Pearl - July 31, 2025


When Modern Women Have To Take Second Jobs

Topics
credit card debt
Mentioned
Doug MPA
Most Mothers Lie About their Child’s Father An Alpha Sues Tea App Harpies

Episode Stats


Length

12 minutes

Words per minute

176.11

Word count

2,212

Sentence count

166

Harmful content

Misogyny

7

sentences flagged

Toxicity

4

sentences flagged

Hate speech

7

sentences flagged


Summary

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

Today we re reacting to modern women explaining how their poor financial decisions have caused them to have to get a second job. Listen to this reaction series to find out why modern women get a part time job and how they manage to pay off their debts.

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 .
Topics generated with Qwen2.5-3B-Instruct.
Hosts, guests, and mentioned names generated with spaCy (en_core_web_sm), reconciled against Wikidata.
00:00:00.000 What up guys? Welcome to my reaction series. Today we're reacting to modern women explain 1.00
00:00:04.880 how her lifestyle made her get a second job. So many men, I can't say all men unfortunately,
00:00:13.260 so a lot of men are better at things than not all women, especially when it comes to money.
00:00:19.280 Now the reason society wants women to be single is because they spend so much money when they 1.00
00:00:24.440 don't have a man in their lives. So many single women make bad financial decisions that put them 1.00
00:00:29.260 in a position to have more money than their regular job pays. That's why they get a second
00:00:34.320 job. Let's look at the women who are going to tell us about their stupid decisions that they 1.00
00:00:39.480 put themselves in and they have to get a part-time job. All right. Oh my gosh. This is a 10 minute 1.00
00:00:45.800 video. This weekend. It's like women only. I bet this is a 10 minute video that could be summarized
00:00:51.480 in two minutes. I'm starting my part-time job. I had to get a part-time job because even though
00:00:58.720 I have an amazing full-time job with benefits, I only make about $75,000 and it is not enough
00:01:06.960 in this economy as a single woman that lives on her own, that has to pay really, really high rent 1.00
00:01:12.640 and is in a little bit of debt. Yeah. We don't want to get roommates. That's the problem. We can't,
00:01:18.520 again, as I've said in other reactions, we can't get along with anybody. So a lot of times you guys
00:01:23.580 might take it personally when we can't get along with you either. I wouldn't. It's just how, it's
00:01:28.360 like our wiring. And also has student loans. So it doesn't really leave that much for
00:01:35.480 anything really. And bills just keep coming in. So I decided credit card debt, Amazon boxes,
00:01:45.120 to suck it up and take the advice that my mom has been giving me for like the past year,
00:01:49.740 ever since I moved out on my own. She's like, get a part-time job, get a second job. And I'm like,
00:01:55.020 yeah, the mothers and the parents are like, we'll work harder. And the kids are like, nah,
00:01:58.420 we don't want to. Like, I love my soft life. I love not having to work that much. And even though
00:02:07.280 I do have my full-time job, I also work from home for the most part. And, and like, it's not too
00:02:14.400 stressful. And I just like, I'm able to like have a lot of downtime and I'm able to meal prep and I'm
00:02:21.220 able to go to the gym as much as I want and have my weekends pretty, pretty peaceful and relaxed and
00:02:30.620 everything like that. And I don't have any kids and I don't have a man. So I just have a very soft life
00:02:35.320 with a lot of free time and I'm spoiled and I don't have that great of a work ethic. Like I do
00:02:44.640 have my responsibilities to get my shit done, but like, I don't want to do too much, but I had to 0.98
00:02:53.040 suck it up because I did that for a year. It's been a year since I moved out on my own last, um, the year 0.96
00:03:00.220 before that I was living with a roommate. So bills were always split and it was a lot more
00:03:05.000 like easier to maintain that. Um, but then moving out on my own, I had to get a lot of new furniture
00:03:13.420 and just things kept piling up. So I racked up about like, I always stayed about like $10,000 in debt.
00:03:22.360 I can't imagine living like that. And, um, I was able to pay half of that off this year. I thought
00:03:31.340 I was going to pay everything off this year. Cause I thought I was going to get this bonus for my
00:03:35.020 company, the year end bonus, but they kind of did me dirty and the company didn't perform well. So
00:03:40.520 they didn't want to give me my bonus. So I only got like a thousand dollars and that did nothing.
00:03:45.980 I was expecting 4,000. Um, so I have, I have about, oh yeah. And then my mom, I should have
00:03:54.560 said my mom, but kind of my mom, but my family needed a new TV for their living room. And I put
00:04:01.260 it on my credit card thinking everyone was going to pay me back. Yeah. When you buy stuff for other
00:04:05.820 people, you guys, you guys, I always assume it's a gift. And if I get paid back, I'm happy.
00:04:11.300 I do not assume that people will pay me back because people are people and you have to look
00:04:16.920 at the incentives. Do you know what I mean? Like, uh, what are the incentives? You know what
00:04:21.900 I mean? And they didn't. So I also have that added to my debt. I basically, um, gave my family a
00:04:31.220 $1,700 TV as a gift. Oh my gosh. That's so not needed. And actually that should be their
00:04:41.160 Christmas gift. Like I should, I should show up to Christmas this year and be like, I got
00:04:45.640 you all a TV last year that I've been struggling to pay because I have my other responsibilities
00:04:53.400 and it's not even mine. Even though I do sometimes enjoy it on the weekend when I go to visit,
00:04:58.940 but I should, that should be their Christmas gift. But anyways, I have about $5,000 left in debt,
00:05:04.420 credit card debt. And then I have student loans and I can't even think about student loans right now.
00:05:09.000 I just want to get out of this other credit card debt, stick to my budget and,
