EXACTLY!!!!! Girlllll, you 👏🏾 hit👏🏾 the 👏🏾nail 👏🏾 right 👏🏾on 👏🏾the👏🏾 head👏🏾!!! Oh yeah Genea... you know you can’t forget that you MUST BE LICENSED in the field as well to even get considered. 🙄 Never mind the fact that these dummy companies would probably find a QUALITY employee if they just give someone a chance.
Rhea Boyd I have a friend with a Ph.d, she lives in Utah, this company tried to hire her for $12 and hour. This was found out after like a 3 hour interview. 😒
In my state, min wage is still $7.25/hr. So sadly I've had supervisors getting only $11-12/hr, the exact same pay I was getting and I wasn't a supervisor, or even worse, supervisors getting less than what I was making an hour if that makes sense. It's a shame when the job pays not very much and asks for tons of requirements, a bachelor and masters degree, and tons of experience.
Entry level jobs in 10 years will require you to have a PHD, 5 years experience, 4 references and can speak 10 languages for the pay of $10 bitcoins an hour 😂🤣💵💯
BudgetingDee thats my pay stub!! I’m a waiter and they automatically claim the tips I’m like I didn’t make nothing this week cause we was slow!! Again I’m POORRR!!
Nobody: Jobs: Quailifications: 2 years of experience, uniforms, resume, cover letter, thank you letter, 2 letters or recommendations, certificates, liscences, classes, a car, training, a driver's license, a good credit score and 2 forms of Id is what we need for you to wash dishes🙄🙄
1985 baby! Putting money down for my summer cruise. 🛳 🌴 🏖 My Dad said I needed to start traveling because he doesn’t want me to be too old to enjoy it. I receive that.
"We gon pay what we can, and we not worried about the rest" Yasss sis, I felt that in my bones. Preach girl. You did it again with this video!! Love it.
You betcha.....leave those damn bills for someone else to pay. After all, "I gotta travel" Do you realize how idiotic this attitude is? The bills are NOT going to magically disappear.
Millennials want to see the world and see different cultures. Many of our parents have never traveled internationally or traveled much domestically and we dont want to do the same thing.
Exactly!!!! I think ive been more places than my mama has!! And she makes great money. She's from the era where u work till u die and the only traveling u do is go down South to visit your relatives😥
@@tamarastone141 Sounds like my family. Or church trips (maybe). Even my family reunions are in places everyone has been many times before down South (Orlando, Miami, or Jacksonville in FL, Smoky Mountains of TN, GA).
The money we spend on vacation ain't going to get us out of debt soooooooo...... We might as well use it for fun. If we give it to the bill collectors we ain't even going to smile because they're going to take as much as possible in interest, so vacation it is
THANK YOU 👏🏽👏🏽👏🏽👏🏽 You hit every point! And sidebar tell the baby boomers to RETIRE! Methuselah has been the bank manager for 47 years and refuses to leave! Turn it loose ma’am!! 😒😂
NeoDarkling Goth sis I work with A lot of older women who is tiredddddddd and angry and just as old as my patients I’m like mrs Bertha you bout one diaper change away from being here ya self
I literally had to hit up Sallie Mae on some.."🤔😑😑ummmm who told yall I can afford $350 /month...absolutely NOT!!!"...Sir then what can you pay?? Ummm...idk $25 ma'am!! 🤣😂...I care about everything BUT them student loans on God!!
Shawn McCoy My stepmom went straight from college to a career at the bank. She finished paying her student loans after she retired and said she never missed a payment. That's when I started side eyeing my loans. They can come and take this degree!!
KingzKidBeatz yup, paying all the bills (being responsible, I know🙄) but not having any money to do or get anything else at all after that til the next check... um no that’s not for me
MsCardio1 Although I agree that that is part of adulting. I don’t think people should be working 40+ hours a week to only pay bills. Where is the joy in living? Not everyone can be company owners or have good well paid office jobs. A job that contributes to society is a job and people should be able to live with whatever job they have not just barely scrap by to survive.
@@MsCardio1 Facts!!! Then watching their parents continue to work hard and “stress” so that they can live their best lives, SMH 🤦🏽♀️. I have (3) millennials and the struggle is real!
By toxic you mean one in which 1) you are expected to show up on time 2) you are expected to be skilled at your job 3) you don't leave early......then yeah I can understand your dilemma
They have deferment plans, hardship plans, etc. Taking no action is just silly. Lord knows with my low paying poverty jobs I've had I can't afford to pay back that money but I fill a hardship form out once a year and I'm covered.
I have never related to anything more. After checking my student loan balance after paying consistently for the last 2 years and the balance WENT UP. cried for 20 minutes and keep it moving.
At least with all loans currently in forbearance anything you pay goes straight to what you owe and not interest. Edit: I think it's until Sept 30 2020 so it's best to pay as much as you can up to that date, especially if you are usually getting charged hundreds in interest a month.
