0:00 yeah because you gotta talk to three Filipinos two Indians and then you get to someone and one of their names is yeah like sir I understand your frustration [Music] did you guys do anything for your five-year wedding anniversary nope our five-year wedding anniversary we don't really celebrate our wedding anniversary yeah we do we like hold hands and look into each other's eyes that sounds real oh you guys do tantric what yeah we do do you have a ceremony do we Bart do we have a ceremony no we just exchange we exchanged a few sentences do you guys like ████ all the way into the night no not at all well then I guess you guys don't have a ceremony no but we exchange we exchange romantic sentences
0:50 give me give me the last one you told me but it's like I'm still down I'm still down I'm down if you're down I'm very happy to live this life with you and you make my life better than it has ever been but look at her eyes okay yeah he was looking away though I feel like I'm in the way I was trying to remember what's one of your romantic sentences I remember what I said shut the ████ up give me a kiss oh yeah it was going like this way and then like this the perfect alley-oop for the dunk I bet Geo has to be like take those pants off Big Boy she'll say that to you why are you gonna back up into the corner because I just are usually off she tells me to take my shirt off yeah because the pants are already off because Bart walked out in the house with his dick dangling out where you could see just the ████ coming out of the T-shirt like this what
1:43 well the AC vents are from the top so he gets a little bit cold see but my legs are hot yeah so this story is about a California couple that had their five year wedding anniversary and they decided to take a vacation to Guatemala oh wow it's very beautiful yeah you like that yeah that's more your type of thing huh going to ████ weird places no it's not my thing didn't you El Salvador yeah just because it's like my wife's family is from there oh so it wasn't because you appreciate the culture or anything like you hated it what are they known for pupusas yeah okay just poo poo what are they known for here so uh they took an Uber while they were in Guatemala right the Uber was supposed to cost 55 dollars I mean it tells you doesn't it yeah yeah
2:33 already a detective so seriously yeah yeah dude I don't trust any of the ████ that comes out of your mouth how much how much do you think they got charged uh 55 you're saying where Guatemala uh it's supposed to be 55 USD through the app or through the verbal through the app else 2500 nope five bucks five thousand five million almost lower than that forty thousand thirty thousand dollars what so at the end of the trip they're like this can't be yeah so they finished the Uber ride he looks at his he he looks at his uh balance because he's trying to buy something and his s███'s getting denied for insufficient funds it wiped out their joint account it took thirty
3:25 thousand and held it and then he contacted Uber and Uber was blaming the bank what and then he called the bank and of course back and forth yeah the racket ping pong you've been that person before yeah it had their debit connected to their Uber account I guess yes imagine being overseas though and then your funds getting Frozen that's scary you can't even buy a plane ticket oh like what the ████ that's exactly what was happening they were unable to buy anything and they couldn't resolve this issue because both sides were blaming each other they didn't get the money unfrozen for four days don't you have like more than one credit card though if that was like their debit and they actually lost your money and there's still like a line of credit they're like none of us wish like yeah yeah Anthony you piece of ████ poor people have credit cards that's how they stay poor but they're all maxed out dude
4:15 are they gonna make fun of poor people they have 200 left just because you're rich don't look down on us but ████ Anthony keeps ████ making fun of poor people in a bad decision I can't believe you not everyone has overseas yulin accounts you were acting like this before you went to China what changed man Nick back me up you know what no I can't right we're over we're fine it's me dude you guys are like celebrating your anniversary right now we're tired of it that's how they bond is they just try to dunk on Anthony and try to get Anthony on something it's been easy to get real rich with the 40 pay cut but this is this is a good start this is a good start let's let's talk about ways that they could have avoided this you're saying just have multiple cards I'm just assuming that even if you won it's dumb to put your debit card connected wow you don't stop I do think that's dumb that is dumb though that's so mean
5:05 credit card okay this guy's pretty good bad even even if you go to the local gas station you know these are debit that you can get uh tell my mom that ████ okay what if they're like my mom wanted to talk to your mom yeah I just think that's smarter you should use credits there's more protections that are put in place for consumers that's why you have credit is it better to use credit cards speaking as somebody that's worked in a bank 100 man because it's it's you should tell your mom no I do no no she's hooked up but she's hooked up it's crazy how many people don't have that knowledge though there's a lot of people that don't understand I don't know about now but at least when I was working at the bank uh a lot of people didn't understand the concept of how credit cards work I'm like what the ████ well a lot of people don't want the feeling of debt either just out of safety though when a credit
5:56 card you get identity theft or whatever it's not your money that's being taken away yet and you can deal with the you know whatever it up to a certain amount too for your credit so it's like you're way more protected as a consumer but when it's your debit they just take the money out of your account and you ████ are gonna be like oh my God I can't pay my bill don't people use ████ Saran Wrap and ████ excuse me okay like so with their the so you have you don't use your debit card right because it's direct access to the ████ rest of bag of chips yeah when you eat chips you don't get the whole bag just dump it all out and eat three of them up I put the rest of it back in you siphon it out right so that's what the like why would you want why would you use the theme that has direct access to your life savings use a
6:46 credit card because then that's like dumping it out and then Saran wrapping the rest of it huh I don't know if that's a great one but I'm who eats like that you eat like that yeah tell them dude I open the bag and I go directly see that's what normal people tell me do that with your money I just think the concept of Devon credit if you're gonna use a bag of chips it's like a direct ice to your bag of chips but if you use credit it's almost like there's somebody else brought a bag of chips of the same flavor you get to eat that and then when you know that you just replace it see that's even smarter well you just got a direct compliment yeah that's even smarter yeah that's a great analysis the point is relish the moment I know I know thank you it's not gonna last long please clip that [Laughter] when I was like 18 or 19 like I was like no ████ ████ why would I use my debit card directly if it has direct you also
