Influencers Cant Figure Out Why They're Broke

So we are going to take you by the floor. Allegedly okay what are we thinking are we liking the rainbow color oh sure I switch it to like orange color to match the vibe or like a light pink to match this I don't know guys you tell me on the comment top comment top comment when have you guys ever been broke like drowning in dead and like financially fighting for your life and even if you haven't I think we can all agree that it sounds absolutely miserable right now what do you think is a smartest decision that you can make in a situation like that get a second job cut back on spending start paying off your debt oh no how about treating yourself in a nice vacation in Hawaii why be a hundred and eighty K in debt at home when I could be a hundred and eighty one K in debt in Hawaii I mean sure if it works for you and you know what her excuse for this purchase was by the way she was like hey guys so I actually didn't use my credit card for this I use cash so technically I am saving money no I did not put this trip on credit card I worked three jobs eighty hours per week now this was mostly prepared nothing on a credit card and I paid off a credit card last week all my payments are up to date and I budgeted what's in my account for this trip then I'm back to the grind of working on getting out of debt that's like saying oh my god my house is on fire but don't worry because I threw a bucket of water at it sweetie that's still not gonna help with the problem that you have I have no money for food but I bought this three thousand dollar dining table with cash so who's really winning me or the credit card company congratulations you're still broke just without the interest that's the same discipline that got you 180K in debt in the first place hey sure you went from 180K to 181K in debt you're winning someone who previously appeared on Caleb Hammer's show you know that financial guy that makes those videos on YouTube like I think is like very popular I've never watched them but I've seen him a bunch of times on my for you page so they appeared on his show a while ago to get their finances back on track and they said that it actually worked he really helped them and they actually managed to pay all their debt and a few months later they got back on TikTok saying that they're in a massive debt yet again Caleb Hammer told us that we should have a six-month emergency fund we saved up and I completely spent it on a impulse buy this would not be Caleb Hammer approved I don't know how to have money in the bank account and just keep it as an emergency fund he does say to put it in a complete separate account which we didn't do and that's why we spent it now before I show you all the purchase we listen and we don't judge you know those shit happens maybe her son needed some new school supplies or like she needed a laptop for her job life happens and I'm not gonna be over here like oh you spent all your savings what you're terrible at managing your money no so let's see what actually got her into debt again we didn't spend the whole emergency fund on it okay so that's good uh huh you're gonna open the back so we can see what's inside okay so that was one and then oh it's inside the bag office bag and then the other one is just my daily and then it even came with like a chain a gold chain but it also came with this strap dude I've never had I've never ever ever had a designer bag never thought that I was gonna spend money on a designer bag but it was just so beautiful so beautiful I get it I totally understand guys I would never buy this luxurious crazy car that I can't afford but like it's so beautiful I just like I looked at it and I'm like is this worth going like 200k in debt for buy it to give you a little more context she was in debt for 105k and she says 105k in debt paid off now what so you paid 105k which is like I'm actually really proud of them for paying 105 that is wild not everyone can achieve that so good for you I'm guessing you got some really good financial decision and you paid that off but then to come back on tech talk and be like so hey guys I bought these extremely unnecessary bougie bags because they're just so beautiful I can help it are you serious and out of curiosity I look these bags up because I'm nausea just wanted to see how much it has been and the first bag is retailing for 3.3k before tax so 3.4k for just this back and I'm like lucky though this does not look like maybe it's just me that I would never spend 3.5k on a bag that looks like I could get a team of four like $10 like who's going to know who's going to know that I bought this at email no one's going to know unless like they're like wait let me take a look inside the bag I want to see if this is very authentic and if it has the ID code oh let me let me actually scan this this ID code to see if it's authentic like no no it's gonna check and the second one is retailing at 3.7k calculator 3,750 7,100 on two bags that's sounds financially responsible hear me out we listen and we don't judge okay so you right you right because what if her job requires her to show up at work with a $3,000 Louis Vuitton bag I feel like we're judging here let's let's give her a moment let her explain it what's