I know hindsight is 20/20, but a good question to ask is how much will my outstanding/principal go down at this current repayment plan. Then you need to pay the amount that allows your debt to go down by x-amount. Another option is to check whether you can get cheaper debt elsewhere. I'm sure you're in the US, but here in the UK, lots of credit cards have interest-free money transfers, which mean that you pay a small fee (added to your debt) and then the money is transferred to your account and doesn't attract interest for x-months. Then you divide that amount by the number of months of interest-free period and pay off that amount each month. So say you take out £2,400 in a money transfer, pay 2% fees of £48, and it's interest free for 12 months. You use it to pay off £2,400 of your student loan and then you pay back £204 per month for the next 12 months. That fast-tracks your loan repayment: just make sure you have the extra £204 to pay down. Hope that's helped someone somewhere. You can get out of this, you just have to tackle it a bit at a time and ask more questions. Good luck out there
THANK YOU SOOOOO MUCH FOR SAYING THIS!! I have been struggling for years to find jobs that I went to college for because I don't have experience. How are we suppose to ever get anywhere if no one will hire us to gain experience. I know I can't be the only one who is having this problem. I appreciate you EJ.
One job in my field that I called to get info on was one day a week, $7.50/hr, not even guaranteed a full 8 hours @ $7.50/hr. I could do better than that literally anywhere else. My jobs have been in retail, restaurants, one daycare, and one call center which all have various unpredictable, random hours that I dislike but there is nothing else so I'm stuck.
I'm just glad you spoke on the dates of when millennials were born..lol... People say millennials but don't know who we are... Everything you said is true
Yaaaaasssssssss!!!!!! Loans and bills will always be here, so why not enjoy my best life. "2 yrs experience if not more for a certain job title" that part.
This video made me feel really good about myself. Folks had me feeling like I was doing some stuff wrong, but I’m feeling nice. Gotta get away from all of that toxicity! #WeAreNotDoingThat lol
Thank you! My man and I both work two jobs and are constantly doing side hustles and seeing what certifications we can train for next! So when we see a getaway deal (which is the only way we can take a vacation) and actually manage to get the time off we don't want to hear NOTHING!!!
As an older person, I have no problem with younger folks, or folks of any age, living it up and not waiting to enjoy themselves, or even popping from job to job. Life is definitely too short to be unhappy. My only problem is if and when those same people ask for money from the people who aren't living it up as much and who are saving. Some people will play with their money and want to get serious with yours. I know people who buy the most expensive this and that, and stay on a flight, but as soon as they land and check that account, here comes the calls. As long as your lifestyle doesn't affect my pockets, I say bring me back a souvenir, and enjoy your life.
Ahzar You can do like we do, we take the change we have left over from spending cash, and put it up and save it. That’s how we paid for our vacation a penny, nickel, dime, and quarter at a time. Even a single dollar throw it over in there.
Well... a lot has changed. We didn't have internet, wifi, online hustles backn in the 80s.. credit score score score.. is a joke. Vacations are more affordable than it was back in the day. A lot has changed but I think this new generation of kids are SPOILED ROTTEN!!
I pay my bills and my credit score stays going up. I wish I can take a vacation. (Lies they tell!))My student loan is almost paid off and I am putting money in my savings. I will be retiring early.
Girl, u better live a little cause u will definitely regret it when u get old and look back ar your life and realize you didn't see the world. You just living to pay bills aint it.
I hate how news articles don't call out how rich baby booomers are working past retirement because they're bored, and not giving their positions to newer younger employees. When was the last time anyone heard of a boomer working for a dollar, so a youngster could apprentice in the company? Sad....
This whole credit score crap is also a form of enslavement... think about it, and who invented the credit score phenomenon? (Rhetorical). If you have an excellent score, it usually means you can just afford or have the means, hence, wealthy people. But if your score is low, you get denied, denied, denied; therefore you don't and won't have the luxury like those wealthy counterparts. Think about it🤔🤔🤔
Yes! I see all these commercials with the fine print saying " for well qualified buyers" but let me tell you Linda those people don't need that $1,000 cash back with no down payment and 0% interest for 60 months! We broke people are the ones who need those terms. The unqualified buyers!! Lol
Not true: you can build your credit score having zero money. You just need to be disciplined, that's all. A lot (not all) of it comes down to how much hout can borrow vs how much you have outstanding. So if you have a total credit limit of 10,000 and you're using 8,000 - bad credit as you have 80% utilisation. But say you have a credit limit of 10,000 but used just 5,000 --> better credit as you have 50% utilisation. If you have 5,000 and you user only 2,500 you still have your lower, 50% utilisation so your credit may be better. So what to do? 1, pay your existing credit off (of course). 2, Once that's done, you will be offered lots of credit. Take some and never use it. You should have some credit outstanding but never pay interest on it: repay it before the normal (56-day or so) interest-free period is over. Buy, idk, a grocery shop on thre card and when you get home pay it right off if you can. Then watch your credit score grow!
Truthful content...stress basically killed my poor mother. I have millennial children, who's response to everything is "it's not that serious” and it really works for them...i still don't get why I stress about everything.
Chile, I'm so sick of student loans that I had to take a break from payments and put them in deferment..Then, if you consolidate them tricks,they start the payment timeline over...So, in between praying, working, and figuring put my next move I am definitely going to find something to alleviate myself to avoid drinking..#overit #1985baby
100% TRUTH! especially seeing your family members go thru mental decline! H3ll! I have a masters in accounting forensics and a certified forensic accountant but no one would hire me without experience! So here I am doing NOTHING I went to school for. And over $100k in student loan debt! GO BERNIE SANDERS!!!!!
