I call bullcrap! You wish that half these places would answer the phone even half that fast! Great video though, and very accurate on what it's like when you have to do this stuff for the first time on your own.
@@invarian_off reminds me of a joke a comedian I can’t recall the name of made once- he was like “why are there no documentaries about normal people? Every documentary is about a freak on the search for the perfect piece of sushi or something. There should be a documentary that is just about some guy and the big arc is that at the beginning of the film he thinks he might have cancer and it turns out he doesn’t. And that’s the movie” lol I wish I could remember who’s bit that is
Yes. Not very accurate. This would never happen. Your parents automatically tell you which insurance to get. You have no say in the matter All in all, a hilarious skit
@@davidwuhrer6704 It's a pretty unfair test... usually when I take an exam the front page is covered with all the instructions I need. And usually the exam comes after a course teaching me everything I need to know.
3:29 Ah yes, you can actually throw one pack of gum at 50% power for each coupon he was trying to use, plus one more because he was trying to pay by check, which means 9 in total. And if you limit yourself to 25% power then you're also allowed to pour a can of soda over his head.
And if he is using eight coupons can I use a specially designed crossbow to fire a pack of gum at the equivalent of 400% of the power of my hand held throw?
@@woerkntwerk5245 Yes, but only if up to half of the pack of gum is fired at a time to ensure that one pack of crossbow gum does not exceed the damage of eight packs of hand gum.
@@hamingnu6610 Probably if you have a social security number or whatever the US use. The CRA in Canada definitely knows since everyone looool, no hiding.
@@__Hmmmmmmmm__ did you know our SSN wasn't supposed to be used to I.D. ourselves in the U.S? The reason why it is used as it is is because we keep putting lazy people in charge
So basically if I open a one stop solution for all the problems Zack listed in this video, I am so goddamn sure a lot of people will pay me just to make this seamless and just 1 payment to manage all of it.
I believe that in terms of cost it will be very expensive for your clients and you'll go bankrupt fairly early into that business. The problem is that you'll have to make either the general or most constly plans for all your clients of you'll have psycho analyze each client in order to hopefully make the best decisions in their stead. It's a very complex style of business. You'll have to be an absolute expert and limit the options available significantly to be able to have enough clients and be able to manage it it terms of time. Good luck making tons of money for bs that isn't always even necessary. And btw, if you or anyone are interested in part of how these problems became what they are, I recommend reading The Paradox of Choice. It's pretty fascinating and will make you and your future business hopefully more customer friendly by limiting options and make your choices in life far easier to make if there is an overwhelming amount of options to choose from.
That stuff about insurance claims is sooo true. Like, if a wild moose runs through your living room window and bleeds to death on your carpet while kicking your sofa and table to shreds, it's not covered. Why you may ask? It's caused by a wild animal. If was your drunken neighbors, it would have been fine, but wild animals? Nope.
@@amirhosseinmaghsoodi388 I believe the first insurance was to cover fires a curtain city in England. It's been a long time since I heard the story but basically some guy realized that if he charged everyone he could pay for the houses when a single section of the city burns down. Turns out fire and other human caused issues are pretty consistent when your averaging it over a large area (because humans behave very predicable when in large datasets). Natural disasters on the other hand hit the entire area sporadically causing larger payouts in ways you can't plan for financially.
@@amirhosseinmaghsoodi388 Yup, basically natural disasters are a whole separate category because the insurance company would get overdrawn with claims and just go bankrupt instead of actually covering the things they're supposed to cover. Insured assets are bundled as a whole, but not individually, so the company would go bankrupt, someone else buys up the accounts for pennies, does a bit of claims adjustment, pays out some of the claims and denies the others. And everyone gets screwed, no one is happy, and its business as usual.
@@commentbot9510I'm about to turn 28, and I still can't do any of this without help from professionals, and even then it takes me two weeks and I cry a lot.
You forgot the part where they don't pay you a living wage and apartments want you to work two full time jobs to even be considered because you have to make "two and a half times rent monthly" which usually means $2500+ if you wanna live alone in a apartment that costs roughly $1,100 a month for a 1 bed 1 bath, depends on the housing market in your area but it can get even more ridiculous than $2,500 a month
@@thesong7877 I'm sorry did you mean to put 40 or did you mean 4? because who the fuck rents an apartment and also makes $44,000/ month or more? I mean 4 is insane too.
