I call bullcrap! You wish that half these places would answer the phone even half that fast! Great video though, and very accurate on what it's like when you have to do this stuff for the first time on your own.
@@invarian_off reminds me of a joke a comedian I can’t recall the name of made once- he was like “why are there no documentaries about normal people? Every documentary is about a freak on the search for the perfect piece of sushi or something. There should be a documentary that is just about some guy and the big arc is that at the beginning of the film he thinks he might have cancer and it turns out he doesn’t. And that’s the movie” lol I wish I could remember who’s bit that is
Yes. Not very accurate. This would never happen. Your parents automatically tell you which insurance to get. You have no say in the matter All in all, a hilarious skit
@@davidwuhrer6704 It's a pretty unfair test... usually when I take an exam the front page is covered with all the instructions I need. And usually the exam comes after a course teaching me everything I need to know.
3:29 Ah yes, you can actually throw one pack of gum at 50% power for each coupon he was trying to use, plus one more because he was trying to pay by check, which means 9 in total. And if you limit yourself to 25% power then you're also allowed to pour a can of soda over his head.
And if he is using eight coupons can I use a specially designed crossbow to fire a pack of gum at the equivalent of 400% of the power of my hand held throw?
@@woerkntwerk5245 Yes, but only if up to half of the pack of gum is fired at a time to ensure that one pack of crossbow gum does not exceed the damage of eight packs of hand gum.
@@hamingnu6610 Probably if you have a social security number or whatever the US use. The CRA in Canada definitely knows since everyone looool, no hiding.
@@__Hmmmmmmmm__ did you know our SSN wasn't supposed to be used to I.D. ourselves in the U.S? The reason why it is used as it is is because we keep putting lazy people in charge
So basically if I open a one stop solution for all the problems Zack listed in this video, I am so goddamn sure a lot of people will pay me just to make this seamless and just 1 payment to manage all of it.
I believe that in terms of cost it will be very expensive for your clients and you'll go bankrupt fairly early into that business. The problem is that you'll have to make either the general or most constly plans for all your clients of you'll have psycho analyze each client in order to hopefully make the best decisions in their stead. It's a very complex style of business. You'll have to be an absolute expert and limit the options available significantly to be able to have enough clients and be able to manage it it terms of time. Good luck making tons of money for bs that isn't always even necessary. And btw, if you or anyone are interested in part of how these problems became what they are, I recommend reading The Paradox of Choice. It's pretty fascinating and will make you and your future business hopefully more customer friendly by limiting options and make your choices in life far easier to make if there is an overwhelming amount of options to choose from.
That stuff about insurance claims is sooo true. Like, if a wild moose runs through your living room window and bleeds to death on your carpet while kicking your sofa and table to shreds, it's not covered. Why you may ask? It's caused by a wild animal. If was your drunken neighbors, it would have been fine, but wild animals? Nope.
@@amirhosseinmaghsoodi388 I believe the first insurance was to cover fires a curtain city in England. It's been a long time since I heard the story but basically some guy realized that if he charged everyone he could pay for the houses when a single section of the city burns down. Turns out fire and other human caused issues are pretty consistent when your averaging it over a large area (because humans behave very predicable when in large datasets). Natural disasters on the other hand hit the entire area sporadically causing larger payouts in ways you can't plan for financially.
@@amirhosseinmaghsoodi388 Yup, basically natural disasters are a whole separate category because the insurance company would get overdrawn with claims and just go bankrupt instead of actually covering the things they're supposed to cover. Insured assets are bundled as a whole, but not individually, so the company would go bankrupt, someone else buys up the accounts for pennies, does a bit of claims adjustment, pays out some of the claims and denies the others. And everyone gets screwed, no one is happy, and its business as usual.
@@commentbot9510I'm about to turn 28, and I still can't do any of this without help from professionals, and even then it takes me two weeks and I cry a lot.
You forgot the part where they don't pay you a living wage and apartments want you to work two full time jobs to even be considered because you have to make "two and a half times rent monthly" which usually means $2500+ if you wanna live alone in a apartment that costs roughly $1,100 a month for a 1 bed 1 bath, depends on the housing market in your area but it can get even more ridiculous than $2,500 a month
@@thesong7877 I'm sorry did you mean to put 40 or did you mean 4? because who the fuck rents an apartment and also makes $44,000/ month or more? I mean 4 is insane too.