I'm a babyboomer, so welcome to the real world. I said the same thing when I was younger, and now you all are still saying the same thing. Oh and I still have college debt, and all the toxicity is not new. I feel you, and I'm about to go on vacation, and somebody is NOT getting paid. Millies go liiiive yo best life.
Girrrrl, this vid is life! I’ve got three degrees that I’m not using working as a caseworker in the welfare office. I make too much to qualify for benefits meanwhile we throwing money at people to stay poor. Just this month, the job classification below mine got a massive pay raise to mine without all of the degrees my government agency said we HAD TO HAVE to even qualify for the exam-people are about to sue on a massive level. Let me tell you I became a business owner just because of this. Millennials have to find different ways to make our lives to what we want them to be. Great vid!
Preached a whole word! I'm a teacher in the great state of SC and the loan folk called me talmbout you owe $3, 637. 57 to be current today. How are you going to pay? I told them I can immediately take care of that $37.57, but if they need that $3,600 today they have an advocate with the Father! They're not about to stress me out and make me ineffective for my family or my classroom babies!
AIR 👏🏽IT👏🏽OUT👏🏽SIS👏🏽. Whew, chile. You just spoke a word over my whole life! Thank you for telling the truth and not glossin it up and doin it for the gram. I have been saying this and people look at me like I’m crazy. I’m not paying these student loans. Dear govt, you ain’t Eva Eva hon get this $ 🤷🏽♀️My car is used, no note, leave me alone about it. I have investments, I do my own hair, nails and meals. AND I’m going on vacation.
Instead of advising people not to go to college, the country will still need it's teachers, engineers, and doctors in the future, I would say be wise about your education. Go to community college for the first two years, especially if you aren't sure about what you want to major in. Take a look at the availability and pay of jobs for your major. Don't go to private school to major in history and expect 120 thousand a year. Also take a look at trade schools. And most importantly research your desired job, not just the glamorized version of it. You don't want to go through 4 years of college an only then realize the job you thought you wanted is not what it seemed.
A worthless degree from an expensive "elite" university certainly is NOT worth the debt. Is it so hard to 1) research what skill will be needed in the mid 21st century 2) what degree gives you that skill 3) can I get #2 at a community college 4) can I work like hell during college to avoid debt? This is called "adulting". Many of the posters should try it.
Girl this video explains my life to the VERY T right now. I work for Delta Airlines and will use any excuse to catch a flight somewhere. (ex: arguing with my man, over working myself, loss weight loll)
To finish off my previous comment... I’ll use any excuse to travel, & call corporate to allow my rent amount to remain the same during renewal. Paying rent IS JUST GHETTO TO ME.
Sucks because it seems like society played millennials telling them that they NEEDED a college degree. You don’t. I’m on a high school diploma making $20/hour as an account administrator. Not stressing at all 😂
Yep. My husband got his ASCs to be a mechanic and was also a smog tech 2 trades that don’t require a college education. He moved his way up in a company for he’s been at for 3 years and is now the transportation GM for Southern California. I was able to stop working in December. We paid cash for our wedding and bought a house when I was 25. Literally living the American Dream. No degree required.
Lol I manage to pay off $100,000 in student loans. It's tough but possible. And yes they put student loans on that credit report.. I'm at an 821. No vacation trips for me.🤣
Yes #ejspeaks what do I have to stress about I have to pay one of them in full and IT IS GOING TO BE THE RENT what sense is it to be homeless with my student loan? They should have a statue of limitations already for these student loans I haven't been a student for 30 years now....sheesh
Omgee once you mention Credit card bill. That remind me to pay my bill and I was late!😣🤦♀️ and I'm over here planning a weekend trip 😂 YOU SPOKE NOTHIN BUT THE TRUTH!
Must have a Masters, two years of experience, pay is $14-17 an hour.
EXACTLY!!!!! Girlllll, you 👏🏾 hit👏🏾 the 👏🏾nail 👏🏾 right 👏🏾on 👏🏾the👏🏾 head👏🏾!!! Oh yeah Genea... you know you can’t forget that you MUST BE LICENSED in the field as well to even get considered. 🙄 Never mind the fact that these dummy companies would probably find a QUALITY employee if they just give someone a chance.
@@rheaboyd893 Exactly!
Genea Cunningham BIG FACTS
Rhea Boyd I have a friend with a Ph.d, she lives in Utah, this company tried to hire her for $12 and hour. This was found out after like a 3 hour interview. 😒
In my state, min wage is still $7.25/hr. So sadly I've had supervisors getting only $11-12/hr, the exact same pay I was getting and I wasn't a supervisor, or even worse, supervisors getting less than what I was making an hour if that makes sense. It's a shame when the job pays not very much and asks for tons of requirements, a bachelor and masters degree, and tons of experience.
All of them articles could be summarized as “millennials have the audacity to find joy despite being broke”
Evan Jones yes! Say it louder!
Bingo!!!!
Well said!
I need this etched in bronze
Exactly..These people are just saving up and traveling instead of buying homes and getting car notes they can't afford.
"I'll be done paying my loans when I'm 233 years old"
I really felt that !
me too. i gave up a while ago lol
@@DIONLIVE hell yea take it out my taxes 🥶
@@cloudsunicorns194 it will not come out of your taxes.....but rather any tax refund you might be counting on. Just sayin'
That one hit real hard that I'm shooketh.
