Atrioc has somehow become the only ytber I watch every video for. I can't remember how I even found him, ive never even watched a stream I just liked the yt vids.

@youtubersingingmoments4402

22 күн бұрын

I'm in the same boat except I was able to pinpoint that it was the $1,000 Hitman challenge thanks to the algorithm recommendation gods.

@pradyumn444

22 күн бұрын

same

@mylotic9709

22 күн бұрын

Same

@Alex-Klem

22 күн бұрын

Same I even bought a hat lmao I’ve never bought KZreadr merch before

@Mr.Bendoverr

22 күн бұрын

Same

If I die at 60, then I don’t need to save for retirement

@Ka_chi1

21 күн бұрын

Smart

@misbegotten3508

21 күн бұрын

Your icon really fits.

@kaseyquickshot532

21 күн бұрын

I wonder how many generations it would take for people to forget retirement was ever an option for anyone besides CEOs

@TheGrimStride

20 күн бұрын

@@kaseyquickshot532 if they stop now, Gen Alpha or the one after them will probably forget

@MyNamesHunter75

19 күн бұрын

@@kaseyquickshot532 Realistiically i think most of the next generations will end up being self employed in some way or at the very least working from home. I feel like there will be far less health car workers and all that due to the fact a lot of these kids are being raised on the internet and youtube so will probably go that route. Plus people seem to encourage just going into it full force without anything to protect you like a day job or savings

6:00 no sarcasm alert for gambling? bet, time to afterpay my parlay

@svenbendor653

21 күн бұрын

But only if its a lock

who tf out here convincing their friends that 5k is enough to start a goddamn food truck? i have a buddy who sank 80k into one in nyc, does really well for himself, but 2 years later he's maybe 10-20% of the way through paying off the loan. low margin business with extremely high startup costs. i get wanting to give your buddy a shot, but if homeboy's coming at me like "yea bro i just walked out the bank they're rubber stamping 75k i just need 5k from you to make this happen" i'm gonna need to see some receipts.

@sanhakim1335

21 күн бұрын

It could've been a situation where he needed 15k for a down payment, but only had 10k or some shit

@brandonlower65

21 күн бұрын

@@sanhakim1335 down payment on what? getting a truck is a chunk of startup costs but nobody is leasing out a fully functional and stocked food truck

@misbegotten3508

21 күн бұрын

@@sanhakim1335 That's not how loans from banks work, friend.

@Zardif

17 күн бұрын

@@brandonlower65 They actually are. Minus the food, renting out a food truck is absolutely a thing. Locally it's $1500 a month and there are a few I've seen with the rental billboard on top of the truck.

@brandonlower65

17 күн бұрын

@@Zardif Minus food, minus fuel, minus city permits, minus the inspection and licensing fees, in many cases with no/minimal equipment provided, often also with no generator provided. you can't just rent a food truck and call it a day.

Sometimes I feel poor because I only make like 2k a month and barely have a savings but then I watch these and I see people casually chilling in 5k of debt, giant car payments, expensive rent, using buy now lay later for cheap stuff, and a having enough subscriptions to need rocket money. Then I remember I only owe money on my car, I'm steadily paying that off, I only have a single subscription, and I don't use a credit card or any sort of pay later and I feel *SIGNIFICANTLY* better. Glad I'm not one of these mfs. Living I'm my parents basement was the correct choice. At least for now. Damn might take me 10 more years to buy a house but at least I won't have 50 years of debt after I do it.

A lot of families are already so deep in debt that it feels like you are never going to pay it off so taking more on may feel like a drop in the bucket.

@NorthernWhisper

22 күн бұрын

aaaaaaaand that's how they got so deep into debt in the first place.

@novy3068

22 күн бұрын

​@NorthernWhisper well I mean sure but we could start with holding the government accountable for letting living costs get so out of hand. People don't just spontaneously take on crippling debt for fun, it's a trend because it's necessary for many to make ends meet. It's a failure of the system first and foremost

@primary2630

21 күн бұрын

It's probably that terrible mentality that keeps them in debt.

@Rissen_

19 күн бұрын

​​@@novy3068both sides of the coin needs to step up, alot of the issues are hyperconsumerism where we feel we're living below our means and must spend more to feel like were equal to others around us, trouble is "around us" is adverts built to create the feeling of missing out, social media thats full of lavish wealth flexing no matter what tax bracket youre in and then finally real life people who buy clothes or fake designer or a car to loan that's out of there budget etc etc. Also theres the trap of rough times making you feel like you deserve to spend a little on yourself that ultimately makes you poorer and in even rougher times, like a bottle of wine or weed or even cans of soda instead of water, a takeaway meal etc. Spending habits are rampant and theres little to no diy thrifty culture like there used to be and companies definitely are acting upon this and definitely isnt helping by making it harder to repair a product you bought.

