Hearted Youtube comments on Two Cents (@TwoCentsPBS) channel.

  1. Again, should be required as part of high school education class.
    15000
  2. customers.. I meant students
    9300
  3. Why do I learn more about finances from youtube than when I was in school?
    7700
  4. This should be part of a Highschool economics class. They'll actually learn something.
    7600
  5. I work as a doctor in a rural health clinic. Working closely with an underserved population. This is such an honest look at predatory business practices. I truly admire 2 cents for approaching this topic.
    5900
  6. Heres to you guys calling me on my bad habits again like a true friend should 🍻
    5100
  7. Some people look down on Community Colleges. I Went to Community College. $0 school debt. Got a job. My job paid for my Bachelor's degree and now they're paying for my Master's. 🖕
    5000
  8. Don't build thy house upon the sand, build thy house upon the rock of good credit, solid income, and 20% down payment. 😇
    4100
  9. Social media has cost me a lot of money, not through ads, but through medical fees for the depression and anxiety that it stimulates.
    3900
  10. Being smart with your money is way cooler than having a hot new ride.
    3300
  11. I've managed just fine in the modern world without a car. Nothing against cars, I love to "take the wheel" now and again for fun, but I don't own one. Public transportation and ride share for the J-man. Thanks for wisdom.
    3200
  12. You guys should do a seminar on how seminars are scams.
    2900
  13. Focus on making exercise a consistent habit before signing up for the gym.
    2800
  14. "A bottle of Our Daughter's College Tuition" Dead.🤣
    2800
  15. This whole channel should be turned into a high school class and taken all four years of high school.
    2400
  16. This is great. Now I just need to find someone to marry...
    2200
  17. I enjoy poor man's first class when once in a blue moon, the seat next to me is empty!
    2200
  18. My own community college graduation is tonight actually. I’m getting two associate’s degrees and will be transferring to University of California, Irvine. I paid about $1800/year out of pocket but saved roughly $65,000 by not going to university right after high school. Community college is a great option and allows you to get your GEs out of the way.
    2100
  19. Wow. This is your first video that made me sad. Still great content that most avoid talking about.
    1900
  20. This channel is secretly nudging me to think about getting married. Lol... Did my parents speak to you guys or something???
    1900
  21. Y'all look like you're gonna call me "sport" and ask to play catch in the backyard after explaining how money works. I'm okay with this.
    1800
  22. > "you're just gonna walk away? After everything we've been through?" Lol
    1800
  23. two CENTS actually answering all the important questions
    1700
  24. As someone from Sudan ..I don't know what to do with most of the information I get from your videos , but I am enjoying it ... Keep it up
    1600
  25. You two have an awesome chemistry together, the comedy, visuals, sound, pace, and topics are on point! Only thing is you need to please make videos 10 times more frequently because I cant get enough! Keep up the great work! This channel will be huge in the near future!!!
    1500
  26. This is such a smart idea for a video. Almost everyone loves dogs, but I don't think I've ever heard anyone break it down like this. Food for thought. Thanks 2 Cents!
    1500
  27. Whoa, whoa, whoa. A pack of Pokemon cards you forgot to open?? That's the mistake right there.
    1500
  28. I'll say it again, this is one of the most important channels on YouTube.
    1500
  29. I trusted you guys like my parents after like 2 videos.
    1400
  30. Looking at financial channels like this one has help me pay off all my debt besides my house. More millennials are becoming financially literate by watching YouTube.
    1400
  31. The real question is: Are bigger mustaches better than smaller ones?
    1400
  32. They have become 2.5 cents now 😉
    1400
  33. I'm so glad this channel exists it's growing so fast I can already see them hitting 100K subs!
    1200
  34. As a mental health therapist, I really appreciate this episode. Finances can be so triggering for some. Thanks for being so vulnerable.
    1200
  35. Props to your graphics person for the great visuals.
    1200
  36. I hope I won't offend you because I have a lot of respect for your work, but I think it's really cool to get financial advice from someone who looks like Petyr Baelish aka LittleFinger.
    1100
  37. Tia and Tamera, huh? 90's kids for sure.
    1100
  38. Remember, reuse is better than recycle. It would sometimes cost the environment less to keep driving your current gas car till its end of life rather than buying a shiny new electric car.
    1100
  39. I feel the praise you guys don’t get enough is just how approachable and accessible the verbiage in these videos are. Sure you can learn this stuff in a textbook, but the academic language can leave people more confused than when they started off. Plus all the real life examples show how these concepts look in practice that just help further understanding. I can’t sing these videos praises enough and just wanted to put this into words :D
    1100
  40. This is one of the most useful channels on all of Youtube. This is truly a life in America howto. You need your own class for high schools. Pre-package your videos with supplementary worksheets and papers with suggested questions for the class. Give it to high school classes at no cost, you would save a lot of people a ton of pain.
    1100
  41. Choose a job/career that can't be outsourced... that's the most useful takeaway from this video! 😁
    1100
  42. “Way back in February 2020” 😂😂😂😂 it sure feels like a year ago
    1100
  43. As a Gen Zer, I’m scared of my financial future. Everything seems to be made worse for us, the 80s and the 90s seems like the best time to have been alive to get rich
    1100
  44. Here is my two cent: buy shares in this channel 😂😂
    1100
  45. Soooo is there any chance that we get to see that extreme parkour vid ?
    1100
  46. I've not watched a single one of the videos but I'm already sold on the mustache.
    1000
  47. Before this channel i always used to zone out when people talked about finance, now i can actually give MY two cents. xD
    1000
  48. Gold seems like the perfect currency to bring if you’re a time traveler
    1000
  49. And to everyone who says "5 year old cars aren't reliable," or "the added maintenance costs offset the savings." That is simply not true. Do some research. Read some articles. There are many, many cars that still run perfectly fine 10 years later. I had a 1999 Honda Civic from 2012 to 2018, until someone ran in to me and totaled it. I had maintenance that had to be done on it, sure. Things had to be replaced over the years, power steering pump, front brake calipers, and some other things, but I never had any serious problem that left me stranded on the side of the road. Compare that to a family member who bought a brand new car in 2013. 4 years later the transmission went out on them during a road trip, leaving them stranded on the side of the road. They had to walk several miles to the nearest gas station to call for help. The point is: New ≠ guaranteed reliability Used ≠ automatic problems Car problems happen to everyone. I bought mine for $3,000, they bought theirs for $20,000. Maybe I've had to put more money into maintenance for my car, but nowhere near $17,000 (more like $2,000).Having said all that, making a decision isn't only about the math. They had a nicer, newer car, with leather seats, bluetooth, and other bells and whistles. I had a simple, basic car that got me from point-A to point-B reliably. It was clean and comfortable, and I loved it (RIP). IF (big IF) you can afford a new car, that's your choice. But don't fool yourself into thinking that you need one when you can't afford one.
    1000
  50. Lots of Dave Ramsey fans here, so wanted to address a common refrain re: Dave's stance on mortgages. Many have pointed out that Dave teaches it's okay to get a mortgage if it's a 15-year fixed with 20% down. We knew this going into writing this episode, and wanted to provide some context. On Daveramsey.com, it reads, "If you’ve been following Dave for long, you know his favorite way to buy a home is the 100%-down plan—paying cash up front, no mortgage needed." We took this at face value, and that Dave's best and preferred way to buy a home is without debt -- hence why his critics take issue with it. https://www.daveramsey.com/blog/3-steps-to-pay-cash-for-home While it's true that Dave repeatedly advises people that can't pay cash for a home (virtually everyone) to get a mortgage, this is contradictory to his overall message of living 100% debt free. It comes across to many as confusing, essentially "You should buy a house with cash, all debt is bad. But if you HAVE to use a mortgage, then get a 15-year fixed with 20% down, and do it with the one debt company that advertises on our show".  Critics of Dave have pointed out that paying for a house in cash is unrealistic for most. What we didn't have time to point out in the video is that feeling shame or guilt about compromising in getting a mortgage also isn't helpful. And for many people in most cities, 20% down on a 15-year mortgage (while keeping housing costs under 25% of your income) really isn't within reach either. Our point was simply to present popular critiques of Dave's anti-debt stance As always, thanks for your Two Cents, guys!
    1000
  51. You should do a video on common tax deductions and tax credits. Like the standard deduction, child tax credit, etc.
    1000
  52. How about a video on a Morgage vs. Rent?
    991
  53. Such a GLORIOUS channel! Such an incredibly valuable subscription! I have learned a lot from you two in just a short while, I am very excited for what is to come! Love you both.
    981
  54. My wife and I are far from traditional, but we've discussed money early in our relationship. She brought in student loans, where I had none. I knew that going in and agreed to tackle that together. We paid off her student loans together and are debt free aside from our mortgage. The way we share finances is we keep a certain amount of each paycheck to a personal account ($150/paycheck since we're paid on the same schedule) and the rest goes into a joint account to pay for the budget we've agreed on. I primarily do the finances and report back to my wife on the monthly reports (essentially). I don't question what she buys with her personal money and she doesn't question my personal expenses. We discuss larger joint purchases and how it will affect both of us (cars, trips, etc.). We also have a dedicated travel fund.
    978
  55. This series is seriously underrated
    974
  56. I quit social media in highschool when I realized I was acting out to be noticed and validated online
    970
  57. I love how this channel is quality over quantity. Every content is like a chapter in a book.
    953
  58. I didn't even know that online and local banks were a thing! It is so amazing how much new information you can learn in 5 minutes! I love all of these videos and I hope your channel spreads this cool and necessary info for a long time to come!
    926
  59. Pffff I'll just never have an emergency. Ez.
    900
  60. My first thought was, "don't raise fees! Lower income people need you too!" Second thought was: "You guys provide such incredible financial literacy to an immensely wide audience at zero cost to them. You are doing so much more for lower income people everywhere than low fees ever could. You are providing such immense value through your YouTube channel -- raise your fees for your real clients so you can continue to raise the floor for the rest of us!"
    891
  61. We need a video on apartments now.
    877
  62. What I don't like about tipping is that it is a way for businesses to hide the true cost of the services being offered. If I go to a restaurant and order a meal listed as $12 then I have to pay an additional 7% for taxes and an additional 20% 4 tip more than a quarter of the cost is hidden and not listed upfront. What it really is is a way of making the service feel cheaper then it actually will be, untill you pay.
    874
  63. My girlfriend doesn't understand the difference between needs and wants there's no way I'll share an account with her. Love her to death tho
    871
  64. I feel our generation will retire in developing countries since that's the only thing we will be able to afford.
    870
  65. It should go without saying, but if you don’t have any dependents or anyone relying on your income then you don’t need any kind of life insurance (assuming you have a net worth sufficient to cover your final expenses).
    857
  66. Kinda wish you'd say at the end "and that's arrrrgh two cents" :P
    835
  67. I am 23 and a truck driver (local) only took three months to get my CDL and I started off at 60k per year. *With no debt too* Trade schools are pretty sweet. I wish Teachers/Counselors would talk more about them instead of thinking that a kid only has two options, 4yr degree or Military.
    828
  68. This is the most reasonable explanation ive seen of the FIRE movement ever!
    825
  69. As a Brit I found the tipping culture in the US absolutely maddening (and I was only there for two weeks). JUST PAY YOUR STAFF MORE. It really is that simple.
    808
  70. Congratulations Julia and Philip! It was nice that you could actually apply yourselves and your experience into this video! Congrats again and another great video from Two Cents!
    807
  71. This should be obvious, but if you have any credit card debt or if you have no savings nest egg (at least $1,000 I would say), worry about that first.
    798
  72. Haitian living in Haiti here... I truly want to say that we aren't what we are portrayed to be, a country the international community poured billions on and who never got better. Believe me when I say we never saw that money. We heard about it on CNN like you did. I am a well educated physician. When charities like the Red Cross are providing free care, I can't compete with that, neither can local farmers when free food is being provided. The right way to help is not by destroying the local economy and creating an even more dependent nation. Because the nation I'm caring for can't afford my services and runs to free care provided by charities, most of my colleagues are getting licensed to practice in other countries, including the United States. Haiti is loosing the Healthcare professionals she so desperately needs, after spending to educate them. We speak several languages and are highly skilled. We just want an opportunity to stay home, work home and be able to feed our family in the process. Help is asphyxiating us. Help is destroying us. If you want to help, enlist local physician and pay them to provide care. Don't bring in American physicians who can't even communicate with the patient, can't obtain informed consent, do not keep any files and aren't there for follow-ups. Lol, I could write a book. I love love love your channel ❤️. Been a follower for some time.
    787
  73. Can you guys do a video on “how to survive through the next financial crisis” or something along those lines?
    773
  74. Their use of graphics is like adult financial blue's clues, pleasant!
    765
  75. THAT SCRIPT JOKE
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  76. I remember playing Roller Coaster Tycoon back in the early 2000s and not wanting to raise the price of admission to my park because I was worried all the poor people in the game wouldn't be able to take their kids to the park anymore.
    758
  77. Wait, Julia is actually pregnant? That's incredible!! Congratulations and what an awesome way to start 2019! Can't wait to become a father myself so I can imagine how excited you guys are. Thank you for another great video. EDIT: "That's our Three Cents" Yeah that was just too adorable.
    756
  78. I tried to invest in bounce houses, but kids aren't the best tenants and there was a lot of inflation in the market. 💸🔥
    740
  79. Mind blowing analogy. Its crazy how well it fits the bill.
    739
  80. You guys are back! Hands down one of the best channels for education about money
    737
  81. This is like Play School tv show for adults. Love it.
    724
  82. This channel is too good to only have 50k subscribers
    715
  83. This is so useful! These types of videos are like half of my education every day and I'm so thankful to all these channels and PBS digital studios
    708
  84. Everybody loves to complain about airlines but when those complainers go to pick their own flights... They CHOOSE the flight that is the cheapest and reinforce the business model they're complaining about. Airlines are giving us exactly what we pay for.
    695
  85. ONE FISCAL QUARTER OLD VZODNFIZBSO I feel like he's been waiting all this time to drop that dad joke
    692
  86. How on earth is all this information free? Am I a nerd for saying I genuinely found this video interesting? It made total sense and I had fun watching it.
    689
  87. I get so excited when it’s time to “RUN THE NUMBERS” 😂
    685
  88. I am honestly so happy to see the return of 'RUN THE NUMBERS'!
    676
  89. "Mr Money Mustache, no relation" LOL
    668
  90. You really make learning about finances simple yet interesting!
    666
  91. You hit the nail right on the head. Could you possibly do a video about the Compound interest accounts you mentioned?
    665
  92. So True! If you don't get a 2% raise then your salary has decreased in value. If you do get a 2% raise, don't be deceived! Your salary is worth the same.
    656
  93. The animation was truly marvelous. The subject matter was really good. Keep rocking.
    647
  94. Wow, you guys are a one of a kind couple on youtube! thanks for All the Life Tips over the years !!! and that's my 2 cents :)
    636
  95. Thanks for the tip! Hmmm my 2cents would be don't shop exclusively by brand label. I have a family member who swears brand labels are superior in quality and taste. Yet many of the more expensive brand labels have the same ingredients as the store label brand. You can be paying more for the nicer packaging. I'll take a not so nicely designed package if it means more savings and equal ingredients. Go brandless! :)
    636
  96. You are truly the most lovely, easy-going & adorable couple among YouTubers.
    630
  97. In Two Cents we trust.
    629
  98. First time I think I’ve seen a financial channel talk about how to donate wealth rather than how to increase your own wealth. Yet, it’s such an important topic. And that’s why I love you guys so much!
    626
  99. You guys are an awesome host pair
    624
  100. This is obscenely cheesy to the point of being offensive but I do kind of adore it.
    623
  101. They should be teaching this in high school instead of nonsense subjects.
    617
  102. Every time I see a video by these guys, I still get amazed at the quality of their content. As someone who has been trying to get into making fiance and investing YouTube videos, I don't think you guys get enough appreciation for the work you do! Keep it up :)
    607
  103. This was honestly pretty brave to share something so personal, thanks so much
    607
  104. Impressive that y'all can make all those puns stoned faced 😁
    605
  105. hearing "and that's MY two cents" made my heart hurt :(
    599
  106. It's gotten to the point where people buy random stuff just for the sake of buying "something" 🙄
    582
  107. I'm happy for cheap flights even if they're uncomfortable. They give me more money to spend at my destination. I'm not interested in giving airlines my money for a pleasant few hours, I'm just looking for them to get me to my destination quickly and safely. And it's not even like a 4 hour drive is that much more comfortable than a 4 hour flight.
    578
  108. 30 seconds in and I see Pun-o-Meter - this gonna be good :D EDIT: AND THAT INTRO! Amazing :)
    577
  109. You are like my second set of parents that teach me how the world works even though I'm an adult. I love this! P.S. I loved your video on saving for retirement and I've already created my own plan for my future. Thank you!
    577
  110. I paid £170 for a year long membership, and I go 15 times a month. I'm pretty sure I'm ahead in this one.
    573
  111. Omg, I swear when I subscribed about a week ago, you guys had 30k subs, now you guys almost have 90k. At this rate you guys will reach 1 million suns in no time at all.
    568
  112. Payday: Mogul Next week: social spender Rest of the month: ostrich
    560
  113. I came here from it's okay to be smart, I'm really amazed on how much you are simplifying complicated financial information for the average person to understand. This is a very noble thing to do since this is a very dangerous era for the "middle class". I wish you all the luck!
    558
  114. Remember when they said to save enough money so that if something does happen you can live off it for a couple of months? I wonder how many people took that advice and how many are regretting not saving up
    558
  115. You guys deserve your own tv show on finance! Your approach is refreshing and will spark interest in finance in people who don’t like the subject.. keep up the good work guys.
    557
  116. What's crazy is that you really did turn it into a board game
    552
  117. That intro was AWESOME! You guys make normally dull things interesting and funny! It makes people more interested in the world they live in! We need more awesome channels like this on YouTube! Great video and thanks for sharing!
    552
  118. Your content is truly amazing. Very few educators have taken on or even tried to explain the real struggles faced by low income individuals, due to their basic misunderstanding of how large those hurdles can be. I have shared your video with some of my contacts within the public health field. I regularly meet enthusiastic public health professionals/students, and a few years later their enthusiasm has changed to cynicism. Their passion to help turns to frustration working with the poor due to the poor's cylindrical bad decision making, many times for the very reasons stated in this video! I have done my best to try and explain the financial hurdles that the poor have to overcome, but this video covers many of their obstacles concisely and compassionately. Well done.
    531
  119. Shoutout to such great channels for carrying my financial education
    527
  120. How the bloody hell is this not getting views. This is quality content.
    527
  121. You two are the best thing to happen to YouTube ❤️
    525
  122. This is seriously the best channel on Youtube; especially for millennials. You guys and your team are outstanding.
    522
  123. Y'all have no idea how good it was to hear "and that's OUR two cents" compared to last week's video
    521
  124. According to my 2 year old, its actually dada
    515
  125. How Do You Actually Buy A House: "Give them an offer they can't refuse" -Vito Corleone (The Godfather)
    515
  126. TL;DW We're not fortune tellers; just be prepared for when it eventually bursts because if something is too good to be true, it probably is
    510
  127. Where are all my “Day-tah” people at? I do use my cell phone on the go and sometimes when wifi is overloaded at my house I like being able to use the cellular network which is faster.
    502
  128. Kinda surprised you didn't mention youtuber as one of the side hustles you called out there in the beginning since you know that's gotta be your side hustle right?
    495
  129. I went to culinary school, I’m a private chef and make over 6 figures. I got lucky because most people I know that went to culinary school, is no longer in the industry
    491
  130. You guys need to hire somebody to make this into an actual tabletop game
    480
  131. Came for the cash, stayed for the 'stache.
    479
  132. Just wanna say I LOVE 2 CENTS, and that I aslo started my first retirement fund
    478
  133. You're usually better off buying stable, proven investments with a predictable and promising future 💵👍
    476
  134. Can you guys be my parents
    474
  135. Caught the plug for your show on another PBS youtube series. Gotta say I've now binge watched all your episodes. Great content. You both are great presenters. Love the format. I honestly have so many topics I'd like to see you two cover. Not for personal reasons, but as general "I wish this was told to me when I was in high school" type content. Issues I've seen with people that might make for good content. 1. Why attorneys don't represent tenants. 2. The various ways child support is calculated. 3. Paying off your house vs saving for your child's college fund. 4. How to dispute your credit report rating / general info about the big three. 5. Bankruptcy, myth and fact, and why it's so complicated you need an attorney. 5a. Secured, unsecured, and priority debt in bk. 5b. Different chapters. 5c. The aftermath, and how credit companies stalk clients with offers after filing. 6. Insurance, why most people have term life and will never use it, vs short term long term disability insurance. 7. History of money. Debt as money. 8. Retirement. Index funds.
    465
  136. As a musician who's lost 12 months of work due to COVID, thanks for the recognition.
    456
  137. My favorite price is two cents!
    450
  138. Always do your own due diligence. No one cares about your money like you do 👍
    444
  139. This channel deserves more subscribers! The way they format the information and make it so interesting is awesome! I am not only learning but having a fun time!
    444
  140. I feel like people who can't afford professional financial services are well-served watching your videos. There's enough free advice here to help the vast majority of people.
    443
  141. Lol this is a shade video for Tai Lopez. Savage
    436
  142. /moment when you realised you and your friends been prepping for a depression all along Board Games, DnD saturdays, keeping our phone until it doesn't turn on anymore, learning how to fix things, minimalism, baking bread, and growing veggies in our tiny apartments.
    435
  143. My wife is a recovering ostrich and I'm an engineer helping us navigate the money seas
    433
  144. Congrats, here's hoping the baby grows a handsome mustache
    424
  145. I always recommend index funds and ETFs! They are probably the easiest way anyone can build wealth 😀👍
    423
  146. This topic isn't very often covered! Now I will consider covering it 🤔👍
    422
  147. I love this series. Though I already know a lot of the information I've received here its good to have an entertaining reminder that those issues (such as eliminating debt and staying focused grocery shopping) always exist.
    416
  148. This is one of my favorite videos. The history lesson of the piggy bank brought a smile to my face.
    414
  149. Conveniently Im getting married this month, so this came at the perfect time!
    412
  150. keep growing two cents
    410
  151. Two Cents needs to be a mandatory financial course for High School students 😉 And that's my "Two Cents" 😁😊
    406
  152. The one really irritating me these days is the "your car warranty has expired and we've been trying to contact you!" So what I've started doing is playing along and giving all kinds of fake information. Because the way I figure it, if I take up their time, that's the one thing they can't get back.
    405
  153. This channel is literally what should be taught in schools. Kind of sad that it took 25 years of my life to finally learn what the Dow is.
    398
  154. Please consider making a video explaining compound interest and the best retirement planning strategies. I know that you have already made a video regarding early retirement (great video by the way), but, could you go into more detail regarding the subject? Asking for a friend. (It's me... I'm the "friend".)
    396
  155. When “The Economist” made the rent vs buy video saying rent is sometimes a good idea and it worked out in some countries, some commenters complained along the line of “The Economist is a shill magazine for millionaires/landlords”
    395
  156. You guys have a lot of viewers, but you deserve a lot more. Thank you for your two cents.
    394
  157. I dont know about anyone else but around me more and more stores are straight up doing away with the little hand baskets or there hidden somewhere obscure
    393
  158. Hi, Philip and Julia. You should make a video with regards to filing taxes, tax returns and how all of that works so young people know what to expect when the season comes around and they're not stuck dealing with the IRS. 😊
    393
  159. The tax thing is so real. My first year as a freelance writer I owed over 4500 dollars! Totally blindsided and it took me two years to finish making payments to the IRS.
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  160. I like your 2 cents. Or as we call them in India, 1.45 rupees.
    377
  161. Thanks. I'm only 15 and learning so much from this channel!
    376
  162. Just finished my 3 month emergency fund last week!
    375
  163. Even fish are expensive af (if you take care of them properly instead of putting them on bowls).
    375
  164. Can you make a “financial things to do when turning 18” ?
    372
  165. I "trust" that you will cover Bitcoin in the next episode.
    369
  166. A quote I recently heard that has really stuck: “you didn’t make good choices, you had good choices.”
    364
  167. Actual useful information, love your videos guys.
    364
  168. This channel should be promoted in schools! We live in a money driven society, yet we know so little about economy and finances. Great content! Keep up the good work!
    364
  169. Yes, but what about tips on how to save my wedding?
    359
  170. Finances cause so much issues and will end up in divorce. Talking about money is hard but these questions are really good.
    357
  171. We need your HELP, Two Cents Fans! We are thrilled to announce that we've been nominated for a "Webby Award"! If you love Philip, Julia, and the Two Cents team, can you take 30 seconds to vote for us? We'd be so grateful! https://vote.webbyawards.com/PublicVoting#/2019/social/social-content-series-campaigns/how-to-diy Much love, Two Cents
    353
  172. Great video! Although I have one complaint. I don't think the danger if mlm companies was stressed enough. Companies like Amway and Herbalife are predatory and should not be bunched up with legitimate side hustles in a light-hearted tone. I see that there was a warning about the %1 of people turning a profit, but I don't think that's enough. People will think they'll be that one percent. Just look at the lottery (and they have worse odds). Thanks for reading!
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  173. It is not about how much you charge. It is about offering sound advice. As long as you put your customer’s interest above your own, are transparent and have no hidden agenda, you can charge as much as you like. If you still want to help those who cannot afford your new fees you can refer them to somebody you trust that sees eye to eye with you and is still charging less. Plus, if your fees and the channel provide enough income for you, maybe you can have the luxury of making an appointment for free each week for someone who really needs it. In any case, you are helping thousands of people everyday with your videos. Be transparent and enjoy what you deserve.
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  174. I love how this channel informs me on the basics and leaves me motivated to investigate further on the subject. There's rarely a definite yes/no, they leave it up to the viewer to decide what do do.
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  175. Make sure you loan officer is a broker not one associated with a specific bank. The can negotiate with more lenders for you for the best rate based on your information.
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  176. Funny they didn't mention my butterfly therapist degree...
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  177. Congratulations to you both. Wishing you 3 a prosperous and bright future.
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  178. This video was so well animated - and the advice is spot on!
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  179. I adore this channel for helping people take away the stigma of talking about money and how to more responsibly handle it! Thank you two for all you do!
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  180. Favorite couple on YouTube.
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  181. "Run The Numbers" straight into our hearts
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  182. Love it , Make a series for stock market Please , Many people don't know about it and are too afraid to invest . How can one invest in them without paying any 3rd party company or financial advisors
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  183. I'm guessing this channel's audience is on the relatively younger side. You're not retiring for decades, so these downs in the market shouldn't matter. Keep putting money into your 401k, Roth, and brokerage accounts.
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  184.  @dr.ashutoshpandit9180  Well Dr.Ashutosh ..I can't give you an in-depth analysis but from my personal experience : 1- The major difference is that the tax system in sudan is not well established so most people don't pay income taxes 2- more than 50% of the country lives under the poverty line and live with day by day income 3- There is no interests in loans which is forbidden in islam the majority's religion 4- people often live in family's house and share finance until they get married and sometimes even after that They are other differences in people spending habits , the increasing inflation rates, and other stuff that affect many people ability to save and plan their finance .. These are just my thoughts as i am no expert in these matters but i hope that helped .. Thanks for your comment
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  185. Not gonna lie... Those animations really helped me understand this.
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  186. OMG, that animation where Warren Buffet looked at the gold and his eyes popped out? Yeah, I wasn't ready for that and I was drinking tea. I laughed so hard I coughed and sputtered and choked on my tea as I spat it all over my keyboard and monitor. Tea came out my nose...so yeah, thanks for that Two Cents animator!
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  187. Unfortunately I took out loans when I went to college. But after college I went hard at my student loans and even pick up a part time job on top of my full time job. I am almost 27 and have completely wiped out my student loans. The feeling is SO AMAZING!!!
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  188. 1 of 4 failed marriages are caused by money problems. It’s a real issue. Thanks for tackling such a sensitive topic in a world with a variety of non-traditional set ups. Great video!
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  189. The low-flow shower head doesn't save heaps of money, but as someone living in California that actual water savings is HUGE! We're gonna have another record drought to deal with this year and every drop counts!
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  190. It is so difficult to see both of them without regular funny and chirpy and great one liners. Wishing you both a great life.
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  191. I've tried owning, and I've tried renting, both houses and apartments. I'm done with home ownership for a long while. Home ownership is just important to our culture, and there are costs and responsibilities people won't talk about because it blemishes that image of being a home owner, so I was unaware that it would initially be much more expensive and it made my life worse as I was in college. Also, the process of buying and selling is miserable. I'm saving money by renting a nice apartment, putting more into retirement, and I have the freedom to move as often as I want.
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  192. Always wondered if I can afford a dog! This was really eye-opening! Thanks!
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  193. Well, this is painting a jolly picture for us millennials.