Entry level jobs in 10 years will require you to have a PHD, 5 years experience, 4 references and can speak 10 languages for the pay of $10 bitcoins an hour 😂🤣💵💯
Not bitcoins 😩😂
🤣🤣🤣
Then they''ll finally decide to make min wage $15/hr but everything will so expensive it will be like making $1/hr. Lol.
😂😂
😂😂😂😂😂😂 exactly. You need experience but they won’t hire you to get experience. It’s weird
I don’t care what the paystub say. I AM POOR!!
Toxic relationships. And that includes family members.
BudgetingDee thats my pay stub!! I’m a waiter and they automatically claim the tips I’m like I didn’t make nothing this week cause we was slow!! Again I’m POORRR!!
🙌🏽🙌🏽🙌🏽🙌🏽 Don't tell me bout no damn check stub sir and/or madam!! I. Am. POOR!!!🤣🤣
She's speaking that truth ain't she?? @Budgeting
It includes bosses too! I had to quit my job due to verbal abuse from a lawyer I worked for. It was either quit or I was going to lose my shit. Smh
Exactly
Nobody:
Jobs: Quailifications: 2 years of experience, uniforms, resume, cover letter, thank you letter, 2 letters or recommendations, certificates, liscences, classes, a car, training, a driver's license, a good credit score and 2 forms of Id is what we need for you to wash dishes🙄🙄
😂😂😂😂🤣🤣🤣Oooohhhh Chile!!!! Spot on!!!
👀
😆😂
Accurate.
😂😂💀💀
Not the two people arguing "by" the horse! 🤣😂🤣😂🤣😂🤣😂
She got me on that one 😂🤣 🤣
wait can you explain this
@@Aliieist She's referring to USPA polo vs. Ralph Lauren polo.
My husband died at this part 😂
I lost it when she said that. Lol
I don’t even leave comments BUT THIS WAS SPOT ON!!!
wasn't it
1985 baby!
Putting money down for my summer cruise. 🛳 🌴 🏖
My Dad said I needed to start traveling because he doesn’t want me to be too old to enjoy it. I receive that.
Love this doing the same thing this year for the first time.
I want my dad to have that mindset so bad
I wonder how the cruise went. 😅
M. Rye. CANCELLED
! 😤
@@Leshay5 Congratulations. You didn’t get COVID on the cruise ship. 🦠
"We gon pay what we can, and we not worried about the rest" Yasss sis, I felt that in my bones. Preach girl. You did it again with this video!! Love it.
You betcha.....leave those damn bills for someone else to pay. After all, "I gotta travel"
Do you realize how idiotic this attitude is? The bills are NOT going to magically disappear.
Millennials want to see the world and see different cultures. Many of our parents have never traveled internationally or traveled much domestically and we dont want to do the same thing.
Exactly!!!! I think ive been more places than my mama has!! And she makes great money. She's from the era where u work till u die and the only traveling u do is go down South to visit your relatives😥
tamara stone 🙁
@@tamarastone141 Sounds like my family. Or church trips (maybe). Even my family reunions are in places everyone has been many times before down South (Orlando, Miami, or Jacksonville in FL, Smoky Mountains of TN, GA).
Many of them have never left their communities, and look at me crazy for getting on a plane.
This!!!!
The money we spend on vacation ain't going to get us out of debt soooooooo...... We might as well use it for fun. If we give it to the bill collectors we ain't even going to smile because they're going to take as much as possible in interest, so vacation it is
Qualeen Randolph periodt sis !
@TheHNTRS 😂😂😂
😂😂😂
Oh god, the interest😩... it’s really disgusting
I am right there along with all you ladies. I work too damn hard to just pay bloody bills not not take a vacay EACH AND EVERY DAMN YEAR.
THANK YOU 👏🏽👏🏽👏🏽👏🏽 You hit every point! And sidebar tell the baby boomers to RETIRE! Methuselah has been the bank manager for 47 years and refuses to leave! Turn it loose ma’am!! 😒😂
Tiffany Tenae not Methuselah 😂😂😂😂😂😂
😂😂😂 Got a woman at my job pushing 70, evil as all get out, NOT hurting for money and will. Not. Leave! I'm like, "Bye, Felicia. BYE!!" 👋🏾
NeoDarkling Goth sis I work with A lot of older women who is tiredddddddd and angry and just as old as my patients I’m like mrs Bertha you bout one diaper change away from being here ya self
OMG!!! Yes!! Especially at the post office🤦🏾♀️
Lame lames and the dmv or social services
I AM NOT A MILLENNIAL, BUT APPARENTLY I HAVE A MILLENNIAL STATE OF MIND!!!😂🤣😂🤣
#70SBABY
Me too! #70sBaby
Yes 70's baby over here too🙋
Girrrl, I was coming to post the same thing lol! #70sbaby
Lol right
I was posting same thinggggg!! #70s baby
I literally had to hit up Sallie Mae on some.."🤔😑😑ummmm who told yall I can afford $350 /month...absolutely NOT!!!"...Sir then what can you pay?? Ummm...idk $25 ma'am!! 🤣😂...I care about everything BUT them student loans on God!!
