▲ 1 r/Debt

No way are debt management places not legally required to report tax evasion?

Someone thats a lawyer or something please tell me this is inaccurate I will update.

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u/Alternative_Web4112 — 14 days ago

Incredibly concerning things on this show why the fuck is it allowed?(legally)

This isn’t a documentary, do we think there’s a legal obligation to report:

1 Adults flirting with minors
2 Pregnant woman on drugs
3 Tax evasion

You don’t get to use this bs for clout and expect the average everyday person to be happy about it. Maybe bring on people that give at least a little bit of a fuck. They aren’t the only people I will judge. But also your fat ass for doing nothing. AND MAKING MONEY ON TOP OF IT.

Over exaggeration of these things is not only slander in my mind but also a POS thing to do for people that had to deal with people like this in real life.

What do we think? Should this be allowed to just be televised for the sake of views with no legal obligation to report it?

Once again this joke of a channel is barely even an audit. And not some documentary on peds or drugs addicts which btw in most other documentaries anyway are either already behind bars or are designed to understand many poverty struck areas.

Where should we draw the line? Should it really be legally ok to over dramatize these events?

I strongly believe actionable consequences need to be legally required an online roast I don’t really find that helpful. Over dramatizing these things should be incredibly frowned upon contract or not.

I know there are plenty of people in certain occupations that would be legally required to do so. Should the same go for someone who tries to make money off it? Not even talking the average person.

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u/Alternative_Web4112 — 14 days ago

CH in the beginning was way better and why I completely despise him now

I went to a pretty hardcore high school with high expectations. Many took college classes and we were one of the top in the nation for band.

There was an incredibly kind peer I had that was obtaining a medical degree. He worked in the industry while trying to obtain it. I don’t know for sure but mostly likely he had debt like most people do.

He killed himself.

I thought in the BEGINNING this channel would become what my peers desperately needed. ESPECIALLY when debts are capped now so it’s highly unlikely to become a doctor as far as I know unless you’re from a certain class. Not to mention at least where Im at standards are high and you have to get at least Bs to really pass.

Yeah some degrees are dumb but why talk about it all the damn time. I strongly believe it’s partly our own society’s fault for allowing this to begin with. Maybe it’s time to stop pointing fingers at the people easiest to criticize and reflect.

Look at the three that point back.

Money is good to put a roof over your head but once it’s starts killing babies(once again another real story in my own life) then maybe it’s going too far. It’s not everything and it not really what we should solely judge people on especially in a society that will likely continue to refuse to create true financial literacy.

Intentionally finding the worst people now is horrible and honestly the worst timing ever. I’d rather give the small cents to watch a video for someone I knew that gave a fuck than give clout to pedo rapists wanna bes or a dumb fat man that wants to tell women in corsets to see a doctor cause he’s never watched a single medieval documentary or movie.

Once again and in all seriousness his therapist is the only person I want to see on there. I have a lot of questions.

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u/Alternative_Web4112 — 20 days ago

Most durable clothe

Anything Im as basic as it gets what have we been using that doesn’t get a freaking hole in it two months later? I hate buying things lol and when I do I just buy the same thing but things rotate. What materials work best?

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u/Alternative_Web4112 — 21 days ago

Making coffee in your car/ break set up

Yall have any good set up for this thats not just instant coffee? I don’t really like to buy at drive throughs. I found some ok things to use. I hate black coffee but maybe I can find a way to get used to it.

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u/Alternative_Web4112 — 21 days ago

Still glad to have found Ramit

I just want to point out that I am extremely disappointed YouTube never showed this to me. To the point where I had to search on here to find someone that treats people like humans and actually takes the debt crisis seriously.

Sometimes people like to be yelled at cause it’s all they know. But I strongly believe that it’s extremely unhealthy.

Down below is a link of Ramit trying to help a couple work together. At about 38:22 he explains why he refuses to yell at people. Considering most people know why you shouldn’t yell at or bully other people Im not citing studies. If we cant google search ourselves thats on you.

https://www.youtube.com/watch?v=wWsAqDQW8iA

u/Alternative_Web4112 — 1 month ago

Why he gets labeled as conservative.

Let me start off by saying we need to stop making these labels and identities our gods. I strongly want single transferable votes so we actually have at least slightly more freedom of choice. Im so fucking god damn tired of this red blue red blue bullshit. What about green? What about another party? What about making sure that these parties can only be funded by the people themselves and not lobbyist. Do we really even have freedom of choice if what happens to us depends somewhat solely on who has the most money at the time? No one’s even remotely in the middle if you just stir the pot.

