Millions Of Americans Can’t Afford To Survive Anymore

Added: 2026-05-28

[00:00:00]All right, y'all. The cost of living is still high and don't look like it's coming down no time soon. But listen, don't forget to like it before you light it. Hit the sub before you hit the butt.

[00:00:07]Join the team before you hit the green.

[00:00:08]And don't forget to >> Yep. I need them hypes like a crackhead need a pipe. There's only two YouTubers in the whole world that do that. None both of them.

[00:00:15]>> In case you were curious what the housing market is like right now. Um my husband and I found a house that we absolutely loved. Kind of a dream for us on Thursday. We went and looked at it on Thursday. Put in an offer 10 grand over asking on Thursday. They had multiple offers already on Thursday. They decided because they knew a bunch of people were going to be interested to wait until Sunday today to do best and final offer, which means we had to put in our absolute best and final offer. We went up to 30 grand over asking, and we offered a $20,000 appraisal gap, which is if the house gets appraised for less than what you offered, you have to cover that gap with cash at the closing table.

[00:00:57]So, we offered that. We also in our offer said that we're going to do inspections, but we're not going to ask them for any concessions or repairs. So, if anything came back bad, they didn't have to fix it. Also, three-week close.

[00:01:08]We didn't even stand a chance. We lost.

[00:01:10]They had nine offers. Nine. Nine offers.

[00:01:13]Somebody offered I think 40 or 50 grand over asking with a full appraisal gap, which means >> what?

[00:01:20]>> 40 or 50 grand. Like, I just actually want to die because now I'm depressed.

[00:01:25]And it was my dream house. Um, and now someone else gets to have my dream house because I'm too poor. I love my life.

[00:01:32]>> What's the cost?

[00:01:33]>> Yeah, bro. Um, that was actually a blessing in disguise, bro. Anytime you offering $10,000 more than the asking price on a property, dog, you losing.

[00:01:43]The property is already overpriced for one. If there's a bidding war and this is not like an investment property, this is somewhere you actually going to live.

[00:01:50]You crazy. She actually got lucky. They lucky that they didn't get that 50,000 over asking offer accept. They would have lost 100% on that, bro. Real talk.

[00:01:59]And then if the market goes down or anything like that, you already behind 50,000. So, anything that happens is just going to magnify your loss, bro.

[00:02:08]People are crazy. What? I would never do no [ __ ] like that. Now, if you was to hold on to that house for decades, you could probably win. But, man, most people only living in them houses for a couple of years, man. four to five years and [ __ ] you was going to lose regardless. But that's crazy.

[00:02:23]>> Cost of a one-bedroom where you live because if you're like the residents of Atlanta, Georgia, it's becoming increasingly unaffordable. I made a previous video about this where the average rent in Atlanta is 963. I should have clarified that's per person. And so when you take two people needing to have roommates, now the age group of 45 to 64 is increasing at a rapid rate over the last 20 years. They're basically bringing to the table about $810 on average. That buys them a onebedroom apartment for $1,600 for two people. So, if you're like the people of Atlanta, it is becoming absolutely unaffordable, unobtainable to even rent, let alone dreaming about buying a house.

[00:03:06]>> I need >> Yeah, bro. I heard Atlanta is out of the out of this world with the prices. It's for the South, too, dog. Like, I remember back in the day, the South was known to be cheap. Like we used to make jokes about moving to Texas because for $2 you could get a mansion. That that's what type of jokes I used to hear. But now Texas overpriced. Atlanta buu people from New Orleans moved to Atlanta because it was opportunities you know the chance to really be in a more impactful type of city and you know to network and and it was kind of rel relatively cheap back then but [ __ ] $900 and something dollars per person now boy y'all crazy. You better stay home.

[00:03:40]>> Where y'all getting your money from?

[00:03:41]Because there's no way there's no way that everybody's out here struggling yet everybody has money. Okay? I'm seeing stuff people out here flaunting what they got. Summertime goals, going on vacations, all that. Where y'all getting this bread, baby?

[00:03:54]>> And don't tell me it's a credit card cuz I don't believe that. Somebody real source of where y'all getting this money from.

[00:04:00]>> 15-ish years ago, I was able to afford a one-bedroom luxury apartment off a $50,000 a year salary. I was just having a conversation with someone that worked for me a couple years ago and she's signing her first uh job offer making 106,000 a year right out of college. She I don't believe has student loan debt.

[00:04:18]>> That's good.

[00:04:19]>> Obviously, inner city is going to be more expensive. My apartment was in the suburbs of Boston. However, she cannot find a place to rent within reason without having at least two roommates.