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  194. I didn't know Ryan Goslin had a YouTube channel, but how refreshing. Subbed
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  195. You guys deserve 1 million subscribers
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  196. Hehehe I bet you are moving to a bigger place for the baby and that’s where the video idea came from. Either way, nice vid & useful tips 🐰
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  197. Emergency funds more important than ever, and harder than ever to grow emergency funds.
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  198. "Maratha recently gave up her oxygen habit" Is probably one of my favorite lines from this show
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  199. "[free samples] create a feeling of personal obligation" ==> so true! :/
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  200. Not all of the Two Cents videos apply to me, this one I really hope doesn't apply later in lie. But, I watched it through to the end and gave a thumbs up because I love the quality of their videos and I love to see their content! This channel is truly looking to provide useful information to people, not grow a subscriber base as quickly as possible with reckless disregard for quality in order to do it. Way to go Two Cents, you rock!
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  201. Everyone: "Avengers Infinity War is the most ambitious crossover event in history." Two Cents and The Plain Bagel: "Hold my beer!"
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  202. This channel is such a blessing to Youtube, truly the best new channel of 2018! Praise be! 😇
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  203. So let me get this straight, he recently becomes a dad and is all of a sudden a pun master?
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  204. You guys are my financial parents <3
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  205. Hey, Madagascar - my beloved country made it to the video. And it's true, every year we get hit by cyclones coming from Indian Ocean and every year it gets worst. Climate change is real, people. Great video - thanks for the enlightenment about inflation. Now more people knows about what the news is talking about when Feds want to cut or raise interest rates :-)
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  206. I read "Evicted" By Matthew Desmond early this year before the Pandemic. It was disturbing, but then thinking of it all after the pandemic hit was super heart-wrenching. Really good book. Highly recommend.
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  207. Sentimentality? More like cent-imentality, amirite?!?!
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  208. I love the mini flex from Phillip showing that he's a CFP. First time noticing it in the description too.
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  209. You two inspired and prepared me to start my small home soap business last year and make the focus something I care about. So my husband and I only use cruelty free, sustainably sourced materials and donate a part of each sale to fight climate change! Thanks Two Cents!
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  210. Between you guys, Dave Ramsey, and Chris Hogan, there’s no way to be financially blind anymore! That said, once this check gets cashed, I’m debt free & starting saving and investing to be financially independent and wealthy! Thanks for all that you do!
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  211. I just binged watched your channel last night. New episode! Nice surprise :)
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  212. Gosh you two are good life coaches.
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  213. When you’re poor you know who your friends are. People who go from wealthy to poor lose everyone they thought are friends. Payday lenders are the devil. Run like hell.
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  214. why does it have to be a gift card though? what's wrong with giving a $20 bill (which are basically the same thing)? is it not fancy enough?
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  215. I appreciate explaining both sides of the story. I was a small business owner. The state forced me to shut my doors for 3 months as a result of Covid, and when I was allowed to reopen the business simply couldn't recover. I also have two rentals, one of which the tenant refused to pay rent back in march because of Covid despite not losing their job. After several months of not collecting rent my only recourse was to evict them. Not something I wanted to do, but I felt it was better than the bank foreclosing and evicting them anyways. (As a side note commercial loans such as those I used to purchase my rentals were not differed so I had to continue to pay them while not collecting rent).
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  216. I'm glad YouTube recommend this for me, it's so helpful and easy to understand!
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  217. Can you please make a video on investing? A lot of young adults just don't invest because they don't understand how it works or they're afraid of the risk, which is ironic since we're the first to invest in crypto too. Anyway, would be good to overview it - things like Robinhood, index funds (which I think are the best investments for retail investor (and pros too tbh)), munis and other debt, etc.
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  218. I love the whole production of this. Not only are they super pleasant to listen to and animations, like at 1:45 for the "Avalanche approach" extremely eye-opening (financial advisors should have those!), but the short video format is also perfect for this subject matter. It's not putting people off by being too dry, on the contrary, it makes you suddenly want to do something super savvy! :D
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  219. Most community colleges offer these same trades. Community colleges are way cheaper than vocational schools and offer federal and state aid. I'm a surveyor in California and am studying civil engineering. Basically got my career paid for. I got my two Associate degrees for free and will only pay for my remaining 2 years at CSU-LA. 👍 I recommend doing a bit of research before going to vocational school.
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  220. Just donate yourself to science and be done with it.
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  221. I am a single member LLC owner of a cleaning company that I started 2 months ago! This video was awesome. I would like to add general numbers to help some (especially those in Kentucky like me) fill in the gaps. I paid $40 to file my LLC directly from the Secretary of State website, $13 for a DBA name/Certificate of Assumed name, $100 to open a business account (with LLC paperwork), $25 to register my business in a neighboring state for taxes, and $178 for almost all of my cleaning supplies from a local janitorial store! I have monthly subscriptions for gsuite which gives my business a professional email $6 a month, an app that tracks my appointments, jobs, employees and income $19 a month and I just got Intuit QuickBooks for bookkeeping for $12 a month (it’s usually is $40 a month but I am using the Labor Day sale discount for two more months). For insurance, it’s $35 a month for bonding and $54 a month for business insurance. I found a local CPA that does payroll (through quickbooks) and taxes for $145 a month. Running a business is not too expensive depending on what it is! Home & Business Cleaning/ Window washing/ lawn care are some of the quickest and cheapest businesses to start! Hope this helps!
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  222. Even though I am too young for most of these tips and videos, I still come back every week! Maybe, by the time I am old enough, I will be ahead of the game and prepaird for some of the things life throws at me! Thanks Two Cents and Happy New Years!
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  223. I would definitely watch more history videos from you guys
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  224. I don't think there's another channel on YT I'm as excited to see new videos from as two cents
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  225. Love this concept of "fun money"! Trust is the foundation of any successful relationship! As always, great video!
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  226. I'm one of the few who desperately needs the unlimited being a truck driver lol I burn through 100 GB easily. Using music, gps and what not lol
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  227. You guys just wanted to dress up like pirates and play sea shanties, didn’t you
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  228. Am I the only one that didn't know they were married!? I've been watching these videos for over a year and always thought they were just hosting together.
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  229. Maybe Ryan Gosling can hire you to lose that moustache and act as his double at a few promos, while he sits at home, sips at his protein shake, and watches your videos cuz they’re so damn good.
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  230. Hoarder here.... with an Ostrich GF.... It is freaking hard to plan a future financially
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  231. He looks like "Little finger" from GOT !!...
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  232. I actually like this video. Most "stock" market videos I see, is either someone screaming at you, or lecturing you, thinking they know better. But I like how your video is more informational without the "superiority complex" that I see from other videos. It's a breath of fresh air, thanks!!
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  233. I really like that you said the fico score is a relationship with debt.
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  234. Would Penny support Youtubers on Patreon?
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  235. I invested in solar panels on my house. It was $33,000 but I have no regrets. This video pointed out all the things I really care about. Thank you for making it.
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  236. You should partner up with crash course to create a personal financial literacy playlist. Many schools are now implementing financial literacy but programs vary widely between districts. And these skills are not taught in college outside of business classes
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  237. I would love to see an episode on HSA's. Personally I love the HSA and in my opinion is one of the best tools. I make sure to max mine out every year and have everything but my first 5k invested in a target retirement fund. What most people don't realize is you keep this money no matter what, it has a triple tax savings when used on qualified expenses, AND if you happen to save to much you can convert it to a traditional IRA when you retire. My plan is to have at least half a million in the account by the time I retire to cover all my medical expense. Keep in mind that in 2019 the average couple retiring would need $285,000 to cover their remaining lifetime healthcare costs and you might as well use tax free money! Not to mention my employer also contributes $800 a year to this account. One last thing most people don't know about this account you can also use the money tax free to pay for long term care insurance if that is something you desire.
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  238. the only youtube I have ever come across that has zero downvotes even after 1500 views... awesome
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  239. I would suggest taking a dog instead, but I've also seen your video on the cost of having pets 😅
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  240. I just discovered this channel like 3 videos ago and this channel is already my best...where have you been all my life?😭
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  241. Y’all are in Austin?? I go to school there at the University of Texas. More college students here could use these tips to help them out
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  242. I love your videos! Very professional but yet fun and informative. They are simply a delight to watch!. Don't change a thing!
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  243. Yeah, but to whom the stimulus money is going to matters as much, if not more, than what's its size. Giving money to corporations pay dividends and, specially, executive bonuses, doesn't help the economy. There should be strict regulation on what the money serves for and what companies can use it on.
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  244. I love how you brought the topic inheritance into this video! If black families are discriminated against in the past, they will not receive the same inheritance as their white counterparts, which makes them start with a disadvantage financially
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  245. Michael Fojtasek seems like a nice guy, Olamaie has donated to the nonprofit I work at here in Austin before. I love that he’s continuing to pay his employees health insurance even though they aren’t working.
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  246. I swear, Phillips mustache grows more and more by the week.
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  247. As a matter of fact, I do have an use a bicycle!
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  248. Awe man when you said “Robert kiyosaki in this corner” I was like there’s only one other guy it could be in the other corner. 👴🏻=💪💵
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  249. Loving the show so far! Pity it hasn't reached many people yet.
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  250. This video was super interesting! Video games that claim to be free are super annoying because you know... You will spend money. Thanks for this video! It was nice to know the science and economics behind video games that are "free".
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  251. Just here for the mustache
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  252. There is a new financial coach in town. Love your videos
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  253. Invest in Two Cents for guaranteed returns 😊
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  254. I was laughing so hard on your parody of online ads. Very entertaining and informative as usual ❤️
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  255. Only 4000 subs? Wut....I’m confused, the mustache on this guy should be pulling in 4000 subs a video, minimum.
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  256. I just used your videos to study for my finance exam, especially the one on mutual funds and index funds. Thanks a lot you two
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  257. I had some things go to collections when I went through my divorce. It was a combination of already having financial problems and my ex not giving me my mail. I remember getting those calls daily. I spent the next several years cleaning up old debt. I listed my debts smallest to largest and worked on them one at a time. After all the bad debt was taken care of I started focusing on getting rid of the current “good” debt. It took me 4 years but I owe no one now. My house is paid off now. I won’t ever borrow money again. Now I save for retirement.
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  258. I really like the idea you're sharing about the MSRP. I manage at a retail store. The kind where our price tags are all made up. Everything is on sale always. I find myself trying to explain to my high school aged associates that the tag may say $100 but it isnt a deal and I'll challenge them sometimes with "when was the last time you priced these out to know if it's a good deal?" I see it daily with my kids they try to impulse buy because we write whatever silly number we want on the tag and throw up "LIMITED OFFER" and a week later we offer the same exact sale or one very similar.
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  259. It's awesome that you are bringing awareness around this issue. You two are the best!
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  260. This is very true especially in place with poor transit systems. Takes years to dig out of that. Taking bus loose 1.5 hrs to make a trip that would take 20-30 in a car. Living with someone else to make cost of living cheaper have no utilities in name. Need groceries for 2 weeks cant hold them while holding onto bus rails so make multiple round trips trying to eat healthier or pay someone $20 for gas money and time to drive to grocery store. Want to work at that job that pays more bus doesn't go there. Dont want to walk in sweaty from the half hour walk. So now try to get a loan from a good lender, not enough credit, no proof of long residency or income too low. So buy here pay here double price for car that needs to go to mechanic every month draining the little raise of pay you got. Single parent can't afford day so have to work multiple part time jobs to go between friends and family who rotate watching your child so government doesn't take your child. Being poor and not having family or friends who can teach you how to get out is a drain of life source. The list goes on and on. Some people buy stuff just to give themself a thank you to say all this loss of time wasn't for nothing. While some are just impatient and delusional and spend all their pay check to put up an image.
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  261. Awesome analogy of budget to battlefield, money to soldiers. Really impressive presentation.
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  262. They always tell me to live below my means. But who says my means are enough to live.
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  263. I was so naiive growing up. People really do need to be informed of how it affects minorities today- not just a part of history that happened long ago (how my schools taught the subject) Love this video!
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  264. Legends say if you are early, two cents will reply
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  265. I am a simple man. I see two cent's video, I click on it!
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  266. Loss aversion has been shown to be more powerful than the desire to make more income, and that is why people make bad financial mistakes during times of panic like during a market correction. That is why it is so important to build an emergency fund, and a little leeway so that you can reduce some of that risk aversion panic and be wiser with your finances 👍
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  267. I love the production value but simple ness of these videos. Keep it up!
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  268. I do appreciate that more than half of the $10k was being designated for savings, not just the suggested 15%.
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  269. I've said it before and I'll say it again: Best channel on the Tube
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  270. I have to say I’m glad that I live in Germany where I did a two and a half year apprenticeship in a company. I didn’t have to pay tuition for vocational school and I actually earned money while learning and gaining work experience. Now that I’ve finished I was able to keep working there, earning more money than any of my friends who are still in college. I will be able to earn my bachelors degree while still working and gaining experience. Even though I will have to pay tuition for that I can still afford to live on my own in a big flat, with a new car and no debt. I wish more countries would have this system, so far fewer young people would start into adulthood with a huge amount of debt.
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  271. You never know how much you have until it's taken away. This video really shows what it is like to live below the poverty line.
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  272. It is crazy how complicated some of this gets! Thanks for the great video
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  273. I’m on a social media break and I’ve been contemplating on deleting them permanently though.
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  274. That's why it's so important to have loving parents, role models and good teachers when you grow up. Education is the way out. Once you're grown up, it's much harder to get out of poverty. If you're in this situation, don't lose hope though.
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  275. Congratulations Julia and Philip! Let's hope that the baby's good investment lol
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  276. Such a fun video! I loved how you guys could give your own personal experience with every tip, helping with the ideas you were sharing! I think we should always be thinking about the future ( even the distant future for me ) and how we can do better and these videos really help! Thanks for sharing!
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  277. I hope you guys will be okay, so sad when you said: "and that's MY two cents"
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  278. Great Content. The amount of Financial Awareness i get from this channel has definitly changed my life view. Im just starting my life but I'm starting off good. Just 17 years old
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  279. If you're young and going to go into business with a friend...Get. EVERYTHING. In. Writing. Back it up. Record the signing. Everything. Lost a "best friend" and several years of my life because I didn't think my friend would ever screw me over and I didn't want to over complicate the business early on. Terrible idea. He made out like a bandit and all I made out with was the priceless experience that business and friendships don't mix.
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  280. Opened my Roth IRA last year at 26. Best decision ever! Thanks for covering this topic!
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  281. Not gonna lie. As an Aussie I knew this most likely wouldn’t apply to me , but I knew it would be a good video. Then I saw the pun counter and that confirmed that I had made the right choice by watching this
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  282. 😂 Those death puns were killer.
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  283. As someone who has been your customer recently, your fee was pretty hefty for a one time hour and a half. HOWEVER, the information you gave was SO helpful that I have already earned back the amount I paid and the peace of mind knowing I'm on the right track is so great. You're definitely worth your fee and if you raise it, like another comment said, maybe you could do free/lower fee consultations for lower income customers.
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  284. Y'all two are awesome! I get more financial advise from these videos then i ever got from my own family! Thanks! Keep up the great work!
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  285. I love this show. More power to 2Cents.
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  286. For somebody who has moved at least six times, these tips are really great! My family even uses some of them ourselves and they work really well! Thanks so much for sharing! :)
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  287. This early and not even notification squad #YouTubeIsMyLife
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  288. Just yesterday, my friend and I was talking about this. This video came at a great time! Thanks guys. Almost like you read my mind.
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  289. Absolutely love this channel, I learn more with every video!
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  290. They should be teaching these in schools
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  291. Thank you for this honest and candid video of the historical economic disparities that have taken place in this country. Denying certain groups a fair opportunity in real estate has resulted in many of them being denied the American dream of creating generational wealth. Unfortunately, the impact lasts for decades.
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  292. I love how the dept counselor is a nice demonette.
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  293. I have house rabbits, they cost me next to nothing for food as they eat my left over salad (being pescatarian I eat a lot of salad and it saves on waste) the vets cost my £70 a year for there vaccinations for both of them. And I also can forage in the local forest for treats for them. Biggest cost is the amount of electrical cables they chew up. Needed to bunny proof the flat with cable protector because they will chew anything they can get there teeth on but the love I get is totally worth it.
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  294. Honestly, I’ve learned more life skills from YouTube channels like this than in all my years of schooling. I really wish more people would take the time to seek this information out instead of complaining about how hard life is. Keep up the great work!!!
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  295. Who knew YouTube could be saving people's lives? We need more channels like this one.
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  296. I officially feel like a grown up now! Thanks Two Cents!
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  297. Whoever edits your thumbnail needs a high five.... anyways... Great video! I love watching videos about my eventual financial future. It gives me the satisfaction of planning ahead and is fun as well.
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  298. Low cost index funds are a recommended long term strategy. Trying to pick stocks still brings human emotions into it, and people are noticably bad at trying to time the market. #justmytwocents
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  299. This episode is... gold.
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  300. IM SUCH AN OSTRICH THANK YOU FOR CONGRATULATING ME ON BEING HERE :"(
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  301. 2:00 Yeah... It is pretty crazy how expensive weddings can be! Good thing we have Two Cents, or else...I just...I just can't even!
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  302. I love these guys. Sometimes, my high school algebra 2 students would ask to watch a Two Cents video as a reward for their hard work.
    152
  303. Please make a video on how to properly use a credit card
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  304. Congrats for the third cent!
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  305. Much like everything else in life MODERATION is the key!!!!!!!
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  306. The Dutch "IRS"'s slogan is (roughly translated): "We can't make it more fun, but we can make it easier." As an international sole propriety business owner, I only have to file two forms: EU One-Stop-Shop VAT sales and national VAT income/revenue. Takes about 45 minutes per year. Simple :)
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  307. I get so excited when it's time to RUN THE NUMBERS!!
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  308. I've learned more useful information by watching 3 of these video than I have learned in my entire high school education.
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  309. Is it wrong that I love seeing short sellers lose. 🤣
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  310. I'm so glad you discussed this topic! Too sick of those ads!
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  311. My dad got an email "hit man" scam once. The email claimed to be from a hit man who was hired to kill my father and hired by a close friend. For a small fee of $5,000- the hit man would not only not kill him but also tell my dad who hired the hit man. He was scared for a minute and I had to reassure him that it was just a scam. He asked me how I was so sure. I reminded him he had no friends. Also, I've have a deal for you. AUTHENTIC copper engravings of Abe Lincoln only $1. Just send a self addressed stamped envelope to blah blah blah and within 6 weeks you'll receive your AUTHENTIC engraving stamped with the date it was made.
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  312. Please please please talk about ETFs and the benefits and drawbacks vs Mutual Funds!
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  313. I always look forward to watching 2 cents. They should play this videos in high schools to get students interested in managing their finances
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  314. Julia looks like she's actually really scared of a depression, I mean who wouldnt.
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  315. Everyone should have a 3 month emergency fund for dual earner households or 6 month emergency fund for single earner households. It certainly calms my nerves to have one myself!
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  316. I’m a gold bug and thought this was fair. However I’d like them to explain why central banks of all the major countries have been buying record amounts of gold and repatriating their gold last few years
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  317. I think I’ll go start a Roth IRA now...
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  318. I still don't understand how people could dislike these videos...I can't, even if I wish to...I can't...
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  319. I'm actually doing better financially. I'm working from home, so I'm not dropping $300 per month feeding my gas guzzler.
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  320. Weird, this didn't show up in my youtube feed, I was just randomly wondering why I hadn't seen a two cents video in a while...
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  321. She's back, now the books are balanced! 2️⃣¢
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  322. Such a pity that YouTube doesn't have a "Love" button! This video deserves 3 of them!!!❤️❤️❤️
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  323. I'm getting used to the mustache.
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  324. This confirms the Fin YouTube Universe
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  325. When I was about 5 my family was dirt poor, There were some days we couldn’t eat some nights but now I am 14 and we have a decent amount of money and I am VERY grateful for it
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  326. I was actually thinking about this a few days ago well I definitely changed my mind now 😐 Scared the heck out of me
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  327. Great video, love all your work! As an educational creator with over 100K subscribers, I would add one more non-financial benefit: the benefit of helping people learn something (that I am sure you, as educational creators yourselves, share). When I created my channel, it was because there wasn't good content online educating people about philosophy, not because I ever thought I could make money doing it. It is still strange to me that YouTube wants to pay me for just doing something I love, and that mentality (treating it as a hobby, not letting the perfect be the enemy of the good) helps me not feel burnt out too often.
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  328. 4:23 "Marketing and Design" in Comic Sans? I see what you did there.
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  329. It’s really amazing how with every argument for one side, you would immediately counter it remaining very unbiased
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  330. crazy good channel.
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  331. Love your show guys. I learn a lot I wish you would post more videos.
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  332. You two are amongst my personal heroes. Thanks for tackling this and many other topics. Keep up the amazing content!
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  333. Engineer right here. That section nailed me perfectly.
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  334. 😂 omg, their teaching techniques are perfect! I love this channel I can't get enough
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  335. Never thought finance could be fun!
    119
  336. Nice... So far it seems to be generally usefull even to us not from the US.
    116
  337. Can't spell 2019 without 2 , happy new year to the mustache !
    116
  338. I'm in college now, but this video did more for my understanding of the fed in seven minutes than nine weeks in an AP Macro course. Bless you guys and the good work you're doing!
    115
  339. The true depressing part of this video is "You're an adult now, you might as well used to filling out tedious forms"
    114
  340. Two cents: Facing off hordes of Finance newbies Plain Bagel: "On your left."
    110
  341. In England, hating coins is like a national sport lol
    110
  342. The P.R. Ratio is a great way to look at things! My partner and I love you both so much: the visuals, advice, and easy-to-understand yet VERY important money saving topics y'all discuss are really appreciated! 💖💖
    108
  343. Well Peter Baelish is the master of coin. I trust him with my finances more than anyone else.
    107
  344. I love the outro, and I'm glad to hear you guys speaking out more for low-income people as a group. I've noticed as a 23-year old that there is a weird trend of friends/family implicitly blaming/resenting individuals for lacking "personal responsibility" in their actions, especially when my friends come from places of priviledge, and it's disturbing how we look at poor people because that "isn't our problem" or "I made it out fine" type of attitudes!
    106
  345. Philip's got a new tattoo? Looks good. 👀
    106
  346. Hahaha, the intro!!! You guys are the best! 😀😀😀
    105
  347. "Building a small business might feel daunting at first. But if you take your time, do your research and set things up right from day one, you'll be reaching your dreams before you know it." thank you for giving all of us hope for the future
    105
  348. he does what he wants, he's Ryan Gosling.
    105
  349. Great information, This ads are everywhere, laying to people that don't know their own finances. It's sad that a big bad wolf out there leaving Innocent people broke 😳. Great video. Please, beware and educate yourself, do your research as well to lead you in the right path for success. Thanks, 2 cent for sharing this video.👌🏽
    105
  350. I love this channel so much! I hope you guys grow exponentially & help many many people. From the bottom of my heart thank you and merry merry Christmas 😊🎄
    104
  351. 5:42 "Answering this question isn't usually solved by running the numbers." Aww, so no Run the Numbers section. Those are typically my favorite parts of these videos. In all seriousness, keep up the great work! I recently completed grad school and your content has been really helpful for preparing me for the real world! :D
    104
  352. Season 3 started! my life is complete Until I watch all of it and wait for season 4
    103
  353. How did you not do a collab with ask a mortician on this one?! You guys would make a great team with Caitlin!
    102
  354. This video will be my evidence when I try to convince those who say redlining is not a thing. You guys always produce top notch content, this is no exception
    102
  355. I was divorced about 19 years ago. I wish I would have watched this before I started the process, it's great information! By the way, marriage 1 lasted about 3.5 years. I'm currently very happily married and we are going on year 16 this year. Don't get too wrapped up on getting every penny of your share. Wrapping things on and moving on is a huge step to a better life. I didn't go to court at all and I'm very happy I didn't because then the lawyers are mostly the ones who get the money. *also* the start of the video was hilarious!
    102
  356. Are you husband and wife?
    101
  357. 1:28 that grammar flex
    101
  358. 2:40 Ted and his boyfriend. That made me smile. Thank you for the representation, two cents <3 Because gay people exist :)
    100
  359. I'm personally broke, but I'm very fortunate to have never been poor. If it wasn't for my family, I don't know where I'd be today.
    100
  360. People never believe me when I say renting can be a good option! Thanks Two Cents!!
    100
  361. Can't wait for this! 🤓
    100
  362. I credit Two Cents for taking the intimidation factor out of learning and getting involved in my financial life. I'm trying to get my co-workers to get involved with investing now cause I drifted into more content after binging you guys first. Thanks for being great teachers!
    100
  363. Thank you so much for posting this video! Home ownership has historically been a very difficult feat for POC and has contributed to a lack of generational wealth that still hurts non-white communities today
    99
  364. That would be sailling into the unknown. Maybe you discover a new continent and get rich, but most probably you'll reck your ship and lose everything.
    99
  365. I just went through my change drawer and found about $50 in dollar coins, and some Mexican coins from 1895 🤔
    99
  366. This channel is an hidden gem. Adds so much value.
    98
  367. I didn't know that a lot of couples argue about money, I've been married for almost 15 years now and I've never argued about money with my husband.
    98
  368. Scammers who take advantage of grief stricken pet owners are another one. My friends dog had gotten lost and posted about it on various media sites. She instantly got a bunch of respondents claiming they had the animal in question and were holding the pet ransom. Some even claimed that they would kill the dog if she didn't pay up. It was horrific to witness the emotional distress she went through.
    98
  369. Nonetheless, another awesome video. Best wishes for you three!
    97
  370. Making most needed topics.. As always. I would like to appreciate both of you for producing videos even during pregnancy.
    97
  371. 3:54 Using Mac OS with the Windows XP background? Please have my babies
    96
  372. lol the last three years of my life have been one of those "sprints" you speak of. It feels great to know that if contracting work dries up, I have income to fall back on
    96
  373. I agree with the couple's counseling idea. My wife and i have been going to one prior to even being engaged to help us communicate with each other more effectively. We go once a month unless we have something serious to work through then every 2 weeks. Also it provides for us a safe space to bring up anything and not feel a friend is being bias towards one or another if we were to have a friend mediate.
    96
  374. Damn you guys are gonna grow old together and be just a s happy as now being such pros at this 😁
    96
  375. Extra Credits also did a few great videos on the topic such as most whales not being kids but people going through a hard time, people not wanting to lose their top dog status or people with a dopamine craving. That being said video games themselves are not a true chemical addiction but a compulsion that a small but real percentage of the population struggles with. If anyone reading this is struggling with video game addiction i recommend watching extra credits video on and dont be hard on yourself life always welcomes you back with open arms. :)
    95
  376. I love that you also mark the passage of time by Harrison Ford movies! :)
    94
  377. You guys only have a few videos but it looks like you’ve been doing this for years. Definitely a good channel.
    93
  378. This is so refreshing. A lot of my colleagues who own businesses wish they could spend more time doing what they love and less time being the boss.
    93
  379. Still, breastfeeding might not be free, but its a LOT cheaper than formula, especially if you go for the top brand (Nestley, etc) which are ridiculously priced. Also, in my country lactation consultant is free. We had babies in 2 different provinces and in each one, we had nurses visiting at home just to check that everything was going well at the beginning and give us free stuff (mostly samples, but still) to help. I really find that US is behind most other developed countries when it comes to raising children.
    93
  380. I say try to keep your mind sharp and adaptable just in case your job isn't future proof
    93
  381. This is a really informative video. For people who are just being introduced to investing for retirement, you could also do another video comparing 401(k) to IRAs. Keep up the great work, guys!
    93
  382. I don't even know who disliked this episode? Like, there is literally nothing here from which you cannot learn something.
    93
  383. The script joke was really good.
    92
  384. Wow, this is probably my favorite PBS YouTube series so far. Hilarious and educational at the same time!
    92
  385. Love your content so far. I see this channel becoming a much cooler less old fart-y version of Dave Ramsey's thing. You've earned a subscriber with me and I'm planning to force feed all your videos to my friends.
    92
  386. Pausing at the start of the video to say: I love the fact that the "certified, pre-owned teleporter" looks like a Stargate! :D
    92
  387. Seriously loving the channel - both content and presentation (and presenters), and it only seems to be getting better. This was my top pick in the PBS annual survey for "New series I want to see" and I'm so glad with my past self :) Currently in the middle of a binge, only 3 more to go, keep 'em coming folks.
    92
  388.  @TwoCentsPBS  You're not fooling anyone with that fake mustache, Ryan!
    91
  389. This video should be show to high school student
    90
  390. Hey guys. Truly you both doing great job on every single video release. I really admire you both for the efforts tat is put in to share such thoughts which are realistic in life, and that awareness our money tat flushed from our pockets. Fantastic 👍 I use to spent money in college for clash of clans but now no much time for games. I spend quality time in researching more information which I am not aware about something to do with all countries news..