I’m pretty sure that 2500$ isn’t hard to come by in the states since pretty much everyone I know there makes significantly more what do you mean living wage for
The insurance doing everything they can to get out isn't even close to reality, it's much much worse than that. I remember my dad tries to make a claim because his water pump died the day after Christmas. Obviously we didn't have water, Progressive told him they'll file a claim but it won't be looked at for around 2 weeks "because it's not an emergency" That and he called to see when his rate was going down because after 10 years and no claims he got "well how much lower do you want it" like my dad's an asshole for trying to get a better rate.
Despite some of the questionable things that some of those businesses wanted, the most unrealistic part of the video is that he didn't have to go on hold for 30+ minutes just to get to the person lol
I'm sick of infomercials. It's not cute, quirky or amusing. If they don't make enough money with these videos then maybe they all need to go get real jobs.
Is there anyone who thinks that there should be a class in school where they teach you how to do stuff like in the video cause I’m like almost a year into college and I have no idea how to do adult stuff other then applying for fast food jobs, and filling out income taxes.
It sure would be hella handy to know all this stuff, but I also sure know that most kids, including myself, would likely not have cared for that one bit and/or forgotten about most things by the time they needed them, simply because the actual adult life must feel incredibly unrealistic to most teenagers in school.
When I was in highschool I at least learned how to write checks, balance a checkbook and do stocks. I don't bother much with checks nor stocks but it did help me understand that things were going to get very complicated.
I had a class called “adult roles and responsibilities”, but it was such a joke. Especially bc it isn’t necessary to you in hs, so you don’t have a reason to pay attention and don’t retain the info. Plus times change so quickly. Like we learned how to file our own taxes and write checks, but no one does that anymore. It’s irrelevant to high schoolers.
I thought this was going to be a video about how people who complain about adulting are lazy or whatever but this was a nice surprise. And very relatable.
I'm 20 and I've been dealing with this type of shit for 2 years now, and I still haven't covered much beyond job searching and DES. Why doesn't school teach any of this?
I have literally no idea how he made this so funny. I haven't laughed this hard in a long time and then showed it to my dad and we both were laughing super hard by the end of it. Practically a perfect sketch imo. This was amazing
The protagonist has a superpower of being able to get any type of business by dialing random numbers, and by filling out a “few” “simple” forms I’m sure he could turn that into a great business opportunity.
I've been doing this for about 2 years, I've given up on caring about the future and only care about the now. so literally just enjoy the freedom and worry about the problems when they come
But that’s exactly how the problems come…bad advice. It can be prevented in the FIRST PLACE and you’ll get smarter. Think about that when they come for your car, anything paid for by credit card and pet emergencies…all while being broke. It’ll add more stress dude.
I've gone the third route. I live in a car and fix appliances for parking spaces and money. Of the 13 hours a day I am awake I clock about 40 minutes of work on a busy week. My bills are $100 a month plus fuel. Food isn't hard to find. The only things I miss are sleeping with my legs straight and running water.
Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. It provides liability insurance and the tenant's personal property is covered against named perils such as fire, theft, and vandalism. It also pays expenses when the dwelling becomes uninhabitable. Due to renters' insurance existing mainly to protect against losses to the tenant's personal property and provide them with liability coverage but not to insure the actual dwelling, it is significantly less expensive than a homeowners' policy. The owner of the building is responsible for insuring the dwelling itself but bears no responsibility for the tenant's belongings.
As someone who worked at geico for 6 months I can 100 percent confirm that is how people talk to you when you work for a car insurance company. If you aren't threatened at least once a day you leave feeling weird and like something terrible is going to happen to make up for it
My dad was smart and slowly eased me into it. By time I was 16 I was paying half of my own expenses and bills. I paid all my own car insurance and saved up to buy my car and phone plan. Then I moved out and got my own apartment at 18.
I live with my parents because I am ok with living with them. I am 22 and we have several houses. I could move into one by myself if I wanted to and knew how to take care of myself.
My parents had me do similar. By college they had me finance my own laptop so they could cosign and I could build up my credit. I have excellent credit to this day.