[00:04:30]>> Yeah. $106,000 with very like very financially responsible person. And it's it's wild when I have conversations with those that are in their 60s and 70s and truly don't understand the cost of living and why the birth rate is declining. I don't know, Susie, because most people my age, and I'm a millennial, I'm 38. And most people my age and younger, they don't feel like they can responsibly take care of themselves. And so you want people to be responsible because a lot of my friends with young kids, they have to have two salaries to afford life, but their child care is the cost of their mortgage, if not more. And they bought homes at like a good time, too. Like they have a really good interest rate. Like their mortgage isn't unaffordable as much as a lot of mortgages are now, but their child care is their mortgage. So they're like owning two homes to have children to be able to stay in the workforce so they can just afford life. That's why >> Thursday night, >> you know what? I'm so thankful that I was uh irresponsible sexually when I was younger and had my kids then, right?

[00:05:40]In like 10 years, they'll all be grown, you know, damn near at least. You know, even when they grown, they still be dependent upon their parents. You know, I know teenagers right now like 18, 19, 20. Well, 28 and a teenager, but people in that age group that I'm related to, they cannot find jobs. Like when I was that age, I could have got a job at like a restaurant, Wendy's. I had a job at a a a plant, not a plant, but like a manufacturing type of warehouse place or whatever. They cannot find a job, period. It was not that bad when I was that age. So, I I definitely feel bad for them. But [ __ ] thank God I was irresponsible, dog. Damn.

[00:06:15]>> My wife went and got her hair done. Um I think it was like 110. My dog was groomed yesterday and then me and two of my boys went and got haircuts and it was, you know, with $27 each with tip it was about $100 and then our dog was $100 with tip was 120 all together, man. It's like $350 just for haircuts. So, I don't know. You know, it's crazy. And you go to the store and everything is is super expensive. Just curious, what are you guys doing to uh earn some additional money during these times? Man, am I a wild?

[00:06:47]>> Well, for me, I'm, you know, I got a lot of things going on and I also don't have to pay for a dog to get groomed. That's that's a plus. You know, I got to get my little boy a haircut and [ __ ] but you know, I don't have a poodle or nothing like that that I got to take to the groomer. That's one. I don't have no veterinarian bills or anything like that. I couldn't imagine having to take care of kids and animals right now.

[00:07:07]Well, I do have a dog, but some people, bro, they doing this extra [ __ ] Like, they buying dog clothes and they're feeding their dogs the most expensive.

[00:07:15]Them dogs eating better than some of y'all watching me right now.

[00:07:18]>> Talking about the economy a few minutes ago. And you know, it's like I told her, I don't understand how people >> Somebody beat his ass >> are making it today. I I don't understand how people are living in this economy because everything is so freaking expensive that if you're not making $100,000 a year, I don't I don't know how you're doing it. I I you're a hell of a lot better at managing money than I am. I can tell you that because she goes to the grocery store two or three times a week every week and spends $150 every time she goes. You cannot go to the grocery store now and get out for under $100. No. Indeed. No.

[00:07:57]>> And you might have 10 items. Well, probably. Well, $100 ain't going to buy you 10 items, >> bro. I just told y'all the other day, yesterday or the day before, my kids wanted pasta, bro. The [ __ ] that I needed to make pasta was60 something dollars. Crazy out here in these streets, bro. I would have done better just making my own pasta. Like everything, the the noodles and everything from scratch.

[00:08:17]>> But we never have anything in the house.

[00:08:20]And that's what that's what got it started. I'm like, there's never anything to eat here. And she said, "Well, it's so freaking expensive. By the time you go buy for one meal, that's it." And and and she's she's right.

[00:08:32]That's true. And it just got me thinking, how are people doing it? How are people even feeding themselves, much less feeding a family if you're making a job with, you know, 156, $18 an hour? I I don't know how you're doing it. I I don't.

[00:08:47]>> They got government assistance on top of that, bro. That's what they doing. A lot of people are on welfare, bro. A lot of people getting food stamps. A lot of white folks get food stamps. I don't think he know that. That's how they balling out and getting that food, dog.

[00:08:59]It ain't just It ain't just black folks that's on it. I promise you.

[00:09:02]>> How How are you keeping yourself alive and a roof?

[00:09:06]>> I I I don't get it. I don't get it. You must be a hell of a lot better at managing money than I am.

