Would you like to inspect the original subtitles? These are the user uploaded subtitles that are being translated:
1
00:00:08,040 --> 00:00:10,200
[MUSIC PLAYING]
2
00:00:10,200 --> 00:00:12,050
ALANA HUNTER: My name is Alana.
3
00:00:12,050 --> 00:00:13,130
I'm 24 years old.
4
00:00:13,130 --> 00:00:15,140
And I live in West
Hollywood, California.
5
00:00:15,140 --> 00:00:19,070
I went to Pepperdine
and graduated in 2017.
6
00:00:19,070 --> 00:00:23,000
I love going out with my
friends, cocktails and dinner,
7
00:00:23,000 --> 00:00:26,020
shopping and spending money,
wearing all the newest trends.
8
00:00:26,020 --> 00:00:27,210
Like, living the good life.
9
00:00:27,210 --> 00:00:29,140
I started a lifestyle
YouTube channel,
10
00:00:29,140 --> 00:00:32,180
and I'm really enjoying that,
but the thing is I'm broke.
11
00:00:32,180 --> 00:00:33,150
[MUSIC PLAYING]
12
00:00:33,150 --> 00:00:35,200
DAN ROSENSWEIG:
Here are the facts.
13
00:00:35,200 --> 00:00:37,140
The numbers are massive.
14
00:00:37,140 --> 00:00:42,000
44 million people have
borrowed over $1.5 trillion
15
00:00:42,000 --> 00:00:47,060
in student loan debt,
and it doesn't end there.
16
00:00:47,060 --> 00:00:49,190
My name is Dan
Rosensweig, and I'm
17
00:00:49,190 --> 00:00:53,030
the CEO of the multi-billion
dollar company Chegg.
18
00:00:53,030 --> 00:00:54,170
This is my mission.
19
00:00:54,170 --> 00:00:57,180
With the help of my financial
expert, Danetha Doe,
20
00:00:57,180 --> 00:00:59,230
we're going to
help young people.
21
00:00:59,230 --> 00:01:01,010
The walls are closing in?
22
00:01:01,010 --> 00:01:01,150
Yeah.
23
00:01:01,150 --> 00:01:04,110
DAN ROSENSWEIG: Who are
drowning in extreme debt.
24
00:01:04,110 --> 00:01:05,100
How many credit cards?
25
00:01:05,100 --> 00:01:06,230
10, 11, 12--
26
00:01:06,230 --> 00:01:08,170
12.
27
00:01:08,170 --> 00:01:11,190
DAN ROSENSWEIG: To build a
life of financial independence.
28
00:01:11,190 --> 00:01:13,150
I just want to get out of
debt, and I want your help.
29
00:01:13,150 --> 00:01:16,060
When the world is pushing
down on you, it's very hard.
30
00:01:16,060 --> 00:01:18,020
DAN ROSENSWEIG: This
is an economic crisis
31
00:01:18,020 --> 00:01:20,010
of epic proportions.
32
00:01:20,010 --> 00:01:21,120
I don't use that much.
33
00:01:21,120 --> 00:01:22,190
DAN ROSENSWEIG: And
we have to fix it.
34
00:01:22,190 --> 00:01:23,160
No, come on.
35
00:01:23,160 --> 00:01:24,150
Ahh!
36
00:01:24,150 --> 00:01:26,160
DAN ROSENSWEIG: They're going
to hate it, but when we're done,
37
00:01:26,160 --> 00:01:28,160
they're going to be on the
road to financial freedom.
38
00:01:28,160 --> 00:01:30,110
Do you feel good about
what we've done so far?
39
00:01:30,110 --> 00:01:31,010
I do.
40
00:01:31,010 --> 00:01:32,200
Thank you.
41
00:01:32,200 --> 00:01:35,120
DAN ROSENSWEIG: This
is Going From Broke.
42
00:01:38,230 --> 00:01:40,230
[MUSIC PLAYING]
43
00:01:40,230 --> 00:01:44,000
DAN ROSENSWEIG: Another day,
another dollar somebody owes.
44
00:01:44,000 --> 00:01:44,200
Where are we going today?
45
00:01:44,200 --> 00:01:46,160
We are headed
off to see Alana.
46
00:01:46,160 --> 00:01:49,030
She's 24 years old,
recent graduate
47
00:01:49,030 --> 00:01:50,110
from Pepperdine University.
48
00:01:50,110 --> 00:01:53,210
She got an awesome job working
for this huge production
49
00:01:53,210 --> 00:01:56,100
company right after
school, but then
50
00:01:56,100 --> 00:01:58,220
quit, because she wants
to pursue a career
51
00:01:58,220 --> 00:02:00,120
as a full-time YouTuber.
52
00:02:00,120 --> 00:02:01,230
Seriously?
53
00:02:01,230 --> 00:02:03,090
She must be in
financially good shape,
54
00:02:03,090 --> 00:02:05,080
because nobody would take
that risk, would they?
55
00:02:05,080 --> 00:02:09,150
Well, she has $75,000
in student loan debt.
56
00:02:09,150 --> 00:02:11,140
So I would say she
was not in a position,
57
00:02:11,140 --> 00:02:14,000
financially, to take that risk.
58
00:02:14,000 --> 00:02:15,040
Oh, you're going to love this.
59
00:02:15,040 --> 00:02:16,010
Oh, there's more?
60
00:02:16,010 --> 00:02:16,180
There's more.
61
00:02:16,180 --> 00:02:21,000
She has started investing
with what cash I don't know.
62
00:02:21,000 --> 00:02:27,100
However, she decided to invest
$3,500 in cryptocurrency.
63
00:02:27,100 --> 00:02:29,000
Oh, no.
64
00:02:29,000 --> 00:02:29,140
OK.
65
00:02:29,140 --> 00:02:32,080
We have our work cut out for us.
66
00:02:32,080 --> 00:02:36,220
She's living in a fantasy world
of YouTube and cryptocurrency.
67
00:02:36,220 --> 00:02:40,190
And we're going to have to
force her to take an honest look
68
00:02:40,190 --> 00:02:42,060
at the choices she's making.
69
00:02:42,060 --> 00:02:43,110
Absolutely.
70
00:02:48,040 --> 00:02:50,090
Hi.
71
00:02:50,090 --> 00:02:52,070
Come on in.
72
00:02:52,070 --> 00:02:53,160
Well, how are you?
73
00:02:53,160 --> 00:02:54,060
I'm so good.
74
00:02:54,060 --> 00:02:54,200
How are you?
75
00:02:54,200 --> 00:02:55,180
Well.
76
00:02:55,180 --> 00:02:57,020
It's great to finally meet you.
