It's extremely weird. "I can't afford to live in expensive apartments in the center of London". Ok...?
I guess it's some sort of affordable housing point but it makes no sense.
If it was like "i lived here growing up in a middle class family and now i have no chance of buying such a home" then it would make sense. But saying that your fancy london hospital got turned into fancy apartments and how ironic that is is just kind of bizarre.
It's not ironic but it's definitely sad. People get attached to the places they grew up in and a lot would wish to continue living there.
But I guess we are on the philosophy tube hate train so all aboard.
Not sure I understand. Did you not watch the clip? She talks about the hospital she was born a n that was turned into luxury apartments. And she calls it 'ironic' that she can't afford it, eben though she was born in the hospital. My problem is with the word ironic. It's not really ironic.
Yeah that's a metaphor for being able to live where you grew up.
And the word irony is used because she was given life there, but now she cannot live there.
But I guess the irony depends on expectations and you don't share them, anyways y'all are being fucking silly to be honest.
maybe she fell off so hard that she can no longer afford to live mas
https://preview.redd.it/tvu1xnj81jkc1.jpeg?width=414&format=pjpg&auto=webp&s=935b090d20765426b82f9cec69c30523a396006f
I'm not a PT fan at all but the take she can't afford this place is probably right. London taxes are insane and consider the current mortgage rates. *Should* she be able to afford this $600k place is a totally different question.
Edit: Going schizo.
If we consider everyone (7,000 people) paying the minimum on her Patreon she'd be taking home around $100k per year after UK taxes and the Patreon fee.
Then take a rough guess at her YouTube earnings based on her yearly views and average YouTube CPMs ($5 for simplicity) I'm getting $91k which is generous since I'm basing it off her last 3 months of views times 4. Keep in mind that's without UK taxes as well.
I'm not seeing any other major revenue streams or sponsored segments on her latest videos. So taking YouTube + Patreon that would mean somewhere around $150k to $200k in revenue minus **production expenses or employees.**
It's completely believable that she can't afford a $600k place. Sure, she may have a ton of higher-end whales but it's not a claim worth disputing as there's no way to verify this.
I was wondering about that, in the US, if you're self-employed, it's actually very hard to get a mortgage. It's not impossible but I know the requirements are different. Would that be the same?
The lender will typically look at your last 3-5 years of earnings and extrapolate that. If you're showing that you've been making 200k a year for those amount of years you will absolutely be qualified for a 600k mortgage.
Maybe there is a British person around who would be able to sense check what expectations would be like - it makes sense that being self-employed might make it more difficult for you to show you have a reliable stream of income to service the mortgage, but I don't think being self employed in and of itself in the UK ought to make any difference.
The main thrust of what I am saying is that she is a celebrity-status Youtube content creator with a very successful Patreon and YouTube who also works as an actor. Maybe it's the case that she has leveraged herself to support her other acting projects to the point where this would prohibit the mortgage, but if that's the case then it's not really a frank statement to say "I can't afford X" when you really mean "I can't afford X because I am investing in all of these other projects by choice."
Someone in her position has financial assets several times larger than what you or I have, it really shouldn't be an issue.
Most mortgages in the UK are around 4.5x your income, if you earn much more than average you can get a higher multiplier with some lenders.
If she's making around 100k, a couple years to save a decent deposit and she could afford it
150-200k a year is more than enough for a 600k house. Even with high lending rates it's doable and it will only get easier as rates eventually fall and you refinance.
I'm just trying to assess how likely her claim is versus not so I can understand how much it's worth challenging. I'll run the numbers at $5, but given we don't know how much she spends on production or her actual Patreon breakout, I don't think it would change it that much, but it's a fair point.
Going off your estimates, running it through a tax calculator, and assuming she is living on a normal cost of living in London I reckon she would be able to save for the (assuming avg. 15%) deposit in around 20 months. Even with factoring in some additional costs, or a lower savings rate that might push it up to 36 months.
