Comments by "Kong" (@Koushi82) on "8 Financial Realities That Are Making Americans' Lives Terrible | The Financial Diet" video.

  1.  @Artbug  insurance is too expensive. life insurance is worthless because you are dead when you get it. rich people do not have life insurance. almost like playing lottery. they earn their money and that is their insurance. Health insurance is a scam. Don't even bother. If you have the money it is ALWAYS cheaper to pay out of pocket for society. Insurance itself is a COST and expense to society not a benefit. Now lets call it is if it was me loaning other people money for their medical expenses ok. But call it what it is. Subsidizing those that use it way more than those that do not. I will not be paying regular rates for health insurance. I refuse I'll just get cancer insurance and pay out of pocket for minor issues. Getting cancer dealt with in mexico instead unless rich because it's too expensive in USA.
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  2.  J .S  Education filters for high IQ but. here is the thing it also filters for wealth gap. higher wealth individuals compensate for their low IQ with high wealth to get by in society. as long as they have at least average so they aren't spoiled silver spoon children. Too many are. USA has a IQ of 98 that is below average its EMBARRASSING average = 100. also you can do an estimate of SAT + GRE conversions: for IQ you could say. SAT: average 940 100.02 100.03 50.065 1600 163.91 168.17 99.999 GRE: 870 100.70 100.75 51.869 1610 159.67 163.65 99.997
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  3. ​ @jamestaylor2508  we need to cut out all the middle men. insurance companies do not do any real work. its the doctors nurses pas that do the work not them admin paperwork and sue hungry patients calling for more lawyers. Those people do not do anything or provide any value.
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  4. instant gratification those that buy iphones for 1500 dollars and cant make their own rent payment or medical bill. SMH. Stop buying what you cannot afford and cut coupons. Wait that would be smart... also pay off credit cards all of it right off the bat every month. otherwise declare bankruptcy you cannot afford a cc. Ignore the Jones THEY ARE FAKE and living with debt BAD DEBT. good debt are investments not expenses like auto loans and mortgage rent loans. STOP spending on new cars. let the auto makers fail if need be
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