that word don't ejaculate prematurely I think that's a title that I've seen somewhere nevermind scratch that I kind of wanted a backpack also the office does require it and I was like man like I keep buying all these bags yeah yeah yeah okay none of them are fulfilling me right oh for feeling I've never even bought a coach bag in person I've never bought a Kate spade like nothing I'll just straight target whatever that's nasty yeah yeah you're right you're right I thought process was like okay I can have this one for daily use and then I can have this one as like a backpack yeah yeah I bought these four or five months ago and I haven't even looked at any other bags that's gross that's what I call growth spending seven K because she wanted to feel fulfilled sweetie you could have gone at like Dunkin Donuts and got a couple of lattes that usually fills me up so quickly you should've just done that instead it's like $15 for two lattes that's a lot cheaper in my opinion whenever you feel like you need to be fulfilled had to dunk in or like had to I don't know a restaurant maybe cuz yeah I'm pretty sure you're just hungry or maybe that's just me every time I'm thinking about making a huge purchase that's what I know that I'm hungry and I gotta and I gotta go eat so that's why that's why we did it yeah yeah yeah okay because it's like check out that one time but I know people say okay it's just that one time and then you keep going but it's been four months and we haven't bought it but still keeping an open mind here she wanted two bags she said she never had designer bags who cares you know like I know very expensive $7000 but she's not gonna die if she's $7000 in there thank God that she didn't make any other crazy purchase but we also bought a like $65,000 car so our dead is like 70ish K so the 7K was not enough right there like 7K I can pay that I was able to it kind of is that mindset though do you think oh I paid off 100K 7K I got that anytime you know what add another 10k to that 17k I you know let's buy a car 75k 80k I can I can do what I paid off 100 I can definitely pay 70 to 80k really that's the mindset you can be doing that or I can pay this I can pay that you're always gonna be in debt if that's the mindset that you're using and I got nosy I was like okay let me take a look at what her previous car was so I went to a tech that she posted back in February with her car and I was able to look up the car by the seats that she has in the rain of the car and I think this is it I think I actually found her car that she was that's literally the car right and I think this is the car it really matches the one that she was driving I'm not sure of the exact year that she has but with the prices that I could find online she spend at least 30k on this car that she bought a few years ago and she only bought this other car because she wanted something to spend her money on so basically spending money just to spend money and you know what she bought she bought a 2027 Tesla YL why are you in debt low key out of all the cars that you could have paid you you went for you spent like 50 grand is it 60 60 grand on on a 10 oh my god oh my Tesla really and one of her comments said you deserve it what does she deserve the debt I love a supportive comment section you deserve it you deserve to be in debt I'll be here for your debt journey debting hashtag debt hashtag 20 debts let's be twins and we can be in debt together I don't want to say it's been bad but we're like we should have obviously we should have you know went up to the emergency fund again and then we could start spending because we can go back and we we could afford it monthly which which is good, but remember, I'm like self-employed. Right? I don't have a 9 to 5. Hold on though. Hold your horses. You're self-employed? Do you guys remember what she said a few minutes ago? So, I kind of wanted a backpack for the office and I was like, man, like I keep buying all these bags. Me when I buy a $3,000 designer bag, I work from home and I have to get to the office. Okay kids, make sure you guys do your homework. I have to go to work to the office right now. Yeah, behave while I'm working. All right, we're here. This is definitely impulsive spending because she bought this to feel fulfilled and I get it though, but at the end of the day, this is $70,000 that we're talking about. Usually, I just like, I splurge on a lot and I get the extra stuff that cost extra, but $70,000, this is like doing coke and being like, I only did a little bit and then you go back for more and then for more, more, more, more, more, more, more, more, until you get to 100K in dead. And it's sad because she says, I spend my emergency fund on something that was definitely not an emergency. On another note, though, it could be worse and you're probably like, how can I get worse than 70K in dead? Like, 100K in dead, isn't it? No. A tiktaker who's been using Apple Pay for a while realized months later that after she was using it, that Apple Pay was actually real money and not fake rewards money. If you use Apple Pay, honestly, just be so careful. This is a little embarrassing to admit, but if this could help one person, then I'm really willing to share what my experience was. I'm just gonna