Published: 2025-12-05
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 10
Prediction
Topic
Status
Y Refi is projected to offer student loan refinancing with interest rates under 6%, significantly lower than typical market rates.
"Y Refi says, 'Chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them.' And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle."
Correct
DollarWise budgeting app is predicted to become more widely adopted, with a promotional offer of a free trial and discounted subscription to help users gain financial control.
"And when you download Dollar today, you'll get a drive for free, plus three months for just $9.99. So, you can finally take control and see what your money's been doing behind your back."
Correct
The real estate market is predicted to underperform compared to renting in the near future.
"Market has just beyond outperformed buying. So, at this point, it makes more sense to rent."
Incorrect
Rent control policies are predicted to be ineffective and ultimately harmful to the majority of people, despite sounding morally good.
"There's not a single rent control city that has actually benefited the vast majority of people. Small percentage of of course for the negative effect of everyone. It's just a performative policy. It's a virtue signal policy. It's one that sounds good. One that sounds all moral but actually leads to results that hurt the majority."
Correct
Renting is predicted to be a more financially advantageous strategy than buying property due to market performance.
"Market has just beyond outperformed buying. So, at this point, it makes more sense to rent."
Pending
A combination of avoiding financial mistakes (like car accidents leading to debt) and utilizing budgeting tools like DollarWise is recommended for financial improvement. Signing up for the annual version of DollarWise is also suggested for cost savings, and a budget-friendly cookbook will be offered.
"One, don't get in a car wreck like her cuz it clearly ruined her brain. But two, you can also download the dollar-wise budgeting app. Take the free trial, see if you like it, and if you do, sign up for the annual version because you save a lot of money when you do that, and then I'll personally sign my budget friendly cookbook and mail it directly to your door."
Pending
Despite claims of not being able to afford budgeting apps, spending habits (e.g., $700 on dining out) are identified as the primary barrier to financial improvement, making affordability excuses invalid.
"You spend 700 going out to eat. It is two bucks a month. Well, like I can't afford like off. Hey, I would like to explain to you it's a podcast. Can I talk? You can, but that was a lie that you can't afford it. Well, yes, but this shit alone is 400. So, I like"
Correct
The speaker plans to eliminate credit card usage entirely, despite societal and peer pressure to maintain credit card lines for payment purposes.
"I have a plan in place. And I'm not ever going to be a credit card person. No matter. Okay. So, I have co-workers. I have a co-orker who I told him I closed my credit cards and he looked at me. He said, 'How are you going to pay for anything?'"
Correct
The speaker predicts that renting will outperform buying in the real estate market.
"Market has just beyond outperformed buying. So, at this point, it makes more sense to rent."
Pending
A change in mindset regarding finances is not enough; actual behavioral changes are necessary to achieve financial rewards. Positive self-talk without action will not lead to progress.
"Mindset, not behavior. So, I don't care... I'm sorry. I'm not going to hand a win to it. I'm not just just for the sake of being a nice Okay. I'm sorry about that. Like just because you're crying too and I'm sorry like I am not going to just sit here and treat you different. Right. I'm not going to I'm not going to because your mindset has changed excuse the behavior not changing."
Correct
The speaker predicts that rent control policies are ineffective and harmful to the majority of people, despite sounding moral.
"It has never worked in the history of ever. It has never been proven to work. Never. There's not a single rent control city that has actually benefited the vast majority of people. Small percentage of course for the negative effect of everyone. It's just a performative policy. It's a virtue signal policy."
Pending
An EV Volt was purchased in conjunction with an ex-partner. The ex-partner is currently covering the car payments, and the transfer of ownership to the speaker will occur upon payoff, implying a future resolution of the car financing.
"So, this car was purchased in conjunction with my ex... he just pays the payment. So, he... But I actually owe 10,750 on it. That amount is how much he's paid off. And then once it's paid off, he's going to transfer it into my name."
Pending
The speaker predicts that private student loans are stressful and that Y Refi offers interest rates under 6% for refinancing, which is exceptionally low.
"Private student loans can make you feel like you're one mispayment away from selling your grandma's heirlooms. We miss you, grandma. Why? Refi says, "Chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them." And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle."
Correct
A Bachelor's degree in English literature has resulted in significant student loan debt, but the skills gained are considered valuable for current HR-related marketing and documentation tasks within the speaker's company.
"Bachelor's in English literature. Oh, good death. What are we doing? I mean, my company really appreciates that I have it because I write a lot of our HR related uh marketing stuff and like employee facing documents."
Pending
The speaker predicts that financial issues stem from a lack of tracking, not bad luck, and recommends the Dollar app for tracking expenses.
"You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar. It shows you exactly where your money is going every single month."