Shawn McCoy
My stepmom went straight from college to a career at the bank. She finished paying her student loans after she retired and said she never missed a payment. That's when I started side eyeing my loans. They can come and take this degree!!
@@younglaster right!! They can gladly have both of mine lol
@@younglaster mines is under my bed.. They can definitely take it back 🙌✌️😂
Girl they didn't send mine cause i did pay the shipping fee 🤣🤣🤣
On God 😜
The part of seeing our parents stressing over bills is so true!
KingzKidBeatz yup, paying all the bills (being responsible, I know🙄) but not having any money to do or get anything else at all after that til the next check... um no that’s not for me
Well yes.....that's what called "being an adult" Perhaps you might try it before your next trip
MsCardio1
Although I agree that that is part of adulting. I don’t think people should be working 40+ hours a week to only pay bills. Where is the joy in living?
Not everyone can be company owners or have good well paid office jobs. A job that contributes to society is a job and people should be able to live with whatever job they have not just barely scrap by to survive.
@@MsCardio1 Facts!!! Then watching their parents continue to work hard and “stress” so that they can live their best lives, SMH 🤦🏽♀️. I have (3) millennials and the struggle is real!
@@seadragon1456 Welcome to reality. In order to earn enough to enjoy extras, you need either more education or specific trades that pay well.
There were some funny parts, but this video got real.
Girl! We stay running! This is a Ted Talk!
I need to know that return policy on my degree cause y’all can have it back and refund my student loans. I’m not even using it 😩😩
Same.
And is that the college's fault.......or yours?
MsCardio1 please don’t gaslight 🙄
In my state my BA isn’t usable so I’m getting a MS and hopefully that will help....
“The two people arguing by the horse” 🥴😂😂
Kash took me out 💀💀
We are running from toxic work environments. YASSSSSSSSS SIS PREACH ! 🏃🏾♂️🏃🏾♂️🏃🏾♂️🏃🏾♂️🙌🏾🙌🏾🙌🏾. Ain’t nobody got time that .
By toxic you mean one in which 1) you are expected to show up on time 2) you are expected
to be skilled at your job 3) you don't leave early......then yeah I can understand your dilemma
Not the two people arguing BY the horse 😂😂... 87 baby here. And I do what tf I want 💅🏽 bills are forever. My life is NOT 😂😂
Lol right, they gonna be calling your grave like, "when can you make the next payment?" 🤣🤣🤣
I wasn't paying my student loans till they went after my taxes, and I responded quick and got a payment plan.
LOOOOOL
alright, wesley snipes
They have deferment plans, hardship plans, etc. Taking no action is just silly. Lord knows with my low paying poverty jobs I've had I can't afford to pay back that money but I fill a hardship form out once a year and I'm covered.
Lol You funny
Same! That was some kind of hurt. 😂😂😂
Every body struggling these days !!!!
Theresa Harwell got that right!
We all be in the same boat and don’t even kno it that’s why I never look down on no one
True
I have never related to anything more. After checking my student loan balance after paying consistently for the last 2 years and the balance WENT UP. cried for 20 minutes and keep it moving.
😪
At least with all loans currently in forbearance anything you pay goes straight to what you owe and not interest.
Edit:
I think it's until Sept 30 2020 so it's best to pay as much as you can up to that date, especially if you are usually getting charged hundreds in interest a month.
I know hindsight is 20/20, but a good question to ask is how much will my outstanding/principal go down at this current repayment plan. Then you need to pay the amount that allows your debt to go down by x-amount.
Another option is to check whether you can get cheaper debt elsewhere. I'm sure you're in the US, but here in the UK, lots of credit cards have interest-free money transfers, which mean that you pay a small fee (added to your debt) and then the money is transferred to your account and doesn't attract interest for x-months. Then you divide that amount by the number of months of interest-free period and pay off that amount each month.
So say you take out £2,400 in a money transfer, pay 2% fees of £48, and it's interest free for 12 months. You use it to pay off £2,400 of your student loan and then you pay back £204 per month for the next 12 months. That fast-tracks your loan repayment: just make sure you have the extra £204 to pay down.
Hope that's helped someone somewhere. You can get out of this, you just have to tackle it a bit at a time and ask more questions. Good luck out there
Yup, I owe $20k more now than I did when I graduated. And then Betsy ass get in and try to get rid of loan forgiveness programs.
THANK YOU SOOOOO MUCH FOR SAYING THIS!! I have been struggling for years to find jobs that I went to college for because I don't have experience. How are we suppose to ever get anywhere if no one will hire us to gain experience. I know I can't be the only one who is having this problem. I appreciate you EJ.
Preach!
One job in my field that I called to get info on was one day a week, $7.50/hr, not even guaranteed a full 8 hours @ $7.50/hr. I could do better than that literally anywhere else. My jobs have been in retail, restaurants, one daycare, and one call center which all have various unpredictable, random hours that I dislike but there is nothing else so I'm stuck.
Hallelujah!! My problem i got a job not in my field of study so now I'm trying to cross over i got no experience for the jobs i actually want 😭😭
@@kinkykoils6176 Same.
I know right. I agree with you.
I'm just glad you spoke on the dates of when millennials were born..lol... People say millennials but don't know who we are... Everything you said is true
Millennials are basically just the older Gen Z
This is a whole mood!!!
