Avoid this common mistake when arriving in the United States: A Latino's advice on debts

A young Latino in the United States, known on TikTok for his advice and testimonials about his life as an immigrant, is making waves with a video in which he offers a "life tip" to those arriving in the United States: avoid unnecessary debt.

In the clip, Andrés explains that one of the biggest mistakes a newcomer can make is to quickly accumulate debt, whether through credit cards, car loans, or unnecessary expenses. “Here, credit life, financing, capitalism, works too easily... if you don’t need to do it, don’t,” he advised.

The video by @andresal3 sparked a wave of reactions, ranging from praise for his advice to debates on the subject. Some users shared their personal experiences with debt in the U.S.: "I have a piece of advice for you: definitely get health insurance. I had an accident, and the hospital bill was $60,000. Thanks to the insurance, I ended up only owing $1,800." Others, like George Cedeño, commented that not all debt is bad and that, if managed well, debts can be a tool to achieve success: "It's always better to have the banks' money work for you instead of your own."

There were also those who fully agreed with Andrés and shared their own stories to avoid unnecessary debt. Others recalled the importance of having clear priorities and taking care of financial health.

The conversation continued with advice for achieving financial success in the U.S., where some users pointed out that saving and avoiding luxuries could be the key to progress. Although not everyone agreed with Andrés on the complete rejection of debt—such as Julio Alfonso868, who emphasized the importance of credit history for buying a home or investing in a business—many concurred that accumulating debt for unnecessary things can lead to a dead end.

Andrés concluded the video with a powerful reflection: “The best advice is, if you don’t need to go into debt for something, don’t do it. Save and buy what you truly need.” It seems that his words have sparked a real debate between those who view debt as a tool and those who prefer to avoid it in order to live peacefully in a country where credit is so accessible.