Unrated
Due to significant unexpected expenses (like plumbing issues) and a lack of perceived need for a backup plan, the speaker is looking to divest from homeownership, even if it means not realizing a significant profit.
"It's just a pain in my rear end. It's um I just had to spend another 6,000 last week in plumbing issues. So I'm just over the home ownership thing. Even if I wasn't going to be making 50,000 off of it, then I would still want to get rid of it because I'm it was my backup plan when I moved to Seattle and I've been out on my own 3 years now successfully. Well, semisuccessfully. Um, and I just don't feel like I need it anymore and it's annoying."
Correct
The speaker predicts that a Perkins loan is in default and is a private loan, which the individual was unaware of.
"That one's in default. So, none right now. I didn't realize that it wasn't a part of the bundles of my other student loans. And by the time I did about it, it's a private loan. I didn't understand."
Pending
The speaker predicts that high interest rates (36%) on Credit One cards are leading to multiple late fees and debt.
"Multiple late fees this year. Are we surprised? No. Close and stuff like that. 36% interest rate. Yeah, it's insane. Concor the company who owns those three cards. Uh it's kind of like I don't know just crazy interest rates that I never thought were even possible."
Correct
The speaker predicts that an ex-partner is paying the interest on a car loan, only accepting $250/month from the speaker, implying an unusual loan arrangement.
"So, this car was purchased in conjunction with my ex... he only accepts um 0% from me and he just pays the payment. So, he... So, I What does that mean? I offered to pay the full payment and he was like, "No, you're not going to pay the interest on this. Just pay me$ 250 a month.""
Pending
The speaker predicts that unexpected and significant homeownership costs, like $6,000 in plumbing issues, are making them want to sell their house.
"It's just a pain in my rear end. I I'm tired of dealing with it. It's um I just had to spend another 6,000 last week in plumbing issues. So I'm just over the home ownership thing."
Pending
The speaker predicts owing $55,349.13 in federal student loans for a Bachelor's in English literature.
"federal student loan. 55,000ish $55,349.13 for what? What was your degree? Bachelor's in English literature."
Pending
The speaker predicts current retirement savings are around $6,000, which is considered dramatically behind.
"retirement. 7,000. 8,000. Five. Six. Yeah, it was 6,000."
Unrated
The speaker predicts the individual has no emergency fund, scoring a 0 out of 10 in this category.
"Emergency fund, nothing, right? Nothing."
Unrated
The speaker proposes a debt payoff strategy contingent on proving budget adherence for two months, involving selling a house to clear debt, building an emergency fund, and catching up on retirement savings.
"If you can prove that you can follow a budget for two months, I will allow you to take the money from selling a house and pay off all your debt and then you start contributing, get a fully funded emergency fund, and then start catch up on retirement cuz you got to"
Pending
The speaker predicts their house is worth twice the amount owed on it, suggesting a profitable sale.
"It's worth twice what I owe on it."
Pending
The speaker predicts approximately $1,000 in equity for a car.
"little equity position about 1,000 bucks"
Incorrect
The speaker predicts that setting up a payment plan for a loan is not an available option.
"I tried to set up a payment plan for it, but it doesn't give me the option."
Incorrect
The speaker predicts the private value of a car is $16,000 based on KBB valuation three months prior.
"Um, well, the last time I looked on KBB, it was 16,000 private."
Pending
A Perkins loan is in default, and it's identified as a private loan, which the individual was unaware of.
"That one's in default. So, none right now. I didn't realize that it wasn't a part of the bundles of my other student loans. And by the time I did about it, it's a private loan. I didn't understand."
Correct
The speaker highlights a 36% interest rate on a credit card.
"36% interest rate."
Pending
The speaker predicts the interest rate on a car loan is approximately 10%.
"um I think it was 10%."
Incorrect
The speaker predicts that the value of their house is double the amount owed on it.
"It's worth twice what I owe on it."
Pending
The speaker predicts a credit score has improved from around 520.
"Pulled up from like 520."
Pending
The speaker predicts that a car loan will be transferred into their name once it is fully paid off.
"And then once it's paid off, he's going to transfer it into my name."
Pending
The speaker predicts a mortgage interest rate of 3.12%, calling it incredible.
"you're locked in at a 3.12% interest rate. That's incredible."
Incorrect
The speaker predicts approximately $1,000 in equity for a car.
"little equity position about 1,000 bucks"
Unrated
The speaker predicts owing $55,349.13 in federal student loans.
"federal student loan. 55,000ish $55,349.13"
Pending
The speaker predicts current retirement savings are around $6,000.
"retirement. 7,000. 8,000. Five. Six. Yeah, it was 6,000."
Pending
The speaker predicts the individual has no emergency fund.