7:37 didn't have money either I know but I don't want no one stealing my 32 dollars sure that's precious yeah true is Frito-Lay fun over steal your ████ card information now from ATMs to like all that yeah how much is dangerous have all of you guys had overdrafted accounts oh yeah but really absolutely you never did no I have always had money but we were doing okay he's gonna overdrafted crypto accounts first first year or two of JK uh we're working out of the the house the front house it was probably overdraft every other week oh ████ every
8:27 other week it would be like and we started being able to time it we're like okay if you over if it's overdraft now we that means we can still get a Costco pizza and pump gas before they block it but then that's perfect because then AdSense will come so it's like oh my God it was like always negative back to zero negative back to zero 35 charge every time yeah worth it and then if you do overdraft protection where you can't use your card because you don't want to get overdrafted you just get denied at the ████ Pride those now I don't think I ever know what that feels like what a baller he just explained that you guys went through that together no read it oh you got it it well and then other and then the second thing once you get over the idea of debt or the fear of debt with a credit card because you're paying it every month you're paying a balance Number One You're Building credit number two you're getting Reward Points because you're spending that money anyway if you're using your debit card you don't earn reward points on it you're just
9:17 spending straight your account what about someone who's like well I'm afraid of the interest rate that's why you pay off your balance every month but what if they don't want to pay off their balance then have fun baby drinks on you get that 400 FICO score base is there any type of counter argument to this because it sounds like it is pretty common sense to yeah in the US too we have such good deals on credit card and what I mean right yeah cash back and like points like a lot of other countries don't do this because I think people just know that like so many people are more undisciplined than disciplined yeah so like that's the only counter if you don't have the discipline but if you know how to use it yeah like every year there's a card that's zero
10:07 percent APR and that you can transfer your debt from this one to that one you can keep rolling it over the interest rate doesn't kick in until a year and a half so if you just have a little bit of knowledge and a little bit of impulse control you can have a lot of protection around your finance and also what happens is um when you're if you don't give your credit cards a heads up that you're going to be spending outside of the country yeah if they're super sensitive with stuff like that then they will just block it at the first transaction yeah so it could have happened where like they swipe it for a Friday but then the offices are closed Saturday Sunday and then Monday rolls around I mean there's but nine out of ten times they'll send you a text right away yeah a text or an email why are you always trying to piss on My Parade I just learned this the hard way they must have a lot of cash because that means they just have 30 Grand in their
10:57 account oh it's in their joint account yeah and it's and it's like wiped wouldn't that bank actually like alert you of Fraud and overdraft fees and all that stuff too if that's supposed to get a 30 000 charge on yeah it says that that's kind of the amount that they had oh so they took like 30 000 and 20 22 cents or some ████ to the point where they thought like somebody had like hacked and cleaned them out or something because it was so exact but let's say that you work at the bank and this happens to someone that's a party back they called you and they were like 30 000 of you ████ serious what's your like response how do you like deal with that uh that they think I like I I'm I have the authority to do something about it yeah they're saying it because it's a bank error and they're like you don't go too bad so sad like help me that's a good one uh I would help I'd be like
11:47 well first I have to see who took the Monday who authorized the transaction and uh logically it makes sense that Uber allowed that transaction to go through so the numbers like no it was you guys no I would talk I would probably spend my time talking to Uber and being like okay how the ████ do we sort the ████ out yeah going back and forth with them and this type of thing could take four days like for sure because now they have to look at transactions they have to like these bigger companies there's just so many Hoops that you have to jump through like there's this department for this thing and this department doesn't communicate with that department so like instead of them talking directly now you have to like be the middleman between the two like it's so convoluted and like she said if it's ████ Friday 4 55 p.m Eastern Standard Time you know what I mean like you're right yeah because you got to talk to three Filipinos two Indians and then you get to someone and one of their names is Francine
12:38 Francine dude yeah like sir I understand your frustration uh especially we are doing everything we can to solve your situation and then it's really bad and then and then if you're you have The Misfortune of speaking to someone that doesn't operate with common sense like I've learned now because which is 80 of the time yeah I've had to talk to so many customers service people that I've learned that if that person can't understand what I'm saying within the first 10 seconds I'm like okay I hang up you meet I don't even try to just hang up and I try again it's kind of like a lottery here like a roulette huh I was at a bank uh two weeks ago or three weeks ago and then I was like I was handling some like finish up some stuff from my dad and I was like oh okay can we move this money here and I'm also I'd like to close his account and then he's just like oh why I was like because I said he's dead I'm like he's not going to be using this account and she's like
13:28 are you sure oh my Lord are you listening to the words I'm saying ████ I'm like he's dead he's not gonna be like oh I need to ████ put my Netflix on this car yeah did you spell it out for her yeah I was like man you guys are crazy did you act it out yeah no did you go yeah if you acted it out I think she would like okay she's like I feel like there's on such autopilot that they don't ████ think yeah I'm like he's not no one's gonna be using this account by the name of Paul call center people like that's not American they got really good like from five years ago because before they would just read the paragraphs that they were given and you know those call center folks they do more than one business oh so that's why they're like yeah they might be doing Verizon Chase all of them at once because then when
14:20 they get a line from Chase yeah they're like reading a ████ script and then they're going like oh I understand your frustration sir thank you very much for your patience and it's like dude you don't have to say 30 seconds worth of ████ to answer one thing I hate when I do that it bums me out but I guess they have to Charter Communications has never upgraded their staff though I'm telling you right now ATT Spectrum two Spectrum can eat a whole bag of dicks dude [Music] foreign
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