[00:09:12]>> No, it really do look like somebody put that 5% tint on his uh eye, bro. I guess that would be his right eye if you account for puz cuz if he in front the steering wheel right eye but it looked like his left. Anyway, >> we're talking about how unaffordable it is to be in the US. I'm seeing all these videos. I would just like to say that it is 100% some kind of game because I would buy the exact same L'Oreal shampoo and conditioner, the Revive like super gloss exact same one for €6 in Spain and it is 12 to $15 here.

[00:09:46]>> Oh god, I hate that >> a piece. €6 $15. Same thing. same exact thing.

[00:09:55]>> And the math on that is €6. It's $7. For it to be the same price would be $7 here. And I just bought shampoo and conditioner and it was I think like 14 something for each. So $30 to get shampoo and conditioner. Just just we're getting screwed. The biggest recession indicator to me is that folks can't even afford to live in trailers anymore.

[00:10:18]Don't remember when that used to be for poor folks. Like you used to get bullied if kids found out that you lived in a trailer. Well, don't let them find that [ __ ] out. They're going to call you poor, trailer trash, all types of [ __ ] Nowadays, that's the American dream.

[00:10:30]It's like, God, maybe one day I'll be able to afford a trailer. Maybe if I just pick myself up by my bootstrap and I work real hard, maybe I'll be able to afford a single wide. We have lost the plot entirely. I was on Facebook Marketplace. They wanted $50,000 for a 1980 single wide in a trailer park. Plus $800 a month lot rent. Are you smoking?

[00:10:54]>> What? It gets to a point like ain't no way. Same thing if you like go the people that build them. Like if you want a brand new single wide. I went to Clayton homes just to get a look around.

[00:11:05]Some of them single wides was going for $90,000.

[00:11:08]>> Oh, and that's just a single wide. Like that's not including the land, the permits, the hookup, all that [ __ ] What y'all? What are we doing? No. No.

[00:11:16]Seriously, what are we doing? I can't even afford to to buy a single wide.

[00:11:20]What's lower than low clat cuz that's me. And I'm not talking [ __ ] about trailers because I'm currently renting a double wide, but I was looking into buying. I can't afford that [ __ ] What are we going to do, y'all? I don't know.

[00:11:32]>> Hey, bro. That don't tell you something, dog. They can't afford trailer parks no more. Well, trailer parks was Look, we assume if you lived in a trailer park, you was doing bad. God didn't love you or something. That's That's what we assume now, bro. They they want they want regular living situation prices for damn trailer parks, dog. That's wild.

[00:11:50]>> Video after video after video talking about people talking about going into foreclosure, eviction notices, living paycheck to paycheck and same. Yep. We are living paycheck to paycheck. And I got to thinking, I remember 14 years ago when my daughter was born, I had no money pretty much. I mean, I was working as a waitress. I was young. I was a freshman in college. thinking if I made this much money I would be living stress-free. I do make that much money now. In fact, I make more money than that. I make good money. My husband makes good money. And we are living paycheck to paycheck. Just over the last 5 years, our car insurance has doubled, almost tripled. And no, we don't have any new tickets, no car accidents, nothing. Our uh phone bill has doubled and I've paid off pretty much all of our phones. That's just corporate. Um, our mortgage has gone up $600, $700 since we bought our house five years ago, just from an increase in homeowners insurance and property taxes. Our medical insurance has gone up. More money is being taken out of um my our paychecks or whatever. Um, grocery bills, I don't even can't even fathom how much more it's gone up. At least $600 a month.

[00:13:03]Like, this blows my mind. Like we like worked our way from the bottom to have like these really nice careers thinking like, "Oh, this is it." Like we finally made it. And we are still living paycheck to paycheck. Like been barely making it. Literally stressing out about finances all the time. If this was 20 years ago, we probably would have been considered upper class or I know we would have been considered upper class.

[00:13:28]And now we are literally barely hanging on. Like I it blows my mind and I don't understand how this is okay in any way.

[00:13:38]And all I can picture is like these billionaires billionaires sitting up in their like little offices and just like laughing about how poor we are. I don't know. I'm I'm so mad and frustrated and after seeing so many videos of people losing their houses and apartments and cars and like how is this okay? How is this okay? And the government everyone's just like yeah it's cool. Well, we're millionaires. It's fine.

[00:14:03]>> I feel like >> Hey, dog. It's because the government don't give a [ __ ] about people. I don't care what nobody say, bro. The government, they are looking out for the big corporations that put money into their pockets. That's all it is, dog.

