【予言的中】「変動金利は絶対やめとけ」ひろゆきが警告する絶対手を出してはいけない借金と連帯保証人の罠【リボ/自己破産/ペアローン】

Amidst the flurry of news about the Bank of Japan's interest rate hikes, the "worst-case scenario" that Hiroyuki once warned about is about to become a reality. "I'm struggling to make my monthly payments..." "I want to buy a house or a car in the future, but I'm worried..." For those of you in this situation, this video features Hiroyuki thoroughly explaining the "debt trap that ruins your life" that honest Japanese people often fall into, and the ultimate way to escape it. From the risks of variable interest rates, never-ending revolving credit, the tragedy of joint loans, and even the co-signer you should absolutely refuse—before it's too late, learn the right "money education" and protect yourself. This is a must-see compilation video that also covers the reality and insider tips of "personal bankruptcy" when you're truly at your wit's end. If you found this helpful or thought, "I should be careful too," please give it a thumbs up and subscribe to the channel! We also welcome your personal experiences and opinions in the comments section. ▼Subscribe to our channel here    / @hiroyuki_twtr   【Table of Contents (Chapters)】 00:00 Digest 00:16 【WARNING】Don't buy a house with a variable interest rate 01:30 Fixed interest rate vs. Variable interest rate (Prepare for the worst) 02:51 The hidden trap of "fixed-amount" mortgages 05:04 The true identity of those who criticize "Residual Credit Alphard" 05:47 Why splitting a loan between siblings always causes trouble 07:40 Pair loans are the beginning of hell 08:53 "Real estate investment" by the poor only feeds the rich 11:29 Those who recommend revolving credit are liars 13:00 【Worst Contract】You can never escape being a co-signer 16:39 5 million yen in debt...If you're stuck, reset with "personal bankruptcy" 17:22 A secret trick to get a credit card even with a bad credit history 18:33 Banks are cruel. A quote by Mark Twain -------------------------------------------------------------------------- ◎Related Videos ▼[Hiroyuki x Azuma Hiroki] "Even with money, you can't be happy." What is the "third way" to survive in a desperate society?    • 【ひろゆき×東浩紀】「お金があっても幸せになれない」絶望社会を生き抜く”第3の道”とは？   ▼Hiroyuki: "Cancel your insurance. Don't do iDeCo either." This is the only correct answer. The optimal solution for money to avoid exploitation    • ひろゆき「保険は解約。iDeCoもやるな」正解はコレ一本。搾取されないためのお金の最...   ▼"A society where everyone has to work" destroys families!? The decisive difference between the talent to earn and the talent to raise children. The conditions for being a "true winner" for parents who are working too hard [Declining birthrate/Marital problems/Stay-at-home mothers]    • 【ひろゆき】「全員働け」の社会が家族を壊す!? 稼ぐ才能と育てる才能の決定的な違い。...   ▼[Childcare] "Early education is good" was a lie. The "Cruel Risks" of Infant Daycare: Experiments Reveal Why Parental Efforts Go Unrewarded, and the Most Inexpensive Way to Raise a Happy Child [Hiroyuki/Non-Cognitive Skills/Child Rearing/Genetics]    • 【育児】「早期教育が正義」は嘘でした。0歳保育の「残酷なリスク」。実験で判明した「親...   ▼Is the Mastermind Behind the Movie "National Treasure" His Ex-Girlfriend? Hiroyuki x Azuma Hiroki's Analysis Leads to an "Unbelievable Conclusion"...    • 映画『国宝』の黒幕は元カノ？ひろゆき×東浩紀の考察が"トンデモない結末"へ…【シン・...   ▼I've Had Enough...Angry Outbursts, Inability to Remember, Repeated Mistakes...What Should You Do with Troublesome Subordinates/Juniors? Hiroyuki's Honest Opinions Summary    • ひろゆき/もう限界…逆ギレ・覚えない・ミス連発…困った部下・後輩、どうすべき？ひろゆ...   ▼If You Were 20 Now, What Job Would You Do? It's Harder Not to Make Money with This!? How to Succeed in the AI ​​Era / Oracle Casual Tech Conference    • ひろゆき＆ひげおやじ/もし今20歳なら仕事は何する？コレで稼げない方が難しい!?AI...   ▼Make Full Use of National Systems! With almost no work, financial assets have surpassed 10 million yen. Even on welfare, you can afford a high-rent apartment!? Summary of the "World's Best Unemployed Association's Unemployment Hacking Techniques"    • ひろゆき＆ひげおやじ/国の制度フル活用！ほぼ働かずに金融資産が1000万円突破。生活...   ▼Hiroyuki & Higeoyaji Friendly Talk Collection    • ひろゆき＆ひげおやじ仲良しトーク集   ▼Hiroyuki's Twitter Continuous Playlist    • ひろゆきついったー切り抜きまとめ【連続再生リスト】   -------------------------------------------------------------------------- 【Hiroyuki, hiroyuki】Official Channel (@hirox246)    / hiroyukix   ▼A New Way of Life (by Hiroyuki and Higeoyaji) "World's Best Unemployed Association" is now a book! https://amzn.to/3W7sV8N ▼1% Effort https://amzn.to/3wXtYh8 Hiroyuki, a super-famous internet figure who created the success of "2channel" and "Nico Nico Douga" in the 2000s, and now manages "4chan," the largest anonymous bulletin board in the English-speaking world, while living a tranquil life in Paris. This book focuses on his "mysterious upbringing," exploring where he put in the most effort in his life, what decisions he made at turning points, and delving into his "way of thinking." ▼My Husband is Hiroyuki by Yuka Nishimura https://amzn.to/3yFcap1 【Bearded Old Man and Friends】Official Channel (@gamelive)    / gamelive   ▼Congratulations on Mr. Hige's Book Publication! ...