It’s R Life - Part 2: Buying, Lying, and Rudely Replying

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Glass Half Full
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Glass Half Full »

From what I can gather from Ig, 3 FC teams placed 1st, two of these teams had no competition…they were the only teams in their category…not sure about the third team that placed first. Kapri’s team placed 3rd of 4 teams. It seems that after day 1 they were actually in last position so it seems they moved up to third.

Regarding the margaritaville house, I don’t understand how they don’t know when they are closing on the sale of a house. Something smells fishy. The way the bragged about the resort in the video was like an ad for the resort…like they’re trying to promote it so that people will book to stay their in their house…coz they’re so famous y’all and everyone wants to stay in their property! There are thousands of vacation homes in Florida…not everyone wants to spend high prices to stay in Margaritaville….which is a party resort and not to everyone’s liking.

No updates from the Rich family on Ig about summit. Does Kendal think we don’t know how to find results online or is she just pissed that Kapri didn’t win?
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Southern_walker »

I might be missing something, but since when did re financing LOWER your monthly payment?! That’s not how it works.
Refinancing raises your monthly payments in order to pull the profit out of your home as cash. People typically do this for huge remodels.
For example, if K&D refinanced from 715k to 1M, the monthly payments would go up to the new, higher number. The thing is, they’d then pull nearly 300k out as that’s their profit. There’s be no reason to increase their debt/ monthly payments to a million dollar mortgage unless they were remodeling, which they aren’t. Well.. unless Kendal did something crazy like raise the monthly payments on their own house to pull the profit out and spend it on the matagraitaville’s down payment? I’m thinking not likely since it’s clear they’re low on funds.

Also, social blade isn’t reliable at all for income. I’ve watched a YT video about income (Shelby Church, she’s great!) and she showed her actual numbers versus what social blade said. Social blade was WAY off. Like 50 percent off.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by lemonquisha »

disgruntled_pelican wrote: Sun Apr 10, 2022 4:37 am
Seri0usly wrote: Sun Apr 10, 2022 2:15 am First of all you need a 20% down payment for a stated income loan. So they do not owe $715k. And they've managed to earn so much equity on that refrigerator box that they could refinance and bring their monthly payments down.

Secondly, if you go to Social Blade, they got 8M views in the last 30 days. Google says that the average YouTube CPM is $2/1000 views so they made about $16k in the last 30 days.

Thirdly, these people don't have normal expenses. They aren't paying for daycare. If they rent their cars, then they aren't paying for maintenance. They probably have high deductible insurance and that's why they never go to the doctor. They aren't saving for their kids' education and they probably don't have student loans. If you Google the average costs of AllStar Cheer it ranges from $5k-10k per kid per year including new uniforms, travel, tumbling and private lessons. That's still way less than average daycare costs in the US and the kids don't do anything else. I'd estimate homeschool curriculum costs at less than $100 per kid per year. They're probably also taking the small business deduction which means that they are paying a lot less in taxes than the average W-2 earner and everything they spend on the channel is a business expense and they aren't paying taxes on it.

Lastly, did Daniel fill out a couple of applications? Or did he hire a head hunter? Or is he filling out applications day and night, you know between caring for the boys and going to the pool and randomly showing up at Disney World? How serious is this job search?

Kendal might act like they are poor if she believes that they are poor but what she believes and what might actually be true could be two different things. Also, it sounds like they are cutting back on things that Daniel has always seemed a tad pissy about.
Just curious but why are you SO adamant Kendal is a dope about money and Daniel is the one running things into the ground? You seem highly defensive of Kendal and her reckless and impulsive spending habits. I don’t think either of them are good with money but you completely absolve Kendal from any fault and chalk her up to be some idiot who doesn’t know how a credit card works.

Let’s say they ARE making 16k/month. That’s a little under $200k a year. Not bad money at all but for a family of 7 with their spending habits it doesn’t go as far as you think it would.

