Channel Title: Consumer Debt Chit Chat Channel Description: Focus of channel is to apply my consumer debt history (credit card debt, bankruptcies, auto reposession, etc) to current consumer debt issues. I do in-depth commentary to debt programs such as Dave Ramsey, student loan news, Tik Tok and other consumer debt stories - including documentaries. I am debt free My 110k student loan was forgiven 2022 through PSLF waiver after being held for 16 years. <video> 22 year old son questions cosigning dads mortgage Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. </video> <video> Wife annoyed by husbands business hobby so she wants Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/RiA5agNp1dI?si=-IOgp-ISvzj71rYV </video> <video> Poor spending forces couple age 76 to work Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. </video> <video> No assets entrepreneur lives at home seeks million dollar loan to Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/Ca6tLOUuero?si=dQ1H4GLR4Mg6Eg6L </video> <video> Her 300K student debt may be the least of her problems Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/NoK46aGC9ro?si=4vskO7H74LqiOt44 PAID affiliate commission link below to the headphones I am wearing in this video. </video> <video> 100K debt lazy wife and new baby means husband must Description: Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/eU07JpPLKXA?si=LQDva71i8ImhS1j2 </video> <video> Broke on 600k income because Description: Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Ramsey https://youtu.be/xz5rJziEDn0?si=mzmFFMBF_If43reD I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. </video> <video> She remarried but owes 100K to IRS with her ex Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/CHzdY8FmDk8?si=HjESqhkOHWP1Ywll </video> <video> Lazy wife expects lazy husband to work so she can just Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/VQ8YnKYaVYw?si=u4DQXVrlChWe_rjI </video> <video> PBS Documentary surviving on fast food salary Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. PBS https://youtu.be/9-Y7BPqj_G0?si=B13WdQ0thNWJYQ30 </video> <video> How I went bankrupt at age 25 over credit card debt Description: Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Video full link: https://youtu.be/2mHsTKvAuZc?si=2P5bhbHyZOKVi62K </video> <video> His 1K a month tobacco addiction is wifes greatest Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey: https://youtu.be/_Mtf5Dl-maU?si=vKDBLGoVDkh5j7JK </video> <video> Embarassed by working class boyfriend because she makes a whopping Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/OehWvJJ0GMM?si=vsPDnJRHikqY9X4d </video> <video> He lent 25K to his brother who gave the money to Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/AULR84WqT-8?si=gqDb-W_5iFMRLmJ_ </video> <video> Single mom pays 27% auto loan for a car thats worth Description: I am both a YouTube and Walmart SHOPPING AFFILIATE. As such I earn a COMMISSION when you purchase products through my channel. My small commission comes at NO extra cost to you. If available, I will display onscreen a PROMO CODE to assist you with discounts. Happy shopping. Me: 57 year old 110k student loan paid off by PSLF waiver (2022) I had 2 bankruptcies: credit card and auto reposession in my 20s and 30s Financial status 2024: Debt free - Live on less than 50% of my single school teacher income. Channel purpose: COMMENTARY response videos dealing with ALL forms of CONSUMER DEBT stories: Student loans, Dave Ramsey, documentaries, credit cards, Tik Tok debt etc. Links to all stories BUT Tik Tok can be found below so you may listen to them uninterrupted if you prefer. Thanks for being here. Ramsey https://youtu.be/PFrfT7ead-g?si=cLed9GQXdcqGeBsa </video>

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Description

Focus of channel is to apply my consumer debt history (credit card debt, bankruptcies, auto reposession, etc) to current consumer debt issues. I do in-depth commentary to debt programs such as Dave Ramsey, student loan news, Tik Tok and other consumer debt stories - including documentaries.
I am debt free
My 110k student loan was forgiven 2022 through PSLF waiver after being held for 16 years.

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