[00:14:14]You got people who go into office on a salary making $400,000 a year and then some kind of way they're worth 25 million after they been in office for like four, five years. That's literally impossible. If you not doing like something shady, some insider trading or something. I don't give a damn if you make a million dollars a year. It's hard to turn 1 million into 25 million in four or five years. Let alone somebody who's making $400,000 a year. This is what the politicians be doing. This is crazy, bro. I'm telling y'all. And the billionaires that own the corporations, they be looking at y'all like, "Bro, if y'all keep working hard, I'm going to be able to get me another mega yacht." like we are not panicking with how quickly and how steeply this economy is going to crash and diseases are going to run rampant. Like I still cannot believe that tap to pay works. We have this entire credit system, this entire economy is built on buy now pay later.

[00:15:14]Buy now pay later. Buy now pay later.

[00:15:17]And at first it's designed as a good thing. It's people want to get a house which they can't afford with the money that they earn from their drugstore. So the bank will give them a small loan with a small interest rate and they'll pay it back over time and everything will kind of square away. And now we've turned everything into that. That's why this is going to be so much worse than 2008 cuz 2008 was only housing. That's the crazy thing. We talk about how 2008 hit all of these different sectors of the economy, but it's just because housing went down. It was because these banks and these subprime mortgage back securities that people the entire thing they were just giving out bad loan loans to people who would never ever pay them back. So they're basic, >> hey, bro, look, they wasn't just doing that. They was they was giving out subprime loans to black people who had good credit and they was using preachers and pastors and prominent people in the African-American community to swindle us, bro. They used to call them ghetto loans at Bank of America. Go and look that up, dog. [ __ ] that had 700 plus credit scores who normally couldn't get tricked out of their position like that, but because people who they trusted told them, "Nah, no, no, go ahead with it." A lot of them got screwed like that, bro. They was going to people's churches and using their pastors to convince them to get these subprime loans. They were called ghetto loans. Look that up. So he talking about regular subprime loans. The one they was giving black folks even more predatory.

[00:16:52]>> Basically they're giving five loans to somebody who makes $20 an hour for five different houses. That's the big short.

[00:17:00]That's the entire thing.

[00:17:02]>> Now that's everything. Now that's the entire economy is built on that. And that's what's so crazy when you think about how far this is going to crash.

[00:17:11]Like boomers are still saying, you know, we know a recession is coming, but you got to keep your money in the market because like when the when the market returns, and it always does, you're going to want to get those gains. You know, you want a dollar cost average.

[00:17:24]And but it doesn't work if there's no money.

[00:17:32]We're now at the point of you can finance your food. Like people are so poor that you can actually finance your food. We went from being able to finance a house to financing a burrito. That's insane.

[00:17:48]>> Just from an a purely economic standpoint, forget the moral issues of everybody should have food as a human right. We're so far past that. The unemployment rate is 4.2% or 4.9%. Like, give me a break.

[00:18:04]>> That's for white folks. It's up to 7 something for black folks. Y'all, I'm telling you, when uh Manhattan catches a cold, Harlem catches the flu.

[00:18:13]>> 96% of people are employed.

[00:18:17]And that's not even to mention like adequately employed. Like if I think if you wanted to look at a real unemployment measure, you would look at like how adequately employed people are for their skill set and knowledge base.

[00:18:29]>> Yeah, they underemployed.

[00:18:30]>> We there's no chance that 96% of people are employed right now. And I have most of my college friends are either vastly undermployed or unemployed now. So that number is just completely wrong.

[00:18:46]I don't think you guys are going to be ready for me to tell you how much I just spent on groceries and show you what I got.

[00:18:52]>> I spent show you what I got. Okay. Sour cream, salsa, cheddar cheese, turkey bacon, taco shells, two bags of tortilla chips. They were like buying get one 50% off. Okay, so there's some deals in here. Two things of salsa packets. These are like a dollar each.

[00:19:14]sourdough bread, um, tortillas, a frozen thing of riced cauliflower, baby spinach, and kind protein bars. Okay, this is this is it right here. I mean, come with >> this might that might be two bags worth.

[00:19:33]>> This is what I bought right here.

[00:19:36]>> All right, y'all. Quick quick quick quick quick quick. How much y'all think all that cost? I'mma go ahead on and say I'm gonna say $105, dog. Just because that just sound real real bad, but that's what I'm going with. What y'all think?

[00:19:46]>> Okay, this is it. This is it.

[00:19:49]>> This cost me >> I probably don't even >> $75.

[00:19:56]Oh, and I had $2 off cuz I'm a frequent shopper.

[00:19:59]>> What? That's still hot dog. That's That looked like the pasta bag when I came home with the groceries to make the pasta. That what it looked like. Oh lord. $75 for that. Boy, it's hard out here, boy.

