telling my dad i'm $30,000 in debt & getting a lecture
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- Опубліковано 11 лют 2024
- I hope you subscribe to follow me along on my debt free journey!
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get your snack ready for this one 🍿😂👀
Omg, I love this! You guys are the cutest! Such a beautiful family and your dad is so smart and sweet! 🥰
Your dad has some great advice! The only thing I might change is instead of using the credit card as an emergency, have an emergency fund already saved up just sitting there. Then, you don’t have to go into debt for an emergency.
You can do this!
I had $38K in debt. I have it down to $8K. It was HARD! I picked up side hustles and paid and paid.
Your dad gives great advice!
GO COWBOYS!
As a grown woman in her 30’s I appreciate everything your dad said
Could you just let go of your stuff that you have in storage? Maybe go out there and grab stuff that you really want, but sell the rest or donate it to a charity. You can always rebuy stuff and you have been living there without looking at it for a year now. Before you have someone drive it out to you, do the math for and if it is way more than the shipping costs then it might be worth it to ship your stuff; if it is equal or less than the cost of shipping, just let it go and buy new.
Also, don’t be embarrassed. This is the real world. This is more meaningful than those people that are living lavishly and recording it. You are more relatable.
Yeah the stuff in storage could’ve been bought 5x over with price she’s been paying for 3 years.been there,done that.
Yeah, I have moved across the country 2-3 times now and each time I only bring what can fit in my car. Everything else I either donate or give to my family. The cost to rent a uhaul or have it shipped was too much. When I could have just bought new stuff with the price of the uhaul/shipping stuff. Now if the pieces are truly sentimental, that is the tough part.
It’s been 3 years? Wow 😯
I had to sell my entertainment center so I could get rid of the storage unit I had for a year. The price of the unit kept going up and I was stressing out over it. It was bittersweet, but just to feel that burden of that payment leave my body…I felt like doing cartwheels across the parking lot.
@@LyssieLysse nothing more freeing than removing a payment that has been burdening you for awhile. I always tell my husband that we should never own more than our house can hold.
It was refreshing to see you with your dad! I remember subbing to you when you were in high school living with your dad.
Your dad has such a great energy about him. I love that you have the privilege to have an amazing dad like this. ❤
I’m loving your recent videos. I’m sick of watching curated lifestyles. Love seeing real life content.
Nah, Daddy Doll has some wisdom honey. These talks are really helpful. Thank you for being vulnerable with us and sharing, cause baby you right, we’re all struggling.
I do enjoy watching financial vlogs! Your dad dropped some real gems. My grandfather always tells the story of how he paid for a house with a credit card because he forgot his checkbook at home, and when he found out that he could keep transferring that debt over to other 0% APR credit cards, he did. He paid 5,000 dollars for a house and never paid any interest on it ... EVER! because he used that method. I don't own a home, but I never pay interest on any credit card debt using that same method. It does take a little focus but it's so worth it. I look forward to seeing your progress, because many of us are going through the same thing. You're not alone and you'll get through it. Stay encouraged :)
Love the advice from your dad. Wish somebody taught me this when I was younger and things like this were taught in school
Not you being your dad’s twin! He was on point with the knowledge too! Thank you for being open and vulnerable and sharing this - I needed the lecture too! 😩😅
I was searching for this comment!! He put his STAMP on them genes lol. Such a cute relationship
@@beema1988 Thank you
This was so inspiring , motivation and words of Advice from your dad. I am currently on a debt free journey in 40's. Thank you Kayla for sharing this video with your Dad. You are not alone ,it's a lesson that will turn into a Blessing. You're doing a great job on your journey! ❤
Best of luck!
@@kaylalashaevlogs Thank you!
Loved the transparency from your Dad. My Dad passed October 2022 so I really valued hearing financial advice from a great father figure. Thanks for sharing!
Sorry for your loss
I’m loving these finance videos. You are helping so many people with their journey, just from watching your journey ❤!
I love me a good girl dad, how profoundly loving!
