21 Minutes of Girl Math TikToks That Hurt My Brain 🤯

Today's episode is all about girl math.

“Now, I may not be a girl, really, but I do know math.”

Oh, and I've seen enough impulse buys and Instagram halls to know a good old-fashioned spending excuse when I hear one. So today, I'll be reacting to some hands-selected girl math videos and to make things clear. Bad money habits are not gender-specific, but the ladies tend to lead the charge in hashtag vulnerable content creation. So here we are. Now, before we hop in no matter what gender you are, it would mean the world if you would hit like on this video and subscribe to the channel if you haven't already.

And big thanks to the delete me for sponsoring this channel, more on that later. Let's get into it. This is girl math. So I bought this purse for $38, which means it was $30. Round down, not a girl math.

What? I spent $200 at one store, but all the other stores we walked into, I didn't buy anything. So when you spread it out, that was good. You see, my name?

I saved money because I walked out as are not buying anything. From math. We went to Sephora and the lady at the cash that if I spend $20, then I get $500, which is $10 off my next purchase. So I made money. It's been 20 get 10.

Okay. I bought $20 in scratch tickets and I won $70. So I made $70. Yeah, you made $70. You know, because it was cash.

That was free. No math. That's good content. I don't care who you are. Now, clearly, this is tongue and cheek.

This is some satire here, but also, it's also their real life. But there's self-aware enough to know that they didn't really make this money. That spending 20 on the scratch ticket making $70 is not a $70 spread. It's 50. But emotionally, we can justify all of this.

If you just do enough girl math. But I want to go back to this $38. It cost me 30 because you're round. Can you really round down $10? I mean, after tax, you're talking 40.

So I feel like if anything, you got to round up to 40. Because that's too much maths. But, you know, whatever makes you feel better. And then, like, not spending at other stores. That's a good thing.

“You should not spend it every single store you walk into.”

That would be maniacal. I like this one here. We went to Sephora and the lady of the kids. Yeah, the old spend 20 get 10. Now, I'm surprised she even knew how much dollars 500 Sephora points turns into.

That's impressive. That's like knowing, you know, the Lord of the Rings language. That's super confusing. You've got to shop at Sephora enough to understand that. But if you were going to spend 20 anyways and the buy product was $10 on your next purchase,

I'm not mad at that. But to then find something to spend $20 on because you could get 10 from it. You need help. Thank you. Strong start.

I'm not angry yet. I'm loving this five so far. Let's see if we continue this energy. So today's girl math is that I owe $200 on my credit card. And I also owe $180 on a bill.

So I'm going to pay the $200 to my credit card. And once that clears, I'm going to use my credit card to pay the $180 bill. So really I got two bills paid for the price of one. So let me know if you want any more financial. Okay.

“So she has a balance of 200 on the credit card, which is probably like 27% APR that she's paying an interest.”

And then also has another bill. It's 180 bucks. Maybe we should stop paying bills with the credit card because this sounds like a vicious cycle. Because now she has $180 on the credit card that she needs to pay off without their money. And then she's going to have more bills on the line that she also swipes for.

So this feels endless and exhausting. And let me see if anyone agrees with me.

Pips said this is exactly why my credit card is never fully paid off.

Scull emoji laughing emoji. I don't find this funny. Who's laughing? Not me. That means you're actually up $20.

You know what that means? Free Starbucks. Goodness gracious. Yeah, a lot of people are with her. So you're saying you say $20.

Two bills for the price of one and extra $20 is win-win. Girl math makes sense. Say his money every time. I love it. This math is how our government works.

Okay, that's a funny one. I like that. All right. We're one and one here. I like the first one.

Not a fan of that one. Let's see what we got next. Okay, they've saved it again. Good. I think that's all free cash.

No. We just did a free fund. Yes. Customers are free. And she thinks because it's cash now.

And it's not in her bank account that it's free. It's free. It is not. Give me guess. It's been $119 free.

No. It's going to get something. No, just for me. It's not free. No.

In fact, you should give me that. No. Yes. No. This is my money.

I got it. They give it to me in my hand. This is mine. Okay.

First of all, it's not free money.

It's going straight back into your bank. No, that's not going our bank. It's free money because. Okay. It went out of my bank a while ago.

So now that money never existed to me.

Now this is free money because I'm just getting $19 out of nowhere. This is free money. It's free money. Thank you. The girl math is happy.

