# I Asked People at Disneyland How Much Debt They Have

## Метаданные

- **Канал:** George Kamel
- **YouTube:** https://www.youtube.com/watch?v=LrdFA0h6cuo
- **Дата:** 08.06.2026
- **Длительность:** 16:21
- **Просмотры:** 122,406
- **Источник:** https://ekstraktznaniy.ru/video/53030

## Описание

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I’m here at downtown Disney to find out how much the happiest place on earth is costing people by asking one question: How much debt do you have? It’s a tale as old as time.
 
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## Транскрипт

### Segment 1 (00:00 - 05:00) []

— Imagine going to Disney, the land of escapism and fantasy, just to have someone remind you about your crushing debt. Well, today I am that someone. I'm here at Disney in Anaheim to find out how much debt people have and how much this trip is costing them. And before we get to the harassment, shout out to DeleteMe for sponsoring this very expensive field trip. Let's get to it. How much consumer debt do you have aside from a mortgage right now? — Well, it's 500 cuz I'm almost about to pay off my car. — Oh, man down. So, how much is left on the car loan? — 500 400, so. — $400 total is left on the loan? — Yes, that's all I owe. — You can pay it off today. — Yes, I can. — you got in savings? — Like 3,000. — So, you could pay it off today and still have tons of money left over. — it off, I could uh — Why aren't you? — Um just waiting, you know, cuz it's about to be the first of the month, so I'm just waiting for that. — Waiting for the next payment? — Mhm. — And then it'll be done. And that's all the debt you have, no credit card debt, no student loans, nothing? Okay. How about you? — I just got me a brand new car, a uh 20 2025 Acura ADX. I don't know if you know about cars. — Acura ADX? — It's a new model. — That's the new one. — Yes. So, I was — What does that run? — Out the door, like 42,000. — Really? — Yes. Credit card, a little 3,000. — Okay, we're up — we're up to you know 45 now. — Yeah, and then um no student loans. You know what, a little Target another thousand for a Target credit card. I don't Okay. — And then — Now we're 46. — That's about it right now. — So, 46 grand in debt. What's the car payment on that Acura? — It's about $600 a — Okay. And that's for how many years? Do you even know? Or interest rate? — uh 6. 7 and it's about 6 years. — 6 years? — Yeah. — Are you going to take 6 years to pay it, like just make the payment every month or what? — Hopefully I can do a little extra payment um monthly payment then I'll throw it on the principal. — Okay. All right. You're up next. How much debt do you have? — My car is like 42,000 also. Yeah, I got a 2025 Hyundai uh Santa Fe. — Okay. — Cuz I got four kids, so yeah. — They all fit in the Santa Fe? Is that a third row situation? — Yeah. — Okay. — Third row, yeah. — Nice. — And then — What's the payment on that? — It's a little high cuz I was upside down. — So you rolled over negative equity — Yeah. — from another car? — Cuz it wasn't worth it. Like the car I had was almost 19,000 left on it, and the car's worth was like 5,000. — So you double down. — So it was like I rather get something that I love that I will keep long-term and just bite the bullet now. — be underwater on that already now because car isn't worth it cuz you had the negative equity? — So I sold it. So like they took it, they sold it. So I got some money on it. So it made my payment go a little lower. — Okay. So what's the payment now with all that negative equity? — It's like a seven. — Seven something? — Seven. Yeah, 700. — Okay. Any other debt? — And then I have probably like with all my credit cards like 10,000. — Another 10. Okay, so she got you beat. — A little bit. — She's at 52. — real, 10,000. — Let's do some math. Let's say you never took on a car payment again. You just saved up and paid cash for your car, and we just invested that payment. So let's ride this out for 20 years, let's say. 26 to 46 for easy numbers, okay? So 26 to 46, we're going to invest that car payment instead, and let's say you have nothing in retirement, which you have some, right? — I do, yeah. — How much do you think you have? — I would say maybe uh close to 20. — Okay, great. Let's put you at 20 cuz that's your real numbers. And then monthly we're going to contribute that car payment, which was how much? — 435. I'm going to go with a 10% average annual return. That's what we've seen in the stock market. You'll probably see that in your TSP over 20 years if you, you know, took the average of it. Now hit calculate for me. Let's see where you'd be at. — 400,076 and 80 887 dollars. — About half a million bucks. And that's just 20 years. Now imagine someone going to their 60s cuz that's going to hockey stick. Does that impress you? — That does impress me. Yes. — You ever seen half million dollars sitting in one of your accounts? — No. — It's going to feel pretty good. — this economy. — Exactly. Okay, you want to play the game? — Sure. — Oh, yeah. How old are you? — Um, 35. — 35, okay. You want to ride it out for 20 years, too? — Sure. — Are you like, I'm not going to 55 investing? — Every day is a different day, so I I'm going to say yes today cuz I'm not at work. — All right, so you want to go 55? Let's say that you had income coming in, you were continuing to invest, okay? — For 20 years, 35 to 55, how much do you have in investment so far? — So, I have about like $3,000. — Okay, so we'll put 3,000. — are we talking about TSP or savings? Oh, no, I have like about cuz I put 10% of my check there. So, I have close to 30 30,000 dollars. — Nice. Okay, I'm going to bump to 30 for you. And how much is that car payment? — 600. So, let's say you got aggressive, you paid off the car, and you didn't go back into car loan, all right? You just started investing that payment instead, started building wealth for yourself. Let's see, you hit calculate. — $675,463. Wow. — Does that surprise you?

