- 5/26/2025
My 10 WORST Money Mistakes (so far…)
Category
📚
LearningTranscript
00:00You've probably heard some version of the quote,
00:02there are no mistakes or failures, only lessons.
00:06The greatest teacher failure is.
00:10And cheesy as it might be, it is true.
00:12We really do learn from our mistakes,
00:15but we can also learn from other people's mistakes.
00:18Like one of my friends accidentally left her dog home alone without the lights on,
00:22so she didn't turn any lights on.
00:24When she got back, it was dark and the dog, because he was pissed off,
00:27he pooped in her bed.
00:28And to make matters worse, she only discovered that he had pooped in her bed
00:32when she went to bed and she laid in it.
00:35But hey, I learned something because now I know if I'm ever going to leave my dog
00:38and it's going to get dark, make sure that a light is on
00:41or I'm going to get a poopy mattress.
00:43Because personally, I'm not a fan of sleeping in poop.
00:46I know, that's a crazy take.
00:48I just, I'm just so quirky for thinking that.
00:50But okay, poopy mattresses aside,
00:52I'm hoping to extend my metaphor to share with you guys
00:55my version of the angry dog mistakes
00:58in hopes that you guys can learn from them.
01:00More specifically, I want to share with you guys
01:02my top 10 worst financial mistakes in my 20s so far.
01:06Saying so far because as of this month in July,
01:09I have now turned 28 years old.
01:11So still in the 20s, but you know, creeping up there.
01:14And your 20s are such a pivotal time in your life for so many reasons.
01:18There's usually a lot of change, whether it's graduating college,
01:21first job, first move, first big relationships.
01:24But the biggest thing I've noticed in my 20s
01:26is just that feeling of, oh shoot, it's on me now.
01:30I'm lucky enough that I do have parents I can call
01:32when I don't know how to get a car inspection
01:34or whatever other adult task needs doing.
01:37But there's still a weight of independence
01:39that I've never had before.
01:41Financially, this is huge for people.
01:43Your 20s might be the first time
01:45you have actual control over your own money.
01:47Unfortunately, or fortunately,
01:49it's also the time in adulthood
01:51that can have the biggest positive impact
01:53on your financial future if you do it right.
01:56I say unfortunately because it does kind of suck
01:58that the time in your life where you probably know the least
02:01is also the time where it's going to make the most impact
02:04to do the right steps, but c'est la vie.
02:07By the way, even if your 20s are behind you,
02:09I still think that these tips are really useful to hear.
02:12I've seen a lot of folks on financial forums
02:14say they're sad because I'm starting too late,
02:16but that is a load of crap most of the time.
02:18For one, these people usually aren't even old.
02:21And even if you are older, say you're 75 years old,
02:24these money mistakes are still incredibly relevant.
02:27If we wanna throw another cheesy quote in the mix,
02:29how about this one?
02:30The best time to plant a tree was 20 years ago.
02:33The second best time is now.
02:35So let's start now.
02:37Cheers to better money moves for all of us.
02:39And with that, here are my top 10 money mistakes
02:42that I have made in my 20s.
02:44If you like videos on money and media, by the way,
02:46be sure to subscribe.
02:47I really like making this kind of stuff
02:49and hopefully you guys like watching it.
02:51Okay, so I'm trying to organize these money mistakes
02:53in the logical order of when I first experienced them.
02:56And the first one that I would say I experienced
02:58or money mistake I made was not negotiating my salaries.
03:03Now, my first job out of college was at Disney World,
03:05making $10 an hour.
03:07I was part of the Disney College program.
03:09If anyone watching was also part of it,
03:11let me know your horror stories below.
03:13And there was zero room for negotiating pay.
03:16I'll be honest, it was a very informative time for me
03:18as a new grad to learn about
03:20how restrictive service jobs can be.
03:22I know that sounds wildly out of touch,
03:24but in many ways I was, and in many ways I still am.
03:28But in this job, I was paid $10 an hour with no benefits.
03:31I went weeks without a day off sometimes.
03:34And if I ever wanted to call out sick,
03:35I needed a note from the doctors,
03:37except if I wanna go to the doctor's office
03:39and I was scheduled to work, I'd have to call out.
03:42No winning there.
03:43Anyways, after that job,
03:44I eventually started my career in my current industry
03:47and I was hired at a startup of about 50 people.