I’m pretty sure that 2500$ isn’t hard to come by in the states since pretty much everyone I know there makes significantly more what do you mean living wage for
The insurance doing everything they can to get out isn't even close to reality, it's much much worse than that. I remember my dad tries to make a claim because his water pump died the day after Christmas. Obviously we didn't have water, Progressive told him they'll file a claim but it won't be looked at for around 2 weeks "because it's not an emergency" That and he called to see when his rate was going down because after 10 years and no claims he got "well how much lower do you want it" like my dad's an asshole for trying to get a better rate.
Despite some of the questionable things that some of those businesses wanted, the most unrealistic part of the video is that he didn't have to go on hold for 30+ minutes just to get to the person lol
I'm sick of infomercials. It's not cute, quirky or amusing. If they don't make enough money with these videos then maybe they all need to go get real jobs.
Is there anyone who thinks that there should be a class in school where they teach you how to do stuff like in the video cause I’m like almost a year into college and I have no idea how to do adult stuff other then applying for fast food jobs, and filling out income taxes.
It sure would be hella handy to know all this stuff, but I also sure know that most kids, including myself, would likely not have cared for that one bit and/or forgotten about most things by the time they needed them, simply because the actual adult life must feel incredibly unrealistic to most teenagers in school.
When I was in highschool I at least learned how to write checks, balance a checkbook and do stocks. I don't bother much with checks nor stocks but it did help me understand that things were going to get very complicated.
I had a class called “adult roles and responsibilities”, but it was such a joke. Especially bc it isn’t necessary to you in hs, so you don’t have a reason to pay attention and don’t retain the info. Plus times change so quickly. Like we learned how to file our own taxes and write checks, but no one does that anymore. It’s irrelevant to high schoolers.
I thought this was going to be a video about how people who complain about adulting are lazy or whatever but this was a nice surprise. And very relatable.
I'm 20 and I've been dealing with this type of shit for 2 years now, and I still haven't covered much beyond job searching and DES. Why doesn't school teach any of this?
I have literally no idea how he made this so funny. I haven't laughed this hard in a long time and then showed it to my dad and we both were laughing super hard by the end of it. Practically a perfect sketch imo. This was amazing
The protagonist has a superpower of being able to get any type of business by dialing random numbers, and by filling out a “few” “simple” forms I’m sure he could turn that into a great business opportunity.
I've been doing this for about 2 years, I've given up on caring about the future and only care about the now. so literally just enjoy the freedom and worry about the problems when they come
But that’s exactly how the problems come…bad advice. It can be prevented in the FIRST PLACE and you’ll get smarter. Think about that when they come for your car, anything paid for by credit card and pet emergencies…all while being broke. It’ll add more stress dude.
I've gone the third route. I live in a car and fix appliances for parking spaces and money. Of the 13 hours a day I am awake I clock about 40 minutes of work on a busy week. My bills are $100 a month plus fuel. Food isn't hard to find. The only things I miss are sleeping with my legs straight and running water.
Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. It provides liability insurance and the tenant's personal property is covered against named perils such as fire, theft, and vandalism. It also pays expenses when the dwelling becomes uninhabitable. Due to renters' insurance existing mainly to protect against losses to the tenant's personal property and provide them with liability coverage but not to insure the actual dwelling, it is significantly less expensive than a homeowners' policy. The owner of the building is responsible for insuring the dwelling itself but bears no responsibility for the tenant's belongings.
As someone who worked at geico for 6 months I can 100 percent confirm that is how people talk to you when you work for a car insurance company. If you aren't threatened at least once a day you leave feeling weird and like something terrible is going to happen to make up for it
My dad was smart and slowly eased me into it. By time I was 16 I was paying half of my own expenses and bills. I paid all my own car insurance and saved up to buy my car and phone plan. Then I moved out and got my own apartment at 18.
I live with my parents because I am ok with living with them. I am 22 and we have several houses. I could move into one by myself if I wanted to and knew how to take care of myself.
My parents had me do similar. By college they had me finance my own laptop so they could cosign and I could build up my credit. I have excellent credit to this day.
For all you youngins out there, I can assure you this is 100% accurate although it did leave out the joys of watching the value of your bank account wither away due to grossly unhinged government spending
Zach, I just finished engineering school and started adulting and realized my hair is actually falling. I will take advantage of your advertisement. Your video is spot on brother!