He gets only on people that don’t have money. However, while I know not everyone agrees I think overconsumption is bad for the environment money or not. Stuff like this shouldn’t just be about debt it should really be more focused on lifestyle changes and mental health issues that cause this impulsiveness. Money isnt always the main issue here we still feel entitled to it regardless of the cost.

And once again where’s my study? Having better help ads before and then telling people to off themselves as a joke? Are you fucking kidding me? The only person I want to see on that show right now is his therapist.

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u/Alternative_Web4112 — 1 month ago

Honestly think I could do it better and why I feel like someone has to

Y’all I think this guy just makes the younger generations look even worse. At least Dave’s not a complete dick to his call ins. Yes call people out Im for that but being superficial? Thats ugly. Not to mention other than food he’s not really good at getting people to truly understand in the long run why overconsumption is bad overall. It’s kind of hypocritical too when it’s ok to do as long as you have the money. But honestly is it? I understand having things to stay comfortable and be happy. However, not a lot of these places they buy from are ethical and many have little transparency. Not to sit on a high horse, but maybe showing people a little more self awareness might help.

Other than just don’t do it cause you’re in debt and you’ll be less stressed. (And probably plenty of super unethical choice words) Not everyone will be motivated by that. Many choose these as a potentially bad outlet of relieving stress.

Im not religious at all, but there is something to be said about its culture that could be helpful when it comes to stopping peoples spending.

I also don’t agree with platforming the worst of the worst just for clout. What are we telling society when we enable this? If you’re an ungodly terrible person you deserve help, but the kid that just made a bad car choice? Is no one at all worried that this in itself could be enabling? People might start acting a massive mess in real life. Why? Cause they literally get awarded for it.

I’ve said before and I’ll say it again came here hoping for a good impact. Left even more disappointed in my own generation than I already was.

For many people this will have to be a change of lifestyle not just for the here and now. That’s what got a lot of people in trouble to begin with. Some have even been through more than. Which is why I think it’s even more important.

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u/Alternative_Web4112 — 1 month ago

16 percent of suicides in the US occur in response to a financial problem?

I’ve had peers off themselves worried that since one was a med student maybe this was a factor. Couldn’t find the reference really in this article. The conclusion says theres not much research on suicide and financial standing. Anyone else find anything? Idk just really not see how this show helps anyone but the audience feel better about themselves. I know it’s designed to bring the worst people on but it rubbed the wrong way a ton lately. Sometimes we are the problem even when we don’t want to admit it.

I will say once again kind of hard to collect when the person is dead.

Watch things mindfully

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u/Alternative_Web4112 — 1 month ago

Honestly hell no you do better help ads then post up this bs

Let me reiterate once again why I hate this man:

  1. Some of my peers(more than one person offed themselves) and they were in similar situations to these people.
  2. Ain’t no way in hell better help sponsored you and then you become the shit show it is now
  3. DONT YOU EVER FUCKING MISDIRECT PEOPLE LIKE

4 Just because someone says it’s ok to roast THEM that still NEVER makes it ok to bully their own kids. Quite a bit of kids already feel like a burden despite financial situations.

THAT AGAIN

  1. DO YOU UNDERSTAND? AM I CLEAR?

I don’t hate watch. You will never see a single cent of my money. No way in hell you had predatory courses and the public had to call you out on it before an apology. How the hell were you even allowed to do this? Whichever therapist you had better tell the public to our face that what you’re doing and saying to people is completely and utterly a good thing.

If you didn’t what so much hate don’t bite off more than you can chew. If you ask others to reflect in every single video then so can you. Don’t think that’s a big ask.

It’s one thing when it’s just a show it’s a completely differently thing when you go full hypocrite and make promises(and get sponsorship that I strongly believe are misguided) you can’t keep.

How many old fans agree and are checked out?

Better help is its own rabbit hole but that’s a different story.

I know newer viewers probably won’t understand this but the original channel I believe was a whole different story. I think a lot of people were completely misled.

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u/Alternative_Web4112 — 1 month ago

It’s smash or pass it’s not even finance

I bet in two years the banks will do a better job than he will. Consent or not better not be a nonprofit.

My advice: find a bank that budgets for you there’s plenty around now. Plenty of nonprofits that aren’t predatory either. I would ask your credit unions about it. I use to refer people to these places. Keep in mind he pisses me off enough that Im saying this without getting anything from it. I don’t work in the finance industry anymore.

