"You're Stripping With Lots of Debt, Does That Make You Above Average?" How Are Black Women Winning
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- Опубліковано 6 вер 2024
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You definitely should get me on there one day...I don't need no money...I just like putting people in their place for being silly...
I have a business and like all business owners deal with is tucking and ducking taxes as best as possible. So I'm wondering how she was on paper able to get a million dollar house and it's custom built. Realistically I doubt she reported the correct amount of taxes to get a certified loan so I'm assuming she did a bank statement loan which requires $200k down payment for a million dollar home at 20% . How I know she doesn't have a certified loan is if she filled the correct 2 years of tax papers she would owe back taxes over $50k to the IRS and tgat would automatically put a lien onto her account and remove any possibility of her getting a certified loan or a bank statement loan and most bank statement loans will not let you do custom built home where you buy land and then get custum builder. She had help being a stripper more than likely and it probably was a sugar Daddy to use his credit. Strippers are similar to drug dealers when it comes to getting loans because they can't verify income. A stripper has a bit of an advantage than a drug dealer because they can legally put money in banks and avoid feds snatching it. I also will add she has sez with alot of guys for money because Strippers do not make good tip money like thatt at all to afford a million dollar home. Strippers have payed sex or combine a bunch of sugar daddies together and get the vvast majority of their money outside the club. So yes she is a prostitute too. How do I know I this about her? Because I go to the strip clubs in Atlanta, Houston and Miami almost 4 times a week. The average tipper is brokw abd spends under $100 and usually around $20. The ballers which are rare force these Strippers to compete and dancing stops after first interaction in the club and those type of guys want to fuck at that point and have the money to get her to fuck. I give her $2500 on average she chargers with ballees and $700 to an average guy when the ballers have been missing in action for weeks or months. Remember ballers fuck alit of women and usually 1 fuck or two fucks get them what they need and they moce on to the next dancer. My friend has fucked 18 separate dancers alone in the bluw flame lounge in Atlanta. I fucked a few too and dancers themselves give me the game so trust me I know exactly what she is doing
This was probably the most ignorant livestream I’ve ever seen. As Black people we look terrible in this. Half the people could barely speak proper English.
There’s no such thing as an above average stripper, stop it…
Exactly! Strippers have below average morals and self respect.
You pull that chick if she was a stripper or truck driver
You game goofy red pill guys always have something to say in order to deflect from your failures in life as men.
Pathetic
FBA/B1
Damn she never shut up.
Never. There what makes it bad for her and those alike. Interrupting and cutting people off is tired.
I don’t knock her line of work, but I cannot trust anyone who talks very fast. Because their nerves are up, they’re under duress, and do shady things as a result.
How you GET the money is just as important as having it.
If a drug dealer sells drugs and destroys a community, are we going to give them props and elevate them just because they got a lot of money doing so? Strippers aint no different.
Agreed these types are a cancer ln society. Demonic.
🔥 🔥
Exactly! She not above average. Only a person with below average morals and self respect would strip for money.
100%, they need to be excluded from these conversations.
This is exactly what i've been screaming at my phone, the entire argument
OMG, CAN BLACK WOMEN TALK WITHOUT OVERTALLING SOMEONE ELSE? #manners
not when they're lying
No!
Yes, if they grew up in Africa.
@@lennylink8772 Different culture though.
@@user-mg8fn1bq9d of course. That's why passport Bros exist.
Bruh this panel is terrible. You need to emphasize proper communication because everybody was talking over each other. Instead of listening, everybody was waiting to respond.
Jesus christ Anton...
Yea they need to mute out others when someone is speaking.
Welcome to black UA-cam. Even ninjas in real life have a problem not talking over each other
she has a nasty ass attitude
Talking over people is a definite sign of weakness and insecurity every time.
This conversation was moving like 5 o clock traffic. A bunch of lane switching and aint going nowhere.
😂😂😂😂
Your comment needs way more up votes 😂
Shes offened because 304s have to say something when they hear people talk about certain boxes that they fit in. P.s. baby looks average without all the fake up.
Pretty much on the hammer
Yes, she is average looking, she do got some cakes though, but that may be fake too, who knows.
Only mentally broken black people vote Democratic and only mentally broken black people support Candance Owens.
That stripper you're red pill clowns are talking about is a woman you cant get number one and secondly, it seems she knows what she's doing because she has more money than ALL you game goofy dudes in the comment section!!!😅😅😅😅😅😅😅😅
FBA/B1
She looks average with it on lmao
@@waterdrops2135 You beat me to it lol
I made a G today.- joy
But you made it in a sleazy way - 2pac
Almost 30 years on, that's quite appropriate. Legend 👍💯.