03:50I did not negotiate any salary for that one,
03:52in part because I just didn't know how to do that,
03:55but also because I was so desperate for a job.
03:58And then the same thing happened at my current company
04:01when I got hired.
04:02Yes, I got a pay bump, but I didn't negotiate at all
04:04because the recruiter told me,
04:06we don't do negotiations here.
04:07And I believed it, which was dumb.
04:10I eventually found out through talking to other coworkers
04:13that they had negotiated their salaries at the company,
04:16meaning we do allow for negotiations.
04:18I just fell for the line that they didn't.
04:20The problem with this is that negotiations
04:22help set the tone for how you'll be paid in your job
04:25and more broadly, your career.
04:27Me not even asking about say a $10,000 higher base salary
04:31means that I miss out on 10,000 extra dollars a year.
04:35And every time I get a promotion or a raise,
04:38I'm starting at a lower level.
04:40I think that if an offer comes in below what you're expecting
04:43or what you know is appropriate for the market,
04:45it's worth a conversation to see if the company
04:48can meet your amount.
04:49I'm curious what folks think in the comments below
04:51on whether you should always negotiate a salary,
04:53even if the offer is great,
04:55or if there are times where you should just accept
04:58whatever offer you first get.
04:59Personally, I kick myself for not even trying to negotiate
05:02because if anything, building up those skills of negotiation
05:06are just really important for my career.
05:08So that is the first big money mistake of my 20s,
05:11but the next one is rough,
05:13and that is that I did not touch my 401k
05:16or even know about it for years.
05:19Embarrassingly, I didn't even know
05:20what a 401k was for years.
05:22I had this vague notion that,
05:24okay, it's for retirement.
05:26I think old people talk about it.
05:28And call me old because, you know,
05:30I'm talking about it now.
05:31For those who don't know,
05:32a 401k is a type of retirement account
05:34that is sponsored by your employer,
05:36meaning that if you are employed
05:38in a traditional nine-to-five job,
05:40your employer likely allows you to contribute
05:42a portion of your paycheck to a 401k account.
05:45And sometimes your employer will even match
05:47some of your contributions.
05:49That right there is amazing
05:50if you have it offered to you through your company
05:52because it's essentially free money.
05:55So I highly, highly recommend
05:56taking advantage of it if you can.
05:59And 401ks have other great benefits,
06:01like the fact that they let you contribute pre-tax money,
06:04which can help you pay lower taxes that year,
06:06and they give you high contribution limits.
06:09But me, I did not take advantage
06:11of that amazing account for years.
06:14That first startup job I had
06:15had a small contribution percentage set up
06:18that was running in the background,
06:19but I barely knew about it until I left the company.
06:22And even then, it was a very small amount.
06:25By the time I left, the total was around $3,000.
06:27I know that's not awful.
06:29It's certainly better than nothing.
06:31But if I'd known more about the importance
06:33of investing for retirement when you're younger,
06:36I would have contributed a whole lot more.
06:38The problem is that I wasn't thinking about retirement.
06:42And honestly, it's easy when you're young,
06:44whether you're in your 20s, 30s, 40s, 50s,
06:46to think, oh, retirement is so far away.
06:50I don't need to be thinking about that yet.
06:52But that mindset sets our future self up for failure.
06:55I'm not saying that I throw everything
06:57into retirement these days,
06:58but I certainly do it a lot more consistently
07:00and significant contributions
07:02because I want my future self
07:04to be able to enjoy retirement when the time comes.
07:08I'll talk more about the compound interest element
07:10of that later, but it's also just about acknowledging
07:13that a 401k exists in the first place,
07:16something I was not doing.
07:17And another part is making sure that I don't lose track
07:20and accidentally abandon my old 401ks,
07:23which you guessed it, is money mistake number three.
07:27This is something that is not just a me thing.
07:30Unfortunately, it is very much an us thing.
07:33If you have ever worked for more than one company
07:35in your career, there is a very good chance
07:37you are currently making the same money mistake
07:40of accidentally abandoning your old 401k.
07:43For example, at my first startup job,
07:45I had my 401k account I barely knew about
07:47that had $3,000 when I left.
07:50Then at my current job,
07:51I was given a new 401k account with my company
07:54and started investing in it regularly.
07:56But what I didn't do is bring over that old 401k money.