I am really glad you are taking us on your debt-free journey, I think its going to be really helpful for people and I think you can reach more people with your following.
why didn’t daddy lashae teach u this 10 years ago 😭
when youre young you make mistakes and sometimes you need to learn the hard way
@@kaylalashaevlogsso true. We gotta learn the hard way ourselves first and then we start asking for advice. 😂😅
You should do more videos with your dad. Stop doubting yourself in sharing this content. I’m in the same spot at you I’m about to be 30 and I just finally took out a personal loan to help me pay the past 10 years of debt. It’s nice to see this side of you, I’ve been following since you just moved to LA. We even got our first dog around the same time tooo!
Amen!!!
Thank you Kayla & your Dad for this information. I’m 33 and I still struggle with keeping my credit together. Of course I have had times where it looks really good and things like that but the pandemic has really done a number on my credit overall. I’ve switched jobs twice in the pandemic just to strive to make more and pay my debt down. It’s truly a process!
Thank you
I want more talks with your dad! he was just so awesome! Thank you both for the transparency and honesty!
Thank you
Our girl Kayla the realist! She is the most relatable and consistent youtuber. ❤
Your dad is very wise and intentional with his words.
Iknow! I wish man. If someone told me this I wouldn't have been in debt.
God bless your dad!!! He was spitting gems i could listen to him speak for hours... does he have his own channel!?
Edit: I realized he does have a channel I just can’t figure out what it is!
find it por favor
Thanks Dad
Love papa dolls advice he’s smart
Thank you
Damn your dad has some knowledge. You are lucky. I’ve learned more from him in this video then I have my whole lifetime
This video was awesome! Please do not give up on your financial journey videos bc of messy people! This was so insightful hearing and older experienced persons advice and tips on finances! ❤
I love how real and raw this is. It's been so rare to run into videos with REAL LIFE situations. Thanks girl. Keep doing you #erasemydebt 😎
This was very helpful. I lost my dad 4 years ago. And even though I’m 33 I still miss his advice. Love my mom sooo much. But something about those dad talks that would make me feel like I couldn’t anything after.
You guys should consider a podcast. I’m a commuter so listeningz to advice, struggles, lessons etc would be nice.
You don’t have to know it all girl! The right people will listen.
I’m glad that you had the courage to post this I know this took a lot to be this transparent but you are helping others in this process to not go down the path you have and shout out to dad lashe he’s awesome 💕💕
Really enjoying this series and glad you’re putting your business out there! I’m finding it helpful and motivating. Really enjoying hearing your dad’s advice too!
These videos are motivating! Thank you for choosing to share.
Listen to your dad - he's quite knowledgeable. :)
Thank you
Yeah this may be my favorite series so far because I'm telling you one thing we can relate to is debt and knowing the right information to pay it off your dad really gave me insight on property I just had a similar talk with my dad and he confused me so this was helpful!! Loved this from you and papa doll but on a separate note you look gorgeous 😍
This was good Kayla, great job! I enjoyed the convo.
Happens to the best of us Kayla. I remembered my folks giving me that talk in my 20s lol. Now I’m talking to my teenage sons bout credit card debt. It’s real and relatable and thanks for sharing with Pops.
I found you over the weekend and I can’t tell you enough how refreshing it is to see someone around my age not promoting a “perfect life”. Shout out to you girl, love this content so much! God bless your journey ❤
Love the financial talks… great advice from your dad.. not sure if just me.. but I feel like you are on your ZOOM THIS YEAR. And I am here for it❤❤❤❤
Kayla, this talk with your Dad, chef’s kiss 😘! He is extremely knowledgeable. Revisit this conversation! Excellent.
This is truly inspirational thanks for sharing it’s so relatable and real and raw!!
Glad you enjoyed it!
I love this credit/debt tip you’re on! Been subscribed for years and these vids in particular are relevant to me and encouraging for me in my debt journey too 😊
LOVED this video. Currently on my paying credit card debt journey right along with you!
Literallyyyyy girl this video helped me so much! Glad yall talk about this so openly and I hope your dad does more videos!!
Thank you
I am currently paying down my debt and this video was seriously what my mental health needed! Thank you so much for sharing.