77
00:02:57,020 --> 00:02:58,130
It's great to
meet you guys too.
78
00:02:58,130 --> 00:03:00,160
This whole discussion is going
to be about trying to put you
79
00:03:00,160 --> 00:03:04,040
on the right footing so that
you have the life and the career
80
00:03:04,040 --> 00:03:04,200
that you want.
81
00:03:04,200 --> 00:03:06,190
So maybe it would be better
for us to hear a little bit
82
00:03:06,190 --> 00:03:11,100
from you about how you see your
situation and what's your goal.
83
00:03:11,100 --> 00:03:12,210
I think when I
started college,
84
00:03:12,210 --> 00:03:15,120
and I guess I was just sort of
in the mindset of this school
85
00:03:15,120 --> 00:03:17,100
is expensive, but I'll
be able to pay it off
86
00:03:17,100 --> 00:03:19,070
once I graduate and
get a really good job.
87
00:03:19,070 --> 00:03:21,230
Like, I'll pay it off
in, like, a couple years.
88
00:03:21,230 --> 00:03:24,230
So I never really thought
that it would take that long
89
00:03:24,230 --> 00:03:27,040
or would be so
hard to save money.
90
00:03:27,040 --> 00:03:29,090
Well, also, you had a
great job, and you quit it.
91
00:03:29,090 --> 00:03:30,230
Yeah, that's true.
92
00:03:30,230 --> 00:03:32,030
That's a decision
that you made,
93
00:03:32,030 --> 00:03:33,160
and maybe it wasn't
the right decision.
94
00:03:33,160 --> 00:03:34,150
Yeah.
95
00:03:34,150 --> 00:03:38,160
Right now, I am living off
my savings, which I made when
96
00:03:38,160 --> 00:03:40,220
I was working a corporate job.
97
00:03:40,220 --> 00:03:43,140
But I knew I wanted to get
into a more creative field.
98
00:03:43,140 --> 00:03:45,220
I am a livestreamer
and I'm a YouTuber.
99
00:03:45,220 --> 00:03:49,110
Today, I'm going to be making
guacamole from scratch.
100
00:03:49,110 --> 00:03:50,160
Woo!
101
00:03:50,160 --> 00:03:51,160
Oh, man.
102
00:03:51,160 --> 00:03:53,020
That's spicy.
103
00:03:53,020 --> 00:03:55,200
I do not want to go back
to working 40 hours a week.
104
00:03:55,200 --> 00:03:57,120
It was really exhausting.
105
00:03:57,120 --> 00:04:01,220
But I went through that savings
from my first job so, so fast.
106
00:04:01,220 --> 00:04:04,100
I felt like I was spending
money like toilet paper.
107
00:04:04,100 --> 00:04:06,120
DAN ROSENSWEIG: This is all
going to be about choices
108
00:04:06,120 --> 00:04:07,190
and sacrifice.
109
00:04:07,190 --> 00:04:11,030
And if you want to be an artist
and creativity is your life,
110
00:04:11,030 --> 00:04:13,020
there's nothing wrong with that.
111
00:04:13,020 --> 00:04:16,060
However, you may have heard
the phrase starving artist.
112
00:04:16,060 --> 00:04:17,000
Yeah.
113
00:04:17,000 --> 00:04:18,070
You ain't starving.
114
00:04:18,070 --> 00:04:22,020
You're living a life as if you
have already been successful.
115
00:04:22,020 --> 00:04:25,030
And that is never going
to lead you to the success
116
00:04:25,030 --> 00:04:28,050
that you actually need and want.
117
00:04:28,050 --> 00:04:31,050
I feel like if I don't make
drastic changes to my life,
118
00:04:31,050 --> 00:04:33,020
like, I'm going to be screwed.
119
00:04:33,020 --> 00:04:34,170
So budgeting and
figuring out how
120
00:04:34,170 --> 00:04:38,130
much I have to actually live
on will be really beneficial.
121
00:04:38,130 --> 00:04:40,120
Well, do you even
know overall what
122
00:04:40,120 --> 00:04:42,130
your spending is for the month?
123
00:04:42,130 --> 00:04:43,150
No, I don't.
124
00:04:43,150 --> 00:04:46,140
These are kind of just averages
of the last couple of months.
125
00:04:46,140 --> 00:04:48,070
At least according
to last month,
126
00:04:48,070 --> 00:04:53,110
you spent $300 on laser hair
removal, manicures, $400
127
00:04:53,110 --> 00:04:54,150
on clothing.
128
00:04:54,150 --> 00:04:58,060
Alana has $2,300 in
monthly expenses,
129
00:04:58,060 --> 00:05:00,040
including minimum
payments on her credit
130
00:05:00,040 --> 00:05:01,180
cards and student loan.
131
00:05:01,180 --> 00:05:04,130
But her YouTube channel
is only bringing
132
00:05:04,130 --> 00:05:07,190
in $1,600 per month,
which means she's adding
133
00:05:07,190 --> 00:05:10,130
$700 in debt every month.
134
00:05:10,130 --> 00:05:13,010
You're not only not
paying down your loans,
135
00:05:13,010 --> 00:05:14,130
but you're adding to it.
136
00:05:14,130 --> 00:05:17,070
And you've actually put your
parents at risk, because they
137
00:05:17,070 --> 00:05:18,170
signed for this loan.
138
00:05:18,170 --> 00:05:21,110
So if you don't pay it
back, you realize that you
139
00:05:21,110 --> 00:05:22,170
can't declare bankruptcy.
140
00:05:22,170 --> 00:05:26,190
They'll take your
parent's assets.
141
00:05:26,190 --> 00:05:28,100
It's really scary
142
00:05:28,100 --> 00:05:30,060
DAN ROSENSWEIG: Yeah,
it is really scary.
143
00:05:30,060 --> 00:05:31,220
And when you
quit your job, did
144
00:05:31,220 --> 00:05:34,140
you expect to immediately
be able to replace
145
00:05:34,140 --> 00:05:37,060
that income with YouTube?
146
00:05:37,060 --> 00:05:38,050
Honestly, no.
147
00:05:38,050 --> 00:05:40,130
So what are you thinking?
148
00:05:40,130 --> 00:05:42,050
I understand you
took your savings,
149
00:05:42,050 --> 00:05:43,030
and you made an investment.
150
00:05:43,030 --> 00:05:44,080
Yeah.
151
00:05:44,080 --> 00:05:45,140
I had extra savings.
152
00:05:45,140 --> 00:05:47,040
And I was still at my
corporate job, so I felt--
153
00:05:47,040 --> 00:05:49,100
First of all, you
don't have extra savings.