They also OWN their cars- they’ve said so multiple times. So don’t make assumptions about their lifestyle to prove a point because you are incorrect. Also, all-star cheerleading can be as expensive as 3k per cheerleader a MONTH. With the girls doing private lessons weekly I would not be shocked if this is closer to their actual spend. And even if your estimate of 5-10k a year is accurate, that’s still 15-30k a year on cheer. Not chump change in the least.

Why would they save on daycare costs when not one of those kids is of daycare age? They’d all be going to traditional public school, which is free.

We have NO insight into what Danny boy is doing in terms of applying to jobs because they don’t film it or talk about it, so we have no idea how much he’s doing on that front. For all we know he could be actively interviewing.

The homeschool curriculum they use is the good and the beautiful. A quick Google search shows you the cost of the full year curriculum is more than $100 per kid. Even if there’s some sort of tax deduction it’s still an expense compared to FREE public school.

All in all this family is not making the money you think they are. They might be financially OK day to day but long term they won’t be. And Kendal and her spending is just as much to blame as anyone about their situation. Daniel is an idiot in his own right but he doesn’t spend the way she does.
period sis ^
Also SOCIAL BLADE ISNT ACCURATE AT ALL. Yall check out YouTube Shelby church if you wanna see. She shows her actual income versus social blade’s estimate and it’s WAY off
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Glass Half Full »

lemonquisha wrote: Sun Apr 10, 2022 1:54 pm
disgruntled_pelican wrote: Sun Apr 10, 2022 4:37 am

Just curious but why are you SO adamant Kendal is a dope about money and Daniel is the one running things into the ground? You seem highly defensive of Kendal and her reckless and impulsive spending habits. I don’t think either of them are good with money but you completely absolve Kendal from any fault and chalk her up to be some idiot who doesn’t know how a credit card works.

Let’s say they ARE making 16k/month. That’s a little under $200k a year. Not bad money at all but for a family of 7 with their spending habits it doesn’t go as far as you think it would.

They also OWN their cars- they’ve said so multiple times. So don’t make assumptions about their lifestyle to prove a point because you are incorrect. Also, all-star cheerleading can be as expensive as 3k per cheerleader a MONTH. With the girls doing private lessons weekly I would not be shocked if this is closer to their actual spend. And even if your estimate of 5-10k a year is accurate, that’s still 15-30k a year on cheer. Not chump change in the least.

Why would they save on daycare costs when not one of those kids is of daycare age? They’d all be going to traditional public school, which is free.

We have NO insight into what Danny boy is doing in terms of applying to jobs because they don’t film it or talk about it, so we have no idea how much he’s doing on that front. For all we know he could be actively interviewing.

The homeschool curriculum they use is the good and the beautiful. A quick Google search shows you the cost of the full year curriculum is more than $100 per kid. Even if there’s some sort of tax deduction it’s still an expense compared to FREE public school.

All in all this family is not making the money you think they are. They might be financially OK day to day but long term they won’t be. And Kendal and her spending is just as much to blame as anyone about their situation. Daniel is an idiot in his own right but he doesn’t spend the way she does.
period sis ^
Also SOCIAL BLADE ISNT ACCURATE AT ALL. Yall check out YouTube Shelby church if you wanna see. She shows her actual income versus social blade’s estimate and it’s WAY off
For the people who reckon they earn 200k per year I think you’re living on cloud nine. I know what my family earns and we live in one of the most expensive countries in the world and on our salary (which isn’t 200k) we have an amazing life and can travel on holidays multiple times a year to where ever in the world we want to go. And we have our kids in sports (high level) and we have garden furniture. And we own our cars and have mortgages. I don’t reckon the Riches earn more than 100k per year.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by lemonquisha »