I'm watching this stippers passion on the need for validation, even though she owns 6 properties, which tells me she's struggling. If those properties have mortgages, taxes, maintenance costs, or if she's not generating income, she could be struggling financially.
Yes! Real Estate is a long term play. You don’t really gain until you pay those properties off or gain a significant amount of equity!
Hence why she’s stripping
The guys paying for it own it
2008 housing bubble pop folks…a stripper tryna finance multiple properties. She’s cooked
Ain’t nobody dancing for fun lol in a strip club setting.
Childish thinking
Right! Those chicks are all miserable, and most of them drink and get high just to numb themselves to tolerate the job...lol
Exactly! If she's accepting the money then she's full of sh!t.
That’s a whore mentality.
A good example of faking it till you make it.
The woman has SIX properties. Hiw many you got red pill hater?
Exactly...
😅😅😅😅😅😅😅😅😅😅😅
You dudes are goofy....
FBA/B1
Women like Joy are the reason people are tuning off on these panel discussions.... She never shuts her mouth or listens to anyone. Talks over everyone. The audience can’t hear a damn thing and it comes across as noise. Please, please start muting these individuals when they won’t stop talking!!
This was why I stopped watching Lapeef. Same thing.
Women like Joy will be the destruction of our people.
@@johncalhoun916 That is the majority of Black Women lol. Already have destroyed our community, with this mentality.
She never had to learn to be a working professional yo. She a stripper, they don't each being respectful at magic city.
@@timboslice9905 FACTS
😶🌫️👀...6 properties 🏡🏘️🏠 and She still Dance 💃🏿!??..WTF..😂🤣
Yeah. Cap.
For “fun” 😂😂😂😂
@@Hollisty degrading yourself as a new favorite pastime
Math ain’t mathen.
Cappin' aint easy, but it gotta be done...apparently.
I don't understand how people who say they are rich only qualify themselves being rich in comparison to poor people. How about you compare yourself to other rich people.
🎯
Then the capping wouldn’t work
Exactly
The elephant in the room is that for the most everybody is in agreement that mostly likely this woman got this home from a trick
That's why she seems rattled.
Without a doubt there is some dude paying her mortgage it is ridiculous for her to expect the ride is never going to end
Yep, most gals do not buy real expensive items like ultra luxury real estate, luxury cars, it is usually a sugar daddy in the background......... since most people who own million dollar homes use their investments income buy and maintain it, whereas it is not worthwhile to use personal funds...even most millionaires do not own one, now there a multi millionaires that do....but is not financially prudent unless the person is in that category and can generate a stable income of at least double the purchase price of the home....
Also, owning a million dollar home is not the average in the US, even if the person lives in an area where every neighbor has one, the average home is about 300k to 400k...nationwide, it is a general number factoring most of the single family homes in the US, even though the are many exclusive areas throughout the US where that is not the case.
The things is that it doesn’t make sense for a single women to buy a million dollar home when trying to build wealth! Your primary home should not be looked at as an investment. It’s nothing wrong with her buying a house, but why one that cost 1 million? Take that 200k down payment and invest 170k of it. Get a much more modest home and put down 30k.
Lajoy says she strips for fun, but I have NEVER met a stripper who truly loves themselves and loves their lives. The majority of them drink and use drugs to numb themselves in order to tolerate what they do. I don't know her from the next woman, but I know that she's definitely not being honest about that.
Joy doesn’t love her job, trust me. She still wants to live her lavish life and her investments isn’t going to allow it to do so for her to fall back. She’s not making enough and ppl always want to front like they really have it like that. I have a brother who owns a bunch of properties and had to go back to work at fed ex to pay bills because it isn’t easy to maintain mortgages and other things.
Until you pay those mortgages off, it doesn’t pay much. This is what people don’t understand! By the time you pay the mortgages, upkeep, taxes, there is not enough left over to live comfortably which is why he had to go back to FedEx. In 15 years or 30 years he will be set depending on how long of a loan term he has.
2008 housing pop *cough cough*
Joy is so annoying, a Jezebel will always be combative.
DC girl was speaking facts she stated it about where you live, million dollar home is everywhere in dc, ny, Nj . The question is what you get for that million dollar home far as space. The stripper didn’t know what she was talking about to busy in her emotions
Micca is right. I'm between DC and Philly, and 1M in DC is average. But at the same time, who cares about the size of someone's mortgage or down payment? I never in my life heard someone flex on the size of a mortgage until now. The only flex is you qualified for a loan.
Down payment percentage is a flex in my book.