If "adulting" is hard, "senior citizening" is even harder! Add to the pic social security, medicare, doctors, hospitals, retirement, prescriptions, funeral planning, etc.
I've been an adult for nearly 15 years and still struggle to understand half of this, lol. Only just moved out from a private landlord to a regular apartment last year and had to get renters insurance (and yes, they want me to bundle it with my car insurance 😂). My car insurance is up for renewal so they called me to try to lure me over. Thing is, they're offering the same rate or a little higher than what I currently pay. I like the two bills being separate so I can ensure I pay them on time. If bundled, that's more money I have to pay at once. I also love how they real ass have add-ons you have to specifically mention for "acts of god", or things lost due to weather. Often times, flood insurance ends up being something way more expensive on its own, so if you own a house, for example, you must specify with your home insurance that you want flood insurance. The regular insurance might cover for the fire, burglars, a tornado, anything else. But any flood damage or water damage? Nah. Health insurance is also where I get confused but I just look at it as, I get sick rarely, but freak incidents can happen, like needing a blood transfusion a few years ago. So, I go with the middle plan offered. Not the lowest, not the highest, nothing with an HSA as I'm not likely to need one (I mean, I might, but I'll roll the dice on that). And retirement plans are hard to understand. Right now, I'm just going to get my workplace's 401K since their contribution rate is alright with matching 50% of your contribution up to 6% of your paycheck (which, between insurance and eventually buying company stock at a discount, 6% is about all I'd probably want to contribute each paycheck). Great video, it's definitely treacherous those first few years to get your bearings, lol.
Friendly reminder that insurance companies make things confusing on purpose so you get worn down and just agree to whatever. It's not your fault, it's theirs. Also, the health insurance industry should be rendered obsolete lmao
Dread. Especially in the USA. Europe is a bit easier (better labor laws and customer protection laws) AND you can buy your own drinks when you're 18... Oh, and taxes are significantly easier.
@@Hyblup Well, if You lived through the Australian fauna as a kid You are probably a little more prepared to face dread then an average European ;) Our spiders are wimps ;)
Oh, Same. The Confusion I have renewing my Lease, Renters Insurance, Electric, turning on Internet, and Utilities every Year. When I got my first Apartment, I Signed and Initialed, and no joke, 52 Pages. My Escape is watching this. Thank You.
As a cashier, I can confirm: people will try to stack 5+ coupons on an order and then split payment up among several methods, but once it goes to them using 3 cards, I'm "supposed to get suspicious" of them.
haha, yeah, for sure. now heres the trick to avoid all that: have a global pandemic happen just as you turn 18, forcing you to keep living with your parents for 3 more years, which is also a strategic move because you cant get a job with which you could afford your own place and youre in university, resulting in you not learning any of this (except the salary part) and feeling like a failure at 21. just hypothetically speaking.
@@scoundrel7011 im trying to focus on being good in uni and keeping up with studying. gotta work with what you got, and try being nicer to yourself. none of this is on us. we'll still be able to learn these things when we need them.
Yeah my parents never even thought to teach me any of this stuff. People just kind of expect you to grow up and figure everything out. Then they get mad when you make mistakes or take too long.
This is why I get so pissed off at boomers because they will literally teach you ZERO LIFE SKILLS but they will also belittle you for not knowing how to live as an adult when you were taught nothing about adult hood as a kid or teenager. This video hit me hard bro like I was never taught what taxes are, home repair, importance of saving money, education, I’m playing catch up.
there’s actually a required course called Personal Finance in my state that covers a lot of this! unfortunately our guidance counselors push everyone to rush through it, i took it online and only paid attention after failing a quiz the first time… it was probably really useful :((
Oof, didn't even cover the internet package promo where you have to call them once a year to personally complain to a rep until they give you a $20 / month discount, and no you can't just get the standard discounted rate for forever, you Need to call in and complain every 12 months..
" are you the head of the household "
*_"NO I'M KING OF THE JUNGLE"_*
Times used to be easier when this Titel meant something...i miss Tarzan
That got me to burst out in laughter
I lost it lmaoooo
~~In the jungle the mighty jungle the lion sleeps toniiiiiiiiiight~~
Thanks for telling me exactly what the video said.