    90
  391. This couple is so sweet.. God bless these Two cents😇
    89
  392. I see millions of views in one year
    89
  393. Also, instead of Netflix you can get a free service though your library or sometimes your college if you’re a student or faculty
    88
  394. This video is rather useful for young people, thank you!
    88
  395. Love the common sense (cents), no nonsense, finance advice. I do hope this takes off! Keep it up 👍
    87
  396. This was excellent; loved the illustration.
    87
  397. I'm from the Caribbean, Trinidad and Tobago to be exact and I simply love your channel! It has taught me a lot despite certain rules being not applicable to where I live. Keep up the great work!
    87
  398. The bit at 6:03 .... what a sneaky way of saying - be an engineer I loved that bit!
    87
  399. Former life insurance salesman here. Only did it for 6 months. Even in training they don’t teach you how bad you’re scamming the people you’re selling to or really what it is you’re selling. They barely teach you the “good parts” of it. Took me a couple of months and getting my friends and family signed up for it that I began to realize what a horrible scam it was. I convinced all of my friends/family to cancel and just get basic term insurance with a different company. I stopped taking meetings after 4 months and actively looked for a different job the last two months. This video is amazing and I’m so glad that they showed easy and simply what a scam it is. Awesome job 2 Cents!!
    86
  400. I deleted all my social media, i dont miss it one bit, feels amazing
    86
  401. Mildly scared about the comments on this one >.>
    85
  402. It could be nice but what are we gonna do with all our time?! 😜 Would be nice to get away from the 9-5 early tho! Definitely possible! 👍
    85
  403. That intro, though 😂. I love your videos! One thing I found interesting when first learning about mutual funds was the way they make money and how that money is distributed to investors. -Akeiva
    83
  404. I love your animations they make the topic so much more interesting and understandable. Keep up the good work!
    83
  405. Congrats Julia and Philip....love your videos....Thanks For giving us TwoCents
    82
  406. PBS Eons got me here. Glad i'm here
    82
  407. Jay-Z and Beyonce
    82
  408. Two cents: Real estate for 100 Me: clicks at lightspeed
    82
  409. I was looking for a specific type of video and in my mind I was like "I won't click on another video no matter how tempting it is, not before watching the other video" but then I saw this two scents video... (It was too tempting) 😅
    81
  410. 2:33 Endowment effect = ‘a bird in the hand is worth two in the bush’?
    81
  411. Got a letter from my bank saying I’d get 10p for every £1,000 in my saving account 😂
    80
  412. This topic was very interesting and actually a question I wondered about. I like how you not only told what would happen but also gave another solution to the problem.
    80
  413. I love how true this stays to the experience of therapy. As a therapist myself, I appreciate when the process is destigmatized by showing what it’s really like — instead of what’s on TV. And I absolutely love the quip from Philip about how he was expecting advice and being told what to do. That’s not therapy and I’m glad you were able to experience it! Thank you to you for making this episode! And thank you to the therapist for doing good work that promotes us!
    80
  414.  @phooongtion  The market can remain irrational longer than you can stay solvent
    79
  415. Moving is a pain in the butt... This channel never fails to amaze well done guys😊👍
    79
  416. Data / Data is the tomato / tomato of the 21st century.
    79
  417. Julia's face when Phillip was explain good and bad debt 🤣 #priceless
    78
  418. Amazing videos as always.
    78
  419. Yes!! Another 2cents video!:)
    78
  420. Not just the video - even the COMMENTS are gold! Great stuff..
    78
  421. During the Great Depression, we also had 3 recessions in addition to the one that started the whole thing
    77
  422. Happy new year to you guys 🎉🎈
    76
  423. You guys are honestly one of my favorite youtube channels. You give the best advice and make saving money sound fun! Thank you :)
    75
  424. This Sparks Joy
    75
  425. This is what happens When online retails have a crush on you
    75
  426. We are in our mid 20’s and we gave up celebrating Christmas 4 years ago the holiday seemed random. And we are Christians too but we decided not to do the gift buying and all those things and decorating. Best choice we made 💕
    74
  427. Loved this one! As a CPA who works as a fee-only financial planner (CFP ®️ pending!), I appreciated the comprehensive explanation of what these roles do! -Akeiva
    73
  428. Thank you so much for posting this I was quite curious about it for a while...
    73
  429. Honestly this makes me way more grateful for all I have
    73
  430. I don't make much money (as in, I'm in the bottom income bracket in my country) and I give some money away because I really believe that money is cyclical. Sometimes, it needs to leave my hands. And I rest well knowing that it will come back to me in another way. . I have recurring monthly donations for two non-profits. I set aside a small amount that doesn't make me feel anxious, but makes me feel like I'm contributing. I also have small monthly donations to two of my favorite creators on Patreon. I budget for this money and it gets automatically deducted from my account so I never see it and I never miss it. . Then when the opportunity presents itself, if I meet someone on the street who needs money or if I come across a Go Fund Me in my community, I contribute to those on a one-time basis.
    72
  431. I love the creativity! Thank you for this! very informative. Advanced congratulations on having a million subs ♡
    72
  432. Your analogies are so amazing and creative! Perfect for people like me who need examples to understand something.
    72
  433. Guilty as charrrrrrrrrged. ; )
    72
  434. No questions, but damn, you two are my favorite celebrity couple.
    71
  435. The best channel on youtube is dropping music biz truth bombs.
    71
  436. That's why even though I have money people think I am broke. I don't flex on anything. My car isn't nice, I don't have nice furniture, my clothes aren't name brand. I have what I need and I don't care what others think.
    70
  437. The writer thing was brilliant.
    70
  438. I'm a car mechanic. Trust me, I love 5+ years old cars. They generate more income than 1-2 years old cars. At the ripe age of 5 years, you're really lucky if your car only need front wheel bearing replacement. Of course everything depends on how the owner treat his/her cars. But on average, at the age of 5 years, your car will start acting up. I advise buying 1-2 years old car.
    69
  439. This scenario helps me sympathize with those that do not want to lock down due to COVID. The renter would be able to provide for her family, and the landlord could also have an easier time searching for other sources of income. No easy answers here.
    69
  440. I KNEW IT! YOU ARE PREGNANT FROM THE LAST VIDEO!!! Congratulations! :DDDDDDDDDDDDD
    69
  441. We want a 2-cents pig piggy bank :D!
    69
  442. You both look beautiful together🤩
    68
  443. Amazing analysis, research, and details you've added in this video. Thank you and Congratulations!
    68
  444. Something we should all use cause no one is teaching us about them 😱
    67
  445.  @TwoCentsPBS  To be fair, to make a pun video not cheesy is sort of Mission: Impossible.
    67
  446. THIS IS THE BEST TWO CENTS VIDEO.
    67
  447. Among my many books on finance, I have a small section reserved for couples finance (for the 0 girlfriends I've had in the past 6 years but still, one day!). I can't recommend enough one book called The Heart of Money. It was a fantastic glimpse into much of what went on in this video. (I audibly giggled when Julia stepped off the little crate. Never thought about the 'movie magic' that goes into episodes before!) As an aside, as someone who grew up relatively upper middle class but whose only girlfriend had parents very much in the 1% (lovely people!), it took a lot for me to realize money didn't make them bad and that I was simply jealous of what she had that I didn't. I accepted that it's easy for me to be self-serving and rapacious and that my overwhelmingly logical non-emotional brain needs to be taught to think of others too. But it's a skill I can adapt just like any other. The Corona virus has taught me all the fun things money can buy mean little without the company to share them with.
    66
  448. I am an 18 year old that just found your channel through the college video and it's honestly one of the best channels I have found in a long while. There is something about your videos that's just so cute it just makes me happy.
    66
  449. Guys! Great video as always!!
    66
  450. I had "trust" after watching the very first video
    65
  451. @6:47 spending $1,295 on Girl Scout cookies seems to be about right 😂
    65
  452. The channel is becoming so good and popular that i am proud to be among the first 1000 viewers of this video. :)
    65
  453. I like the ending credits, thats a good idea :)
    64
  454. Excited for this! As much as I love Two Cents, Plain Bagel has the Canadian perspective I need. Would be interested to see the two channels discuss this similarities/differences between the two countries finance systems
    64
  455. OMG I love this channel; The quality and content of the videos are so good
    63
  456. This level of vulnerability is inspirational!
    63
  457. How on Earth do you guys not have millions of subscribers?
    63
  458. BUT I GOT A GREAT STOCK TIP IN THE LOCKER ROOM AT THE REC CENTER!!
    63
  459. I absolutely love and trust this channel
    63
  460. I was just thinking about this literally 2 minutes ago before I went on my 15 minute break. Decided to see what was going on, on YouTube and bam got this on my feed . I guess 2 cents read minds now 😱
    62
  461. I'M OBSESSED WITH THIS CHANNEL!!
    62
  462. Thank you guys so much for making it simple to understand, hopefully more people understand its easier for some to "pull themselves up by the bootstraps" than others.
    62
  463. Penny-wise and pound-foolish :(
    62
  464. Customers... I mean - students. lol doooooone!!!
    61
  465. Great content as usual.
    61
  466. The daily morning coffee shop coffee (or worse - paired with the daily afternoon coffee shop coffee break) is a killer! I was so happy when I bought myself a travel mug and started making my daily coffee at home. I also started drinking water and NOT buying a drink with my lunch. It adds up!
    60
  467. I'm a Hoarder and proud of it! When I see Moguls, I like to take a guess at how much debt they have. One day I'll be brave enough to actually ask one.
    59
  468.  @TwoCentsPBS  You're welcome and congratulations on the baby. Everything you talk about applies to everyone, everyday. There is no politics or sugar coating just plan facts. If more kids where educated in this everyday finance, the world would be a better place for everyone.
    58
  469. This will strengthen your marriage and it's sad that most marriages get no where near addressing these thoughts and issues.
    58
  470. Always appreciate your rational analysis. Great work, keep it coming.
    58
  471. We have a "giving" section in our budget. It forces us to ask, "are we giving enough?" each time we do our budget. My wife is more generous than I am, so I try to defer to her :)
    57
  472. Thanks for being willing to talk about this. Seriously.
    57
  473. This guy looks like the younger brother of the Art of Manliness dude
    57
  474. Pretty new to this channel. I find you to be THE BEST CHANNEL on breaking down the most complex financial topics with facts and translating them into our everyday language. Outstanding job!
    57
  475. the last time i came this early the 1929 crash was not a thing
    56
  476. Investments seem so scary and far away but as it is with every Two Cents video, it is so much clearer and makes everything make sense.
    56
  477. Pbs eons brought me here
    56
  478. I would love to see a video about the cost of owning a used vehicle vs a new vehicle. Is it worth going with the cheapest new car or a used car for about the same price? Or is it worth spending the extra money on a more expensive new car? Love your videos! You're filling the gap that school doesn't fill AT ALL!
    55
  479. This is my new favourite show❤
    55
  480. Short selling turns the investment chart on its head. Literally. Because your gain is their loss, and vice-versa. You have the "potential for infinite losses", but only a potential for finite gain. Because a stock can only go down to 0, you can only gain up to a certain amount.
    54
  481. This is all true. Having started a business myself, I've dipped my toes in all of those area. CFO, Marketing, HR, etc... I have 2 other partners so that made it a little bit manageable. On top of time management, the key is to keep learning and be willing to listen to people who are experts in some of the areas you're not good at.
    53
  482. I literally sat there and saw that it was $5 either way, but immediately said no to walking for the laptop. That blew my mind. Please keep making these videos, they are going to be so helpful as I try to get my life in order money wise.
    53
  483. Two Cents saving our cents! Thanks 😊
    53
  484. My Wife and I are seriously looking at this decision right now. Thanks, I love yall's show!
    53
  485. Love your videos. Each one is so helpful! Some of us dream about buying an acreage out in a small town somewhere to live self sufficiencly and semi off-grid, maybe even a permaculture. Can you do a video on that please? Could one quit the 9-5’s and retire early?
    52
  486. Thank you, thank you. I was not taught or shown how to be financially successful. I have been using this to help my sons earn their Boy Scout Personal Management Merit Badge and learning a lot too. Thank you. So much.
    51
  487. I laughed out loud at the intro. Got a Thumbs up just because of that!!!
    51
  488. Here’s a quote : “price can remain irrational longer than you remain solvent.”
    51
  489. My Black Friday this year: buying one bag of milk for R$2 (0,50 USD).
    51
  490. As a musician who has had over 80 gigs cancelled, I appreciate y'all. 💚
    50
  491. Mustache guy is a cutie
    50
  492. See this is what I love about Two Cents you guys make finacial health and education so real and tangible instead of hoping a random textbook anecdote would suffice
    50
  493. I literally looked this up yesterday and watched plain bagels explanation. Can't wait for this! Cause I got about half of it.. I think
    50
  494. This episode hit so hard. Thank you for this. Let's keep the conversation going and let's make change for the greater good of our society.
    49
  495. Good and bad are probably overly simplistic way of looking at it... but i look at debt life fire... it can warm your house in the winter or it can burn it down
    49
  496. Please do a video on what I need to do/know how if want to move out of my parents house and into my own place!
    49
  497. Loving Tia and Tamara 🤣
    48
  498. I genuinely like this couple. It's a synchronous choreography of economic knowledge delivery.
    48
  499. Your budget plans are so neat and organized, they bring tears to my eyes.
    47
  500. Flying is just a bus in the sky. I don't expect something fabulous riding a bus on the ground - not in the sky either. I'm fairly pleased with most of the flying experiences I've had, considering I'm just "taking the bus".
    47
  501. First things first thank you. Thank you so much for diving into this and being unbiased as possible. I have been asking the question personally for some time how much and how far has racism effected African Americans. This helps and encourages me to do better. Thank you.
    46
  502. Still rooting for a crossover of “two cents” and “Dave Ramsey”.
    46
  503. Both of you complement each other. You are one of my favourite couples. Hope you come back together soon.
    46
  504. The one thing that has helped me climb from being penniless is my social connections. Without the people in my life who are affluent enough to share guidance in my career, finances and other life choices, I'd still be trapped by the excessive expense of being poor. still I'm terrified of getting stuck in that situation again. Unregulated capitalism is a predator that preys on the poor.
    45
  505. I own a small marketing agency and the low price = low quality price mentality is definitely true. When we raised our prices, we actually got more inquiries and a few new clients.
    45
  506. While I totally agree (because healthcare and drug prices are VERY ridiculous and nobody's doing anything about it so they can keep benefiting) I also don't think it's Two Cents' place to call it out. Their channel is more focused on what we can do as normal people since we can control what we save and spend. Of course, bringing awareness to policy issues is important, but then it causes people to grow complacent as it "isn't their fault." We do what we can I guess, but it definitely is messed up.
    45
  507. Really great tips to help us all buckle down and get through these difficult times. 👍🏾
    44
  508. First! This channel is awesome, and not being old enough to have a credit card this video is really great in explaining them! I'm always looking forward to the next video this channel post! I love the graphics and the script! It mixes entertainment and information! Now I know all about Credit Scores!
    44
  509. I usually add up the items prices' in my head so I can have exact change ready at check out. But given that in the US the sales tax is not yet reflected in the price advertised, that doensn't seem like a viable option for American. And greetings from Europe, btw.
    44
  510. They’re husband and wife, I never knew
    44
  511. wow, i never expect to see that title on youtube, more so this channel !!! thanks 2¢, learning is my drug :)
    43
  512. You guys educate me more than my school and college combined ❤️ I absolutely adore you guys❤️
    43
  513. That's why I have a bicycle!
    43
  514. My IRA never has a clogged sewer main, unlike my real estate investments. Thanks for the video.
    43
  515. I haven't watched the video till the end... Am so happy to see you're doing well Julia. Thank God for good health.
    43
  516. The night before Christmas is one of my favorite poems and I was really fascinated when I found out it helped encourage the idea of gift-giving during the holidays! Thanks for this cool info!
    42
  517. I congratulate you both... Stay smiling.. You know whenever I'm a little stressed, I watch their videos it makes me smile... God bless you 😇👍👍
    42
  518. "what's that?" "Early retirement baby! Bam!"
    42
  519. You make understanding finances so much easier. I am still a teen but i am definitely going to implement these things in the future.
    42
  520. Favorite. Two. Cents. Video. EVER. And not just cause of the puns.
    41
  521. This was so humble and I respect the hell out of it.
    41
  522. Need to make this a required video for aspiring creators to make informed decisions.
    41
  523. Two Cents I feel like every high schooler should watch your videos! You guys truly talk about finance and the how the big world works. Sadly to say, high school doesn’t even bother teaching the kids the important things.
    41
  524. It's really funny because I know all of these brands and I know all of them for the fact they are old and failures. It's hard to tell what starter companies will be huge-amazon-successes or companies-that-fall-a-bit-short. This video gives you a bit more perspective on what investments are better for your portfolio.
    41
  525. Wow! This looks really cool! It was so interesting, looks challenging, but interesting! I didn't even know that this was a thing and now, I know that it's not only a thing, but possible! ( Also, If I could retire early I would travel to the all of the National Parks! )
    41
  526. Geographic flexibility is very important.
    41
  527. Thanks 😊 Definitely waiting for this video. Keep up the good work!
    40
  528. Love your videos!! Can you do a video explaining employee stock purchase plans? I get it as a benefit for working for my employer and I just don’t know how it exactly works! Thank you!
    40
  529. As a mental health social worker and fellow human being, I appreciate the level of openness/"self" you both shared in this video...thank you!
    40
  530. I've said it before but you're rocking that moustache!
    40
  531. Great video! Can you guys also do one episode regarding medical bill (deductible/allowable and copay)?
    39
  532. Another excellent video that everyone should be aware of.
    39
  533. This episode was by far one of the cutest ones. I love it!
    39
  534. This video is great, I work in the insurance business and I tell people the same thing. You can't afford not to have insurance. I've seen so many people cancel their policies because they don't use them and bam, something bad happens and they're screwed. It sucks that it's so expensive but there's nothing we can do about it. If you can't afford major medical at least get something like Aflac that can pay you for accidents, hospital stays and cancer. Hell ask your employer to look into them and offer them at work (doesn't cost the business anything) because the rates are almost half off when they are through an employer and not bought directly.
    39
  535.  @TwoCentsPBS  lets just say, there are many who flatter me.
    39
  536. I'm here in my garage, gaining your KNAWLEDGE. Thank you for all you guys do!
    38
  537. Interesting use of the flipper sound for the racoon :) Great video guys thanks!
    38
  538. Youtube's REAL best couple coming to give us that sweet knowledge once again.
    38
  539. Being a mariner, This was so pleasing to watch as you portrayed everything so accurately!
    38
  540. 0:50 Oh man, that banana got me good. Haha. Almost fell off my chair.
    38
  541. Y’all had a good time with those puns. So did I! 😄
    38
  542. Another name for what Tamera did in this video is BTID: Buy Term, Invest the Difference. Term insurance IS cheaper since there is no investment component (where there are fund managers in place to manage that, and of course there are fees, like in Tia's case). Awesome video, you killed it in the commercial Philip! 🤣
    38
  543. I've got my local charities that I give to. These people give up any form of work to help other, less fortunate people and animals. They dedicate their life to it and they are the ones I deem most deserving of my donations. I've stopped giving to big charities a long time ago. There are people in my community doing better work!
    37
  544. Please keep the videos coming. Would love the tips on how to grow money as well. Investment tips😉
    37
  545. Good way to explain both methods! What about brain hacks to avoid the D-word in the first place in a future video?
    37
  546. easiest shoot of the year for Phillip
    37
  547. Love these videos! Also the intro with the piggy bank is amazing 😂 Also, Serving up Science is an older channel? The latest video is a year ago :'(
    37
  548. would love to see an episode on the 401k's cousin - the 403b. I'm especially interested in the many problems with them like annuities, high fees, and non-transparent high pressure sales agents. I'm trying to learn more, but it's really hard!
    37
  549. Wow so much truth in this video. My wife and I paid for our wedding in full (no debt) by doing a lot of these things. We called in a lot of favors. We made sure to value what was most important, and we set a budget and stuck to it. Our wedding was less than $5000 and had everything we wanted. I personally think photos are the one thing you should not skimp on, because in the end they are ALL you will have to remember your wedding. That day was such a blur that if we didn't have the photos we'd have missed so much.
    36
  550.  @TwoCentsPBS  definitely pet rock is cheapest option. Doesn't eat nor drink and all you have to do is dust it off sometimes :P
    36
  551. Dang, did you throw it in Atlantis Morissette reference? Wow, I'm impressed, lol So subtle, and yet such a zing
    36
  552. Going through my feed and skipped through the new vox video but tapped on the new 2¢ video. Keep doing the good work!
    35
  553. Even though I'm not an American but this channel is worth subscribing. And ya ! don't forget to hit that bell icon. Edit : I'm a real estate developer based in Central India and most of these processes are kind of similar here.
    35
  554. Thank you for your incredible content. I've become more budget-concious since I started watching your content. Thanks again Phil and Julia! <3
    35
  555. Awww, so the Dad jokes have gotten started. 😂
    34
  556. I really love how you guys broke this down so clear. Broke down different types and such. This is the best I’ve seen so far. Thanks.
    34
  557. Man, I loved that post-episode Q&A section! Also, I'm sorry but it's obviously pronounced Data. Anyone who pronounces it as Data instead is wrong.
    34
  558. Next Topic - “No job, Little deposit , health threat ...... what my next step 😞 “ ?
    34
  559. Just after 3:47, you can see Philip twitch in anticipation of his cue to say data.
    34
  560. I have followed your channel for a while, it has helped me in ways you can't imagine. But this one hit a little closer to home. The #3 way is in fact the best way to support an artist. I am working on an album, my first one, I will dedicate a song to you guys :3
    34
  561. I can't believe I'm late.. the is so helpful I can't get over it
    34
  562. Bruh. I was just watching Graham Stephen's video about how he had to eveict a tenant. Then your notification popped up. btw love your videos super informational and helpfull, though I am 13. Love from Pakistan
    33
  563. You guys made some killer death jokes.
    33
  564. U have crossed 200k subs!
    32
  565. Notification squad unite!
    32
  566. What about nursing majors?
    32
  567. The first story about shorting is the most hilarious, yet accurate one Ive ever heard 😂😂😂
    32
  568. Glad to see Plain Bagel featured here! Good collab!
    32
  569. This reminds me of that funny post about someone who bought a toilet seat and then started getting ads everywhere about buying more toilet seats. They captioned it like, "I'm don't have some strange addiction to them. Who buys toilet seats on whim?"
    32
  570. I am one of the few lucky professional musician who's doing an élitaire job and was safe and sound during this Covid19 disaster: I have a permanent position in a choir in Austria, and my salary was guaranteed, even though a bit reduced. Still, I have a YouTube channel where I make my music (come and visit) AND started to invest in dividend stock. Musicians, like for all jobs, must make ends meet and diversify their source of income ;)
    32
  571. FINALLY! A breath of fresh air in the practical financial advice space! Keep it coming two cents!
    31
  572. This came out just in time for me. I am thinking about starting my own business.
    31
  573. This is an amazing video, I'm so happy I'm a subscriber
    31
  574. Thanks for explaining why the fetishization of gold is misguided.
    31
  575. Why y’all do Aunt Sharron like that?! 😂
    31
  576. I'm Jewish. It's off-topic from this video, but I just wanted to comment that Hanukah is a minor holiday. It's not even in the Torah (or the Old Testament, as Christians would call it). The "getting a present every day for eight days" thing is an American invention. It started because Little Johnny and Susie Jew got jealous of their Christian friends. As a kid, I didn't get presents for Hanukah, because it's indirectly celebrating Christmas, which has pagan-y origins, as described in this video. There is a biblical holiday called Purim, based on the Book of Esther, where children get gifts. Just wanted to share this info with any of you guys who are curious about other religions.
    31
  577. THIS VIDEO. This video could not have come at a better time. Just graduated from masters and have to deal with all of this now. Biggest thanks AND regret is that they've spoiled me, helped me through everything. I used to think I was independent but now I feel more dependent than ever and my parents are getting old. I'm struggling to give up the time I have (to work and hustle which btw, a crucial time to work because schoold don't give you a life, you CHASE IT on your own) to take care of my parents (Which... coming from a very conservative Korean family, they sort of expect it). I need to rethink everything and work everything out. Being mindful about financial things have been the most stress-relieving thing ever. And this video was a big help. Thank you.
    31
  578. I really appreciate this video. It’s factual, educational, and informative without demonizing the upper or lower class.
    30
  579.  @TwoCentsPBS  OMG! Allright, I'll do that! Thank you for your work!
    30
  580. You guys are doing so well. Keep it up!
    30
  581. Teachers need to use these videos in class.
    30
  582. Great video and a great subject. I love how diverse your content is. Talking of inflation, it's interesting to mention how trade restrictions affect poor people disproportionally. I remember reading an Obama-era white house report stating that trade increased the purchasing power of lower-income households by over 60% while it increased the purchasing power of higher-income households by only 3% so Trump's current trade restrictions are doing nothing more but harming the poorest.
    30
  583. I think this was one of your best videos yet. Good job guys. I think you should have expanded a little bit on why it is beneficial to max out a Roth when you are young since most people don't understand taxes. For all the youngins out there, you're probably in the lowest tax bracket that you will ever be in (~10-20%) right now. When you are at retirement age, you will more than likely be making much more and in a higher bracket. i.e. pay less tax now instead of the future. This is the opposite of your 401(k) that is funded through pre-tax dollars, so when you're mid-career and are in a higher tax bracket than you will be in at retirement you want to focus on the 401(k) first and then your Roth second. But for now, Roth first, 401(k) second. Also, look into a Roth 401(k) and see if that would be better suited for your situation.
    30
  584. I think we all needed this, not only just for the information but also as a reminder that we aren't in this alone and some people have it worse than us.
    30
  585. Check out Ben Felix on YouTube, he has amazing evidence-based videos on index investing. Can't recommend him enough
    30
  586. When calculating price or profit margins using your costs as a basis, too many people forget customer acquisition cost when they plan out their business pricing strategy.
    30
  587. Great Video :). Would love to understand the economics behind black friday too if you can ever make a video on how it's profitable for companies it would be great. ty for reading.
    30
  588. Why this channel doesn't have at least 1 million subs, i just don't understand
    29
  589. I love these guys. I’m a mix of hoarder and ostrich.
    29
  590. Honestly, this is such an important yet underrated channel! Another great and informative video. Thanks guys!
    29
  591. I had no idea the Dow was so few companies. I thought it was thousands! Seems much less relevant now. I'd like to see a video about insurance. I've heard all kinds of insurances I'm supposed to have, but it's hard to wrap my mind around which are the most important. Love your channel, keep up the great work you're doing!
    29
  592. As a person from Africa... You guys should be greatful. Great video
    29
  593. I always stick to my frugal lifestyle when asked to contribute to Patreons. But I love you guys too much. I'm gonna do it. Consider yourselves patronized.
    29
  594. I got nothing to add but I got to say this: love you guys! You guys are awesome! :)
    29
  595. Every year, I get better at my job. Each hour of my labor has more intrinsic value. I expect a commensurate increase in compensation. There's nothing wrong with telling your boss that you deserve to be recognized for your productivity. (Even if that conversation is only happening in a mirror.)
    28
  596. I love you Two Cents! <3
    28
  597. Very eye opening. I genuinely learned heaps watching this. I thought I understood, but this doubled what I knew
    28
  598. I'm already dying at the thumbnail 🤣
    28
  599. The stats mentioned in this video about “missing the best trading days” is very helpful. Never heard that one before. Thanks for posting the video.
    27
  600. U guys are awesome. I love the way you present the things. <3
    27
  601. I cried. I tend to shove the painful memories of financial struggles away. This opened my eyes a lot that it’s okay to talk about it. Thanks Two Cents! You guys are amazing!
    27
  602. What age group is this show aimed at? The topic feels like 16+ but the presentation feels dumbed down. As an universety student I like the show, but I feel like I am watching something for kids/teens, not young adults.
    27
  603. Wow! My current goal is to have a dinner and long lasting conversation with Two Cents!
    27
  604. Being proactive is huge, and it's something I'm not great at when it comes to asking for things. I've been getting better, though. Just last week my apartment was going to raise my rent my $90/mo. when I renewed my lease, and I asked them for a better rate. They ended up not raising it at all. All it took was a single email. The ten minutes it took me to write that email saved me $1,080 in the upcoming year.
    26
  605. A hopeful video in an age of fear mongering. I always appreciate a video from Two Cents!
    26
  606. This is so incredibly valuable, really wish I'd had this information when dealing with debt collectors. Thank you for sharing this so other people can benefit. :)
    26
  607. 10%, auto-pay. It's treated just like any other bill in our budget. That makes it an easier pill to swallow each month
    25
  608. I'd be curious as to your thoughts on robo-investing companies? I'm personally with Wealthify (I'm UK based), but I'm guessing you'll have similar companies across the pond that general thoughts would also apply to.