Glass Half Full wrote: Mon Apr 11, 2022 1:02 am
lemonquisha wrote: Sun Apr 10, 2022 1:54 pm
period sis ^
Also SOCIAL BLADE ISNT ACCURATE AT ALL. Yall check out YouTube Shelby church if you wanna see. She shows her actual income versus social blade’s estimate and it’s WAY off
For the people who reckon they earn 200k per year I think you’re living on cloud nine. I know what my family earns and we live in one of the most expensive countries in the world and on our salary (which isn’t 200k) we have an amazing life and can travel on holidays multiple times a year to where ever in the world we want to go. And we have our kids in sports (high level) and we have garden furniture. And we own our cars and have mortgages. I don’t reckon the Riches earn more than 100k per year.
I personally was talking about summer 2019 when I said they made that much. I know they’re definitely barely at 100k right ab now lol
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Glass Half Full »

Ok, so I’ve only made it through 8 mins of the summit vlog and here are my observations until now

The other mothers hug Kendal with zero enthusiasm. It’s like they feel they have to, but don’t want to. That’s probably because they don’t like her

They talked about a boy called Ryan being an import from New Jersey. I don’t understand how that works…how does he train with the team if he lives in New Jersey

Myella is on the Y4 crush team….so like someone here said before, Flip City stacks its teams with girls from the higher levels. To the best of my knowledge, Myella has not yet competed with the Y2 team. So seemingly she was used because she has higher level skills and this can increase the raw score of Y2.

Having watched Kapri’s team I wasn’t overly enthusiastic. They were fine. I mean apparently they had no mistakes which is great. And I know they are level 2 so definitely basic, but I just didn’t feel they were very “polished”. So I can see how they could be beaten.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Glass Half Full »

Finished the vlog. The routine definitely seemed better on day 2. Kendal is clearly the annoying mother who is over zealous and can’t separate herself from the team. The other mothers are less emotional and level headed.
Kapri has improved in her skill level but her skills are far from perfect as Kendal keeps claiming. Bent legs, bent arms, feet and legs apart…..just as well she’s not a gymnast or she’d be hammered for execution faults.

That all aside, well done Kapri on placing 3rd. At least you had some competition….unlike many of the other teams
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Kitkat1023 »

Kap’s jumps are atrocious. She barely lifts her legs up for a toe touch. She is not flexible at all and I am surprised her coaches aren’t working on her flexibility.

I hate watching teams that clearly stack higher level athletes to gain points. Kap’s team is large no need to do that for the other actual level 2 athletes. Let them perform and see where they place. So without these higher level cheerleaders in level 2 they would have placed much worse?

I don’t like this gym at all. I would be upset as a parent if you dragged me all the way to Myrtle beach spent all that money on gas and lodging and competed in a comp that had at most 10 teams compete all day.


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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Glass Half Full »

Kitkat1023 wrote: Tue Apr 12, 2022 3:56 am Kap’s jumps are atrocious. She barely lifts her legs up for a toe touch. She is not flexible at all and I am surprised her coaches aren’t working on her flexibility.

I hate watching teams that clearly stack higher level athletes to gain points. Kap’s team is large no need to do that for the other actual level 2 athletes. Let them perform and see where they place. So without these higher level cheerleaders in level 2 they would have placed much worse?

I don’t like this gym at all. I would be upset as a parent if you dragged me all the way to Myrtle beach spent all that money on gas and lodging and competed in a comp that had at most 10 teams compete all day.


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Right! I mean two of the flip city teams had absolutely NO competition…they were the onLy teams to compete in their category. And after all this, flip city goes home with four summit banners. And this is how they attract their new members and why Evie was in awe of all these banners during her trial. She probably had no idea that often these banners are earned because FC was the only one team in the competition!

If I were a parent I’d for sure be angry at the expense of a trip like that.

I just looked it up and if this is accurate, each family could pay 10k per year on a child to do cheer between ordinary practice, extra practice, private lessons, uniforms, competition fees and travel expenses. Cheer isn’t a thing in this country but I do know what the top level gymnasts pay and it’s half that amount. And these gymnasts get college scholarships and to travel (paid for by the national federation) to compete at international competition like Europeans, Worlds or the Olympics. So for ca. 5000 per year a gymnast in this country could actually gain something. I cannot fathom why, if the amount is accurate, the Rich family could potentially pay 30,000 usd per year on their daughters to do low level sport with no prospects when they miss out on so much more like vacations, furniture, home renovations, new cars. It just doesn’t make any financial sense to me.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Glass Half Full »

Kitkat1023 wrote: Tue Apr 12, 2022 3:56 am Kap’s jumps are atrocious. She barely lifts her legs up for a toe touch. She is not flexible at all and I am surprised her coaches aren’t working on her flexibility.

