2nd Channel @ZacV2
My TikTok https://www.tiktok.com/@zacrios?_t=ZT-90LyuVCSxLr&_r=1
Chapters
0:00 Subscribe!
0:51 Debt Breakdown
3:24 Credit Card Statement
4:50 How I Got Into Debt
6:03 Gotcha Games
7:39 $7,000 In Debt From Food
9:14 $70,000 In Debt
10:35 Vacations
12:51 Minimum Payments
15:29 Comment
15:44 Back In Debt After Bankruptcy
17:29 Comment
18:09 “Free Money”
19:48 Declining Credit Scores
20:36 Payday Loans
22:00 Comment
22:35 Deadbeat
24:07 $1,200 Car Payment
26:03 Regret
27:37 Not Normal
#money #finance #debt
Do you know someone in credit card debt?
I waited to get a luxury car AFTER I retired from the Air Force. I got a luxury SUV1 6.5 with a payment of roughly $700 in 2019. I ended up refinancing 2 yrs ago and I paid it off this summer
The punishment for filing for bankruptcy needs to be higher to encourage people to develop better spending habits. Otherwise you're just telling people that money is free and they can spend without any repercussions
If someone really thinks credit cards or Apple Pay is free money (I don't care if you got a lack of financial education or not), you're just plain stupid. You live in the real world, you got no excuse. It's basic knowledge, there is no way you never heard about it.
i was recently pondering how i don’t feel like i’ll ever be able to save enough to retire… then i had a sad thought about all the kids that are younger than me (33) and struggling. i am scared to see the epidemic of self deletion once these people get too old to support themselves or once the CC companies stop extending them credit.
I would love to watch a disney debt series!
"Let's have a look at my credit card expenses and see why I'm in so much debt."
Sorry lady, but with the size of those cheeks, I don't need to see your expenses to know why…
Then you are overpaying for every product you buy. Until you realize that a bottle of water costs $.15 in Thailand and the cruise ship, including food buffet with a beer or champagne buffet is $21 then you will never understand the finesse. I recommend you make a location change cc debt or not.
going to Disney bc you don't have a passport and your options are "limited" when there are so many domestic places that are cheaper AND more awesome??
this is why the education system needs to change. how do people not know they are acquiring interest daily. of course its by design and the system wants you to be ignoirant. if people were educated, credit card companys wouldnt make jack shit.
I be feeling like shit about my little $3,000 of credit card debt then I watch your videos and be like “let me just shut up and make a payment”
Do single people succumb faster to the debt spiral than married people, because they don't have anyone slapping them in the face?
"food addiction" what is that even meaning?! We all have food addiction, cant live without it… She is just addicted to living the easy life eating out.
That girl who was $90k in debt after going bankrupt. Then she says she took out more credit cards to improve their credit. I just want to throw up at how bad her decision making is ????
$90k of debt on utter crap.
Why do people do their makeup while they explain their lives?
I average around $200 a month on my personal credit card, and $1000.00 on my business card a month…I never carry a balance. I'd have heart failure if I had $65,000 credit card debt…
Caleb manages to find the most unhinged people
Credit cards are nothing compared to college debt.
Credit cards aren’t hard, don’t spend money you week gunna pay back they month. I win with cards I get free travel and cash back and never pay interewtc
I'm very excited as I'm about to pay off my last debt after several years. It'll be so nice watching my savings get bigger. Having that cushion is a mental health game changer.
My only debt is a mortgage at around 280k. I pay off my Credit Cards every month, and my car is paid off. I do consider a mortgage a slightly different form of debt, as it doesn't necessarily depreciate and that is a bill I pay appropriately every month as well.
Watching your videos is amazingly alarming; I don't get how people can do this to themselves, for that long.
I'm fifty and never had or used a credit card
My wife and I paid off over 100k in student loans in about 7 years. It was massively hard but the feeling of being debt free was amazing and I will never go back into debt for anything other than a mortgage and that only when I can put a huge amount down on it
Debt is what keeps slxvery alive we’re all screwed