    25
  609. You are accurate when saying that the ancient name of the piggy was "puggi". That's a greek word for a coin purse. You did your homework (as usual) in the best way!
    25
  610. Y’all were put in my life for a reason. Keep it up
    25
  611. This is just too good I love it soo much everytime I watch a video here I learn something very useful it's wonderful I haven't stopped telling my friends and family about you guys and telling them to look you guys up to help them this is too useful to go to waste
    25
  612. This video is fantastic! There is so much great information here, thank you!
    25
  613. When i watch a two cents video, i feel like i gain some IQ points
    25
  614. Aww, I liked Uncle Olav :<
    25
  615. RUN THE NUMBERS !!!!! LETS GOOOOOOOOOOOOO !!!!!!!!!!!!!!!
    25
  616. Came for the comments, was not disappointed.
    25
  617. I rely on you guys so much and I don't even live in the US!
    24
  618. OMG MY FAVOURITE CHANNEL ON YOUTUBE NOW TALKING ABOUT MY CAREER. CAN I LOVE YOU GUYS MORE?
    24
  619. This is the best youtube channel. They should show it in high schools.
    24
  620. You guys have TOO MUCH fun with your thumbnails! LOL
    24
  621. I love your hair like that! Glad you're feeling better!
    24
  622. Thought you drove a Honda but just didn’t talk about it? “For I did not speak of my own accord”-John 12:49
    24
  623. Taylor B. I thought I was the only one that felt sad.
    24
  624. This is mindblowing. Going to check my usage ASAP!
    24
  625. Good video, but in the interest of a more uplifting note (and also, you know, helping others) could you also share some ideas on how best (most efficiently) to help people out of the poverty trap?
    24
  626. I plan on showing these to my Econ students in the coming weeks.
    24
  627. You two are my YouTube parents I never had. You can't divorce! 😁
    24
  628. You guys are so cute together
    23
  629. They were NOT wrong about India at all. Most good restaurants in India charge 10% service charge which is included in the bill. Any tips on top of that is on the discretion of the customer. And that is exactly what they said.
    23
  630. The puns in this video reached "oh god, mom and dad! GET OUT OF MY ROOM!" level, but with the underlying tone of parents who actually genuinely care. I may have cringed, but I will be damned if I donʻt acknowledge the above and beyond amount of effort put into this video.
    23
  631. Y’all are definitely invited to the cookout ✊🏽✊🏽✊🏽. Thanks for bringing this to light. My wife and I have already bought 2 homes and we want to educate people on the power of owning land.
    23
  632. You guys make great, helpful and informative videos. Plus you look like those two from The Notebook.
    23
  633. This video just made me more aware of how bad I am with money
    23
  634. Survey filled! This is the most reliable financial education resource on the planet for me and my family of four. Keep up the great work. Thank you 🙏
    23
  635. This topic has interested me for so long. Thank you for making a video on it!
    23
  636. I love this show
    23
  637. This has got to be among your best episodes to date. For the longest time, I made it a point to minimize my emotional involvement in handling financial. I never would've thought that finances can deeply tie into our mental health, yet most of the time I have friends who are a wreck for exactly this reason.
    23
  638. Tipping is very interesting and when you think about kinda weird practice. I didn't even know about its history and why we do it! This video was so interesting and it explains something that I have always wondered about.
    22
  639. "helpless passenger of the hot mess express" is a great phrase ahaha
    22
  640. Love this channel so much. Some things I knew and some I didn't. But until now I couldn't effectively communicate any of it. Thank you!
    22
  641. Wow, what a video. I live in Sweden and we are the best in the world at collecting taxes. Declaring here only takes 5 minutes because the government does all the leg work for us. We have progressive taxes because it is the best and the most fair! Those who earn the most have most left in the wallet, of course! They also have the best opportunities to contribute to everyone's common welfare and thus pay the most in taxes. Also, the money is much more evenly distributed to the people. Healthcare, education, etc. is free for everyone, no matter how much you (or your parents) earn. Go Sweden!
    22
  642. I went through debt hell a few years ago, and it was the scariest experience of my life. I actually went through all 4 levels - I finally got a summons for a bill, and ended up declaring bankruptcy. Even though it sucked, ultimately declaring bankruptcy was a fresh start I needed. I don't borrow anymore, although if I were to get sick again, I'd be in trouble.
    22
  643. Congratulations!!! We are so happy for you
    22
  644. Search julia olsen in youtube and you'll find some
    22
  645. I wish I had this show when I was young
    22
  646. Very informative and entertaining channel, great job you are doing
    22
  647. Love you guys. Julia you look and sound better. Keep the financial advice coming.
    22
  648. Always love your videos and advise 😊
    22
  649. So...things are bad, they will probably get better, then almost certainly get bad again at some point down the road.
    22
  650. I asked PBS for more funding for this channel on the quiz you give us a few months ago lmao
    22
  651. Good topic and really good editing 👍
    21
  652. I am a fraud investigator for an MLM company. I would have added the cashier check scam to this list. That is the most common and effective scam I see on a daily basis. The scammer will want to order product from one of our contractors, says that they don't have or use a bank, asks if a cashiers check is fine, gathers all of the sellers personal info, and mails them a fake cashiers check for almost twice the amount of the products price. When the seller goes to cash the check, it bounces, and then the seller is responsible for the $1000 fake check they just attempted to cash.
    21
  653. This channel is gonna change a lot of lives, I can feel it
    21
  654. There were a LOT of ways to get puns into this video! 23 is a high number!
    21
  655. This should all be taught in elementary school! Great channel💞💞💞💞💞💞💞💞
    21
  656. Omg Chelsea from TFD?!?! It's like a merger of the 2 best financial channels on YouTube!!! Love u 3 <3
    21
  657. It really works! Paid off my credit card today, feeling awesome! Now it's the student loans that are being a giant monster to be managed! Thanks guys!
    21
  658. I knew that banks are unfair to the poor, but I didn't know it was this bad. Seriously, 3 USD for an out of bank withdrawal fee?! You could eat a meal with that money.
    21
  659. Finally a video that tells you how to setup a business in a concise manner! Other videos are too lengthy or doesn't explain all of it so nicely. Let alone the state government's website which was no help and more like a maze.
    21
  660. I love the amount of effort and care that goes into these videos. Please, keep it up!
    20
  661. Use adblockers in your browser. Use Firefox if you want to setup containers for different types of websites. The cookies can't follow you out of the container but you can still stay signed in. Or use Brave if you want adblocking built in or option to receive different ads so websites can still get paid.
    20
  662. I love the simplicity of index investing. From buying to selling all from your own home within minutes.
    20
  663. Your animations are always so on point 👌 Thanks for the tips!
    20
  664. I still can't get my head around paying for a Dr visit. No matter how many times I hear about the US healthcare system
    20
  665. You guys are amazing...keep up the good work.
    20
  666. You guys have a knack for explaining complicated stuff! As a teacher, I admire that so much!
    20
  667. The perfect collaboration 🤩
    20
  668. I missed you guys and you’ve helped me through out this tough year.$45 for unlimited data at 22GB unthrottled the rest potentially throttled . I’m an essential worker but don’t stay on site for lunch and breaks. I kept upping my data and using 19Gb-25GB months to month. So it saved me to just go for $45 a month prepaid instead of paying $25/$35+$10+$10+$10. $55/$65 vs $45. I ended saving more and getting more. I follow forums for finding the best prices year round. Love you guys and stay safe with you and your family!
    20
  669. Two of the best finance channels on YouTube teaming up? Financial illiteracy won't stand a chance 😁
    19
  670. And I value your two cents! Happy New Year!
    19
  671. Really captures the struggles most probably don't think about. It's great that you made this video. Good luck everyone.
    19
  672. I am not 100% sure if you already did made a video about avoiding Impuls buying. Maybe an interesting topic with some othe themes in one episode of money saving. Me for example: I keep a list of things I would like to have and one month later I look if I still need/want them. It saving me a lot of cash and living space :D btw I am from Germany and a huge fan of your show and I wish all the best for the upcoming challenges but on the financial side there is everything in good hands I guess ;]
    19
  673. Fantastic video. I really appreciated the Chemistry part. I never realized how few viable precious metals there where because I think of each Element with great esteem.
    19
  674. I really appreciate your videos, the content is just amazing always looking for your videos and am making baby steps to escape the pay check to pay check trap and have more time for my family and which really means a lot to me and to enjoy the natures of the world. 💖
    19
  675. Great video Very informative and simplified.
    19
  676. Never knew about the PR ratio. That is extremely useful, thank you. PS: the PR ratio in my area is around 20.
    19
  677. Your videos are so easy to digest, even though I've learnt all this is my economics courses, the way you guys contextualise it to real world events and explain its use for saving and investing really helps put things in perspective. Thank you so much!
    19
  678. if you get hooked on positive reinforcement, what happens when you finish the game? Wouldnt you seek out more of the same to restart it?
    19
  679. 5:37 just like how this show is doing to my time🤣😂🤣
    19
  680. DO MORE VIDEOS ON THIS TOPIC PLEASE!!
    19
  681. Appealing to broader range of people is a good thing. Means more people get the opportunity of learning even if at an entry level.
    19
  682. Mogul here ... rethinking how I'm going to spend my weekends
    19
  683. My first investment: I’m lucky enough to come from a family willing to talk and instruct me on finances, so when I got my first real job at 16, my dad offered up the option of starting a Roth IRA with all that extra money. That IRA now holds over $10k and it’s only been a few years.
    19
  684. I'm so grateful for how positive and uplifting your posts are! I know this is primarily a financial literacy channel, but in some ways this is a relationship channel. And it's good to see people in this world getting along and being supportive of each other. You help restore my faith in humanity. I know you're just being you, but keep it up and know you make a difference in this world!
    18
  685. I still love this channel and will continue to watch, but I feel like your political bias is showing lately, lol. You could have included in this video the fact that conservatives tend to give more to charity than liberals, but you didn’t.
    18
  686. You guys rock it in every video!
    18
  687. I had never even heard of the DOW before this video... maybe cause I'm only 13, Now I know a lot of interesting things about it!
    18
  688. I LOVED LOVED LOVED this episode! LOVED it! It feels so REFRESHING to see something like that, I wish it lasted way longer! Thank you! And of course you should charge more, you bring so much value!
    18
  689. Yes please! I work for a restaurant company and we're still open. Thank God for the people that order, and even though we don't have that much money to spend, my family and I are trying to order take out once a week from small businesses to help. ♡ Really thank you SO much for this videos, this is what we need right now. Keep it up. Greetings from Huntington beach CA.
    18
  690. They deliver excellent messages beautifully making the world just a little better for those who listen.
    18
  691. Your channel is the best ❤️❤️
    18
  692. Thank you guys for doing this 😂 I've been asking for the past few episodes for you to make one about this topic!
    17
  693. Notification squad reporting in.
    17
  694.  @leilanidru7506  as they mentioned in the video. It's all about compounding. The earlier you start, the more your money will grow in the long run.
    17
  695. We were able to get some term life insurance past year on the recommend of our FA. It was stupid cheap and really easy
    17
  696. 2:02 shouldn't it be a .gov site since its government run?
    17
  697. 50 views, 50 likes
    17
  698. Couldn't have come at a better time.. I will be moving in a month and though iam from India some of the ideas/ suggestions will come in handy..
    17
  699. This series is AMAZING! Please keep doing it!
    17
  700. Great video again from the best Youtube video host duo!
    17
  701. My wife and I sometimes order a single entree and share it. It's plenty of food for both of us, and way cheaper.
    17
  702. Everyone please remember, those salaries are not only averages of salaries in that field, but national averages as well. If you live in a high cost of living area such as New England or the West Coast, you will make more than that amount listed. If you live in a low cost of living area, such as rural central states, you will make less than the amount listed. However, even though you make less in a rural state, you will actually have more disposable income since you have lower expenses and much lower taxes. Remember, you can afford a lot more when you only pay $500 for rent in Iowa for a 1,000 square foot apartment compared to $2,000 in San Francisco for a 500 square foot apartment.
    17
  703. Credit unions solved a lot of my issues
    17
  704. You are the best. The topics you pick are very important and to my knowledge, there isn't any channel on Youtube better than yours in this genre. Keep it up, guys. Fan from India
    17
  705. Is there such thing as too much diversification? What does it mean to put together a "portfolio" for your investments? Thanks for the great content, I always look forward to your videos.
    17
  706. Pulling an all nighter to finish my last paper, this video was worth seeing during my small break!
    17
  707. Well this is comforting thanks
    17
  708. damn not only is this helpful but the video is so well-made love the graphics!
    16
  709. I'm happily surprised that there is a financial topic that you two didn't know to handle. Surprised because I have learned so much from you guys. And happy because, true to the shows nature, there is always a solution. ❤
    16
  710. Love this position! Go the Dave Ramsey route long enough that you truly know yourself and your habits...then begin to use debt wisely for business and further financial growth.
    16
  711. Great content as always! Oh and whoever did this thumbnail is an MVP! 😂
    16
  712.  @TwoCentsPBS  do you answer these posts yourselves? You're kidding me!
    16
  713. Wow, I am early. Love your work two cents. You will make it to the Gold Playbutton 👍🏻
    16
  714. Perfect unbias video! Awesome work.
    16
  715. that was great analogy. It is now going to stick in my head using pirate reference on type of investment. Thanks guys.
    16
  716. You guys are amazing storytellers, as a recent migrant you guys have been truly helpful at understanding the different nuances of home economics. But now you’ve knocked it out of the park with this “bond” theme. Loved it!!
    16
  717. Yes Julia! Thank you for such an empowering video!
    16
  718. Thank you guys for this video! This will help me build my starter emergency fund in no time.
    16
  719. Keep the good work! :)
    16
  720. Thanks 2 Cents🙏 You made my financial sense 10x Love you a lot from 🇮🇳
    16
  721. Holy crow. Phillip has that tuxedo refinement look to a tea. Stay classy, Two Cents.
    16
  722. I'm motivated to keep a moustache thanks to this dude.
    15
  723. I don’t have words to express how important it is to be able to respectfully discuss the impact of racism in American socioeconomics. Thank you for using your platform to encourage reform.
    15
  724. Best channel on youtube. Fight me
    15
  725. Great work guys... PBS digital studios have got some very talented people 👍😃
    15
  726. Your videos are amazing!! Love them. Btw how do you make your videos?
    15
  727. Can you please do a video on microeconomics? I absolutely love this channel.
    15
  728. This is a really interesting topic. I always think about the quote "Absolute Power corrupts absolutely" and this definitely applies to money and wealth. I loved hearing your view and opinion on this.
    15
  729. Another topic I'd love to see covered is Medical Tourism. Love the show, keep up the good work, etc etc <3
    15
  730. Digging the new tattoo Phillip!!
    15
  731. Oh my goodness, this is just too adorable Two Cents! Well done! You've taken the complex subject of investing and made it nice and easy, and entertaining to digest. I agree wholeheartedly that we need to have a little in all places. and I LOVE that you mentioned to use the saving account just for those rainy day, easily liquid-able, reasons only. My advice for viewers here would be to use the sound advice the Two Cents have laid out so beautifully in this video and then also seriously consider starting a plan B, business idea of your own. What are your talents, hobbies or interests that you know a lot about and that your would have loved to know when you were just getting started? Start there, make a list and then see what ideas come to mind. Maybe one day you'll do so well that your business idea will be in the top 500 businesses that others invest in too!
    15
  732. The Dow simply adds the stock prices of the companies in the index, and since there are a different number of shares in one company than another, this simple adding method is obscenely stupid. (A small company could have fewer shares out and so simply have a high priced share, having more weight in the Dow Jones index than a more valuable company in the Dow Jones. If you're going to track* an index fund, track the S&P 500, which was constructed more thoughtfully and better represents what is actually going on in the market. *You shouldn't ever care to actually track an index fund by the way, because it will make you think you can time the market. That said, you should always buy an index fund through a low fee investment firm like Vanguard.
    15
  733. I wish I could like this twice. Once for the well presented information, and once for the sustained pirate analogy!
    15
  734. Coming soon: Update of this featuring Beyond Meat, WeWork.
    14
  735. So happy to see paralegal in here! That’s what Im studying for and it’s nice to get some further encouragement that I’m making a good decision.
    14
  736. I like how marketing and design are written in the comic sans font. I see what you did there graphics team.
    14
  737. 4:52 Preach it! Anyways, Thanks for this video! I had heard of Bitcoin before but never really understood what it meant or even what it was and why it was appearing in the news so often. Now that I do know, I'm not really super interested in buying bitcoin, but rather re-watching every episode of Two Cents! You guys keep getting better every time!
    14
  738.  @choiceschoices5910  its "Sourdough sensei"
    14
  739. I work levels 1/1.5 for a financial institution. Great work guys!!! Love your approach! Are you planing a part 2 about secured loans like car, boats, RV etc since it's a bit different?
    14
  740. My mental health got so much better after quitting social media. I'd highly recommend it. Just make sure you still have a way to connect to people (especially during this time of social distancing).
    14
  741. Yea boii. This is diff than the usual. Enjoyed it very much.. THANKSSSSS
    14
  742. Thanks for sharing this, especially the personal splurge money. If you don't mind me asking (and of course you can just ignore it) - why do you have equal amounts of money for personal budget rather than a percentage reflective of your income? (Assuming you don't have the same income - I have no idea). What are some pros and cons between splitting the splurge money equally versus based on income?
    14
  743. This is why I don't like hearing people say "I'm so broke" "I'm so poor" "I can't afford that" as they type on their brand new latest iPhone, and drink Fuji water.
    14
  744. It is so nice to see you two again. Last episode was so sad :(. Thank you very much for your teachings :D
    14
  745. You deserve 10 million subs ❤️
    14
  746. 3:33 this is exactly how I sometimes imagine Philip :D (sorry bud)
    14
  747. Correct me if I'm wrong, but can't you withdraw whatever money you put into a Roth IRA at any age? I was informed that only captial gains need to remain invested until retirement.
    13
  748. These videos have helped me more than all the random YT cat or vine videos combined!
    13
  749. When she said: "How do you know not to know about the DOW when you don't know about the DOW?" my brain broke. 😂💀
    13
  750. You guys really should have More subscribers
    13
  751. I love these videos and wish financial education was still part of the education system here in North America. Thank you for making these videos for free we all appreciate it 😁
    13
  752. this is my favorite channel on YouTube, and your content just keeps getting better. I sincerely appreciate how vulnerable and honest you are usually, and especially with this episode. you all help so many people, and ought to feel great and be well compensated for it! please keep up this excellent work, and thank you for helping normalize seeking help
    13
  753. A must watch
    13
  754. Great video Two Cents team! The 401k has become such a popular investment vehicle for many! Important to also keep an eye on the fees. The fees can be excessive, so glad you highlighted this here :-) Thanks!
    13
  755. You guys thanks so much for this! THIS IS LITERALLY MY DILEMA IN SAN DIEGO !! LOVE YOU ALL SO MUCH!! -oh by the way can you put links to the senior living shared in the description?
    13
  756. Love this channel. Not really into economics or finance. But this show was a fresh take as it talks more about the psychology involved in spending.
    13
  757. Saving this video for when I’m ready to start my business.
    13
  758. Oh, My Friends, you nailed it. I am a full time youtube creator and fall into that "successful" category and yet still barely make enough to justify the time. So, so very good.
    13
  759. Very Informative! Thank You.
    13
  760. Silly question, but could some of those studies and statistics be skewed?
    13
  761. 07:45 you can see her standing on a block to match height with him. It's so cute.
    13
  762. I wish I could like this video twice!
    13
  763. Great summary. And very glad you can be together now!
    13
  764. Here within 18 minutes of upload ✌️ I am a subscriber, Who came here from news feed. Saw ur vid and clicked
    13
  765. Amazing video, I support the way you teach, its so easy to follow. Thank You!
    13
  766. Thank you so much! My partner and I have been discussing beginning to save for retirement (we're 21 and proactive, but my main focus is the student loans that are gonna hit in a year and a half. Yikes!) I had a question though--what happens to the money you stored in an IRA if you die prematurely?
    13
  767. I really liked the explanation and utterly loved the Q&A finale 😂
    12
  768. This is easily one of your best episodes.
    12
  769. Two Cents could you do a video on joining the armed forces. They have a lot of benefits and opportunities and i'm sure people out there will be surprised to hear that the government will pay for their education and give them a job. No debt, paid health and dental insurance along with discounts on anything and everything
    12
  770. I love your videos so much ! They are so informational and high quality ! 😎
    12
  771. I love Run The Numbers so much I feel like a child! this one was spooky, yeah...
    12
  772. Hook 'em!
    12
  773. Yay :D A new Two Cents video!
    12
  774. Learning about money is a weird area cause It isn't taught in school and it isn't the easiest thing to talk about, but I feel that this video gave a lot of good information on how to share those ideas, and concepts with kids!
    12
  775. I JUMPED TO WATCH THIS (love from the UK)
    12
  776. A remarkably well made video! Not with the traditional and populist view towards wealth but something science-based, with a clear message and explicit and practical recommendations on how to keep your humanity. Although it only talks to the wealthy among us, mostly. On the other hand, the human history shows probably won't work. But noble attempt nonetheless. Now go make a video for the poor, but perhaps as you said they are already more relatively generous and don't need it!
    12
  777. Bought stuff online from China, didn't come. Went to thier website to complain about them without success and I have been bombarded with ads by the same product they didn't give. Ahhhhhh
    12
  778. I love the QA sections at the end of each video, but can you give a brief reminder as to what the previous video was about?
    12
  779. You guys always break boring subjects down so clearly but fun too. Thanks for the great content
    12
  780. guys very close to 100k 👍👍 and @ 5:33 that's banned
    12
  781. A little bit of both. I wanted combined and my husband wanted separate. So we compromised and we have separate accounts and transfer money to a joint account that’s used for bills and a joint savings account. This way whatever is left over in our account after we transfer money is our own to spend how we please. Best of both worlds.
    12
  782. Who needs gold when you have bags of barley.
    12
  783. Nice earrings! By the way, what happens if I don't get any life insurance and stick to just index funds until old age? My dependents can use the value of those funds when I'm dead to cover their needs, anyway, right, so there's no point for insurance?
    12
  784. Highly disagree with 2 cents in this video but I love their channel
    11
  785. My car is 6 years old and has 190k miles , guess how many time i took my car in for unscheduled sevice ... zero times
    11
  786. Wait... DOES THIS INCLUDE STARBUCKS?
    11
  787. Excelente canal de youtube, ustedes son grandiosos yo soy de Perú y esto nos dara una mejor idea de lo que debamos hacer cuando llegue el momento. Keep it up guys!
    11
  788. thank you for the message at the end of the video. I am a Youth Housing Case Manager and i struggle daily when my clients come to me with too high of rent cost. These are young people who either don't have a lot of education because of their age or they don't have a lot of work experience. Both reasons to pay someone low wages. Their wages cannot keep them housed and unfortunately every one of my clients has already been homeless before. It is so hard to find them affordable housing with the markets the way they are. My employer is a non-profit that offers them low rent studio apartments but grant-funded programs only allow them to be here for so long. They have to find other housing after 18 months and that's not a lot of time to earn more income and then they fall right back into the same cycle of being unable to afford housing. It sucks that it is my job to keep them housed and find them something affordable but there is nothing affordable.
    11
  789. I love the way you guys explain stuff. So simple a clear for the average person.
    11
  790. Thank you For Being realistic, hopefully and not creating more fear. You have a level head. This is what American needs. It is bad times however let’s not make it worse.
    11
  791. But could Julia actually catch Phillip? I don’t know if I trust her...
    11
  792.  @kingjia90  Wow! I am in the same situation. When I was making minimum wage I spent smartly. During this time, I bought two homes and several cars. But when I got a %150 salary increase, I got into thousands of dollars of credit card, taking trips, going out to eat, and car debts. I am back to my minimum wage mentality now.
    11
  793. Your videos are very cool. Refreshed my memory in a comprehensive way. Thanks,
    11
  794. This is actually extremely helpful. Thanks a lot
    11
  795. "attorneys general" My head just exploded.
    11
  796. I’m grateful I am going to school virtually for free, because these numbers are insane.
    11
  797. You two make such excellent and helpful videos. Keep it up and thanks!
    11
  798. 1:09 I love that this series is so inclusive! They're definitely getting a subscription from me. Good job two cents.
    11
  799. Thank you I will remember this 😁
    11
  800. This channel is mind-blowing
    11
  801.  @TwoCentsPBS  Lovely to hear. AMAZING to get a response. I'm going to downplay what I feel about you and your work... I BEEPING LOVE IT!
    11
  802. Love how you did this, explaining the issues without blaming the people.
    11
  803. Thankfully YouTube is free so time to bingewatch more Two Cents!
    11
  804. Thank you for all that you are doing. Your videos have been helping me teach my personal finance course!
    11
  805. I'm definitely going to make an emergency budget today, I've been cut down to half my hours at my job. Now I have plenty of time to sit down and go through everything on Mint. With my hours cut back, so do my discretionary expenses. Gotta make that stimulus check last as long as possible. Thanks Two Cents!
    11
  806. i Have never watched one of these videos and not felt incredibly more informed about the topic. Y'all are amazing.
    11
  807. You guys! This episode is gold. Everything in life really drills down to your core beliefs.
    11
  808. ​ @TwoCentsPBS  Should us 'millenials' really be spending so much on clothing? I believe you guys have already covered Food, supermarkets, credit score and houses. I personally think that clothing may be a feasible topic. This was the only main thing i was able to come up with. Thank you for taking out your time and reading this.
    11
  809. I MOUSTACHE YOU A QUESTION
    11
  810. Aha! Now that I know how to budget, I'm going to minimize my expenditures, live as frugally as possible and retire in my 30s as shown in an earlier video 😎
    11
  811. I love my piggy. He’s not going anywhere. I collect change wherever I see it!
    11
  812. So... When money are diginelised, does it become more real, or more trustworthy? You know data can be altered...
    10
  813. Thank you so much for covering this subject! I have been researching this on and off for a while now and this is this first time I've heard of the PR ratio!
    10
  814. Smash that like button y'all!!!! This is great info!
    10
  815. Sam Houston grad here. I've toured the UT campus and it's pretty cool!
    10
  816. Thank you guys from the bottom of my heart for all your valuable content! I have learnt a lot from this channel. Life long fan...
    10
  817. Sounds like compound interest account mentioned here is really index fund account. Are they the same thing?
    10
  818. Despite having been to Business School, I love to come here to learn. Great Channel!
    10
  819. Don’t know how these two are standing up straight carrying the massive balls it takes to post a video like this on a Personal Finance channel. I applaud this, and showing that it’s possible to recognize privilege without attacking someone or feeling attacked about it.
    10
  820. You guys up there with Alux, and Rich Dad channel as my favorite finace channels.
    10
  821. Facts
    10
  822. Nice video, didn't know about this and haven't thought about it either.
    10
  823. the thumbnail cracked me hard hahahahahahhahahahaha best thumbnail ever... keep up the great work you been a big help.. and i am not even in america.. thank you so much
    10
  824. Clean and educating as usual.
    10
  825. Wow I’m crying just listening to this and I’m not even the one in therapy
    10
  826. I have constantly heard to start using an ira, 401k or some other kind of investment, as well as health insurance but they were never actually explained to me so I just ignored people or threw away the papers I got from jobs. I honestly never really thought about retiring because it didn't sound realistic to me so I never cared to learn about this stuff. You guys have been so incredibly helpful and I'm glad I learned this while I'm still in my early 20's 🙌
    10
  827. You two are funny, informative, and always on the money! I love this channel.
    10
  828. 1:39 inshallah sister!
    10
  829. How do you come up with such cool quips! Thanks for your videos.
    10
  830. Great video! It is "data" not "data". 😎 My students liked this video! (:
    9
  831. This is a far more personal view of these two than I've ever see
    9
  832. Great video! I was under the impression that you could withdraw your deposits out of a Roth IRA early without penalty. While I would only do that in an emergency, is that the case?
    9
  833. Another great video Philip and Julia!!! Thanks for your two cents!
    9
  834. My wife owns a spa, and has been closed for more than a month. Credit cards that we normally have no problem of paying, are now coming due. Without assistance we will go out of business, unless the order to keep our doors closed is removed. We have already come up with policies that will limit interaction between customers. We just need to be allowed to work.
    9
  835. you guys are awesome, I like the way you speak, and the topic is magnificent, worthy to watch, everytime I found valuable to watch Two Cents videos. Love from India Two cents
    9
  836. One of the decisions I’ve made on youtube was subscribing to this channel😭
    9
  837. This was a super awesome Two Cents video! It helps really get the definition of budgeting down and how it is supposed to affect your life!
    9
  838. My goal in life is to cook my food better, than if I was dining out. Btw, a saving tip - On the weekends, you could cook a big amount of food, and place it in the freezer. So if your lazy or tired one day, warm some in the microwave oven. You both save money on not dining out, and cooking in mass quantities is more efficient.