08:00It was like moving homes,
08:01but forgetting a briefcase full of cash in the old safe.
08:04Now that money doesn't disappear,
08:06but if you forget about it,
08:07which I almost did and many others do all the time,
08:11you're throwing out perfectly good money that you earned.
08:14As the New York Times writes in their article,
08:16your old 401k, out of sight, out of mind, and out of money.
08:20Quote, as of June, 2023,
08:22job changers had left behind nearly 30 million 401ks
08:26or similar retirement accounts
08:28worth an estimated $1.65 trillion,
08:32according to Capitalize, a technology company
08:34that offers an online platform
08:36to help transfer 401k accounts.
08:38As CNBC writes in their headline,
08:40quote, one in five Americans have inactive 401ks
08:44worth thousands of dollars.
08:46I don't think I need to spell out
08:47why this is such a disaster of a money move,
08:50and yet it is a mistake that is so easy to make.
08:53For someone like me who barely even knew
08:55what a 401k was,
08:56let alone was tracking all my old accounts,
08:59I had no idea that I was supposed to be rolling over
09:02these old 401ks to make sure they were all in one place.
09:05Luckily, there are really easy ways to do this,
09:08including the company that the New York Times article
09:10mentioned Capitalize, which also happens to be today's sponsor.
09:14Capitalize offers the easiest way
09:16to roll over your old 401ks, and it is completely free.
09:20They help manage the entire process
09:22from finding your old 401k, to picking a new IRA,
09:25to dealing with your 401k provider for you.
09:28And if you're like, wait a second,
09:29why don't I have to pay these guys?
09:31First off, love that you're asking that,
09:32always ask questions like that.
09:34And two, Capitalize is able to keep
09:36their rollover service free because they're paid
09:38when you open an IRA with one of their preferred partners.
09:41If you think or know that you have an old 401k account
09:44floating out there and you need to roll them over,
09:47Capitalize is honestly such a fantastic service to use.
09:50Rolling an old 401k into an IRA provides really great visibility
09:54into your investments and fees, but it can be very tedious.
09:58It can mean calling old employers, faxing documents,
10:01trying to collect checks and hope that they don't get lost
10:04in the mail, but Capitalize does this all for you
10:06so that you can save time, ensure that everything
10:08is done properly, and you can have peace of mind
10:11that your retirement money is found and growing.
10:14I cannot stress how important it is to not become part
10:17of that group of 401k abandoners.
10:19So if you want to avoid my previous money mistake,
10:21go to highcapitalize.com slash Kara
10:24to roll over your 401k for free today.
10:27And a huge thank you to Capitalize
10:29for sponsoring today's video.
10:30All right, so my next money mistake
10:32is a point of embarrassment for me,
10:34especially as I've learned more about personal finance,
10:36but I'm guessing that a lot of other people
10:38watching this video are in the same boat
10:41and are doing the same exact thing.
10:42And that is that I stockpiled cash for so long
10:46and never invested it.
10:48The problem here is that cash is not always king,
10:51at least when it comes to long-term wealth building.
10:54Yes, I want to have an emergency fund
10:56of three to six months of expenses.
10:58Yes, if I'm saving up for a big upcoming expense,
11:00like a down payment or a sabbatical,
11:02I'll probably want to have that
11:04in a high yield savings account.
11:05But everything after that,
11:07I should not have been hoarding in a checking account.
11:09Because at inflation's historical average
11:11of 3.3% a year,
11:13money that's sitting as cash is losing value every year.
11:17In other words, a dollar today
11:19is worth more than a dollar in a year.
11:22So what I should have been doing is investing that money
11:24because that is how I could hedge against inflation.
11:27Now, I already told you guys
11:29that I was bad at investing in my 401k for years,
11:32but it was not just my 401k.
11:34I was just bad at investing in general.
11:36As in, I didn't do it.
11:37I knew I should on this high concept level,
11:40but I didn't really know what it meant to invest.
11:43Actually, my next video will be all about investing.
11:46I'm gonna talk about what I mean when I say to invest
11:48and then how and where I personally invest.
11:51And I wanna do that
11:51because I remember being so confused by the whole thing
11:55to the point where I just avoided any part of investing
11:58in the first place.
11:59I instead just let my cash reserves stack higher and higher
12:02in my bank account.
12:03I was like a chipmunk stashing away all my acorns.
