Comments by "fialee8" (@fialee8) on "Zac Rios" channel.

  1. A $100,000 wedding... but the groom's ring was $800?!?!
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  2. I plan to have enough to retire at 50yo, so anything older is just gravy. If the plan is to work till 70's, and you don't have a government job, good luck.
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  3. The chunky girl said she made $3,600 a month... which is $43,200 in gross income, not debt. That said, she's prob paying minimal taxes after standard deduction.
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  4. One other piece of advice... don't piss off your boss (and esp your boss' boss). Your direct manager is either your best ally at work, or your worst enemy. They are the first to make the cut list... and if they don't like you, guess what, you are first on that list... regardless how well your co-workers like you, or the quality of your work product. There's a reason why kissing up to your bosses has been around forever... because it's actually works. Yes, people may be mad at that... but life's not fair, and you have navigate that environment.
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  5. No one forced you to put ice in a cup of beverage. How stupid are people?!?!
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  6. The problem is that no one wants a 900 sf ft home about 15-20 miles away from the city... everyone wants a 2,700sf ft home, near center city. This is in part due to local city councils create zoning laws and limiting number of permits. The reality is there's plenty of space, and developers could build homes for $300K... but nope, zoning and artificially limiting of new home construction permits creates a housing shortage. The city council would prefer to have 10 $1 million dollar homes vs 40 $250,000 homes.
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  7. Aside from your rant about attorneys, I would agree that management doesn't care much about employees. That said, they don't enjoy firing employees... they fire employees because their jobs and/or pay is on the line. The flipside, will employees voluntary to take a 20% pay cut to save their bosses' job? Prob not.
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  8.  @Justsomerandomguy1727  So what exact protections are you advocating? Western Europe has a lot of worker job protections, and high benefits for laid off workers (up to a year or more salary depending on years of service). However, the cost of that is getting that job can be extremely difficult because employers are very very picky of who they hire because the cost of firing them is so expensive. Other Western European corporate professional jobs are done on a contract basis, which has great perks, but once that contracts up, they have no responsibility to renew.
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  9. LOL... that guy with the glasses should invest in some high index lenses. Those Mr Magoo glasses aren't doing him any favors.
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  10. Being employed also means you didn't get fired for some inappropriate activity, and is the best evidence that you can provide value to a company (otherwise, they would've gotten rid of you earlier).
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  11. If you want job security, get a union job.
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  12. 3:18 To get a HELOC at 7.5% plus prime... your credit score must be in the trash heap. To get a HELOC means you prob have 20% equity in your home. In theory, that means the loan should be pretty safe since they can take your home and sell it, to recover the debt. So to get a 15% HELOC (7.5% plus prime of 7.5% today)... that's near credit card rates on a secured loan.
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  13. I will never understand why people are so proud to tell the world they are so stupid!?!?
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  14. The problem these days is that there are bots submitting hundreds or thousands of resumes, often with 99.8% not qualified for the position. I doubt most of these absurd job postings are real, since if you applied, and didn't get a job, you can sue them for violation of Fair Employment laws. Some small companies may ask weird stuff, but medium to large corporations have cookie cutter processes to prevent lawsuits.
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  15. Any woman to talks with their hands and fingers are just toxic. Run, don't walk away!
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  16. First piece of advice... stop posting on social media! No company wants to hire a person who posts on social media. Once they find out you are posting stuff on social media, you are radioactive.
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  17. Working in a career that pays well that I'm good at, and like... vs chasing a pie in the sky dream.
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  18. I'm going to support the company because the value of their contributions do not support the wage they make. The reality is the company doesn't relish firing employees... they fire employees because they have to.
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  19.  @Justsomerandomguy1727  Unions are typically for non professional employee. It also hurts top performers, as pay scales are pre-set... so top performers will leave for non-union positions, and the company become uncompetitive. That's the problem with unions... it disincentivizes what makes a company better. Essentially, this is what we see in government is what a mass unionized workforce would look like. Is that what you want?
