Sam, 26

Michael, 28

Rio Grande Valley

Personal Life/Career:

• Recently married, April 6th this year

  • Engaged for 4 months

  • Dating for 4 years

  • Never talked about finances before getting married?

• Assistant Manager (Her) timestamp

  • 2'100 a month roughly

• Truck Driver (Him) timestamp

  • 2'400 a month

• She is currently in school? timestamp

  • Studying Social Work? Doing a Masters

  • She has student loans but I did not catch what they were

Financials:

• Combined finances less than a month ago, she added him to her account

• "Different opinions" on spending timestamp

  • She says she's more frugal, he likes spending on electronics and vehicles

  • He Upgraded to new iPhone, FOMOS into newest thing

• How do their financial conversations go? timestamp

  • She says she wants to pay off debt quickly, "to zero as fast as possible" even if it's 0% apr

  • "He sees zero apr and he's like oh, we don't gotta pay anything at all"

• They have zero in their savings (paid off some cards recently)

• She paid off a few things that were at 0 instead of another 0 that was about just hit the interest period timestamp

  • "To be fair he signed up on a property without me knowing"

  • 120'000 property? He told her he was going to look and he ended up buying it on sight? "Owner to Owner financing"

    • Before marriage

    • Paid 117'000 with financing?

    • Applying to refinance "soon" timestamp

      • Currently at 12% over 30 years

      • they want a lower monthly and fewer years

  • Specifics timestamp

    • 6'000

    • There's another 6'000 that went to paying the parents?

      • Paying back parents for wedding?

• Built a 860 sq ft "frame house" on the property timestamp

  • Property is 3 acres

  • Building the house cost $37'000

• Score timestamp

  • He says - 8

  • She say - 4

• Credit Card 1 (Wells Fargo) ($4'120) tiemstamp

  • $42 minimum payment

  • 0% interest until October

  • 92 in new purchases

  • CC was opened because she wanted to start a business timestamp

    • Coffee cart selling expresso drinks outside markets

    • "Got busy" so she couldn't keep doing this, sold all equipment - didn't make money? timestamp

      • Awkward laugh when asked what she got from the sale? Got 2500 back?

      • Spent 10'000 on this?

      • Got a job because this wasn't working well?

• Credit Card 2 (4'028) timestamp

  • Interest about to start accruing

  • Paid 5'000 - claims she doesn't remember where she got this

    • Balance was 9'000

    • After getting pressed, says it was from a 20'000 personal loan

  • 92 in new purchases

• Personal Loan (21'749) timestamp

  • 21% interest

  • Gets pressed hard on why she traded 5'000 at 0% for a 21%

  • more info timestamp

    • In her name

    • They didn't know it was $21'749

    • Weren't able to make any minimum payments because of his motorcycle? timestamp

      • He doesn't even use it and now it's busted - front shock went out and it would be a 2'000 repair bill

  • Paid off the bike with this timestamp

    • 227 a month

    • 7'000 balance on it

    • 7% interest rate

    • Bike's used value is around $9'000

• She remembers why she paid off his credit cards timestamp

  • She did not like the monthly minimum payments?

  • "I don't know what I'm doing"

• Credit Card 3 (Lowe's) timestamp

  • Paid off, one of the things in that personal loan

  • Would have been interest free for another couple months?

  • Ate a late fee at some point

  • Was 2'000

  • Paid for a washer/dryer on here? timestmap

    • 0% financing at Lowe's

    • Her dad had given money for washer/dryer, he used it for the wedding and 0%'d the washer/dryer. She did not know about this and thought they were paid for in cash?

      • Her parents are divorced

• Credit Card 4 (Discover) ($10'656) timestamp

  • To build the house - he clarifies that it was finishing the interior of the house

  • "Because we didn't have the money for it"

  • He has never watched the show before - she has

  • Roughly 3000 a year in interest accruing on this?

• Credit Card 5 (City Simplicity) ($5'909) timestamp

  • His, she paid this one off as part of the personal loan

    • actually this was with the wedding gifts? 6'000 in wedding gifts? actually the wedding gifts and some savings?

    • Actually it was a different much smaller card she paid off

  • 0% interest

    • He thinks this ends by August

    • Actually it ended 3 weeks ago

  • $59 minimum payment

  • 29%

• Credit Card 6 (Home Depot)

  • Paid off

• Credit Card 7 (Capital One Savior One) (Paid off) timestamp

  • A bunch of Amazon purchases on this one - for the wedding?

    • Lights, table covers, etc?