Which is not a long time for a single earner buying a luxury flat (i.e. not a starter home).
That's also making no assumptions about sticking the savings into fixed income to earn return which would lower time to deposit. Or assuming using a help to buy ISA.
Yeah I'll admit it's possible, but all she is saying in that case is "the people that afford places like this are slightly richer than me, capitalism bad guys" all while hoping to catch some rubes unaware and keeping her "solidarity with the rent/mortgage strugglers of the UK" image intact. It's fucking cringe no matter how you slice it
How is it "ironic" that you can't afford to live in the room where your life began, a hospital? I don't even understand that statement on its own terms.
What's your estimate of her income? You can put it through [this calculator](https://www.barclays.co.uk/mortgages/mortgage-calculator/borrowing-calculator/) here and see if she could get a mortgage up to that level, assuming she has 20% of the cost of the house already saved up for a deposit.
She's been upping production values on her channel significantly over time, hiring people to do makeup, costumes etc. it's not a given to me at all that she could afford that. I would guess her max budget would be in the 500k ish region, assuming she can get the money together for a deposit on it, which would also take time, and due to the variability of income from youtube, that deposit may have to be higher too.
Nah, she makes at least £160k off of Patreon alone (thats assuming everyone pays lowest tier and Patreon takes 20%). If we say all of her YT revenue goes to production she should still be able to afford it. Using your calculator she would only need a £60k down payment.
True, I didn't account for taxes. Though I was also intentionally lowballing her income. I highly doubt that she makes nothing off of YT and that she only gets the bare minimum from Patreon. It looks like her videos average around 1.5M views. Maybe that £600k is close to her limit.
Still doesn't seem so bad for making 1 video every 2 months or so.
Yeah, I understand she invests a lot of her income back into production plus side projects. She makes a lot of money, doesn't mean she can afford anything she wants.
She can afford (almost) anything. She can't afford everything. If she wants to invest into her video making go for it girl but don't start crying if you don't have that money left to invest into other shit.
She can afford that flat. She chooses not to.
Exactly, though at some point you could argue that the production values are a choice, to build her portfolio and do things that interest her artistically, rather than just buying a house, it's a choice of how to invest, so what she "can afford" may actually be different. She's basically [Tom Scott'ing](https://youtu.be/7DKv5H5Frt0?t=133) it, and I assume, will probably get off the train at some point when she's completed some internal goal.
And then, probably, she will have enough income in the last year or two of that, assuming the future career she's angling for works, to suddenly buy a house, which she will be able to announce and discuss as part of her retirement etc. once she gets off the treadmill.
I also to what extent videos like those she has created will form passive income, or whether they'll get wiped out by newer more current ones, there must be examples of former successful youtubers, and how much money they make, but I'm not sure how viable leaning on previous content actually is.
She is playing [Nocturne](https://bg3.wiki/wiki/Nocturne) Shadowhearts childhood friend. She is also a disciple of Shar and later become the quartermaster of the cloister. I am not sure but I think she is canonical trans.
https://imgur.com/a/71MZNLq
The channel has now 2x as many subs as it had back when the post was made and that $17866.46 US per month is the minimum, when every listed patron is on the lowest tier that gets that respective form of mention and it **only patreon**.
the patreon money since that post was made alone could probably pay for that apartment. let alone youtube money and other revenue streams.
I hate that she gets put in media/games. She’s very distracting every time. I’m sure it’s fine for people who don’t know who she is but it’s a vibe killer for me
The complaining about builders making more expensive housing is so fucking annoying. Even high end luxury housing units drive down the overall cost. It's a supply issue higher supply will decrease costs. Rich people who can afford expensive housing will move out of their place to the nice expensive place opening up more available units for the less fortunate
These bigbrained individuals usually believe some amount of the following
1) PT sexually assaulted Contrapoints
2) PT is a "fake" trans person and has sexual fetish combined with an obsession about Contrapoints that made PT transition and copy Contrapoints
Why? Because of 4chan schizoposts.