"Emergency fund, nothing, right? Nothing."
Correct
The speaker predicts paying $250 monthly on a car loan, which is less than the minimum of $280.
"So, technically the minimum monthly is 280, but I pay 250."
Incorrect
The speaker predicts a car was purchased in conjunction with an ex-partner.
"So, this car was purchased in conjunction with my ex"
Correct
The speaker predicts spending $6,000 on plumbing issues.
"I just had to spend another 6,000 last week in plumbing issues."
Pending
The speaker highlights a 36% interest rate on a credit card.
"36% interest rate."
Correct
The speaker predicts a credit score has improved from approximately 520.
"Pulled up from like 520."
Pending
The speaker predicts owing $55,349.13 in federal student loans.
"federal student loan. 55,000ish $55,349.13"
Correct
The speaker predicts a car loan will be transferred into their name once it is paid off.
"And then once it's paid off, he's going to transfer it into my name."
Pending
The speaker predicts a mortgage interest rate of 3.12%.
"you're locked in at a 3.12% interest rate. That's incredible."
Incorrect
The speaker predicts approximately $1,000 in equity for a car.
"little equity position about 1,000 bucks"
Pending
The speaker proposes a debt payoff strategy contingent on proving budget adherence for two months, involving selling a house to clear debt, building an emergency fund, and catching up on retirement savings.
"If you can prove that you can follow a budget for two months, I will allow you to take the money from selling a house and pay off all your debt and then you start contributing, get a fully funded emergency fund, and then start catch up on retirement cuz you got to"
Pending
The speaker predicts that renting will outperform buying in the real estate market.
"Market has just beyond outperformed buying. So, at this point, it makes more sense to rent."
Correct
The speaker predicts that rent control policies are ineffective and harmful to the majority of people.
"It has never worked in the history of ever. It has never been proven to work. Never. There's not a single rent control city that has actually benefited the vast majority of people. Small percentage of course for the negative effect of everyone. It's just a performative policy. It's a virtue signal policy."
Pending
The speaker predicts that private student loans are stressful and that Y Refi offers interest rates under 6% for refinancing.
"Private student loans can make you feel like you're one mispayment away from selling your grandma's heirlooms. We miss you, grandma. Why? Refi says, "Chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them." And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle."
Correct
The speaker predicts that financial issues stem from a lack of tracking, not bad luck, and recommends the Dollar app for tracking expenses.
"You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar. It shows you exactly where your money is going every single month."
Unrated
The speaker predicts a car loan will be transferred into their name once it is paid off.
"And then once it's paid off, he's going to transfer it into my name."
Pending
The speaker predicts a mortgage interest rate of 3.12%.
"you're locked in at a 3.12% interest rate. That's incredible."
Incorrect
The speaker predicts spending $6,000 on plumbing issues.
"I just had to spend another 6,000 last week in plumbing issues."
Pending
The speaker highlights a 36% interest rate on a credit card.
"36% interest rate."
Correct
The speaker predicts a credit score has improved from approximately 520.
"Pulled up from like 520."
Pending
The speaker predicts owing $55,349.13 in federal student loans.
"federal student loan. 55,000ish $55,349.13"
Pending
The speaker predicts current retirement savings are around $6,000.
"retirement. 7,000. 8,000. Five. Six. Yeah, it was 6,000."
Unrated
The speaker predicts the individual has no emergency fund.
"Emergency fund, nothing, right? Nothing."
Pending
The speaker predicts paying $250 monthly on a car loan, which is less than the minimum of $280.
"So, technically the minimum monthly is 280, but I pay 250."
Correct
The speaker predicts a car was purchased in conjunction with an ex-partner.
"So, this car was purchased in conjunction with my ex"
Pending
The speaker predicts approximately $1,000 in equity for a car.
"little equity position about 1,000 bucks"
Pending
The speaker predicts that the value of their house is double the amount owed on it.
"It's worth twice what I owe on it."
Pending
A Perkins loan is in default, and it's identified as a private loan, which the individual was unaware of.
"That one's in default. So, none right now. I didn't realize that it wasn't a part of the bundles of my other student loans. And by the time I did about it, it's a private loan. I didn't understand."
Correct
The speaker predicts the interest rate on a car loan is approximately 10%.
"um I think it was 10%."
Incorrect
The speaker predicts that rent control policies are ineffective and harmful to the majority of people.
"It has never worked in the history of ever. It has never been proven to work. Never. There's not a single rent control city that has actually benefited the vast majority of people. Small percentage of course for the negative effect of everyone. It's just a performative policy. It's a virtue signal policy."
Pending
The speaker predicts that private student loans are stressful and that Y Refi offers interest rates under 6% for refinancing.