She bought more stuff with it. I feel for this man. You can tell that the real moment happened. And then he said, okay, baby, say it again. So he's getting her to retail the tail of how she just made $119.

And this sadly, I've seen more and more, especially from the younger generations. I was just talking to it. Gen Alpha and Gen Z year earlier today. And they straight up told me, oh, if I have cash, like that is outside of the system, that money is gone. It is spent.

It does not exist because I didn't see my digital bank account number or Venmo number go down. Therefore, nobody saw it. The tree falls in a forest and no one hears it. I've got it being bought above. Ba-da-ba-boom.

Now, the part that it hurts my soul is that she could have just never spent $119. And we would be in a better place. We wouldn't be in this mess.

“Now, the other thing she could have done is use the $119 to accomplish a more important financial goal.”

Now, I'm glad she returned it. A lot of people just forget to return it. Mr. Return window. Don't fight for the return to get the money back. And it just sits in a closet.

Goes to goodwill. Goes on a landfill. Whatever. So, I'm going to give her a point to say at least she took the effort to go to the store with the item and get the money back.

Love that for you. But what we did with the money, I have questions. But let me just tell you this man. He's cooked. Okay.

We are cooked. This is a lifetime of free money. And hopefully they have a lot of it because otherwise they're going to be broke. Let me see if she's like an influence. Oh, she is.

Very much so. Her email is a talent group. She has like a booking agent. What? This is crazy. Follow our journey.

800,000 followers. What am I doing wrong? I should be going to the mall with my wife and having her just return things. And we film it.

“Whitney, if you're watching this, which I know you're not.”

Shout out. Moving on. I think it's enough right now. 250. About 18.25 dollars a week.

Yeah. You're way more than 10 times. So five dollars a week. So cheap. Yeah.

You're literally buying it from the dollar store. So get in your coffee. You're somewhere where. Oh my gosh. You can.

You can. If you. If you forfeit your coffee. Every time you wear that.

Then it's basically free.

We cracked your milk. That is so good. We cracked your milk. They've just defined the laws of physics and gravity. Okay.

Five dollars a wafer for twenty wares is a hundred dollars. What? And then she goes, well, if I forfeit the five dollar coffee, technically it's free. Yo. And this isn't even America.

Clearly, they are not from America. I assume they're from a very intense part of Australia. That's a pretty thick Australian accent. I've heard plenty in my day. Let's put another shrimp, bum bum all day.

But I do, I like the energy. I do think this is funny. I just pray for whoever they get hitch to. Because he's he's lost. He's lost the battle.

You can't out math. Girl math. It is top to your math. It is S tier mathematics. Okay.

No master's degree. No physics degree is going to top that. One person said it's called amortization. Not sure how that works. Science is power.

Said someone else.

She'll wear it five times and will never skip coffee.

Accurate statement. Yeah, you hit the nail in the head. And there's the truth. Maybe this becomes a go-to where for her. I hope when I pray that.

But oftentimes, you buy it. It sits in a closet. Maybe you wear it once or twice. And then you go, huh? It's not for many more.

My styles change. The seasons changed. So that part bothers me. But that's just a man with a wife with a lot of clothes. And she's going to come at me for this.

But it's true. And I'm guilty of it too. So we're all guilty of it. But I think we need to back up and go. Maybe we should stop justifying purchases.

“And instead, go, am I actually going to use this thing a whole lot?”

Do I have the money in full in cash without derailing my financial goals? And if you can say, I heck yes to all of that, you go, girl. You don't even need to go on math. All right, just no math involved at all. Oh, no.

I got to read this font. Girl math is buying a new car because you didn't want to replace your tires. Okay. I don't know who his money she has, but it's not hers. Okay, I don't know if it's the trust fund involved.

A husband who got roped into this, a co-signer who reluctantly signed. But this is wild behavior. Okay, replacing your tires.

To replace your tires. What did she do instead?

Probably buy what looks like a,

“I'm going to say $70,000 BMW SUV brand new with a giant payment.”

Yeah, carry the one and you've got it. EDSC, I got to check though. Are the, please don't tell me the comments or in support of this behavior. There we go. I did this two years ago.

My Lex has got a flat, drove straight to Portia, left with a new McCon. McCon, you just stopped making terrible financial decisions. Swirl girl Brooke. Tiki said traded in my bends for a BMW Friday because I'm not dealing with that maintenance. Lisa only from now on.