154
00:05:49,100 --> 00:05:52,080
And so I'm like, you
know, I want to start
155
00:05:52,080 --> 00:05:53,140
getting into investing.
156
00:05:53,140 --> 00:05:56,190
And what was really hot at
that time was cryptocurrency.
157
00:05:56,190 --> 00:05:59,130
Why would you invest in
something because it's hot?
158
00:05:59,130 --> 00:06:02,220
I can get the CEO of Ripple on
the phone with you right now.
159
00:06:02,220 --> 00:06:06,090
And he'll tell you it's
not for young people
160
00:06:06,090 --> 00:06:10,110
to speculate on when they
have $80,000 in debt.
161
00:06:10,110 --> 00:06:12,190
I can completely appreciate
and respect the fact
162
00:06:12,190 --> 00:06:16,070
that a lot of young people
don't know what to expect
163
00:06:16,070 --> 00:06:18,230
or don't like their job.
164
00:06:18,230 --> 00:06:20,220
But you've been out
long enough to now
165
00:06:20,220 --> 00:06:23,020
know what life really
is about and to know
166
00:06:23,020 --> 00:06:24,230
what your responsibilities are.
167
00:06:24,230 --> 00:06:26,090
This is not about
whether or not you
168
00:06:26,090 --> 00:06:27,130
should be a YouTuber or not.
169
00:06:27,130 --> 00:06:29,190
We're not making that judgment.
170
00:06:29,190 --> 00:06:31,200
This is a difficult situation.
171
00:06:31,200 --> 00:06:34,070
The good news is
it can be solved
172
00:06:34,070 --> 00:06:36,020
if you choose to solve it.
173
00:06:36,020 --> 00:06:38,030
Look, you're going to
have some homework.
174
00:06:38,030 --> 00:06:40,090
First up, we're going
to cut back your expenses
175
00:06:40,090 --> 00:06:42,170
and make sure that the money
that you do have coming in
176
00:06:42,170 --> 00:06:44,220
is actually going to
pay down your debt,
177
00:06:44,220 --> 00:06:47,160
because right now you're
not making any payment.
178
00:06:47,160 --> 00:06:50,230
That is going to
be $300 each month
179
00:06:50,230 --> 00:06:54,080
to your student
loans, another $100
180
00:06:54,080 --> 00:06:56,000
to pay off your credit
cards so that you're
181
00:06:56,000 --> 00:06:57,180
not falling further into debt.
182
00:06:57,180 --> 00:07:01,100
So already, we're looking
at $400 each month.
183
00:07:01,100 --> 00:07:03,150
That's one fourth
of your income.
184
00:07:03,150 --> 00:07:06,060
And that doesn't leave
you a lot of wiggle room.
185
00:07:06,060 --> 00:07:07,120
You can't go out.
186
00:07:07,120 --> 00:07:08,210
Can't buy clothes.
187
00:07:08,210 --> 00:07:09,230
Can't go to dinner.
188
00:07:09,230 --> 00:07:12,150
All the things
that you've listed
189
00:07:12,150 --> 00:07:14,040
of where you spend your money.
190
00:07:14,040 --> 00:07:16,210
I mean, that's how dire this is.
191
00:07:16,210 --> 00:07:19,030
ALANA HUNTER: I just feel
kind of overwhelmed, honestly,
192
00:07:19,030 --> 00:07:22,090
because it's just cutting
back on different things
193
00:07:22,090 --> 00:07:25,040
like beauty treatments,
shopping, going out to eat.
194
00:07:25,040 --> 00:07:27,060
It's very, very,
very, hard to hear.
195
00:07:27,060 --> 00:07:29,040
DAN ROSENSWEIG: Have you
thought about something
196
00:07:29,040 --> 00:07:30,210
to supplement your income?
197
00:07:30,210 --> 00:07:32,200
DANETHA DOE: You can
find federal jobs.
198
00:07:32,200 --> 00:07:35,140
You live in LA where
there are opportunities
199
00:07:35,140 --> 00:07:38,000
everywhere every day.
200
00:07:38,000 --> 00:07:39,190
DAN ROSENSWEIG: And then
we're going to sell some
201
00:07:39,190 --> 00:07:40,210
of the assets that you have.
202
00:07:40,210 --> 00:07:42,230
And even if they're worth
less than you paid for them,
203
00:07:42,230 --> 00:07:44,160
that's what we're going to do.
204
00:07:44,160 --> 00:07:48,150
So whatever you get is money
you can use to put yourself
205
00:07:48,150 --> 00:07:52,030
on better financial footing.
206
00:07:52,030 --> 00:07:54,230
So this is my closet.
207
00:07:54,230 --> 00:07:56,000
Wow.
208
00:07:56,000 --> 00:07:58,020
How much did you pay to
assemble all of this?
209
00:07:58,020 --> 00:08:00,050
I would say this
whole closet is
210
00:08:00,050 --> 00:08:02,000
probably worth around 10 grand.
211
00:08:02,000 --> 00:08:02,140
All right.
212
00:08:02,140 --> 00:08:04,100
So we've got $10,000.
213
00:08:04,100 --> 00:08:05,210
When we come back,
you're going to have
214
00:08:05,210 --> 00:08:09,130
prioritized everything of value
that you're willing to sell.
215
00:08:09,130 --> 00:08:11,130
And put it into action.
216
00:08:11,130 --> 00:08:13,170
So today was a tough
day, I get the sense.
217
00:08:13,170 --> 00:08:15,080
Yeah, it is.
218
00:08:15,080 --> 00:08:16,150
DAN ROSENSWEIG: The
good news is if you
219
00:08:16,150 --> 00:08:18,100
follow the plan,
a year from now,
220
00:08:18,100 --> 00:08:19,130
you're going to feel great.
221
00:08:19,130 --> 00:08:23,040
The bad news is today
wasn't the hardest day.
222
00:08:23,040 --> 00:08:24,040
It gets harder from here.
223
00:08:27,160 --> 00:08:31,030
[MUSIC PLAYING]
224
00:08:31,220 --> 00:08:35,150
It's been about two days
since Dan and Danetha came
225
00:08:35,150 --> 00:08:37,040
and talked to me
and gave me advice
226
00:08:37,040 --> 00:08:39,070
on ways I can
start saving money.
227
00:08:39,070 --> 00:08:41,190
You know, I do get paid to
be a cooking livestreamer,
228
00:08:41,190 --> 00:08:43,190
but I spend quite
a lot on groceries.
