Wait... $836,364 in Debt Isn't That Bad, RIGHT?

Wait… $836,364 in debt isn’t that bad… RIGHT? Well it's almost $1 million of debt but who's counting. That’s exactly the mindset behind this viral debt story—and it’s why so many people stay stuck financially for years.

In this video, we break down how someone ended up with $836,364 in debt, including three mortgages, a HELOC, credit cards charging up to 29% APR, and a car loan that’s $56,975 upside down—while downplaying it as “not that bad” and “just money.” We unpack the dangerous thinking behind minimizing massive debt and how rationalizing it can quietly ruin families, mental health, and long-term stability.

This isn’t about judgment—it’s about reality. From high-interest credit cards and minimum payments to multiple mortgages and emotional spending decisions, this video shows how debt cycles form and why saying “it’s not that bad” is often the biggest financial mistake of all.

If you’re trying to avoid financial mistakes, pay off debt, understand credit card interest, or stop the cycle before it spirals, this breakdown is a must-watch.

Chapters:
00:00 “Almost a million in debt” reveal
00:24 Is it mortgage debt or consumer debt?
01:18 Comments: “You went into debt”
02:28 Debt breakdown: 25%–29% APR cards
03:00 Wait… 3 mortgages?!
03:56 “I’m not selling anything”
04:33 You can only live in one house
05:17 Emotion vs math: keeping the property
06:10 “Mortgage doesn’t count”… girl math
07:50 “It’s just money” mindset
08:24 How to actually calculate payoff timeline
09:22 Interest rates make time your enemy
09:58 Partner doesn’t care about debt
11:13 $23,769 at 29.73% APR
11:38 Why minimum payments keep you trapped
13:24 Credit card ≠ emergency fund
14:54 Call the bank: hardship/payment plan
15:46 “Debt is worth it for my kids”
17:12 Why this can spiral fast
18:27 Comment: debt now = kids pay later
19:29 What kids actually want vs lifestyle debt
20:29 Debt doesn’t care about your backstory
21:11 HELOC + 3 mortgages reality check
21:28 better decisions starting today

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