/h/peakpoors House Vampire Founder
Gibberish gibb/erish :marseyautism:  1yr ago (youtube.com) 246 thread views #159602

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:
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Man was about to kill himself over a 0.15 debt-to-income ratio lol

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It was kill himself or give up fast food

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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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I see the poors are pretending to be big wallet niggas again est. 2016

Hello, welcome to 'I see the poors are pretending to be big wallet gangstas again'

This hole exists as a safe space for refugees from the Facebook(MetaTM groups of the same name. Of which there have been several iterations. We mostly exist to poke fun at the state of living in poverty. While it oftentimes is unavoidable, we do aspire to not be meanspirited. Over the years we have co-opted the term 'Peak Poor' to being someone who exudes poverty, regardless of their actual net worth. Trump and Elon both exhibit the peak poor ethos from time to time while still being the top 0.000001%. You can do something peak poor and still be a good person or a generally adjusted one. We all have a bit of poor in us.

We basically fill a niche similar to fatpeoplehate with a bit less actual malice.

PeakPoor is shotgunning mountain dews at 5 years old.

PeakPoor is not people dying of poverty. While technically the greatest heights of poverty is succumbing to it this is not funny, and is a failure

of capitalism. We do not make fun of poverty to be mean spirited such as that.

Read the room, if it's punching down too hard or really digging into someone whos a sympathetic character it doesn't belong here. (basically READ THE ROOM)

Sitewide rules apply

other rules

  1. Subscribe to this hole, it's important that we get our numbers up. Love numbers = peak poor

  2. Bonus points for making your post title some variation of peak poor. (Pinnacle of Poverty, Prowess of the Penniless)

  3. I am looking for a mod who will help me grow this place and encourage the facebook community where the majoryity of our members reside

to migrate. Contact me if interested.

I really do love you all so very much, i'm even spending drama coin to get some banners and marseys. thanks for being a part of the community.

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