When you get added to the Japan groupchat 😔

@K..C

21 күн бұрын

You got one too?😂

@glswenson

3 күн бұрын

Once you get there it's pretty cheap tho

As someone who works at a Midwest home improvement superstore, the economy is worse than most think. We are in our busiest season of the year and we aren't making enough. We have everyone's hours getting cut and departments are still not hitting targets. It is bad, and it's probably going to get worse.

This video could have been concluded in about 5 seconds. A large banner runs across the screen reading, "they don't".

@Crazy_Broke_Asian

22 күн бұрын

They do, they put it all on a credit card

@fluffy_raccoon7007

21 күн бұрын

You mean "they can't"*

@primary2630

21 күн бұрын

​@Crazy_Broke_Asian that to me is crazy lol. I do everything I can to avoid debt and in this case I prefer to stay at home ok my vacation days and save mone6

@MyNamesHunter75

19 күн бұрын

@@primary2630 most people or at least used to but with cost of everything so expensive most young adults have debt even if they aren't going to school. So people are trading financial security for temporary pleasures instead of just saving for these things or prioritizing food and rent. We basically are raising an entire generation to just be mindless consumers by giving them Ipads and phones early on and exposed to the internet so young. It's pretty messed only reason gen z's isn't higher for takin on debt is most likely because a large portion of gen Z still aren't out of highschool once they are that number will probably rise and Gen Alpha I genuinely think will go after solo style careers like content creation over traditional jobs which will kinda leave a gap in things like health care more than there already is. Unless something major happens I think as a society we are fucked

That PSA lowkey helped convince me against an HHA loan… Preciate it Big A

To add, there's just a large amount of ambivalence towards the future, and many people feel like these are the last few years of relative normalcy we will experience, hence vacation debt

This is the first time I’ve seen him wear a white hat

@Sterl500

22 күн бұрын

I think he just washed his old one. ;)

@Fripplingakarhano

22 күн бұрын

​@@Sterl500 maybe ur joking, but it's actually part of his new merch line

@talyahr3302

22 күн бұрын

It's actually a limited edition version of his merch. He's only selling a few white versions, so it makes sense he would keep one.

@aoe4_kachow

22 күн бұрын

He should wear a green hat

@dcp0102

22 күн бұрын

This is a huge moment in the atriocverse

I’ve not been able to afford to go on a holiday for five years due to personal financial issues, only just built my safety net and while I would absolutely love to go away for a week or two with my partner. Shits hard, saving money when everything costs more and the idea of getting into debt when I’ve held off upgrading my computer and buying objects that I really want but it’s not been responsible to do so honestly crushes me more than not going on a holiday.

this makes so much sense now. ive been wondering how i see so many of my friends go on vacations

@account-yi2cn

22 күн бұрын

You could just asked them

@vegetatarian

21 күн бұрын

@@account-yi2cn true. I just don't like to pry into their financial situations.

Lmao my family is doing this next week. What's 1k more to 300k debt.

@legends86yt

22 күн бұрын

I hope you guys can get out of it, enjoy your vacation though!

@Ka_chi1

21 күн бұрын

300k!!

@CountingStars333

21 күн бұрын

You gotta rack those numbers up

@mattbehindthewheel6901

21 күн бұрын

​@@Ka_chi1 mortgage probably

The home argument she made is kinda apples and oranges. You LIVE in a house. Sure, its value could go down, but at least you have a place to stay. A vacation is a short one-time event.

@bbking006

21 күн бұрын

If you take out a mortgage that is well beyond your means, then you can end up both broke and homeless, no?

I'm 23, I dont have a credit card because money stresses me out so much. I hate the idea of debt, which is part of why I don't want to go back to school. I've failed too much in the past, and I haven't had enough time to get a good win. That said, my grandparents have a random plot of land near a Michigan golf and ski resort. Id like to ask them for that plot and work my way from there.

@sin-jay733

21 күн бұрын

Good luck man

@dhoggors2176

20 күн бұрын

Credit cards aren't inherently bad. They're very useful and can unlock a bunch of benefits if you're responsible with paying them on-time. Think of it like fire. Not inherently evil but useful under control, dangerous if left unchecked.

