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Isaac, Houston, TX
Career:
2022 - working as Sales Rep at a Tile store, making 3-4k a month while going to school full time
- Left job to focus on classes because he was having issues
Doing UberEats/Doordash, also getting money from his father
"If I need some I'll ask and he might send it"
He stopped doing the gig stuff because he injured his knee timestamp
Can't do regular Uber because his car does not qualify
Has a 2012 Corolla - later clarifies that it's above the miles limit
"My knee hurts when I drive"
He drove 3 hours over to Caleb, driving 3 hours back later.
Something to his meniscus
Costco opening nextdoor - planning on getting a job there
Was a Solar Salesman at the beginning of this semester but the company closed down?
Education:
Studying Biotech (undergrad)
4th year but with credits he is a junior, will be finishing in 5 years
- Had some issues during COVID, didn't pass a lot of classes - trying to make up for that now
2.0 GPA overall
- "Yeah I just got to 2.0 last semester" timestamp
"Yeah I passed one class... in COVID" timestamp
Failed Intro to Biotechnology class timestamp
"I was passing that class up until the final"
Failed "Fundamentals of Chemistry"
"Why'd you pick this major" timestamp
He thought it sounded interesting
"So what's your career path"
- "What do you mean my career path?"
"A 2.0 is good though" timestamp
He's taking 26 credits this semester
Payments to "StudyPool" timestamp
Website where you "get help" on your assignments
"I would never cheat" - this site is definitely cheating
Looks like it's a per assignment basis - lots of these
$360 last month (allegedly splits with his friend)
NBS Facts timestamp
- $30 payment, he says he doesn't know what that is
Finances
Put his all tuition on his credit cards timestamp
An Apple card specifically
"I haven't missed a payment"
Spending a lot on eating out/misc bullshit
Self-rated a 5/10 in finances timestamp
Credit Card 1 ($14'715) timestamp
- $548 minimum payment
Should he consolidate his debt timestamp
- If he could actually control himself yes
Missed payment timestamp
- He says he doesn't have any but there's $40 in late fees - he paid it a day late but confused this with the concept of a missed payment
Reasoning for putting tuition on the CC timestamp
thought his dad would help pay it off
Dad had purchased a house but needed help with the down-payment - $15'000
- Father is letting him live there rent free and considers this repayment? Not sure if I followed this right
Coinbase and Robinhood timestamp
Invested in crypto?
Coinbase - $3'666 in 2021, down to $60 today
Robinhood - $6'006, down to $6?
Miscellaneous
Oracle ad placement
There's some sort of on-boarding video now timestamp
- He didn't bother watching it
Girlfriend gets time to talk timestamp
Didn't know how much debt he's in
"I think he's nervous he's not usually like this"
"He gets defensive when we argue so I think that's what he was doing with you"
Thinking about marrying him, wouldn't until he's out of debt
Guy's dad doesn't actually give him that much money
Guy applied to show through Insta
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Exposure to poor people reduces support for redistribution among the rich. https://t.co/axsjAmLMuL pic.twitter.com/4Y37ck7gSf
— Rolf Degen (@DegenRolf) April 19, 2024
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HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA https://t.co/QcSyz7TBmP pic.twitter.com/uqHu3ED9cx
— Andrew Tate (@Cobratate) May 13, 2024
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Nathan, 26, Austin TX
Personal:
Wearing a $600 watch timestamp
- Claims he got it on sale 20% off
"It was a Christmas gift for myself"
"It's a nice watch, I wanna get another one I just don't have the funds to do so right now. But as soon as I do I'm gonna get one" timestamp
"Did you graduate high school?" timestamp
- "Yeah, it was hard though" "Numbers and stuff, the start to look funny after a while"
"You bought yourself a watch and you said you'd do it again" timestamp
- "Well I bought myself some - uh nevermind"
Career:
"I sell cars" "Gross" timestamp
"My customers love me"
"I don't just care about my commission checks, I care about people"
New car place for 2 months
first month between two and three thousand
Attempt to figure out just how much he makes timestamp
"They take it back when I get my commission check"
"It's hard to say just what I make... I don't pay attention to it"
Was making 7 or 8 thousand dollars a month at his old car place
Thinks he will need 4 months to ramp back up to this
Had gotten a promotion at his old place but didn't like it as much as he thought it would be
"Well there's also the 1099 income from the manufacturer.... I didn't report that so I guess it could be something extra" timestamp
- "I didn't have the money to pay the taxes on it, I spent it all"
Not setting money aside for taxes?
Checks his March income later timestamp
- 9'000 before taxes and minimum wage removal, around 6'000 after all that is taken out
Finances:
He has two phones because he wanted two phone numbers
"[The debt]'s not 'new new' it's been there, it just got worse" timestam
Credit Card 1 (Revy) (302,32) timestamp
205 amount past due, "I had to pay my rent so I couldn't pay the card"
4 months of missed payments, what a king. Frick that card.
