If you’re broke right now it’s not all your fault…
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- Опубліковано 15 лип 2024
- If you're broke right now, it's not all your fault. Rising interest rates, housing costs, inflation, job loss...chileeee. It's a bit of a madhouse right now.
0:00 Intro
0:55 We cannot keep absorbing this
3:07 We’re all feeling the squeeze
17:10 My prediction
19:11 I’m part of the problem
29:30 You can’t care about everything
🤑Download my Financial Dashboard spreadsheet!! 8708492926377.gumroad.com/l/d... - Навчання та стиль
How are we doing out there?! 😅
Trying to make it.
@@IAmSavRenee Trying means you’re doing what needs to be done!
I stopped watching the news and turned off the tv in 2022 and it’s the best decision I ever made. Delete the apps, sis.
Same thing here.
Turned it off in 2006!
I feel like all I'm doing is working and paying bills and going to sleep to do it all over again. Some days I feel like life is living me not the other way around. Every day I'm working on ways to give back to myself. I appreciate you sharing your life and skills they're very important and helpful ❤❤
I feel the same way. It has been making me so depressed that it’s hard for me to get out the bed every morning just to only do everything all over again
SAME 🤔😳🫣😬🤬
Same… 😢 it’s very depressing and I sometimes can’t function just thinking of doing it all over again the next day
Absolutely I feel you on this. It feels like I’m stuck in a cycle. I’m a hamster running on a wheel 🤦🏽♀️
I agree 😩😩
The middle class always gets the short end of the stick. Not poor enough to get any help, not rich enough to hire help or even be able to pay for everything yourself. I have definitely experienced this when I was a young mom and I received WIC and Medicaid for my children and now that I have done well for myself having to actually pay taxes. And yet I still have to count budget for each and every single cent that I earn and spend. It really sucks. Can’t get the best of either world.
I look hearing from those who have experienced both sides. Hopefully a change comes just not sure what that would be.
"I cannot tolerate anything that is not of substance right now."
That needs to be trademarked!
My job gave me a 2% raise and a $2,000 bonus. Every year they say it’s better than nothing. That to me is wild. My company posts to annual earnings every year too. The company made a billion dollars last year. With a B. It didn’t hit me as hard because I work a second job. This year they sent an email raising the performance standards before anyone is considered for a raise next year. We have never hit that new performance standard number and I’ve worked for this company for 17 years. 🤷🏽♀️. So how can you tell me you don’t want to give raises without saying you don’t want to give raises 🤔. The CEO makes 20 million just for reference. And gets a 2 million dollar bonus. The average worker makes $50,0000.
Omg!!!
Same! My job used to give monthly bonuses based on performance and it would take two months after earning it to actually receive it. And since Jan 2024 they have raised the performance standards to unachievable ways. It’s sad, annoying and frustrating
You are spot on about that. The 99% is not having a good time right now. The 1% is.
Its humbling to say the least 😂
Girl, I needed to hear this.. Cause these bills say something different..😂❤😂
Beating us black and blue...praying hard times pass soon!
"Im pretty much selling all the bullcrap i purchased back then in pandemic days, the stuff i dont use or just sitting around taking space to add extra money back in my pocket. The money i wasted back then"
I wish they had a gradual step down for benefits like maybe a 6 month - 1 year time frame where you could still receive assistance.
This was so relatable and realistic. Thank you for being honest. It will get better for all of us. Just keep trusting Jesus Christ.
I agree but I’ve never seen Jesus Christ in a voting booth. If you look in the old testament God allowed the nation of Israel to plunge into chaos because they demanded king Saul as their king when God wanted David instead but God relented and let them have king Saul and he nearly destroyed the country. America and its economy will get what it votes for.
I am here to encourage everyone GOD does not give us more than we can handle. Its hard yes but if you do a little bit here and there to get to your end goal, God First everything else will fall in line. 🙏🏾 ❤
They are squeezing the middle class. I've been studying hyperinflation in counties such as Lebanon and Venezuela to see how they are surviving. We are not far away from entering hyperinflation at the phase this country is going. We must prepare. Too many people sleeping on how worse things really can get. At this point, it's best to sharpen your skillsets and learn to garden at this point. Pick up some side hustles.
Cant garden in an apartment but i agree however we shouldn’t have to hustle side jobs or overwork just to survive that is third world inflationary stuff. If America votes Biden in again and democrats control congress you’re country is finished they’re economic and political tactics are the same as a third world country I’m in where inflation has ravaged everything from food, gas and rent etc… Foreign Investors are pulling out especially New York and not buying US treasury bills are nosediving because they see the biggest economy and democracy in the world attempting to jail or remove theyre political opposition from ballots. Something they thought they would never see in America.
