Harold 
, 22 , Houston, Texas
"I didn't know how interest worked until maybe four days ago"
Guy does not comprehend how fricked he is if he doesn't get a new job immediately
Nearly 90% of his income is going towards needs
Income -
Physical and Occupation Therapist Assistant
Straight out of High School
week $17.50
weekend $18
30 hours a week
1600 a month before taxes
Wants to become an accountant
Living Situation -
Lives with Grandparents, has been for 20 years
Parents 'not in the picture'
Plans on moving out
Debt/Expenses -
Lots of eating out, Door Dashing and Dollar Tree visits
Usual "I've changed since the statement" spiel (it's a week and a half)
Late fees
Financed a washing machine for his grandparents
- $135 minimum monthly payment (has already missed payments?)
Car Debt
2018 Mazda 3 sport 93200 miles on it
16'870.63
$286 payment
3.99%
School Debt
Went to Boston University for 2 years, dropped out 'because [he] didn't know what [he] wanted to do'
- Degree in International Relations
Interest Rates 3-6 percent
~170 minimum payment?
Total Minimums:
- $700, more than half his income
- $700, more than half his income
Grandparents are in 20k debt, late sixties early seventies in age
On his grandparents insurance
Pays multiple people's car insurance
His is $168
$309 monthly in payments on other people's insurances?
Credit Cards:
Discover Card - $1700, 25% interest, $40 fees
- He keeps doordashing Mcdonalds even with the late fees
Attempting a Balance transfer
Spent $59.20 on gas last month
$71 internet bill
Career -
Wants to get into accounting
Plan is to become a firefighter for a couple years?
Savings -
4% matched contribution to 401k, 2500 in there
Has a balance around $1200
- last month had more hours worked than last time
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What sucks is it sounds like he's trying to help other people and doesn't understand money because no one around him ever understood money. He probably wants to be an accountant so he can learn how to do all the shit he doesn't know how to do now. I actually feel for the guy.
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