41/42. You've got time to change your financial path. I think it would be a good idea to stop using credit cards and only buy with cash. Set up an emergency fund and then evaluate how you can increase your income substantially so you can start paying off that incredible debt.
Such great suggestions I haven’t used my credit card in probably two years and I already have 1000 saved it into an emergency fund. I would like a few thousand more like 3 to 4 more brand in there just so that way I can prepare myself better in case of emergency.
@@TheRachelShow I think you're doing awesome!!!
Thank you! I'm trying my best. Learning as I go.
Be VERY leary of any dental or medical care in Mexico...unless it's an emergency, I would strongly recommend that put off that trip or cancel it.
Why do you say this?
I'm 56 years old and finally can live on one paycheck (62k gross / teacher). Add my 110k student loan had not been forgiven in 2022, I would have retired with the debt and the balance would just keep growing. I held it for 16 years.
More people are in debt than we can even imagine - Including those who live in fancy houses and drive nice cars. They're typically doing it with massive debt.
People such as myself and you who tell our story to the public help the masses. It makes people not feel so alone.
You should be proud for telling your story. You don't know what life you're saving. Liked. Subscribed❤
Thank you so much for leaving this very nice and kind comment. I totally agree. There’s so many people that are in debt. Specially, the ones in the fancy houses driving their fancy cars sometimes they are barely surviving to cause they’re living above their means.
@@TheRachelShow exactly Rachel!!!
Hi Rachel : ) Dont worry be happy everything will be alright in time just have faith ...If there is life there is hope and be greatfull for the life you have and for the people who love you : ) I'm also 42 years old single and broke but I always try to stay positive in my life even when people around me try to bring me down, coz I know in time I will be on top...
Thank you so much Jeanmarc! I totally agree it just takes time and sometimes I am impatient and want to be debt free right now
I need to report you to DAVE RAMSEY!!! This is a behavior problem on your part. Kids “joy” can wait until you’re not BROKE!!
Yeah, I guess I’m a terrible mom
Have you ever watched any of Dave Ramsey’s videos? Maybe his Financial Peace University program could be of help.
Yes I have very aware of his methods
tough story, I could not imagine having kids young im 21 years old and was never cool with girls in school so i probably never had a shot lmao
Im glad I did not go down the route of going to college but rather the trades where they basically trained me on the job and i been there since 18
Similar to how you are enlightening people on ur situation imma soon make my own networth video, currently its positive $50k
Not to put you down but my goal would be to encourage people about the alternatives in life
cause college aint for everyone but like you said in the video "Everyone went to college so i went"
It’s definitely a hard field to swallow and it’s made who I am today. I’m very sick and tough as nails and I don’t give up easily so all that trauma has at least gotten me somewhere.
Two words. Dave Ramsey. Seek help from him and his team’s advice. You can do this. It’s not going to be easy, but all things are possible. ❤
Thank you Leann!
Better yet, Caleb Hammer!
@@TheVikingblonde who is Caleb? I’ve never heard of him.
@TheRachelShow he's on UA-cam, he's young and has a fresher look into debt and finances.
@@TheVikingblonde thank you! I’ll have to look him up
You don’t want a second job because you want to spend time with your dog? I’m so confused
Seems like you got the point though
She’s lazy
@@andrephillips7764totes always 😂
Everyone shouts Dave Ramsey but I read Mary Hunts debt proof living before I ever heard of him. Being your an accountant of sorts I think you’ll love her. The book is pretty cheap on eBay.
I’ve never even heard of Mary. I will definitely check her out.
I’ll check her out. I like the money guys.
Never get a credit card. No. I don't care what reason you have. Live within your means. Can't afford giving a dog a good life? Don't get a dog.
Absolutely I wish I never needed a credit card I wouldn’t had ever gotten one
Lack of credit cards won't protect you from medical debt and unemployment. It's naive to think that people get in debt just because they buy too many things.
@@CheerupA1 lol wow like no duh
Credit cards are great if you use it right. Very linear way of thinking.