Yaaaaasssssssss!!!!!! Loans and bills will always be here, so why not enjoy my best life.
"2 yrs experience if not more for a certain job title" that part.
It's ridiculous and the pay they offer is insulting.
@@kinkykoils6176 exactly like I shouldn't have to have a side hustle to pay my bills. Lol
Also, ahem..my lash game is trash😐
Nah girl everything is on point ! I love your hair and brows especially!!!!
Lipcolor game is strong! Poppin'
Ejspeaks not IMO. They look natural, which is more then I can say for so many out there sporting them! I love them 😍
Keep at it. Let the glue dry for about a whole minute or two. That usually helps. You always look BEAU-TI-FULL though.
GURL, YOU KNOW YOU GOT IT GOING ON!!!
Born in '84. I'm an older millenial. I love you more than ever for making this video!
1:45 “Not the 2 people arguing by the horse” 😂😂😂 I laughed so hard !
So true! I think millennials know that life is supposed to be enjoyed the whole time! Not just after retirement!
Sometimes I wanna tell these Bill's collectors to kiss my🤬 and take a vacation 🏄♀️🤽♀️
On point shelica Smith as always 😃😃
Sis just gon and do it. Our ancestors ain’t die for us to work and die. We got to enjoy this
That ,however, will not make those "Bill's collectors" go away
This video made me feel really good about myself. Folks had me feeling like I was doing some stuff wrong, but I’m feeling nice. Gotta get away from all of that toxicity! #WeAreNotDoingThat lol
Thank you! My man and I both work two jobs and are constantly doing side hustles and seeing what certifications we can train for next! So when we see a getaway deal (which is the only way we can take a vacation) and actually manage to get the time off we don't want to hear NOTHING!!!
This is too realllll! Speak on it sister EJ! 👏🏾👏🏾👏🏾 Stress is never worth your health! I'm taking my vacations broke or not honey!
As an older person, I have no problem with younger folks, or folks of any age, living it up and not waiting to enjoy themselves, or even popping from job to job. Life is definitely too short to be unhappy. My only problem is if and when those same people ask for money from the people who aren't living it up as much and who are saving. Some people will play with their money and want to get serious with yours. I know people who buy the most expensive this and that, and stay on a flight, but as soon as they land and check that account, here comes the calls. As long as your lifestyle doesn't affect my pockets, I say bring me back a souvenir, and enjoy your life.
Its like my thoughts transformed into a person and talking to me, but im not crazy lol
You hit every dam thing right on the head. But my ass still can't afford a vacation tho 😂😂. But a man can dream.
Yes, our pay has not increased with inflation... I haven't been on vacation in years...
Ahzar You can do like we do, we take the change we have left over from spending cash, and put it up and save it. That’s how we paid for our vacation a penny, nickel, dime, and quarter at a time. Even a single dollar throw it over in there.
No SNAP benefits for you. LMAO This shit had me in tears!!!
Well... a lot has changed. We didn't have internet, wifi, online hustles backn in the 80s.. credit score score score.. is a joke. Vacations are more affordable than it was back in the day. A lot has changed but I think this new generation of kids are SPOILED ROTTEN!!
"RIDDLE ME THIS EMPLOYERS...WHERE WE GONNA GET THE EXPERIENCE FROM IF NO BODY WILL HIRE US WITHOUT THE EXPERIENCE?"
These words are FACTS.
On top of everything if you have kids we're doing our best to spend quality time and provide them with best..#balance
Yep
I felt this so deep in my spirit 😭🙌🏾
EJ... I had to watch this TWICE. SHARING to EVERYONE! You are speaking about MY LIFE!!
The Way You Savagely Unite *Raw Truth* and *Good Intention* with *Pure Sarcasm* is L I F E
🤞🏽😩🧘🏽♀️🌻
It's called BUDGETING!💯💯🤷🏽♀️
Right like when is the last day I have to make a payment?? And what's the minimal payment amount? 😂
MA’AM! Thank you! You just listed all my problems & the exact reason why! You get it, you get it! 😩💯💯💯
I pay my bills and my credit score stays going up. I wish I can take a vacation. (Lies they tell!))My student loan is almost paid off and I am putting money in my savings. I will be retiring early.
I'm glad you care about your credit and savings. Please talk with my kids🙄 Hopefully they'll grasp the concept sooner than later.
Girl, u better live a little cause u will definitely regret it when u get old and look back ar your life and realize you didn't see the world. You just living to pay bills aint it.
Financial freedom is the best thing you can do for yourself, make the sacrifice now and you can enjoy life later on stress free
IMPERFECT WOMAN OF GOD don’t forget to enjoy your life too. I’m doing the same thing paying bills saving and improving my credit score.
Good for you sis. Hope you get to reap the benefits of waiting 👀
"Debt Smedt!" Wow that's a whole sermon.
"Not the two people arguing BY the horse..."
I CHOKED 🤣🤣🤣
I felt this WHOLE video.
I hate how news articles don't call out how rich baby booomers are working past retirement because they're bored, and not giving their positions to newer younger employees. When was the last time anyone heard of a boomer working for a dollar, so a youngster could apprentice in the company? Sad....
They can't get from you when you die so.....