@MyNamesHunter75

19 күн бұрын

As someone who is from a poor family i understand the sentiment but credit cards are crazy important just throw some subscriptions on it and pay it off and just don't go over 50% of your total credit card balance. Hell you can even lock it in a safe and do a random number generator if you are concerned with using it outside of some subscriptions. Especially in North America credit is super important for things like loans and buying cars and houses because it's basically your adult report card showing that you will likely pay them back. Building credit as early as you can is also super important

2:06 This is how different (and debt-averse) I am as a consumer. Up to this point I was asking myself *how* people were going into debt for these things, I assumed maybe a personal loan 🤦‍♀️

Heading to Japan in October for 14 days. I got a credit card for points yet saved money for the whole trip to pay it off instantly. Vacations in the United States right now is ridiculous.

These videos always come out at the perfect time, get to watch em the last 30 minutes of my shift in the break room

@talyahr3302

22 күн бұрын

Nice little reward for your hard work

As an Italian leprechaun I finally felt heard on the Big A channel

the world is going to shit, and people want to go on a vacation....to get away from it all... its not necessarily a monetary thing. It's a sense of getting the fuck out of the daily grind.

When I was a kid my dad always said big vacations were for rich people. Nowadays people act like they’re a god-given right.

$2000 USD per week is insane for travel. Like wtf, ive travelled all over the globe and ive never spent that much, maybe in Switzerland it was that, but still

@FlanPoirot

22 күн бұрын

2000 dollars is more than most of the world's monthly salary, anyone that spends that money on a single week either is too rich or too financially irresponsible

@stt.9433

22 күн бұрын

Travelling from the US to Europe is like 1500 dollars for one two way trip. So yeah I'm suprized. Hotels will be 100 dollars per night and activites could be another 100 + food another 100 because they're not eating cheap fast food but nice restaurants. So that's 300 dollars per day times 7 is 2100 dollars. 2000 bucks for a week of nice dense vacation sounds about right.

@Sopsy_Hallow

21 күн бұрын

@@FlanPoirot you got several problems with that statement. first of all, more than "most of the worlds salary" means nothing seeing as salaray is often proportional to regional pricing, a "rich" country or neighbourhood might make considerably more on average without being actually rich, since everything there costs way more (additionally a good chunk of people in the world have insanely low salaries, literal cents, those skew the numbers id imagine, not that i think you had any source to begin with) another major point is that, it doesnt matter what your monthly salary is since this isnt a monthly or weekly expense. a 2k vacation could be a once in a multi-year or even lifetime thing. would you be irresponsable for doing one expensive trip? dont think so also already mentioned it but yeah you def dont have a source for your claim. 2k is like, min montly wage in central europe. im sure there are plenty of places who earn "less" (all is very relative) but i still dont think your assesment is accurate

@hastyscorpion

20 күн бұрын

Depends on where you are going and what you are doing, the travel can be expensive. If your flight is $500 and your lodging is $500 you are already half way there. If you also need a car while you are there that is another $500

Atrioc letting his inner rich man slip there at the beginning a second.

@hastyscorpion

20 күн бұрын

Where?

Instructions unclear, got a 40 year mortgage at 9%

Japan even with currency devaluation is still expensive compared to some other options

@Jadfisk

20 күн бұрын

Getting there is expensive (I’m from Europe), the rest is alright. It’s really expensive mostly due to wanting to be there for more than two weeks

@MyNamesHunter75

19 күн бұрын

Like the other dude said it's mainly just getting there. I'm from Canada and one of my friends went to japan for studies and she would eat at a conveyor belt sushi place for $5.55 that's insanely cheap especially coming from Canada and she could actually get enough to feel stuffed hotels are also cheap, passes for trains and public transport are great especially because japan is built around good public transport where in Canada you'd be giving up an arm and a leg for most of that

I think most Americans don’t care that much about debt anymore, everyone has it and the average credit score goes down every year. When my parents were younger they said that being in debt wasn’t very common except for people who bought a house or had emergencies

blah blah glizzy blah glizzy glizzy blah blah

Pay in 4 (decades)

Great financial advice seriously

The average vacation, gaming 😂

I'm on vacation right now and have zero debt.

"Leprechaun thing" Do you mean Irish, Big A 😂

They're not paying...

Hello business world

2:05 is literally my favorite part of this video

Being alive is a gamble. I'm about to start stealing dice. /S(maybe)

my mom is opening up credit to go on a trip... I told her to just wait a year to get her finances together and she's just gun hoe on going this year

debter's prison pls

What are the recession indicators he mentions at the beginning? Isn't unemployment and whatnot really good looking in the statistics?

Credit card debt? Caleb Hammer kicks down the wall to solve it.

Staying out of debt at all costs dude. Ain't no way.