00:05:15.740 and then I'll get to worrying about the other stuff. But my goal for this part-time job, um,
00:05:25.980 I don't know if I'll, if they'll even want to keep scheduling me like 15 hours on the weekends
00:05:32.660 after the holiday break. I hope that they do because I made a little budget because I have to
00:05:37.320 write everything down and I have everything in lists. So it'll take me about until February,
00:05:43.180 2025 to get rid of my $5,000 in debt. If I stay within my budget and I even gave myself every month
00:05:51.460 a little bit of extra cash to tie me over in case I need to do anything. Cause I want to go out,
00:05:57.060 socialize like activities, but hopefully I don't have to do too much of that because it's wintertime.
00:06:01.440 And I do actually get like a hermit in the wintertime, but hopefully by February, I I'm out
00:06:13.600 of this credit card debt. Okay. So she bought a two grand TV that they didn't need. God has always
00:06:19.460 had $10,000 worth of debt. Oh Lord. And then I also thought that with this part-time job,
00:06:26.920 I was going to be able to go to DR in January and take like a little family vacation. Nope.
00:06:33.880 Because my sister wants to do Greece next June for her birthday. And if I want to make Greece happen,
00:06:39.260 I can't make DR happen. I can't. DR is going to be like a thousand dollar trip and Greece is like
00:06:45.840 a 3,000. Okay. Why? If you're in debt, I don't understand why you're, why are you traveling?
00:06:53.860 Like, do you, are these trips you have to make? Then $4,000 trip. Maybe even more because that is
00:07:00.760 expensive. So can't go to DR in January. Oh good. Okay. She's at least skipping one.
00:07:09.420 As many of you know, who've been watching my channel, I have been on a health and wellness journey.
00:07:14.320 This journey has included many techniques like running a marathon, tracking calories,
00:07:18.760 and limiting my sugar intake. It's only recently that I realized how important sleep is for my
00:07:24.040 physical and mental health. When I chose media as a career path, I had no idea what type of toll
00:07:29.840 that being in media would take on my ability to get a good night's sleep. I used to always find
00:07:35.100 myself staying up at night and my mind on creative ideas for whatever type of content I wanted to make
00:07:40.480 for my audience next. Whenever I would interview women or have a debate with someone, I would stay 0.95
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00:08:42.200 anytime. But I'll get out of debt by February and then I'll be able to
00:08:47.340 save more money so I can contribute more money every month to my savings and my build up an emergency fund
00:08:56.460 because right now it's only $200 and I want to get it to like $5,000. It should technically be like
00:09:02.200 $9,000. That's like a real three to six months kind of like safety net in case anything happens.
00:09:11.060 But I think $5,000 is the good goal. And then I also want to contribute more to my Roth IRA.
00:09:20.540 I wasn't able to contribute any this year because again, I was trying to catch up with my $10,000 of
00:09:25.300 debt. So I didn't have much left over. And also in the wintertime, my electricity bill is so expensive.
00:09:31.140 It gets up to like $400 every month for like three, four months, which is insane.
00:09:39.980 And yeah, I'll be able to contribute more to my savings on my Roth IRA and just be able to like
00:09:48.100 enjoy life a little bit more. Like if I want to buy some new clothes.
00:09:51.980 Okay. I like how it's always women, like we never, 1.00
00:09:55.100 we always end up making the same decisions that got us into that position.
00:10:02.020 If I want to go thrifting, if I want to just be able to like
00:10:07.520 get more debt again, I want to be able to run it up.
00:10:10.440 I don't afford my groceries. Like groceries for me is about 230, 220 every two weeks.
00:10:18.600 And I usually can only, I only have like about 200, maybe 180 every two weeks. So then I put
00:10:26.760 the rest in credit cards. And again, it keeps stacking up. Cause I'll never say no to groceries
00:10:31.580 because I cook everything myself and I do everything like all my meals at home. So
00:10:35.580 the groceries, even if it's not like, if it goes over my budget, I do put that in my
00:10:40.620 credit cards because I feel like that's just like an inner rule that I have. I'm not going to say no
00:10:46.620 to groceries. I'm not going to say no to my healthy food and what I want to enjoy and cook for the
00:10:53.840 next, for those next two weeks. Like I just, it's hard for me to put things back. Sometimes I do,
00:10:58.900 but it's hard for me. So I want to have a budget that allows me to spend $230 every two weeks for
00:11:06.240 groceries and, you know, household essentials. So yeah, that is, that is the goal just to be able
00:11:18.240 to not have any credit card debt, pay my student loans a little bit more. Oh my God. She's got
00:11:24.900 student loan debt too. I feel so bad for guys. They'll make such good decisions and just have
00:11:30.220 to pay for us. They'll have to pay for a decade of partying from us. Be able to afford my groceries
00:11:36.560 and just contribute more to my savings and my investments. And then just like, you know,
00:11:45.420 be able to breathe a little bit more easily and be able to have enough funds to go on trips. So
00:11:51.460 after I, you know, Oh my God, it's never go down in lifestyle. It's always get out of my bad
00:11:57.940 decision so I could save and make the same bad decision. Be able to like set that up for myself
00:12:04.340 and not have credit card debt anymore. Then that money from my part-time job will be able to afford
00:12:10.820 trips. All right. I'm done with this. I can't do this anymore. Oh my gosh. Doug MPA. Why do you keep
00:12:17.820 giving me these? Doug MPA. Why? All right, guys. Let me know what you think in the comments. What
00:12:24.900 bad decisions do you see women make that put them in a ton of debt? Make sure you like the video on 0.76
00:12:29.560 your way out and subscribe to the channel. Bring that notification bell. I'll see you next time. Bye.