For all you youngins out there, I can assure you this is 100% accurate although it did leave out the joys of watching the value of your bank account wither away due to grossly unhinged government spending
Zach, I just finished engineering school and started adulting and realized my hair is actually falling. I will take advantage of your advertisement. Your video is spot on brother!
If "adulting" is hard, "senior citizening" is even harder! Add to the pic social security, medicare, doctors, hospitals, retirement, prescriptions, funeral planning, etc.
I've been an adult for nearly 15 years and still struggle to understand half of this, lol. Only just moved out from a private landlord to a regular apartment last year and had to get renters insurance (and yes, they want me to bundle it with my car insurance 😂). My car insurance is up for renewal so they called me to try to lure me over. Thing is, they're offering the same rate or a little higher than what I currently pay. I like the two bills being separate so I can ensure I pay them on time. If bundled, that's more money I have to pay at once. I also love how they real ass have add-ons you have to specifically mention for "acts of god", or things lost due to weather. Often times, flood insurance ends up being something way more expensive on its own, so if you own a house, for example, you must specify with your home insurance that you want flood insurance. The regular insurance might cover for the fire, burglars, a tornado, anything else. But any flood damage or water damage? Nah. Health insurance is also where I get confused but I just look at it as, I get sick rarely, but freak incidents can happen, like needing a blood transfusion a few years ago. So, I go with the middle plan offered. Not the lowest, not the highest, nothing with an HSA as I'm not likely to need one (I mean, I might, but I'll roll the dice on that). And retirement plans are hard to understand. Right now, I'm just going to get my workplace's 401K since their contribution rate is alright with matching 50% of your contribution up to 6% of your paycheck (which, between insurance and eventually buying company stock at a discount, 6% is about all I'd probably want to contribute each paycheck). Great video, it's definitely treacherous those first few years to get your bearings, lol.
Friendly reminder that insurance companies make things confusing on purpose so you get worn down and just agree to whatever. It's not your fault, it's theirs. Also, the health insurance industry should be rendered obsolete lmao
Dread. Especially in the USA. Europe is a bit easier (better labor laws and customer protection laws) AND you can buy your own drinks when you're 18... Oh, and taxes are significantly easier.
@@Hyblup Well, if You lived through the Australian fauna as a kid You are probably a little more prepared to face dread then an average European ;) Our spiders are wimps ;)
Oh, Same. The Confusion I have renewing my Lease, Renters Insurance, Electric, turning on Internet, and Utilities every Year. When I got my first Apartment, I Signed and Initialed, and no joke, 52 Pages. My Escape is watching this. Thank You.
As a cashier, I can confirm: people will try to stack 5+ coupons on an order and then split payment up among several methods, but once it goes to them using 3 cards, I'm "supposed to get suspicious" of them.
haha, yeah, for sure. now heres the trick to avoid all that: have a global pandemic happen just as you turn 18, forcing you to keep living with your parents for 3 more years, which is also a strategic move because you cant get a job with which you could afford your own place and youre in university, resulting in you not learning any of this (except the salary part) and feeling like a failure at 21. just hypothetically speaking.
@@scoundrel7011 im trying to focus on being good in uni and keeping up with studying. gotta work with what you got, and try being nicer to yourself. none of this is on us. we'll still be able to learn these things when we need them.
Yeah my parents never even thought to teach me any of this stuff. People just kind of expect you to grow up and figure everything out. Then they get mad when you make mistakes or take too long.
This is why I get so pissed off at boomers because they will literally teach you ZERO LIFE SKILLS but they will also belittle you for not knowing how to live as an adult when you were taught nothing about adult hood as a kid or teenager. This video hit me hard bro like I was never taught what taxes are, home repair, importance of saving money, education, I’m playing catch up.
there’s actually a required course called Personal Finance in my state that covers a lot of this! unfortunately our guidance counselors push everyone to rush through it, i took it online and only paid attention after failing a quiz the first time… it was probably really useful :((
Oof, didn't even cover the internet package promo where you have to call them once a year to personally complain to a rep until they give you a $20 / month discount, and no you can't just get the standard discounted rate for forever, you Need to call in and complain every 12 months..