I didn't need to click because the thumbnail explained it all. 😂

If you can't afford something, you also can't afford to put it on your credit card

I don’t drink I don’t party I don’t buy a ton of video games, I spend only $1000 on gacha a year and the bulk of my spending is gas and food. I save and save. I balled out in Japan. I had to ship my souvenirs home and it didn’t even dent my budget. I upgraded my seats back to America off of how much I budgeted and I still didn’t break budget.

I'm literally on Vacation right now 😂

The editor is so unbelievably based for using Mario strikers charged pause music

My job gives a sabbatical (one continuous month of paid vacation) after working there for 5 years. Since I started that job, I have been putting a small amount aside to pay for a vacation. In a couple of months, I will be going - and will not incur any debt. Then, I start the cycle all over again. The good thing is, if I am setting money aside, and I lose my job, or some life event comes, I will have some money. For me, it is easier setting money aside for a long vacation in 5 years, than for planning on the unknown.

@froggo4363

22 күн бұрын

what area are you in?

@FlanPoirot

22 күн бұрын

only 1 month every 5 years? u don't have annual vacations required by law?

@jamievarbondg

22 күн бұрын

​@@FlanPoiroti would guess the 1 month is an extra incentive for less turnover

@lawnjart16

21 күн бұрын

@@FlanPoirot sorry. Worded poorly. I get time off every year, but every 5 years they give a "sabbatical" where you take off for a whole month paid.

@MrShinjiTabris

21 күн бұрын

@@FlanPoirot America does not have annual vacations by law, but most companies do give Paid Time Off, but they do not have to and its usually not much

Question on the data. We went out of country recently and used the credit card everywhere for the exchange rate. We're going to pay it off at the end of the month. Does the balance count towards these figures?

4:27, spoken too soon 😢😢😢

vacation? in america? nahhhhh

Vacation with Debt❌ Gambling with Debt✅

Me going to save money on a vacation by staying home and not going on vacatiom

I followed the streamer financial advice, got a jet ski and paid for trip to Vegas on the credit card.

planning on going to japan next month with about a few grand in trip money.. who knows how cheap it'll really feel lol

Don’t know why big A was clowning on the advisor at the end. Obviously he’s just saying there’s a balance that should be striked between vacationing too often and always staying at home when you get time off.

@primarybufferpanel9939

22 күн бұрын

My question is, is it so bad to not go on holiday?

If you don't have anything they can take from you in bankruptcy why worry

Comment from the Netherlands. I find astonishing that so many individuals in US have such irresponsible with their money and borrowed money. They may avoid their problem now, but it will hit them later when they grow older eventually.

@novy3068

22 күн бұрын

Yeah the US is stupid expensive to do anything in. I hate it here

Been here since monkey ball!!

bruh he goes "well, for *me*..." please for the love of god do not go on a vacation with debt that is absolutely crippling

bro I can’t find the vod

Got a little more than 6k. Thank god for 0% and balance transfer

Watching this video knowing i don’t even own a credit card:

I took on a bit of debt for a vacation but only because it was a trip I had been dreaming of since I was 11. I thought I had enough to cover it when I left, but I spent more than I thought while I was there and I figured well this has been my dream for my whole life I am going to live it to the fullest and not skimp out. If it means I have to pay a hundred dollars on interest later then that's ok for me. I also knew I would be able to repay it relatively fast, and I have.

@talyahr3302

22 күн бұрын

That's just weird to me because in my mind that means you ended up with $0 in your bank account due to the vacation. So you didn't have money for rent & food when you got back. Is that not terrifying and insane to go if you had that little margin before going? I just don't go to places until I can afford them and working on building a business right now so that I can afford to travel one day. Business is rough thus far but I feel like I'll be able to fly around the world one day.

@zants_

22 күн бұрын

@@talyahr3302I feel the same, and like I'm a world apart from people that can so confidently hit zero like that and build back (though I also wonder how much they actually build back to at any point...). Personally, I've always followed the advice (from Fidelity if I remember correctly?) where you save 1x of your annual income by age 30, 2x by age 35, etc. as a baseline (minimum) of how much money I should have at any time. If my total savings ever even fell below those benchmarks, I would instantly be cutting down my spending to the bare necessities and finding ways to increase my income and rates of return to catch back up (thankfully that hasn't happened yet). I want to say "maybe I'm a little too focused on retirement though, and somewhere between these two financial ways of living is a more balanced approach to things", but then I'm also like... you sort of *have* to worry about your retirement savings this badly, because retirement is inevitable, so what I'm doing is basically required isn't it? How are people expecting to basically exponentially grow their money later in life in time for retirement, since that's what I assume will happen if they're experiencing near-zero liquid cash moments in their lives.