229
00:08:43,190 --> 00:08:46,100
The first thing
I'm going to do is
230
00:08:46,100 --> 00:08:48,020
I am going to go to
the 99 cent store
231
00:08:48,020 --> 00:08:51,110
to see what I can find
for food and groceries.
232
00:08:51,110 --> 00:08:54,090
So let's see what happens.
233
00:08:54,090 --> 00:08:57,090
This whole bag of
avocados is $1.99.
234
00:08:57,090 --> 00:08:59,020
Can you believe that?
235
00:08:59,020 --> 00:09:01,200
It's crazy.
236
00:09:01,200 --> 00:09:03,180
Onions, $0.99.
237
00:09:03,180 --> 00:09:06,080
So we just got back
from the store.
238
00:09:06,080 --> 00:09:09,150
In total, I spent $16.
239
00:09:09,150 --> 00:09:14,230
And I also got my
Halloween costume for $1.
240
00:09:14,230 --> 00:09:18,130
This was definitely a
bit of an impulse buy.
241
00:09:18,130 --> 00:09:20,090
I've started looking
for freelance work.
242
00:09:20,090 --> 00:09:24,120
So I am going to be
doing a seat-filler job
243
00:09:24,120 --> 00:09:27,110
today for a TV talk show.
244
00:09:27,110 --> 00:09:28,200
And it pays around $50.
245
00:09:28,200 --> 00:09:30,120
So, you know, it's
not that much,
246
00:09:30,120 --> 00:09:31,230
but it's definitely
a little bit.
247
00:09:31,230 --> 00:09:35,070
So enough to cover my phone bill
or some groceries or something.
248
00:09:35,070 --> 00:09:38,060
It is going to be a
closet clear out day.
249
00:09:38,060 --> 00:09:40,010
I'm going to start
looking in my closet,
250
00:09:40,010 --> 00:09:42,150
finding things that I
can sell to make money,
251
00:09:42,150 --> 00:09:45,220
so I can start paying off my
credit cards and student loans.
252
00:09:45,220 --> 00:09:48,190
I'm still going through my
closet, but as you can see,
253
00:09:48,190 --> 00:09:50,220
I've pulled out a good
amount of clothes.
254
00:09:50,220 --> 00:09:53,030
So hopefully I can resell them.
255
00:09:53,030 --> 00:09:54,130
It's definitely been
tough, because I
256
00:09:54,130 --> 00:09:58,160
haven't been able to go out,
spend time with my friends.
257
00:09:58,160 --> 00:10:00,080
Especially a night
like tonight where
258
00:10:00,080 --> 00:10:03,190
all my friends are out together,
and I'm at home doing nothing.
259
00:10:03,190 --> 00:10:06,110
You know, but it sucks, because
all my friends are going
260
00:10:06,110 --> 00:10:07,140
to be having fun without me.
261
00:10:07,140 --> 00:10:09,220
But this is what it takes
to pay off your debt.
262
00:10:14,090 --> 00:10:17,190
[MUSIC PLAYING]
263
00:10:21,050 --> 00:10:23,090
Today I'm going to
be doing a yard sale.
264
00:10:23,090 --> 00:10:24,190
I don't want to let
Dan and Danetha down,
265
00:10:24,190 --> 00:10:27,120
so I'm hoping to sell a
lot of my clothes today.
266
00:10:27,120 --> 00:10:28,110
Hopefully it goes well.
267
00:10:41,010 --> 00:10:41,160
Hi.
268
00:10:41,160 --> 00:10:42,060
ALANA HUNTER: Hi.
269
00:10:42,060 --> 00:10:42,230
How are you?
270
00:10:42,230 --> 00:10:44,020
I'm good.
How are you doing?
271
00:10:44,020 --> 00:10:44,160
I'm good.
272
00:10:47,060 --> 00:10:48,230
Why are you
getting rid of this?
273
00:10:48,230 --> 00:10:49,230
It's so cute.
274
00:10:49,230 --> 00:10:52,200
I know, but I need money.
275
00:10:52,200 --> 00:10:54,050
These are cute too.
276
00:10:54,050 --> 00:10:55,120
Thank you.
277
00:10:55,120 --> 00:10:56,180
Let's see.
278
00:10:56,180 --> 00:10:57,100
Awesome.
279
00:10:57,100 --> 00:10:58,120
So what do you think for--
280
00:10:58,120 --> 00:11:00,000
how much for all this?
281
00:11:00,000 --> 00:11:03,040
I would say $45.
282
00:11:03,040 --> 00:11:05,160
That's a little high
for a garage sale.
283
00:11:05,160 --> 00:11:07,040
What if I put this
green dress back.
284
00:11:07,040 --> 00:11:08,150
I know it's really nice.
285
00:11:08,150 --> 00:11:09,170
How much would that take off?
286
00:11:09,170 --> 00:11:11,120
$35.
287
00:11:11,120 --> 00:11:12,110
All right.
288
00:11:12,110 --> 00:11:13,120
I can do $35.
289
00:11:13,120 --> 00:11:14,030
All right.
290
00:11:14,030 --> 00:11:14,200
Let's do $35.
291
00:11:14,200 --> 00:11:15,100
Great.
292
00:11:15,100 --> 00:11:16,010
Thank you.
293
00:11:16,010 --> 00:11:16,150
Awesome.
294
00:11:16,150 --> 00:11:19,190
You drive a hard bargain,
but there's some great pieces.
295
00:11:19,190 --> 00:11:20,100
Thank you.
296
00:11:20,100 --> 00:11:21,010
Enjoy the clothes.
297
00:11:21,010 --> 00:11:22,000
I will.
298
00:11:22,000 --> 00:11:23,190
Good luck on the rest
of your garage sale.
299
00:11:23,190 --> 00:11:25,150
ALANA HUNTER: I made $35.
300
00:11:25,150 --> 00:11:28,220
Not much, but it's something.
301
00:11:28,220 --> 00:11:32,080
[MUSIC PLAYING]
302
00:11:34,130 --> 00:11:35,120
Alana.
303
00:11:35,120 --> 00:11:36,030
Hi.
304
00:11:36,030 --> 00:11:36,230
Good morning.
305
00:11:36,230 --> 00:11:39,170
Last we spoke, we were
going to try to get some cash
306
00:11:39,170 --> 00:11:41,130
flow in by selling things.
307
00:11:41,130 --> 00:11:43,200
We were going to look at jobs.
308
00:11:43,200 --> 00:11:44,160
How did it go?
309
00:11:44,160 --> 00:11:47,090
So from two freelance
jobs I did, they were just
310
00:11:47,090 --> 00:11:49,120
one-day gigs, I earned $300.
311
00:11:49,120 --> 00:11:50,220
Which is wonderful.