I hate watching teams that clearly stack higher level athletes to gain points. Kap’s team is large no need to do that for the other actual level 2 athletes. Let them perform and see where they place. So without these higher level cheerleaders in level 2 they would have placed much worse?

I don’t like this gym at all. I would be upset as a parent if you dragged me all the way to Myrtle beach spent all that money on gas and lodging and competed in a comp that had at most 10 teams compete all day.


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And yes, her jumps are atrocious!
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by lemonquisha »

Glass Half Full wrote: Tue Apr 12, 2022 5:04 am
Kitkat1023 wrote: Tue Apr 12, 2022 3:56 am Kap’s jumps are atrocious. She barely lifts her legs up for a toe touch. She is not flexible at all and I am surprised her coaches aren’t working on her flexibility.

I hate watching teams that clearly stack higher level athletes to gain points. Kap’s team is large no need to do that for the other actual level 2 athletes. Let them perform and see where they place. So without these higher level cheerleaders in level 2 they would have placed much worse?

I don’t like this gym at all. I would be upset as a parent if you dragged me all the way to Myrtle beach spent all that money on gas and lodging and competed in a comp that had at most 10 teams compete all day.


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Right! I mean two of the flip city teams had absolutely NO competition…they were the onLy teams to compete in their category. And after all this, flip city goes home with four summit banners. And this is how they attract their new members and why Evie was in awe of all these banners during her trial. She probably had no idea that often these banners are earned because FC was the only one team in the competition!

If I were a parent I’d for sure be angry at the expense of a trip like that.

I just looked it up and if this is accurate, each family could pay 10k per year on a child to do cheer between ordinary practice, extra practice, private lessons, uniforms, competition fees and travel expenses. Cheer isn’t a thing in this country but I do know what the top level gymnasts pay and it’s half that amount. And these gymnasts get college scholarships and to travel (paid for by the national federation) to compete at international competition like Europeans, Worlds or the Olympics. So for ca. 5000 per year a gymnast in this country could actually gain something. I cannot fathom why, if the amount is accurate, the Rich family could potentially pay 30,000 usd per year on their daughters to do low level sport with no prospects when they miss out on so much more like vacations, furniture, home renovations, new cars. It just doesn’t make any financial sense to me.
It’s because Kendal lives through her daughters and is desperate to use cheer to fulfill herself. She’d be bored as hell without it because her life lacks substance other than spending, spending, spending. Maybe she could do something wholesome like go to a library. I bet she hasn’t been there in decades LOL
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by disgruntled_pelican »

lemonquisha wrote: Tue Apr 12, 2022 7:20 am
Glass Half Full wrote: Tue Apr 12, 2022 5:04 am

Right! I mean two of the flip city teams had absolutely NO competition…they were the onLy teams to compete in their category. And after all this, flip city goes home with four summit banners. And this is how they attract their new members and why Evie was in awe of all these banners during her trial. She probably had no idea that often these banners are earned because FC was the only one team in the competition!

If I were a parent I’d for sure be angry at the expense of a trip like that.