I mean, 4chan can schizopost forever and not have it stick. There's certainly a lot of uncanny similarities and coincidences.
Still mostly schizo probably, but it's certainly disturbingly plausible even if highly unlikely.
PT did change their content quite a bit to match Natalie, and Natalie is suspiciously silent about it all 🤷
For those who don’t know, the infamous schizo 4chan archive on the situation
https://preview.redd.it/uihrwun50jkc1.jpeg?width=1802&format=pjpg&auto=webp&s=dbd62a5dc90ec512b1fb254628a3e58f64f0b85f
This collage is wild, especially the 4chan that assumes she transitioned to avoid accountability and that her factually correct statement that she is one of the most recognizable is meant to be a thread.
This is garbage and deserves an ishoot!.
Can you put forward evidence? I have zero interest personally, but if it has been disproven, any fuckwit pushing misinfo should be banned from existence.
I think she still lives in the North East too? Where cost of living is the lowest in the UK, with property prices also relatively low. But then the trendy parts of Newcastle aren't cheap (Jesmond), we can't expect her to live somewhere with the poors can we?
Average UK house price is 264,000 and 516,000 in London
Based on estimates I've seen here she likely earns more than double if not triple the national average household income which is 38,000.
Seems like she either wants to just live in really expensive areas or just act like she's one of the Poor's.
Maybe off topic but those averages seem skewed. No way the average household earning 38,000 could buy a house at 264,000. Maybe that's why we've a housing crisis lmao
I also don't get what her point is here - what is the total number of people in the world that could, if they wanted to, live in the room they were born? Is it really ironic that someone wouldn't be able to do that? That just sounds like everyone everywhere
Yeah, back in the good old days, you could buy the hospital room where you were born, but now under capitalism...
What I was thinking ... how is it ironic that you can't pay to live where you were born?
I cant spend my afternoon at my primary school anymore. Literally 1984
It's extremely weird. "I can't afford to live in expensive apartments in the center of London". Ok...? I guess it's some sort of affordable housing point but it makes no sense. If it was like "i lived here growing up in a middle class family and now i have no chance of buying such a home" then it would make sense. But saying that your fancy london hospital got turned into fancy apartments and how ironic that is is just kind of bizarre.
lmao yeah i tried to watch this yesterday but I just had to close the tab immediately when I heard that
It's not ironic but it's definitely sad. People get attached to the places they grew up in and a lot would wish to continue living there. But I guess we are on the philosophy tube hate train so all aboard.
Noone is talking about the place they grew up in. It's the room they were born in as in the hospital
i thought this chain was metaphorical not literal, doesnt make much sense otherwise
Not sure I understand. Did you not watch the clip? She talks about the hospital she was born a n that was turned into luxury apartments. And she calls it 'ironic' that she can't afford it, eben though she was born in the hospital. My problem is with the word ironic. It's not really ironic.
Yeah that's a metaphor for being able to live where you grew up. And the word irony is used because she was given life there, but now she cannot live there. But I guess the irony depends on expectations and you don't share them, anyways y'all are being fucking silly to be honest.
maybe she fell off so hard that she can no longer afford to live mas https://preview.redd.it/tvu1xnj81jkc1.jpeg?width=414&format=pjpg&auto=webp&s=935b090d20765426b82f9cec69c30523a396006f
That pic goes hard.
Cats taking the lucky one
Unlike Contra her expenses are probably higher. She has a staff and she has less Patreon subs
I'm not a PT fan at all but the take she can't afford this place is probably right. London taxes are insane and consider the current mortgage rates. *Should* she be able to afford this $600k place is a totally different question. Edit: Going schizo. If we consider everyone (7,000 people) paying the minimum on her Patreon she'd be taking home around $100k per year after UK taxes and the Patreon fee. Then take a rough guess at her YouTube earnings based on her yearly views and average YouTube CPMs ($5 for simplicity) I'm getting $91k which is generous since I'm basing it off her last 3 months of views times 4. Keep in mind that's without UK taxes as well. I'm not seeing any other major revenue streams or sponsored segments on her latest videos. So taking YouTube + Patreon that would mean somewhere around $150k to $200k in revenue minus **production expenses or employees.** It's completely believable that she can't afford a $600k place. Sure, she may have a ton of higher-end whales but it's not a claim worth disputing as there's no way to verify this.