I’m just starting my budgeting/debt free journey, and my bills are billing and it’s discouraging. But the way the economy is now, it is pushing me to get into a better financial place for myself and my child. I am cutting out a lot of negative energy to stay on my journey, to remain positive and in a good space mentally and spiritually . Blessings to you and everyone else 💜
Same to you wishing you the best!❤
I haven’t even watched the video yet, but we often have the same thoughts and seeing as how I was annoyed with the price of grapes when I was ordering groceries the other day, I’m going to go ahead and say that I agree with everything you said 😂
Hahaha! Yes! I said we tend to think the same 😂
Oh my goodness, I wouldn’t be able to handle getting news alerts on my iPhone. I’d be a basket case. 😬 “Everyone has a solution when it’s not them” Yep, I feel you.
Our home insurance went up $1000 from last year 😭I said absolutely not and went shopping and was able to find a bare bones policy that is only $860/year. Funny how at first my insurance agent tried to tell me my policy going up 1000 was the cheapest they had, then after i went out on my own and found a cheaper policy and called her back to drop them, all the sudden she was able to help me find something waaaay cheaper 😂
$1000?!!! Omg!
Absolutely understandable with “ girl I just can’t “. You have to tune silliness out when you’re trying to survive.😊
Hello Dyana, Sending blessings first. I think we just have to keep our mind and thoughts on God because we can be in the world but not of the world. God has and will be always in control no matter what's going on in the world. I just thank God for being God.🙏
Amen❤
This is such a good reminder for all of us. Seek first the kingdom of God and all these things will be added. Jehovah Jireh is our provider, not the government, not the rich. God ultimately is in control and Jesus is coming soon❤ Stay strong and have faith! The Lord has never forsaken the righteous
Man I just lost my job as a CO only thing that’s saving me is being debt free and child free. I’m currently about to start working 2 jobs just to build my savings
I'm not letting anyone or thing disturb my peace😌. I'm blessed to have a job that raised my salary 50% during covid plus generous raises 3% or more every yr. So I do not job hunt. I loyal to this job bc of how their loyal to me. I get to put myself and my son 1st. Thankful for this job security.🙏🏽
Great video, I manage to save a bit every month. I get upset from time to time that i can't afford to buy a home something that i thought i would have achieved years ago. But all we can do is control the controllables and keep saving.
I've been working 2 jobs since the year began. I'm making good money between the two, but I'm definitely trying to go down to 1 that pays more than the 2 combined. At my part time job I am off for the summer, since I work as a para-professional. I came so close to quitting the 2nd job last month, but I'm glad I didnt because I would have missed having 2 paydays every two weeks.
Its definitely not easy working 2 jobs, especially when you dont live in the city you work in. My 45-minute commute doesnt help my situation but I love my apartment and I like the city I live in so I can't see myself moving. It would be nice to be able to work from home.
Thank you for this. 2020 came and I was unemployed for a few months, then 2021 we moved into our first house which cost a lot of money (the move, furniture, etc), then within a year of this my husband got diagnosed with cancer and has just started going back to work after nearly two years of being on partial disability (majority of time was not working). Oh and he is the major source of income for our household as he makes 2.5 times more than I do based on the type of work he does. It’s been a struggle for sure and on top of that we have had a couple house renovations that needed to be done cause left untouched could have caused larger issues. It’s been incredibly hard and it’s so stressful and discouraging to see people talking about how bad being in debt is. I agree- it sucks but unfortunately certain situations contribute a lot to being in debt and are not always in your control. ❤❤❤
I resonate with everything you said. I am on a debt free journey and because I’ve been looking at all videos and believing in throw all your extra funds to debt I’ve not saved for anything. Now I’m thinking of trying to reprogram my budget to save as much but still pay debt and realize my debt payoff timeframe need to be adjusted. This year long journey has me working 2 jobs, getting burned out from the work all day, sleep, repeat routine because I put myself in this position. So now as the enconomy is pushing against my progress with inflation I have to keep pushing and just what I can to stay on top. My household is high 6 figures 2 parent and you would think we would be on top with finances, but that’s not the case.
When people come with that "well that person made choices to get them there."
My reply is David dealt with many wars during his reign. His son, Solomon, had peace in the time he reigned. Does mean Solomon was a better king than David? No. God gave Solomon that peace.
As you said people can make what seems like all the right decisions logically and still end up in good or bad circumstances. There is more to the equation than people want to admit.
I'm grateful for my blessings. And when someone is doing better than me I'm happy them. I have learned what's for me is for me and what's for someone else is for someone else, even if on the surface I feel that person may be having it easier than me. 1) one I don't know the full story 2) who am I to judge God's will.
Amen!!