"Private student loans can make you feel like you're one mispayment away from selling your grandma's heirlooms. We miss you, grandma. Why? Refi says, "Chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them." And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle."
Correct
The speaker predicts that financial issues stem from a lack of tracking, not bad luck, and recommends the Dollar app for tracking expenses.
"You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar. It shows you exactly where your money is going every single month."
Unrated
The speaker predicts that renting will outperform buying in the real estate market.
"Market has just beyond outperformed buying. So, at this point, it makes more sense to rent."
Correct
The guest received a financial score of 2 out of 10.
"I'm sorry, but your score is a 2 out of 10. You've got to do better."
Unrated
Rent control policies are predicted to ultimately hurt the majority of people and are ineffective.
"There's not a single rent control city that has actually benefited the vast majority of people. Small percentage of course for the negative effect of everyone. It's just a performative policy. It's a virtue signal policy. It's one that sounds good. One that sounds all moral but actually leads to results that hurt the majority. And that's all that matters in the end is what actually happens. not what sounds good to advocate for."
Pending
Private student loans are challenging but can be refinanced at rates under 6%.
"Private student loans can make you feel like you're one mispayment away from selling your grandma's heirlooms. We miss you, grandma. Why? Refi says, 'Chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them.' And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle."
Correct
A budgeting app is recommended to help users understand where their money is going, with a free trial and discounted initial period.
"You get a drive for free, plus three months for just $9.99. So, you can finally take control and see what your money's been doing behind your back."
Correct
The real estate market is predicted to outperform buying, suggesting renting is more financially sensible.
"Market has just beyond outperformed buying. So, at this point, it makes more sense to rent."
Incorrect
Realtor and Zillow data on house value is considered, but the strategy of using equity to pay off debt is questioned due to potential for repeated debt accumulation without behavioral change.
"My realtor. And also Zillow, but I know Zillow is... It's not great, but at least it aggregates data a little better than a realtor who might just be trying to sell you on it. Okay. Okay. Well, that'd be nice. So, I'm hoping, well, that's a debt payoff plan, but that's not a sustainable debt payoff plan because again, that's like bankruptcy or consolidation without changing the behavior in the first place. And I see last month's of behavior is still spending $1,000, which is over a fourth of your income on [EXPLETIVE] at a minimum. By the way, it's probably closer to a third. We'll see. So, would I immediately destroy all the equity you have in your house to build all your debt back up again? I wouldn't necessarily suggest show. You can say you're different, but I've seen it on this show every time someone's tried to do that."
Pending
A person's decision to reopen a credit card after previously closing it is seen as proof that previous attempts to fix financial issues were unsuccessful.
"I thought she fixed it like a month ago. Then she reopened and it dude, no. You can't do this. You can't give me all that good talk, that good selft talk when you literally just proved a month ago that it didn't work."
Correct
An electric vehicle purchase is questioned due to the lack of home charging options, implying it was an unwise decision.
"Oh, yeah. [sighs and gasps] No. Okay. Then I wouldn't have got an EV."
Correct
The value of an English literature study abroad trip to England for job market applicability is questioned.
"Oh, that really translates to the job market."
Correct
A personal anecdote is shared about opting for a used car over a new one to get a better deal, implying a wiser financial decision.
"I didn't buy a brand new car when I needed a new car, Caleb. I went and got a used car and I got a good deal on it."
Correct
The car's equity is estimated to be around $1,000 based on KBB valuation.
"It's worth $1,222 by the way. Okay. The car little equity position about $1,000 bucks and that is KPB."
Correct
The guest's debt-to-income ratio is significantly higher than expected for their age.
"Dramatically behind for our age."
Correct
A $100 budget for 'TB fun' (Taco Bell fun) is highlighted, while medical expenses are covered by FSA.
"TB fun. Anything else you need? And it's 100 bucks. Medical, healthcare, co-pays, anything like that? FSA."
Pending
The guest has no emergency fund, scoring zero out of ten in that category.
"Emergency fund, nothing, right? Nothing. Zero out of 10."
Pending
The guest's retirement savings are estimated to be around $6,000.
"7,000. 8,000. Five. Six. Yeah, it was 6,000."
Pending
The guest's real estate score is a 7 out of 10, with a preference for them to live in the property, but the interest rate is considered good.
"Real estate, that is okay. Don't like that you don't live in it. Okay. But it's an actually pretty okay house. Great. Interest rate 7 out of 10."
Unrated
There's a mention of 'tenant money' that requires explanation, possibly related to the guest's rental property.
"Yo, your tenant money. What does that even mean?"
Correct
The guest wanted to provide a 'Seattle life' experience for someone, implying an intention to showcase the city's lifestyle.
"I wanted her to Seattle life."
Correct