I would be very surprised if someone in her position wasn't able to secure a mortgage for a GBP 600k apartment.
I was wondering about that, in the US, if you're self-employed, it's actually very hard to get a mortgage. It's not impossible but I know the requirements are different. Would that be the same?
The lender will typically look at your last 3-5 years of earnings and extrapolate that. If you're showing that you've been making 200k a year for those amount of years you will absolutely be qualified for a 600k mortgage.
Maybe there is a British person around who would be able to sense check what expectations would be like - it makes sense that being self-employed might make it more difficult for you to show you have a reliable stream of income to service the mortgage, but I don't think being self employed in and of itself in the UK ought to make any difference. The main thrust of what I am saying is that she is a celebrity-status Youtube content creator with a very successful Patreon and YouTube who also works as an actor. Maybe it's the case that she has leveraged herself to support her other acting projects to the point where this would prohibit the mortgage, but if that's the case then it's not really a frank statement to say "I can't afford X" when you really mean "I can't afford X because I am investing in all of these other projects by choice." Someone in her position has financial assets several times larger than what you or I have, it really shouldn't be an issue.
Most mortgages in the UK are around 4.5x your income, if you earn much more than average you can get a higher multiplier with some lenders. If she's making around 100k, a couple years to save a decent deposit and she could afford it
I don't think this is true.
150-200k a year is more than enough for a 600k house. Even with high lending rates it's doable and it will only get easier as rates eventually fall and you refinance.
Why use the minimum estimate for her patreon?
I'm just trying to assess how likely her claim is versus not so I can understand how much it's worth challenging. I'll run the numbers at $5, but given we don't know how much she spends on production or her actual Patreon breakout, I don't think it would change it that much, but it's a fair point.
£100k a year is well into the top 1% of earners in the UK.
Going off your estimates, running it through a tax calculator, and assuming she is living on a normal cost of living in London I reckon she would be able to save for the (assuming avg. 15%) deposit in around 20 months. Even with factoring in some additional costs, or a lower savings rate that might push it up to 36 months. Which is not a long time for a single earner buying a luxury flat (i.e. not a starter home). That's also making no assumptions about sticking the savings into fixed income to earn return which would lower time to deposit. Or assuming using a help to buy ISA.
She also gets paid big bucks from Nebula, the streaming platform.
famously successful streaming platform Nebula
Yeah I'll admit it's possible, but all she is saying in that case is "the people that afford places like this are slightly richer than me, capitalism bad guys" all while hoping to catch some rubes unaware and keeping her "solidarity with the rent/mortgage strugglers of the UK" image intact. It's fucking cringe no matter how you slice it
my inner robbespiere says: eat her
I think she is also hosting all her videos on Nebula before releasing them on youtube.
Honestly this post is all off topic and what they are talking is super important.
>PTs takes on housing haven't improved since they stated a housing market could not exist at all if there weren't any homeless people Imagine my shock
How is it "ironic" that you can't afford to live in the room where your life began, a hospital? I don't even understand that statement on its own terms.
not even Alanis Morisette would stretch the definition of irony that far
ZIIIING!!
Maybe she believes that life begins at conception?
Secret home-birth propaganda.
The latest episode was pretty good imo. It got a little too "capitalism bad" but overall it was informative and insightful.
> it got a little too "capitalism bad" literally every philosophy tube video
Not gonna watch. Did she blame a lack of supply?
Essentially, yeah. That + gentrification + too much appeal to tourism / investors
I've never watched a good PT video tbh. Every one I watched was empty sophistry.
