120k salary salesman living check to check, 18k in debt

https://youtube.com/watch?v=xfTyJ4rbh4g

27 years old

Was going to kill himself but lost his bullet :marseyxd:

'Do you still have the gun?'

:marseychadyes: 'Yes.'

'Do you think it's appropriate to still have that gun?'

:marseygigachad: 'Yes.'

Sales rep - sells shit to convenience stores

Lives in Las Vegas

A G*MER and a WEEB

  • Steam, Roblox, and Crunchyroll show up on the bills

"Never worried about paying pills"

"In n Out otherwise known as 'the worst burger ever'" - Caleb :marseychonker2:

Income -

  • Pre-tax: 120'000

    • 8k a month post tax
  • Was a manager at a gas station before this

  • Lot of working expenses?

  • "Two bank accounts 1 for all bills, 1 for personal spending account/work expenses, sub account for rent in a savings account?

    • High Yield Savings account for the money he's putting asside for taxes, paying yearly, not quarterly
  • No Emergency Fund (all goes to his debts, apparently)

Expenses -

  • Truckload of convenience store purchases

  • Massive numbers of Doordash

  • Card 'compromised,' someone bought a bunch of McDonalds and OnlyFans :marseythinkorino:

  • Was $1500 rent now $2000 rent

Loans

  • Valley - $2755 loan, started at 6 grand

    • 226 minimum payment, 41.63 interest

    • Had 4 credit cards, consolidated them in 2021

    • Between 18 and 22 when he went full r-slur with them?

  • Discover - Paid off every month

    • $44 in interest on this card
  • Motorcycle and Car Debt

    • Car - $172 monthly

    • Motorcycle - $3935 remaining

      • $314.97 monthly minimum

      • Not sure about the length, 'probably the longest it could be' 48 - 72 months he thinks :marseypoor:

      • Carmaxx auto financing

      • 18.99% :marseyxd:

      • $11'890 principal?

      • May 2022

  • $18'639 debt total, 11% of his salary is his minimum monthly :marseyemojirofl:

Investments

  • Put $1000 into Robinhood to play around with, lost it :marseyxd:

  • Made some superbowl bets (lost them too, sounds like)

Caleb puts together a plan to get him out of debt by the end of the year

  • This guy seems like he can make it. :marseyclueless:
14
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Man was about to kill himself over a 0.15 debt-to-income ratio lol

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I think the killing himself thing was back when he was managing a gas station, not certain on the timeline though

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It was kill himself or give up fast food

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You know these are fake right.

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I refuse to believe he could get so many competent actors and if he could he'd be having way more of them on for follow-ups

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These shows don't get viewers from success but by r-slurs that want to feel like they are changing their life

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Some days I like to wallow in WASPy self-pity for not being a dos comma club member, but then I remember people like this exist and feel better about about my protestant savings ethic

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HELP!!!! My boyfriend came in my boikitty while I was boivulating and made me boipregnant. I don't want a boibortion and I don't want to go through the process of boibirth what do I do? :marseyblob:

Snapshots:

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