Pearl - April 08, 2025


Modern Women Are Going BROKE By FAKING Their Lifestyles


Episode Stats


Length

18 minutes

Words per minute

167.84523

Word count

3,054

Sentence count

302

Harmful content

Misogyny

30

sentences flagged

Toxicity

9

sentences flagged

Hate speech

23

sentences flagged


Summary

Summaries generated with gmurro/bart-large-finetuned-filtered-spotify-podcast-summ .

In this episode, I talk about how much money I am in debt and how I plan to pay it off. I also talk about why women have so much debt and why it is so common in the modern world.

Transcript

Transcript generated with Whisper (turbo).
Misogyny classifications generated with MilaNLProc/bert-base-uncased-ear-misogyny .
Toxicity classifications generated with s-nlp/roberta_toxicity_classifier .
Hate speech classifications generated with facebook/roberta-hate-speech-dynabench-r4-target .
00:00:00.000 My husband at the time was going to be deployed soon and so I was going to be basically a single
00:00:05.200 mom. Why do married women say that? Single mother is supposed to be when the dad abandons you or 1.00
00:00:14.840 the dad says I don't want to be a dad to these children. It is not meant for married women. 1.00
00:00:21.480 Women spend more money than men. In fact, 80% of consumer buying decisions in the United States
00:00:29.140 are made by women. That is why companies advertise the way that they do. They want the female dollar. 1.00
00:00:36.120 Appealing to women is one of the most lucrative things a company can do. That is why women have 1.00
00:00:41.780 so much debt. The average woman spends $564,000 more in her life than the average man. That is why women 1.00
00:00:52.480 end up in so much debt. Of course, like most other issues in their lives, there are women that are 0.98
00:00:57.820 sharing their debt on social media. So let's take a look at some of these women's debt 1.00
00:01:03.140 confession. Hello everybody and welcome back for another episode of My Chaotic Budget. My name is
00:01:09.280 Sandra and we do all things budget related here on my channel. And today is the scary, scary video.
00:01:18.740 I have not been wanting to do this video, but it's about that time. And I think I can only make things
00:01:26.900 better the more that I put it out there and then I can be held accountable and I can work harder
00:01:33.180 towards making this happen. So let's do a debt confession. Before I start talking, my little
00:01:42.220 one would like to say hello. Hello. Hi. Yes. So she's here just to say hello and then she's got to go.
00:01:52.220 I know who doesn't have a college fund. But why not? Okay. I'm staying here. She doesn't. She doesn't
00:01:58.560 even know what her mother is signing up for her life. But this is mommy. No. Mommy's just talking.
00:02:06.220 No, me too. Then you can't talk. Okay. Okay. All right. So let me go ahead and get into our debt
00:02:13.780 confession. Okay. So let's just go in with the heavy hitters right at the start. My highest balance
00:02:23.800 owed. Yes, I know. It's not my first one to pay off, but it is a very. How high do you think it is?
00:02:32.180 All right. I'm going to say 60, 60K. High balance. It is US Bank. Oh, okay. That's not too bad.
00:02:39.780 Well, I mean, for what I thought it was going to be, $12,000. I owe $12,389. I thought it was going
00:02:47.160 to be a really big student loan. $1.51. Okay. My minimum payment is $450. So that is US Bank. Minimum
00:02:56.960 payment, $450. I do have a plan. It is in eighth place for me to pay off. So hopefully I can get that
00:03:04.080 done. Macy's has $5,032.81. My minimum payment is $195. That is number five. Best Buy has $4,495.35
00:03:17.940 and my minimum payment. So this is all straight credit card debt. 17, 20, 22, 23. We're almost at 30K
00:03:27.360 and just, I thought it was going to be a student loan for that too. That brings us to a debt
00:03:31.920 confession total of $36,242.09. That means that between my husband and I, for all of these bills
00:03:44.380 here in a month, we give $1,230 to these people, which really sucks because $1,230, that is like
00:03:54.300 someone's livelihood right there. That's what they make in a month. Well, isn't it the consequences
00:03:59.620 of your own actions? Feminism and social media have completely changed the dating game. Women 1.00
00:04:06.960 have rewritten the rules of dating while men are struggling to adapt to the new landscape.
00:04:12.000 Men want to date. They want to have sex and some want to have long-term relationships, but many are
00:04:17.680 struggling. The average guy that chooses to date needs to get as much help as he can. That is why I'm
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00:06:02.160 $36,000. So I want you guys to put your answers in the comments. I did a carnival video, right? And I asked,
00:06:08.800 how many bodies would you rather have a woman have or debt? So if she has $100,000 worth of debt or 25 1.00
00:06:17.080 bodies, who are you picking? And I was trying to figure out how much debt is each body worth. But
00:06:22.720 you know, a lot of the guys picked the debt, but I don't know because they were younger guys. It was
00:06:27.820 funny. The younger guys, what they said was the debt. They're like, I'll take the debt. I'll take the
00:06:32.560 debt. But the older men, they're like, do you know what? I'm done working. I'll take the bodies,
00:06:37.620 whatever. So let me know your, like in the comments, if a girl was a hoe and had no debt, 1.00
