Pearl - Modern Women Are Going BROKE By FAKING Their Lifestyles

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

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.

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.

00:00:36.120 Appealing to women is one of the most lucrative things a company can do. That is why women have

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

00:00:52.480 end up in so much debt. Of course, like most other issues in their lives, there are women that are

00:00:57.820 sharing their debt on social media. So let's take a look at some of these women's debt

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

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

00:04:24.000 excited to have the Wing Girl Method as the sponsor of today's video. Now you may be thinking, Pearl,

00:04:29.380 how can a woman help me in the dating market? Having a woman in your corner to show you how to

00:04:33.680 flirt is a great way to achieve dating success for men in the modern dating market. That's where Marnie

00:04:38.880 from the Wing Girl Method comes in. She has helped thousands of men transform their dating lives

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00:04:51.520 worldwide, this proven system helps you attract the women that you want and build your confidence.

00:04:57.760 Do women have unrealistic dating standards? Yes. Do women think that they are boss babes and that they

00:05:04.040 don't need a man? Yeah. But the step-by-step formula of the Wing Girl Method shows you exactly how to make

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00:05:21.460 Applying this method will get you results almost immediately because the Wing Girl Method is

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00:05:37.780 if you decide to pick up the full program, you'll get an extra 20% off. Modern women have changed the

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00:05:47.960 landscape. Let Marnie and the Wing Girl Method help you take control of your dating life. Get the link

00:05:53.720 in the description and get access right away. Click the link in the description. Wow. Okay. She's got

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

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,

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,

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

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.

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.

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.

00:09:27.300 Which plays a big part in this. And I also have, I think my University of Phoenix degree

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

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

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

00:13:51.180 a dad to these children. It is not meant for married women. Oh, my God, I have to figure out

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

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,

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

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.

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?

00:15:28.920 Like sometimes in life you make a choice. And in hindsight, you realize that was the stupidest

00:15:34.480 choice you ever could have made. But blaming it on being young. I mean, you could say lack of

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

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

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.

Pearl - April 08, 2025

Modern Women Are Going BROKE By FAKING Their Lifestyles

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