@@Chioma618 I guess, but if you can get a large percentage down payment up for a 1M home, then save some more to buy it or purchase a home a little cheaper.
Million dollar homes in cities are average. Brownstones in nyc go for 5 mil, nj homes start at $750k, California a million gets you a one bedroom
Ive tried to watch these panels videos, but i can never get to the end due to the rudeness and constant interruptions from the female panel members. These mixed gender panels are useless. The females ALWAYS get in their feelings and over talk everybody.
Dancing for fun to pay off this debt… a walking contradiction
These houses are not worth what you are paying for and that's facts.
Islandgyal starting to act like the ratchets to me
She Been Ratchet, & Always Wannabe Be Right, Over talk People and Downplay The Facts, Especially when it comes to Female Low IQ and Vibration
SURE IS
Don't know why people hype her up anyway, because she's light skin and half white. Not a big deal, half blacks running around everywhere.
She’s a chameleon
Always have y’all just blind cause she’s Anton #1 fan girl.
Why is bad debt such a flex?? 😂😂😂😂
Her ass is about to be down bad like it’s 2008
Joy will is about to pay 3 million for a 1 million dollar house. The banks played you.
Exactly
Joy is about to fuck her credit if she has that many properties off of loans and mortgage
Need better moderation use that mute button!
It’s strange how the ones who reject the need for validation are the same ones fighting for it the hardest. People that I don’t need validation from, I don’t even speak to, much less argue with 🤷🏾♀️
❤❤❤❤❤❤❤❤❤❤this
NOBODY STRIPS FOR FUN #foh
Can y’all tell her she’s above average so we can move on lol.
Anton you need to regulate with the mute button, especially these 304 loud mouths.
Shes hood rich to the fullest (iamlajoy), We all know being hood rich aint rich......
Most of us men just want a regular house with maybe two to three dream cars sitting in the driveway and we would be set for life. And we single guys with no kids just need a one bedroom shack sitting on top of of 10 car garage to put all our junk cars in that we love dearly.
Preach 🙏🙏🙏 louder 🗣️ for the congregation at the back of the church ⛪👍.
Dude, if that's all you want in life, then you're the perfect example of why black people haven't progressed.
Why you dudes settle for being the white mans labor I will never know...
When are you going to get TIRED of taking orders from white people??????????????
SMDH
F B A/B1
Second scenario sounds like GTA lol
With starter homes at 400k in most “desirable” cities in the south, are you sure you’re going to have three dream cars?
@@Aggie4life77 Ii was kind of over exaggerating a little. I got a Scatty, a half running 64 Impala and an old Honda Accord.
Fake it tillyou make it. 🤥
Joy wants to be important so bad, just shut and go take some etiquette classes.
Joy, I got $200 and some Remy Martin. What's up?
Most women get leveled up by a man. Im not mad at it but cant knobody cam flex on me when somebody else leveled you up.
Yes, it's possible to put 3.5% down on a $1 million home, but down payments below 20% usually require private mortgage insurance (PMI). For a $1 million mortgage, PMI can add about $500 to the monthly payment.
FHA has loan limits. In most states it's half that (500k). Plus whenever it comes to home prices just because the average house in your area cost 1 million. What percentage are renters in those areas. Renting a mill dollar home is MUCH less than putting a mortgage on it. Either way you have to have serious income unless you bought that house 30 years ago to be in that house. Everyone on the internet is a multimillionaire I guess.
That was Anton's point in the other vid. People floss online and show things (houses, cars, etc) but very few show the proof (tax returns, asset statements, etc) that they actually can maintain that lifestyle.
Not that they need to for anyone...I'm just saying it's easy to talk with no proof.
Joy girl is about to be fucked like it’s the 2008 crisis lol
@@user-mg8fn1bq9dRight, they can’t actually show anything of substance in terms of having money/wealth, just flash some 💵, nice clothes and cars and that’s enough to fool a lot of our people.
Anton I Love your content without the panel. The panel talks over one another. I get nothing from the discussion because everyone is cutting each other off.
Long handled garden tools thinking they’re high value because of their money is hilarious. There’s a reason why KS said there were six aspects of high value men.
Anton had to go get some advil from all that hyena howling in his ear.
Which woman could you pull off that panel red pill weakling?
Answer: none of them
You're game goofy, broke and insecure. Stop blaming sisters for your shortcomings as a viable dating option.
Use all that vitriolic energy and put in the work to get better....
FBA/B1
Strippers are average. So just be quiet Joy
Below average
How you gonna talk finance to a millionaire?
Not all millionaires can speak on finance if they can’t maintain it like many athletes lol
There are people that are worth millions (like Anton) with a broke ninja mindset.