### Segment 2 (05:00 - 10:00) [5:00]

— Yes. — What did you think it was going to be? — Not I mean, it's about 200,000 more than hers. — And that's if you just invest that. You're already investing more than that with your 10%. — That's cool. — Can you imagine it's 15%? — Wow. — It's you're probably investing a thousand or 1,500 a month at that point, right? — Right. — So, you're probably going to have seven figures in that account once you retire if you just stay focused and avoid debt. — Correct. — Does that make you change your plans to get rid of this car debt? — For sure. — How about you? Oh, yeah, Mo. I'm guessing your numbers would be very similar, if not more, with your You've been in a longer and you got a slightly bigger payment. So, you start investing that. — Yeah, no, I it be a lot. — I'm looking at future millionaires here. For today, we're having fun at Disney. — Yes. — Oh, I got a gift for you guys. So, this is EveryDollar. This is our premium budgeting app so that you can make a plan for every dollar you got coming in. So, it's an app, you list your income, your expenses. We'll give you all kinds of personalized recommendations to get more margin in your budget so that you can pay off the debt faster, so you can invest more. And this is our gift to you guys today. So, I got one for each of you. That's a one-year subscription. You download the app and just have a heyday. You could That way you can keep each other accountable with looking at each other's budgets. Have a little budget, you know, girly pop meeting. — Yes. Period. — You're like, "Now we're talking. " Make it a party. It doesn't have to be boring. — That's right. — I love it. How'd you pay for the trip today? Was it on a card, like credit card, cash? — I used the card, but I also had the money saved so I like to build credit that way. So, I had most of the money. I bought the trip, spent for half of it, and then before we came, I spent the other half on the card. So, the trip was good. — Okay. What's the current balance to pay off on all of your cards? — off right now. Oh, no, my cards. Oh, we're not playing that game, dude. I owe a lot of money in cards. — total balance? You couldn't shock me. — I'm probably about 14 grand into the cards right now. — On credit cards? Okay. And that's probably, I don't know, 26% APR. — Yeah, like that. 22%, yeah. — Do you ever add up the interest and go like — I have, and it hurts, yeah. I missed a payment yesterday, so it — So, that they hit you. — Yeah, they got me good on that one. It bounced. The interest hits immediately when they do that. — Oh, yeah. Man, okay. Do you have any other types of debts, like car loans, student loans? — No, we're good on that. I'm paid off on that stuff. I didn't go I was I'm a trade worker, so — No student loans — So, people in the trades can avoid debt better? — I Well, they don't like to tell you can make 80 to 90,000 dollars a year without owing them 200 grand by the end of it. You know what I mean? I mean, I make a good amount of money doing carpentry, and I didn't pay any 200,000 dollars to go to school. And I still make close to 100,000 dollars a year. — So, what is the device for people in the trades? Are they getting a big truck with a payment or what? — Well, I mean, if you own the company, everything's a tax write-off, right? So, if you own your company, you have a license or anything like that, you can write off your trucks. as long as it's for your work. It's a good way around a lot — Who's writing it off? — You write it off. — as an expense for your business. And you get reimbursed in the end. — Yeah. — So, what's the game plan to pay off the 14 grand in credit card debt? — Just keep grinding, bro. That's what I do. No, you know, my wife has a good job also, so we kind of pull together and we we've paid off debts before. So, we'll get this one knocked down, too. But, I mean, there's never there's not really a game. It's just I keep grinding. I try and stay under the interest. Don't miss payment. That's what it is. — Do you ever think about just cutting up the cards and just going all cash and debit? — all the time. See what they can do. What can you really do about it? — What are you going to do? Sue me? — Actually, yes. — Put me in jail? — It's real and that's the funny part, right? Like, what are they actually going to do? You know? But — Yeah, they'd probably uh get a judgment against you and garnish your wages. — they would do. — That's a worst case scenario. — Just force it out of your bank. — They're already taking the money, you know what I mean? But, yeah. — Do you guys have any consumer debt right now that you're working on paying off or that's sitting around? — My car. — Car payment? What's the total loan balance and what's the monthly payment? — Total loan balance is going to be 29. That's the remainder. I just got the car. — What kind of car is it? — Uh Hyundai Kona 2025. — Nice. And what's the monthly payment on that? — It is 450. — 450. Okay. How about you? — I do have uh credit card debt. Um it's only about 5,000, but that's about it. — 5,000 credit No credit card You got no car payment here. You have the car payment. What about credit card debt? — Uh I think it's 400. That's all I have on my Apple Card right now. — On the Apple Card. Okay. And no other debt, no student loans, personal loans, medical debt, anything like that? So, what's the game plan to knock out the car loan? Like, you're just kind of pay the minimum payment until it's done? — Well, I've been paying about $600 every month. — Okay. — So, like the base the payment — An extra 150 a month? — Yeah, so I know my brother, he was the one that I kind of told me to do that. — And how about your plan to pay off the credit card debt? What's Are you doing anything strategy-wise? — No charging on it and then pay double as much as you can — Okay. — and make sure it goes down. — Would you ever consider just like cutting up the card or something after you pay off the debt? — Yeah, I would. Yeah. Of course. I have about five right now. So maybe tricking it down to like two would probably be more feasible when I pay it all off. — Okay. Like when you open the credit cards, did you ever Were you like, "I'm never going to go into debt? " What was