I just looked it up and if this is accurate, each family could pay 10k per year on a child to do cheer between ordinary practice, extra practice, private lessons, uniforms, competition fees and travel expenses. Cheer isn’t a thing in this country but I do know what the top level gymnasts pay and it’s half that amount. And these gymnasts get college scholarships and to travel (paid for by the national federation) to compete at international competition like Europeans, Worlds or the Olympics. So for ca. 5000 per year a gymnast in this country could actually gain something. I cannot fathom why, if the amount is accurate, the Rich family could potentially pay 30,000 usd per year on their daughters to do low level sport with no prospects when they miss out on so much more like vacations, furniture, home renovations, new cars. It just doesn’t make any financial sense to me.
It’s because Kendal lives through her daughters and is desperate to use cheer to fulfill herself. She’d be bored as hell without it because her life lacks substance other than spending, spending, spending. Maybe she could do something wholesome like go to a library. I bet she hasn’t been there in decades LOL
EXACTLY what Lemon said. Kendal is using cheer to give herself purpose and to fill a void. The expense doesn’t matter to her because it gives her an identity and without it she’d be nothing. It’s the same as her being a “homeschool mom”. She relies on that to give her a sense of self. If the kids went to school she’d be a “regular” mom and she can’t have that! If the kids weren’t in cheer, she’d have nothing to do.

Agree with you, Glass. It’s strange to me they would spend SO much time and money on cheer when in 4 years both Brin and EV won’t be doing it anymore. Neither will be elite enough to earn a scholarship, so what’s the point? Can’t they cheer for free or maybe a few hundred bucks a month (total for all 3 girls) at a recreational gym? Make it make sense.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Bear »

Glass Half Full wrote: Tue Apr 12, 2022 5:04 am
Kitkat1023 wrote: Tue Apr 12, 2022 3:56 am Kap’s jumps are atrocious. She barely lifts her legs up for a toe touch. She is not flexible at all and I am surprised her coaches aren’t working on her flexibility.

I hate watching teams that clearly stack higher level athletes to gain points. Kap’s team is large no need to do that for the other actual level 2 athletes. Let them perform and see where they place. So without these higher level cheerleaders in level 2 they would have placed much worse?

I don’t like this gym at all. I would be upset as a parent if you dragged me all the way to Myrtle beach spent all that money on gas and lodging and competed in a comp that had at most 10 teams compete all day.


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Right! I mean two of the flip city teams had absolutely NO competition…they were the onLy teams to compete in their category. And after all this, flip city goes home with four summit banners. And this is how they attract their new members and why Evie was in awe of all these banners during her trial. She probably had no idea that often these banners are earned because FC was the only one team in the competition!

If I were a parent I’d for sure be angry at the expense of a trip like that.

I just looked it up and if this is accurate, each family could pay 10k per year on a child to do cheer between ordinary practice, extra practice, private lessons, uniforms, competition fees and travel expenses. Cheer isn’t a thing in this country but I do know what the top level gymnasts pay and it’s half that amount. And these gymnasts get college scholarships and to travel (paid for by the national federation) to compete at international competition like Europeans, Worlds or the Olympics. So for ca. 5000 per year a gymnast in this country could actually gain something. I cannot fathom why, if the amount is accurate, the Rich family could potentially pay 30,000 usd per year on their daughters to do low level sport with no prospects when they miss out on so much more like vacations, furniture, home renovations, new cars. It just doesn’t make any financial sense to me.
Playing Devil’s advocate coming from the cheer world, the teams that didn’t compete against anyone aren’t super common. It is hard for most gyms to have tiny 1, mini 2, or youth 4 because those athletes are typically funneled into a mini/youth 1, youth 2, or junior 3. Youth 2, Junior 2, Junior 3 are the divisions “most” gyms have. Also remember that this was regional summit so the only teams that could attend had to have received a bid. Hence why this regional summit had limited gyms and teams present. Also cross competing is super common in the allstar cheer world. Worlds level athlete (level 6) drop down to level 4 teams to compete at Summit all the time.

Yes they did need to clean up the little things and they probably could have had a higher raw score but that’s the on the coaches to fix not the girls. I do think they have one of the higher scoring Youth 2 routines in the country. They can only do so much based on their level. I was pretty impressed watching the whole routine.