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  20. The problem is that most of these folks and pundits are essentially morons. If someone who has done internships in their industry... why didn't get get hired with that company? Or if they think a bachelor's is sufficient for some of these profession such as psych or physics. These professions often require a masters or PhD to actually work in that profession. At the end of the day, it's not the degree employers are turning down.. they are turning down the person.
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  21. If you want to lease a car... go lease a near new used car. This is the best way to not pay for the initial depreciation hit, and you can still get a 1 or 2 year old car, still under new car warranty. Or the flip side, find someone who is very good in nego (or hire someone), and have them nego the car price on the lease (this might help you at the end on residual value at lease end, and you may actually have some equity... but always buy gap insurance). Yes, you can nego a lower price like a new car, and then lease it. This will go a long way in not paying for a such a huge depreciation hit vs MSRP. The reality is that if you are getting a high volume car, you can prob get a new car ~10% off MSRP, and that is all depreciation hit when you drive off the lot.
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  22. OK, that car video must be fake. $580/mo for 287 months... that's 23.9 YEARS for a total of $166,460 in total payments for a Mercedes C-class!
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  23. The debt collector may not be in business, but the debt owed will just be sold to another debt collector who is not on the list. Unless it's discharged through bankruptcy, the debt is floating out there somewhere... be it five years old, or 10 years old or more.
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  24. If you have excess money, then people should buy what they want. However, if they can't afford it, then it's going to eventually suck.
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  25. Unless they name the company, I can only assume it's fake to get clicks. Most anything on Tik Tok are lies and frauds to create outrage to drive clicks. Shame on you for being a gullible dork (but kudos for tricking people to watch your videos for money).
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  26. Being homeless and starving isn't good for your mental health either.
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  27. It's obvious that the person with six figures of negative equity on the BMW, and another $40k-$50k on the Raptor is going to just file bankruptcy, and wipe away all that consumer debt. Granted, they'll lose the cars, and trash their credit rating, but the mindset is that they are in too deep, so why not just go balls out till they actually file for bankruptcy. The problem is that almost everyone else (anyone who doesn't have near-perfect credit) has to pay for these clowns. Those who have near-perfect credit are in a different category... than those who only have good, ok, and bad credit (who are much more likely to default or file bankruptcy).
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  28.  @UnitedStates_I.R.I.E  What is more valuable than your life? The sooner you can retire, or have the choice to retire, you are no longer beholden to anyone and can do what you want. You can work if you want to, or don't work if you don't have to. As you get older, time is much more valuable since you have so little of it left. Plus, the last years of one's life typically sucks full of health and mental issues (esp if they live past mid-70s).
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  29. The reality is that savings suck, and spending is fun. However, if one actually prioritizes savings, and actually makes a some sacrifices (heaven forbid), one can save and invest, and set them up for a successful retirement. You can't tell me that everyone can't cut back their spending 10% (eating out, vacation, buying coffee, buying clothes every month, Amazon, etc), learn to invest, or work a little harder (few more hours, or take on more responsibility to get a raise or promoted). Yeah, working sucks... but that's why they pay you.
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  30. The problem is that no one is going to make a video, real or not, when a car turns on and runs 99.9999% of the time. That said, if you buy a Korean or Stellantis product, you get what you deserve.
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  31. If insurance rates spike, you should re-look a the coverage you have. The easiest way to lower your premium is to increase the deductible... such as increasing it from $250/$500 to $1,000, or even $2,000 or up to $5,000.
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  32. She can make more than $200 a month by doing a few outcalls.
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  33. Why would anyone be stupid enough to put in $3K of maintenance on a 200K miles car that's going to be repossessed?!?! You can't make this stuff up!
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  34. I would say 80% of these are FAKED, esp the chips bags. It's sold by weight. That tortilla chip bag says 10.1oz... and that is not 10.1oz. Those are likely re-sealed or error bags (Frito Lays bags are actually stocked by a driver, and they would not put a defective bag on the shelves).
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  35. I would say if all these people would stop buying cigarettes, alcohol, and pot... they would have more money than they know what to do with.