### Segment 3 (10:00 - 15:00) [10:00]

the mentality? — I was just aggressive like, "Oh yeah, have a card. I want to do this and this. this. " I was also happy. — Thank you for the honesty cuz most people do, right? They're like excited. It's like it feels like, "Ooh, someone gave me some money to spend. " — Exactly and then I learned like easy like they come after you. So it's like, "You know what? Just pay your bills off. " And I um daily look at my credit score to make sure it's going good, going up, going you know, staying out of debt, so to speak. So I'm very active on that too. So yeah. — Okay. How about Do you know your credit score? — 752. — Ooh. Are you Do you have some credit score envy right now? — A little bit. But [clears throat] I No, I earn I deserve it cuz I do have a high debt ratio right now. — You deserve it like you deserve a punishment. — Yeah, cuz — That's amazing. — a lot on the debt. So you know what? I have to pay it down and I'm sure it's going to go back up to 700. — Okay. Do you want to guess my credit score? He's looking at me like Sky. — I will say 695. — I'll say like 790. — That's very generous of you guys. It's so much lower than you would ever think. — Really? — It go I mean, go as low as you think a credit score can go. — 790? I mean, I'm sorry. 490. — It's as close to zero as possible cuz it doesn't exist. — Oh, really? — Yeah, I don't have one. — Okay. — I'm off the grid, man. — Oh, okay. — I don't have any credit. debt, no credit cards open, and so therefore 6 to 12 months after you're debt-free with no accounts open, poof. — Oh, wow. — Yeah, you're credit invisible is what it's called. — Oh. — Like a cloak of invisibility. Talking about debt isn't exactly comfortable. But you know what is? Everything from Cozy Earth, a sponsor of today's video. Their entire mission is to keep you comfortable all day, every day, even when you're on a tram ride with screaming kids going nowhere fast. 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What is your total debt right now if you added it all up? — Probably like 300. — What are you doing at Disney? — Uh we have annual passes. — Oh, wow. So, you come here a lot. — Yeah. Yeah, I do. — How often? How many times a year? — Um this past we were trying to go 20 times. I've probably been about 14 times within the past year. — So, you didn't hit your goal. — No. — It was a huge fail. — Yeah. — How much does an annual pass cost? — I have the highest, so mine's 1,800. — Woo! — Yeah. — Okay, how did you pay for that? — Um payment plan. — Oh, a payment plan. Is there an interest? — No. — 0%? — 0%. — $1,800. Who do you owe the money to? — Just to Disney. — Mickey? — Yeah. — Are there any other payment plans you wish to disclose at this time? — No, I'm on nothing else. — You don't do any buy now, pay later? — No. — Klarna, Affirm, Afterpay? — No. — Can we have anyone verify that you don't have any other debt outside of the payment plan? — Yeah, you can totally ask my mom. — Ma'am? — Yeah. — Is she telling the truth? — What are you talking about? — Okay, do you co-sign on her decision so far? — No. Now, all right, mom's not co-signing. How much