Credit Card 2 (CreditOne) ($500/$500) timestamp
Got this one after the repo - only card that would "help him out"
He thinks this one is closed but not sent to collections yet
Credit Card 3 (Also CreditOne) [timestamp](https://youtube.com/watch?v=EdQqpTHnzlQ%26t%3D12860
Card 3 (738)
- $125 past due - 2 payments
Credit Card 3 (Also CreditOne) (1500/1200) timestamp
- $268 past due (3 payments)
Credit Card 4 timestamp
He paid this off "It's on automatic payments"
"I didn't catch it in time, if I'd a caught then that one would not be on autopay"
Credit Card 5 timestamp
- $1 of credit free
Rent $2250 a month
Rents a townhouse timestamp
Two bed, two bath, attached two car
Signed lease last year, just resigned in February
Car got repoed "that was in the past" timestamp
- 4 years ago "That wasn't my fault though, that was somebody else that did that"
"My plan is to make more money"
CashApp Payments timestamp
Car (14'000) [timestamp](https://youtube.com/watch?v=EdQqpTHnzlQ%26t%3D1557
Paid the car bill late, ate a $20 late fee
Caleb seethes over a 2015 Chrysler 200 for some reason
"It was a steal"
dealership advertised a price but then charged him a higher price
Got it in 2020
24% interest rate, got this car soon after his other was repoed
Doesn't drive this around?
Doesn't drive it around because he got a new car, he's trying to sell and find someone gullible to take over the payments timestamp
"So you're going to prey on people"
- "Nah I'm helpin help them out, it's like a quid pro quo"
Has hail damage. There's some weird insurance thing timestamp
Owes 14'000 on this $8'000 car timestamp
- "So that's not super terrible"
Car 2 (28'700) timestamp
Mercedes, this is the one he drives around
$650 minimum payment
18% interest rate
"It's in really good condition"
Car 3 (13'700) timestamp
This was the one that got repoed
Nissan
Was in a relationship for 3-4 years, he bought a car for her mother, the mother made payments on it for 6 months but when the relationship ended and she stopped paying on it
Energy Bill from 2023 that he didn't pay
From his old place probably, he didn't know about it
$600 bill
"You paid for your credit report and you never went through it once?!" timestamp
- "No"
Personal Loan
- Mentioned and then forgotten about?
Checking Account (-$50) timestmap
Lots of eating out lmao
He's subbed to near a dozen streaming services
- "I be watchin shows"
Credit Score 567 timestamp
- "It was worse but I've put in work"
Finances Pie Chart timestamp
Attempts to form a budgeting plan timestamp
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These appear to be dropshipped from AliExpress https://www.aliexpress.us/item/3256806542021187.html
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Zoe 32, San Antonio TX
Reddit thread - https://old.reddit.com/r/CalebHammer/comments/1bwjhrx/published_on_youtube_trailer_trash_woman_stealing/?sort=controversial
Career:
"Fulfillment Operations" at Amazon
$20.75, 33-36 hours a week
Works overnights 12 night shifts? Only gets so many on shift rotations?
Life:
Single parent, 5 kids
Finished Associates Degree in Psych recently?
- Doesn't think she wants to pursue it any more
Thinking she would got for a "realtor degree" (license?)
Was married to someone in military who wanted her to be a stay-at-home mother?
Already had a the first kid with another father before marrying this guy?
He is still in military?
Divorced 7 years ago or married 7 years ago and divorced more recently? I'm not certain on the timeline, finalized in 2019?
Gets 1'000 a month in child support
He is the father of her two eldest children? Might be two second-eldest? What? I'm so confused.
Another son gets $370 a month sporadically
Does not get support for the other two children
Father of her youngest has repeatedly evaded the authorities "he's a chameleon"
No mention of the second youngest?
Ages
Daughter - 1 and a half
Son - 3
Daughter - 8
- Divorce was 7 years ago
Daughter - 12
Daughter - 14
Lives with her mother, disabled and on a walker so she can't help out much
Mother works for a few days at a family members towing company for cash?
Mother has had a bunch of surgeries? Recovering from a hernia in the chest? She doesn't want to watch the grandkids.
Cat just had 5 kittens
More deets about the dads timestamp
Finances:
"Borrowing to pay off your last borrowing to pay off your last borrowing that you borrowed before your last paycheck timestamp
Has been doing this for two or three months now?
Rent went up, CoL went up?
Checking Account starts timestamp
started with negative $23 in the account ended with positive $500 timestamp
Payday loan $1000 timestam
- ahead of her tax return?
Payday loan 2 (900 initial 1500 in needful payments) timestamp
159%
Doesn't remember which one this is
"I saw the APR afterwards and was like holy shit"
Got it online?
Might be more, I got distracted here
Car 2023 Mitsubishi Outlander timestamp
Owes $34'900, worth 22'000
$819 minimum, missed the last payment
No car insurance "can't afford [it]"
16% APR
Fell for a free 2'500 down offer and believed the salesfilth when it said she would pay more for a used car
Collections lmao timestamp
Card 1 $479 timestamp
- "I got those cards with the intention of not paying them back and now I'm being forced to pay them back"
Some of my friends help me out timestamp
"Because I work more they took my foodstamps away"
Trading cash for foodstamps. $100 becomes $180 in stamps. "Is that legal?" "No."
Surprise student loans segment at the end timestamp
Caleb seethes over McDonald's coffee - timestamp
Kino awkward dating prospects - timestamp