How? Like we have AI. We've all the information in the world and it cannot stop the stupidity of humanity. Because we want nice stuff and we want it now. And we don't care about the consequences and the payments and the interest.

Oh, gosh. They are driving their, they're well. They're erred, flaunting it. And it's not getting him very far. Smart math is no car now.

Let's go. Little but sassy dot talk. Don't know that. What that names about? Don't want to know.

That sounded naughty. I've done that a couple times. There we go. A lot of people are. It's it's relatable content because a lot of people have made this stupid decision.

But if you're watching this, never let this be you.

Okay. In fact, don't buy a brand new car unless your network is over $1 million.

“Because the truth is the moment she drove that BMW off the lawn.”

It probably lost $4,000 in value. Now worth it. So if you just want to throw money away, absolutely do what she did. But if you want to build wealth and have a life and a retirement. You can drive a cheaper car.

You can have a nice car one day. You can buy a BMW and you can buy use from someone else that paid the depreciation for you. That's the smart move. But do not be like her, please. In any way, shape or form.

Beautiful nails. She's clearly is getting the nails done a whole lot. As you can see, girl math does not lead to the best financial decisions. But you know what is a smart financial decision? Choosing a bank that has your back.

And that's FairWins Credit Union sponsored today's video. Unlike those other banks that hope you keep swiping, overspending, living on credit, FairWins actually wants to help you make smarter choices and become debt free and stay that way. And right now, when you sign up for their smart bundle,

you get a no fee checking account and a high yield savings account to help you save more and build wealth. So if you're ready to make progress on your money goals this year, get the smart bundle at FairWins.org/Ramsy or click the link in the description. And before we get back to more videos,

we gotta talk about something else that doesn't make any sense. You letting your personal info flow around the internet like a password written on a sticky note labeled password. You are just asking for some creepy internet thief to steal your data and sell it to the highest bidder.

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so you know exactly how they protected you and how much time they saved you. And right now, you can get 20% off their annual plans at joindeleteme.com/shorge or click the link in the description. All right, back to the unhinged videos. Gromath is knowing that kids cost on average

$21,000 a year or $240,000 over 18 years. So if I don't have a kid, I'm making $20,000 a year and I have a free $240,000 in my pocket. Basically, everything I do is free because I don't have a kid. Hey, yeah, zoom me.

Is she the girl who always encourages people to not have kids?

Child free, cat lady, remind me you to take your birth control. Okay, yeah, she is that same girl, the girl with the list.

“The list of reasons why you should ever have a kid.”

Listen, if you don't want to have kids, that's fine. In fact, some people maybe shouldn't be parents. But the idea that you're saving money by not having a kid, it's just that's not how this computes. Okay, having kids is so much more than a financial decision.

Yes, kids are going to cost money. You got to buy diapers. You got to buy formula. You got to pay for all the clothes and things that come along with it. But is it worth it?

And what I make sacrifices to budget for those things? Yes. Will you have $240,000 sitting in account 18 years from now because you didn't have kids? Absolutely not.

Nobody has that kind of discipline. And the good news is you can have $240,000 sitting in an account even if you do have kids with some intentionality. So I review pretty much everything that comes out of her mouth. As the dad of kids, that changed my life.

I love you. Also, she was once a kid. I wonder if her parents will grant that. Next up. The only one that thinks like this, but I don't think I am.

I have the mindset whenever I go to Starbucks. My coffee's free.

they don't have an app that you would load your card with.

“So at a time that I go to those coffee shops,”

every time I'm spending my $8.9 on my own coffee, every single morning. Whenever I go to Starbucks, I reload my card. Now I'll have reloaded it maybe a few days ago, and it'll be like 20, 50, whatever box that you put on there.

So at the next few times that you go, it's free. So every time I go to Starbucks, I'll get my coffee for the name. It was free. It was already in my app.

So today my coffee was free, and instead I spend a hundred dollars at Target. I cannot be the only one that thinks like this. In my head, Starbucks is free. Local coffee shops are paying for.

Wow. I can't be the only one. You're not the only one. And I understand why she thinks that way, even if someone's got a break at tour that she has just

pre-paid for her coffee for the next week or two, or maybe two days based on how much she's nine dollars, nine dollars. What are you? It's got to be a large. It's got to be a latte.

It's got to be specialty, and she's got to be getting a non-dairy alternative milk that they're also charging for.

