Ryth - Gen Z Is Actually Going Broke.

Episode Date: November 24, 2025

Gen Z Is Actually Going Broke.

Why would they give me credit cards if they don't want me to use them? Oh, brother. I'm just a girl. Dude, why do I actually feel bad for these people? Seriously, how the hell do you get to a point where AI and TikTok dictate the personality traits you have? How do you let stupid catchphrases like, I'm just a girl, allow you to justify the dumbest actions you can possibly make? A big majority of Gen Z, I am predicting, will be fucking... homeless.

Ooh yeah. All right, people, what's up? Gen Z is actually facing financial ruin. Now, audience, a couple days ago, I made a video called Gen Z is actually going bankrupt. And according to the comments section, you guys really loved that video. So today we're back with a two-piece of the worst financial decisions I've ever seen in my life. Let's begin. I was literally raised in this neighborhood where everybody was wealthy.

Everybody had like daddy's money. I had a friend for private jet. not have a private debt growing up. There is no fucking way that this is the first video we're checking out today. For context, ladies and gentlemen, I source this video from the YouTube channel Financial Audit. This YouTube channel's entire purpose is to get people on the show that is in severe financial debt and trying to help them get out of their terrible financial situation. So if this girl is on this show called Financial Audit, that means that she is in crippling debt.

And here she is complaining about the fact that she didn't have a private jet growing up. Oh, God, guys, she didn't have a fucking private jet growing up. I bet that all of us feel so fucking bad for her. She's sitting here complaining about not having a private jet. Meanwhile, your parents are struggling on a car payment. I bet that all of us can relate to her struggle. Genuinely, shut the fuck up. I grew up in a house with foreclosure notices.

That's hard. I'm sorry. There we go, I'm sure that we can actually relate to the host of the fucking show. Also, you really just have to appreciate Miss Goody Tooshoes saying, oh, that's really hard. She never heard the word foreclosure in her fucking life. By the way, in case you don't know what a foreclosure is, aka you lose your fucking home. And if you get a foreclosure notice, that means, hey, we're about to take your fucking home. I guarantee that she doesn't even know what the fuck that means.

You're not entitled to shit. You are not entitled to living their lifestyle. But literally, it's just like you're used to something. Oh, I grew up in a house with money. Woo! Dude, if this is only the first person that we're reacting to today, I really don't want to see the remaining people in this video. Well, I used to live this lifestyle, so I just have to keep up with it.

Not when you're in crippling financial debt, you fucking moron. This video is going to be hard for me, ladies and gentlemen. It really is. If y'all could just leave a like for my sanity, I would appreciate it. Aw, won't you look at this lady, just trying to make credit card debt look so oo-woo and fucking cute. Listen, lady, let me know how cute it is whenever you have to file for bankruptcy and they take your house and your car and everything you fucking own. Try dancing like that whenever you see this inevitable reality, you fucking moron. What is your girl math?

If I'm buying a shirt for $30 and there's a deal three for $60, I have to get three. No, you fucking don't. You don't have to buy three shirts every time there's a girl. a sale. It is one of the oldest tricks in the book, the whole buy two get one free bullshit. I'm gonna school you guys really quickly. You know that little Nike t-shirt that you wear every day? Yeah, Nike probably spends around maybe $2 to manufacture that shirt. And finally, whenever they give it to retail stores like fucking dick sporting goods, they mark that shit up to $30. In reality, you are not getting a fucking deal at all. Every time that there's a sale going on,

you don't always have to pitch it. At the end of the day, ladies and gentlemen, $30 is less than $60. Especially considering the fact that the t-shirts you're buying was manufactured for two fucking dollars. Now, I'm not encouraging anybody to go buy fake designer or fake clothes by any means, but here is a very simple truth bomb for everybody here. That Dior hoodie that cost $2,000 in the Dior store was manufactured for the same amount of money as the fake Dior. your hoodie. The perception of value

people have is on the price, not actual craftsmanship. Just something for everybody to think about. What is your girl math? If you have cash money and card money, if you spend the cash one, it doesn't count because it's cash, so it won't fall in your bank account. Wait, hold on

just a second. So basically what you're trying to say is that cash isn't real money. Shit, if anything audience, I would argue that cash is the real money and card money is the fake money. I would 10,000 times preferred to get paid in cash rather than card money. Why is that?

Ladies and gentlemen, it's because the fucking government doesn't need to see what I'm spending my money on. I would absolutely prefer to just do cash. But you know what? That's aside from the point. Cash money and card money is still money. Is it really that hard to get paid in cash and you waddle your fat ass to the bank and you deposit that shit?

Is it really that much of an inconvenience to you? Whether it is card or cash, I will appreciate any kind of money. What is your girl math? Oh, gosh, I would say when I'm traveling and I forget a makeup product and I can justify it by going to like Sappora or also in buying that same product because I need it. So it's like free. Shut the fuck up. Are you really that fucking chopped that when you go on vacation and you forget a makeup product that you have to go to Sephora and buy it again?

Mind you, audience, she didn't even say that she has to spend money on it. She said that it was free. Nothing in this world is fucking free, ladies and gentlemen, and if it is free, that means you're the product. Now, if it was something very essential, like skincare, toothpaste, fucking shaving cream, as a man, I would understand all of that. I'm not trying to walk around looking like fucking Moses in my day to day. What really, motherfucker, is it really going to hurt you to not buy your mascara? Your fucking shitty lipstick

And mind you audience She said that this shit was free It's not going to be free Listen if you're ever wondering why you're broken You can't quite afford anything Maybe you should start with what the fuck You just said here Your life is bad and you have 45,000 hours a day

Why would they give me credit cards If they don't want me to use them Hold on a fucking minute Are you being dead ass right now Why would they give you credit cards If they don't want you to use them That's the fucking point! You are by far the dumbest person I've ever seen on this video.

Fucking Nemo has longer-term thinking than you do. There is zero motor functions going on in this lady's brain right now. They give me access to free money. I really wish I had the energy to turn on my webcam right now, and you can see my fucking face. I am actually fucking flabbergasted right now. She is genuinely convincing herself that credit card money is actually, And here she is on financial audit because she's in crippling credit card debt.

Wondering why she's even sitting in that chair right now talking about $45,000 of debt. Girl, you literally have zero self-awareness. Holy shit. Why would they want you to use them? Put yourself in their shoes. Because they want me to use it to spend money. But why? Why would they want to? So they make money. Holy shit, this lady must have activated a neuron that she hasn't used since fucking childhood. They want me to spend money so that they can make money.

Wow, you're a fucking genius. There you go. They're making money, which means you're losing money. But I'm still getting my purchases at the end of the day. Mental fucking illness. At this point, ladies and gentlemen, she's basically describing a normal fucking transaction. Well, they're making money and I'm losing money, but at least I'm still getting what I bought. That's what a fucking transaction is, lady.

You're not getting shit for free, you fucking idiot! You are getting your purchases and if that's all that, that matters to you, then go f-fuck up your life. That's okay. That is your choice. It's not the f*** up. You can live whatever life you want to live. I will accept it. I'm willing to

help those that want to be helped. Do you want to be helped? Do you want the budget? Do you want the chance for a better life? Yeah. Your parents must be ashamed. Yeah, I would be very fucking ashamed too. Well, audience, what do you think?

Subscribe if you would like a part three of poor financial decisions. With that being said, I'll catch you guys later.