I’m about to go adult next year and to be honest Zach, you’re not helping me stress less about it.
remember: no amount of anxiety has any effect on what is inevitably going to happen
wanna know a secret kid?
No one knows what the f*** we're doing.
No one.
Not a one.
Relax.
Nothing matters.
They guy on the other end of the line is adulting too. Dont fret it lol
ehhhh. its not actually all that bad. a little confusing at first.
I'm in my mid twenties and it's been a trip. I've just done e erything one step at a time
I call bullcrap! You wish that half these places would answer the phone even half that fast! Great video though, and very accurate on what it's like when you have to do this stuff for the first time on your own.
This would’ve been a feature length film if he made things as slow in the video as they are in real life lol
@@zenleeparadise Would’ve made a great documentary though 🤔
@@invarian_off reminds me of a joke a comedian I can’t recall the name of made once- he was like “why are there no documentaries about normal people? Every documentary is about a freak on the search for the perfect piece of sushi or something. There should be a documentary that is just about some guy and the big arc is that at the beginning of the film he thinks he might have cancer and it turns out he doesn’t. And that’s the movie” lol I wish I could remember who’s bit that is
Yes. Not very accurate. This would never happen. Your parents automatically tell you which insurance to get. You have no say in the matter
All in all, a hilarious skit
You could make a movie on this
Entering adulthood is like being told what you need to do without being told how to F*CKING DO IT!
This life is only a test. If it was a real life, you would have received instructions where to go and what to do.
I am 22 and my life is the same as before
@@davidwuhrer6704 It's a pretty unfair test... usually when I take an exam the front page is covered with all the instructions I need. And usually the exam comes after a course teaching me everything I need to know.
@@theeyehead3437 Life is the worst teacher. It gives the exam first and the solutions afterwards.
@@mapofthesoultagme7143 and that's bc of privelege
3:29 Ah yes, you can actually throw one pack of gum at 50% power for each coupon he was trying to use, plus one more because he was trying to pay by check, which means 9 in total. And if you limit yourself to 25% power then you're also allowed to pour a can of soda over his head.
Glad someone remembered the specific rules. I chuckled, but couldn't remember the specifics of what he could throw.
The Zach UA-cam universe is coming together
And if he is using eight coupons can I use a specially designed crossbow to fire a pack of gum at the equivalent of 400% of the power of my hand held throw?
@@woerkntwerk5245 Yes, but only if up to half of the pack of gum is fired at a time to ensure that one pack of crossbow gum does not exceed the damage of eight packs of hand gum.
Superior comment
"We literally just stood up, the camera went to black real quick..." Hilarious! Adulting is so fun.
If By Fun you mean Depressing Than Yes
@@jerryokazaki8626Yes that was the joke
I just filed my taxes by myself for the first time and this is pretty accurate looool
I just *didn't* file my taxes for the first time, so none of this applied at all. 😎 (The IRS currently don't know my address, do they?)
@@hamingnu6610 Probably if you have a social security number or whatever the US use. The CRA in Canada definitely knows since everyone looool, no hiding.
@@__Hmmmmmmmm__ did you know our SSN wasn't supposed to be used to I.D. ourselves in the U.S? The reason why it is used as it is is because we keep putting lazy people in charge
Imagine paying taxes.
Same 😂
So basically if I open a one stop solution for all the problems Zack listed in this video, I am so goddamn sure a lot of people will pay me just to make this seamless and just 1 payment to manage all of it.
Yeah, an administration service would be great, but i donno how easy/hard it would get. Nor for the cost. Nor if it's even legal.
I believe that in terms of cost it will be very expensive for your clients and you'll go bankrupt fairly early into that business. The problem is that you'll have to make either the general or most constly plans for all your clients of you'll have psycho analyze each client in order to hopefully make the best decisions in their stead. It's a very complex style of business. You'll have to be an absolute expert and limit the options available significantly to be able to have enough clients and be able to manage it it terms of time. Good luck making tons of money for bs that isn't always even necessary.
And btw, if you or anyone are interested in part of how these problems became what they are, I recommend reading The Paradox of Choice. It's pretty fascinating and will make you and your future business hopefully more customer friendly by limiting options and make your choices in life far easier to make if there is an overwhelming amount of options to choose from.
So you are going to bundle more than car insurance and renter insurance?