lay it out like this. When you use Apple Pay, that's real money. What? That's true American dollars from your credit card. But like, what if I'm Canadian? What if I'm from the UK? Does that mean I'm still spending US dollars in the UK by using Apple Pay? Oh, that kind of rhymes. In the UK, by using Apple Pay, in the UK, by using Apple Pay, in the UK, by using Apple Pay. Credit card. If you have your credit card connected, that's where the money is being sourced from. It's not like a special form of Apple Pay, Apple dollars. Why they don't just say this is real money while you're playing? I don't know. You're telling me that this entire time that I've been doing this? I've been paying with my credit card. I thought this was coming from like a virtual world or like where the phone pays for my stuff, you know? Maybe I was thinking like, oh, I have an iPhone. So maybe with iPhone, you get free purchases and you can just use it. No, but in all seriousness, she says that the reason why she didn't know that it was real money is that she thought that she was collecting points for using a iPhone and because phones sell their data, she thought that she was getting a check. Out of that, like they were giving her free money for her to use. I wish that I was lying with what I just said. Because I thought that I had accumulated a bunch of Apple dollars to use for Apple Pay by, you know, spending so much time on my phone, giving my dad a very freely and willingly to any place that asks like whatever they say or cookies. Okay, I say yes, yes, yes, because I thought that's how I was getting prizes, getting awards, getting Apple dolls. I thought when you, when they ask our cookies, okay, I said yes, because I thought they were sending me free cookies. So I'm not getting free cookies. I didn't think that was real money till I checked my credit card bill. I, I've been spending money like, I'm a freaking millionaire. I, I got hair moves. You know what though? You're not getting to me. I'm just gonna assume that this is rage rate. Even if it's real, why would I be mad? You know, like this is the internet. People can be broke. People can be stupid. Do I need to waste my time and my energy and get upset? That someone didn't know what Apple Pay was? No. But have you guys ever been on a no-budget shopping spree? No? Why? Are you poor or something? Have you considered making more money? That usually helps. Like I just make more money and it helps with the problems that I have. It's that easy. Well, since you have it, let me just show you what a no-budget shopping spree looks like. I'm in desperate native summary till third piece, so we're gonna do a no-budget shopping spree today. We're starting at Sephora. Okay, I thought I would spend more in there, so I'm not mad at 92. Okay, okay. So far, only $90 is not the worst no-budget shopping spree. Let's just see what else she buys on this no-budget shopping spree. Okay, next stop is Olka. Let's get it. Whenever I see a big claw clip, I have to get it these. Okay, unfortunately my shopping spree got cut short because I've been having some car shoes the past couple hours and I was so far from home that I was worried I wouldn't be able to make it home, so I had to dip. I made it home, thank the Lord, but we're gonna have to figure that out before we hit up the coach outlet, which was my plan. So as you can see, sadly, she was only able to spend $300 because her car kept giving her problems throughout the video and she says that she needs to figure out what to do with her car and like my first daughter's like take your car to the mechanic so they can fix it or anyways, I figured it out. I just got a new car. Oh, is that what we're supposed to do? Huh, because usually when I have a problem with my car, I take it to the meat, so we're not supposed to be taking cars to the mechanics, so then what are they for? I've been wasting money this entire time when all you have to do is buy a new car. How come no one told me from the beginning that if you have problems with your car, just get a new one, it's that. Oh, sometimes I feel so stupid. I sure about a new car when I had problems with my oil, because I had problems with my oil a while ago, like I had to go back twice. I should've just got a new car. I love how the video just cut like she was doing a shopping street and it just got to her. So anyways, I just got a new car, guys. I wish I could be like, hey guys, so my car has a couple of issues. I know I'm going to a new car. Mechanic, what is that? What? Never heard one of those McCann, me, me, me, me, me, me, me, me, can. No, I'm going to buy a new car. No, she actually says that her car has been giving her a bunch of problems and she decided to buy a new one. And if that's actually the case and the repair, it's going to cost you more than buying a new car. You might as well buy a new car, right? But was that the actual case? Imagine breaking your roommates Louis Vuitton chocolate purse. I just want you to imagine how it felt opening the fridge to get some shitty leftovers. And finding this. Oh, that looks bougie. Oh my god. I just broke my chocolate purse. I just broke the chocolate purse that my roommate was gifted on the first date. I was just going to say can I get a bite because it