I would never listen to the guy regarding finance.
I'm listening for entertainment only.
FBA/B1
There many people that are worth a million and up easily, muti millionaires, but they have broke ninja mindset like Anton Daniels.
I would never take financial advice from him.
I'm listening for entertainment ONLY.
FBA/B1
Mann it took alot of experience and life lessons while still learning at 36 but now adays I've learned to meet a girl like Lajoy and be perfectly fine forgetting her face and letting the next man have her if he wants that issue smh
RUPaul wants errbody to know that he payin on a million dollar house. We get it bro
Blessings to the brothers for being soooo patient with these women 🙌🏿✊🏿
Who’s paying that old bird to dance😂😂😂
U see what we are ... chaotic..
The DC woman is wrong because the houses prices went up to 1 mil. My family owned a home that cost them 90k in the early 80s. Sold it for 300k by 2000. The same houses, remodeled, is now selling for 6 million. Same space just new appliances and fixtures. These are really 100k homes at the most. The area made prices go up to where original people from the neighborhood couldn't afford.
That’s how all property work, it’s called inflation meets appreciation. Doesn’t change a thing.
Everybody in DC wanted to move to PG county instead of just remodeling their family home. Millions lost once again.
@TheBoogieman32 when there's an agenda. All property doesn't work like that. My family has other homes in the area that didn't have these results. Also own a condo in the part of DC that hasn't changed. That property isn't worth millions.
If it gets into a real-estate company hands it would @dionthornw9838
Everything is based on supply and demand
Do you own the property or the debt to the property.
That woman is a headache talking over people just to feel like she right owning a million dollar home and other properties trust me 😂😂 she don't own anything that man sitting next to her did all the work she just taking all the work for herself without any responsibilities 😂
6:32 Navy Fed will let you take out a jumbo mortgage of over 1 million with a 5% down payment. That down payment isn’t hard to get as a professional. But that monthly payment would be atrocious 😂.
That’s why MJ is the goat because people extracted his skillset of pump faking and fade aways and incorporated into their lifestyle! Everybody think they’re more than what they are! Pride before destruction. The same way you got your possessions can be taken from you as well!
Q and Micca the only women on the panel (Speaking) that got sense! 🖤✊🏽😮💨😮💨✊🏽
Getting money and keeping or being responsible with it are different.
😂 I laughed every time he said I'm not talking about you
As you can tell, she is not listening to one word he is saying on top of that she is being constantly combative and self-centered.
Q might wanna learn the game. It takes me about 30 minutes to get a $100k business loan. No collateral. Take $35k of that for the down payment to a home.
Now you have two loans with two different interest rates. Overall dumb idea it's like going to get a loan for a down payment for a car.
iamLajoy ain't fooling anyone....real name is iamLaMan 😅😅😅
This is simple. Median household income of $101,000 in the DMV area. Median house is 624k. If you can afford a million dollar home today with current interest rates even with 20 percent down is $6,600 A MONTH. You need a income of $220,000 to comfortably afford that. Making you well above average in income by double.
That stripper is full of crap she is banking on the fact that normies won’t question her ability to make money on a pole. There ain’t no way she is making that much money to pay for 6 houses without laying on her back too and having sugar daddies.
Or having dual incomes...which usually means marriage lol!
@@user-mg8fn1bq9d they don't like to hear that word 🫢
Man you need a after tax income of 220,000 to afford that! Try closer to 325k before taxes for a single person with no kids.
@@Ripside2 People forget that LOs qualify you based on gross income but life happens with net income lol.
Bruh in the DMV area the average home is $650-$675 K that’s average… it’s not a million that’s not average… and the Joy chick needs to strip because her reason is illogical
Look at it based off neighborhoods then it makes sense. If you try to look at the region as a whole, it makes no sense. I know plenty of people in the DMV in $1M+ average neighborhoods.
If a person has a $1M home then there are comps in the area within the same range. For some areas, that is even the low bar.
Bruh they just released a new census and you need 275k to raise a family of 4 in DC and 310k in Northern Virginia. Yes the average may be 625k but the million dollar question is what school districts are those homes in? Because go to Redfin and put in DC everything NW of Dupoint Circle is over $1M easy and your not getting a single family home in NOVA for a penny under 800k. The better the school district the more expensive the homes.
Dont let that headache back on the show please.
She doesn’t understand the concept of net worth. You can have a million dollar house and be worth less than someone with a 400k home 🤦🏾♂️
I mentioned the 200k down in the last video. Most banks will not finance you without that when you hit 1 million status. It comes down to this, you shouldn’t be buying that high of a home and can’t put down the 20 percent!