It's called a government.
so what's it like being an optimistic 20 - 25 year old?
That stuff about insurance claims is sooo true. Like, if a wild moose runs through your living room window and bleeds to death on your carpet while kicking your sofa and table to shreds, it's not covered. Why you may ask? It's caused by a wild animal. If was your drunken neighbors, it would have been fine, but wild animals? Nope.
Weird that things that are caused by people who can pay up is covered but animals and natural disasters which can not pay up is not covered.
"Good news, you're covered. Bad news, you haven't hit your $10,000 deductible yet."
@@amirhosseinmaghsoodi388 I believe the first insurance was to cover fires a curtain city in England. It's been a long time since I heard the story but basically some guy realized that if he charged everyone he could pay for the houses when a single section of the city burns down.
Turns out fire and other human caused issues are pretty consistent when your averaging it over a large area (because humans behave very predicable when in large datasets). Natural disasters on the other hand hit the entire area sporadically causing larger payouts in ways you can't plan for financially.
@@viperstriker4728 thanks for the info. It was nice to see the logic of this illogical behaviour.
@@amirhosseinmaghsoodi388 Yup, basically natural disasters are a whole separate category because the insurance company would get overdrawn with claims and just go bankrupt instead of actually covering the things they're supposed to cover. Insured assets are bundled as a whole, but not individually, so the company would go bankrupt, someone else buys up the accounts for pennies, does a bit of claims adjustment, pays out some of the claims and denies the others. And everyone gets screwed, no one is happy, and its business as usual.
2:45 I hate when my boss cuts the camera to black in my trainings!
I remember my first attempt at adulting. That was the most stressful 8 seconds of my life. I might try it again one day.
This is why I’m a 20 year old child
Same
Same
@@commentbot9510I'm about to turn 28, and I still can't do any of this without help from professionals, and even then it takes me two weeks and I cry a lot.
You forgot the part where they don't pay you a living wage and apartments want you to work two full time jobs to even be considered because you have to make "two and a half times rent monthly" which usually means $2500+ if you wanna live alone in a apartment that costs roughly $1,100 a month for a 1 bed 1 bath, depends on the housing market in your area but it can get even more ridiculous than $2,500 a month
I've seen apartments that required you to make *40 times the rent*. Bloody insane.
@@thesong7877 I'm sorry did you mean to put 40 or did you mean 4? because who the fuck rents an apartment and also makes $44,000/ month or more? I mean 4 is insane too.
I’m pretty sure that 2500$ isn’t hard to come by in the states since pretty much everyone I know there makes significantly more what do you mean living wage for
@@thesong7877 per year so pretty standard
@@luisandrade2254 even at $15/hr a 40 hour work week is only $2400/mo
“Do I need life insurance to commit suicide or can I just-“ 🤣
The Canadian government will do that for you now.
@@lastswordfighter I always did want to go to Canada one day 🇨🇦
As a Certified Adult with 10 years of experience, I can attest to the fact that video is 100% factual.
The insurance doing everything they can to get out isn't even close to reality, it's much much worse than that.
I remember my dad tries to make a claim because his water pump died the day after Christmas. Obviously we didn't have water, Progressive told him they'll file a claim but it won't be looked at for around 2 weeks "because it's not an emergency"
That and he called to see when his rate was going down because after 10 years and no claims he got "well how much lower do you want it" like my dad's an asshole for trying to get a better rate.
A progressive fucking someone over? Never! lol
Despite some of the questionable things that some of those businesses wanted, the most unrealistic part of the video is that he didn't have to go on hold for 30+ minutes just to get to the person lol
I’m crying. I can’t tell if I’m laughing too hard or if this is just a reflection of the reality we live in.
*"2/3 Men AND Jada Smith will experience hair loss by the time they're 35 years old"
😂
Seamless transition to the ad! as always! I KNOW! It's like he practices it!
I'm sick of infomercials. It's not cute, quirky or amusing. If they don't make enough money with these videos then maybe they all need to go get real jobs.
Is there anyone who thinks that there should be a class in school where they teach you how to do stuff like in the video cause I’m like almost a year into college and I have no idea how to do adult stuff other then applying for fast food jobs, and filling out income taxes.