In regards to the cost of cheer, it is a well known fact in the all star cheer world that it is expensive. If it is too expensive there are prep levels and rec cheer. At the end of the day most parents know that allstar cheer does not have a return on investment (other than your child’s happiness). I’m pretty sure that is why Emma (Emma Marie YT) gave up allstar cheer at 16. There are few college opportunities and even fewer that have scholarships available since cheer is not recognized by the NCAA. But not every child who plays travel baseball/softball makes it to college, like any sport not everyone will move on to the next level. I understand a lot of people are invested in the Rich Family’s finances, but if this makes their girls happy all power to them (and Sebi with his soccer). Honestly because they are homeschooled it’s good that they have some team sport activities.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Seri0usly »

disgruntled_pelican wrote: Sun Apr 10, 2022 4:37 am
Seri0usly wrote: Sun Apr 10, 2022 2:15 am First of all you need a 20% down payment for a stated income loan. So they do not owe $715k. And they've managed to earn so much equity on that refrigerator box that they could refinance and bring their monthly payments down.

Secondly, if you go to Social Blade, they got 8M views in the last 30 days. Google says that the average YouTube CPM is $2/1000 views so they made about $16k in the last 30 days.

Thirdly, these people don't have normal expenses. They aren't paying for daycare. If they rent their cars, then they aren't paying for maintenance. They probably have high deductible insurance and that's why they never go to the doctor. They aren't saving for their kids' education and they probably don't have student loans. If you Google the average costs of AllStar Cheer it ranges from $5k-10k per kid per year including new uniforms, travel, tumbling and private lessons. That's still way less than average daycare costs in the US and the kids don't do anything else. I'd estimate homeschool curriculum costs at less than $100 per kid per year. They're probably also taking the small business deduction which means that they are paying a lot less in taxes than the average W-2 earner and everything they spend on the channel is a business expense and they aren't paying taxes on it.

Lastly, did Daniel fill out a couple of applications? Or did he hire a head hunter? Or is he filling out applications day and night, you know between caring for the boys and going to the pool and randomly showing up at Disney World? How serious is this job search?

Kendal might act like they are poor if she believes that they are poor but what she believes and what might actually be true could be two different things. Also, it sounds like they are cutting back on things that Daniel has always seemed a tad pissy about.
Just curious but why are you SO adamant Kendal is a dope about money and Daniel is the one running things into the ground? You seem highly defensive of Kendal and her reckless and impulsive spending habits. I don’t think either of them are good with money but you completely absolve Kendal from any fault and chalk her up to be some idiot who doesn’t know how a credit card works.

Let’s say they ARE making 16k/month. That’s a little under $200k a year. Not bad money at all but for a family of 7 with their spending habits it doesn’t go as far as you think it would.

They also OWN their cars- they’ve said so multiple times. So don’t make assumptions about their lifestyle to prove a point because you are incorrect. Also, all-star cheerleading can be as expensive as 3k per cheerleader a MONTH. With the girls doing private lessons weekly I would not be shocked if this is closer to their actual spend. And even if your estimate of 5-10k a year is accurate, that’s still 15-30k a year on cheer. Not chump change in the least.

Why would they save on daycare costs when not one of those kids is of daycare age? They’d all be going to traditional public school, which is free.

We have NO insight into what Danny boy is doing in terms of applying to jobs because they don’t film it or talk about it, so we have no idea how much he’s doing on that front. For all we know he could be actively interviewing.

The homeschool curriculum they use is the good and the beautiful. A quick Google search shows you the cost of the full year curriculum is more than $100 per kid. Even if there’s some sort of tax deduction it’s still an expense compared to FREE public school.

All in all this family is not making the money you think they are. They might be financially OK day to day but long term they won’t be. And Kendal and her spending is just as much to blame as anyone about their situation. Daniel is an idiot in his own right but he doesn’t spend the way she does.
Honestly, none of it makes any sense to me. When they say that Evie needs to get a job because somehow a minimum wage job at the mall or a pool is going to offset the money from not filming six days a week? Like what? How are you listening this? I don't even believe that Daniel's income is going to offset a significantly more relaxed video schedule. How do you believe anything this family says? So yeah, I believe a total stranger with a tiny smattering of data over their usual brand of nonsense.