Black couples are winning. Traditional couples
IE: married couples
lol Anton idk how you can sit up and go back and forth with people .
facts i can’t listen to stupidity for too long
It's entertaining though. I mean, a stripper giving financial advice? Now make that make sense.
I live in nyc most people rent here, the average house costs 600k and up.
Average should be adjusted/considered for the locale based on cost of living/median home prices along with salary in that locale. The two will generally track together; the person making 30-40K in small town America is not typically in a housing market with median prices above 70K. So they should be able to save and put a 5-10% down payment toward purchasing the average home if they want to.
If you have a higher earning career in the small town market, you get way more bang for your buck. You can be above average in a sense, but not necessarily in a nationwide market.
Hence why you need to cooperate with the potentials in the locale you’re in for dating and marriage. Cuz your few dollars ain’t going global.
She said we got 6 properties. Who is we? Because I thought she was balling.
Why does Quinton's background look like he is being held hostage? 😂
Most people live in cities not in the states she named particularly states by the water
Micca sound like the pretty chick that gets in a room with another pretty chick then starts getting jelous for no reason.
The Trucking Guru also lived in a million dollar home.
When you got God you always win
This discussion is the purpose of education and understanding the fundamentals of life 🙄 7:50 - 7:57 if the couple or person possibly or may use the option of getting a loan their 401k 🤔🙄😁, so the 35k is possibly available may not be in a savings but from other saving avenues
So... million dollar homes in the DMV are NOT normal. Q called some of the richest states Podunks. And, that one mic rule applies to all...not to ones you wanna interrupt politely.
Her ego is tied to that house
Did this man just compare a car to a mortgage. Lol 😂😂😂
Purely from the debt standpoint and feeling you can buy (or get into debt) your way into being above average. Car loans and mortgages aren’t the same. But they are both still debt notes.
@@kcarter5823 most millionaires use debt as leverage for rental properties. I have a conversation/real estate company . OPM(other people’s money ). Never use your own money. Grant cardone never uses his money. Neither does Trump. So comparing a depreciating asset to a homes is ignorant
@@kcarter5823most millionaires and BILLIONAIRES use debt as leverage. Especially home debt
Stripping is an art
The minimum down payment for a jumbo loan is typically between 10%-20%.
People fake it to much 😡 Joy crazy
If you don’t own it then you are still in debt!! No matter how much you put down on it
She's capping because I have a custom home at 3.75 interest
You cannot own ANYTHING w/ a mortgage and consumer debt 😂 it’s mathematically impossible. Rent until you can BUY not mortgage a home. Business debt is a completely different situation
The lady named Lajoy is someone who is NOT COMPETENT with Money.
Lajoy was butt hurt inside over her ratchet lifestyle go get some counseling woman your the more you try to cover your shame it comes through
She doesn't even know how many properties she own is a telltale sign of she is just benefiting from a simp. The voice in the background is the check.
Do you own properties or are you paying a mortgages. Even after its after the home is paid for, you still have taxes, maintenance etc. You dont have PMI when you use VA home loan. I went to the state credit union in my area with my paperwork before signing it and they told me i had a good deal with my interest rate, etc. Joy will have a rude awakening. She's definitely one of those chicks Kevin Samuels was talking about. Thats why there's a chick and not a man sitting there with her boosting her on.
The Joy girl is doing the least amount of work possible and you let her tell it she really think she's working hard
Err body on this panel got offended at one point 😂
The western world is screwed...
I think Q should check the rankings of where states rank as far as being considered a "poor dunk state". Ohio is not considered a poor state.
Idk if there's an official list somewhere but off the top of the head, most ppl would put Ohio in that category
Oregon is VERY expensive lol. Folks ain't traveled this country.
@@harveymitchell5114 If Ohio is po' dunk, then 35 out of 50 states are po dunk. She is still right.
@Ripside2 💀💀 If 35 other states are considered fly over states then that'd be true. Let's not pretend like we dk why Ohio was talked about in that light
Regardless of what you put down, don’t you have to first qualify for a $1 million home? You’d have to be making 2.5 to 3 times that a year correct? What’s the mortgage note for a $1 million home?
She does not own a million dollar home. She’s too ignorant to what they’re stating
🗣 Like Tukay Said, Put Some Respect On Lajoy Name 🍿
Nope we don’t respect h ookers
😂She never multiplied her mortgage times 30 years
She just signed it
Wow
7:46 Q is right idk why they tryna argue when the average person living paycheck to paycheck and probably making $50k a year we know damn well they can’t afford a mortgage on million dollar home 🤦🏾♂️