Hopefully your parents don't outlive you nor co-signed for you.
@@meemee5660 Negative because I am an adult. But thanks for the the alternative though.😊
That's true, all student loans are forgiven when you die. Thanks DE!
Facts, Sis!!!! Lemme save this so I can watch it again and again!
This whole credit score crap is also a form of enslavement... think about it, and who invented the credit score phenomenon? (Rhetorical). If you have an excellent score, it usually means you can just afford or have the means, hence, wealthy people. But if your score is low, you get denied, denied, denied; therefore you don't and won't have the luxury like those wealthy counterparts.
Think about it🤔🤔🤔
Yes! I see all these commercials with the fine print saying " for well qualified buyers" but let me tell you Linda those people don't need that $1,000 cash back with no down payment and 0% interest for 60 months! We broke people are the ones who need those terms. The unqualified buyers!! Lol
Im not wealthy but my score is 719 (took a dip when someone I cosigned on forgot he needed a job to pay bills).
@Evelyn Collins Oh I agree. I'm 41 and have only had 1 car note in my life. I learned. And I love Suzy btw. Cash or nothing.
Not true: you can build your credit score having zero money. You just need to be disciplined, that's all. A lot (not all) of it comes down to how much hout can borrow vs how much you have outstanding. So if you have a total credit limit of 10,000 and you're using 8,000 - bad credit as you have 80% utilisation. But say you have a credit limit of 10,000 but used just 5,000 --> better credit as you have 50% utilisation. If you have 5,000 and you user only 2,500 you still have your lower, 50% utilisation so your credit may be better.
So what to do? 1, pay your existing credit off (of course). 2, Once that's done, you will be offered lots of credit. Take some and never use it. You should have some credit outstanding but never pay interest on it: repay it before the normal (56-day or so) interest-free period is over. Buy, idk, a grocery shop on thre card and when you get home pay it right off if you can. Then watch your credit score grow!
Truthful content...stress basically killed my poor mother. I have millennial children, who's response to everything is "it's not that serious” and it really works for them...i still don't get why I stress about everything.
Chile, I'm so sick of student loans that I had to take a break from payments and put them in deferment..Then, if you consolidate them tricks,they start the payment timeline over...So, in between praying, working, and figuring put my next move I am definitely going to find something to alleviate myself to avoid drinking..#overit #1985baby
Tell em!!!🗣👏🏾👏🏾👏🏾
Girllllll😂😂😂 I almost choked on my water when you said: "Not the Polo shirt with two people arguing by the horse!"
100% TRUTH!
especially seeing your family members go thru mental decline!
H3ll! I have a masters in accounting forensics and a certified forensic accountant but no one would hire me without experience!
So here I am doing NOTHING I went to school for. And over $100k in student loan debt!
GO BERNIE SANDERS!!!!!
I'm a babyboomer, so welcome to the real world. I said the same thing when I was younger, and now you all are still saying the same thing. Oh and I still have college debt, and all the toxicity is not new. I feel you, and I'm about to go on vacation, and somebody is NOT getting paid. Millies go liiiive yo best life.
You deserve 1,000,000,000,000 subscribers!
I’m so sick and tired of trying to explain this to folks!!!!! From now on, I’m just forwarding this video to any and EVERYONE!!!
From the Bahamas you are amazing. You keep reminding of I Am as a black Woman and a Black Queen.
I’m going to London this summer just went to Thailand lol one life to live hahaha subscribed
ValliVon go girlll!
and will the bills be in the mailbox upon your return?
Girrrrl, this vid is life! I’ve got three degrees that I’m not using working as a caseworker in the welfare office. I make too much to qualify for benefits meanwhile we throwing money at people to stay poor. Just this month, the job classification below mine got a massive pay raise to mine without all of the degrees my government agency said we HAD TO HAVE to even qualify for the exam-people are about to sue on a massive level. Let me tell you I became a business owner just because of this. Millennials have to find different ways to make our lives to what we want them to be.
Great vid!
👏🏾👏🏾👏🏾👏🏾 She spoke truth...and I’m not even a Millennial. 😂🤣
She spoke the idiotic millennial mind set that "someone else is to blame.....and they should pay my bills!"
Preached a whole word! I'm a teacher in the great state of SC and the loan folk called me talmbout you owe $3, 637. 57 to be current today. How are you going to pay? I told them I can immediately take care of that $37.57, but if they need that $3,600 today they have an advocate with the Father! They're not about to stress me out and make me ineffective for my family or my classroom babies!
You absolutely right. You talking about me. I got a full time and part time and two side hustles. Student loans is mfer.
AIR 👏🏽IT👏🏽OUT👏🏽SIS👏🏽. Whew, chile. You just spoke a word over my whole life! Thank you for telling the truth and not glossin it up and doin it for the gram. I have been saying this and people look at me like I’m crazy. I’m not paying these student loans. Dear govt, you ain’t Eva Eva hon get this $ 🤷🏽♀️My car is used, no note, leave me alone about it. I have investments, I do my own hair, nails and meals. AND I’m going on vacation.
PSA: If any young people (generation after the millennials) are watching this video, please don't go to college. The degree is not worth the debt.
