How Everyone’s Broke But Still Spending: The Credit Card Crisis

Why is everyone broke — but still swiping their credit cards like nothing’s wrong? Let’s chat about the 2025 credit card debt crisis and how TikTok culture is normalizing overspending, victim mentality, and poor financial habits. From “hot girl debt” to “girl math”, we’ll break down viral videos and talk about financial literacy and the real cost of living above your means. Whether you’re struggling with credit card debt or just curious about how we got here, this video is a wake-up call. Let’s talk about money, mindset, and the consequences of living beyond our means. NOTE Please do not send hate to the creators featured in my videos, that is not my intention! Keep all discussions in the comments :) DISCLAIMER All footage and clips shown in this video are used for the purposes of commentary and criticism and are protected under the Fair Use Act, Section 107 of the Copyright Act of 1976. Allowance is made for “fair use” for purposes such as criticism, commentary, news reporting, teaching, scholarship, education, and research. ________________________________________________________________________________________ #creditcard #debt #financialliteracy #creditscore #budgeting #girlmath #deinfluencing #overconsumption #videoessay #influencers #commentary #TikTokCommentary #socialmedia #tiktok #consumerism influencer culture, overconsumption culture, TikTok aesthetics, clean girl aesthetic, that girl trend, vanilla girl aesthetic, GRWM videos, Sephora hauls, Amazon storefronts, aesthetic capitalism, beauty standards TikTok, Instagram face, TikTok influencers, viral influencer backlash, “that girl” routine, aesthetic girl TikTok, TikTok luxury culture, influencer aesthetic, lifestyle influencer aesthetic, de-influencing, Stanley cup obsession, skinfluencers, influencer burnout, TikTok aesthetic trends 2025, underconsumption core, influencers out of touch, lifestyle influencers, influencer insanity, how influencers get you to spend money, beauty industry consumerism, beauty industry overconsumption, influencer tourism, influencers caught lying, why no one likes influencers, influencers be like, influencer cringe, influencers not disclosing ads, things social media convinces us are normal, underconsumption, anti-haul, social media addiction