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

  1. 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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  2. This channel is such a blessing to Youtube, truly the best new channel of 2018! Praise be! šŸ˜‡
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  3. So let me get this straight, he recently becomes a dad and is all of a sudden a pun master?
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  4. You guys are my financial parents <3
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  5. 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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  6. 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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  7. Sentimentality? More like cent-imentality, amirite?!?!
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  8. 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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  9. 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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  10. Between you guys, Dave Ramsey, and Chris Hogan, thereā€™s no way to be financially blind anymore! That said, once this check gets cashed, Iā€™m debt free & starting saving and investing to be financially independent and wealthy! Thanks for all that you do!
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  11. I just binged watched your channel last night. New episode! Nice surprise :)
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  12. Gosh you two are good life coaches.
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  13. When youā€™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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  14. 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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  15. 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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  16. I'm glad YouTube recommend this for me, it's so helpful and easy to understand!
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  17. 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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  18. 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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  19. 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. šŸ‘ I recommend doing a bit of research before going to vocational school.
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  20. Just donate yourself to science and be done with it.
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  21. 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 (itā€™s usually is $40 a month but I am using the Labor Day sale discount for two more months). For insurance, itā€™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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  22. 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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  23. I would definitely watch more history videos from you guys
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  24. 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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  25. Love this concept of "fun money"! Trust is the foundation of any successful relationship! As always, great video!
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  26. 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
    230
  27. You guys just wanted to dress up like pirates and play sea shanties, didnā€™t you
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  28. 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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  29. 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 theyā€™re so damn good.
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  30. Hoarder here.... with an Ostrich GF.... It is freaking hard to plan a future financially
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  31. He looks like "Little finger" from GOT !!...
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  32. 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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  33. I really like that you said the fico score is a relationship with debt.
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  34. Would Penny support Youtubers on Patreon?
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  35. 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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  36. 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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  37. 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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  38. the only youtube I have ever come across that has zero downvotes even after 1500 views... awesome
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  39. I would suggest taking a dog instead, but I've also seen your video on the cost of having pets šŸ˜…
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  40. I just discovered this channel like 3 videos ago and this channel is already my best...where have you been all my life?šŸ˜­
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  41. Yā€™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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  42. 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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  43. 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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  44. 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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  45. Michael Fojtasek seems like a nice guy, Olamaie has donated to the nonprofit I work at here in Austin before. I love that heā€™s continuing to pay his employees health insurance even though they arenā€™t working.
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  46. I swear, Phillips mustache grows more and more by the week.
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  47. As a matter of fact, I do have an use a bicycle!
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  48. Awe man when you said ā€œRobert kiyosaki in this cornerā€ I was like thereā€™s only one other guy it could be in the other corner. šŸ‘“šŸ»=šŸ’ŖšŸ’µ
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  49. Loving the show so far! Pity it hasn't reached many people yet.
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  50. 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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