    9
  839. Sadly??!!! Think about how much you will be able to enjoy your career and salary because you won't have to worry about paying loans. I would rather graduate at 25 (which is roughly 3years later than average age students graduate) than paying loans for the next 5 to 15 years.
    9
  840. I love this channel it's like basic economics for the common Folk.
    9
  841. In the comments: fragile men triggered over a woman telling other women that they should be more confident in how they handle their financial situations and be more confident in their places in society (especially relating to high college success). Y’all need to calm down.
    9
  842. Oxygen Habit. That is good writing in a nutshell as I just made a small seen at my laugh of this joke.
    9
  843. This is literally the single most amazing infographic you guys have made!! Love it!
    9
  844. Thanks for answering my question from the previous episode! Really appreciate it. I have a better understanding now. Also, I found this video so revealing on the social and economic differences between various cultures in the US. We all see the economic differences, but now we know why. I'll be thinking about this video for days.
    9
  845. You read my mind and I am so happy. I really hope people do reach out to their libraries and credit unions as many offer courses. In fact, just as in the video, a local credit union in our town offers courses at my job, their bank and as well hosts them at the library. Even if you're just starting out they are amazing. Best of all, they're completely free! 😎
    9
  846. Keep the videos coming. I love learning.
    9
  847. Your channel has been incredibly helpful as I've been paying off my stupid college debt and learning how to adult. Finances should be taught in high school.
    9
  848. These videos are so fascinating, thank you guys!
    9
  849.  @TwoCentsPBS  A 43 year old here loves the child. I already have a lot of these ideas locked down. But I like comparing what I'm going with what you say. And some videos (like this one) I see as a quick intro course. Keep it up! I figured finances out but I wish this channel was around when I was younger.
    9
  850. 0:52 the reason I love you guys
    9
  851. I love how diverse the animated People are in these videos. 👏🏿
    9
  852. Bless, the skits are getting better and better 😂! Thank you guys for these really handy videos.
    9
  853. Julia: "Grumpy cat's net-worth is estimated at over a hundred million dollars" Philip: "Cool, we're gonna need a couple more fresnels in here, maybe a soft-box. How are we feeling about costumes?" I love the intro xD
    9
  854. You guys are professionals seriously I’m here thinking about how to lead my book shop business. thank you this was very helpful.
    9
  855. Never heard this discussed before on YouTube! Thank you!!
    8
  856. You guys should do an episode on the best way to purchase a phone and phone plan! You've touched on how leasing a car and buying a new car are bad ideas, but what about phones and phone plans? Is it better to buy a phone out right and shop around for the best month to month plan or get locked into a 2 year plan?
    8
  857. I thought Dow was a stock exchange just like NASDAQ 🥴
    8
  858. This show couldn't be more wholesome. I love it
    8
  859. i like her "SOUR SENSAI" AHHAHAha
    8
  860. Living in Chicago, you can see this plain as day. Whether you are on the South side or North and see how entire neighborhoods will represent one demographic and if you look at average household incomes, you can tell immediately who typically lives where. Government policy can change a place in a few short years. Leave it to the individuals and they can be stuck in mud for generations. Systemic racism is a real thing.
    8
  861. Never take financial advice from someone who benefits from that advice.
    8
  862. What a great episode, This is something I have struggled with myself. I grew up in a really low income household, we had nothing when we came to the U.S and as I've grown financially i've grown shameful of my progress in comparison to my family. It's something that I have been working on in my mind the last year by helping my parents become more financially literate and working with them to start a small food business. As we grow financially, we must also grow equally in sharing the knowledge that got us there.
    8
  863. Thank you for this clarification. I feel like it hits the nail on the head here. You're still going to get feminist bashers because it's a youtube comment section, but this I think this helps give appropriate context to the figure you guys used.
    8
  864. Massive congrats on 500k! Been watching for a while and have learned a lot!
    8
  865. Doom scrolling through Twitter. I feel attacked.. but it's fine because you guys are my two favourite financial Youtubers.
    8
  866. I love your videos, they are always helpful, thanks for making them.
    8
  867. Vitally important video, good job!
    8
  868. This video would have helped me 2 years ago before I got a pushy "financial planner" that practically forced whole life insurance on me. After a lot of work I managed to cancel it. Hopefully this video can help other people make more informed decisions than past me.
    8
  869. If you're American you can also self teach yourself into coding (I don't think other countries are a fan of degree-less software engineers). Programming should really be taught at trade schools too. I'm self taught and while my cost of living is absurd because I'm in the bay area, I started out with a six figure salary and now, 5 years later, my salary has increased 70% and I already know it'll be 80% above my original salary next year
    8
  870. Thank you for the episode. I would like to say a good word about your editing team which does a great job!
    8
  871.  @TwoCentsPBS  I cut my husband's hair also. Have been foralmost 10 years now after he got tired of the hair salon doing a bad job.
    8
  872. Damn I feel like Google is listening to my calls. I was just talking about this subject with my friend over the phone.
    8
  873. You guys did such a good job of pulling this channel together im impressed
    8
  874. Yaaaassss New video! I was waiting for it for the past few days 🤣
    8
  875. Medical share programs are also an option.
    8
  876. This was so interesting, not what I was expecting. Great video!
    8
  877. OHHHHH 'RUN THE NUMBERS' IS BACK!!
    8
  878. Glad to know they can use my 2018 returns I haven't been able to to file my 2019s yet.
    8
  879. I work with Doctors without borders and also donate a large chunk of my money to the charity. Thank you to anyone who donates. Your money for sure is making a difference
    8
  880. This was an amazing topic video. I feel so zen just listening 😌 and who knew there were financial therapist.
    8
  881. Two cents thanks for this 🙌
    8
  882. I'm glad you are doing these types of videos too, definitely something I need help with. I hope you guys had a Happy New Year and I hope 2019 treats you well!
    8
  883. I would like to take a moment to applaud you for saying "Julia and me" instead of" Julia and myself". Too many people would have gone with "Julia and myself" which is wrong, but it's a bigger word so they sound smarter. Right?
    7
  884. Love the effort you guys put into the videos! And very informative too.
    7
  885. Dude got the cool haircut, stache and beautiful family (God bless!). Keep up the great informative videos. 🤙🏽
    7
  886. Two Cents Two Cents Ah yes, there are lots of factor to consider before buying a car. And I also didn't take into account the insurance cost when I suggested to buy cars aged 1-2 years, my bad. And I agree that older cars maintenance cost is usually lower than the newer ones, but searching for replacement parts is, often times, a pain in the behind. Then again, at the end of the day, everything comes down to the buyer's decision. Some of my customers are happy with only secondhand cars (sometimes with suspicious mileage/odometer readings), some prefer newer ones because of, well, various reasons.
    7
  887. We need a part 2!
    7
  888. Great explanation! Very clear! Thanks for mentioning the sources as well!
    7
  889. The best crossover of 2021! Short selling and put options are two things I'll always stay away from. The fact that you can have an infinite loss makes it worse than gambling!
    7
  890. I can't wait to have kids now :|
    7
  891. I love this channel so much! It's funny, cute, and chock full of financial knowledge. I have been buying into an index fund for many years on the advice of my relative, but didn't really know exactly what it was until you explained it in one of your videos.
    7
  892. Third correction: throwing out your old Gameboy cartridges is a heinous act that should not be suggested.
    7
  893. I enjoyed the musicy ,the topic ,the explanation,the graphics and everything. Your energy guys is out of this world 😍😍💓. Keep nailing it 😉
    7
  894. I am Chinese, we will always be paranoid hoarders who are natural engineers who become moguls later in life. 🤣
    7
  895. Great video as always! Having talked with many entrepreneurs when I worked as a Developer Evangelist, all of these points are spot on! Glad you guys were able to partner with Chelsea from the Financial Diet for this video. PS I love that the Piggy Banks now have sounds. :3
    7
  896. Only 9k views? What? I love this channel! Crazy more people aren't watching.
    7
  897. Love your videos! I will start relying on them more now that I graduated.
    7
  898. Hey, you guys did amazing work on this video like you do with all videos. I really really appreciate this video even more than the others. I'm a gamer and game designer so it's sometimes difficult to convince and teach some people about microtransactions. I really appreciate that someone with your influence has decided to TALK about gaming and microtransactions instead of oversimplifying, or even worse demonizing it. Sorry for the long comment but thanks you from the bottom of my 8bit heart. Keep up the great work!
    7
  899. This is literally what I needed right now! Thank you.
    7
  900. You guys deserve a patreon
    7
  901. Thank you so much for sharing this information! I’m new to your channel and I am loving your content. Keep it up guys!! ❤️
    7
  902. You guys are really great at explaining difficult concepts.
    7
  903. Wish you guys become my finance and economics Teachers 😋 great vid 🙏🏼
    7
  904. I am a financial planner and I admire your channel so much! Such a fantastic job in bringing knowledge to small investors!
    7
  905.  @TwoCentsPBS  interesting... i guess ill consider debt management through this method as a gateway drug towards becoming an uber-rich. Cheers!... found your channel today and, so far, really have enjoyed the videos
    7
  906. I gotta admit: you guys did an amazing job with this video
    7
  907. this video is exactly what i needed thanks two cents!
    7
  908. Can you do Roth IRA next? I plan on getting one after graduation and don't really know what it is
    7
  909. The pun count was hilarious
    7
  910. Once I've got some cash, I pay myself first (pocket allowance). Then, either I buy an asset or something that is guaranteed to give me money, or I invest with the cash. The rest gets split into some for saving, and the other for spending.
    7
  911. I'm so happy to have Two Cents around. Thank you, everyone involved! You're on the very top of my list when I can begin contributing directly via Patreon.
    7
  912. You guys are really cool!
    7
  913. Ok which one of you came up with the "that was really.... META" joke... Brilliant.
    7
  914. I'm ol school ! I save my loose change and roll them once my jar is full 😉🤘🏽
    7
  915. Love y’all so much! So brave and inspiring to share your story! I came across your channel about a month ago and have shared with my entire family. Not only is your channel very informative and easy to understand, I believe you genuinely care about the work you’re doing and the people it reaches, and that’s not common!
    7
  916. I love all your vids. Wanted your to know that you guys are freaking adorable. Her with her beauty and sensibility, him with those eyes and that stache. You guys do good work. All the best to both of you.
    7
  917. I knew I was a hoarder as soon as the name appeared on screen, before the intro script. Now if you'll excuse me, GET AWAY FROM MY MATTRESS!!!! :) (But for real, I think it's also rooted in a similar background as the moguls.)
    7
  918. I don't think so. Edit: After watching the video, I was kinda wrong.
    7
  919. Pls make a video over mutual funds
    7
  920. This country needs to seriously readjust the balance of income.
    7
  921. Good job!, guys. I love how you used sailing from one point to another as a metaphor for reaching financial goals. It will help explain to lots of folks that don't quite get it. Big up!
    7
  922. This channel is too underrated..
    7
  923. Love from India
    7
  924. I thought I saw a bit of a bump in the last video! Congrats Y'all I'm sure you'll be great parents.
    7
  925. Thank you Two Cents crew! The psychology behind the monthly and annual subscriptions made me rethink some of my other subscriptions that maybe I do not use very often (amazon prime and maybe netflix for example). I let the monthly renewels slip past my focus for what I thought I maybe "needed". I did some digging, and found that I would save money by going from monthly subscriptions to Prime (and getting free shipping and the music and video features) to simply paying for shipping on only the half-dozen orders that I make per year. It will make me consider my purchasing habits a bit more carefully each time I buy since shipping will be paid for, but it is a relief knowing that I would still spend less per year on shipping orders without free shipping. So I cancelled my Prime membership, for example, and I will look at other subscriptions as well. Thank you for saving me funds and looking past the successful marketing and mind tricks!
    6
  926. Yes, this is one of the best channels I have seen in Youtube.
    6
  927. Fantastic video series this. Really very well presented.
    6
  928. I honestly love every video. I learned more about finance watching these than ACTUALLY majoring in Finance at a University 😂
    6
  929. Quality content as always, keep up the awesome work!
    6
  930. i missed u guys. stay safe <3
    6
  931. Two Cents is one of my favorite YouTube channels!!
    6
  932. This is pretty interesting! I also appreciate your optimistic tone even when talking about a serious issue.
    6
  933. Really glad for this channel
    6
  934. Again, if high school students and young adults watch your videos then this wont be a problem.
    6
  935. If you say 'I.R.S' three times in front of a mirror, a random libertarian will show up to argue with you.
    6
  936. Ok so at what stage then should you sell the car to get the best value? I'm assuming run it into the ground and then buy a replacement 5 year old car?
    6
  937. Underrated channel
    6
  938. Great video as always, keep up the good work 👏👍 Who knew positive messaging about finance could anger so many commenters 🤷‍♂️🤦‍♂️
    6
  939. You guys are so wholesome. 😇 Good advice I wish I had when I graduated high school.
    6
  940. 0:56 When I check YouTube and there isn't a new video from you guys!
    6
  941. personal finance explained with easy to understand examples, You guys are doing great work ! Financial Education is a must for everyone
    6
  942. You guys deserve way more subscribers than that !
    6
  943. Your videos are awesome guys. Thank you so much for all your work in making all this information available for us. Me and my wife constantly watch your clips. Huge regards from Bucharest :D
    6
  944. Fantastic content as always. Will be sharing with the older people in my family!
    6
  945. Good video as usual, sorry you have to deal with some much BS etc. in the comments of a video like this. It's almost like no one watching noticed how many times you went out of your way to say these things and issues are complicated. It's almost like most of the people commenting weren't even really concerned with the bulk of your video and instead want to use it as an excuse to get on the soap box and complain about their own political pet peeves while ignoring, or maybe even making, your point. Oh well, sad for them, they may have learned something. Just remember most of the people that really dislike it will hit dislike and will comment while most of the people that really like it will do neither!
    6
  946. i trust two cents ^.^
    6
  947. In an Arnold Schwarzenegger voice “do it now!”
    6
  948. Hi two cents your videos are great
    6
  949. So timely! I’m moving soon so your advice is so greatly appreciated
    6
  950. this is great though
    6
  951. Thank you guys for this video, very useful as always🤗 Hope you and the baby stay healthy and safe
    6
  952. OMG Shark Tank 😂😂
    6
  953. Thank you! This video gives an insightful view into how therapy works, and how to talk to your partner. P.s. I think raising your fees would be beneficial to yourself and to your viewers because you would have a new experience to share.
    6
  954. My grandmother almost got scammed by “CPS” luckily we checked if it was really CPS, turns out it wasn’t. Very nice video!
    6
  955. I'm learning more here than my own aprendiendo con Juan Carlos videos in my Chanel 💪👍🏼
    6
  956. This was such a great video. Very balanced representation of the cost of going green. Personally, i find that some green options are unaffordable. But i try to make small changes where i can: carrying my own water rather than buying,carrying a shopping bag rather than taking plastic bags, reusing plastic packaging whenever i can.
    6
  957. I love you guys! So glad I found this channel. Thanks PBS.
    6
  958. The best content you can find. God bless you two )))
    6
  959. I’d love to know what they do otherwise. The husband says he is licensed, so that normally means for investments.
    6
  960. My mom was poor. Now I see Two cents. Someday I would like to be rich.
    6
  961. Loved this video and really appreciate you taking on such an important issue! Julia, I'm sorry about the negativity this video is receiving. Keep up the great work. I have a masters in finance and you take on concepts I only learned during my graduate classes. Love the channel! Thank you!
    6
  962. PBS Era sent me. And I must be inhuman, because none of the things you described affects me. Well, maybe the eye level one.
    6
  963. Hey man, who is cutting your hair in this pandemic? .... Ah ha!
    6
  964. I am continuously impressed with your videos. The information provided is useful and it's simple to understand. Much appreciated. Thank You.
    6
  965. I feel like phillip's mustache cuddles with him at night and talks soft to him.
    6
  966. Maybe you guys can come up with payment plan options so all people can continue to see y’all? 🥺
    6
  967. I absolutely love these guys. So much wisdom. All the best for your future endeavours :)
    6
  968. Amazing and informative video! Thank you.
    6
  969. Thank you for telling me to build an emergency fund. This makes life a whole lot easier. You two are the best! Glad to see you healthy and well.
    6
  970. Really appreciated this episode, especially the last ~minute. I do make changes in my daily life but have recently also been looking at sustainability investing, and debating whether the principle is worth the slightly higher fees/lower returns I may endure as a result. I think the end of your video helps articulate what I’ve been feeling about doing it because it’s right, even if it costs me a bit more...
    6
  971. This has to be one of the most needed video I have seen in a while. Thank you!
    6
  972. Thank you I needed this so bad. I have had your budget spreadsheet from when you guys first started patreon. I didn't know how to go about it mindset wise. So I had keep looking at it but didn't know how to use it. This cleared everything up!! <3 thank you Also I have a question, I haven't invested yet and I m turning 30 in August. I feel like I should invest with the $1,200 from the govt. I already have a 3-9 months of emergency fund. If I cut my budget down to just essentials :p what should I do?
    6
  973. Nice insight! And nice Tesla shirt, Philip =D
    6
  974. This was the first video where I actually learned something new and very useful. Glad I've been a subscriber for the affirmation and now for the education!
    6
  975. Great video guys!! It would be great to incorporate higher chances of getting promotions because from masters you also get expertise in that area. Rarely I find people in senior management who have just bachelor degrees.
    6
  976. Thank you for this great info! I had never taken the transaction fees into account. I typically donate every month to the same organization. Should I be lumping this money and making one donation per year instead?
    6
  977. Thanks for mentioning Pallotta's work--some of his talks have radically changed how I view the non-profit sector.
    6
  978. Nice pragmatic approach! Watching this in Germany, it's hard to believe there are places in the US where the multiples are below 10 - is there something wrong with those?
    6
  979. If it was easy to tell what is overvalued and what is just “the new amazon” we could all be rich! 🤔
    6
  980. Anything that depreciates isn't an asset, it's a liability (at least to Robert Kiyosaki) [1:04]. Great video guys!!! Can't wait for more!
    5
  981. Has your team considered working with the Game Theorist? They would be a great endorsement / channel viewer-base boost, although they are not a PBS studios channel. It would still be great to see a collab! They focus on educational content as well, except it is usually through depictions made by video games or film.
    5
  982. That was the best explanation of insurance I've ever heard,.
    5
  983. You two are the best! One of the few channels I watch as soon as they upload!
    5
  984. Love this channel! y’all should collab with Graham Stephen and Ask Sebby! Would be better than infinity war.
    5
  985. Honestly I love your videos. Thank you both for making a video on this generally more sensitive subject!
    5
  986. Wow! Nows it’s over 10,000!! I have a feeling this channel will grow pretty fast!😊
    5
  987. Mmk, I dont say this often, but this was a perfect video. Thank you for this.
    5
  988. Hi! Loved the video. I wish you could have covered the "Flyer" personality cause it is weird and I don't understand people like that.
    5
  989. Another brilliant video. I loved that you went through the history of money, it was very interesting. Good job on your French Philip!
    5
  990. Great video! A testament that success never comes easy. You two look like a match made in heaven!
    5
  991. We love an Evelyn/ two cents cross over 😍 😍
    5
  992. I have always wondered about Social Security. I mean everyone has it but why don't I know more? This video really helped me understand and answer a question I didn't even know I had!
    5
  993. Unfortunately, I will miss the live stream, since I work swing, but keep up the good work!
    5
  994. Surprisingly, I find that Dave Ramsey and Chelsea Fagan (with a sprinkle of Two Cents and Minority Mindset) can both add to each other when you take away ideology and just focus on the actual advice they both give.
    5
  995. This is the best Two Cents video yet. Shocking. Positively shocking. It is punfully obvious how much hard work and preparation went into this. Pure Goldfinger.
    5
  996. Liked before watching as always 😊
    5
  997. YNAB people! It's more than budgeting software, it's a whole budgeting strategy. They will teach you budgeting from top to bottom. They have tons of easy to understand guides and videos. They offer free workshops where you can ask questions. Students can even get a free year! I bought it at a discount as a student back when it was a standalone app from Steam and fell in love with it! You can head over to ynab and get a free 34 day trail. I would plan on spending time to read the getting started guides and watching a few quick videos before starting your trial and then attending a workshop or two just after. This will be a time investment. But you will be investing in yourself. Full disclosure: Here is a referral link that will grant me one month of service if you decide to subscribe. Feel free not to use it and just go directly to the site to check it out. https://ynab.com/referral/?ref=xUDtZpYOhQl6OwpT&utm_source=customer_referral I would of course appreciate the kick back but really I'm just sharing because ynab has taken lots of financial stress out of my life and I really do think it's great. Also if you're like me you might need more than 34 days to know if the system works for you so you might even want to try asking YNAB support for an extension. I hear they might do that from time to time. Or just subscribe to the two cents patreon and get their budget template! Honestly whatever works for you. TBH, while I love YNAB, I'm always happy to hear when people have any sort of budget. Like a real one with numbers and planning. Not the one people keep in their head.
    5
  998. Too many hopping on Dave Ramsey's junk in here like it's gospel. Being debt free is nice but leverage is just as important.
    5
  999. Although not as extreme (aka awesome) as their examples. I've been on this path (saving and investing 40%-50% of my income) for about 8 years. Another 8-10 should get me to my 4% in perpetuity. But sometimes I wonder if I could quit my job (which is already pretty great) let my current savings build for the next 20 years on its own and try to cover my expenses through photography and music (which I do about 15% of my income now. Either way, it's great to not feel trapped by finances. I have options.
    5
  1000. This is straight forward, thanks
    5
  1001. I heard that you can make too much money to qualify for a Roth IRA, is that true?
    5
  1002. This is great info and a tabuu subject to discuss in our culture! Thank you for giving us a bit of your wisdom! 😊
    5
  1003.  @alexismisselyn3916  It also doesn't control for constructive factors such as job mobility and promotions. Women are less likely to be hired, and when they are they're hired at a marginally less rate, and then are less likely to then be promoted. This is a finance channel so hopefully you can understand how compound negative interest works. The 98% is a simple snapshot at the exact time. It doesn't account for the reasons a woman might have less experience in higher roles, namely being passed up for promotions. If you take 4 or 5 of those 2-3% decreases, compound them across a woman's life you conservatively have them earning 10% less.
    5
  1004. As a fellow Phillip and Texan, I must clarify that it's pronounced data, not data.
    5
  1005. you lost me at "on-campus ski resort" but YES, health care (medical field) and science if done smart (go to community college first 2 years are a good way to go! And my brother is engineering, other sister is nursing, other sister is graphic design, so for them 3, they're either in no debt or very low debt. They went to an affordable 9K uni a year, totally doable compared to 30K per year schools :)
    5
  1006. Guys!! Great video!!!! Keep going!
    5
  1007. Your videos are absolutely amazing... I'm just loving it... Such great content is rare on YouTube
    5
  1008. Thanks for this enlightening video :) Some guy actually tried to sell this kind of insurance to me last year and i don't even have any dependents
    5
  1009. I appreciate you tackling this topic. Far too many people say you hate America just for speaking honestly about some of its ugly history and current practices. A disturbing number of people believe systemic racism (past and present) is just in our imaginations. It's not possible to progress if we're not willing to acknowledge our shortcomings.
    5
  1010. This Channel is growing fast! everyone needs to be on board.
    5
  1011. As a Kevin, I am glad I was featured in this episode. #blessed. That being said, I can definitely relate to this, as a heavy user of my phone, I still only managed to use 20GBs on my highest usage month from the last 4 months.
    5
  1012. I always enjoy seeing that I have a new video from you! I share these with my subordinates in the hopes that they’ll become and stay financially sound and ready to retire when the time is right.
    5
  1013. Most underrated financial channel there is
    5
  1014. Was clickbaited. But after watching, understand the methodology. Thanks Phil and Julia for the honesty put forth, even if only the summarized version.
    5
  1015. Whew i was gonna get back to work but i guess it'll have to wait for 8 minutes
    5
  1016. <3 Philip and Julia
    5
  1017. The best channel so far. I wish you get to 10M subscribers.
    5
  1018. Ps I love this channel keep up the good work!
    5
  1019. Loving the end segments
    5
  1020. That thumbnail screenshot 🤣 You should print that and hang it on your wall in a nice frame, preserved for all eternity 😋
    5
  1021.  @TwoCentsPBS  Pretty much what you covered in this video. People think of insurance like a service that they need to get something out of because they want to feel like the money they're spending is going to give them something in return. That's not the reason why we get it, it's a safety net for when you need help, but I understand why people feel the way they do. I completely agree that it is too expensive and some serious changes need to happen to make it more affordable. I don't have all the answers or pretend to know what is best to do about such a complex issue in our county. In my job I just try to help people understand what is the best option for them and their family with the system that we have.
    5
  1022. Hey, I made the CC in spanish for this video!; I hope they are useful!
    5
  1023. Awesome video! Thanks for laying this out! I’ve been slowly figuring out these tips and your video put it into words 🤩
    5
  1024. You both did a great job explaining this! Thank you!
    5
  1025. Loved these, especially the "Is a 10 min walk worth $5" example." Put me on notice there.
    5
  1026. Big fan of The Plain Bagel, I was excited to see you both collaborating on a video. 😄
    5
  1027. I love your content-thank you!
    5
  1028. Loving that mustache! Looking forward to the content!
    5
  1029. 2Cents videos are always great, but this time it is the Best 2Cents video ever. Fun and educating tnx✌️
    5
  1030. It's hard to recognize privilege when you're living it. The wage-gap is a real issue affecting numerous women globally. So many butt-hurt men in the comments. Loved the video. Keep up the good work!!
    5
  1031. Hej guys, I like your work, and think what you do is great. Hence me taking the time to debunk sthg you just said at 6:24 that „it is well known that country debt should maintained under 90% otherwise it get crushed under debt payment“ or sthg close enough. The 90% rule comes from a paper from 2010: Reinhart, C. M., & Rogoff, K. S. (2010). Growth in a Time of Debt. American economic review, 100(2), 573-78. But guess what: that paper had no peer review, was tainted ideologically, and even had a mistake in the xls spread sheet. plus the method was very contested. This myth Got completely destroyed under this paper 4 years later: Herndon, T., Ash, M., & Pollin, R. (2014). Does high public debt consistently stifle economic growth? A critique of Reinhart and Rogoff. Cambridge journal of economics, 38(2), 257-279. Here for you to read: https://github.com/scienceetonnante/Reinhart-Rogoff Again: I really like your work. You‘re just the victims of wide spread propaganda to cut social programs.
    5
  1032. This is incredibly informational! I've always been curious about this process- thanks for the info! :) I've been super careful, got a ding on my credit for someone else's debt and immediately it went down 100 points from excellent to about 600 which is insane. I immediately appealed it because I hadn't gotten anything in the mail for that amount and they took it off within 24 hours. Totally ruined my day but it was so great seeing my credit back to it's squeaky clean score!
    5
  1033. Thanks guys for this awesome video! Now I know what to say to my friends when they are like, "You're telling me you DON'T have a dog walker?" Haha
    5
  1034. Very good channel. Deserves way more subs!
    5
  1035. tl;dw take it to a coin machine (usually at grocery stores) that will give you a gift card for a place you already shop at to skip the processing fee.
    5
  1036. oh my gosh! I love all your videos, but this one is the best!!!!
    5
  1037. Another awesome video. Here in the Caribbean, we also do not have Financial Literacy in schools. We have to either learn the hard way by making mistakes or Youtube channels like 2cents and Dave Ramsey. Although I have had to go through the difficult process, I have learnt a lot and 2cents has been extremely helpful along my financially journey. Thank you guys so much for your amazing videos!
    5
  1038. So happy this channel exist I been investing in the market for a couple months now 😊
    5
  1039. Found myself guilty of a couple of these things. Thanks guys for the heads up👍🏽 Keep the good videos coming
    5
  1040. I appreciate your videos 🙂 The bit at the end where you two address societal issues was really cool! Would you consider doing a podcast where you answer questions your viewers have, and elaborate more on the issues you feel are important to discuss?
    4
  1041. Desmond's work is incredibly insightful. So glad you mentioned him and his studies.
    4
  1042. I guys need more subscribers! Your channel is awesome!
    4
  1043. I started a slow clap after the episode ended. Please like to join me clapping for this amazingly done episode. 👏👏👏
    4
  1044. Notification squad! :)
    4
  1045. I love you and pbs.
    4
  1046. You guys deserves more views!! So informative and helpful! ❤️❤️
    4
  1047. The S&P 500 is a better measure of the overall market
    4
  1048. You deserve more subs dude!
    4
  1049. This is so informative ! I was so close to purchasing an unlimited data plan and had to check exactly on average how much data I'm using per month after watching this. Thank you 😊
    4
  1050. There is an episode of This American Life about a landlord who has to evict a family, it is a very hard one episode, there is always two sides of the story.