What's your estimate of her income? You can put it through [this calculator](https://www.barclays.co.uk/mortgages/mortgage-calculator/borrowing-calculator/) here and see if she could get a mortgage up to that level, assuming she has 20% of the cost of the house already saved up for a deposit. She's been upping production values on her channel significantly over time, hiring people to do makeup, costumes etc. it's not a given to me at all that she could afford that. I would guess her max budget would be in the 500k ish region, assuming she can get the money together for a deposit on it, which would also take time, and due to the variability of income from youtube, that deposit may have to be higher too.
She has a patreon with over 7,000 paid members that's been running for a while. My guess is that she can afford it.
Nah, she makes at least £160k off of Patreon alone (thats assuming everyone pays lowest tier and Patreon takes 20%). If we say all of her YT revenue goes to production she should still be able to afford it. Using your calculator she would only need a £60k down payment.
you know UK taxes be wilin' though. A quick estimate of that $160k would leave her with closer to $100k.
In UK you can get a mortgage worth 4.5x your pre tax income. You’d need at least 10% deposit payment as well.
True, I didn't account for taxes. Though I was also intentionally lowballing her income. I highly doubt that she makes nothing off of YT and that she only gets the bare minimum from Patreon. It looks like her videos average around 1.5M views. Maybe that £600k is close to her limit. Still doesn't seem so bad for making 1 video every 2 months or so.
There is no doubt in my mind she could genuinely buy it outright if she lived on the average lifestyle budget.
Yeah, I understand she invests a lot of her income back into production plus side projects. She makes a lot of money, doesn't mean she can afford anything she wants.
She can afford (almost) anything. She can't afford everything. If she wants to invest into her video making go for it girl but don't start crying if you don't have that money left to invest into other shit. She can afford that flat. She chooses not to.
Exactly, though at some point you could argue that the production values are a choice, to build her portfolio and do things that interest her artistically, rather than just buying a house, it's a choice of how to invest, so what she "can afford" may actually be different. She's basically [Tom Scott'ing](https://youtu.be/7DKv5H5Frt0?t=133) it, and I assume, will probably get off the train at some point when she's completed some internal goal. And then, probably, she will have enough income in the last year or two of that, assuming the future career she's angling for works, to suddenly buy a house, which she will be able to announce and discuss as part of her retirement etc. once she gets off the treadmill. I also to what extent videos like those she has created will form passive income, or whether they'll get wiped out by newer more current ones, there must be examples of former successful youtubers, and how much money they make, but I'm not sure how viable leaning on previous content actually is.
How is that ironic?
Because this sub thinks Progressive people must be poor and can never talk about an issue unless they personally suffer it. They're brain poisoned.
Lefties can’t touch money or they’re hypocrites
That's an expensive ass flat.
I never heard of until recently, she had a cameo in Baldur's Gate 3 of all things.
As who?
She is playing [Nocturne](https://bg3.wiki/wiki/Nocturne) Shadowhearts childhood friend. She is also a disciple of Shar and later become the quartermaster of the cloister. I am not sure but I think she is canonical trans.
That’s funny, I did notice that I had heard nocturne VA somewhere before. Good on her for getting a cool gig like that.
Isn't she in some sort of Drone fetish cult?
https://imgur.com/a/71MZNLq The channel has now 2x as many subs as it had back when the post was made and that $17866.46 US per month is the minimum, when every listed patron is on the lowest tier that gets that respective form of mention and it **only patreon**. the patreon money since that post was made alone could probably pay for that apartment. let alone youtube money and other revenue streams.
I hate that she gets put in media/games. She’s very distracting every time. I’m sure it’s fine for people who don’t know who she is but it’s a vibe killer for me
Is she the one that made Islamophobia video ?
I also had to rewind that part about her not being able to afford that flat.... doesn't she make like crazy money?
Is she implying that all housing is this expensive? Bitch I can't afford the £1.4 million pound mansion for sale 5 miles from me either. So what?