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u/Alternative_Web4112 — 2 months ago

“I have enough money to retire”

But let’s still shit on poor people and not just that let’s go even FARTHER. Let’s shit on frugal people and throw up their onlyfans on my channel. What a fake bought and sold ass. I honestly would be less judgmental if he was never in debt to begin with. But then again I never was and I wouldn’t treat others like this in my own life. A lot of us have problems not just people in debt.

And honestly bruh fake ass click baiting videos DOES NOT MAKE YOU ON THE FENCE AND IT NEVER WILL. IF YOU DO CLICK BAIT THEN YES YOU DO HAVE AN AGENDA TO PISS PEOPLE OFF INSTEAD OF KEEPING THEM OPEN MINDED. IT INCREASES OUR DIVIDE. Actual researchers that know how to be professional will NEVER do that but yeah go ahead and flex that dirty judgmental money and flex how much land you own while making people with mental health issues cry on the internet. YoUr So CoOl.

The person you be bring on their is your therapist I’d love to see if they agree that everything you’ve done is the “push” these people needed.

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u/Alternative_Web4112 — 2 months ago

I have asked YouTube FIVE TIMES to stop showing me his content

Is anyone else having this problem? I can’t get better finance channels unless I search it myself. Screw this algorithm seriously feel like on back on the dumb Shapiro ads if you guys know what Im talking about.

Update: clearing it worked I guess never ask YouTube to remove from your page cause that’s completely useless

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u/Alternative_Web4112 — 2 months ago

Ok for all my girls out what the fuck would do if this man had a thumbnail of HALF YOUR TITS OUT even though you dressed conservatively?

Not gonna lie this shit honestly pissed me off so much. Can the goth girl on the video please confirm that this was ok? Im losing my shit right now. There’s more than just a few people on this show saying that he edited thumbnails themselves were not approved. Just because you got a lot people doing onlyfans on your show doesn’t mean everyone wants that for themselves it’s giving MEGA ICCCK wish I caught before. Honestly thats so uncomfortable I hope this channel doesn’t just assume that’s an ok thing to do.

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u/Alternative_Web4112 — 2 months ago

A Few Serious Questions

I used to like the channel, but lately it got too over the top and Im honestly just over it. I stopped watching it because I honestly decided I needed to do some serious self reflection and I’m trying to get out of the trap of watching things where I can look down on people to feel better about myself. Keep in mind I do this as someone who has zero debt other than a mortgage. I think this is a negative psychological aspect of our society that social media loves to cash grab on.

There’s a few times where he’s justified bullying who he brings on because he says his therapist thinks it’s good for people. (Not a quote that I can remember more like a summary or generalization) I don’t know about y’all but dr phill aged like sour milk after WinGate and all the other places turned out to be horrible. I don’t really feel like going back and looking for a whole gotcha moment and I understand calling people out. However, they know and understand that some of the people they have on have mental health issues. What happens if decides they can’t take it and something bad happens to them? I might just be extra sensitive to this because I know more than one person that decided to end it. And sure these aren’t exactly upstanding people but the ones in my life were.

I strongly believe that either people decide to change or they don’t. There’s no amount of bullying that truly has that kind of cause and effect. It might get people to go through the motions maybe but not necessarily believe it.

Not everyone can take things because they say they can. Debt doesnt really matter when you’re dead.

I would still like to hope Im wrong but I’ve seen some pretty messed up shit in my own that has me questioning this.

What do y’all think? Once again not really looking for a gotcha just looking at some patterns of this channel and how I’ve been viewing the world as I get older. Better than a lot of other debt management places probably but possibly bad in other ways. I’d really like a true study of how many of these people actually got out of it. Especially in the beginning vs now.

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u/Alternative_Web4112 — 2 months ago

Justin Alyaian

Ok this guy is in a family court case rn. Did a lot of shady things during the trail. Has public record of a drug charge BEFORE becoming a consular in wilderness therapy. The coward won’t say the name of the program but he better hope no one’s tax dollars went to it. Under oath he said he worked at one in southern Utah. I want a licensing complaint for whoever hired him cause who knows what else these guys had on them since we clearly don’t look at or care for background checks. If my timeline is correct it would’ve been around 2016 or 2017. Im beyond pissed because in 2016 six participants in one of these programs got sent to the hospital for my own sanity that jackass better not have been involved. Spending nearly 500 to 400 dollars a day for people that are with your kids miles from any town WITHOUT A PROPER BACKGROUND CHECK. Disgusting daycares cost less .

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u/Alternative_Web4112 — 2 months ago