This video is everything I’m feeling! It’s scary right now bc we can see jobs being lost and incomes have not caught up with inflation, even though the rate has eased up. I’m with you, I’m trying to finish paying off my debt and get more into savings. I remember the great recession and this time makes me nervous. I’m trying to remain positive, grateful, and focused though. Thank you for sharing and being so candid.
💯💯🗣
At this point, having no debt makes this easier and less stressful for sure; but you still have to pocket watch to feel like you’re ok.
I’m grateful for the blessings God bestows and just learning to pivot where necessary, especially to keep peace.
I have been broke for 35 years, but I financially free today. I did not get here by giving up on my dream. I know that you’ve got this. I was where you are.
With every paycheck, I make a CC payment, and put some in high yield savings. Debt will get paid down with each paycheck. But these prices right now? $100 is the new $10.
This video resonates with me on soooooo many levels. I see you sis 😂😂😂. Life is life-ing. I’m lost on where to start, what to start, or what to even plan for. Trying to focus on the day I’m in while trying to plan for an uncertain future is ghettooooo. 😂😂 But we gonna be alright. God has us and He is in control🙏🏾.
Beyond ghetto at this point! Nothing to do but keep putting one foot in front of the other
I can relate 💯% taking it day to day 🙏🏽
I’m just trying to stay current and have money for food the more I make the more things break or need replaced
Heyyy,Queen coming through to show some Love as well as getting more info to stay on track
Awesome topic. Thanks for sharing Dyana❤
Thank you for this video. I felt all of this.
Ty ❤. Appreciate your time and energy. God bless
You ain't say ing nothing but the TRUTH. New subscriber. Ty.
Showing luv ❤
❤
Sweetheart, YOU have done it. Keep doing what you're doing and you won't even believe what you'll accomplish.
I see your point on the burnout....... psychologically and emotionally Covid has taken its toll. Take a deep breath and let's keep going. ❤❤❤❤❤❤❤❤❤❤❤
Thank you, I will
@@DyanaMariie You go girrrrrl!!!! You don't even notice how awesome you are!!!!!!
❤❤ i think me taking breaks from social media here and there helps me with my spending. Social media is always trying to get in my pockets. This talk was so chill. Thanks for sharing❤
I have been working Lyft after my regular 40hrs a week job to stay a float. But I've been putting in for job positions for more pay.
Look…I took a low paying job last year on purpose to still qualify. You can make more money but then your bills go up. I have a kid in daycare in Texas. Daycare was more than my rent!!
I’m doing okay financially. I make a moderate income but save a lot due to being more frugal.
I can feel the financial stress going on with most of my family though. They don’t all make the best choices in spending but yeah it’s just hard right now.
Inflation has hit people bad. And a significant amount of that is price gouging (charging as much as the market will tolerate) as seen by all these companies reporting record profits. Middle class is always getting squeezed the worst.
Personally I’m trying to focus on minimalism. It’s so easy to be wasteful in our society. With climate change effects being so prominent I hope more people take action to consume less resources and make more environmentally conscious decisions. But ultimately it’s the massive corporations doing the most harm so it’ll take a lot of people to sway their actions.
It’s hard to not be gloomy about the future but I do feel hopeful that we’ll make it through this tough time.
I have faith that the discomfort will bring about major changes!
Feeling like everybody else like what the heck but staying focused with my savings and living in no debt. Thank you for sharing your video.
Thank you for the video. My therapist told me the same thing
Dyannis, you are making yourself miserable, feeling you have to sacrifice so much to save, you are only 32, you are ahead of the game, you said you have six digits, after inflation goes down and house is worth it, you can refinance. Creating memories for your self and your kids are important. If saving like this is tiring you out and making you feel like you can't enjoy life . How is it good for your family and your mental health. A book that would be good for you to read, is Chicken soup for the soul. It gives you encouragement to do things differently and take chances, those people take chances and they feel emotional and physically happy. You may end up with a dual income, if you marry, you don't know what God has in store for you, but you missing out.. Enjoy your life in a responsible way, while you are young I don't have 6:figures, but I am going on a cruise, with my kid and I am older. I have seen people get sick and old , and never do anything, be cause they focus on saving, but miss out on the family memories and life experiences. Blessings.
Also, do e free things you can do with your kids, which I started and didn't know about at library for kids lots of activities, you can pick and choose for free, but there are also adult free things, crafts, games , for adults and kids , coffee and movies ,, color books for adults and kids 0:08
It's not about blame. It's about your life choices: career, finance, relationships. If you made bad ones, you are where you are. You can always change your behaviors, but it's on you to change. Of course, there are factors outside your control like inflation, global markets. It's up to you to better yourself. No one is going to do this for you.
minimalism is golden! buy used cars and pay extra on the mortgage especially if you dont have kids. work overtime and get minimal debt. use food pantries, bulk and freeze food. a lot of millenials and gen z dont know how to cook. if anyone has ADHD feeling broke isnt a feeling, lol. i have tips!