312
00:11:50,220 --> 00:11:52,230
That's $300 you didn't have.
313
00:11:52,230 --> 00:11:55,030
With time that you did have.
314
00:11:55,030 --> 00:11:57,230
Tell me a little bit
about the clothing.
315
00:11:57,230 --> 00:11:59,220
I still have a ton of
clothing I need to get rid of.
316
00:11:59,220 --> 00:12:00,220
How hard did you try?
317
00:12:04,000 --> 00:12:07,100
And how much were we hoping
to get out of that closet?
318
00:12:07,100 --> 00:12:08,100
I don't know.
319
00:12:08,100 --> 00:12:09,230
I'm not sure.
320
00:12:09,230 --> 00:12:12,070
So we need to get more
value out of those clothes.
321
00:12:12,070 --> 00:12:12,210
Yes.
322
00:12:12,210 --> 00:12:15,210
So today, we're going
to take those bags,
323
00:12:15,210 --> 00:12:21,090
we're going to go to stores,
and we're going to sell them.
324
00:12:21,090 --> 00:12:22,000
Hello.
325
00:12:22,000 --> 00:12:23,010
Hello.
326
00:12:23,010 --> 00:12:24,190
How are you?
327
00:12:24,190 --> 00:12:26,210
Hi, baby.
328
00:12:26,210 --> 00:12:27,160
Nice to meet you.
329
00:12:27,160 --> 00:12:28,060
You are?
330
00:12:28,060 --> 00:12:29,000
Alana.
331
00:12:29,000 --> 00:12:29,150
Nice to meet you.
332
00:12:29,150 --> 00:12:30,130
Alana, I'm Elizabeth.
333
00:12:30,130 --> 00:12:31,060
The Paper Bag.
334
00:12:31,060 --> 00:12:33,090
There's a lot of clothes in
here that I really don't need.
335
00:12:33,090 --> 00:12:34,200
So we're hoping you
could help us out.
336
00:12:34,200 --> 00:12:36,140
OK.
337
00:12:36,140 --> 00:12:40,000
That's a nice sweater,
but it's only $20.
338
00:12:40,000 --> 00:12:41,150
Fair market value
on that, you've
339
00:12:41,150 --> 00:12:43,190
got to consider the fact that
it would have gone on sale.
340
00:12:43,190 --> 00:12:44,230
That means it
probably would have
341
00:12:44,230 --> 00:12:47,050
been reduced to as low as $10.
342
00:12:47,050 --> 00:12:50,110
So then fair market
value on a $10 item
343
00:12:50,110 --> 00:12:52,000
is usually about
a third of that.
344
00:12:52,000 --> 00:12:56,070
So the maximum you could
probably charge is $5.
345
00:12:56,070 --> 00:12:58,220
Don't worry about t-shirts,
because t-shirts honestly don't
346
00:12:58,220 --> 00:13:01,160
have any real resale value.
347
00:13:01,160 --> 00:13:04,080
Polyester-- we need to teach
you about better fabrics.
348
00:13:04,080 --> 00:13:05,110
You've got so many pieces.
349
00:13:05,110 --> 00:13:06,230
You're not taking
good care of those.
350
00:13:06,230 --> 00:13:07,200
That's a moth hole.
351
00:13:07,200 --> 00:13:09,050
Yeah.
352
00:13:09,050 --> 00:13:11,100
You already got
schooled on the fact
353
00:13:11,100 --> 00:13:12,170
that the best
you're going to get
354
00:13:12,170 --> 00:13:14,070
is one seventh of the value.
355
00:13:14,070 --> 00:13:16,160
And we don't have very much
leverage in negotiation,
356
00:13:16,160 --> 00:13:18,080
but it doesn't mean
you shouldn't try.
357
00:13:18,080 --> 00:13:21,060
Learning to negotiate is a
critical skill in business
358
00:13:21,060 --> 00:13:23,030
and in life, because
you need to be
359
00:13:23,030 --> 00:13:25,020
able to learn what
it takes to get what
360
00:13:25,020 --> 00:13:26,180
you need to get the job done.
361
00:13:26,180 --> 00:13:27,200
It's about storytelling.
362
00:13:27,200 --> 00:13:29,190
It's about convincing
people to take
363
00:13:29,190 --> 00:13:31,130
an action they wouldn't
otherwise take,
364
00:13:31,130 --> 00:13:33,010
but you need them to make.
365
00:13:33,010 --> 00:13:34,000
OK.
366
00:13:34,000 --> 00:13:37,040
I'm thinking to make an offer
of $300 for all of this.
367
00:13:41,030 --> 00:13:42,190
Well, I appreciate
your offer so much.
368
00:13:42,190 --> 00:13:43,140
Thank you so much.
369
00:13:43,140 --> 00:13:45,150
But I probably would
not want to let
370
00:13:45,150 --> 00:13:47,120
go of these, because
these themselves
371
00:13:47,120 --> 00:13:49,070
should be at least $300.
372
00:13:49,070 --> 00:13:51,100
No, I would never
buy those pieces
373
00:13:51,100 --> 00:13:53,000
for that amount of money.
374
00:13:53,000 --> 00:13:55,190
So if you take those out,
which are the two best
375
00:13:55,190 --> 00:14:00,010
pieces out of all this, then I
might come down to around $200.
376
00:14:00,010 --> 00:14:02,140
She was willing to
give you $300 originally
377
00:14:02,140 --> 00:14:05,110
for the pile with
the good items in it.
378
00:14:05,110 --> 00:14:07,080
We either sell it, we
go home, and we have
379
00:14:07,080 --> 00:14:09,020
to go sell it some other way.
380
00:14:09,020 --> 00:14:11,060
What do you want to do?
381
00:14:11,060 --> 00:14:14,230
So I think the lowest
I could go on this stuff
382
00:14:14,230 --> 00:14:16,220
will probably be $275.
383
00:14:16,220 --> 00:14:17,210
OK.
384
00:14:20,180 --> 00:14:23,170
OK, so $275 is where we're at.
385
00:14:23,170 --> 00:14:25,160
So sure.
386
00:14:25,160 --> 00:14:26,210
Thank you very much.
387
00:14:26,210 --> 00:14:27,120
You're welcome.
388
00:14:27,120 --> 00:14:28,060
Thank you.
389
00:14:28,060 --> 00:14:29,070
All right.
390
00:14:29,070 --> 00:14:30,190
ALANA HUNTER: In the
process of negotiating,
391
00:14:30,190 --> 00:14:35,130
I definitely learned I am pretty
good at standing my ground.