I'm comparing cheer to daycare because that's a normal expense many families have. I'm saying that their expenses are still less than a normal family with five kids. Also, they only use the language arts component of The Good and the Beautiful. And I only remember seeing them using the language arts work book which is about $25. I think they use Amazon workbooks for math and they don't seem to do other subjects. If the kids went to public school, they'd probably spend more money on gas while waiting in the carpool lane. Thirty minutes of idling at three different schools, X2 day, 5 days a week.

And, yes, I'm blaming Daniel because while they're both incompetent, he's the one who pretends to be the adult. Kendal is fifteen in her own head.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Seri0usly »

Southern_walker wrote: Sun Apr 10, 2022 1:51 pm I might be missing something, but since when did re financing LOWER your monthly payment?! That’s not how it works.
Refinancing raises your monthly payments in order to pull the profit out of your home as cash. People typically do this for huge remodels.
For example, if K&D refinanced from 715k to 1M, the monthly payments would go up to the new, higher number. The thing is, they’d then pull nearly 300k out as that’s their profit. There’s be no reason to increase their debt/ monthly payments to a million dollar mortgage unless they were remodeling, which they aren’t. Well.. unless Kendal did something crazy like raise the monthly payments on their own house to pull the profit out and spend it on the matagraitaville’s down payment? I’m thinking not likely since it’s clear they’re low on funds.

Also, social blade isn’t reliable at all for income. I’ve watched a YT video about income (Shelby Church, she’s great!) and she showed her actual numbers versus what social blade said. Social blade was WAY off. Like 50 percent off.
You refinance at a lower rate then you pay off your high interest stated income loan with the money from your refi. Your payments are lower because you are paying less in interest. It's sort of like the balance transfer scheme that people do when they're trying to manage their credit card debt.

Some people also pull equity out of their home to pay off other high interest debt because it's at a lower interest rate or they invest the money if they think they can beat the interest rate. But I can't see the Riches using either of these strategies successfully.

And, yeah, I would believe most outside data before I would believe the Riches. We know they lie and their lies don't make any sense.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Seri0usly »

Glass Half Full wrote: Mon Apr 11, 2022 1:02 am
lemonquisha wrote: Sun Apr 10, 2022 1:54 pm
period sis ^
Also SOCIAL BLADE ISNT ACCURATE AT ALL. Yall check out YouTube Shelby church if you wanna see. She shows her actual income versus social blade’s estimate and it’s WAY off
For the people who reckon they earn 200k per year I think you’re living on cloud nine. I know what my family earns and we live in one of the most expensive countries in the world and on our salary (which isn’t 200k) we have an amazing life and can travel on holidays multiple times a year to where ever in the world we want to go. And we have our kids in sports (high level) and we have garden furniture. And we own our cars and have mortgages. I don’t reckon the Riches earn more than 100k per year.
Recently, there was a break down of an American family who makes $500k a year and barely able to save anything. It's been making a lot of news. Many people who bring home a lot less money are absolutely outraged. If you compare their budget to the Riches, though, you can see how few fixed expenses the Riches have. It's the fixed expenses that will kill you in this country, not the impulse spending.

https://www.financialsamurai.com/scrapi ... truggling/
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Swiss Miss »

Seri0usly wrote: Tue Apr 12, 2022 8:37 pm
Glass Half Full wrote: Mon Apr 11, 2022 1:02 am

For the people who reckon they earn 200k per year I think you’re living on cloud nine. I know what my family earns and we live in one of the most expensive countries in the world and on our salary (which isn’t 200k) we have an amazing life and can travel on holidays multiple times a year to where ever in the world we want to go. And we have our kids in sports (high level) and we have garden furniture. And we own our cars and have mortgages. I don’t reckon the Riches earn more than 100k per year.
Recently, there was a break down of an American family who makes $500k a year and barely able to save anything. It's been making a lot of news. Many people who bring home a lot less money are absolutely outraged. If you compare their budget to the Riches, though, you can see how few fixed expenses the Riches have. It's the fixed expenses that will kill you in this country, not the impulse spending.

