The overdraft fee. The dealer rate that's two points higher than the bank approved. The subscription that's easy to start and impossible to stop. These things aren't accidents. They're designed.
Once you can see the design, you can step around it.
They Keep You Broke
Somebody designed the fees, the markups and the monthly payment. We show you how, and how to push back.
It isn't bad luck
Why we made it
We spent twenty years on the selling side of the table. We know how a pitch is built, where the pressure goes and when the extra fee shows up. They Keep You Broke turns that around and hands it to the person being sold to.
Who it's for
Working people who feel squeezed and can't see where the money goes: the car buyer at the finance desk, the family juggling overdrafts, anyone signed up for one more monthly payment than they meant to.
They don't need a lecture. They need to see the trap and get one move to make this week.
What you get
- Plain-English breakdowns of how each money trap works.
- Calculators that show what it really costs.
- Exact scripts for pushing back.
- Three moves you can make this week, every time.
What goes into every episode
Each video starts with what actually happened in the news that week, then gets researched, written, illustrated, voiced and edited by our team. AI is part of the toolkit; the judgment is ours.
Then it gets made again, natively, for YouTube Shorts, TikTok, Instagram and Facebook, each with its own cut, cover and description. Nothing is a lazy recut.
Follow along
New videos and guides every week.
Questions, answered
What is They Keep You Broke?
A YouTube channel and website that break down the money systems built to take more than they give, like fees, dealer markups and subscriptions, with scripts and moves you can make this week.
Where can I watch?
On YouTube at @TheyKeepYouBroke, plus TikTok, Instagram and Facebook. Guides and calculators are on theykeepyoubroke.com.
Is this financial advice?
No. It is educational content to help you see how money traps work. Talk to a qualified professional about your own situation.