392
00:14:35,130 --> 00:14:36,200
So I'm going to go
off and try to sell
393
00:14:36,200 --> 00:14:38,100
those two items on my own.
394
00:14:38,100 --> 00:14:40,100
I think I can get
way more for it.
395
00:14:40,100 --> 00:14:42,070
You made really
good progress today.
396
00:14:42,070 --> 00:14:45,030
The lesson is you can
stand your ground.
397
00:14:45,030 --> 00:14:46,230
The lesson is you can negotiate.
398
00:14:46,230 --> 00:14:48,050
So you should be
proud of yourself.
399
00:14:48,050 --> 00:14:50,020
Do you feel good about
what we've done so far?
400
00:14:50,020 --> 00:14:50,160
I do.
401
00:14:50,160 --> 00:14:51,070
All right.
402
00:14:51,070 --> 00:14:52,080
So we've got more work to do.
403
00:14:52,080 --> 00:14:52,230
We're not done.
404
00:14:52,230 --> 00:14:54,060
We're just getting started.
405
00:14:54,060 --> 00:14:55,060
ALANA HUNTER: Yeah, I know.
406
00:14:55,060 --> 00:14:56,030
DAN ROSENSWEIG: All right.
407
00:14:59,140 --> 00:15:04,030
Credit cards are a very
expensive type of loan.
408
00:15:04,030 --> 00:15:05,160
This is not your money.
409
00:15:05,160 --> 00:15:07,120
You know, your credit
limit may be high,
410
00:15:07,120 --> 00:15:09,230
but it's not anything to
do with your net worth.
411
00:15:09,230 --> 00:15:13,050
In fact, it's just an
expensive piece of debt.
412
00:15:13,050 --> 00:15:15,080
Every time you swipe
to buy that pizza,
413
00:15:15,080 --> 00:15:17,190
those pair of shoes,
those necklaces,
414
00:15:17,190 --> 00:15:19,150
it's basically a loan.
415
00:15:19,150 --> 00:15:21,220
That $10 pizza can
quickly escalate
416
00:15:21,220 --> 00:15:27,130
with late fees and high interest
to turning into a $90 dollar.
417
00:15:27,130 --> 00:15:30,220
[MUSIC PLAYING]
418
00:15:30,220 --> 00:15:32,220
I've definitely been
working on trying to be
419
00:15:32,220 --> 00:15:34,140
more financially responsible.
420
00:15:34,140 --> 00:15:37,190
And that's allowed me to focus
more on my YouTube channel.
421
00:15:37,190 --> 00:15:40,130
And there's definitely ways
that I think I could improve it.
422
00:15:40,130 --> 00:15:42,160
So Dan set me up
with Amy to meet
423
00:15:42,160 --> 00:15:44,110
up today and talk
about Adobe, so I'm
424
00:15:44,110 --> 00:15:45,160
really excited about that.
425
00:15:45,160 --> 00:15:47,140
So maybe we could take a
look at some of your content.
426
00:15:47,140 --> 00:15:48,050
Yeah.
427
00:15:48,050 --> 00:15:49,040
I'm Amy Goldstein.
428
00:15:49,040 --> 00:15:50,040
I work for Adobe.
429
00:15:50,040 --> 00:15:52,210
I do social media strategy
for Creative Cloud.
430
00:15:52,210 --> 00:15:55,040
I work really closely with
our creative communities
431
00:15:55,040 --> 00:15:56,180
and with online creators.
432
00:15:56,180 --> 00:16:00,020
I'm here today to talk to
Alana on how to build her brand
433
00:16:00,020 --> 00:16:02,020
on social media and
also how she can
434
00:16:02,020 --> 00:16:04,210
partner with brands as a
potential source of income.
435
00:16:04,210 --> 00:16:07,090
ALANA HUNTER: So here is the
last video I just uploaded.
436
00:16:07,090 --> 00:16:08,060
Very cool.
437
00:16:08,060 --> 00:16:09,020
And then I have--
438
00:16:09,020 --> 00:16:10,210
we did, like, sampler
of new products.
439
00:16:10,210 --> 00:16:11,210
Everything food related.
440
00:16:11,210 --> 00:16:13,130
It's great that you're
having that focus.
441
00:16:13,130 --> 00:16:14,170
Let's talk more
about what you can
442
00:16:14,170 --> 00:16:16,020
do to differentiate
yourself from all
443
00:16:16,020 --> 00:16:18,000
the other cooking shows
that are out there.
444
00:16:18,000 --> 00:16:21,040
I'd love to see you have, like,
a motion graphics package.
445
00:16:21,040 --> 00:16:25,060
So seeing a really consistent
opening title and outro.
446
00:16:25,060 --> 00:16:27,170
Or graphics asking
people to subscribe
447
00:16:27,170 --> 00:16:29,110
or to follow you on social.
448
00:16:29,110 --> 00:16:31,040
All those types of
things give your content
449
00:16:31,040 --> 00:16:33,200
a really professional and
polished look and feel.
450
00:16:33,200 --> 00:16:36,150
Adobe Premiere Rush is an
all-in-one video editing tool
451
00:16:36,150 --> 00:16:39,200
that we have built that
is for online creators.
452
00:16:39,200 --> 00:16:43,000
And we make it really easy to
do things like motion graphics,
453
00:16:43,000 --> 00:16:44,210
because we've got
built-in templates.
454
00:16:44,210 --> 00:16:46,180
And you can create them,
and save them, and apply
455
00:16:46,180 --> 00:16:47,210
them to all of your videos.
456
00:16:47,210 --> 00:16:49,100
Yeah, that's super
useful, honestly,
457
00:16:49,100 --> 00:16:50,220
that it formats it for you.
458
00:16:50,220 --> 00:16:52,190
My conversation with
Amy went really well.
459
00:16:52,190 --> 00:16:54,210
She showed me several
different tools
460
00:16:54,210 --> 00:16:57,060
that Adobe provides that
I didn't really even know
461
00:16:57,060 --> 00:16:57,200
existed.
462
00:16:57,200 --> 00:16:59,200
And I think this will
make it so much better.
463
00:16:59,200 --> 00:17:02,070
And to really encourage you
to continue to follow your dream
464
00:17:02,070 --> 00:17:04,000
of being a YouTube
creator, we would
465
00:17:04,000 --> 00:17:05,170
love to offer you a
one-year subscription
466
00:17:05,170 --> 00:17:07,020
to Adobe Creative Cloud.
467
00:17:07,020 --> 00:17:07,190
Oh, my gosh.
468
00:17:07,190 --> 00:17:08,170
That's so awesome.
469
00:17:08,170 --> 00:17:09,120
Thank you.