    4
  1051. *It's super effective
    4
  1052. Too many great subjects in one video. Too fast. I didn't have time to fully understand any of them.
    4
  1053. ....I guarantee to you non of these people live or lived in New York, New Jersey, Maryland, Connecticut, California, Hawaii or Illinois. I say this because the cost of living (Independently) in those states won't allow this to happen. Still...great video and very insightful.
    4
  1054. Index funds r the best thing to happen to investing since Warren Buffett
    4
  1055. I really enjoy the quality and variety of educational videos on this channel. All I can say is keep it coming ! :)
    4
  1056. Stephen covey!!!! Great book I read the teen one when I was younger the. I read the adult one lol... Are there any financial books you guys recommend? (I love reading). And thank you for making this video simple because I had No clue about investing lol
    4
  1057. Y’all are so smart and cool! Thanks for breaking things down for us. You are the most enjoyable and therefore helpful finance people on YouTube. I really appreciate the empathy with how insane we all think some financial things are and your optimistic takes on stuff ❤️
    4
  1058. I absolutely love the facts. Very eye opening
    4
  1059. We know who the thumbs downers are. Sensitive as always.
    4
  1060. I really like 2 cents, thanks
    4
  1061.  @TwoCentsPBS  Thanks for taking the time to reply. Sub earned 😃
    4
  1062. Philip looks great on a fitted shirt. Embrace your size, boys!
    4
  1063. Massive congratulations on the 500K subs! Couldn't be more deserving. I'm looking forward to more videos already!
    4
  1064. Unreal how simple and easy you both make these videos look. The obvious truth though is that this takes some serious preparation, editing, scripting and practice to pull off. I'm really impressed by your presentation - simplicity is the ultimate sophistication. Marvelous job on this channel, really, I truly hope you reach millions. Good luck! :)
    4
  1065. I appreciate the PR ratio. I know its not the only thing to look at but helps know if your math on everything else is right. I'm renting for many reasons and currently my PR ratio is 21(California 50 miles from the city).
    4
  1066. Is that a real or fake mustache???
    4
  1067. Excellent video. Well done guys. I'm officially a subscriber now!
    4
  1068. This film is one of the best things I've ever seen on you tube... Great work 🇬🇧
    4
  1069. Legends are that when you are this early , two cents will give you a heart ! ❤️
    4
  1070. Two Cents Si, señor. A group of elite dedicated followers of the Two Cents’ Gospel
    4
  1071. Wow, guys! Trying to give effective help to people who are in need. You are real-life Heroes!
    4
  1072.  @TwoCentsPBS  I would like to join you for a Serbian translation! Your advice videos are much needed here. Only when I started working in retail did I realize how lousy people are at distributing their money.. I also noticed a trend that people overspend when browsing through a shopping center, they go for one thing and end up with tons of shopping bags in their hands (also a personal experience once or twice :)
    4
  1073. I love the fact you mentioned part of the true origin of Christmas. I love your channel!! I hope u guys keep posting such great content. Thank you.
    4
  1074. Guys! Great worK!
    4
  1075. Is cryptocurrency the most popular pump & dump scam?
    4
  1076. Please do talk about the "back-door" Roth IRA for high income earners.
    4
  1077. I love this channel.
    4
  1078. Truffles are delicious!
    4
  1079. This episode hinted a little at cyber security; any chance of an episode about what to do if your financial information is stolen?
    4
  1080. this was so informative. thank you for bringing awareness to the issue.
    4
  1081. You guys are great. Keep it up 👍
    4
  1082. Another amazing episode :-D I can't get enough of you guys!
    4
  1083. Loved the analogy with sea, applied for every one of the examples! kudos to your Design Team!
    4
  1084. This is a gold mine
    4
  1085. I would love to be a tree when I die!
    4
  1086. Thank you for your sobriety during this chaotic time
    4
  1087. New info to me as a fellow Texan. I'll pass it along, thank you
    4
  1088. Thanks for sharing this and the tips! Great work! An emergency fund is key. 👍
    4
  1089. 😭 This is so beautiful!
    4
  1090. So glad you guys are safe! Also thanks for making this bill and what it does understandable and making sense.
    4
  1091. Beautiful lesson about Tax
    4
  1092. 2020. YouTube. Udemy. Skill share is your new college.
    4
  1093. Here before notification this time
    4
  1094. I love this, bonds are the investment I know the least about. YOLT haha
    4
  1095. I think it's not only benificial for couple. It helps with business partner, parenthood, etc. I don't have this kind of privilege to able consult with therapist, but watching you two really touch my heart. Thanks for being vulnurable and share this with us. Hope all the best for Two Cents!
    4
  1096. Plato approves this message 👍
    4
  1097. Hi Two Cents, I watched this story last night, and it had me thinking 4 questions: 1) How do we undo redlining? It's affected so many generations since its inception. And, although the practice was illegal, its effects still affect so many, even today. 2) Is it possible that redlining has morphed into other forms of housing or area segregation and discrimination? 3) Are there other practices, like redlining, that have and are still disenfranchising people, like my LGBTQ+ neighbors, my AAPI neighbors, and my BIPOC (Blacks, Indigenous, and People of Color) neighbors? I feel like there's so much we don't know that's keeping us from being better neighbors. It's hard to heal and recover from what we don't know. 4) How's the new baby?
    4
  1098. You guys are awesome as usual.
    4
  1099. Oh boy, here come the angry men that want to insist that the wage gap isn't real.
    4
  1100. OMG, your nerdiness is rubbing off on me. I got way too excited when I realized there was "time to run the numbers" comming up. Hahaha just kidding! I love the channel and watch every video. Keep up the wonderful work you do!
    4
  1101. 4 months early 😂💀 but of course someones dying rn, so this is def helpful Now i know how to turn into a tree or even a coral reef! I didnt know that was even possible
    4
  1102. Same. This would've helped me 5-6 years ago, as a flailing student who was VERY clueless about applying for college 😂
    4
  1103. I love watching your videos! they are straightforward and so helpful!
    4
  1104. I love this channel just after 2 videos. 5k subs? Are you kidding me!!!
    4
  1105. When that robot asked “what is love,” the old lady should have said “baby don’t hurt me”
    4
  1106. I'm so glad you covered this topic!
    4
  1107. Love the color coordination :D. I did a health insurance check-up because of this vid. I stuck with the same plan, but I understand why now better
    4
  1108. Great video! It really breaks down exactly what short selling is so anyone can understand! It also shows how market manipulation can create a scary environment in which money can be made, but knowledge of the fundamentals can still be completely useless. How sad...
    4
  1109. Well done. Great way to illustrate the reality of this topic.
    4
  1110. 4:40 How’d you know my answer! 😂 Keep up the awesome videos!
    4
  1111. More videos like this one for freelancers and entrepreneurs please!
    4
  1112. Congrats !!!!!!! 🤯🤯🎉🎉🎉🎊🎊💐
    4
  1113. You’re back! Yay! I’m part of the crowd that actually goes to the gym! The fitness product I use the most is a mat, I use it to do a few workouts at home whenever I can’t go to the gym!
    4
  1114. Congrates. Had a feeling...thanks for your help planning our first family addition.
    4
  1115. Just reading the comments got my more FIRE'd up than the video. Even if you can't or don't want to retire early. Implementing elements listed can still bulk up your retirement fund when/if you need that money. I'm definitely going to start implementing a stronger savings regiment.
    4
  1116. You made it sound so simple! Julia, keep on with the opera singing!
    4
  1117. I love Two Cents because even though all of this is on the internet ( Where we all know to trust everything here ) it is very well researched and is put together in a professional way that is easy to understand!
    4
  1118. I wish you had talked a bit more about paying cash or working your way through.
    4
  1119. wow! you guys are soooo awesome! thanks for highlighting imaging techs like me! i am quite grateful to have went that route. sonographers do need licensure. our tuition cost?... $7,000 for a community college program, in California!!! median income?... $100,000 plus gross annual salary!!!
    4
  1120. Wow I just found a diamond of a channel in the massive pile of junk youtube stores. Great Video, I love the way you guys edit & explain subjects in your videos. Thank you.
    4
  1121. I must say, I’m digging this format with two hosts!
    4
  1122. u guys are awesome... u just blow our minds with this new view
    4
  1123. Oh my gosh I'm so happy this came up in my recommended. I was at a loss for words as to how to explain this to my husband but. Now I can just be like, "watch this! This! Thisthisthis!"
    4
  1124. Diversify, diversify, diversify! Great video you guys, and that intro!! 👌😂
    4
  1125. Thank you for this! I was just telling someone the other day about how cell phone overcharge customers.
    4
  1126. Thank you for getting the facts right about Venezuela instead of spreading fear like most politicians.
    4
  1127. Love this video. Thanks for your work
    4
  1128. Obviously, men are better watching youtube videos & wasting time disliking those who dare to confront their "manhood".
    4
  1129. Here before 100k subs
    4
  1130. Those numbers for San Francisco are hilarious 😂
    4
  1131. You two are so great. That's it, that's the comment. :)
    4
  1132. Ya'll had fun making this one. Great stuff guys. I thought I knew a good bit about bonds, but I still learned some things. Really fun, too. Except for the YOLT pun >:(
    4
  1133. love love LOVE THIS CHANNEL, this is the first channel i turned the notification bell on for 😂
    4
  1134. ​ @TwoCentsPBS  YESS So, the menu includes Albino Caviar, Cemani Black Chicken and lots of words exchange, RSVP.
    4
  1135.  @TwoCentsPBS  Wow. You replied!!!! I feel honored. Keep up the good work and stop eating uncooked barley.
    4
  1136. U guys will definitely hit 1M till june 19 😉.... I love your videos 🤘
    4
  1137. Is “Tapir Talk” a real thing?! If so, count me in!!!
    4
  1138. This video is really well made! Subscribed! The video didn't influence me much, already going into engineering - both because it pays well, and because I enjoy it, but it was very well produced. Looking forward to more content!
    4
  1139. So basically modern Downton Abbey
    3
  1140. You folks know your worth! I am not at all knowledgeable about financial fees but, is it possible to charge more for those with larger balance sheets/income? It means more work right?
    3
  1141. Just wanna say, i bumped into one of your videos,.. and now, im addicted to all of them. Learned and stilll learning a lot from you guys!
    3
  1142. They pretend to know everything about pricing your own products, but the joke is on them because they give away their videos for free!
    3
  1143. To everyone that is saying “At least with Whole Life it is some savings.” No, it really isn’t. At roughly 5 times the cost, and the FACT that any cash in the account is surrendered to the the insurance company upon death.... I don’t say this lightly, you are better to put the money into CD/GIC
    3
  1144. Loved this! Also, your pinned comment.
    3
  1145. Be strong and let’s hope for a speedy recovery for Julia. Love from France
    3
  1146. Absolutely love this series! Thanks for sharing.
    3
  1147. You guys are one of my favorite channels to watch! Thanks for the great videos!
    3
  1148. Woa when did this new PBS Digital Studios channel start?! EDIT: it was dope. Subscribed.
    3
  1149. You are simply the best, and funny, and you clearly know what you're doing, you should also have a show on bloombergTV or something, thanks a lot for all the advices, very useful, especially for me, a youngster with big dreams and no plan or knowledge :) And debts are not for me, cause I have a fear of debts, a fobia, it's just to stressful knowing that I have obligations no matter what, if I get sick or lose my job than what?
    3
  1150. I wish this video was longer. But thank you. It was so good
    3
  1151. Good handling of a sensitive subject. I like to see the balancing act performed well
    3
  1152. This channel is awesome! Great work
    3
  1153. Love you guys. Good work
    3
  1154. The information on this channel is amazing, thank you!
    3
  1155. I love your Channel it so beneficial btw u have earn a sub. Can not wait until your next video.
    3
  1156. You guys are AWESOME! I haven't missed a single episode. Love your work.
    3
  1157. Thank you for explaining in detail! This is a great video!
    3
  1158. Julia's face looks so clear. That must be the therapy at work.
    3
  1159. Ok that background part in the beginning pique my interest. Can we get a behind the scenes episode🤔?
    3
  1160. I learned personal finance from Dave Ramsey. But the "Two Cents" channel is a close second in my favourite financial videos to watch! Keep up the good work you two! I hope one day you'll be able to make 2 or 3 videos per week.
    3
  1161. Hello Philip and Julia! Your channel is very useful, and it's pleasant to watch in many ways because you two are such a lovely and positive people :) I have just one suggestion: try to make your thumbnails as colorful and optimistic as possible, please! Like one of your older cousins from PBS do, PBS Space-Time. Check out his previews! And good luck with further production
    3
  1162. Now this is why I am subbed
    3
  1163. That deep 😗
    3
  1164. Such good advice! You guys rock, as usual :)
    3
  1165. Awesome as always!
    3
  1166. I love this channel
    3
  1167. omgosh.. i played quizquiz in 1999!
    3
  1168. Your videos are super impressive. Can’t imagine what a task it must be to make complex financial concepts simple (and entertaining) for almost anyone to grasp. I’m an undergraduate student in Economics, currently in my final year. However, we don’t have much of Behavioural Economics in particular in our course. Any particular books you’d recommend for someone who wants to start learning more about the subject?
    3
  1169. Loved this😍😍😍
    3
  1170. Thank you for making this video ❤️
    3
  1171. I love when the PBS Channels collaborate!
    3
  1172. For those who have SIMPLE IRAs it sounds like the best plan would be to max out the 3% employer match and then open up a Roth and max that out before contributing any more than 3% to the SIMPLE. Is that correct thinking?
    3
  1173. This is a touchy but much needed video! Thank you
    3
  1174. I deeply congratulate you. Although I’m from Argentina, I can appreciate the quality, thoroughness, and depth of what you tell in this episode. I wish that state TV in my country would produce content like this. They produce a lot of content but always blaming a single president or a political party. Not like you, that only want to show things as closest as the truth that is possible, not blaming a political party or a single president. Just showing how the government and therefore the people can inflict terrible suffering on minorities. Thank you very much for being there. Kind regards.
    3
  1175. Love your content..
    3
  1176. Do you have a video on the cost owning a home vs renting and which is better ?
    3
  1177. Love how info is presented on this channel! That being said as a recruiter for over 10 years on the East Coast of the US, I have to say all of the management jobs I’ve hired for as well as those I’ve spoken to candidates about require more than a 40 hour work week. I would say most have an average requirement of 45-47 hours per week required, with some as high as 60 hours per week. I think the question should be asked about the hours a person should expect to work, but expecting any salaried position to be at 40 hours per week, I would be surprised.
    3
  1178. Great vid subscribed
    3
  1179. Emergency funds are definitely a must have 👌🏽
    3
  1180. You people are amazing, your videos are really inspiring...!
    3
  1181. Came on Youtube to check whether you guys had uploaded a new video, and here it is!!
    3
  1182. Seriously all I can say is thank you PBS for having Philip & Julia on this channel, seriously awesome presentation, I love watching!!
    3
  1183. We stopped celebrating Christmas, and now, when we're in a store any time of year and see something we think a friend or family member would find useful or valuable, we just get it for them. We can usually afford it because we aren't spending the whole year trying to catch up on Christmas debt, we never buy gifts for people that they wouldn't genuinely want, and we skip the mad rush of trying to get something for everyone. It makes us more mindful to be generous all year because we don't feel tempted to wait around for Christmas, and our kid doesn't wind up with 20 different things in one day - which used to overwhelm him because he would have no idea what to use first. It's better in every way.
    3
  1184. I love your videos! Thanks for the information time and time again!
    3
  1185. this is amazing
    3
  1186. Love his mustache! 💋
    3
  1187. Great financial video, as always.... Keep up the good work guys !! Please do video's about ways to save money for kids education... Cheers from Indonesia!!
    3
  1188. it makes sense to go to community college first but my parents would kill me if i did
    3
  1189. Love you guys... you’re both so goofy in the best way! :)
    3
  1190. Wow. Thanks for the breakdown guys. You don’t know what you don’t know. This was eye opening.
    3
  1191. Yaasss new upload 🎉
    3
  1192. Please make a video about investing in REITs and compounding interest
    3
  1193. Guys. I'm an Engineer and thank you. PS. You guys are adorable and your vids are great.
    3
  1194. Love Julia's humour in this one!
    3
  1195. First! Very interesting to know how unfair the financial sistem is designed. Looking forward to learn more about "the ethics on banking" and the so called "ethic banks" I love your content, greetings from Mexico!
    3
  1196. Hey, greeting from Moscow, Russia. Yeah, we watch it here too :)
    3
  1197. Great explanation and update. This is why I often bring up the S&P 500 index. It is much better as far trying to see how the overall US market is doing.
    3
  1198. Loved the puns! Lol
    3
  1199. Im gonna sound stupid to anyone who already knows about this buttttt I JUST FOUND OUT THERE ARE A COUPLE OF NEW TWO CENTS VIDEOS ON PBS.ORG!! I had no idea that was their main upload place before youtube. If you want more Two Cents (like I always do) now you can binge a couple more videos yayy
    3
  1200. Wow, well done. I bet you could do a video on the ways that being wealthy reduces living expenses.
    3
  1201. love your videos, helpful tips
    3
  1202. Two Cents yes there are 😂 We don’t wait for the video to see in the recommended section to watch rather notification’s ting sounds much better to watch Two cents’s video 🤗🙌🏻👍🏻 You guys do really make a very helpful videos Love from India 🇮🇳
    3
  1203. This is one of the first videos that has blown my mind. Good job guys.
    3
  1204. Excellent content aside, the way both of you present and the graphics are so well-done and engaging. Proud to be a patreon subscriber of yours!
    3
  1205. Problem is people are emotional creatures (hi Penny). If the same 200% price increase would be just because of normal "price and demand" they wouldn't even care. Instead of banishing people for that (and honestly I think it's big hypocrisy from some people - a lot of them if not all would do the same if they had the opportunity) why now act like a reasonable people and let the market decide? For example here in Europe after the virus masks and hand sanitizers were either gone or overpriced to high heavens. What people did in Europe? Instead of buying $500 sanitizer from ebay or $25 face mask and threatening people they bought some materials, clothes, chemicals and created it themselves often creating more for others for free or selling at cost. And then just remember who was gouging and just don't shop there. No need to use the law, attorneys or death threats (or making someone do forced donation - it's bogus at best and just forces someone else to possibly go broke). Simple, fair and it also helps those who are unable to help themselves :)
    3
  1206. A really great video as always! Keep up the amazing work 💕💕💕
    3
  1207. Absolutely loved this one. Super helpful to see where I would be. Awesome work as usual TC!
    3
  1208. I love 2 cents
    3
  1209. Keek earning. Keep saving. Keep investing. Repeat. 🚀📈
    3
  1210. 32 insurance salesmen didn't like this video.
    3
  1211. god i love this episode so much
    3
  1212. Nice video. Looking forward to your video on mutual funds. I hope it will include the basics of 401(k)'s and especially brokerage FEES.
    3
  1213. Superb video - good job 👍
    3
  1214. These videos are awesome, the content and tone reminds me of Freakanomics (which was basically my introduction to micro economics)
    3
  1215. So much great advice.
    3
  1216. Hello my fabulous peeps!!! Love your videos as always. I always look forward to the next one. Great visuals, editing, sound, and script work. Easy to understand and super thought provoking. Keep it up! Jen
    3
  1217. Thank you for making all of these videos!
    3
  1218. Quality work
    3
  1219. Maybe 2 cent is nothing in real life. But your 2 cent is priceless. Thanks!!!
    3
  1220. You guys are the mr.rogers of financial literacy
    3
  1221. Two of the finance channel I subscribe to doing a collab? 🔔
    3
  1222. These things should be taught in schools tbh. It's so useful to hear, but there is rarely someone there to tell us. Very interesting channel!
    3
  1223. You guys are really good at what you do. Entertaining, and you're adorable.
    3
  1224. Thanks Never understood collection agencies. This makes everything clear.
    3
  1225. Episode idea: "HOW TO SAVE ON UTILITIES." Inspiration: I work for an energy consultancy, and I input thousands of utility bills into a database for the private sector. I look at my own household utility bills and ask myself: Okay, I know the metrics and science of the data, but how do I know how and when to turn on my lights or use my stove or get the best bang for my buck on whatever HVAC system my landlord installed? I realize this would be including science into a financial subject, but I'm sure you two can manage!
    3
  1226.  @TwoCentsPBS  great response. Right on point.
    3
  1227. New fan. Please continue to do more 'advanced' level economic theory vids so we can understand our spending psychology and how to curb it. In addition to noob level necessary vids like "what investments to pick in your Roth IRA" which are more plain and boring.
    3
  1228. Amazing video - as usual. Very helpful information for my future distillery :)
    3
  1229. I am not even American but I love to watch two cents
    3
  1230. Your content is fantastic, and you both are so charming!
    3
  1231. I loved everything about this. From Virginia with Love
    3
  1232. Great video - to be expected on here.
    3
  1233. Hey Two Cents! How about a video on real estate investing? Or flipping houses! Would love to hear your take and advice on this.
    3
  1234. Excellent video it answered all my questions thank you!
    3
  1235.  @TwoCentsPBS  Nope, just since the PBS Eons plug.
    3
  1236. Where are you going to find an account that gives you 7% interest? I have 3 CD’s opened that only have upwards to 4% with a cap of $3000 and I’ve been doing research on other banks. There’s no other banks that seem to provide better interest. I’ve talked with a few financial advisors and instead of giving me this advice. Their advice is to blindly invest to “diversify my portfolio”. I’m not seeing how I could possibly make anymore money from all of my savings. I’d really need some helpful advice if you have any. Thanks!
    3
  1237. Why do feel they are so underrated though their content presentation is so good? Anyways bro good content presentation and very informative......... Thank you.......... 👌👌👌👌👍
    3
  1238. I laughed and cried with this episode! Ironically, you guys uploaded this right as I got out of a therapy session and it was great to curl up and watch. As someone who is engaged to someone far taller than her, I loved that you have the stool to even out your heights. That would be something I'd need as well! Thank you for sharing this, it brightened my day! <3
    3
  1239. Wow! So well done!!
    3
  1240. I love your references!
    3
  1241. Hot thumbnail! Reminds me of the album cover for Pat Benatar's “Get Nervous”. 😎👍
    3
  1242. I've spent so much already for this online game, I may as well spend a little more.
    3
  1243. Loving your vids especially the special effects, great job!
    3
  1244. You guys need more views.
    3
  1245. This is an absolutely phenomenal video with incredible advice. I appreciate what you're doing!
    3
  1246. Welcome back! I missed you!
    3
  1247. I love you even more for making this video!
    3
  1248. I shipped you two for so long, but somehow missed the obvious. Then I saw the baby episode last night and was like 🤯. It's very satisfying that you're a couple!
    3
  1249. Buying and selling are two things you come across a lot in your day to day life! This video is helpful to realize some tricks big businesses use and how you can use them!
    3
  1250. How do international people can invest in this
    3
  1251. Thank you so much for this! It's a wonderfully clear explanation of a major problem facing our country.
    3
  1252. Video: Taxes Comments: Philip's new tattoo
    3
  1253. Reddit thread at https://www.reddit.com/r/personalfinance/comments/9s3q9q/_/
    3
  1254. ''Only on lunch breaks, right guys?'' sweats nervously Watching Two Cents doesn't count... Right?
    3
  1255. Love you so much! Emergency fund is a must for families, even if you are perfectly healthy/safe something will come for your little one or parent and with it there is some sort of protection. Thank you!
    3
  1256. I had no idea of DOW's existence but now that I do, I think I'll stick to GDP, inflation and unemployment rates and other ways to measure the economy. Also, I'm not American so DOW doesn't matter for me anyway 😂
    3
  1257.  @TwoCentsPBS  Please keep your style, it's optimistic and stands out. I personally enjoy it a lot and click immediately when the new episodes come out. Also, the quickly rising subscribers number tells that you're doing it right.
    3
  1258. Ohhh, my god ! Your first minute was amazing can't stop laughing till now :) Well done :)
    3
  1259. I really wish my 99-year-old (Navy Fighter Ace war hero) grandfather watched this 60 years ago. He OUTLIVED his WHOLE life insurance policy! He had the worst of all worlds - his premiums continued to rise over 60 years to $10k/month last year and he never read the fine print that the whole life policy expires after 99 years of age. He just wanted to guarantee his family would get 1 Million dollars when he passed...he paid more than 1M in premiums alone (not to mention opportunity cost of ANY other investment over 60 years). We bet on him living another year and let his policy lapse, meaning the policy will have zero payout when he passes. It feels illegal and immoral, but apparently ending whole life policies at 99 was common back in the day because they never expected anyone to live to 100. The honorable companies changed the active policies, and the sleazy ones didn't Keep up the amazing work. You two are the heroes we need but don't deserve!
    3
  1260. Love you guys and show too nice!👍
    3
  1261. This is super off topic. I just can't deal with depressing stuff any more. So I'm just going to focus on the hotness of the husband and when did that happen?
    3
  1262. Very impressed by this. Real wisdom here. Thank you.
    3
  1263. I show all your videos to my little siblings, they might hate me but they'll thank me later
    3
  1264. I would be a Home Designer!! or Artist!
    3
  1265. To help deal with this. I have planned and are paying for my own death. By doing this I hope to make things easier for my family. Having a life insurance policy also helps.
    3
  1266. I'm a robot operator /programmer and I can say they are faaaar from taking our jobs. They make jobs more sophisticated and I'll add that it will make a minimum wage job more sophisticated and maybe actually worth $15/hour
    3
  1267. I have seen all your videos.most of the points u guys say are similar to what dave ramsey has stated in his books. U guys are doing great job. Can u guys make video on behaviorial economics!!
    3
  1268. Excellent tutorial. We could all save more money too by just changing our mindset and learn to do with less. Truth is some of the things we spend money on, we simply have alternatives, even the mundane things like paper towels!
    3
  1269. This was uploaded 2 days after my grandfather passed away. We're doing basic cremation and a celebration of life not to only save costs but it's more enjoyable and remember the good times + that's what he wanted. I'm also in Canada so we avoid the hospital bill since we have public healthcare.
    3
  1270. I'm a simple man. I hear multiple James Bond references, I give it a like.
    3
  1271. writing letters to my congress person now to have financial literacy in public education
    3
  1272. deepak kr long-term S&P 500 average return
    3
  1273. I'm sooo guilty of this 😣😣😣
    3
  1274. nice intro, i love it so much thanks for the knowledge Julia & Philip :)
    3
  1275. One day when this channel will have 100k subscribers I will look back at this comment and say that I was there when it first began
    3
  1276. Thank you for the vid a lot of people thinking about panic selling; hope you feel better soon!
    3
  1277. I appreciate that you put marketing and design in the comic sans font. Hilarious 😂
    3
  1278. I get fully unlimited everything for 30$ per month in switzerland, although that's because of a temporary 50% off promo from 2014
    3
  1279. Two Cents are my Financial Heroes!!!!!!
    3
  1280. Two massive thumbs up for writing a deceptively simple-to-write script. I'm going to watch this again, the flow of content, tone and overall mood is just excellent. Huge kudos, I'm impressed. Oh and of course the actual content itself was great.
    3
  1281. wawwww...... nice. video... thanks ..................
    3
  1282. The best channel on Youtube is bringing us the content we didn't know we needed.
    3
  1283. Thank you so much for making this video! I am a new chefpreneur and I have done almost all those things you mentioned when it comes to determining a price. I sell West African Cuisine which has costly ingredients and very time consuming. I have a hard time still determining how much money per hour I am working to add into how much to charge. This helped me to confirm that I am actually doing it right even thought ppl may think my prices are a little high but my quality is great! I hope my demand increases over time. Thank you guys! 💛
    3
  1284. So, in other words, money (and everything trustable) is just a Religion! :P Why do we believe in some (non-)existing entities and deities when we just could trust each other and live happily our own lives? :3 Why isn't friendship the world currency? <3
    3
  1285. Can somebody tell my job this. Were not making money with dollar sliders. On top that those damn coupons.
    3
  1286. Missed u guys. Loved every second of this video. Smiling the whole time....love from Toronto 😊
    3
  1287. Yes. We have for over a decade and we haven't been nearly as bad off as we could've been since!
    3
  1288. Love you guys
    3
  1289. This channel makes my heart, wallet and soul happy.
    3
  1290. And that's our ..... THREE cents!! Awwwwww, that's the cutest ever!!! Congratulations !!!!
    3
  1291. I have a fairly conservative outlook on life. However these guys are pretty balanced overall. The always try to represent both points of view. Great job!
