OP rudely deleted her thread, but it shows up in pullpush here: https://undelete.pullpush.io/r/MoneyDiariesACTIVE/comments/1c0tynd/in_the_red_on_150k_a_year_help_me_get_my_head_out/

Her "partner" (male) quit their job in November so now they're trying to survive on $150k a year (and failing). OP is too long to post but interesting line items:

rent 2,500

storage unit 108

Renting a two bedroom and still needing a storage unit

cellphones 148 2 lines. Will go down to 100 when phones are paid off in a few months. I don't have a line for my Apple Watch or iPad so there's that at least lol

Financing cell phones and still getting completely screwed on the phone lines.

daycare 1,980 This is very cheap for the area! Stopping this to have partner watch baby is an option, but we'd lose our slot and have to scramble when he finds a job

The daycare grift strikes again

car 400 Car is paid off but somehow still expensive. Gas, tolls (family out of state), parking, registration, etc. I drive to the office

donations 783 Not a religious thing. Just us trying to do some good. Open to questions/suggestions

travel 500

gifts 250

If my math is right that puts me at -$1631 a month.

To be fair, I'm guessing the travel and gifts are some kind of "we're planning on spending this the whole year" and not actually spending that each month. Still, nearly 6 months in and no changes at all.

>Makes 87k a year

>750 mortgage

>500 second mortgage

>40k in credit card debt (11k was a trip to Disney )

>blames daughters 600 a month gymnastics as what's making him so broke

This guy is proof that not everyone is cut out to be a landlord and why it's one of the hardest jobs out there

Call Child protective services pic.twitter.com/t0abLhgBFi

— Clown World ™ 🤡 (@ClownWorld_) April 9, 2024

Waffles, syrup with tons of sugar, eggs, more sugar, cheese, more sugar, ketchup. Only Everclear is missing for kids to have a fantastic day with that meal.

Slackernews drama: https://news.ycombinator.com/item?id=39969633

Zoe 32, San Antonio TX

Reddit thread - https://old.reddit.com/r/CalebHammer/comments/1bwjhrx/published_on_youtube_trailer_trash_woman_stealing/

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

Car payments of regular Americans are close to the per capita GDP of China. pic.twitter.com/CEQd0BNiDA

— Richard Hanania (@RichardHanania) March 30, 2024

!burgers !commies

23 year old

Mother pays for (inclusive, not exclusive) -

• 1200 a month rent? Lease ends in April

  • "Everybody has rent. Rent sucks" timestamp

• Lyft rides to the golf course and everywhere else

Caddy Jobs -

• He thinks 3000 a month once things pick up from talking to the other caddies, brought in 400 last month

  • Wait no actually he's leaving in 3 months

• Likes being a caddy?

Caleb's shilling BetterHelp now

Muh mentals

• Claims "really bad ADHD" makes 9 to 5 impossible timestamp

  • Has been going to therapy for "a while" (10 years), gone through 4-5 different medications

Education

• for college will be moving to NYC

• wants to do a year of Community College to raise his GPA, he's not sure how much he can raise it

• Way too far away to commute to the golf course

• College for Cyber Security

  • I couldn't handle working with this fricker lmfao

  • "I think that being red team on a Cyber Security job would be fun"

• "Certified with Cyber Security" through Google career cert

  • has applied to over a hundred jobs, not a single interview

    • Later clarifies that he applied for about a week and then gave up, this might be a different application spree but I'm not sure timestamp

  • Resume is shit and has no idea how to make one

• "High school was really really rough for me... I effectively tested out of high school"

  • Went to college for a couple years and "fizzled out" with covid, later clarifies that he "tanked out of college"

• "I had a bit of a stint of I don't want to go back to school because I'll make my own way and blah blah blah Internet redpill stuff"

  • "As much as this is possible I've been failing with consistency so hard that I need to go back to school"

"Do you follow pro golf at all?" timestamp

• "If you look up a couple people like [name] and [name] they come out to that club"

• Looking to get a scholarship for gaming "esports"

  • "I am a very high level g*mer, I play Overwatch" timestamp

  • Caleb slaps him down, this guy was third best in some game he shared and he copes massively for the next few minutes about how stats aren't everything

  • ranked 41 in America "multiple times"

    • Currently "somewhere in the top 500" he thinks 220

  • If he manages it this would be close to a full ride

  • He pays for a pro Overwatch coach - $35 a session? Only one so far?