Instead of advising people not to go to college, the country will still need it's teachers, engineers, and doctors in the future, I would say be wise about your education. Go to community college for the first two years, especially if you aren't sure about what you want to major in. Take a look at the availability and pay of jobs for your major. Don't go to private school to major in history and expect 120 thousand a year. Also take a look at trade schools.
And most importantly research your desired job, not just the glamorized version of it. You don't want to go through 4 years of college an only then realize the job you thought you wanted is not what it seemed.
👏🏾 👏🏾 👏🏾 👏🏾!!! Your student loans will be more than you car note and or rent and mortgage!! And like...for what?? Smh 🤦🏾♀️
Or pick degrees that are hiring. Don’t get a useless degree 🤷🏾♀️
Paul and Akia let's just agree to disagree.
A worthless degree from an expensive "elite" university certainly is NOT worth the debt.
Is it so hard to 1) research what skill will be needed in the mid 21st century
2) what degree gives you that skill 3) can I get #2 at a community college 4) can I work like
hell during college to avoid debt? This is called "adulting". Many of the posters should try it.
Giiiiiirl, I'm about to have to owe you an offering. You're preaching a mighty word, please continue! #millennial🙋🏾♀️ #askingquestions🧐
Girl this video explains my life to the VERY T right now. I work for Delta Airlines and will use any excuse to catch a flight somewhere. (ex: arguing with my man, over working myself, loss weight loll)
To finish off my previous comment... I’ll use any excuse to travel, & call corporate to allow my rent amount to remain the same during renewal. Paying rent IS JUST GHETTO TO ME.
They hiring bc i need a n e excuse vacay all the time
@@TT-xj3si Delta does a "mass hire" right before summertime.
Yes ma’am! I work for a regional and I can tell when I need to take flight by how much these PAX get on my nerves.
Amen we are straight running away to vacation!!! This video is on point!
Lol agreed MIND YOUR BUSINESS! #1988
EJ, you spoke the truth on this! I'm 1 year short of being considered a millennial but I share this philosphy. Thank you for this!
I👏🏾AINT👏🏾FINNA👏🏾LET👏🏾THESE👏🏾BILLS👏🏾KILL👏🏾ME!!!!!
“Stress kills you.. And if you dead you cant go on Vacatiooooon” hahahaha 😂😂🤣
I was discussing this the other day lol. U r young gurl! Born n the 80s?!!!
Speak on it!!!!!!!!! I ask those questions not ashamed!!!! I’m not going to stress myself out I’m going on a weekend trip!!! Period!!
" we don't want to get murdered walking to the mailbox" 🤣🤣🤣
You better speak on it!!! I felt this with my whole heart 💜
Nothing but truth I’m going to Jamaica in August
Passionflower I need to book me, my trip to Greece🇬🇷.
SpecialK 02 okurrr girl go!
Preach lol 💙💙🤣🌻. Stress-free. This video tickled me. But so real! 💙💙💙
Yea they need to lower the rent on a lot of apartments and rental homes
Tell em EJ. Keep taking and enjoying your vacations. Millennials are leading us into the future. Do you! This Xer supports you.
RUNNING from the bills!!🤣🤣🤣🤣
oldsoul 😂😂
Thank you for telling the truth. We are not dying of stress because our future is shot.
Sucks because it seems like society played millennials telling them that they NEEDED a college degree. You don’t. I’m on a high school diploma making $20/hour as an account administrator. Not stressing at all 😂
So true I have my GED and make $19/hr with full coverage health insurance including dental.
Yep. My husband got his ASCs to be a mechanic and was also a smog tech 2 trades that don’t require a college education. He moved his way up in a company for he’s been at for 3 years and is now the transportation GM for Southern California. I was able to stop working in December. We paid cash for our wedding and bought a house when I was 25. Literally living the American Dream. No degree required.
Amen im 42 and been had that attitude, cant worry about what u dont have or cant change.
Run for president...I'll vote! Girl..you made more sense then anyone in government, city, state, etc.
Lol I manage to pay off $100,000 in student loans. It's tough but possible. And yes they put student loans on that credit report.. I'm at an 821. No vacation trips for me.🤣
Tiffany Chanell damn you did good ❤️.
@@MissMickey4 thanks so much! 💓 I posted videos about my journey on my page and just give encouragement and help to others on the same journey.
Tiffany Chanell I’ll follow you!
@@MissMickey4 awesome thanks and welcome to the FIT Family!!💓💰💪🏾
Wow. This video is what I needed. I’m an only child adult and my baby boomer parents try to guilt me all the time.
"If you're dead, you can't go on vacation. Duh!" 😂
Brruuuuhhhh!!! Preach Preachaaaa! Man, someone pass the offering tray around! Speak that truth! Lol. She is expressing all my inner thoughts 🙌🏾🙌🏾🙌🏾
Yes #ejspeaks what do I have to stress about I have to pay one of them in full and IT IS GOING TO BE THE RENT what sense is it to be homeless with my student loan? They should have a statue of limitations already for these student loans I haven't been a student for 30 years now....sheesh
This comment!
Omgee once you mention Credit card bill. That remind me to pay my bill and I was late!😣🤦♀️ and I'm over here planning a weekend trip 😂 YOU SPOKE NOTHIN BUT THE TRUTH!
See that y I dont have to go to church no more because you in the BOOK ... you our Preaching a good word .... .... keep telling the Truth....😃