looks good. I immediately looked it up how much the Louis Vuitton chocolate purse cost. Not as expensive as I thought. You're good. LOL. And the cost for a Louis Vuitton chocolate purse is drumroll. Please. $250. Not that bad. How much were you expecting? Like a thousand. Lucky I was expecting a thousand. But $250 is I am not buying a $250 chocolate purse from Louis Vuitton. This makes it a luxury item, not just because of its craftsmanship, but due to its rarity and unique concept. Really? I could probably just find that on ten for twenty bucks. No. But why are you touching someone else's food? And also, I did notice that maybe the way she grabbed it, but if you play it in slow motion, this was already broken. From the first frame that she takes it out of the fridge, if you pause, you can tell that the handle was already a little bit broken. So I wonder if the roommate set her up or she just pulled it a little too hard and it broke that shit. Would I still eat it even though it's on the floor and you probably got a bunch of hair if I'm spending it during the day. I mean, even if it wasn't that expensive, I would I love chocolate. I would eat it anyways. And it's probably good chocolate. I would eat that. I don't care. Give me like a hairy chop. Give it to me. I'll eat it. What's your name? Lillia. Where are you from? New York. How long? New York. And how long is saying here? Forever. And why are you here? Weather. How much money do you spend per month on your lifestyle? Including everything. Thirty to fifty K. And how do you spend a month? Shopping. Fifty thousand thirty to fifty K a month. That's someone else's yearly salary that she's spending in a month. Oh my god. The aloe back checks out. Every time I see aloe, I think of that video that I made. Jonas, I really that we can't play this half year because you can see your pussy. Um, I am a princess. And what does that mean? That means I'm a princess. So who pays your bills? My parents. And what's your parents? Oh, of course. My dad is a business owner and my mom is a dentist. And what do they think about your lifestyle? They love it. Why is it always, oh, I'm a princess. Oh, I don't pay anything. My boyfriend pays everything. Oh, my parents pay everything. What about my parents? How come my parents aren't a dentist and a business owner? Life is so unfair. Like why couldn't this be me? Every time I see one of these videos, you remember the one that we saw from New Year where she's like I don't pay red my boyfriend bangs ring will forever be mad at my parents for not giving me 50k a month for me to spend on shopping They love anything I do what you date must be nice 50,000 per year. Sorry. No Because it's broke he's depressed How about if he earns one million per year? Not enough for anything. How about five million? No 10 million no Not after all how many millions a per year a hundred million a hundred million per year Yes, can you find that do you think you can find that guy in life? Yes, available. Yes, very much. Yes Amazing everywhere the odds of someone making oh A hundred million a year are lower than finding someone who's financially responsible on Caleb Hammer's show Listen, this might be a I'm not like the other girls moment, and you know what I admit it But if you're someone who's making a million a year I'm right here. Don't go for her. Like she's gonna push in you by me. I'm gonna love you to death though Like I'm gonna love you until your bank account runs out of numbers If you want to give life advice to everyone that's watching it can be anything what would you say? Don't be poor make more money And while some people are in life ruining dead some influencers don't even know what the word that means because an influencer and a Tiktaker called Daphne Blunt recently went to France on a really expensive vacation and while she's on this vacation showing us The place around and how expensive it is She also says that she doesn't really know what everything costs her or actually she doesn't know what anything costs How much I spent on one day in the South of France You guys can tell me if I need to budget better because I feel let's see a deal. No idea That's a good value for really anything. Look do you ex cost $20 or two dollars? I don't know, but obviously we'll start with the room I do know that the room costs around $9,000 a night and we just said oh no I thought she was gonna say so the room cost me $9,000 for a week I don't know or night how much did she stay there? The boat was set that up and I have no idea how much that cost and it was time to get ready to go spend Dealy total question mark where it must be oh my god This is you and you know you made it in life. This is gonna be me Y'all are gonna see me on text out posting videos like how much I actually spent in Japan and you see groceries Question mark question mark my hotel for a few days question mark question mark Can't wait to spend $9,000 for a day at in Japan Okay now back to reality I'm to get ready to go spend some time at clubbedo farm my favorite place on earth currently. What is clubbedo farm? And not just because they name the place after me because they have the best Hugo Spritz and the best service The bungalows complimentary since we are hotel guys so that was a