I don’t mean this in a negative way but I’m glad you’re sharing this. I’m in a lot of student debt and it is really discouraging coming online and seeing people brag about money. Comparison truly is the thief of joy but is nice to see other people talking about it
Great video! Things my parents told me in my 20's that I ignored and have realization in my 30's and realized they were right. Everything your Dad said, my parents said. Never be ashamed of your circumstance. We all have to pivot and life will throw a lot of unexpected things to us, keep living and learning. I know its hard not to try compare ourselves to other. Sometimes ignore the unecessay noise and listen to sound advice. You got this!!!!
amen
Your dad is so sweet 🥺🤍🤍
Your Dad gave excellent advice!!!
Love Dad talk ❤
We love a papa doll talk 😊
Thank you
Your dad is so wise! I wish I had that kind of guidance 🙌
Thank you
We would love to see all the videos :) it’s so relatable
Your dad gave some amazing advice!
*i love this video! tell your dad thank you* 🫶🏾
Thank you
Very good content. You would be surprised how many people you are reaching with the debt talks!🙋🏽♀️
This was great advice. Thank you so much!
This inflation caused me to be in credit card debt for the first time. I’ve always paid off what I bought and used my card as an emergency.
Ugh…
Papa Doll gave some amazing advice! I think these conversations with him should be added into your vlogs. Don’t matter what he’s talking about he has knowledge that every can take from.
Love Ya Girl!! ❤
Thank you
This was very helpful. I lost my dad 4 years ago. And even though I’m 33 I still miss his advice. Love my mom sooo much. But something about those dad talks that would make me feel like I could do anything after.
You guys should consider a podcast. I’m a commuter so listening to advice, struggles, lessons etc would be nice.
You don’t have to know it all girl! The right people will listen.
Sorry for your loss
Definitely listen to your dad.
Always love vlogs with Poppa Doll. He's in my age group and we learn as we go. You are doing great and it's a start and share it and don't be ashamed about it. I see finances every day with my clients. It is a rough time right now but you started.
Thank you
Girl, I just got rid of a Storage as well due to the high cost and now needing to go through all the stuff in my garage of what I want and don’t want since I’ve moved from LA to LV
It’s going to be a lil bit of a struggle but you got this plus half the stuff you packed you don’t even want anymore so you can definitely donate it
Damn now I know why you guys roll you're eyes when I start talking. I talk to much LOL
I definitely appreciated your input :) Thank you !
@@glambitious91 If you have any questions ask Kayla and we will find the an answer. Thanks
We love it 😊
Great advice from your dad!
Thank you
Your dad is awesome ! Love Papa Doll !!
Thank you
I’ve recently become debt free. The system is definitely set up for you to fail. Your dad was right about that, but you’ve got this girl. We see you doing your best & I can tell how determined you are. I believe in you!
Love your dad.
I could tell you were holding back or considering holding back this content but it’s no judgment. We live in America. I love authenticity and realness when it comes to content creators bc so many paint a fake picture. Plus this information is valuable and part of your testimony. You don’t have to prove anything to anyone. Nobody’s perfect
Loving the financial videos, I just bought a house and I’m trying to save money for home renovations. It’s so expensive to be a new homeowner 😅
omg so happy for you!!! 🥰
Congratulations!
Best thing you could do buying a house. 80% of the people get rich for real estate.
"Is it actually money or is it just a number that tells you your worth." No. It's a number that tells you how much freedom you have access to. If you're in debt or have very little money, you have less choices and in most cases are a slave.
Great video !!
I love your Dad! ❤
Thank you
Thanks so much for sharing this it is so helpful. Such great information some my grown a** didn't know lol
Give yourself some grace. You have a plan to tackle the debt and you're doing the work so you will be okay. You learned a lesson and MOST of us have been there. A shelter recommendation is the Women's Shelter in downtown LA. They should be able to give you a letter so you can write it off on your taxes. Don't cancel any cards you pay off, spend a little bit and pay them off to keep them active. Myfico credit forums is where I learned all the things to build and keep good credit.