12:09It sounds crazy, but I managed to save $100,000
12:13before I finally, finally started looking into how to invest
12:17and then started investing.
12:19And once I did, I was pretty bummed
12:21to not have started sooner
12:22because just like with the 401k situation,
12:25I realized that I'd missed years
12:26of amazing compound interest.
12:28And it's that underestimating of compound interest
12:31that lands me my next major money mistake.
12:34You see, the younger you can invest,
12:35the more years you have to take advantage
12:37of that sweet, sweet market growth.
12:40Money Guy has an awesome article
12:42on the idea of a wealth multiplier
12:44that shows you how powerful your age can be
12:46when it comes to how hard your money works.
12:49In their chart, you can see how at 20 years old,
12:51you only have to invest $95 a month
12:54to become a millionaire by 65.
12:56But by 30, it jumps to $340 a month.
12:59By 50, you're looking at needing to invest
13:01over $3,000 a month to be a millionaire by 65.
13:05I joke a lot on this channel
13:07that I love the compound interest calculator,
13:09but jokes aside, the love is real.
13:11Simply playing around with the calculator
13:13and understanding how my investments today
13:16will snowball into millions later in my life
13:18has been such a motivator for me.
13:21Like I said earlier in this video,
13:23it doesn't mean scraping by and living off just ramen
13:25so that I can increase my savings rate,
13:28but instead, it's a reframing
13:29of what that money is going to.
13:31Instead of some nebulous concept
13:33of compound interest or retirement,
13:35I can think in real numbers what my money is becoming
13:38and how that equals buying back my time and freedom.
13:41That being said, admittedly, it's been a struggle for me
13:45to get comfortable not going full squirrel mode
13:47and tucking away every dollar I earn.
13:49And that brings me to my sixth money mistake,
13:52which is worrying way too much about tiny expenses,
13:55especially while I'm on vacation.
13:57Now, there's a balance to strike here, no doubt.
14:00I don't wanna be someone who doesn't think at all
14:02about where her money is going
14:03and I wanna spend intentionally,
14:05but I've definitely had times in my 20s
14:08where the pendulum has swung way too hard
14:10the other direction,
14:11and I've been a Scrooge McDuckin to myself,
14:14obsessing over whether I should spend
14:16an extra $20 on this or that,
14:18and feeling stressed out if I spend money on something fun
14:21that I wasn't originally planning for.
14:23I've noticed this happens especially when I'm on vacation,
14:26and I think it's because I already know
14:28that the trip is costing me more than my daily expenses
14:31because I'm staying in hotels,
14:33I'm eating out more, et cetera.
14:35Whether this is a surprise to anyone or not,
14:37I have been, and still often am,
14:39uncomfortable with spending money.
14:41But what I've learned in my 20s
14:43is that money is and should be used as a tool.
14:46Yes, it can be a tool for financial freedom one day,
14:49but it can also be a tool right now
14:51to help me create fantastic memories for myself.
14:54There's a concept in the book Die With Zero
14:56called memory dividends,
14:58which is the enjoyment and fulfillment you get
15:00from an experience even after the experience itself.
15:03As author Bill Perkins explains,
15:05quote,
15:06Buying an experience doesn't just buy you the experience itself.
15:09It also buys you the sum of all the dividends
15:12that experience will bring you for the rest of your life.
15:15Perkins also frames it within the concept
15:17of compounding interest, saying,
15:19quote,
15:19Due to compounding,
15:20your financial savings don't just add up.
15:23They begin to snowball.
15:24And the same thing can happen with your memory dividends.
15:27They also can and will compound.
15:29This happens whenever you share the memory
15:31of the experience with other people.
15:33This is something that I've been working to internalize myself,
15:36and I think I have gotten better about it over the years,
15:39because I don't want to feel a Scrooge McDuckin tantrum inside of me
15:42if I decide that getting fancy gelato while I'm in Italy
15:45sounds like a great idea.
15:47I want to feel joy that I'm using my money for an experience,
15:51not overboard to the point where I'm straining my budget,
15:54but also not holding my purse strings with a death grip.
15:57Though I say that,
15:58there are definitely times where I probably should have held on
16:01to the purse strings a little bit tighter.
16:04And that brings me to my seventh money mistake,
16:06which is impulse shopping and shopping as entertainment.