It sure would be hella handy to know all this stuff, but I also sure know that most kids, including myself, would likely not have cared for that one bit and/or forgotten about most things by the time they needed them, simply because the actual adult life must feel incredibly unrealistic to most teenagers in school.
Then I think it would be better if they do it in higher grades for example your graduating grade. Then the pupils might take it more serious
When I was in highschool I at least learned how to write checks, balance a checkbook and do stocks. I don't bother much with checks nor stocks but it did help me understand that things were going to get very complicated.
I had a class called “adult roles and responsibilities”, but it was such a joke. Especially bc it isn’t necessary to you in hs, so you don’t have a reason to pay attention and don’t retain the info. Plus times change so quickly. Like we learned how to file our own taxes and write checks, but no one does that anymore. It’s irrelevant to high schoolers.
There's consumer math in highschool
I started adulting at 18/19. Fast-forward 10 years later and it is routine. It can be a bitch at times but very rewarding 👌 well done Zach spot non
nah I’ve been doing it about 6 years and it blows
You must have a lot of money 😂
14 years for me. Still haven’t figured out half this stuff
Wow you guys really suck at bring adults 🤣
The only rewarding thing about adulting is being able to trade stocks, the rest is just a waste of time.
I started laughing and then slowly started realizing how completely unprepared I am for when that time comes.
"Are you head of the household?"
"No, im king of the jungle, what the FUCK are these questions?"
I thought this was going to be a video about how people who complain about adulting are lazy or whatever but this was a nice surprise. And very relatable.
I'm 20 and I've been dealing with this type of shit for 2 years now, and I still haven't covered much beyond job searching and DES. Why doesn't school teach any of this?
That's what I'm trying to figure out.
@@matthewventer8932 few comments above: But then how could we be taken advantage of by the government and our employers?
that's why
This is actually a really educational video, and all high school students should be required to watch it before graduation.
I graduate in 2 days and all i got from this video is that i wont understand anything
“Yeah, but remember the store motto? Figure it the fuck out?” This fucking got me man lmao
You know you are really adulting when you actually call someone.
I have literally no idea how he made this so funny. I haven't laughed this hard in a long time and then showed it to my dad and we both were laughing super hard by the end of it. Practically a perfect sketch imo. This was amazing
I'm 38, I own my home and I'm still trying to figure out this adulting crap. 🤣
It’s like having children in their 40s still bugging you for various reasons. It’s like “Oh my! Will this having children crap EVER STOP?!” 🤣
The apartment one definitely got me. I remember being just as confused when asked for all those things.
You know it’s gonna be a good day when we get a new Zach Star video
The protagonist has a superpower of being able to get any type of business by dialing random numbers, and by filling out a “few” “simple” forms I’m sure he could turn that into a great business opportunity.
I've been doing this for about 2 years, I've given up on caring about the future and only care about the now. so literally just enjoy the freedom and worry about the problems when they come
But that’s exactly how the problems come…bad advice. It can be prevented in the FIRST PLACE and you’ll get smarter. Think about that when they come for your car, anything paid for by credit card and pet emergencies…all while being broke. It’ll add more stress dude.
the funny thing is that even after all the hassle its still wayy less stressful than being financially dependent on your parents
I've gone the third route. I live in a car and fix appliances for parking spaces and money. Of the 13 hours a day I am awake I clock about 40 minutes of work on a busy week. My bills are $100 a month plus fuel. Food isn't hard to find. The only things I miss are sleeping with my legs straight and running water.
If only “the business store” sign had a crossed out “car insurance store” sign next to it lol
I was waiting for them to ask if he wanted to buy insurance for businesses
This is lowkey kinda scary
Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure.
It provides liability insurance and the tenant's personal property is covered against named perils such as fire, theft, and vandalism.
It also pays expenses when the dwelling becomes uninhabitable.
Due to renters' insurance existing mainly to protect against losses to the tenant's personal property and provide them with liability coverage but not to insure the actual dwelling, it is significantly less expensive than a homeowners' policy.
The owner of the building is responsible for insuring the dwelling itself but bears no responsibility for the tenant's belongings.
6:22
It's not burglary when Chad does it.
