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

  1. Again, should be required as part of high school education class.
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  2. customers.. I meant students
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  3. Why do I learn more about finances from youtube than when I was in school?
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  4. This should be part of a Highschool economics class. They'll actually learn something.
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  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.
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  6. Heres to you guys calling me on my bad habits again like a true friend should šŸ»
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  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. šŸ–•
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  8. Don't build thy house upon the sand, build thy house upon the rock of good credit, solid income, and 20% down payment. šŸ˜‡
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  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.
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  10. Being smart with your money is way cooler than having a hot new ride.
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  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.
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  12. You guys should do a seminar on how seminars are scams.
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  13. Focus on making exercise a consistent habit before signing up for the gym.
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  14. "A bottle of Our Daughter's College Tuition" Dead.šŸ¤£
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  15. This whole channel should be turned into a high school class and taken all four years of high school.
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  16. This is great. Now I just need to find someone to marry...
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  17. I enjoy poor man's first class when once in a blue moon, the seat next to me is empty!
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  18. My own community college graduation is tonight actually. Iā€™m getting two associateā€™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.
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  19. Wow. This is your first video that made me sad. Still great content that most avoid talking about.
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  20. This channel is secretly nudging me to think about getting married. Lol... Did my parents speak to you guys or something???
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  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.
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  22. > "you're just gonna walk away? After everything we've been through?" Lol
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  23. two CENTS actually answering all the important questions
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  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
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  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!!!
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  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!
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  27. Whoa, whoa, whoa. A pack of Pokemon cards you forgot to open?? That's the mistake right there.
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  28. I'll say it again, this is one of the most important channels on YouTube.
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  29. I trusted you guys like my parents after like 2 videos.
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  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.
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  31. The real question is: Are bigger mustaches better than smaller ones?
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  32. They have become 2.5 cents now šŸ˜‰
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  33. I'm so glad this channel exists it's growing so fast I can already see them hitting 100K subs!
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  34. As a mental health therapist, I really appreciate this episode. Finances can be so triggering for some. Thanks for being so vulnerable.
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  35. Props to your graphics person for the great visuals.
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  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.
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  37. Tia and Tamera, huh? 90's kids for sure.
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  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.
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  39. I feel the praise you guys donā€™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 canā€™t sing these videos praises enough and just wanted to put this into words :D
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  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.
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  41. Choose a job/career that can't be outsourced... that's the most useful takeaway from this video! šŸ˜
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  42. ā€œWay back in February 2020ā€ šŸ˜‚šŸ˜‚šŸ˜‚šŸ˜‚ it sure feels like a year ago
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  43. As a Gen Zer, Iā€™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
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  44. Here is my two cent: buy shares in this channel šŸ˜‚šŸ˜‚
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  45. Soooo is there any chance that we get to see that extreme parkour vid ?
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  46. I've not watched a single one of the videos but I'm already sold on the mustache.
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  47. Before this channel i always used to zone out when people talked about finance, now i can actually give MY two cents. xD
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  48. Gold seems like the perfect currency to bring if youā€™re a time traveler
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  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 ā‰  guaranteed reliability Used ā‰  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.
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  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 youā€™ve been following Dave for long, you know his favorite way toĀ buy a homeĀ is the 100%-down planā€”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.Ā 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 isĀ 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".Ā  Critics of Dave have pointed out that paying for aĀ house in cash isĀ 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!
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