470
00:17:09,120 --> 00:17:10,080
It's our pleasure.
471
00:17:10,080 --> 00:17:12,120
I mean, we can tell that you're
really committed to pursuing
472
00:17:12,120 --> 00:17:13,030
this career.
473
00:17:13,030 --> 00:17:15,050
And we really want to
see you grow and continue
474
00:17:15,050 --> 00:17:16,020
to follow this path.
475
00:17:16,020 --> 00:17:17,050
That would be awesome.
476
00:17:17,050 --> 00:17:18,140
That would help me so much.
477
00:17:18,140 --> 00:17:19,220
Hopefully in the
future, my content
478
00:17:19,220 --> 00:17:21,210
will be even bigger,
and better, and really
479
00:17:21,210 --> 00:17:22,200
professional, and polished.
480
00:17:22,200 --> 00:17:24,220
And I'm really excited
to try out these tools.
481
00:17:24,220 --> 00:17:26,030
It was really
great meeting you.
482
00:17:26,030 --> 00:17:27,010
It was nice meeting you.
483
00:17:27,010 --> 00:17:28,120
Thank you for everything.
484
00:17:28,120 --> 00:17:31,220
[MUSIC PLAYING]
485
00:17:33,090 --> 00:17:34,230
ALANA HUNTER: So
over the last month,
486
00:17:34,230 --> 00:17:36,160
I've been making
a lot of progress.
487
00:17:36,160 --> 00:17:38,120
I've continued to
do freelance jobs,
488
00:17:38,120 --> 00:17:41,140
and that's definitely
boosted my monthly income.
489
00:17:41,140 --> 00:17:43,230
I've also been able to
sell more of my clothing
490
00:17:43,230 --> 00:17:45,060
since seeing Dan.
491
00:17:45,060 --> 00:17:47,150
And I think I've cleared
out about half of my closet.
492
00:17:47,150 --> 00:17:49,100
So today, I'll be
doing a room tour.
493
00:17:49,100 --> 00:17:51,130
I'm so excited to
show you guys around.
494
00:17:51,130 --> 00:17:53,110
The best part of
this entire situation
495
00:17:53,110 --> 00:17:55,040
is I'm putting
way more attention
496
00:17:55,040 --> 00:17:58,040
into my work and my
passion for livestreaming
497
00:17:58,040 --> 00:17:59,060
and YouTube posting.
498
00:17:59,060 --> 00:18:01,150
And I really think this
can turn into a sustainable
499
00:18:01,150 --> 00:18:02,160
and lucrative business.
500
00:18:02,160 --> 00:18:03,110
Hey, guys.
501
00:18:03,110 --> 00:18:05,120
I've been making a lot
of new videos every day
502
00:18:05,120 --> 00:18:06,180
and building up my fan base.
503
00:18:06,180 --> 00:18:08,120
I've gotten a few sponsors.
504
00:18:08,120 --> 00:18:10,060
Definitely grown my following.
505
00:18:10,060 --> 00:18:13,050
And I've even been sharing a
lot of what I learned from Dan
506
00:18:13,050 --> 00:18:14,180
and Danetha with my fans.
507
00:18:14,180 --> 00:18:16,130
The first thing that
I want to talk about
508
00:18:16,130 --> 00:18:21,020
is how to save money when it
comes to fashion and shopping
509
00:18:21,020 --> 00:18:21,220
for clothing.
510
00:18:21,220 --> 00:18:23,120
If you see something in
a store and you like it,
511
00:18:23,120 --> 00:18:26,120
pick it up, look at it,
and then put it back down.
512
00:18:26,120 --> 00:18:28,130
And think about it for a
week before you buy it.
513
00:18:28,130 --> 00:18:30,210
Because you don't want to buy it
just because you have that urge
514
00:18:30,210 --> 00:18:31,220
and impulse to buy it.
515
00:18:31,220 --> 00:18:33,210
Like, you really want
to process it and figure
516
00:18:33,210 --> 00:18:35,040
out if you really need it.
517
00:18:35,040 --> 00:18:36,120
Thank you, guys, so
much for watching.
518
00:18:36,120 --> 00:18:37,200
And I'll see you guys next time.
519
00:18:37,200 --> 00:18:39,170
Bye.
520
00:18:39,170 --> 00:18:43,050
[MUSIC PLAYING]
521
00:18:43,050 --> 00:18:46,030
So last time we chatted,
we talked about cutting
522
00:18:46,030 --> 00:18:47,230
back on grocery spending.
523
00:18:47,230 --> 00:18:48,140
How's that going?
524
00:18:48,140 --> 00:18:51,160
I've, like, drastically
reduced how much I've
525
00:18:51,160 --> 00:18:53,090
been spending on groceries,
because I started
526
00:18:53,090 --> 00:18:54,220
shopping at the discount store.
527
00:18:54,220 --> 00:18:55,150
Oh, great.
528
00:18:55,150 --> 00:18:58,160
So I wanted to check in with
Alana today, see how she's
529
00:18:58,160 --> 00:19:00,180
doing, and give her
some additional tips
530
00:19:00,180 --> 00:19:03,230
on how she can better manage
her finances in the future.
531
00:19:03,230 --> 00:19:07,020
So one of the things that you
can start looking into as well
532
00:19:07,020 --> 00:19:09,000
is Acorns Visa Debit Card.
533
00:19:09,000 --> 00:19:12,030
It's the only card
that you can use
534
00:19:12,030 --> 00:19:15,180
while shopping that actually
saves and invests for you.
535
00:19:15,180 --> 00:19:16,210
Oh, cool.
536
00:19:16,210 --> 00:19:19,060
So every time you
spend money, Acorns
537
00:19:19,060 --> 00:19:20,200
rounds it up to
the nearest dollar
538
00:19:20,200 --> 00:19:23,100
and invests your spare
change on your behalf.
539
00:19:23,100 --> 00:19:24,010
Oh my god.
540
00:19:24,010 --> 00:19:24,150
That's amazing.
541
00:19:24,150 --> 00:19:28,100
As a recovering shopaholic,
we don't want to use the card
542
00:19:28,100 --> 00:19:30,150
to buy more clothes,
but we want to use
543
00:19:30,150 --> 00:19:32,140
it at the grocery
store and other places
544
00:19:32,140 --> 00:19:34,150
that are necessities.
545
00:19:34,150 --> 00:19:35,140
Definitely.
546
00:19:35,140 --> 00:19:38,150
It's always a good idea
to invest in your future
547
00:19:38,150 --> 00:19:42,020
and Acorns Spend allows you
to do that automatically.
548
00:19:42,020 --> 00:19:43,140
Set it and forget it.