Burglary
en.wikipedia.org/wiki/Burglary
As a business student, this was simultaneously the funniest and most effective way to revise for my exams today 💀💀💀
As someone who worked at geico for 6 months I can 100 percent confirm that is how people talk to you when you work for a car insurance company. If you aren't threatened at least once a day you leave feeling weird and like something terrible is going to happen to make up for it
I like how the "getting a pay check" section was also the advertisement lmao
My dad was smart and slowly eased me into it. By time I was 16 I was paying half of my own expenses and bills. I paid all my own car insurance and saved up to buy my car and phone plan. Then I moved out and got my own apartment at 18.
godamn, how did you earn that money and study at the same time
Hahahaha nice. My dad just beat me.
I live with my parents because I am ok with living with them. I am 22 and we have several houses. I could move into one by myself if I wanted to and knew how to take care of myself.
or as an immigrant you just do everything from insurance to bills for your parents from 10 lol
My parents had me do similar. By college they had me finance my own laptop so they could cosign and I could build up my credit. I have excellent credit to this day.
I'm about to start adulting in a month and have so much anxiety about these types of things.
I really hate how complicated everything is. It makes it so overwhelming
I read this first as "Adultery for the first time" and realized how off I was and then realized that "Wait, that might be a great video idea too" lol
It would have to be a woman playing the character to make any sense. Pretty sure adultery training comes standard in every young woman's brochure.
I'm moving from an apartment into my first home and being a homeowner is like the second stage of this 😭
Kids, “I wish I was a grown up”. Adults, “ I wish I was still a kid”.
"Are you head of the household" "No I'm king of the jungle. what the hell are these questions!?" had me rolling
For all you youngins out there, I can assure you this is 100% accurate although it did leave out the joys of watching the value of your bank account wither away due to grossly unhinged government spending
Pretty funny and serious video. I really liked that “per month” line that you also said a lot in the buying health insurance video.
The fact that I'm able to understand just about all of this perfectly, despite feeling like a lost child half of the time, is a surreal experience.
Moved out completely on my own at 18. This was wayyy too fucking accurate.
I had to pause the video several times I was laughing so hard. God this is accurate.
Imagine if schools actually taught us stuff like this
Zach, I just finished engineering school and started adulting and realized my hair is actually falling. I will take advantage of your advertisement. Your video is spot on brother!
Love the callback to the legality of throwing stuff at people who use a check to pay for stuff.
Been an adult for 10 years, some of these words are STILL intimidating.
For the sake of my sanity, I'll take the bus rather than jumping through all those hoops lol
If "adulting" is hard, "senior citizening" is even harder! Add to the pic social security, medicare, doctors, hospitals,
retirement, prescriptions, funeral planning, etc.
I love the callback to it being legal to catapult a pack of gum at someone's face
The comic timing of the back and forth cuts and verbal "double takes" is incredible.
You've mastered comedy and ad placements. Nicely done
Dude your ads are f****** fantastic
I've been an adult for nearly 15 years and still struggle to understand half of this, lol. Only just moved out from a private landlord to a regular apartment last year and had to get renters insurance (and yes, they want me to bundle it with my car insurance 😂). My car insurance is up for renewal so they called me to try to lure me over. Thing is, they're offering the same rate or a little higher than what I currently pay. I like the two bills being separate so I can ensure I pay them on time. If bundled, that's more money I have to pay at once.
I also love how they real ass have add-ons you have to specifically mention for "acts of god", or things lost due to weather. Often times, flood insurance ends up being something way more expensive on its own, so if you own a house, for example, you must specify with your home insurance that you want flood insurance. The regular insurance might cover for the fire, burglars, a tornado, anything else. But any flood damage or water damage? Nah.
Health insurance is also where I get confused but I just look at it as, I get sick rarely, but freak incidents can happen, like needing a blood transfusion a few years ago. So, I go with the middle plan offered. Not the lowest, not the highest, nothing with an HSA as I'm not likely to need one (I mean, I might, but I'll roll the dice on that). And retirement plans are hard to understand. Right now, I'm just going to get my workplace's 401K since their contribution rate is alright with matching 50% of your contribution up to 6% of your paycheck (which, between insurance and eventually buying company stock at a discount, 6% is about all I'd probably want to contribute each paycheck).
Great video, it's definitely treacherous those first few years to get your bearings, lol.