[00:20:11]>> Crazy. I'm paying $2,300 to live in my house that I own with my husband a month. And we just got a letter saying that we starting November 1st, are going to owe $330 more a month because of property taxes.

[00:20:32]So, for our almost 1,800 square foot house, we're going to be owing $2,600 a month. It's absolutely insane.

[00:20:43]>> They must got a lot of activity going on in her neighborhood for the property in uh taxes to go up that much per month.

[00:20:49]People around there must be buying houses left and right or they must have new construction homes over there that just recently got reappraised or something. I don't know what's going on, but that's crazy. know where to go anymore. I have no home. I have no home.

[00:21:04]I don't even know where to go anymore.

[00:21:06]All I keep doing is driving back and forth on the highways. We spend all our time in the car.

[00:21:13]I can't even cook for him anymore because it's getting colder outside. I try to do my best, but where am I going?

[00:21:19]Where am I going? I'm either driving to a friend's cabin, which is 3 hours away, or I'm driving to a campground, which is $38 a night and has a shower.

[00:21:28]Either way, I'm spending money.

[00:21:38]Inconveniences is inconvenience. They evicted me. I was just starting a new business. I was just starting a new business.

[00:21:46]Hoping to build a financial future. And now all that debt I'm carrying with me, too. Crazy. City of St. John's. We are living in a retirement nightmare right now with so many people facing homelessness. You know, when I grew up seeing your parents and then for me working decades, you think retirement is a time of peace and quiet. You're rewarded for all your hard work. And for so many, it has become a complete nightmare. It's not like that anymore.

[00:22:17]Unfortunately, there are so many people right now that are one rent, one medical bill, and one bad month of being homeless. Y >> out on the streets. That's very sad. But that unfortunately is the reality that we are living in right now. I grew up believing that after working really hard for years and everything would be fine. you know, you're putting you're putting into your 401k, you know, if you're fortunate enough to have a 401k. I worked for only one company that had a 401k, so I really didn't have a whole lot in a 401k. I was fortunate enough to have a pension, not a large one by any means, but I just saved for my retirement. That's what I had to do. So, that's what we're thinking that everything was great. You know, a lot of people get that when you retire when you retire, people are taking all these beautiful vacations and they're walking through the sand on a beach with their margaritas. For the most part, that's not indeed.

[00:23:22]>> Most people aren't doing that. Most people wish they could do that, but most people are not doing that. And so, so many people right now are having a hard time with the the housing costs, the groceries, the insurance. We're being taxed to death. So, you're you're going to see people that are not always going to tell you how bad they're struggling.

[00:23:44]>> Yep.

[00:23:44]>> I get it. They're proud. I get that.

[00:23:47]They're embarrassed as to where they're at in life. They're going to feel like they failed. They didn't do enough to prepare themselves. I didn't always I didn't always do enough to prepare myself. But you're going to find people sleeping in cars. You're going to find people people staying with other family members or going from place to place.

[00:24:07]Can you imagine being in your 60s and 70s and you're not sure if you're going to have a home to go home to next month?

[00:24:16]I can't imagine that. I am very blessed that I have a home and maybe I bought at the right time. I don't know. But it's affordable. I feel thankful that I'm where I'm at. But I feel so bad for some of these people that are one rent away from losing everything. I get that. I don't But I've never been in their shoes. So, but I don't want you to I don't want people to blame themselves because it's not your fault. The system isn't built to protect us in today's world. It's just not.

[00:24:51]>> Hey man, you know what's crazy though?

[00:24:52]She got what she need, a place to live.

[00:24:54]Obviously, she ain't missing no meals and things of that nature. But dog, you know what be blowing me? What get on my nerves? When people who got seemingly a lot of money, they get on the internet and they start [ __ ] on people who are just regular people like, "You not going hard enough. You not grinding. You was dumb. You was being lazy. You was you wasn't being intentional." See, bro, everybody just don't know that type of [ __ ] dog. That's what it is. And for you to be the type of person that try to [ __ ] on them when they down, you evil, bro. And boy, when that fall come, it's going to hurt. I promise you. because nobody going to feel bad for you, dog.

[00:25:26]Some people really get on the internet just to try to, you know, stunt on other people, dog. It's crazy. Why would you do that? But guys, that's the end of the video, man. I hope y'all enjoyed it. I hope y'all are doing everything y'all can to stay afloat cuz [ __ ] ain't easy out here, man. But listen, don't forget to Hype me up.