I always watch but rarely comment. But I just want to let you know how much I respect you. You are so real and so authentic and so relatable. As a fellow single mother trying to navigate this alone, I really appreciate you and your content. ❤
Taking care of one's physical and mental health is a real thing. I stopped watching news and I don't entertain things or people that have a negative impact on my well-being. I am working towards becoming debt-free and building up my emergency fund. My job is not guaranteed, especially as I age. This economy is bad. I have a very good job with exceptional benefits, but I have changed to a more frugal lifestyle and got a flexible side hustle. I enjoy the simple things in life and not concerned with buying things but enjoy life experiences. I buy mostly what I need and treat myself to a want every now and again. 🙂
I watched this video in its entirety and identified with every bit of it. For me, the burn out is one that rest cannot fix. I took a week off work to spend away from home with my two kids came back even more exhausted. I’ve also tried a weekend away from my kids to be alone, but woke up empty. Catch 22.
Regarding the “living in a bubble” piece I think unless you habitually set timers for how long you allow yourself to consume content you will eventually run into some sad shit on your feed. Compassion fatigue is factual. I’ve donated to so many organizations overseas and unfortunately had to pause to force on the home front.
Above all, if you’re a believer continue to pray and have faith the size of a mustard seed 🫶🏾
I felt every bit of this comment. Compassion fatigue is the term I couldn’t find.
It has definitely affected me when it comes to having to cut back on how much I can pay toward my debt but I’m really glad that I only have credit card debt and a mortgage. I only have one source of income at the moment, but that income covers all my bills and allows me to pay a-little extra on my cards and mortgage each month. My goal is to land a part time job in the next month so that I can eliminate my credit card debt and build my savings!
I love your content
You are beautiful...
Thank you love!!
Life is life-ing. 😢But I gotta keep pushing.
That’s all there is to do!! Gotta keep on keeping on
Just figuring to start back
I work in the non profit industry and my job doesn't pay enough. Im starting to apply for state jobs and working on my real estate license. I should be in a much better financial situation by this time next year.
Florida is crazy with insurance rates
My goal is to save my property taxes and pay it myself, and pay the insurance ahead of time
Not only are we getting charged interest on mortgage principal but the banks are taking our tax money and insurance money if it’s included in your monthly payment, they’re putting them in a hyi escrow account…. They’re making money off our tax money!!!!!
I want to make that money; one of my goals to do this…. It will bring your monthly payment way down…. This requires discipline 🎉
I stil don't understand , how too many people don't wake up , and stop spending in unecesery things . Everything is too expensive , but people don't use austerity to control their reckless spending .
It’s hard to be single parents. Especially child care and activities. Try to not look forward to the future cuz it depresses the hell out of me
Whewww the activities!!
It was the last two minutes for me 😮💨😮💨😮💨
Turning off Apple news notifications:
Settings -> Notifications -> News -> (go to bottom) News Notification Settings
That spray bottle sounds mechanical. I was looking outside my window, thinking “what’s that noise?” I chuckled every time you used it.
😂😂😂😂 and thank you!
working people get screwed, I work one jobs, it's not enough, I work two jobs, they take it all for taxes, the odds are stacked against working people, it's better to be on bottom or on top
I agree, most of my news comes from sources I can seek out and I am trying to be better at limiting my information (entertainment or otherwise) during any given/day or week. Its just so much being inundated with what other people we don't know think or want us to think. I also heard this is a "savers market" where the HYSA and investments are doing good and for middle/working class that is how we should be approaching this time. Its made me think about (and be more strategic with) how I want to move forward with how I spend, save and make my money.
Taco meal 😵
To turn off the notifications, go to your settings and click on notifications and turn it off
Thank you!!
And then you rambling here talking about global warning ⛔️ 😏
I don’t get it! How can anyone think like this! No one cares how you feel! This is the real world not La La lady! There are so many jobs and so much money around us! When I was growing up there was no internet! You young people have everything! My son is a year younger this you lady and I have never heard them complain about life! It’s the life GOD gave you! Try living in a 3 world country! SMH
Lol the title of this video is so wrong 😂its our fault
Hey! For those comment scrolling, please expand on your thought/comment. Not saying you're right or wrong (I'm not into arguments) but just so people can see where your perspective is coming from!
There's no perspective @954giggles is rage baiting. Just ignore the unhappy trolls.
I really enjoyed this video. You’re spot on! I made the most money I ever have the last few years but I feel broke in a sense. Taxes kicked my butt and day to day feels different. I’m trying to stay optimistic as you are. I appreciate you being real @DyanaMariie. This too shall pass. I feel effort and consistency in the right things is rewarded eventually.