@@themightydash1714 implying everyone makes enough money to keep a minimum of 100 USD (the standard of most banks) in their bank account even when only paying for bills and food is a far stretch to say the least
When going in minus you essential take a credit until your account is positive again. Source: Asked my banker about this There, I'm better than god now
The funniest one I ever got I got on my first phone when I was about 13. It was a beautifully quotable drunken message from a lady and her mom who were so beyond wasted that it sounded like they were speaking another language. My dad recorded it and we had the soundbite for years until my phone was eventually broken and we still quote it almost 10 years later.
I was there earlier this year. Hit 0, had insurance to pay for and other things, ended up at -290 and unemployed. Happy to say I'm not in that place anymore, and hoping the best for this man and anyone else going through this right now
the squeeze, things designed to make you feel anxiety ostensibly to force changes in behavior but in practicality just tend to add to ones problems and struggles.
It goes down to -45 because of obligatory payments like: subscriptions, monthly payments etc. It doesn't go lower than 0 when you try to pay normally. The extra fees are because it's a short time loan, this is expensive for the bank because it's for such a short time and it still needs administrative work. The extra fees are also to stimulate you to not be in debt.
The funniest one i had was talking to a indian scammer, so this dude was like saying he was the prince from liberia and what not, and he said that i won 5 million dollars, in order for me to claim it i needed to give him money to make out the payment, sounds dumb but it was funny.
Many years ago I had an epic voicemail from some girl who was upset her boyfriend broke up with her and she was trying to get him back. It ended with her crying and saying she didn't mean to sleep with his brother and friends.
Same here at my university library. Once 1 book is overdue, you can't extend the others. So if I'm on holiday, I pay 70€ instead of 7,50€ in the end. Especially because they don't except any online payment.
You don't know what a person is going through though. For all you know he lives in poverty and legit doesn't pay for a bunch of unnecessary stuff and is still broke
My family home phone number is similar to a bank, a heavy duty towing company and someone who owns a Volvo with an electrical problem. We’ve gotten some fun calls
Speaking as someone who works in the industry, overdraft fees are the bank's way to discourage people from spending money they don't have and encourage people to pay attention to their accounts. If your account is overdrawn, the bank paid for whatever purchase or bill you paid with their own money, and if they let people do that without a consequence some unscrupulous people would take advantage of this and draw the bank empty, which hurts everyone who banks there. Most banks these days offer the ability for people to set overdraft preferences, such as transferring funds from savings instead to avoid overdraft fees.
1. Get an account with a Credit Union or local bank that does not charge fees for basic banking. 2. Ask them to set up the account so your card will be declined or use savings account as backup if your checking goes in the negative. 3. Most financial institutions offer mobile banking to help you keep track of your money. Good luck, money goes faster than it comes.
I thought he was calling the wrong number, then thought he had financial trouble, then found out he was a fan.
Nice nice nice.
Nice Nice Nice
Nice, nice, nice. I love that, it makes me burst into laughter. Crazy man...
Isn't "Nice nice nice" a thing Ryan Wattsohn of Super Megaman X says?
Nice Nice Nice
??
Never have I felt such a connection to someone I've never met in my life.
Yes. I felt the connection as well.
You guys are meant to be, heck, I'll join you, I resonate!
“I can’t even afford to be broke!”
Wouldn't that mean you're rich?
im so poor i cant even pay attention.
I see theres another louis ck fan
@@ecpcharles "You have so much money you should have more! Here, take this guy's $15!"
@@ecpcharles
i admit. my joke is not original. i cant give credit because i forgot how to google things.
“Can someone explain to me this nonsense”
- Me at school
RainbowSplash11 But she was going at sonic speed 😂
You can probably understand it with a little help from your friends.
St. Beatles, this comment is so dumb! Got me giggling like a fool though, so thank you! 😊
St. Beatles Nah bro, that’s me when I have to use *Pearson Realize*
HAHA guys get it? he said a school is bad very relatable joke!
The "THANK YOU" at the end is so in your face. Good on this guy for using your platform to ask a question though.
Love them or hate em, this man is actually spitting straight facts
What the hell I just saw a comment saying the exact same thing
Underrated comment well done
How could one hate this? haha
Nice nice nice
More like Straight FAQs
0:38
after all that he just gives the cutest "thank you" ever lmao
Fr so wholesome
I got a voicemail the other day saying “irs... uh... your government hates you”
Nice nice nice
XDD
It’s a rogue IRS agent
You spell Somers “wrong”
Far too accurate to be from an actual IRS employee. They'd never let those under their employ speak the truth.