@@Brandon-tz5pn There is no way to use them right
Hi Rachel! Just a thought have you thought about claiming bankruptcy? That’s what came to my mind?!?! Love ya! ❤
I haven’t thought about it because the main thing that I need bankruptcy for is my student loans and I don’t think you’re allowed to claim bankruptcy for student loans like I can handle the credit card debt, but the student loan debt has a whole Nother situation that I am quite scared of if they don’t forgivethe 60,000 from university of Phoenix
@@TheRachelShow okay, I totally understand. Ignore the rude hateful comments on here! They’re unhappy trolls!
Bankruptcy doesn’t change behavior. Because of that, many people who declare just find themselves right back in debt again. Bankruptcy also does not get rid of student loans. They’ll follow you til your death. The law has gotten tougher on declaring also. They’re likely to put you on a payment plan for your debts (Ch 13 I believe) if you make any money at all. She can do that herself.
@@flygirl2447 totally agree
@@flygirl2447 I thought bankrupcy would be the solution also for @TheRachelShow, didnt know about student loans. But you are so right. I remember watching Dr. Phil a long time ago, he said something that I never forget, and is so true: "You cant fix money problems with money"! You need to change the behaviour first.
Believe me, you are not alone. Maybe try a debt relief program. Just keep at it you will see progress soon.
Thank you I am so glad I’m not alone. For so long I suffered in silence but I feel like it’s 2024. We need to normalize this stuff and we need to talk about it so we can build community and help each other.
Spend in the moment and pay off for a long time.
💯💯
Hi broke nice too meet you. Im Sean
😂😂😂 Hi Sean
Oh hush
You poor thing! I hope your loans are forgiven!
Thank you so much devour. My fingers are crossed all 2024 until I get some kind of resolution. Hopefully it’s in my favor.
"Goin to mexico for my dental"
I am curious how safe is that?
You hear about alot of people doing body mods in forign contries and getting screwed
So how do you know whoever you go to is safe? And i do know i am making assumptions based on what the media says
I’m done extensive research
@@TheRachelShow Did you check your insurance, maybe at work, if they cover dental?
Time to go to work and pay it off so we don't have to!
Excuse me but you aren’t paying my bills lol
@@TheRachelShow Sorry for being mean. Use the debt snowball. It works. You can get out of it!
@@EricMoore790 absolutely
im broke too, give me some money!
Haha
No problem. I'm willing to loan you $100 at 100% interest. It's the least I can do. 😳
😂😂😂
Are you working now? 90K in debt is not that bad as compared to lots of people i know.
Yes thankfully I’m working and making little dents in my debt. Sometimes I get impatient and want it gone now
@@TheRachelShow pay off credit card first .
If you were a man I would tell you to get into the trades, bunch of Overtime and good paying jobs ! Getting into nursing and working 12 hour shifts will get you back on track ! I’m working a lot right now trying to get ahead because I know good times don’t last forever !
Ain’t that the truth good times will come and go
Nope
lol you actually took the time to write this 😂😂
Not the best schools to choose for a degree. Stop using credit cards. Thats a TON of debt. Are you getting child support from the ex?
Haven’t used my credit cards in at least a year maybe a year and a half. My kids are now 22 and 19 so no. I was paying child support and I made a whole video on that. I will link it for you.
ua-cam.com/video/OSx5ZXBOm5k/v-deo.htmlsi=HhwIi7ENz3GWWyzv
The good news is that she’s at the age where school means less and experience is key.
@@tmusa2002 🫡
7:09 - I mean this in the nicest way possible, but people are dumb.
😂😂 I love to see the haters!
Don't hate, but the fact is this does sound dumb.
@@jburch1544 perfect! I love being dumb 😂
Question..did you file for the divorce? If so you choose to be a single mom. Why do you have a dog? That's another expense!!! Get a second job.
Wow Ralph! I actually didn’t file for divorce. But who wants to stay married to a narcissist who constantly cheats and treats me poorly. My dog has really helped me she’s been my emotional support animal. I’ve been through hell and back with my ex-husband and if it weren’t for my kids and my dog I’d likely not be on this earth any longer. But pop off king since you know it all 😂
@@TheRachelShow I would suggest you really take a step back and really analyze how not to get back into this situation. You can change your life in 1 year. You're on the right track but you need someone in your corner who isn't going to make an emotional decision. You need someone to be honest to you..not from a hurtful place but facing reality and confidently moving towards it you can be in a better direction. Also that emotional support you need is from a man not a pet....it's misplaced and won't solve your problem..it's only a coping mechanism. The correct man will assist you in your journey..understand we are a reflection of who we choose to be with. You are what you attract which is self accountability. In this economy you shouldn't want to do it by yourself. I hope this helps you.