bargain We only had to pay $9,000 a night for the ad maybe four Hugo Spritz chicken tundies lunch and chicken tundies Stuff for lunch and I do not know what that cost. I did not see the bill and my mom and I decided to do some shopping We went to wait guys guys guys guys guys guys guys guys guys guys guys Is that a black card is that one of those expensive? Guys comment section card experts. Is that that black expensive card? I'll see the bill and my mom and I decided to do some shopping We went to Hermaz and Dior Thank leave over favorite and again. I actually almost no idea what that cost I'm going to guess we spent around $5,000 then it was time for me to get a massage Did you get $15? That's such a hard day. The concierge scheduled it for me so hard day So cost and I did sign the bill and tip them but I don't remember after that my mom and I had been Iing the Kriegler perfume yet We both picked a son and they were 600 Diorzies We then took a chauffeur car over to hotel eat him rock. I have no idea how much the car cost of course who cares? So the most gorgeous dinner we use and we are eating at Lou's This is the Michelin star restaurant. It was delicious and had a very old school vibe And I didn't lay my hands on a bill all day. That brings my grand total for one day and it's out the France to zero Just like Eloise. Charge, please I love the fact that she was so stressed from all that shopping so she splurged even more I hate when I have to shop that much when I spend like $10,000 or whatever on shopping And I'm like this is stressing me out. Let me spend a little more money Commenting to stay on rich black girl tech talk. Why would I want to stay on rich black girl tech talk? Can I just become the rich girl? Like why would I want to be the just I want to be the rich girl? And she also posted a very devastating video lately because her comment section was suggesting that she goes to that Poor people rest trunk old Cheesecake Factory So she went there for the first time to try it out and it was horrible Cheesecake Factory is someone who's never allowed to get a chain of restaurants growing on Everyone has warned me that this is terrifying. Why are there so many different kinds of cuisine on this menu? It's a book. Why do all these places have egg rolls? This restaurant also has a wine list I don't think it would be out of the question for there to be a smolly egg here 1800 calories per bed of chiniel right now. We're getting all fat food. At least they have cloth napkin Dad would be very appalled that they brought bread and and soft drinks before the water or the cocktail Okay, but the bread smells good. I'm excited to try it And we'll be ready to put in Oh, yeah, this finished it buffalo blast. Okay. I'm expecting the answer to be no But is there a caviar service this menu is so big. I can't even look at all. Okay, caviar What is caviar service? I need someone to tell me right now what the hell caviar service is. I mean, I know what caviar is but like She couldn't have just asked for Cheesecake Factory working. Hey you. I know. Yeah, you guys don't have this like I don't even know if you heard of this word But uh, do you guys have caviar service? Oh Figured I'd just ask anyways y'all are known for your cheesecake. Um Do you guys have a Louis Vuitton cheesecake? Noah's And what oh what am I doing here then? This has got to be rage-bait. There is no way you are that Out of touch that you're asking for for caviar service at cheesecake factory. They mentioned the poor worker like Me this is cheesecake factory. Do you want fries with that or there? He is the man himself Caleb Hammer Oh yeah, Caleb oh god 250 a week on Duncan probably 250 a week on Duncan doing what? Because it's like $20 each time Chloe that's expensive coffee donuts The voice crack Every day I don't know you will be all right. Yeah probably But I get everyone else breakfast too you owe that money stop buying them donuts that you can't afford Wait 250 does a week on Duncan is crazy though So you're already in debt you owe people money and you're buying them donuts and drinks every week I can see I think I can see now how she got in debt that is 35 dollars a day at Duncan Hold up now she can be curious. I need to check my history. I just realized I haven't been to Duncan in 90 days I think I've been though. I just maybe I didn't pay with the app Have I not been to Duncan in 90 days? Well, y'all know where I'm going The voice crack? Anyways the goal of this video was to make you a little better about your financial situation So if you thought you had a bad there's definitely worse out there But if you didn't do this video and you made you feel slightly better go ahead and leave a like and subscribe And if you want to watch my videos or day early at free sponsor free debt free for only 99 a month become a member Thank you Georgia lazy lasagna Gregor Sophie Mako the baked artist Senaboy Brian G. Zach Jalena patty one e Emma Crescent Ben who snappy bb. up master QT ski cocoa Drill in starship Pepe Oscar Murdock Connor are you Milky Way Keita hybrid artist your dad's girlfriend Jenny Kiko Dito Thomas Kaira Pine Tree's Briar Brie Olivia Lazy's Crunchywick, Fakla Fatem, Zhvemek, Noble Patricia, Stinky Fart, Burles, Gosha, Raspberry, Any STWNM