00:06:46.060 or you had a girl who wasn't a hoe and she had $70,000 worth of debt and a bad spending habit, 1.00
00:06:55.100 who would you pick? Or I know this is, and then this is what you guys always do. Oh, I would pick
00:07:00.600 me either. Can you play my game? Can you play my game? There's two women left on the planet. Those 1.00
00:07:06.820 are your choices. This is my game. Just either play the game or don't comment. It's like,
00:07:12.880 this is what we are. She's got 68 K in total. I have, you know what? PayPal offered me a credit
00:07:20.640 card too. But I was like, do you know what? All these places offer me credit cards and it's what
00:07:26.020 I'll do is I'll forget about them. And I was like, I don't need this in my life. A hundred thousand,
00:07:30.780 three hundred and three hundred. Oh no, it's a hundred. I read the 68. Oh my gosh. That's
00:07:36.600 going to take her so long to pay off. $8.51 in debt. Now, last year I started off with a little
00:07:43.580 bit over 70,000 and that's okay. A lot of things happened and I do not include my house debt in
00:07:50.280 here because I am a homeowner. What do you mean you don't include the house debt? And anything
00:07:55.380 associated with that is not in here. So let's go ahead and break this down. For my credit cards,
00:08:02.940 I have a total of $32,298.22 in credit card debt. I have put on my business page, my goals
00:08:12.940 for the new year. And one of my goals is to pay off three credit cards. What I am doing is the
00:08:18.320 snowball method. So that means I am starting with the lowest balance. Women just never get to the point. 1.00
00:08:23.660 Okay. We got Navy Fed, $13,000. Bob's, 2,600. PayPal, 500. Merrick Bank, $2,082. Eight grand from
00:08:36.820 Josh Amex. Amex, 1,600. Barkley, 1,487. About a grand each. Discover, Citibank, Journey. I guess she paid
00:08:49.580 off for Venmo. I guess that's good. The car loan. 50. Why would you get a 52? There's not like a junker
00:08:56.080 off a Facebook marketplace. Oh my gosh. $100,000 worth of debt and no savings. Illiterate. Stupid.
00:09:04.800 I have to take ownership over that. I can no longer blame my parents for the faults that they have. 1.00
00:09:13.960 For reference, I am 42 years old this month. I have a college degree from University of Phoenix.
00:09:22.020 Oh no, not the University of Phoenix. Oh no.
00:09:25.780 It's dumb animal. 1.00
00:09:27.300 Which plays a big part in this. And I also have, I think my University of Phoenix degree 0.99
00:09:33.460 is in accounting. And then I have a bachelor's.
00:09:36.960 What do you mean you think? How do you not know what your degree is in?
00:09:42.020 Science major is accounting and a minor in finance.
00:09:45.540 Wait, how? Wait. So she has an accounting degree and has 100K of debt. Are they just printing off
00:09:53.000 these? Isn't that what accounting is for? So you don't get into a lot of debt?
00:09:56.760 As well from Western Carolina University. Go cats. If you know, you know. I have those two degrees.
00:10:04.620 Because I've been thankful and so grateful that I was able to pay off my car.
00:10:10.060 So I don't have a car note right now. But I do have credit cards.
00:10:14.220 So I'm going to tell you guys how much debt I'm in currently today. April 10th, 2024.
00:10:22.020 I am in the hole for $97,263.43.
00:10:28.200 And I'm going to break down where all of that comes from. We're going to go through this.
00:10:35.060 And I've been documenting my payment journey. But quite honestly, I haven't been able to pay much
00:10:41.440 on my credit cards. And I feel like I'm drowning. And I'm starting to fall back into that old like
00:10:47.340 kind of depression mindset. And it's kind of disheartening. Because I feel like I've worked
00:10:53.360 so hard to just say, it is what it is. You're doing all that you can, Rachel. And you need to
00:10:59.960 give yourself grace. Because also you are going through life for the first time. And you are
00:11:06.040 learning and growing every single day. I'm just trying to give myself that grace. But I'm starting
00:11:11.460 to feel myself slipping back into almost a depression state. Where I feel like I'm never going to get out
00:11:18.160 of this hole. And I don't know how to get out of this hole. And I'm doing all that I can. But it
00:11:24.020 just doesn't seem to be enough. And it's so disheartening. And I know that I've gotten myself
00:11:30.860 into this hole. And I need to figure out how to get out of this hole. But like, how is one person
00:11:37.160 supposed to do all of this on their own? I don't understand. I am just beside myself. I'm $83,576
00:11:48.520 in student loan debts. And I only have two bachelor's degrees. And one of them didn't even get me anywhere.
00:11:56.200 So when I became a young stay at home mom at the ripe old age of night, she left her husband.
00:12:03.740 I just know it. No man would allow that. No man would.
00:12:09.140 Teen. And my frontal lobe was not even fully. There you go. Men can go to war and die. And women 0.67
00:12:17.360 can't make a decision about marriage at 19. Developed. I had no business having children. I know.
00:12:23.640 But it is what it is. And I can't go back and change the past. And I love my kids to death.
00:12:28.220 The only thing I would change is picking a better partner and waiting longer to have kids.
00:12:34.020 I knew it. I knew it. I'm like, this is how it's gonna end.
00:12:37.340 Till the noggin was fully developed. But during that time, I felt the need to