@@ralphjames4346 wow how your tune changed 😂 armchair experts are so prevalent online
@@TheRachelShow Well I'm not online complaining to the world about my problems.
@@ralphjames4346she doesn’t need ‘a man’ to solve her problems. 😂 I’m sorry but the best advice can come from financial experts or even reading about low-buy/no buy methods and quickest ways to pay down debt. A balance transfer might be a good idea for the high interest credit card. (Or at least part of it. Take what you can reasonably pay off by the end of the No-apr promo period and transfer that balance). And then pay that sucker off. For emotional support I would recommend cognitive behavioral therapy or dbt therapy or resources such as books or UA-cam videos on the subject. They can help with emotional regulation and impulse control (which definitely comes into play when we overspend.) And also make you feel better about yourself and stop all or nothing thinking patterns. Change how you think and you can change your behavior and vice versa. You’ll get through this. Just takes time and being patient with yourself.
omg you need to do the 0 interest so what on 3% and pay off the other 10 percent thing all together! wow you went to college for finance and basic things quit letting ppl manipulate you...
Yes I need to weigh my options for real
Maybe the system is evil and corrupt
You’re on to something with this comment
Sadly I cannot watch the video through without experiencing epilepsy.
So sorry 😢 I try to pick edits that won’t cause that but I failed
Why get a dog if you are poor?
Why not 😂
@TheRachelShow Good answer Rachel. I'm in debt, too. Thank you for posting this great video. The video is excellent, and I think a great portion of this country is in the exact same place as you are in. Thankful you love to take care of your dog 🐕 !
@@rz9084 😁😁
So you are financially irresponsible and it shows especially at the 12:15 mark pertaining credit card spending on things that bring “joy.” Does the husband not contribute to help “the kids only?” Restaurants are always hiring and supermarkets are always hiring.
Definitely my old self made poor choices that’s for sure
Here is some tough love. I watched your video in its entirety. You made a SERIES of bad decisions and you played the victim (I didnt know; Blame it on guy; etc). As a CPA, 15 years with my ONE girlfriend, 175K/year, and no DEBTs. You put a bad name to people like me. From the series of juggling dudes, and having children with suboptimal males, to going to a FOR PROFIT school ON DEBT, to HAVING KIDS instead of giving them up for adoption. BUYING crap you dont need when you should be working two crappy jobs and paying off the debt. To now being a Single Mom with a dog (Kevin Samuels/Dave Ramsey) with your interest compounding WAAAAAY to fast for you to control. I can tell you your retirement years are going to be bad. And you dont have a good man that will take you seriously because of the kids. I know this sounds funny, but I would just move to Mexico and start over fresh with no debt.
Sounds like you got it all figured out
To the original poster: No need to be hurtful to someone you don’t know. I realize you may feel good temporarily by leaving a nasty comment but is that really the type of person you want to be in this life? Some of the channels you sub to and the words you said make me think you may even seek out certain videos to unleash this anger. It’s a better feeling to be kind or hold your tongue if you are going to be negative. It’s also a sign of emotional maturity. And whatever or whoever hurt you man: I am sorry.
@@Randompotatoes-qs7bm 🫶🏼🫶🏼💕
Stop wasting time on social media and get a job
I do social media just for fun. I already have a full-time job thank you. I am very blessed.😄
@TheRachelShow if you are actually broke you could get a second job instead of wasting time on social media or making videos
@@hooterville1863 if you listen to my video, I told you why I’m not getting a second job
Maybe Social media is a job for her silly ppl
Facts!!! Sounds more lazy
You need Dave Ramsey!
Totally
@@TheRachelShow I think you need to marry a millionaire, that's what I am looking for except I am to old and ugly, sick and poor to get their attention.
@@Omar_Zazzleget a face lift n stop eating garbage 🗑️...maybe a thousandaire will notice you
Negative 👎! He's a religious mythology basket 🧺 case.
She's already figured out her situation and put together a reasonable plan of action. 😳
🤣🤣