@GeTMiXeDuP770

22 күн бұрын

Talk about FOMO. Taking debt for a vacation is like shooting yourself in the foot while you are trying to run a marathon

@sobbski2672

22 күн бұрын

​@@talyahr3302not necessarily. You don't have to take a loan/debt if you have 0 dollars. It's always good to have cash on hand, even if you have debt. People of all financial statuses take on debt

@sobbski2672

22 күн бұрын

Always plan ahead.and you did.

My dad took me all over the world as a teen and he did it on debt then worked it off

Going on a family vacation with my wife, a friend nannying and 3 kids across country to Disneyland after quitting my career job was all on credit cards in 2021. I was so stressed the whole week seeing the debt rack up. Didn’t feel like a vacation to me. Since then, I started my own company to expense trips.

Its an investment, im looking for a place to runaway to so i dont have to pay back my debt

@backs8189

19 күн бұрын

solid plan

I’m American and I’ve never gone into debt to take a trip

I have more than enough money, but I'm cool with never traveling for rest of my life in order to save more money or retire earlier.

I visit the USA frequently for vacations and its so damn expensive, that I always wondered why Americans dont just visit Europe more often. You get a 5 star all inclusive resort in greece for the same price what you pay for a motel 6 in SF lol.

Man, I’m on the airport back from Italy and I swear it seemed like I am in Venice, Florida not Venice, Italy.

Big A sounds like Dave Ramsey sometimes with his credit card and klarna hate. Credit card signup bonuses pay for my vacations. I never carry a balance unless it's on 0% APR for the first year. In that case, I just put the money into a HYSA or CD and pay the card off in full before the 0% APR intro promo ends.

I m8ght buy the enron hat fr

Can you get credit cards in America that give 0% interest for 12 months+? In the UK there’s a lot of them out there, pretty handy if you want to book a holiday…. fill up the car with petrol… and in a few years time it will be the only way to afford bread *laughs nervously in British*

@2:38 is that 6k per card or … ? asking for a frenn.

I had a friend that would take out hundreds of thousands of dollars in loans for vacations for 2 years at the age of 18

I refuse to believe that a real piece of advice was “financial experts say that the key to being able to afford a vacation is to plan ahead and figure out what you want to spend, then set a budget” Like how do you not know this

I dont plan on "being around" much longer so why not take on some debt for fun

I am German. I have to pay 128€ a Month in Student Loans, the only debt i have and i still feel bad about it.

Debt debt debt, most people are broke, and they sit on their phones watching influencers that go on trips and crazy lives and people take the debt on to try and even get close to that

Atrioc I mean this 100%, they say the average cost of a one week holiday is 2 grand, if you give me 2 grand I will go and live the best life for a whole month, film it, and teach your fans how to holiday

yall got vacation money???

6:20 guys is this sarcasm? he didnt say /s

I am often mad that motorbikes cost twice as much money in my country (Denmark) as they do in the US. Then I remember I am a 21-year-old college student who has never had to worry about debt / student loans

@leofjatstrom

21 күн бұрын

Har ni inte lån i danmark

@traderofgodsgt3518

21 күн бұрын

We can take loans of course, but there's no need to do so just because I am a student I also got a few dollars in my savings, so loans won't hit hard

@leofjatstrom

21 күн бұрын

@@traderofgodsgt3518 ah, i sverige tar typ 90% csn lånet. Bidraget går ju inte så långt, ens om man bor hemma

If you ask, “how can Americans afford ____” I’ve learned the answer is debt no matter what it is

I'm on team nocation.

Holy fuck this video reminded me I have free money just sitting around in my retirement account. Yeah I’m crashing out fr fr

Is a home not always a good investment? Like if you can afford the mortgage comfortbly, then they have a place to stay even if the market crashes. Of am i missing something? Like it i just want to mouve somewhere why would i give a shit what it's worth long term?

I kinda understand it yknow? Like youre aleady in permanent unpayable debt, whats another few metres to the end of a bottomless pit?

Bro ripp for the ohio dad

Anyone want to loan me money for my food truck, trust me bro, you will get the money back 😅

Rise of the bourgeoigays

By the way, for how many years have Atrioc promised a recession now?

@account-yi2cn

22 күн бұрын

Recession is not a light switch

"maybe the gays are spending more on travel" yeah bro. they are saving 250,000 usd on not having kids accidentally at 19

The people know we aren't retiring so why save it? Right guys?

You guys have been getting vacation?

finally washed the hat

bro just keeps uploading wtf

6k is average? 😅