• Credit scores -

  • His is 630

  • Her's is 695 (last she checked)

• "How did she convince you to come on this show?" timestmap

  • He didn't want to come on

  • He didn't watch the "on-boarding video" because "she didn't tell him about it"

  • they try to justify their financial opinions timestmap

• Purchased a water slide timestamp

  • He is trying to make money with this by renting it out?

  • $1'600 total

  • Hasn't been able to rent it yet?

• Bought some pc fans timestamp

  • He's been playing Helldivers 2

• Attempts to convince them not to be r-slurred timestamp

• He has 3 vehicles timestamp

  • 1 at his house

  • 1 at parent's garage

  • 1 his dad uses

• Checking Account ($31) timestamp

  • Disastrous amount of eating out

  • It's like they think credit cards are literally free money

  • 453 just on going out to eat

  • Phone bill is $185 (they both owe on their phones)

• An attempt to explain how interest works timestamp

• Budget time timestamp

Most Based Comments

Basedness: 🔥🔥🔥🔥🔘

You seem like you're proud of yourself for driving in the passing lane when you passed few cars. Pass a car and get back in the right lane. WTF (125)

Washington state law says that I can stay in the left-hand lane as long as I am overcoming cars. I was consistently faster than the traffic in the right hand lane. I was going well over the speed limit. Also, it's not actually illegal to pass on the right hand side. It's just poor taste. But you can see from the video very clearly that him passing on the right hand side only allowed him to get one car ahead, and perhaps the blame should be placed on the silver car in front of me for not moving over so that I could pass them myself. (-31)

Basedness: 🔥🔥🔥🔥🔘

Goddarn this video was so pointlessly long. Slower traffic keep right dude. Overreaction from the jeep but don't just sit in the left lane. (92)

I was passing everyone. You're just wrong. If they stayed behind me, we would have gone faster once we got over the hill and the car in front of us moved over. This man is insane, and if you feel any sympathy for him, you're insane too. ❤️ (-34)

Basedness: 🔥🔥🔥🔥🔘

He is an unhinged peepee, but you belonged a lane over based on how many people you didn't pass.Stay right unless passing. (89)

I was going faster than the right lane, and the silver car shown on the front-facing camera was in front of me the whole time. I refuse to tailgate just to get them to move over. The silver car was also going faster than the right lane. It was also an incline. You're just wrong, oregontittysucker (-38)

Angriest Comments

Angriness: 😡😡😡😡😡

Still passing? Move over! If i was driving 90 I would let that guy pass. Then you say he is driving slow when there is a car in front of him. The other guy is the really idiot though. You don't know who's the other driver. Dont play yourself, you would have probably went to jail for assault if you ran him over (not really sure though).No one is perfect we all do stupid shit driving. Accept your "stupid" and don't let someone else's "stupid" get you killed. Stay safe out there. (8)

Angriness: 😡😡😡😡😡

The guy is an obvious douche, and should not have reacted this way. But you were definitely left lane camping. I really wish people would realize how dangerous and rude this is. The left lane is a passing lane, and if you aren't passing you should move over. Left lane camping is proven to be more dangerous than speeding, and it causes traffic jams. It is mind blowing to me to see a long line of cars in the left lane following one slow car that won't move over, then in the right lane there is no one. I lived in Germany for a few years and people take this seriously due to the fast speeds on the Autobahn. Again, this guy is an absolute idiot, but you were in the wrong too. (47)

Angriness: 😡😡😡😡😡

OP is the one in the wrong here about 70 times. He slows down when passing then speeds up when clear, literally the worst kind of driver on the road. (45)

Drivers who lose emotional regulation to the point where they stop and get out of their vehicle on active highways are worse. This is how multi car accidents happen. This is how people get killed.Drivers who act on their aggression, the ones who act on their road rage... They are much worse drivers than folks using the passing lane improperly.I don't understand how you came to your conclusion. (22)

Biggest Lolcow: /u/PaPilot98

Score: 🐮🐮🔘🔘🔘

Number of comments: 18

Average angriness: 🔘🔘🔘🔘🔘

Maximum angriness: 😡😡🔘🔘🔘

Minimum angriness: 🔘🔘🔘🔘🔘

NEW: Subscribe to /h/miners to see untapped drama veins, ripe for mining!

autodrama: automating away the jobs of dramautists. Ping HeyMoon if there are any problems or you have a suggestion

‘only white girls..I love girls your type..your color’ pic.twitter.com/vt5nYLK0M9

— The Daily Sneed™ (@Tr00peRR) June 9, 2024

>their own c*ntries

this was in Toronto btw lmao

also lol@him being called joo when his profile is like this

joo paranoia is one of my favourite part of terminally online schizos

anyway

meanwhile foid in question:

oh those silly wignats

Link to thread REEE THIS IS RUSSIAS FAULT edition

"Why are they hecking voting against my their interests???"

