WHAT IS ONE BAD FINANCIAL DECISION THAT

@justmoneyish

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Why it worked

The video taps into a common regret about early financial decisions, specifically concerning expensive car purchases. The relatable story, combined with the creator's energetic delivery and the clear call to action for their resale business, likely resonated with viewers, driving engagement.

Summary

A young man shares his biggest financial mistake: financing a BMW M2 at 17, which he later crashed. He advises against financing cars due to high payments and insurance, especially with high APRs. He now resells clothes and promotes his Instagram handle.

Structure

1Bad financial decision: financing a car at a young age
2Regret over car payments and insurance costs
3Crashing the car and high APR
4Working at Chick-fil-A and its customer service expectations
5Transition to reselling clothes
6Promoting Instagram handle for deals

Product placement

Supreme: This is a clothing brand. It merely appears on the person's shirt. Removing it would not change what happens in the video. BMW M2: This is a car. The person talks about financing it and crashing it. Removing it would change what happens in the video. Chick-fil-A: This is a fast-food restaurant. The person talks about working there. Removing it would not change what happens in the video.

Original caption

Young man regrets financing a brand new BMW M2 at a young age because he says it wasn’t worth it #publicinterview #streetinterview #money #bmw #hypebeast

More from @justmoneyish

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On-screen text

WHAT IS ONE BAD FINANCIAL DECISION THAT LIFE DAMN WHEN I WAS LIKE 17 YEARS OLD THIS GUY HE WAS YO BRO I SEE YOU MAKING MONEY AND YOU SHOULD FINANCE A FINANCING A CAR IS THE WORST THING-YOU CAN EVER DO UNLESS YOU CAN PAY FOR IT IN CASH WHY YOU SAY THAT BECAUSE-BRO A 700 TO 800 DOLLAR CAR PLUS YOU GOT INSURANCE THAT'S BASICALLY A RACK FOR A CAR YOU'RE PAYING $1000 YEAH I WAY ABOVE THAT CAR IT WHAT WAS M2 YOU AN M2 M2 YEAH YOU STILL HAVE IT SHOOT YEAH I'M GUY DRIVING AN M2 TRYING TO GET AND OH HELL OH HELL NO I CRASHED THAT I CRASHED THAT BUT THAT'S PROBABLY THE PROBABLY DO 100% A HIGH APR ON I HAD IT WAS LIKE OVER 20% DARN 20% I DIDN'T RIGHT OH YEAH I I WANT I WAS FIRST JOB CHICK FIL A THAT'S BY THE IT WHY IS IT UH LOT OF HOURS AND YOU AND THEY'RE FLEXIBLE BUT YOU CAN WORK LIKE THAT'S WORK RIGHT YOU WANT TO MAKE LIKE THAT JOB BUT I COULDN'T DO IT SO DURING FIL A INTERVIEW DO THEY MAKE YOU WHEN YOU WORK HERE PLEASURE AND ALL THAT HUNDRED PERCENT WAS THAT GUY LIKE AT THE WINDOW NEVER SAY THAT I WAS LIKE HELL NO HELL NO WAITING FOR SAY THAT OKAY NEXT LIKE I'M THAT ALRIGHT FOOD YEAH I'M NOT SAYING THAT I GOT I GOT A NEW AT THE OR I OUT AT CHICK FIL LIKE OH YOU'RE NOT COMING DO YOU EXPECT PAID MORE YOU KNOW IS WHAT IT IS IS YOU MY FIRST JOB-YOU NOWADAYS I'M A SELL CLOTHES WHAT GOT YOU INTO THAT I JUST SUPREME YOU KNOW I'M SAYING LIKE MAKING BREAD BABE ZIP HUNDRED PERCENT YOU KNOW I'M SAYING PUT HIM BRO LOOK STRAIGHT UP BRO YEAH PEOPLE STAY FRESH THEY'RE NOT PAY $1000 PAY $1000 $600 YOU GOT THE DEALS YEAH YOU RAGE UNDERSCORE R A E UNDERSCORE RESells 10% OFF IS IF ISH THAT MORE THAN THAT MORE THAN THAT OKAY THERE YOU GO YEAH LET ME KNOW MAN STRAIGHT UP

Transcript

What is one bad financial decision that you're gonna make in life? Damn, when I was like 17 years old, this guy, he was, yo bro, I see you making money and you should finance a car. Financing a car is the worst thing you can ever do unless you can pay for it in cash. Why you say that? Because bro, a $700 to $800 dollar car, plus you got insurance, that's basically a rack for a car. You're paying $1000. Yeah, I was way above that. Car it. What was? M2, you know what I'm saying? An M2. M2, yeah. You still have it? Shoot. Yeah, I'm guy driving an M2, trying to get and oh hell. Oh hell no. I crashed that. I crashed that. But that's probably the probably do 100%. A high APR on it. I had it was like over 20%. Damn, 20%. I didn't right. Oh, yeah, I got a car. Yeah, I got what I want. Like, I was, my first job was at Chick-fil-A. That's by the. It why is it? Uh, lot of hours and you and they're flexible, but you can work like that's work, right? You want to make like that. Job but I couldn't do it, man. So during, Fil-A interview, do they make you when you work here, pleasure and all that? 100%. But I was that guy like at the window, I was like, never say that. I was like, hell no. Hell no. Waiting for say that. Okay, next. Like I'm that alright. Food, yeah. I'm not saying that. I got, I got a new at the or I calling out at Chick-fil, like, oh, you're not coming. Do you expect paid more? You know, is what it is. Is you my first job, you? Nowadays, I'm a sell clothes. What got you into that? I just Supreme. Supreme. You know, I'm saying? Making bread. Babe zip, you know what I'm saying? Yeah, 100%. You know, I'm saying? I'm saying put him bro. Look straight up bro. Yeah. People stay fresh for the low. They're not gonna pay $1000, pay $1000, $600. You got the deals. Yeah, I got the deals. You rage underscore R A E underscore resells 10% off is if ish that more than that. More than that. Okay. There you go. Yeah. Let me know, man. Straight up.