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  36. It is abundantly clear you actually don't understand how the auto dealership and loans work. The new car dealership does not carry the loan for the car... they sell the car for as much as they can, and get a profit from the financing company to get the highest interest rate possible (since they can profit from what the finance company will approve the loan for, and what the dealership tells the customer... this is actually prob the biggest profit driver of car sales). Once the loan is signed, the dealership has made their money... and 100% of the loan risk is now with the bank or finance company.
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  37. Gee... guess if they want to get paid more, open a daycare! Duh!
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  38. If you buy a gas car that's well built (Honda, Toyota) and take care of it, it can last you 15-20 years. It will be nearly impossible to keep an EV or Hybrid that will last that long without replacing the battery, and it's unlikely they have software support that long for that car (which could be critical in safety and security... both the car, and any linked devices to that car (such as your phone, garage door, smart home, PC, etc)).
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  39. Hawaii basically has to have everything shipped by boat. For dairy, they need to ship it refrigerated boat. That's the price to live on a tropical island. Just like trying to eat American foods in Asia or Europe, it's going to be expensive. If you eat local, it's a lot cheaper.
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  40. You don't go to the grocery store to buy stuff other than groceries on sale. If you don't buy stuff on sale, it's on you for being stupid.
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  41. The reality is that most jobs, the average worker is only put in about 25%-33% effort, along with about actually working about 33%-40% of the time. So just based on the typical person, putting in about 10% of what they can actually do (100% x 30% x 35% = 10.5%). That's why when someone who is focused and working hard, and putting 85% effort about 75% of the time, they are working 6x the typical worker (and typically the superstar at work). Similarly, that's why management loves AI, robots, and automation... where the robot is working at 100% effort 95% of the time (5% for maintenance downtime)... an effective AI robot is working about 10x average workers.
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  42. Harvard is essentially free if you get in, and need financial aid. If you, or your parents can afford it, then yeah, you need to pay.
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  43.  @alphaomega1351  No one is being "exploited". An prospective candidate has the choice/option to not accept any job they don't feel they are being compensated fairly for. The problem is that a lot of people, especially on social media, think they are worth a lot more than what someone is actually willing to pay for their time.
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  44. Quitting your job and posting it on social media will just mean it's going to be nearly impossible to find a job at a major corporation that does social media background checks, which most large companies do these days. No company wants to hire an employee which is constantly posting about work related activities, or even their personal lives (as employee is an extension of the company indirectly 24/7... that's why people who make racists or inappropriate posts are fired all the time).
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  45. Section 8.... lol. Yeah, if you don't know what that... just look it up.
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  46. When someone looks like they lack intelligence... they prob actually lack intelligence.
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  47. You did get something out of that $20k student loan. You gained experience, wisdom, and responsibility. You may think you didn't "learn" anything, but you did learn some very valuable life lessons.
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  48. Savings interest is taxable... so depending on your tax bracket, it could significantly impact your net returns. Example, if you live in CA, and pay marginal rates of 22% fed tax bracket, and 8% state, that's 30%. That 4.5% interest earned is net 3.15%. Long-term index funds might have higher returns, and even a long-term capital gain tax rates... but there's also sequence of return risk. Example, in Feb 2025, the market tanked about -20%.
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  49. If you buy stuff on sale and spend a some time cooking your own food, you can cut your food bill by 50% or more vs full retail pricing. Example, bag of Lay's chips is about $5 vs $2.25 on sale. 12 pack of 12oz Pepsi or Coke is $11 vs $4 on sale. Box of 6oz cilantro lime rice is $2.50 vs making it yourself, $2.50 will make 3lbs of cilantro lime rice (sale prices on bunch of cilantro $0.50, 2 limes @ $0.50, 3lbs of rice $1.50, stuff you have around the house... water, pot, salt). Cooked rotisserie chicken $9 vs buying whole chicken for $0.79/lb on sale. Salt, pepper, oven for 45mins for 4lb chicken $3.16. The problem is that if you cook for one person, there's a lot of extra food which might go to waste since buying single serving portions is almost never on sale, and costs as much as a max/large pack that is on sale.
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  50. Why are people so proud to be so terrible.
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