Don’t be embarrassed dear we all have to line and learn. I actually have stated the snow ball effect to pay off 30k in debt and yes it is a feeling of accomplishment when you pay off one credit card at a time. Don’t give up, keep striving for your goal! It’s not a race the point of it all is getting your debt paid off and learning from this and as your dad said good credit and making good investments versus buying things we can really do without. Thanks for the credit lessons
Now I’m going to watch the videos of you moving to Virginia for the nostalgia 😅😂
Great road trip.
I really liked this video; watched in its entirety. Really solid tips. Only thing I would save get an emergency fund.
I was in a similar situation. I wasted so much money keeping my items in storage for 4 years! I ended up donating most of my stuff when it was finally time for me to move.
I’m a new viewer. I absolutely love and appreciate these raw transparent videos. Especially enjoyed listening to your dad’s financial advice. You got this!!
Thank you
Depending on what storage company you use, you might be able to sign the unit over to them. As long as it isn't a bunch of junk they should say yes but may want picture of what's inside.
You can also take out small loans like with Bridget or something, pay them off and in no time it raises your credit score
What about a pods storage? They will ship your pod to you?! Also are you going to be getting your own place when you get your stuff to VA
Post the journey sis
Loved this video. Love the honesty here. We need more of this 🤍
Donate it all and take only what you need. Might not even need a uhaul. Pack light and load up suitcase.
10:38 shorty really wanna blurt out “im maxed out baby!!”
Affirm, Klarna etc etc, its no interest but i only use it if i know i can pay it off every 2 weeks AND when i need to make important big expenses. Its worth it for me, credit cards i only have one and still can't even pay the crap off 😩 im praying this year i can catch back up on the balance. We got this! Debt free this year!
Yesss I love afterpay because that’s the only time I can treat myself to something that isn’t my bills 🥴 I only use it when I KNOW I can afford the payments. 2024 we WILL lower those debt balances!!!!
Great video
I just pay every card in full every month. If not under no interest fees I pay off in 6 months. I make charts to keep track. i Recovered from first time.
I found myself in debt, but ibly about 3000, so i signed up with a debt consolidation program so that I'd only have to make 1 payment instead of multiple. 3000 isnt a lot of money to have (to some people) but it's a lot to pay back, and now i understand
This is where I’m having trouble with credit, I hear Dave Ramsey saying no credit cards- credit doesn’t mean anything, it’s better to have cash.. then I hear credit is good because it’ll make things in your life easier if you’re smart with credit cards.. 😵💫
I’m trying to pay off my debt too girl lol😅 but I love this and your dads knowledge of finances, this would be a cool segment to have him on and answer questions about money and everything. Definitely good to know 😊
Credit is actually KING! Cash will only get you so far. When you really understand how it works & what life is especially if it’s bad, you will never go back once you get it right.
@@jennyrieras431 ok, I’ve only had 1 credit card but then closed it a few years ago because I was hearing my co workers talk about Dave Ramsey and learning what he’s about, seems intense a bit lol and I would like to live life easier so I was thinking well having good credit would be nice to eventually buy my own house one day. I’m 34 and a single mom to an 8, 5 and 2 year old and trying to pay off my debt this year is my goal 🤞🏽 but I’ve been thinking about maybe getting a credit card again but be smart about it and build my credit back up.
DR didn’t follow his own plan, he filed bankruptcy so take that how you will 🙃🙃
LOL make me the bad guy
It’s all love! ❤️
Great vlog, Kayla. Your dad is brilliant and helpful. I learned a lot. I'm a longtime supporter. What is your dad's UA-cam channel?
Thank you
Take 20$ per pay check and spend that on fun stuff and stuff you need like asprin or soap. Plan a food budget.yiu can get by on 100$ a month for food
girl the same thing happened it was $189 and it said must be submitted in 30 days so i was scammed out of getting the money too lol
Early gang squadddd :D
hey girl! 🫶🏽
*what is the name of your dad’s youtube channel?*
Folks watching internationally: please ignore the advice regarding credit scores as this is not the case in many countries.
Layla listen to your dad