16:10Maybe this comes as a surprise to folks
16:11who have seen my other videos
16:13and that I'm always preaching about conscious consumption,
16:15but hey, I had to start somewhere.
16:17And so much of what I talk about in my videos
16:20when it comes to our relationships with money and spending
16:23comes from my own personal experience,
16:26feelings I've had before and sometimes still do.
16:28And while I still certainly shop and sometimes buy something impulsively,
16:32I was a whole lot worse in my early 20s,
16:35especially right after college and during the pandemic.
16:39Right after college, when I was working at Disney
16:41and feeling stressed a lot,
16:42me and my roommate would go to Target or TJ Maxx for fun.
16:46That was our form of entertainment.
16:48And you know what?
16:49I loved it.
16:50I loved impulsively buying random stuff
16:52that I did not need or truly want.
16:55Things that looked cool and felt cheap,
16:56so I'd buy them.
16:58And clothing-wise,
16:59I definitely prioritized quantity over quality back then.
17:02My closet was massive.
17:04But then I remember watching Marie Kondo's show on Netflix
17:07along with the fast fashion documentary,
17:10The True Cost,
17:10and something clicked in my brain.
17:13It was such a 180 for me
17:14because I went from going shopping for clothes every week or two
17:17to shopping for clothes every four to six months.
17:20And when I shop now,
17:21it's almost always thrifted.
17:23And you know what?
17:24That one change saved me so much money over the years.
17:28Plus, it reduced my carbon footprint.
17:30Honestly, the mindset shift that I had
17:32from watching those shows was so significant.
17:34And it's a big part of what inspires me
17:37to make the videos that I make now.
17:38Because I like to think that maybe
17:40there's someone out there like me
17:41who reframes their relationship with impulse shopping
17:44or shopping as entertainment
17:45so that it becomes one of utility instead,
17:49which in turn can save you money
17:50for experiences and your financial future.
17:53Speaking of financial future,
17:55let's return to the topic of investing
17:57for my eighth money mistake,
17:59which is all of the dumb, dumb investments
18:01I made at the start of my investing journey.
18:04If you've watched my videos before,
18:06you know that I love me a low-cost index fund.
18:09These are diversified stock portfolios with low costs,
18:12and it's what Warren Buffett
18:13is always recommending for investors.
18:15But low-cost index funds were not always my go-to.
18:19I fell into the trap that so many investors,
18:22especially first-time investors, get sucked into.
18:25And that was thinking that I needed to be
18:27some Wall Street guru or stock picker,
18:29aka picking specific companies to buy stock from,
18:33trying to play the game of buying and selling
18:35on a regular basis to get returns,
18:37and even getting into crypto
18:39because I read it was a good idea on Reddit and Twitter.
18:42I know, I was an absolute stereotype.
18:44And just like the Wall Street bet stereotype,
18:46I was mostly losing money on these investments.
18:49But I get why I was doing this
18:51and why so many others do it.
18:53When we think of investing,
18:55we have some woof of Wall Street image in our mind.
18:58We think of people yelling over each other,
19:00picking stocks or some mastermind
19:02who analyzes the market and sees trends before anyone else.
19:05And then we think, oh, that's what I'm supposed to do.
19:08Uh, no, no, no, no.
19:10Even people who spend every hour in their career
19:13studying this stuff don't get it right.
19:15So unless we're Martha storing it up in here
19:17with some insider trading,
19:19why would we do any better?
19:21I'll talk more about investing in my upcoming video,
19:23but you should know that stock picking in crypto
19:26does not make a good diversified portfolio.
19:29It's risky, it's volatile,
19:31the stats are not in our favor when we do it this way,
19:34which is why nowadays I aim for 5% or less of my portfolio
19:37to be dedicated to these risky or fun investments.
19:41Everything else, low cost index funds, baby.
19:44And guess what?
19:45They have so outperformed my stock picking days.
19:48Big mistake, but lesson learned.
19:51Now my ninth money mistake is adjacent to stock picking
19:53and it is that I am not diversified enough
19:56with my company's stock.
19:57But what's that mean?
19:58So for my nine to five,
19:59I'm paid with a base salary, a bonus,
20:02but I'm also given company stock every single quarter.
20:05So every three months I'm given more stock
20:07and I've worked here for a little over three and a half years.