“That's the only reasoning I can think of,”

as to how you could spend nine dollars at your local coffee shop. But yeah, Starbucks are their geniuses at marketing. I even made a whole video about how Starbucks is secretly a bank because of this very thing. They have all this money that you've loaded onto an app

that they can now do what they will with, and they do what they will. And it's true. You load your account with 20 bucks. That money's sitting there.

It's already left your bank account. Now five days later, you go to Starbucks. You spend the money, and nothing leaves your account. Because it already did home girl days and days ago. So now it's not free. You just pre-paid for it.

Hope that helps. All right, next up. If you booked your 2026 trips now,

it's basically free because you paid to 2025 money.

Oh boy. Here we go. I'm seeing a theme here. I'm seeing a big theme. Okay, here's the trick that they're using.

If you spend money now on something that happens later, the thing that happens later is technically free because it didn't leave your account. It left your account. Many moons ago.

That's an old you. That you is gone. All there is is present you in future you. So why worry about it? There you go.

I just summed up girl math. That is without a doubt. The dumbest thing I've ever heard. But it's true. If you booked a 2026 trip with 2025 money,

you already paid the 500 bucks. And when the trip happens, you're like, I got a free trip.

“But really, you should've just budgeted for it,”

paid cash, and intentionally knew that you just

pre-paid for the trips. Very similar to the Starbucks analogy, just with a whole lot more zeros on the end. And Holly was honest in the comments. I don't have any 2025 money left.

And that is the truest girl math. Because they don't have the money to begin with. What are you going to do, Holly? You're probably going to put it on the credit card to pay for that for the next eight months at 27% APR.

Okay, everyone agrees. I don't think there's a single person calling her out except for me. You never get past me. That ice cream does look delicious though.

We've all heard of girl math, but let's not forget about girl measuring. Oh, yes. That's a good one. I would love to know the scientific accuracy.

I've just taking a measurement and then moving your hand. I've got to guess you're probably off by 10 to 15% on average. Depending on your dexterity, you know, your hand-eye coordination. That's what it really comes down to.

Now, if you keep it at a certain distance, I think I could probably get within like a 98% accuracy. But I won't know for sure. Also, you can, this is a hack if you didn't know. So you have an iPhone.

There's an app called Measure. And you can do it all digitally. You don't have to own measuring tape ever again. I use it very frequently. And it also has a level on it.

Turn it sideways. You can level things on the wall. Brilliant. Because I don't know if you can tell. Not a big tool guy.

I am a tool though. Been told that in the comments. Now, as per usual, producer Alex has thrown a wrench in the plans with a bonus video that may or may not be wild.

So let's see what he has for us today. So you've heard of girl math. You've heard of boy. But have you heard of god math? Hear me out.

Hear me out. Five loaves. Plus two fish. Five thousand equals five thousand meals. True.

With left. It was left open. How did you do it? God math. Water.

Equals. Oh, wine. God math. For one cross. Plus three meals.

No, he does. No, he does. No, he does. So you've heard of girl math. You've heard of boy math.

God math. God math.

God math. God math. God math. God math. God math.

God math. God math. Wow.

“That is some of the best evangelism you could find”

on TikTok right there. And it's true.

I mean, again, it defies the laws of physics and gravity.

But guess what? God is above that. Amen. And he created math in a sense. So he can do what he wants.

Very impressive. Thank you. Joe Christian guy. I love Jesus. TX.

Is that a city in Texas? It would not shock me.

“If there's an actual city in Texas called I love Jesus.”

Thank you for that.

Two and a half million followers.

I'm going to be making Jesus Duke content. Guys, I could really be doing something with my life. And jokes and fun aside, everyone's got their own version of girl math that they use to justify their spending or more likely over spending. And that is why having a budget is so important. It gives you a plan for your spending.

So instead of feeling guilty, you feel in control.

“Okay, I'm not mad at you having stuff, but you have to do it intentionally instead of just wondering why you don't have any money at the end of the month.”

So if you're still letting vibes run your life, it's time to call on some backup.

I've got the thing for you. It's a great app called every dollar that you can get it in your app store or click the link in the description below. It will help you get control of every single dollar you have coming in. And if you like this video, I have a strong feeling. You're going to enjoy this one where I react to more terrible money advice I found on the internet.

They have everything there. Thanks for watching. We'll see you next time.