    • Coach works at a school that he might want to go to?

  • He streams his Overwatch (sometimes)

  • His girlfriend took the PC during a rough patch

"What if I just don't feel like getting a job right now?" timestamp

Finances:

• Near irrelevant since his mother is basically paying for things? I'm confused about this because I don't think he admits this but the 1200 a month has to be coming from somewhere

  • Later details on the mother timestamp

• Tries to explain why he's spending so much on his stupid shit timestamp

  • More justification about how tough it is and how expensive things are listening to this subhuman talk about a mom-funded Lyft trip to the store is actually making me mad

• His card is interest free right now but will be 35% interest in 2025, he's not even paying it off lmfao

"You either lied before or you're lying now, choose which one" timestamp

Original thesis was to hold long call options for TSM earnings run up but this stock kept tanking and forced me to continually average down and fricked me.

My current avg is around 1.5 and is the market value today is around 0.3 (-80%). They do expire 4/19.

Does this even have any chance? Just depressed... and honestly devastated at my stupidity.

just average down, it literally can't go tits up

Video Link -

• Married at 22, divorcing at 23

• He can't stop spending, he doesn't help with the finances timestamp

• Why a divorce? timestamp

  • Went to therapy, decided they weren't compatible

  • Soy keeps talking about "trauma" while based wife talks facts and cold analysis

  • "He's a crier and I'm not"

  • "It happens so often that instead of consoling him I roll my eyes, here we go again"

    • She's perfect bros

• Wife wanted to come on the show

Finances:

• Three bedroom house with a roommate

  • Will continue living together post-divorce, different rooms

  • "What about dating other people won't it get awkward and stuff?" timestamp

    • "That... I'm probably not gonna get into that until later until I actually get out of therapy personally"

  • Just moved into that house, decided to divorce slightly after the move

  • a year left on the lease

• "He could probably burst into tears at any moment" timestamp

• Scores

  • She says 0/10, he thinks 3/10

• He's cut off his mother because she's "narcissistic" timestamp

• Spending

  • Tiktok marketplace timestamp

• Card 1 ($6969) timestamp

  • 410 minimum payment

  • She didn't know about this card until after marriage

  • 171 interest, 250 in new purchases

  • lot of useless shit on here

• Card 2 (3'233) timestamp

  • 3'200 limit

  • Over the limit at the time of the statement, made payments since?

  • "After I gave him my emergency fund to buy his new car I then had to go fix my car which was $2'500"

    • Stick insect freak didn't have an emergency fund of his own

  • Had to replace the "arms" on all four of her tires

  • Gym membership that neither doesn't uses

  • Gollum takes pot shots at her from behind Caleb during this segment, little freak sitting there all smug

• New Car (16'207) timestamp

  • 6ish percent interest

  • $326 minimum payment

  • 2022 Chevy Spark

  • The Freak tries to explain his financial reasoning and upbringing, I don't understand it because he doesn't understand it. It's a inhuman thing trying to masquerade as one of us.

  • His father cosigned for it

• She has a Chevy Trailblazer 2006, no debt on it

  • 230k miles?

  • [Midge tries to gloat calling the van a shitheap] "He thinks he knows a lot about cars"

• She nearly beaned him with a box when he started questioning if she really loved him timestamp

  • He deserved it. NTA. This woman is a queen.

• Checking account deets timestamp

  • The creature tries to speak and is immediately slapped back into into reality

Some Loans

• 1200 - to family friend

  • Friend owns a furniture store, no minimum monthly

  • She wants to keep the bed but is open to selling it to him

• 800 - to father in law

  • His father in law, bills from old apartment?

• 5000 - to parents for wedding

  • This was a gift but she feels obligated to pay them back since they are divorcing so soon

• 1900 - financing an appliance

Spending Graph - timestamp

Careers:

• He's a front desk guy at a hospital timestamp

  • The dynamic here is really interesting, she's got a better idea of his income than he does

  • Just started full time, part time for the last year, 1400 then, around $16.00 an hour now?

• She also has the same desk job kind of thing, I assume paid the same?

• He is trying to start a graphics art design thing?

  • Both went to school for graphic design

Guys you’re dunking on poor people. That’s who most commonly uses these apps. pic.twitter.com/SfXiig4CoM

— Justine Barron (@jewstein3000) March 23, 2024

pic.twitter.com/QLo3raTEte

— Rothmus 🏴 (@Rothmus) March 23, 2024

OC