549
00:19:43,140 --> 00:19:44,100
This is great.
550
00:19:44,100 --> 00:19:46,000
Thank you.
551
00:19:46,000 --> 00:19:48,200
[MUSIC PLAYING]
552
00:19:48,200 --> 00:19:49,190
Hi, Alana.
553
00:19:49,190 --> 00:19:50,180
Hi.
How are you guys?
554
00:19:50,180 --> 00:19:51,110
So good to see you.
555
00:19:51,110 --> 00:19:52,010
Good.
556
00:19:52,010 --> 00:19:53,020
Good to see you too.
557
00:19:53,020 --> 00:19:53,170
How are you?
558
00:19:53,170 --> 00:19:55,000
I'm good.
559
00:19:55,000 --> 00:19:56,000
I'm really good.
560
00:19:56,000 --> 00:19:56,230
Awesome.
561
00:19:56,230 --> 00:19:59,040
DAN ROSENSWEIG: It's been
a while since we started.
562
00:19:59,040 --> 00:20:00,160
And hopefully, you've
learned some things
563
00:20:00,160 --> 00:20:02,020
and learned some
things about yourself.
564
00:20:02,020 --> 00:20:03,210
And we're going to
catch up and see just
565
00:20:03,210 --> 00:20:04,210
how much progress you've made.
566
00:20:04,210 --> 00:20:08,190
So let's start off with you
cutting back on your expenses.
567
00:20:08,190 --> 00:20:10,020
Were you able to do that?
568
00:20:10,020 --> 00:20:13,200
Yeah, I reduced my
spending by around $450.
569
00:20:13,200 --> 00:20:15,060
OK, so very good.
570
00:20:15,060 --> 00:20:16,000
Congratulations.
571
00:20:16,000 --> 00:20:16,220
Thank you.
572
00:20:16,220 --> 00:20:17,210
How'd that feel?
573
00:20:17,210 --> 00:20:18,130
Feels good.
574
00:20:18,130 --> 00:20:20,060
Feels really good, yeah.
575
00:20:20,060 --> 00:20:21,220
The next thing
we had you look at
576
00:20:21,220 --> 00:20:24,220
was ways to increase
your income.
577
00:20:24,220 --> 00:20:26,130
How is that going for you?
578
00:20:26,130 --> 00:20:28,150
So since I met
you guys, I've been
579
00:20:28,150 --> 00:20:30,220
doing a lot of freelance
work in addition
580
00:20:30,220 --> 00:20:31,220
to my livestreaming job.
581
00:20:31,220 --> 00:20:32,190
DAN ROSENSWEIG: Wonderful.
582
00:20:32,190 --> 00:20:35,130
And I brought in $1,200
in additional income.
583
00:20:35,130 --> 00:20:36,050
That's incredible.
584
00:20:36,050 --> 00:20:37,130
In addition to the $1,600?
585
00:20:37,130 --> 00:20:38,080
Yeah.
586
00:20:38,080 --> 00:20:39,020
Fantastic.
587
00:20:39,020 --> 00:20:41,040
So $2,800.
588
00:20:41,040 --> 00:20:42,200
The changes Alana
made have brought
589
00:20:42,200 --> 00:20:47,140
her expenses down to $1,850
per month and her income
590
00:20:47,140 --> 00:20:49,150
up to $2,800.
591
00:20:49,150 --> 00:20:53,110
If she keeps up this lifestyle,
she'll be able to pay off $950
592
00:20:53,110 --> 00:20:55,090
worth of debt every month.
593
00:20:55,090 --> 00:20:57,000
ALANA HUNTER: I had a
lot of fun, actually.
594
00:20:57,000 --> 00:20:58,100
I found some really cool jobs.
595
00:20:58,100 --> 00:20:59,000
Good for you.
596
00:20:59,000 --> 00:21:01,020
And in addition to the
clothes I sold with you,
597
00:21:01,020 --> 00:21:04,230
I made around $450.
598
00:21:04,230 --> 00:21:06,020
Incredible.
599
00:21:06,020 --> 00:21:10,040
All told, you probably made
$800 of just selling clothes.
600
00:21:10,040 --> 00:21:12,100
And what did you
do with that cash?
601
00:21:12,100 --> 00:21:15,200
So I prioritized using it
to pay off my credit cards,
602
00:21:15,200 --> 00:21:18,070
because they had the
highest percentage rate.
603
00:21:18,070 --> 00:21:19,200
So that's what I
used it towards.
604
00:21:19,200 --> 00:21:21,040
Fantastic.
605
00:21:21,040 --> 00:21:23,170
The old Alana might
not have done that.
606
00:21:23,170 --> 00:21:26,110
As of now, my credit
card debt is paid off.
607
00:21:26,110 --> 00:21:27,180
So I'm really happy about that.
608
00:21:27,180 --> 00:21:29,110
That's one less thing
to stress about.
609
00:21:29,110 --> 00:21:30,180
DAN ROSENSWEIG: It
took a month for you
610
00:21:30,180 --> 00:21:32,110
to learn you can do better.
611
00:21:32,110 --> 00:21:34,150
And you've done
extraordinarily well.
612
00:21:34,150 --> 00:21:35,230
So how do you feel?
613
00:21:35,230 --> 00:21:36,230
I feel good.
614
00:21:36,230 --> 00:21:39,010
The next thing I'm going to do
is go on a shopping spree-- no,
615
00:21:39,010 --> 00:21:41,160
I'm kidding.
616
00:21:41,160 --> 00:21:44,030
I want to give Dan and
Danetha a big thanks
617
00:21:44,030 --> 00:21:48,020
for giving me so much advice on
being financially independent.
618
00:21:48,020 --> 00:21:50,140
I have learned so much
from them from budgeting,
619
00:21:50,140 --> 00:21:52,210
to saving money, to paying
off my student loans.
620
00:21:52,210 --> 00:21:55,220
There's so many wonderful
things that they taught me.
621
00:21:55,220 --> 00:21:58,040
And I feel so much more
money-conscious now.
622
00:22:07,140 --> 00:22:11,060
To find out where Alana is
on her journey and to get some
623
00:22:11,060 --> 00:22:14,000
information around how
to manage your spending
624
00:22:14,000 --> 00:22:18,010
and student loan debt,
visit goingfrombroke.info.
625
00:22:18,010 --> 00:22:21,090
[MUSIC PLAYING]
626
00:22:21,140 --> 00:22:25,690
Repair and Synchronization by
Easy Subtitles Synchronizer 1.0.0.0
45894
Can't find what you're looking for?
Get subtitles in any language from opensubtitles.com, and translate them here.