I really don't get where the entitlement comes from.

@kelseyw97

18.6K followers · usually 8.8K views a post

Views

3.0M

Likes

368.0K

Comments

16.6K

Shares

2.8K

SoundTikTok sound · original sound - kelseyw97

Promoted product

EveryDollar

Why it worked

The video leverages a relatable, contrarian stance on personal finance that challenges common consumerist norms, creating a strong emotional hook that drives engagement.

Summary

The creator defends her decision to drive an older, paid-off vehicle instead of taking on debt for a luxury car. She encourages viewers to prioritize financial freedom and suggests using the EveryDollar app to manage their finances.

Structure

1Creator addresses negative comments about her older car
2Argues against the financial burden of car payments
3Highlights the risk of losing a car due to financial instability
4Encourages saving for a car instead of financing
5Promotes the EveryDollar app as a budgeting tool

Product placement

EveryDollar: (a) ACTS — the creator directs viewers to the link in her bio to use this budgeting app, which is presented as the solution to the financial problem discussed in the video. Removing this mention would remove the specific product recommendation from the video.

Call to action

Link to EveryDollar budgeting app below

Original caption

Is a car payment worth the risk?#oldcar #carpayment #influence #debtfreecommunity #daveramsey

More from @kelseyw97

On-screen text

Is a car payment worth the risk?

Transcript

I really don't get where the entitlement comes from. I recently posted the car that I drive, which is a 1998 Lumina. A few of the comments that I got are just wild to me. I saw someone say that they would be so embarrassed to drive that because it's so ugly. They're not going to drive a POS, they work too hard. Oh hell no, they'd rather keep their payment and that's just some of them that I can remember off the top of my head. I'm sure you do work hard. Most of us do. Most of us go to work every day. You work too hard to be paying interest on a depreciating asset. Someone said my car would be embarrassing to drive. I'm not embarrassed. Who's embarrassed? I lose my job if I have a medical emergency and I can't work. I don't have to worry about someone coming to my house and literally taking my car away. I'm not mad at anyone that has a car payment. I would just love for you to stop and think for a second like is this a smart financial move for me? People give so many excuses for why they feel like they want or need to have these 50, 60 thousand dollar vehicles. People love to say, well I need a reliable vehicle. If if your only goal was to have a reliable vehicle, I don't think you would have borrowed as much money on that car as you did. Part of it has to be for the luxury of it and that's not a bad thing. But instead of making these monthly payments, why don't you pay yourself that monthly payment and then slowly work your way up and then just pay for the car in cash. Yes, I'm sure it would take a hot minute to do. Think about how much better it would feel driving away knowing that car is yours. The bank's not going to ever come and take it away from you. I don't know guys, just something to think about.