This is definitely someone from Quebec
Source: I'm from Quebec and I speak exactly like this
vraiment
Lets go maaan
Keep it up man! Nice, nice, nice.
As someone from Newfoundland I can confirm.
I thought it was the typical Indian accent. Wow.
This man is droppin’ straight truth bombs
or... keep money in your account, read your terms and dont spend on things you cant afford... simples.
The Mighty Dash learn how to spell
@@themightydash1714 are you portuguese or brazillian? I recognize "simples" from portuguese
@@themightydash1714 implying everyone makes enough money to keep a minimum of 100 USD (the standard of most banks) in their bank account even when only paying for bills and food is a far stretch to say the least
@Jay Blake that right there is far more toxic than what he said sooo
top ten questions science still can't answer
When going in minus you essential take a credit until your account is positive again.
Source: Asked my banker about this
There, I'm better than god now
@@happydog8678 Bro, I think you lost your sense for humor
kowaletzki If you’re better than god, does that make you god-emperor?
@@declanedmison5442
Perhaps
The funniest one I ever got I got on my first phone when I was about 13. It was a beautifully quotable drunken message from a lady and her mom who were so beyond wasted that it sounded like they were speaking another language. My dad recorded it and we had the soundbite for years until my phone was eventually broken and we still quote it almost 10 years later.
Talking about the little pleasures of life... Nice, nice, nice.
What's the quote? You have me at the edge of my seat!!
I wanna know the quote too!
When you just feel like checking your spam and you hear this
this man is a representation of everyone dealing with finance for the first time lmao
What a legendary french canadian man
Et oui, euhhh... Je suis euhhh, je suis allé à, euhhh, la banque, et euhhh...
@@pelzac4447 How do I bookmark comments
"Nice, nice, nice" 👌
I'd recognize that quebecois "let's go man" anywhere!
Nice, nice, nice.
"Can there be any other way?"
Yoda: there is another...
Hey. I really love how you post content that's completely different from anything else on UA-cam. Really refreshing. Keep it up.
In South Africa, it has recently been outlawed that banks can charge you fees when you already have no money.
This week is national teller appreciation week, so this clip is actually very fitting.
this should've been the whole documentary
This voice mail is actually just the inciting incident for the 2007 movie "How to Rob a Bank (and 10 Tips to Actually Get Away with It)"
Ah 5 seconds in and I already relate.
Someone tell him THE PRINCIPLE BEHIND THIS
I was there earlier this year. Hit 0, had insurance to pay for and other things, ended up at -290 and unemployed. Happy to say I'm not in that place anymore, and hoping the best for this man and anyone else going through this right now
You gotta make a video titled: “How to survive a nonsensical bank account”
*When you don't have any ideas for a video, so you post your voicemail*
still a fun vid tho
pretty sure he is working on a video rn.
That's a thick and lovely Québec accent or my name isn't Alex.
He goes from borderline incoherent to 500 IQ when he thanks you
Nice, nice, nice. ❤💓
My friend needs to get in a Credit Union
This was such a big problem in the UK we kicked up so much fuss that the government had to stop the Banks from charging these fees.
This channel continues to intrigue me...
I love it...
Nice, nice, nice.
The fundamental question of capitalism: how do you take more money when there is none left to take
this sounds like an interlude in a frank ocean album
This deserved to be its own video, I got annoyed with sending the full video with a time stamp
This dude is clearly from Québec! Nice!
the squeeze, things designed to make you feel anxiety ostensibly to force changes in behavior but in practicality just tend to add to ones problems and struggles.
I'd like an answer, too.
Also, that was fantastic.
love him or hate him, he's spitting straight facts
Either you copied someone's comment or they copied yours
that was the sweetest end of a phone message I've ever heard
I've seen many of your videos, but this is the one that convinced me to subscribe
Thank you! Keep the work up man...
Nice, nice, nice
*Wholesome*
This was also one of my favorites when watching the documentary, hahaha
I remember hearing this in the voicemails from strangers movie
I called a subway once and started asking questions about when my insurance expires.They even told me it was subway but I continued.
“Thank you, Austin McConnel keep it up, nice work man. Nice,nice nice”
Thank you Austin, very cool!
It goes down to -45 because of obligatory payments like: subscriptions, monthly payments etc. It doesn't go lower than 0 when you try to pay normally. The extra fees are because it's a short time loan, this is expensive for the bank because it's for such a short time and it still needs administrative work. The extra fees are also to stimulate you to not be in debt.
its pursuit of happyness all over again
he a little confused, but he got the spirit
You're almost at 1M, Austin!
That's a fellow froggie.
So close to 1 mil! Been with you since low five digits.