    3
  1292. Great channel, keep it up guys. Your energy is very uplifting by the way.
    3
  1293. This video solved so many questions I had and answered many more I didn't even knew I had!!
    3
  1294. Have you ever thought about the economics of supporting you on patreon? For a minimum spend of $1 all I get is your two cents! That's a terrible ROI... Dad jokes aside, you guys make great videos and produce excellent content. Thank you
    3
  1295. I was teary listening to you, this was so cute. :3
    3
  1296. Thanks guys,amazing content on this channel!
    3
  1297. Lovely video But you gotta admit, this year is bananas
    3
  1298. Damn. This was very eye opening.
    3
  1299. Digging the quarantine scruff on Phil. It works for you my man! As for the video, for many years I was a notorious coin hoarder because the fear of spending it outweighed they joy of saving it (finance majors amiright?). But, given the recent issues with money (and realizing keeping it in a big ol jar was just depreciating its value bit by bit), I figured I'd do my part to return some 'coin liquidity'. I turned $275 of coins into a very elegant pair of Ace Marks woven leather slip on shoes (and $50 on top of that I'll decide what to do with later!). I'm glad I broke that bond of fear.
    3
  1300. Don't forget Knocker-Uppers, who tapped on people's windows to wake them up before the invention of alarm clocks. Great video!
    3
  1301. And bonds ain't got *no time to die*!😏
    3
  1302. MY GOD. Thank you. This... This here... Thank you SO much for covering this. I've been trying to get friends and family to see these EXACT points for SO long, but they simply cannot or will not wrap their minds around it. I'm so grateful that you made a clear, fair, empathetic, logical and research-backed argument for people like me. This is the very real story of my life.
    2
  1303. is this show on pbs? or is it just endorsed by pbs?
    2
  1304. Please do a video on the thrift savings plan 😬
    2
  1305. This video is such an excellent explanation of what I've been trying to say to my friends and coworkers for so long! I love this channel. Thank you!
    2
  1306. This is great
    2
  1307. BEST EPISODE EVER XD
    2
  1308. Best intro EVER!
    2
  1309. I grew up poor. And would add that this cycle continues for lots of reasons including the undereducated status of poor people especially around spending and borrowing traps. Most really poor people who don’t make enough to get through the month can’t face these realities because it’s just too hard and so give up trying to stay debt free. And socialize this way of living into their children. The net effect is economic slavery. Better money education would help break the cycle. Thanks for the PSA!
    2
  1310. Nice earrings, Julia!
    2
  1311. Another great one! I laughed at 4:30 at Phillips facial gesture when Julia mentions Sushi restaurant. There is a story there.
    2
  1312. I don't care. I'm LIKING THIS VIDEO and sharing 2 cents to all my friends and fam! take my info YOUTUBE! Two Cents provides amazing content!
    2
  1313. I love this!
    2
  1314. Great vid. Love MMM and Two Cents - making financial information fun. One thing that is almost always overlooked, is how other assets and side hustles can dramatically speed up the process. Property rentals, for instance, are consistently one of the number one assets people I have met who have gotten out of the rat race employed in doing so. Working on my first couple of rentals and will get me to FIRE far faster than the 25% rule.
    2
  1315. You guys are awesome, keep up the good work! Love the visualizations and your honest approach to all this. Would love to see you guys do something about tax brackets since it seems to be a pretty misunderstood topic.
    2
  1316. Damn, I love this channel :)
    2
  1317. Love u guys. Love from India
    2
  1318. Another winner ! Great session !
    2
  1319. This was so fun
    2
  1320. That is very Sound Advice I think Dave Ramsey makes a lot of his money off selling classes as well and real estate to he owns a lot of it but what a lot of people don't realize I've been watching his videos and listening to him for a very long time you can put the story together I heard in one of his videos him saying that his father owned a real estate company that's how he got into real estate now don't you think after bankruptcy his father probably helped him get back on his feet a lot of his advice is good but it's hard sometimes like they were saying in this video when you have a low paying job to get out of it Dave Ramsey says go earn $10,000 like it's just that easy LOL if it was everybody would do it and there was one time in one of his videos that somebody called in and they had a $5,000 debt he could have easily helped them with the $5,000 it would have been a charitable donation because in his video he said I wish I could wave a magic wand and make your problem go away he could LOL
    2
  1321. Love this channel
    2
  1322. You guys are so cute and helpful!! ❤️❤️❤️ 🤣🤣🤣 I love it! Lol
    2
  1323. Guys, your videos are so well done, so much care... awesomely organized content.. I am in awe! Thanks for inspiring me :)
    2
  1324. I saw extra history 's paper money 6 episode series . This video is not at all misleading but it fascinates me how large amount of events, transitions and things happened in between points told in this video
    2
  1325. Nothing I didn't know, but that was a great video. You did a great job of being neutral and sticking to the facts.
    2
  1326. I've been following your show on FB. Love it! So glad it's on Youtube now.
    2
  1327. These guys are my youtube parent
    2
  1328. Yay! smart Texans! stay weird
    2
  1329. Very entertaining! We'll used puns too. Keep up the great work!
    2
  1330. Run the numbers is always my favorite segment lol
    2
  1331. This is a great video, especially because American carriers - as opposed to European and Asian ones - charge very high prices for mobile Internet usage. Every American should consider the so-called MVNOs (Mobile virtual network operators). These are smaller carriers that use the networks of larger carriers, but charge you significantly less and are much more flexible. You basically use AT&T, Verizon, T-Mobile whatever without paying their prices or are stuck with their contracts. Very few people know about these, but you should. There are plenty of options out there which are low-cost, reliable, and no-contract. My wife and I use PureTalkUSA (but you can pick plenty of others too) and we pay about $40 (including taxes and fees) for two lines. It's still not as cheap and good as you can get in Europe or Asia, but it's infinitely better than what the big carriers offer.
    2
  1332. Thanks for being a shining beacon of hope when all I see on the internet is confusion and bad news.
    2
  1333. I like the video before I even watch it
    2
  1334. I'm still at the intro but I'm loving this already
    2
  1335. This is GREAT!!!! 😀😀😀😀
    2
  1336. 50% dislike ratio.... Guess what gender didn't like this? 😂 Why are we as men so butthurt to hear women's problems?
    2
  1337. I really think this is your best video, it sounds so simple, thank you MTC !
    2
  1338. Your video's are amazing
    2
  1339. That actually made me feel more confident about the skills I already have. Having a non traditional career path and learning from the different companies I've worked with and for certainly helped me hone those various skills and showed me the stuff that could go wrong (and how to avoid them!)
    2
  1340. shouldn't the formula for P/E = current price/earning per share?
    2
  1341. What an amazing video and you guys really did a great job at explaining each. Helps put my mind at ease switching from home owner to renter. Love you two, keep being amazing.
    2
  1342. Like the exact question, I had in mind right now. And Boom new video right here.
    2
  1343. Thank you so much for providing context and a measured, rational review of economic stimulus. I especially appreciate the non-gloomy ending. It's so rare to hear these days!
    2
  1344. Under 301 club! Great video btw
    2
  1345.  @TwoCentsPBS  no way the creator of the video replied
    2
  1346. Money plays such a big role in why couples fight, which eventually leads to break ups. I think every couple should investment in a healthy relationship by doing a least one financial therapy session like this before marriage and after having kids. Thanks for being vulnerable with us.
    2
  1347. Love the mustache, don't love inflation
    2
  1348. How creative is this video 💡💡💡💡💡💡💡💡 Love u guys
    2
  1349. Instead of juice or soda we order sparkling water with free squeezed lemons! Way cheaper and healthy
    2
  1350. My new year commitment is financial Independence! As for the gym, I'm a regular once a week with company benefits and I dreaded going for January. It's always packed for a couple of months until it's not. Oh and add in a 7 minute workout to start the habit instead of paying for a gym. Much more efficient than trying to convince yourself to commute to a different location and then feeling like you have to commit a ton of time
    2
  1351. I'm hollering at the 1st few seconds 😂😂😭. It is always a guy
    2
  1352. Do you need a credit card in the US?
    2
  1353. Thank you Two cents! Love your videos so much! 💓
    2
  1354. Kudos for showing the correct silhouette map for India.
    2
  1355. Thank you for the video, what tools would you recommend to "get organized" when someone has a bundle for all their savings?
    2
  1356. I've been waiting for this. Thanks two cents!
    2
  1357. In India children take care of their parents in old age usually...So it's not that difficult lol.
    2
  1358. Very nice!
    2
  1359. Thank you so much!! I've been really concerned with about this topic for a long time.
    2
  1360. Its pronounced "dah tah
    2
  1361. I think this may be the best channel on Youtube. Fantastic videos and entirely educational without being condescending.
    2
  1362. Thanks for maintaining such professionalism during these trying times. I look forward to a quick and speedy health recovery so that your excellent content will continue.
    2
  1363. My issue is I hate cooking. Like even cooking hamburger helper stinks to me. Because of all the dishes. I have been trying to break this habit.
    2
  1364. Love ur video s by now I have seen 50 cents worth videos.
    2
  1365. In general, I adore your research and presentations! Thank you for sharing sound economic acumen with all of us. I'm proud to be a Patreon contributor that benefits your content. I love what you are doing and look forward to every video.
    2
  1366. I have an arts degree 😂😭
    2
  1367. Excellent script with BONDage that will never break. I always was shying away from this instrument. I learned about it today. The key is the '' guarantee '' isn't a guarantee by itself. If it also can go bust. I might aswell play the Casino Royale... 😂
    2
  1368. Well done, I think I'll love all the video you'll do. I trust and gona buy everything you promote... 🤔🤗👍
    2
  1369. Wooo! Another video Keep these coming.. Don't stop. I love all your videos!!
    2
  1370. The budget template looks great. I'd definitely use it. Thanks for always producing high quality content and providing great smiles. You two rock!
    2
  1371. I watch yall all the time, and honestly I think this is your best video yet. I love that you were willing to be so open with such a difficult topic. It truly IS important to destigmatize therapy, especially around financial issues. Good luck w the price increase. You're worth it!
    2
  1372. Good Information and great editing. Nice job.
    2
  1373. almost didnt watch this video thinking i knew the answer but the ratio thing and living with older ppl stuff was completely new to me
    2
  1374. Relationship Goals.
    2
  1375. Loved the intro! Thank you for this. Index funds next (my personal opinion of course not a demand)!
    2
  1376. I was anticipating this video for quite a while
    2
  1377. Twocents listens to my suggestion! An insurance topic!
    2
  1378. 48.61 (!)
    2
  1379.  @TwoCentsPBS  noted. I am going to double, triple, check the notification button is "on" . :) P.s. Greetings from Prince George's county outside Washington DC. We are the wealthiest majority black county in America but also the most affordable DC suburbs these days. It gets interesting what folks have to say at public hearings.
    2
  1380. Wish I had seen this before I bought my new car @_@
    2
  1381.  @TwoCentsPBS  Oh my Word! Thank you so much! :)
    2
  1382. Yayy new video
    2
  1383. Just discovered the channel, God guys you are so great! Keep it up I'm so happy I'm learning so much with all these great quality videos!
    2
  1384. Really interesting episode. Thanks
    2
  1385. “Go wash you hands.” 🤣
    2
  1386. This is a game changer for me, thank you so much
    2
  1387. I laughed out loud and learned something, fantasic!
    2
  1388. Thank you so much for your videos! I’vve watched almost all of them, but this one really resonated with me the most. I’m currently an accountancy student and I’ve always been interested on investing on bonds cause the stock market makes me too anxious! One of my finance courses only covered this briefly, so I’m really thankful for clearing stuff up for me! Definitely gonna do more research hehe. I appreciate the puns btw!! Makes finance topics less daunting (even though I’m an accountancy student LOL)
    2
  1389. Wow, amazing. Thank you for sharing, I have also struggled with raising my prices so this hit home.
    2
  1390. Can I just say. I love your videos!
    2
  1391. Very well explained again!
    2
  1392. You are my saviors!
    2
  1393. I'm here because Joe Hanson told me to be. Nice last name!
    2
  1394. My gawd this show is absolutely brilliant. Love from South Africa
    2
  1395.  @TwoCentsPBS  You maybe could try to ask for subvention. That could even been supported by ministry of justice or economy if you keep doing it from common sense... they surely have budget to support such content...
    2
  1396. Thank you for putting my life in perspective
    2
  1397. nice vid
    2
  1398. Love this segment. The theme, the lessons, everything!
    2
  1399. You guys are amazingly informative! Thank you for what you do. Love you guys. Happy Holidays🦃🌲🍾
    2
  1400. You’re stache is legendary
    2
  1401. What an amazing thumbnail 😂 Another great video from you guys!
    2
  1402. Even with the interest doesn't it's not gonna be more than $100 a month. Parts are cheaper as well for a usd car with several years on it, even if it's the engine or transmission that needs to be replaced. AND you forget insurance is waaaaay cheaper
    2
  1403. Your both so brave for going and also showing everyone. This will inspire many to be more open towards there finances.
    2
  1404. I'm 17 and love your videos, can you please make a video about F.I.R.E.?
    2
  1405. How can someone invest without using a brokerage company
    2
  1406. This series is AMAZING! Please keep doing it!
    2
  1407.  @TheEgg185  Buddy you clearly don't understand how statistics works. Do you know what the Law of Large Numbers is? As you increase the amount of data points, noise is no longer a factor. The confidence interval on n=1800000, which is what the payscale study is, is less than .008 on the delta, meaning that the sample that they have is correct for 95% of cases (2 standard deviations), with a total margin of error being .008 of 2%, or .00016. So the pay gap is actually 79.2 +/- .00016. The tableau data is right there to verify my work, if you really know how statistics work. Based on your other comments you're obviously just a sexist looking to back up your sexism facts be damned.
    2
  1408.  @artturieramaa5575  No it isn't. Go take a look at the actual study cited, look at the full context, and stop parroting bad statistics, which is the same thing you're criticizing Two Cents for doing.
    2
  1409. Can you post your videos in hindi
    2
  1410. Thank you for making this video. I learned more than a few things. In delving deeper in our knowledge and practice of the teachings of Christ, my family is gifting meaningful gifts. While we donate this time of year, I realize we are still spending more on material gifts than charities and causes. Next year, I want to inverse that. Maybe our gifts will be donations in the names of our loved ones. I read somewhere the average American household spends about $1500 on gift buying. Imagine if 90% of that instead went to charities. Then when Jan. 1st came, it truly could be a new year for many, many people.
    2
  1411. Are mutual funds only for retirement? What number return do they have? What are the risks like? What’s a short simplified definition of a mutual fund? Any help you can offer for someone who doesn’t understand mutual funds still after this video?
    2
  1412. This channel should be seen by all teens!
    2
  1413. Everybody gets a like !🤗
    2
  1414. Officially my favourite channel even though I'm in my teens and don't need to use this information yet.
    2
  1415. Best. Video. Ever.
    2
  1416. Great video as usual! When ever my wife and I go out for food we typically only order one soda as they’re usually free refills. She was total embarrassed with this at the beginning but for $2.99 for a fountain drink at restaurants this is a big savings!
    2
  1417. A lovely channel you have, helping me with my econ courses and personal finances.
    2
  1418. I hope y'all are staying safe over in Austin. People ignore history and how it affects us today. They think everything happened a hundred + years ago, and don't take into account the continued undercurrent of racism and oppression. Look at who is getting power back and having it returned vs who is staying in the freezing dark right now in Texas.
    2
  1419. That "*my* two cents" really hurt. I hope that you can get together soon. Best wishes.
    2
  1420. Amazing video!
    2
  1421. Just discovery the channel, enjoyed the content and subscribed. Want to register that they have only 19k subscribers now, but I'm absolutely sure that with this quality the will get to million really fast! I'm from Brazil, btw :)
    2
  1422. Gosh, this is so incredibly helpful! Your videos are so informative and wonderful you would think this information was being kept secret from the general public! So many dots connect in my mind as I watch. Thank you so much!
    2
  1423. 🤯
    2
  1424. Guys I know I've said this before about one of your videos and no doubt I will say it again about a future video (because you two have such great videos) BUT... This is your greatest video; thank you. I love it because you do the math in front of us and keep it simple so we can see the evidence behind your advice. Plus it's ALWAYS realistic/practical advice, you guys never advice us about offshore accounts or what to do with our million dollar trust funds.
    2
  1425. Nice shirt. Wishing you both a safe time through all of this.
    2
  1426. I ❤️ the both of you! Thanks for sharing solid and sound advice 🙌🏾
    2
  1427. By the way, ur videos are awesome.. I know PBS studios is part of it, but y'all deserve much more people subbed to the channel
    2
  1428. You two are so charismatic, I love it :)
    2
  1429. Amazing and we'll shared information, as usual.
    2
  1430. Thank you for the insights. It's so easy to lose perspective when things feel as they do now. Also, I can't wait for next week, to see Julia say she's doing okay. I'm sure I can speak for everyone around that we wish both of you and you're baby are alright.
    2
  1431. Great intro!
    2
  1432. "Go warsh you hands" That's how I say it too!
    2
  1433. Great content. Ya'lls videos are required homework for my kids. This one will give them a moment of pause before passing judgement.
    2
  1434. I have just wrote a paper on this. Teacher thought it was cool.
    2
  1435. WOW...... You guy's are the BEST explaining what it's like to become a entrepreneur in the REAL world. My father was one.... and briefy explained to me everything you just posted ( word FOR word ) about 30 year's ago when I was in JR. HIGH SCHOOL. It's a RISK to face..... because there are POSITIVES and NEGATIVES when you work for yourself. I work for a employer, I am just HAPPY without the STRESS..... and LIVE a happy life using my creativity mind to work outside the place of employment when necessary.
    2
  1436. love your show
    2
  1437. Run 🏃‍♂️ the numbers! I love it 😂
    2
  1438. What an inspirational video!
    2
  1439. You can "reefer" zing
    2
  1440. The thing that you share on youtube for free, i am thankfull. Your vids about car really open my eye.
    2
  1441. Very well put together video. I went to community college for 1 quarter after high school and I just didn't feel the vibe. In American high schools, there's so much "hand holding" but when I entered college. I felt like I was completely isolated. I dropped out. But now I work at a casino and make really good money with no college degree or student loan debt.
    2
  1442. Ah! Means so much that you guys shared this experience with us! Feels really powerful to witness you both in that experience and fantastic that you're highlighting this type of therapy that others might not be aware of! 💗
    2
  1443. So happy for y’all! And I wish my mom Would’ve taught me more about money
    2
  1444. Hello! I love your videos!!! Would you be able to do one on when to invest in real estate (plots of land, etc) vs the stock market?
    2
  1445. Another great video that speaks nothing but the truth. Did you guys re-publish the video? I feel like I've watched it before or something but it says published today 9/11.
    2
  1446. First comment :-) Love you 2xents
    2
  1447. So happy you guys are back!
    2
  1448. Very informative. Thanks guys
    2
  1449. I love these videos they are so helpful. Also like your mustache.
    2
  1450. You guys have amazing content. Subbed!
    2
  1451. Love the channel I've watched every video several times and have shown my friends please moar!
    2
  1452. I was awaiting your video..
    2
  1453. Love it. You can tell they had a lot of fun making this episode
    2
  1454. Best financial education channel in YouTube 😄
    2
  1455. This channel is quickly becoming my favorite. I just love you guys. Your video are very informative and fun
    2
  1456. I clicked a finance video, got to watch an horror show!!!! Scarry!! (Joking, great video, but jokes aside, I'm really not wanting to be an entrepreneur now)
    2
  1457. Hey Two Cents! Just wanted to say that I am learning so much from y'all with me trying to being investing. Yesterday I binged watch all of your vids at 2x the speed of the videos and I am already feeling more confident in knowing what I need to do. Keep up the great work yall.
    2
  1458. I'm a man and have been Blue Collar all my life and must say this is absolutely true ! Many men will disagree to this and or say I'm a suck up or whatever you wanna call it . But look at the society of men today . Not only are they failing their women & children , they're failing society as a whole . Of course I'm not referring to every man walking planet earth . But I will say a huge portion are becoming weaker and weaker and dumb and dumber. How can anyone have a animosity towards any women that are working harder and gaining higher incomes . Are we not seeing what men have become ? Men instead of bringing home more money want to do lesser hours at work so the remaining hours are spent on playing video games , watching sitcoms , porn , driving monster trucks around their local neighborhood all-day to impress people , driving dirt bikes etc... And if a man is making more money these are the things men blow their money on . A man will make a check over a thousand dollars and spend 700.00 of it on a brand new guitar to jam with his buddies in the garage all-day (when that could be extra time spent with his wife and child being he works so much and doesn't see them as is) Most men are terrible investors . Investing money in things I've mentioned above that give them no return on their investment but a joy of pleasing their idiotic buddies just like them .They won't invest in anything that will bring more money in . Sorry but playing a guitar in your garage while drinking booze and riding monster trucks around all-day after work doesn't bring any extra income in at all . In fact it's making you look like a fool . Overall great video and cheers to all you women out there on the grind doing what these weak men should be doing .
    2
  1459. This was the best intro on your channel ever.
    2
  1460. Another great video! I never knew the details of what my credit score was based on.
    2
  1461. I can recall two instances during my childhood in which I or my sister ended up with a soggy bowl of cereal and my mom forced us to finish it so it wouldn't go to waste, despite our sobbing. The sunk cost fallacy is a taught and ingrained mentality.
    2
  1462.  @TwoCentsPBS  Oh dear, I feel personally called out, haha. I hate starting a book and not finishing it, even if it's bad. I once read the entirety of Catcher in the Rye in one sitting because it was so boring that I knew I would not be able to pick it up again if I allowed myself to put it down.
    2
  1463. OMG How I love this channel.
    2
  1464. Good job Mr. Olson.
    2
  1465. Greatly appreciated 😊
    2
  1466. The moostash actually works for the bond look 😂 you have to be bond everyday now 😎
    2
  1467. i am in love with this channel and everything it stands for
    2
  1468. Love from Amsterdam❤️
    2
  1469. this is like psychology for economic, she listen to your fear and worry. and tell you how this relate to economic aspect.
    2
  1470. Dave Ramsey would like this video
    2
  1471. I think you guys deserve some more appreciation for the animations and content👍
    2
  1472. I love this so much.
    2
  1473. Ahhhh I really wanna be a patron, but I don't have the payment method available to me. Also, to answer the last question on the video, I learnt it from school, it's about economy system tho, not much about finace management
    2
  1474. Another awesome video guys Keep up the good work.
    2
  1475. 1111 viewer with 111 likes
    2
  1476. Space Time and 2 cents collaboration because... reasons :P
    2
  1477. For someone who's looking forward to be retired by age 40, this was much needed! Thanks!
    2
  1478. I jus started to save every Dollar i find while exercising im on 10 Dollars in change saving already
    2
  1479. I knew so little about personal finance that I dove in headfirst and made it my whole career. #MoneyNerd Now after a couple degrees, certifications and experience helping others with money, I love sharing what I’ve learned with whoever will listen and apply the knowledge! -Akeiva
    2
  1480. 1:30 Market consolidation at its finest.
    2
  1481. wow! just learning the history of different savings accounts is so fascinating, and seeing where they will go next is going to be very interesting to watch.
    2
  1482. Nice video as always
    2
  1483. LOVE IT! What a fun way to teach about bonds, savings bonds! Great job Two Cents!
    2
  1484. THANK YOU for doing this. You're doing America a huge service. That INTRO! - loved it.
    2
  1485. My favorite educational channel! So down-to-earth.
    2
  1486. Awesome! This is what I do; have an hdhp and save into an HSA. I have very few health problems and get a cold maybe once or twice a year. Great advice!
    2
  1487. I really like your channel. Love form India❤️
    2
  1488. Please keep the videos coming! Saw this on reddit and enjoyed all of the videos!
    2
  1489. I love you guys so much. Y'all brighten my day with every upload! 😃
    2
  1490. You guys are awesome. Can you please make a video on house refinancing?
    2
  1491. Congratulations on the 500k Really invested*hah* in your channel, youve taught me alot even if I'm across the Atlantic from Scotland! :) I also love to dance.
    2
  1492. This is one of the best videos you guys have published so far. I am a freelance graphic designer and I have a Skillshare course on this topic as well https://skl.sh/2REnjzM I set my price based on the market data and see what the client is willing to pay. Mostly I set my rates just based on my confidence (basically how much I believed and how comfortable I felt charging for my services) but looking back now I realise that those past rates were way below the average market rates. Fast forward 7 years (until today) and I feel more comfortable setting my rates higher than the average.
    2
  1493. Happy to see run the numbers coming back in all the recent vids ❤❤
    2
  1494. I’m guessing they frequented olamaie before this.
    2
  1495. Just got to say, nice mustache
    2
  1496. I hope you all are well. I hope Julia gets better. Stay safe everyone.
    2
  1497. two things I like most about two cents 1. the topic you discuss is simple and valuable. and they way you speak, make us understand every single word. 2. the theme music. I simply love it. two cents my favorite channel thank you
    2
  1498. Great Video! Can You Guys do one on Dividend Stocks?
    2
  1499. Love your videos!!
    2
  1500. This was really well done and clearly explained. Great video!
    2
  1501. You guys are giving Ray of Hope... Very good work
    2
  1502. Julia, I send to you my best wishes for a quick recovery, free of virus!!!
    2
  1503. Thumbs up for facial expressions!
    2
  1504. Wow, that was incredible guys! Really appreciate the courage to allow us to enter in such a vulnerable, intimate & private moment of your lives. I noticed a few tools the therapist provided you with and learned to appreciate their work and yours even more! I say... raise them up!!! lol Lastly, it's funny how I also developed an image of people with money as you. Most of the people with money are bad! Not true!!! You two as a perfect example of that... Excellent work and please keep it up! :)
    2
  1505. No more puns! C'mon!
    2
  1506. Ahhh i love ur channel
    2
  1507.  @TwoCentsPBS  Millennial goes up to 35 now.
    2
  1508. Your comment about knowing how to cook hits the nail on the head for quite a few young people. How about a few suggestions on sites, clubs, businesses, etc. that someone could go to in order to quickly and economically learn how to cook or add more variety to their abilities? Just a thought. Thanks again for all the great advice!
    2
  1509. Best channel on youtube is back with a vengeance.
    2
  1510. This video is very informative! With the editing skills and personality you two bring, this channel will get big in no time.
    2
  1511. Love you guys! Thanks for the education! You guys are sorely needed in today's economic climate. People are not smart with their money, and I hope that your short videos will help!
    2
  1512. I currently rent in Austin. Thanks for validating me!
    2
  1513. This video is awesome and so necessary. Thanks for sharing your emotional money journey. This channel has been a big help to me realizing my own assumptions, stories and mistakes with money.
    2
  1514. I am glad you broke this down. Folks just don't understand how mediation can do wonders!
    2
  1515. I love how inclusive they are!
    2
  1516. Thanks for sharing this thoughtful and informative experience. I appreciate the vulnerability! Your work makes a HUGE impact! :-)
    2
  1517. Whoa looks like the ‘stache has a new partner! Looking good!
    2
  1518. Congrats on 500k, you guys are high-quality and deserve every sub.
    2
  1519. I'm glad I live in a country where medical care is already paid for by my taxes.
    2
  1520. Always a delight to receive a new video from you guys in the subscription box :) Managing money is truly something everyone can learn more on!
    2
  1521. Happy new year I really liked your mustache :D Best wishes for you
    2
  1522. Two Cents yay! And I just wanted to mention that the time spent on the unenjoyable movie for leisure has opportunity costs as well as the $6 rental, so y'all are doing good
    2
  1523. Survey lemur 😂
    2
  1524. Finances made easier to understand and a lot less daunting, and with lovable, heartwarming personalities to boot <3 !! This channel is what so many young adults not knowing where to begin could ever want and could wish for! So happy you're here :D
    2
  1525. I work as a financial advisor and I LOVE your channel. Not only does your channel give me the right verbiage to say to my clients BUT you're providing a huge service to people who genuinely need it. A client of mine made a comment once that sticks with me. He said he's poor because he's not paid enough and his $5 coffee occasionally won't fix anything. This is one of those death by 1,000 cut things. No rational person would spend the money they do eating out up front. MAKE A BUDGET AND GIVE EVERY DOLLAR A NAME.
    2
  1526. Amazing informative content
    2
  1527. I'd have a meal with you guys, just for the conversation. Alcove in downtown roundrock is pretty nice. 😊
    2
  1528. I just realized I've been calling the DOW wrong for all these years. I used to say it like "dough" .... I've mentionned the DOW at least a 100 times during presentations, too. Another great video guys. Thank you doing this - it's really crucial meeting.
    2
  1529. Wow this is so good!!!
    2
  1530. This is one of my favourite shows on YouTube, I love that intro!
    2
  1531. I needed to hear this today more than you realize. Thank you, thank you, thank you! 😁
    2
  1532. Good stuff guys! Thanks for all you do and hope parenting is treating you well!🍻🎉
    2
  1533. Looks like there's a bunch of butt hurt men in the comments who are shocked that the female host of this show had the audacity to speak about financial issues that affect women...
    2
  1534. So the dow only concerns American investors?
    2
  1535. You always give us the gift of sound advice Two Cents. Merry Christmas!
    2
  1536. This series is AMAZING! Please keep doing it! Can you tell us what to consider when buying a house?
    2
  1537. Very good video 👍
    2
  1538. I NEEDED THIS VIDEO!!!! I knew what opportunity cost was roughly, enough for me to drop out of college, but I didn't know any vocabulary or details. Thank you!!!!