https://www.financialsamurai.com/scrapi ... truggling/
I’m not questioning their income per se (though I don’t think it’s as high as they lead us to believe), I’m questioning WHY they spend what they spend on cheer. Above (Kitkat I think) said fair play to them for keeping their children happy and to a certain extent I agree but it shouldn’t be at the expense of others in the family or other things. A child’s happiness should not be bought. If their children were seriously talented athletes with the potential of college scholarships or competing at high level international competitions or getting sponsorships then I can almost justify a financial strain for future gain but these kids don’t have any of that potential and they’re outlaying thousands of usd per year when they could just be mature and say I’m sorry, but we can’t afford this. These kids will enter their adult lives with a very basic education and the idea that they can just spend money on whatever makes them happy. And that’s not healthy.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by disgruntled_pelican »

Honestly, none of it makes any sense to me. When they say that Evie needs to get a job because somehow a minimum wage job at the mall or a pool is going to offset the money from not filming six days a week? Like what? How are you listening this? I don't even believe that Daniel's income is going to offset a significantly more relaxed video schedule. How do you believe anything this family says? So yeah, I believe a total stranger with a tiny smattering of data over their usual brand of nonsense.

I'm comparing cheer to daycare because that's a normal expense many families have. I'm saying that their expenses are still less than a normal family with five kids. Also, they only use the language arts component of The Good and the Beautiful. And I only remember seeing them using the language arts work book which is about $25. I think they use Amazon workbooks for math and they don't seem to do other subjects. If the kids went to public school, they'd probably spend more money on gas while waiting in the carpool lane. Thirty minutes of idling at three different schools, X2 day, 5 days a week.

And, yes, I'm blaming Daniel because while they're both incompetent, he's the one who pretends to be the adult. Kendal is fifteen in her own head.
[/quote]

LOL. Nobody is claiming EV is getting a job to help with the family finances. She’s getting a job because she can and she wants to + so she can make money and spend it like her mama. Kendal also said their filming schedule wasn’t going to change so his income WILL be supplemental and WILL help offset the costs of their ridiculous expenses.

If they went to public school they’d probs take the bus. EV would probably get a ride with her friends.

Kendal is an adult whether she acts like it or not and BOTH of them have played a part in their downfall.

Geez you’re making me defend this family and I hate it lol.
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by lemonquisha »

gurl if Kendal was seriously making 200k+ per year we’d see it. she’s spendy and stupid as hell with money: it would be BLATANTLY obvious. She’s be at designer stores, the mall, expensive food places ALL THE DAMN TIME if she had that kind of money. She’d even buy a new car which she’s repeatedly said she wants an SUV. if she made 200k and had the cash for a $1000 lease on something flashy, she’d frickin do it- hunni can’t help herself.
She isn’t doing this, she doesn’t have the money.
I ain’t defending her, i rant and criticize her ass all the time 😂
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Re: It’s R Life - Part 2: Buying, Lying, and Rudely Replying

Unread post by Southern_walker »

lemonquisha wrote: Wed Apr 13, 2022 6:28 am gurl if Kendal was seriously making 200k+ per year we’d see it. she’s spendy and stupid as hell with money: it would be BLATANTLY obvious. She’s be at designer stores, the mall, expensive food places ALL THE DAMN TIME if she had that kind of money. She’d even buy a new car which she’s repeatedly said she wants an SUV. if she made 200k and had the cash for a $1000 lease on something flashy, she’d frickin do it- hunni can’t help herself.
She isn’t doing this, she doesn’t have the money.
I ain’t defending her, i rant and criticize her ass all the time 😂

100 PERCENT!!! FACTS LEMON. Are we not watching the same Kendal as this girl? We all know how Kendal acts around money. Anyone who’s been watching the last couple years knows how Kendal is. If she had it, she’d spend it and be flashy. That’s just how she is. Since she isn’t showing to have it, in her case, it must mean she doesn’t.
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