Listening to this in the background and taking notes when something seems interesting so any and all of this could be completely wrong 
Fiance has a small student loan and a small credit card loan (that she knows of)
Fiance blew his Achilles, only just getting back into work, job at specialty hospital bed company, I assume for 
$5000 to $6000 saved prior to all this
36 years old
Works in some sort of victims of violent crimes advocacy thing
Take home is a little less than 5000 month
laid off twice last year
got into issues with credit cards
laid off in a tech sales position, then a position at a real estate tech company
- Founders of the latter helped her find her new position
"Not in a great place" "I thought I could rely on the credit cards and I wasn't making lifestyle changes"
- Working part-time at Target/Costco?
Breadwinner in her household?
Delayed wedding because of the money issue, lost deposits on a few things "only a few hundred dollars"
"What does he think about your financial situation"
"I don't think he knows"
....
"I pay all the bills"
"He knows about a few credit cards, not that they're maxed out"
"I don't want him to have to change his lifestyle if I can't keep up with it"
- based gender equality
General Financials -
Start of Month - $671
End of month - $304
Paid for "Experion credit report" $20 recurring
"Credit Fresh" $150 - "A lot of credit that I need to pay off"
Labeled one of her credit cards "savings"
No savings, no emergency fund
Debts -
Maxed out Capital One Card 1 ($876.15)
$32 minimum payment
$21.70 interest
Capital One Card 2 ($543.87)
13.64 interest
minimum $30
"My dog god sick so I kind went crazy and applied for a bunch of stuff and just kept it?"
Was not working full time at the time
Credit One Card 1 ($573.87)
Not maxed out
$30 minimum payment
13.64 interest
Credit One Card 2 ($908.15)
Maxed out $32 minimum payment
$10.04 interest
Still purchasing on it
Credit One Card 3 (908.15)
Minimum monthly $32
$20.70 interest
28% interest?
Aspire ($378.41)
Minimum Payment 35.47
$10.47 interest
"Verv"(?) ($1267.37)
Minimum payment $51
$30.58 interest
Not sure I heard that name right
Still purchasing on this card despite having been watching to the guy's videos for at least a month
Prosper Maxed out ($1463.31)
Minimum payment $48
$33.68 interest charged
Made purchases on this one too
32% interest?
Petal ($1959.54)
$40 under the limit
$59.30 minimum payment
$40.11 interest
Apple Card (???)
Repeatedly declined
interest charged was muffled, I think I heard "hundred" in there
minimum monthly is $85
Credit Card (44??)
- ???
Personal Loan ($2'100)
Estimated 20% interest
minimum $150 payment every two weeks
Car - $18'535
Buick Encore 2016 - 9'000 on it when purchased
$576.15 monthly payment
$201.93 interest (20% interest)
Bought at beginning of Covid, somehow this is the refinanced.
Five year loan
$1308 TOTAL MINIMUM
$450 A MONTH LOST IN INTEREST
35% OF HER TAKE HOME PAY
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Women
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lol i was just watching this episode with a 300k annual income doctor
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Millenials
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I would just fake my death and live off the grid at that point
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The argument is that while it's possible to argue for some entity in Tolkien's cosmos to be known to be "transgender" due to a corruption of their nature, whether or not their "transgenderness" is inherently a quality of their nature or a corruption of their nature is inscrutable to all but the entity themselves and possibly Ilúvatar, but that even if some other entity perceives it to be due to corruption, that per Ilúvatar (or this narrator's representations of the words of Ilúvatar, being the narration given by Pengolodh), that such is mere perception, and that ultimately all that which Men do translates to the completion and perfection of the work.
That Men (those of the race of Men) have a necessary inherent quality which redeems them and their actions, a part of their nature which they express (and which, in our parlance, no one can judge). Even the Creator refuses to condemn it - only celebrates it.
And IMNSHO Pengolodh (the narrator) is Tolkien's self-insert for the purpose of narration.
So "trans people don't exist / aren't valid" isn't an argument from axioms in the universe of Middle Earth. That's related to, but separate from, "here's a trans person in Middle Earth", which to my knowledge isn't in evidence. I want to be argued away from that / be proven wrong.
I wrote the analysis because using Tolkien's Middle Earth to say "Tolkien says trans rights" is using his cosmos as an allegory, which he alternately declaims and claims (the "it's not an allegory to WWII" claim and the "It's the story of Christianity in an alternate universe" claim - both detailed elsewhere). So it's a viable avenue of argumentation - if he's going to deconstruct and then orthogonalise the precepts of Christianity into an alternate history, then we can deconstruct and orthogonalise the precepts of that cosmogony back to ours.
Snapshots:
archive.org
ghostarchive.org
archive.ph (click to archive)
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