"Philosophy"
The complaining about builders making more expensive housing is so fucking annoying. Even high end luxury housing units drive down the overall cost. It's a supply issue higher supply will decrease costs. Rich people who can afford expensive housing will move out of their place to the nice expensive place opening up more available units for the less fortunate
[удалено]
> was able to successfully steal the identity of a trans woman Wait, what? Do you just mean she emulated ContraPoints' style?
These bigbrained individuals usually believe some amount of the following 1) PT sexually assaulted Contrapoints 2) PT is a "fake" trans person and has sexual fetish combined with an obsession about Contrapoints that made PT transition and copy Contrapoints Why? Because of 4chan schizoposts.
Whoa whoa whoa-- what's the alleged contrapoints-philosophytube tea?
They had a falling out and Contrapoints prefers not to talk about it, so people go to the most dramatic explanation.
This is the schizopost that gets reposted: https://twitter.com/yyyerm/status/1356682836783362050
I mean, 4chan can schizopost forever and not have it stick. There's certainly a lot of uncanny similarities and coincidences. Still mostly schizo probably, but it's certainly disturbingly plausible even if highly unlikely. PT did change their content quite a bit to match Natalie, and Natalie is suspiciously silent about it all 🤷
How?
i despise this rapist freak
For those who don’t know, the infamous schizo 4chan archive on the situation https://preview.redd.it/uihrwun50jkc1.jpeg?width=1802&format=pjpg&auto=webp&s=dbd62a5dc90ec512b1fb254628a3e58f64f0b85f
A whole new form of transmaxxing
I don't know about either of them but this is crazy hilarious if it's true.
This collage is wild, especially the 4chan that assumes she transitioned to avoid accountability and that her factually correct statement that she is one of the most recognizable is meant to be a thread. This is garbage and deserves an ishoot!.
I deserve to get shot for sharing context, not even saying i agree with it?
Nah philosophy tube always came off as generic brand contra. I believe the conspiracy theories
The skinwalker theory. It's a doozy.
For Fucks sakes it's been disproven. Like After Cancelling Contra and Tube we're on stream together. Stop spreading this misinformation you dumbfuck.
Can you put forward evidence? I have zero interest personally, but if it has been disproven, any fuckwit pushing misinfo should be banned from existence.
Contra's Patreon post and stream for Jan 2020 and Mia Mulder birthday stream
you're genuinely too mentally ill to be using the internet
:3 im just having fun
[ Removed by Reddit ]
!bidenblast
Your domestic production of malarkey has exceeded the LD50 for this subreddit. /u/Ok-Expression1808 sealed in the prison realm by /u/Dude_Nobody_Cares
Not this again
I think she still lives in the North East too? Where cost of living is the lowest in the UK, with property prices also relatively low. But then the trendy parts of Newcastle aren't cheap (Jesmond), we can't expect her to live somewhere with the poors can we?
most of the areas where the poors are in post-industrial uk cities are absolute fucking shitholes full of anti-social behaviour
Average UK house price is 264,000 and 516,000 in London Based on estimates I've seen here she likely earns more than double if not triple the national average household income which is 38,000. Seems like she either wants to just live in really expensive areas or just act like she's one of the Poor's.
Maybe off topic but those averages seem skewed. No way the average household earning 38,000 could buy a house at 264,000. Maybe that's why we've a housing crisis lmao
I took these from the office of national statistics so they are pretty reliable. Yeah the UK is not looking so healthy right now.
They converted buildings into housing?!?!?! #🤩🤩🤩🤩🤩🤩
I also don't get what her point is here - what is the total number of people in the world that could, if they wanted to, live in the room they were born? Is it really ironic that someone wouldn't be able to do that? That just sounds like everyone everywhere
anyone denying that london and most of england has a serious housing crisis is contrarian brained to the maximum
it's precisely because the crisis is so bad that I fucking hate people like Philosophy Tube acting like she is in any way seriously affected