20:10So I've accumulated a good amount of stock,
20:12but I have never sold a single share.
20:16And now if I worked for a company like Apple or NVIDIA
20:19that has done really well over the years,
20:21this wouldn't be a big issue.
20:23It still wouldn't be diversified and that would be risky,
20:26but my company has performed really poorly in the years.
20:30I won't name what company,
20:31but it has just made it so that I have all my eggs
20:34in one basket.
20:35If I had instead sold that company stock
20:37when I first received it as an RSU
20:39and put it into something like the S&P 500,
20:42I would have been a whole lot richer.
20:44And the issue with this isn't just the fact
20:46that my stock portfolio becomes a lot less diversified
20:48if I have a lot of one stock,
20:50but it's also because my income
20:52is coming from that same company.
20:54So say the company goes out of business tomorrow,
20:56not only do I lose my income with my nine to five,
20:59but all of my stock is now worthless.
21:02That's also why it's important
21:03to have multiple income streams
21:05beyond just your nine to five.
21:06And I'm not saying everyone has to have a side hustle
21:08like a YouTube channel,
21:10but even just having investments
21:11where you're getting dividends and growth every year,
21:14that can be another way that you're building wealth
21:16beyond your nine to five.
21:18And last but not least,
21:19my 10th money mistake of my 20s so far,
21:22drum roll please,
21:24is not being besties with automating my finances sooner.
21:28Not gonna lie, that statement right there
21:29made me sound like some old corporation
21:31trying to sound cool and hip.
21:33Guys, W in the chat for automated finances,
21:34for real, for real, no cap,
21:35auto savings and investments
21:36have serious guilty toiletries.
21:37Okay, backing out of the brain rot for a second,
21:40automating your finances
21:41covers a really wide set of things
21:43from automatic bill payments
21:45to reoccurring investments to automated savings.
21:47And some of these,
21:48I got a handle on earlier than others.
21:50Like setting up my credit cards,
21:51auto payment was the very first thing I did
21:53after getting a credit card.
21:55But in my 20s,
21:56I have not been as good
21:57about setting up automated investments and savings.
22:00And that can be bad
22:01because it means that I'm not putting aside money
22:03very consistently.
22:04The reason automating your finances can be so great
22:07and not doing it can be such a money mistake
22:10is that automation can help you be more hands-off
22:13with your finances.
22:14Auto payments can help you avoid late fees
22:16and predatory interest.
22:18And automated savings and investments
22:19keep you consistent in growing your wealth over time.
22:23In the book, Atomic Habits,
22:24author James Clear writes,
22:25Quote,
22:26Goals are good for setting a direction,
22:28but systems are best for making progress.
22:31Automating is essentially building your systems.
22:34It's what helps you manage your money long-term
22:36so you don't have to constantly think about it.
22:39Instead, money can become more of a tool
22:41than a constant question.
22:43And you can get back to focusing
22:44on other parts of your life.
22:46This is something that I'm still working on
22:47implementing in my life.
22:49And I'm sure it's something that I'll revisit over the years
22:51because financial health isn't just a destination
22:54that you hit and then you're done.
22:56It's a journey,
22:57just like taking care of your physical and mental health.
23:00While these are the worst money mistakes of my 20s,
23:02I am sure I am not done making money mistakes,
23:05but hopefully I'm also not done making money lessons
23:08and money wins.
23:10Hopefully I've got a lot more money wins to come.
23:13But I'm curious what you guys think.
23:14Do any of these money mistakes resonate with you?
23:17Are there any that you've made that I didn't mention?
23:19Let me know what your thoughts are in the comments below
23:21and what topics you would like to see me cover next.
23:24Like I mentioned earlier,
23:25my next video coming up is all about how
23:27and where I'm investing.
23:29So if you want to check that out,
23:30make sure to stay tuned and subscribe.
23:32Thank you so much to my patrons on Patreon
23:34for supporting this channel
23:36and for those who donate on Buy Me A Coffee.
23:38Thank you again to Capitalize for sponsoring this video.
23:41And don't forget to check out their link
23:42to rollover your 401k for free.
23:44Thank you guys all just for watching and getting this far.
23:47I appreciate you all so, so much.
23:50And I will see you next time.
23:51Bye.
Recommended
4:54
|
Up next
11:39
19:59
2:09
2:52
5:54
1:59
0:46
2:11