debt do you guys currently have? — I don't think that I have any right now. I'm too young to — No credit card debt, no student loans, no car payment. — Luckily, my dad pays my car payment. — So, you do have that, but your dad's paying the bill. — I have debt to my father. — Is it in your name or is the debt in his name? — That's a good question. I should probably figure that out. — But, he's paying the payment. Do you know what the payment is? — I do not. I don't drive my like it's not my car and I don't drive it right now. So, — your car, you don't drive it, he pays the payment. What is going on? — She's a California girl. — Yeah, so when I basically when I moved, I don't have a car. I guess it's how I save money on payments. I have a bike. — Okay, you bike around. So, your car is on the East Coast? — Yes, it is. — Oh, okay. Well, that changes things. Okay, and that's all the debt that you know of so far. — Yeah. — Okay, doesn't instill confidence, but we'll continue. How about you? Do you know anything about your money? — I am indebted to like an employment program in a way. — How does that work? — I have to work for them for 3 years, but because of that, I don't have any — that's a form of modern slavery. — An indentured servant? — for working my job. — They also they pay for her education. She just has to like work like sell her soul. — Yeah. — Oh, okay. — For that, you traded your everlasting soul? — So, you can't leave. — No. — Golden handcuffs. — Yeah. But, if I did leave, I would be in a lot of debt.

### Segment 4 (15:00 - 16:00) [15:00]

— How much are we talking? — About $120,000. — No car payment, no credit card debt? — I don't have any credit card debt. I don't have a car payment. — Congratulations. So, you feel debt-free as long as you continue this job. — Yeah, I feel emotionally full of debt, but in terms of my like financial records as of now I'm debt-free. — Okay, but in the back of your mind it's looming that like that hopefully this all works out? Yes. — Yeah. I can't get fired. That would be so bad. — too. — Yeah, I'm a vacation ruiner, I've been told. — Yeah, a little bit. — Yeah, but you guys are fine. You're going to be okay. — We're going to be fine. — I'm not so sure about that. — Well, depending on your definition of fun, that was fun. The debts range from minimal amounts of credit card debt to massive amounts of car loans and student loans. And here's what I found the common denominator to be. Most people weren't intentional about paying off their debt. They were maybe making an extra payment here or there, but not a lot of planning like it took to plan this trip to Disney. So, I want to encourage you to get out of debt, stay out of debt so that your life is more peaceful and more full of magic. And if you want to use that investment calculator, I'll drop a link in the description below. And if you want to find out if the East Coast is just as crazy as the West Coast, I went to Disney on the other side of the country to find out how much debt they have. So, click here to watch it next or use the link in the description. Thanks for watching. We'll see you next time. Now, time for fun.