The subtlety of the “I’m just kidding not really”
Friendly reminder that insurance companies make things confusing on purpose so you get worn down and just agree to whatever. It's not your fault, it's theirs. Also, the health insurance industry should be rendered obsolete lmao
Omg the part about being asked to do all this complicated shit you weren’t trained on is so relatable
Oh God, as a 17-year-old, I have no clue whether I should be in dread or excitement…
Dread. Especially in the USA. Europe is a bit easier (better labor laws and customer protection laws) AND you can buy your own drinks when you're 18... Oh, and taxes are significantly easier.
@@andrzej2501 Oh, well I’m in neither the US or Europe… (Australia)
@@Hyblup Well, if You lived through the Australian fauna as a kid You are probably a little more prepared to face dread then an average European ;) Our spiders are wimps ;)
the ad popping up was so smooth
I’m…looking forward to adulthood even less than I already was. Thank you
Oh, Same. The Confusion I have renewing my Lease, Renters Insurance, Electric, turning on Internet, and Utilities every Year. When I got my first Apartment, I Signed and Initialed, and no joke, 52 Pages.
My Escape is watching this.
Thank You.
I'm about to live on my own in 1 month. So thank you for making this😂😂😂
As a cashier, I can confirm: people will try to stack 5+ coupons on an order and then split payment up among several methods, but once it goes to them using 3 cards, I'm "supposed to get suspicious" of them.
Another part of adulting: Laughing at your own misery
While I might not have adulting as bad as others I could totally understand all of this.
6:34 Glad Zach brought this gimmick back
The "per solar eclipse" is my favorite bit now
haha, yeah, for sure. now heres the trick to avoid all that: have a global pandemic happen just as you turn 18, forcing you to keep living with your parents for 3 more years, which is also a strategic move because you cant get a job with which you could afford your own place and youre in university, resulting in you not learning any of this (except the salary part) and feeling like a failure at 21. just hypothetically speaking.
I'm in exactly that situation, except for the job part. I'm scared.
@@scoundrel7011 im trying to focus on being good in uni and keeping up with studying. gotta work with what you got, and try being nicer to yourself. none of this is on us. we'll still be able to learn these things when we need them.
was it illegal to be homeless during the pandemic because I was 19 and living in a motel lmfao
@@chloem5851 so your reply to "i cant move out because of the pandemic" is "just be homeless lmao"?
k.
I read the title as "adding for the first time be like"
"Ha ha ha, this is a parody of my pain!"
“Are you head of the household?”
“No im King of the Jungle”
😂😂 shit caught me off guard fr
This guy is seriously underrated! A joke in every sentence, that's better than most comedians these days
This is actually informational because of how all the important things are actually listed.
No! The customer who wanted to pay with four credit cards! 😆 And coupons! Please, no! Make it stop!!!
Yeah my parents never even thought to teach me any of this stuff. People just kind of expect you to grow up and figure everything out. Then they get mad when you make mistakes or take too long.
I'm 18 and feel like I'm still in secondary school....help
this made me panic, like i’m behind on stuff
This is why I get so pissed off at boomers because they will literally teach you ZERO LIFE SKILLS but they will also belittle you for not knowing how to live as an adult when you were taught nothing about adult hood as a kid or teenager.
This video hit me hard bro like I was never taught what taxes are, home repair, importance of saving money, education, I’m playing catch up.
Scary how accurate that is especially with the tax forms omg
there’s actually a required course called Personal Finance in my state that covers a lot of this! unfortunately our guidance counselors push everyone to rush through it, i took it online and only paid attention after failing a quiz the first time… it was probably really useful :((
Me glad that I can slowly transition into these concepts over the course of undergraduate life
Wow, Zach sure does take a lot of his looks from his dad
it's the "thanks girlie" for me
anyone else notice the ti-84 in the background? 5:44
My ass woulda stayed in the primordial soup if I knew there was gonna be days like this.
6:14 wait actually? I'm genuinely interested if this was a part of the exaggeration part or not.
That was exaggerated, but renter's insurance almost never covering damage caused by earthquakes is completely accurate.
@@ZachStarHimself Ah, ok.
The store motto feels like the motto of my work
Whenever a vid goes through sponsored ads, I skip through them. You're probably the only channel where I actually watch the ads lol
Oof, didn't even cover the internet package promo where you have to call them once a year to personally complain to a rep until they give you a $20 / month discount, and no you can't just get the standard discounted rate for forever, you Need to call in and complain every 12 months..
0:11 Write that down *WRITE THAT DOWN!!*