.webp?h=8 "Merry Fistmas!")
27 years old
Was going to kill himself but lost his bullet 
'Do you still have the gun?'
'Yes.'
'Do you think it's appropriate to still have that gun?'
'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 
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
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
Carmaxx auto financing
18.99%
$11'890 principal?
May 2022
$18'639 debt total, 11% of his salary is his minimum monthly
Investments
Put $1000 into Robinhood to play around with, lost it
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.
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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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