Pearl - July 31, 2025


When Modern Women Have To Take Second Jobs


Episode Stats


Length

12 minutes

Words per minute

176.1053

Word count

2,212

Sentence count

156

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 .
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
00:07:45.060 up until the late hours of the night and just be sleep deprived the next day. That was until I found
00:07:50.300 Dream. Dream is an all-in-one blend that has helped me down the path of getting a better night's sleep.
00:07:55.620 Dream contains the natural ingredients, reishi, magnesium, L-theanine, melatonin, and apigenin.
00:08:01.700 Alone, each of these are powerful, but they make a groundbreaking nighttime blend that eases your body to rest and
00:08:08.700 supports it through all stages of sleep. With Dream, you can fall asleep faster, stay asleep longer, and wake up refreshed.
00:08:16.000 Dream is gluten-free, has no added sugar, is keto-friendly, totally vegan, and dairy-free. It's sweetened with
00:08:22.620 monk fruit. All of this makes it the perfect addition to your nighttime routine. Dream is the natural sleep
00:08:29.200 beverage that has improved over 18 million nights of sleep. Use the link in the code to save 35% off on
00:08:36.080 your first month and 25% every month after. There's free shipping and the option to pause or cancel
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.