Cheap Not Broke

Mr. Cheap Not Broke
Comedian, Financial Literacy Expert
Ig: @Blackcungfu ,@ cheapnotbroke
Owner of Stress Less Credit Management

[Cheap Not Broke @Blackcungfu]

Book award flights a month out to avoid extra fees. Airlines are charging for everything and still losing money. What's up with that? #TravelHacks #AirlineFees#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Health premiums keep rising, but are you actually getting better doctors or better care? Things go up, but you get nothing in return. It's a damn shame. #Healthcare #HealthCosts#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Don't be loyal to airlines. Get your points and go. It's about maximizing what you get for your money, not sticking with one brand. #TravelHacks #AirlinePoints#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Why be loyal to airlines that nickel and dime you? $50 to redeem points, no water, and you lose everything if you cancel. Where's the loyalty going? #AirlineFail #CustomerService#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

People are loyal to prices, not brands. If the price triples, will you still pay? No, you'll look elsewhere. We're loyal to the price, not the brand. #PriceLoyalty #SmartShopping#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Price up, quality down? I'm out. Price up, less product? I'm out. Better price AND product elsewhere? I'm SO out. Loyalty only goes so far. Some new ppl running things now and they don't care about us anymore #customerloyalty
#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Banks profit from foreclosures by having people default, selling the property, and collecting on the loan. It's a cycle of buy, sell, repeat. #Foreclosure #RealEstate#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

50 years paying on one house? Saving only $300? That's over half your life. Is that the best use of your time and money? #Finance #Investing#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Thinking about a 50-year mortgage? A $400K home could cost you $816K in interest—double a 30-year loan. That's a whole lot of money over the life of the loan. #MortgageRates #HomeBuying#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Banks profit from long-term interest. Paying off debt slowly means paying forever. Don't be a fool and pay on a car for 30 years. You won't even have the car! #DebtFree #FinanceTips#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

50-year mortgages? Think twice! The interest alone will cost you a fortune. Even after decades, you'll still face repairs and insurance hikes while paying it off. #MortgageTips #HomeFinance#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

50-year vs. 30-year mortgage: Ever thought about how much extra work that adds up to? What could you do with all that extra money if you weren't paying a mortgage for two more decades? #MortgageTips #FinancialLiteracy#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Robots assisting in the house? Seems expensive and, well, have you seen the movies? I'll let someone else beta test the whole robot-uprising-in-my-house scenario first. #Tech #Robotics#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Thinking of skipping med school? Doctors spend years in school. AI can't replace that training anytime soon. Getting a certificate won't make you a surgeon. #MedSchool #Doctors#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

That perfectly cooked steak with garlic butter and fluffy mashed potatoes? That's the work of a real chef, not AI. Some things just can't be replicated. #Foodie #ChefLife#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

AI won't replace childcare workers. You still need a human for that. This is just fear, like Y2K. Remember that? Nothing happened then, either. #Childcare #AI #FutureofWork #Technology #Automation #Parenting #Innovation#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

AI might assist pilots, but it's not replacing them. You need real humans on planes to manage what's going on and handle any foolishness. Some things still need a human touch. #AI #Aviation#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Companies are using AI to manipulate pricing, charging you more during high demand. Remember when Wendy's tried that? Dynamic pricing is coming for everything. #AI #DynamicPricing#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

An oyster spot in Santa Monica is closing. It's not *just* tariffs—tourism is way down. If your business depends on tourism, $2000 isn't going to help much. #SantaMonica #Tourism#cheapnotbroke

[Cheap Not Broke @Blackcungfu]

Invest it! Need it? Do what you gotta do: pay off debt, support your kids, catch up. Just be smart with the money. It's your future. #MoneyTips #FinancialFreedom#cheapnotbroke