    2
  1539. You guys do a beautiful work!
    2
  1540. You guys are wonderful. Your content is so concise, polite, smart, and relevant. I always try to tune in to the latest. Thanks.
    2
  1541. The intro tho!!!!
    2
  1542.  @TwoCentsPBS  My luxury is that I live in an apartment building that manages its own garden (AND SNOW SHOVELING), so no lawn mowing for me, whew! Dusting remains the worst.
    2
  1543. The market will be stable until the government is showered from some WITH LOVE FROM RUSSIA
    2
  1544. The only Patreon I’ll ponying up for. Y’all are just too good ❤️
    2
  1545. You managed to explain something very complex in a very clear way. Congrats!
    2
  1546. Thanks guys for creating content to understand financial things very easily. I would love to see more in future.
    2
  1547. Well time to send this to my boyfriend. He never believes me how much it actually costs, because "oh, Chinese is only $12" but that's a lot over a long time.
    2
  1548. i love these two and they help me so much!
    2
  1549. First time checked the description 🤣 Written by: Philip Olson
    2
  1550. You should write books on finance. Because most of us are confused by celebrated experts. Debt is in between good and bad. Always keep monthly payment below 20% and plan repayment accordingly before the period.
    2
  1551. That was the best intro ever
    2
  1552. Fantastically well thought videos. I enjoy the duo’s synergy and writing. I hope to see more from this channel.
    2
  1553. You guys are awesome. Time to make changes on my whole life. It’s sad that it took this show to understand the breakdown.
    2
  1554. Good content AND no misogyny reference! Yay!
    2
  1555. Excellent job on this video! Came from a poor background, am now living a middle class lifestyle. It's so refreshing to hear someone speak about negative financial forces around poverty that I thought were NORMAL growing up, and how if you are not careful, they will conspire to keep you poor or in debt.
    2
  1556. I just found this channel and being a Dave Ramsey follower I have to say I love your videos
    2
  1557. What did you mean by "you're already paying fees for an advisor" if you're investing in 401k sponsored by an employer??
    2
  1558. are these two married (together) in real life?
    2
  1559. the ending was cute😄😄.. love the video and I feel like it's true lol.. I work in a warehouse with a mostly men my income isn't great but I almost bet that my finances are better than all of them lol
    2
  1560. Love how you explain it! 👍
    2
  1561. From Egypt: I love you guys 👌🏼😊
    2
  1562. Thank you. Not just for this video but for every video. You are dealing with changes too in one way or another and still you inform us on ways to become financially healthy. I appreciate it. Happy Holidays to you and yours! 💘
    2
  1563. Loving your videos! Came from "Deadly Flu Virus". <3 Subscribed!!!
    2
  1564. As always great videos!
    2
  1565. yay your back!
    2
  1566. Guys, think you hit on a major problem (getting started is scary) but didn't really offer a solution? Could you do a similar video on a brain hack to get the ball rolling rather than how to keep the ball rolling, so to speak?
    2
  1567. Your best episode yet.
    2
  1568. This is a morbid topic. Lol 😂
    1
  1569. I'm an aspiring voice actor. I'd throw myself into auditioning, coaching, webinars etc.!
    1
  1570. Literally checking gym membership prices yesterday. Woah!
    1
  1571. I just love you guys! 💕
    1
  1572. Your channel is just 3months old! It's look decent and informative! Keep slaying 💛
    1
  1573. Love you guys ...vids are so good, informative n eye opening..good bless
    1
  1574. Many looking on Germany and thinking it's pretty strange that we still pay so much with cash. But there are actually some benefits to it :D
    1
  1575. Okay. I needed to see this.
    1
  1576. Good video. I am dealing with the same situation and it is not good but I'm gonna keep my head up.
    1
  1577. Engagement
    1
  1578. Man, your kid is going to be a finantial ginius 🤑 Btw, proud to be a Dane, seeing my country on the list🥈
    1
  1579. wow!!!!! thank you so much for making such a video without any hidden political agendas behind it! really never thought of it like this and no one ever talked about it like this too. thank you again
    1
  1580. Always happy to see you both :D stay healthy Philip & Julia :)
    1
  1581. I totally didn't move my hand with the sound of the fly (I'm wearing headphones).
    1
  1582. Dear lord! This is probably one of the BEST videos you have done! Now I know why I feel and act the way i do towards money and why it can be a problem around others. YUP! I'm a hoarder and it can be really hard to do something fun for myself sometimes even though i know i can afford it. Now i can start to think how to tackle that! THANKS!
    1
  1583. I think you should use 5% which is a more realistic average yield over time without incurring significant risk.
    1
  1584. Very sobering.
    1
  1585. Glad I found your channel 👍
    1
  1586. _"Know thyself before choosing the installment plan"_. Thanks so much :)
    1
  1587. Thank you so much for this video. I highly appreciate it.
    1
  1588. Woah there Sparky!
    1
  1589. Good video and very helpful for those of us who hope to find that special someone
    1
  1590. I'm illuminated! :) What makes it complicated is also the concept of tax return. How does that work?
    1
  1591. That was beautiful. Thank you.
    1
  1592. What happens if you don’t pay medical bill? I heard it doesn’t effect your credit score. Sorry if it’s a stupid question
    1
  1593. Congratz guys, God bless
    1
  1594. Hi guys, I love your videos :)
    1
  1595. I just wanted to say I really love all of your content! It's super real
    1
  1596. Decision Fatigue and Scarcity Trap- WOW awesome terms to know. Can’t believe I’ve never heard them before.
    1
  1597. Sergey Dazzle this happens to me every time they post!!
    1
  1598. I'm currently in a 2 year AS program at a state college, state colleges are great too because they receive state funding BASED ON POST GRADUATION EMPLOYMENT. So they are incentivized to make you as employable as possible after you graduate. At $15,000 tuition and a $40,000 per year starting salary it's one of the highest ROI degrees my school offers
    1
  1599. Thank you...really I mean it. Thank you. This is great info. I'm going to do this.
    1
  1600. You guys are revolutionizing the financial education that people can get...bravo
    1
  1601. Gold is a topic you'll need to cover next with the Coronavirus causing markets to crash. Loving the new intro guys! XxX
    1
  1602. Amazing work. This goes beyond money but how we use money, how we see ourselves and how we move according to our experiences and beliefs.
    1
  1603. I'm exactly the person in this video, this video has changed my perspective quite a bit. One personal question, if I plan to migrate, should I still consider it and what's the best way going about it
    1
  1604. Do a video on the effects of the minimum wage increase
    1
  1605. Darnn i would really like to become a patrion at the moment because you guy's truly deserve it, i look forward to join the other's very soon tho!
    1
  1606. Youtube’s cutest couple
    1
  1607. First minute in and Philip is already picking up dad jokes
    1
  1608. The title is SO right! The truth about them was ugly. I always love watching the fun and educational videos from Two Cents!
    1
  1609. Ouch!! It needed to be said! Great video as always!!
    1
  1610. Congrats on your new baby!
    1
  1611. You two are wonderful. Thank you so much for all you do!
    1
  1612. This was well thought out! Great info! I know that this will be beneficial to many people during this time.
    1
  1613. Get well soon Julia! May you and the market recover soon! Stay safe and well everyone 🙂
    1
  1614. Genius as always 🥰
    1
  1615. awesome Two Cents
    1
  1616. 4:23 got me dying!! cause I thought of Mr. pink when I saw the title of the video xD and wasn't expecting that movie scene reference! HAHA plus, you guys are the best! I wish kids in high school could watch your series 5 times a week! keep it up! btw your mustache is always on point! #NeverShaveIt
    1
  1617. Lol when you started describing the Engineer i was like "Damn they got me 😅"
    1
  1618. I'm one of those people that greatly benefited from watching your videos.Thank you. At the start of this crisis, I put together a 3 month spending plan. I can proudly say that I removed a lot of items from the discretionary list. Left with Spotify and Netflix
    1
  1619. That thumbnail is legendary! 😂
    1
  1620. Love it! First of all, hats off to you for using LGBTQ+ couples in your examples. It's very much appreciated. 😍💖🤗 Secondly, I agree that it's up to the individual couples to figure out what will work best for them, and until they do, to use you two as a great example to get started: join forces but keep separate Fun Money Jars (or envelopes) One of the lesson I always share with my members is the psychological importance of having a Fun Jar (for that instant gratification) that will then motivate you to 'feel good' about your money and ... make you more excited to put money in your Grow Jar & Goal Jar (for delayed gratification) to help you really become a true master of your money. Love, love, LOVE each episode Two Cents! Thank-you for all you do for all of us! Big BIG HUGS!
    1
  1621. I'm willing to pay a higher fee so Phillip can get a fashion makeover.
    1
  1622. That necklace!!!!! <3 <3
    1
  1623. It's good to remember that "bond mutual funds" can include subprime and risky derivatives that caused the Great Recession. Look at the composition carefully, they aren't all stable investment options!
    1
  1624. In Holland eating out is an event and fun because we dont do it that often. We make dinner ourself. Collegues will ask you at the end of the day: he what are you making for dinner tonight 😅
    1
  1625. Awesome, well-balanced advice!
    1
  1626.  @TwoCentsPBS  yup. Been following you guys since last year!
    1
  1627. Watch Ask A Mortician for better info on this topic. Embalming is an OPTION, not a requirement, and it involves toxid dhemicals. Viewings can be done before cremation, which while still not environmentally wise, is dar less toxic than embalming - plus it's less expensive. Most Funeral Directors are there to get you to spend more money than you have to. Again, I cannot emphasize Ask A Mortician strongly enough.
    1
  1628. Great video, glad to see you covered this! I think discussions about the federal reserve & inflation lead into discussions around supply vs demand side economics. I.e. why is growth seen as the counter balance to inflation for the Fed. This is also something that there is a LOT of confusion & ignorance about in the general public.
    1
  1629. Nice video ! I love how informative your channel is :)
    1
  1630. You guys are such a Ray of sunshine! The only bad thing I can think of is having seen all your videos now so have to wait 😅
    1
  1631. Seriously impressive opening animation.
    1
  1632. 440$ per month for insuring an individual?? What would the take home pay per month be , for such an insurance deductible? Is it lesser for people working minimum wage ?
    1
  1633. I love your channel. You guys are very informative and funny as well. Congratulations on having a baby!! looking forward for more videos from you guys. 😊
    1
  1634. Thanks for still making a video! It did feel way more lonely without Julia but I hope you guys are doing well💛 Stay strong
    1
  1635. I'm now just discovering this channel. But I'm really subscribing because I love the content & your with PBS. I grew up watching mainly the PBS channel. 😊
    1
  1636. You goofballs. :)
    1
  1637. Do you think you'd ever do a video on the process of building a house?
    1
  1638. Holy hell thanks for the vid. Verry helpful
    1
  1639. Good job on whoever wrote the script! All puns were great!
    1
  1640. This page has helped me manage my money wisely. I also just finished reading "Misbehaving" by Richard Thaller after you guys recommended it. Thanks a lot for all the help and excellent production work!
    1
  1641. Preach! It took me a long time, too long, to realize how expensive it is to eat out. I started cooking at home, investing in just buying ingredients to cook new recipes, and took the plunge to buy little kitchen things I needed (like a steamer basket and tongs). I have saved SO MUCH MONEY without really thinking! Now that I'm getting more confident in the kitchen I notice that I no longer feel the need to eat out in order to have a meal that isn't pasta. Now I eat out as a treat or a planned weekly event :)
    1
  1642. You are the Best couple I have ever seen!!!... Great video guys!!!
    1
  1643. I always learn something new with you guys! It's nice to know what the DOW actually is now, Thanks!
    1
  1644. I didn't buy anything this year for Black Friday or Cyber Monday. I had all my Christmas shopping finished by then. The earlier I can get the Christmas shopping finished, the less stressed I am and the more I enjoy the month of December. I also use a holiday account at my bank to stash away month every month all year long, so I am not stressed about finding the money to pay for Christmas either.
    1
  1645. Very interesting! This video reminds me to financially support my favorite YouTubers.
    1
  1646. Get well soon! Lots of love from Edmonton 🇨🇦
    1
  1647. Fantastic video, with great points.
    1
  1648. excellent presenting and animation! Interesting, great video
    1
  1649. Can I just say I loved Phillips shirt in this.
    1
  1650. This was the best video you had so far. Interesting!
    1
  1651. Love your show, very informative about investment! I wish you all the best in growing your wealth and creating a balanced portfolio! A girl from Hong Kong
    1
  1652. The best channel on Youtube bringing hope to the masses!
    1
  1653. 🤗💖😍Another great video that takes a complex financial topic and breaks it down into bite-sized, digestible pieces. That's why I always recommend your videos to my financial education for kids parents. I teach them how to help them grow a healthy wealth mentality in their kids (and themselves), teaching them things like goal-setting that actually works, and how to stop that negative self-talk in our heads that holds them back and then I can rely on you both to help me teach the basic financial literacy foundation. It's so wonderful ... Team work makes the dream work, as the saying goes! Great video, look forward to your next one. Will share this one with my members for sure! 🤗😍😍
    1
  1654. Thank you for that video! I subscribed at 2 min and hit the notification bell when you said "Scarcity Trap" (I knew you were legit)
    1
  1655. I will show this to even my grandparents! How about if an old person gets into bad debt before going to see San Pedro? if you what i mean X.X
    1
  1656. Excellent video! Do you think this will ever have a sister episode on the wage stagnation problem in America?
    1
  1657. What about shorts like the s dow?
    1
  1658. Thank you for this video! You guys are awesome :)
    1
  1659. Thank you both of you, for this episode, it is so full of honesty, and I think couples get to be so empowered after watching this. What Philip said about being true to himself really shook me, coz there are plenty of folks who’d choose $ over integrity. Wishing both of you much success with your channel!
    1
  1660. You guys are essential to YouTube viewers right now
    1
  1661. Dave Ramsy + FPU is the way to go. Very solid advice.
    1
  1662. This is such a great channel one of the few im subscribed to and that should be shown is class rooms in school always appreciate the info <3
    1
  1663. you guys are awesome! I'm very impressed you guys are doing a discord channel! too awesome sauce! <3
    1
  1664. Richard Bagel!! You made the PBS big leagues!!
    1
  1665. Goodness, y’all make me smart
    1
  1666. Interesting... very interesting
    1
  1667. I like the two of you even more than I already did! :-)
    1
  1668. Y’all probably tired of me saying this but “THIS IS THE MOST WHOLESOME CHANNEL IM SUBBED TO”
    1
  1669. Omg... congrats to the Olsen family.... you guys are so cute. It's going to be an amazing journey. Keep up the superb work.
    1
  1670. Really loved this!! What a great and vulnerable episode, thanks for sharing guys :D :D
    1
  1671. Love the animations, graphics and editing 👍
    1
  1672. I really enjoyed this video! Do you think you would be able to do an episode about compounding interest?
    1
  1673. I don't know if I'm too late, but congratulations guys
    1
  1674. You ARE worth it Julia, both of you. Congrats! Love your vids!
    1
  1675. This is a good video... the system is trying to get us 😞
    1
  1676. Oh wow, I been followed you guys for long time but didnt know you guys are in Austin. I am from there too :) will give you a shout out when i see you on lady Bird lake lol
    1
  1677. Nice n simple! Love it!
    1
  1678. I got scared to watch this video because I already know I spend way too much on going out 🤦🏼‍♀️
    1
  1679. Fantastic topic and calling out the two biggest names out there with opposing views, well done!
    1
  1680. One of your best videos, keep up the great work!
    1
  1681. Arrrgh! ye presentation was excellent, removing barnacles from mi undercarriage as we speak, Tell me more about that bounty i can amasse
    1
  1682. Thanks so much for the content!
    1
  1683. Oh crap\\ stay safe y'all\\ y'all too cool to replace\\
    1
  1684. I want to get in on y'all's IPO. Your show is priceless. Thanks for all the hard work. PS the DOW and your sleep patterns may soon match when your "half cent" arrives 😉
    1
  1685. I have just become a Patreon of Two Cents. At least until Covid-19 is completely over. You guys are giving excellent, vital information! I would like to encourage anyone who can, to do the same!
    1
  1686. Love your channel! Keep up the great work :)
    1
  1687. Digging the behavioral economics in this episode. Recently read "Misbehaving" and it's cool to see a lot of the same ideas
    1
  1688. Ok You two are so awesome. What a great channel! The world needs this :)
    1
  1689. Wow just like you guys even more now
    1
  1690. You’ve given me a-lot to think about
    1
  1691. I love your videos! This may be outside the scope of what you're doing, but could you do something focusing on the opportunities out there for people who are always struggling and most of the traditional advice doesn't seem to apply? I know that's vague and answers are limited. I'd just love to hear more in that direction (in addition to what you continue to do!).
    1
  1692. also make sure that your financial advisor is a fiduciary
    1
  1693. Have you already done a video on tax withholding and how it relates to a tax return? That would be a fun topic to clear up similar to how you described the way brackets work in conjunction with the standard deduction.
    1
  1694. This content right here is why I subscribed to your channel <3 Very informative. Keep it up!
    1
  1695. For the pennies thing, the economic reason makes literally no sense as Canada I believe in 2016 or around there got rid of the penny and guess what, nothing happened.
    1
  1696. Love the show TC! As soon as I'm able to I'm definitely joining the patron family.
    1
  1697. Thank you for this video. I work for a health insurance company, and trying to explain the benefits of a high deductible health plan to those who are not health industry savvy is difficult. A lot of people tend to focus on the high deductible aspect and think it's a horrible health plan - it's especially beneficial for those who never get sick and will save your ass if an emergency occurs. Paying a 5k deductible is way better than a 20k or more emergency bill.
    1
  1698. So simple but such a clear explanation. Thanks guys!
    1
  1699. Ravenclaw, 5 wing 4, INFJ, Libra, and monetary Hoarder 😬
    1
  1700. Am I in Dad Joke heaven??
    1
  1701. This has to be the most informative video you have released to date! I know all your videos are, but this is really top notch!
    1
  1702. You guys are adorable. Thanks for the video. Be safe, get healthy, and don't go nuts in quarantine.
    1
  1703. you guys should utilise title cards in your videos to link to older videos! felt like it was a wasted opportunity when there was no in-video link to the grocery video.
    1
  1704. As usual, I love the show and how balanced you make it in the limited time allotment. I'll be sharing the link to your channel with the class I teach, physics. I know, it's unrelated but such a good thing for college students to learn about.
    1
  1705. LOOOOOOVE!!!! YOU CONTENT! So much quality in this channel. Thank you guys! Keep it up!
    1
  1706. Big virtual hug! Be strong and be safe! Love from Lisbon, Portugal
    1
  1707. and i love the graphics.. yall make amazing videos and cant wait for next one
    1
  1708. This is the REALEST episode of you guys have ever done! Poverty is a trip! My family is stuck in it and running in circles. I’m fortunate enough to have gone to college and gotten out of the trap, but I still find myself making decisions as if I don’t have resources on hand and paying additional fees.
    1
  1709. MUHAHAHAHA THAT MUSTACH IS BADASS 🤣🤣🤣🤣
    1
  1710.  @TwoCentsPBS  I'll just add that I think your side hustle video should be watched by every millenial ever.
    1
  1711. Great video succinctly explained. Will share with my friends
    1
  1712. My mom was a guardian angel in teaching me all about personal finance!
    1
  1713. How about being so poor lottery tickets aren't an option. Also 5:52 goes over this part.
    1
  1714. https://investor.vanguard.com/mutual-funds/profile/VTSAX
    1
  1715. Do you guys have a patreon to donate my 2¢
    1
  1716. Wow! No wonder there are movements like black lives matter.
    1
  1717. This is a really amazing and deeply sociological examination of the struggles that those less fortunate experience. Thank you for making a video like this to really show people (like me) how easy we have it and to shed light on the financial inequalities that people struggle with. This really opened my eyes.
    1
  1718. Thank you for your honesty and vulnerability ❤️
    1
  1719. Thank you so much for the non-binary pronouns for Taylor. Absolutely amazing to see
    1
  1720. I adore you guys ❤️❤️❤️
    1
  1721. Such a good video!! I've Tried and failed twice to working out in a gym. Now I use Fitnessblender and been going strong for two months! It's waaaaay cheaper!
    1
  1722. You reminded me of Indian movie star Nasir ud din shah with your caption.... See https://youtu.be/tJ3iJpUC65M
    1
  1723. One of your best episodes imho!
    1
  1724. This episode was very open and honest. Thank you
    1
  1725. I like the setup of this vid. Recommitment is a tool I try to use often, and usually money being lost can be an incentive. However, it's hit or miss. I do better with physical therapy because of the accountability (I was in a car accident).
    1
  1726. Love the intro! It's so cute and original! Thank you so much for the excellent content as always!
    1
  1727. I just became a Patreon member fam
    1
  1728. JUST AMAZING THE BEST YET KEEP UP THE GREAT WORK 👌👌💪💪👍👍👍 you two have a GOLDEN EYE for great video themes
    1
  1729. thank you for videos like this one why is this info so hard to find !!!!! do you have to set a time to when you can withdraw the money or a mutual fund only can get collected after retirement again thank you for your videos!!!!! they are so helpful !!!!!!!!!!!!
    1
  1730. This was a great episode. Thanks for sharing.
    1
  1731. you two are seriously cute
    1
  1732. if philip is a pixar dad then does that mean julia is a pixar mom?
    1
  1733. Thx for making this through your very scary times.
    1
  1734. I love knowing I won't be homeless if I break my foot
    1
  1735. Now thinking of our third world
    1
  1736. oh im definitely an ostrich. I ruined my credit in my early 20's and ive been trying to fix it for years. i know i tend to try and stick my head down to try and ignore the looming storm and hope it goes away and just feel overwhelmed and guilty and ashamed that i let myself get in that position in the first place.
    1
  1737. ohh snap, Austin. Sending yall some love from Temple.
    1
  1738. I absolutely love this channel!! Keep the videos coming 😊
    1
  1739. Dear God, Thank you for this video!
    1
  1740. Can you do a video on retirement savings and the comparison and difference between a 403B, 457B & 401A.
    1
  1741. You had me at mint chocolate chip. That's my favorite ice cream too. My daddy always said look at those bennies (benefits) too.
    1
  1742. Very grateful to see this. I had no idea such a thing existed. Thank you for sharing
    1
  1743. Lol. I love seeing Evelyn. Love that you brought her in
    1
  1744. You guys are great! Simply amazing, keep up the fantastic content!!!!
    1
  1745. I appreciate Philip's strong commitment to mustache.
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  1746. 16,000 views in 2 hours, impressive
    1
  1747. Love this. Thanks for your vulnerability. Not sure others watching experience but right in the most emotional part of Julia's story it dropped in two ad breaks. :-/
    1
  1748. You guys are AWESOME! So helpful to people. Well done.
    1
  1749. I got the NordPass from the link provided. Thank you very much for recommending! Stay safe and healthy.
    1
  1750. In love with this channel ! 🤍 Thank you for the information. great value
    1
  1751. This is why we love two cents😍😍😍😍..That intro....Wow|!!!😊
    1
  1752. That was informative. Great collaboration with Evelyn! I LOVE her channel. 👍🏾
    1
  1753. Funny reading all these comments from people who don’t understand insurance
    1
  1754. Phillip looks like Woody's Canadian cousin from Toy Story if he had one 😆
    1
  1755. Love the info! thanks guys!, Julia should be in a comedy show LOL
    1
  1756. I didn't even know I should have known this before you made this video. Thanks for telling me!
    1
  1757. I just watched the Lucrative College Majors video, but I'm going to hop on this video to add a suggestion. I hope there's a future video regarding negotiating salaries! Keep up the good work!
    1
  1758. You have looks and wisdom of indians . PS- this comment is compliment to creators. PPS- I am also Indian.
    1
  1759. This is one of the best YouTube channels. Thank you for your honesty!
    1
  1760. sooooo... did you rise the fees?
    1
  1761.  @TwoCentsPBS  im also self-employed as a side hustle... and i find it really hard myself to charge nearly that, what is generally a "normal" rate in my field... Im gradually testing how much i can rise my fees and it has never worked out badly so far ^^
    1
  1762. There's cheap rents in Austin if you're willing to hop around after your current lease is done! Last year I moved out from Austin to Houston for work. I was paying $705/month off of East Riverside. When I was looking for someone to take over my lease, I posted it on Craigslist and I swear, the first day alone, I got more than a dozen inquiries! There are deals out there, you just gotta know where to look (-:
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  1763. Congratulations!!
    1
  1764. I am in love with your content! I started watching since the first video launched! Thank you for all that both of you and your team do for the public. Can't wait to join the community through Patreon. p.s. I am a fan of Dave Ramsey too!
    1
  1765. 😭😭 thank you so much for this video! As someone who's only a couple years away from full time employment I needed to start thinking about this now! Thank you 2 cents, keep doing amazing work!
    1
  1766. Oh snap my man Phil rocking that ink! Very cool to see you two being your authentic selves! While not related to taxes, I did notice an interesting bit of financial psychology the other day. I signed up for a store debit card that gives you 5% off everything (since hey, no credit check!) and thought why not, even if 5% didn't seem like that much. Although I'd jump for joy at a credit card that gives 5% cash back. Interesting that a 5% discount seems so small but 5% cash back seems so exciting (likely due to the anchoring effect). We expect discounts of 40 or 50%, so 5 seems small. We expect cash back of 1-2%, so 5 seems large.
    1
  1767. Great video, especially the last part
    1
  1768. I love watching your videos and this one by far is the best. Thank you for educating me make and making me laugh!!!!
    1
  1769. Seriously love this channel! This is some important information and really informative video.
    1
  1770. Have I been to a convience store recently? Ha! I don't have enough feet around me for that! F### COVID-19! Good video as always though! Please keep uploading!
    1
  1771. Definitely a mix of a social butterfly and engineer! I loved this video! ❤️
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  1772. You guys just come up with the best and most sensible videos.. God bless you.. I did benefit a lot from your video on shifting/ relocation..your 2 cents were worth every penny..😅😁
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  1773. 10/10 intro
    1
  1774. In our country there are payment centers for bills in malls or stand alone payment centers. Do you have something similar in the US? Just curious because it might improve some of the issues mentioned.
    1
  1775. You guys are great! Thanks for all your helpful videos. Keep up the good work!
    1
  1776. The video thumbnail is EVERYTHING!
    1
  1777. I love that she stands on a box!
    1
  1778. We opted not to get a credit card and we haven't lived to regret it. Car rental, mortgage, getting a job and apartment are all possible without a credit score (cause we did them). If credit cards are a financial tool, they're a tool for banks to get more money out of you
    1
  1779. Thank you guys. I always look forward to you videos. This one is very very important during these times thank you.
    1
  1780. Love the pronouns here
    1
  1781. I had an inkling that I was paying too much and have been meaning to go to Verizon to get a better deal. I was going to go last week but I think the universe wanted me to wait for this video! Thank you so much and I will be going asap!
    1
  1782. How fitting, he has a bear shirt🐻🐻
    1
  1783. mind = educatedly blown
    1
  1784. Very very good video 👍 Every time I see those ads ... skip it 😆
    1
  1785.  @TwoCentsPBS  O ok my bad
    1
  1786. Hilarious!
    1
  1787. Philip, I think I saw you and a big group of friends in Denver's City Park a few weeks back. I was on the walking trail and almost said hey, but wasn't sure enough to risk it. Was that you? Love the work y'all do and sorry I didn't give you a shoutout in person if so!
    1
  1788. Casual use of a they/them pronoun 🥰
    1
  1789. lol i thought this was going to be a video about how much i waste on going out to eat! phew i do got to control that better.
    1
  1790. this is amazing! thank you, TC!
    1
  1791. Loved this video !!
    1
  1792. You guys are so fantastic! Great work!
    1
  1793. As a current resident of the ATX, do you still take personal clients?
    1
  1794. this is super super helpful. I've had people coming after me for years and telling me they took me to court for debt my parents had that they filed bankruptcy for but I wasn't sure what to do cause I couldn't afford to pay this debt
    1
  1795. 2 cents congrats for 601K.
    1
  1796. And Bulk buy !!! For your family and friends
    1
  1797. I have never seen a video explain it so well good job!
    1
  1798. The guy in the cartoon looks a lot like Jim from the office. Great video btw!
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  1799. I love you guys! I've learned so much from these videos, thank you! :)
    1
  1800. acting skills of these two is next level😂😂
    1
  1801. Great video! Honest and scary!
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  1802. My 2 cents are that 110% of people die Great video as always, got a chuckle from the pie chart haha
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  1803. Happy one year anniversary !
    1
  1804. Julia, Phillip, I believe there is an error in definition of P/E ratio you gave at 5:08. In video: EPS/StockPrice = P/E. It should be: StockPrice/EPS = P/E
    1
  1805. Really needed this explanation, thanks.
    1