"I can't believe my people are voting in this Nazi scum again."

This cute twinks posts in /r/196, I can bet my entire coke stash on him neither being working class or ever identifying as German irl. Neighbor who is your people, child molesters????

"Umm sweaty... This is illegal and like you are r-slurred if you don't vote like Plebbit..."

"Wage suppression, union breaking? Supply and demand? No, illegal immigration is actually in the interest of the Slavshits working in VW factories, the hecking share holders are just greedy."

"Ummm I'm German and I'm tanned and people hate me checkmate???"

Yeah I'm sure it's cause you got the mayoest of tans Snowroach.

RUSSIA RUSSIA RUSSIA RUSSIA

RUSSIA RUSSIA RUSSIA

RUSSSSIAAAAAAAAAAAA

"Kinda thinking that attack (Mannheim) was planned by russia now."

What are Redditors gonna do when all of a sudden the US and Russia vanish into nothingness? Blame China of course.

There's no context to this contest beyond "post whatever" but I did only pick the things that personally amused me, so if your "submission" isn't here it's because it failed to meet the extremely low bar of making me exhale a larger-than-normal amount of air out of my face when I saw it. Sucks to suck straggot. There's also a super secret easter egg hidden within the contest. See if you can spot it!

AND THAT'S WRAP... 🥲

Yesterday we found out that a majority on the Thornaby FC committee, led by Trevor Wing, voted to remove the entire female section from the club.

Under 7
Under 8
Under 10
Under 11
Under 15
Women's

— Thornaby FC Women (@ThornabyFCWomen) June 9, 2024

Context: https://www.independent.co.uk/news/uk/home-news/thornaby-fc-football-beth-mead-womens-team-cut-b2559738.html

An English football club has come under fire after its committee voted to remove its entire female section – from the under sevens to the first team – leaving more than 100 players without a club.

News of the decision made by Thornaby FC's committee was revealed on Facebook by a page for the women's section, who expressed their disappointment at the remarkable decision.

“Yesterday we found out that a majority on the Thornaby FC committee voted to remove the entire female section from the club,” Thornaby FC Women wrote.

The announcement:

Randomly selected r-slurs:

All the moids who voted for the logical financial decision have resigned:

https://twitter.com/BBCTeesSport/status/1800129179524215257

/u/uk thread

How would you rank IMDb’s top 10 movies of all time? pic.twitter.com/Mxeu4YybIO

— cinesthetic. (@TheCinesthetic) June 10, 2024

Yikes imagine not trusting the kino science:

Do you concur?:

!kino

https://9gag.com/gag/aQz4KZ2#comment

You get a new generation of consumer tech almost every 2-3 years.

A new generation of Military tech takes about 30 years now.

We can already see that most US military tech orgs are filled with seat warmers related to politicians by this point in time.

The US military keeps improving there is no doubt about that, but the US consumer wing is improving at a far more rapid pace.

A large part of this is mega corporations that grow at a faster rate than military budgets ever could hope to.

The only reason we think US military tech is far more advanced is because there is a military technology monopoly right now. I bet any trillion dollar company could come in and eat their lunch if they were so inclined.

If mega corporations would freely participate in military weapons development the US military would likely be obsolete in 20 years time.

The Future of modern warfare will be letting mega corporations develop military tech for major world governments.

I bet apple could build a better tank than the A1 abrams within 10 years if it started now.

Lockheed Martin today is only worth 100 billion USD.

There should be a new weapons manufacturing company that should come out to replace Lockheed Martin like what Elon Musk did with SpaceX to all the other space companies.

If the US would legalize the purchase of tanks and fighter jets for the US public, it would open up multiple companies to race to build ever better products for the market.

Lockheed Martin was founded in 1995.

Boeing is even older. An ancient dinosaur that needs replacing with a more modernized competitor.

Currently the world is being run by companies that were all founded in the 1990's.

Hopefully soon these dinosaurs will be replaced by companies that were founded in the 2000's and the 2010's.

Today, of the top 10 companies from the year 2000, only 1 is still in the top 10, that is microsoft.

Of the top 10 from the 2010's, only 4 still remain.

By the 2030's, it will be fun to see only 1 remain once again, supreme over all the others.

I am betting on microsoft remaining the world's most valued company in the world by 2030.

Which company are you nerds betting on being the greatest in 2030?

This post rests on native land