Looool yeah the guy speaks sense 😂😂😂
The funniest one i had was talking to a indian scammer, so this dude was like saying he was the prince from liberia and what not, and he said that i won 5 million dollars, in order for me to claim it i needed to give him money to make out the payment, sounds dumb but it was funny.
Ah, the old trick of the african prince.
Seems legit
The best one I got was a caller who informed me I had just won two Mercedes!
Stanislav Petrov i hope the OP asked for a giant gummi lizars
I loved this one from the film
For a second I thought it was a spam caller telling YOU that you had negative 45 dollars in your account. Epic!
Many years ago I had an epic voicemail from some girl who was upset her boyfriend broke up with her and she was trying to get him back. It ended with her crying and saying she didn't mean to sleep with his brother and friends.
Ok but this man is asking the real questions.
That thick quebecois accent 😂😂😂
So in essence the bank is saying, "Hey, listen pal ... whenever you do get back on your feet, WE'RE COMING FOR YOU!"
4chan please help this man!
I actually want this video now.
That guy is the proof that Indian guys can be both extremely smart and extremely hilarious.
Thank you Austin for posting this nice, nice, nice man. I'll come back if I'll be sad one day.
Me too, bro. Me too.
So french, I fucking love it. Also, the fact that having less money costs more is pretty wild. That's banking for ya.
wha- i thought this was like a wrong number until he was all 'hey austin!' and then i just fuckin lost it hahaha great video lmao
If something is free, he can't afford it.
So I am confusion!
I once got a voicemail from this old woman saying that she had cancer and she mistook me as her caretaker. I hope she still okay.
You have an overdraft, that'll be 45 dishonors.
Ah yes the good ol "Honor system" at my bank always gets me out of debt
Maybe you should do an entire video on how banks, specifically interest and fees, work.
Same here at my university library. Once 1 book is overdue, you can't extend the others. So if I'm on holiday, I pay 70€ instead of 7,50€ in the end. Especially because they don't except any online payment.
- Me 2019
His accent is French
idk why but it makes it 10 times better
Not quite. It's a Quebec accent, which isn't really the same thing.
I REMEMBER THIS GUY! Dude rules! Even better, most of the comments in that video answered his questions.😄
I’m getting strong Jason Mendoza vibes from this lol
Spittin straight facts.
Sees video title
Is that a challenge, Austin
My first thought exactly...Nice, nice, nice.
When I heard this in your Voicemail movie I didn't understand it at all haha
"there is no money in my bank account"
this must be a malaysian or singaporean accent!
Shyen Sounds French to me.
I thouhgt it sounded a lot like a french canadien accent! Especially the way he says "money"
It's from Québec, it's the exact same way we speak english 😂 (I'm from Québec myself)
Shyen it’s not
Malaysian here, it does resemble our accent but also kinda not? Idk
Kansas and Arkansas
“Can someone explain to me this nonsense”
(Dude from the voicemail, you should try to minimize your spending on unnecessary stuff)
You don't know what a person is going through though. For all you know he lives in poverty and legit doesn't pay for a bunch of unnecessary stuff and is still broke
@@DJVevyVevs Yeah, even my own family who's doing alright oftentimes accidentally overcharges and gets fee'd to all absolute hell.
I am confusion
"Nice, nice, nice"
Banks: Ah yes, you say you have no money? Well, congratulations! Now you have *no no* money!
100% he's a Quebequer
Me when we start learning negative numbers in school
It’s actually not all that bad, lol.
My family home phone number is similar to a bank, a heavy duty towing company and someone who owns a Volvo with an electrical problem. We’ve gotten some fun calls
Holy CRAP!
The prince of Nigeria!
Speaking as someone who works in the industry, overdraft fees are the bank's way to discourage people from spending money they don't have and encourage people to pay attention to their accounts. If your account is overdrawn, the bank paid for whatever purchase or bill you paid with their own money, and if they let people do that without a consequence some unscrupulous people would take advantage of this and draw the bank empty, which hurts everyone who banks there. Most banks these days offer the ability for people to set overdraft preferences, such as transferring funds from savings instead to avoid overdraft fees.
Y'all I felt this voice mail on a spiritual level bro
I love your vids.
I dont have to pay any bank charges.
I love love love your videos
I got a voicemail from an elderly woman asking where to buy a brand of cat food.
1. Get an account with a Credit Union or local bank that does not charge fees for basic banking.
2. Ask them to set up the account so your card will be declined or use savings account as backup if your checking goes in the negative.
3. Most financial institutions offer mobile banking to help you keep track of your money.
Good luck, money goes faster than it comes.
"If it's free I can't fucking afford it!"
This is the truth. I feel this dude, I know his pain. The banks are fucked up.