00:12:43.420 still want to go to college because all of my peers were going to college and graduating and
00:12:48.780 and all of these things. And here I was just stay at home, like living in my pajamas, feeding a baby
00:12:54.920 throughout the night and throughout the day while my husband at the time, who's now my ex,
00:13:01.740 went to work every day. He was in the military. So very thankful that I had a very stable job.
00:13:08.120 And during that few years, I ended up having a second child. So I had two children, basically
00:13:15.580 under the age of five, because they're about two years and nine months apart. I was very busy.
00:13:22.800 And I needed something that would work with my schedule. And so I chose to go to University of
00:13:29.360 Phoenix. It was going to be great. My husband at the time was going to be deployed soon. And so I was
00:13:35.400 going to be basically a single mom. And I was gonna why do married women say that 1.00
00:13:41.480 single mother is supposed to be when the dad abandons you or the dad says I don't want to be 0.79
00:13:51.180 a dad to these children. It is not meant for married women. Oh, my God, I have to figure out 1.00
00:13:58.640 how I was going to want to go to school during that time. And all of the commercials from University
00:14:06.460 of Phoenix were coming up. And I just felt like I was being called to go there. I don't know if I
00:14:12.780 was actually tuned in to what God was telling me, because I don't think God would have told me to
00:14:18.320 waste my money. And it took me many, many years to figure out that I was wasting my money at
00:14:25.160 University of Phoenix. It wasn't until after I got divorced, I figured that out. But I knew it.
00:14:32.860 I knew. See, do you know what? They say women fare worse after divorce. And it's crazy because women 1.00
00:14:39.520 do fare worse, even with the child support. If you guys got an extra 500 bucks a month, you all would
00:14:46.100 be saving. I don't know what you guys would do with the money. But I promised you, you men find
00:14:52.080 something useful to do with it. Women just wasted on useless degrees and not all women, not all, 1.00
00:14:58.840 but a lot. You know, I did go to school online and I was a pioneer in that sense, because no one was 0.98
00:15:06.920 going to school online at those times. And maybe that should have been a red flag for me as well. But
00:15:12.100 I knew she was going to blame it on the prefrontal cortex. Do you know what, guys? Look,
00:15:19.000 I have made dumb decisions. I really have. And I promise to God, it wasn't because I was young. 0.98
00:15:24.620 It wasn't because my lobe wasn't developed just because I'm an idiot. Do you know what I mean? 1.00
00:15:28.920 Like sometimes in life you make a choice. And in hindsight, you realize that was the stupidest 1.00
00:15:34.480 choice you ever could have made. But blaming it on being young. I mean, you could say lack of 1.00
00:15:39.460 experience. Right. But anyways, let me just looked. I had always wanted to be in banking or accounting
00:15:45.680 to some degree. That was why I was getting the degree from University of Phoenix in accounting.
00:15:53.420 I always loved numbers. I've been a numbers girl. I don't think you have. I don't think you love no
00:16:01.720 because I'll tell you guys, I'm not good at math. I am not a numbers girl. But I don't know,
00:16:06.640 a hundred K. I think I could have realized that maybe if you look at the account in salary,
00:16:13.600 that that's a negative ROI. I ended up realizing that if I was ever going to better myself and better
00:16:20.660 the life that I was trying to provide for myself and for my kids and try to pull us out of this hole
00:16:26.980 financially, I was going to have to get another college degree. And so it was about that time.
00:16:33.320 I was about 28 years old. I decided to. Oh, no, she went back and so she realized she got scammed and
00:16:41.080 then went back for more. This college is like that toxic X that women will not leave all in Western 1.00
00:16:49.120 Carolina. And thankfully, they accepted two years of my credits from University of Phoenix and Axia
00:16:57.080 combined. And I was only having to go to Western Carolina for two years. And I was going to graduate
00:17:02.980 from a regular degular school with a regular degular diploma, a bachelor's degree with a major
00:17:12.260 in accounting and a minor in finance. I'm actually only a couple of classes shy of being a double
00:17:17.460 major. But my professor at the time said it wasn't that big of a deal. And I didn't need to waste my
00:17:23.160 time staying because he knew I was a single mom at that time. And he knew that I needed to get back
00:17:28.520 into the world and make money and live my life. He said, if you always everyone to come back or
00:17:34.360 figure that out later, you could but don't worry about it. A bachelor's in accounting is going to
00:17:40.120 get you something out in this world. Now she wants student loan forgiveness. All right, guys,
00:17:45.500 you know what, we got to send the asteroid. But yeah, this is what happens to women when they get 1.00
00:17:52.300 divorced. A lot of times they do get significant amount of money from child support and off of you
00:17:58.320 guys working hard. But you know what they do with it? They take it and they blow it on dumb things.
00:18:04.720 Anyways, guys, let me know what you think in the comments. Make sure you like the video on your way
00:18:08.360 out and subscribe to the channel. And I will talk to you guys next time. Bye bye.