Audit of a 31 year old simp and his 23 year old live-in sugar baby

Any and all of this might be wrong, I'm listening to this while doing other stuff

Paul, 31, Dallas TX

IT for Hedge Funds

Calls his finances a 2/10

• young 20s, 'a lot of mistakes made'

Tried going into business for himself 'VR Stuff'

• Didn't make up the difference in income but kept same spending

• Was doing 3D level design and IT work (sounds neat)

Was in the army for a while

• Lacks self-discipline when his routine is broken

Income -

• Base Salary - 69'386 (4600 a month)

  • Thinks he has upwards trajectory with his current career if he does certs

• 10k per year doing 'commission work'

• Bonus - 1700

• 401k Match 4% match?

• Company does a doordash order every day for him comped lmao

Foid -

• 23 years old

• New girlfriend moved in with him 6 months ago

  • Had a job before she moved in

  • Not working yet

• Does 3d Modeling stuff

  • 'Really good at blender'

  • 'Trying to make assets she can sell'

• Can't drive, doesn't have a car

• Trying to find a job for the last 6 months

  • Couldn't even get a job at the local coffee shop

  • Has never seen her resume

  • Has worked at Walmart, CVS, and maybe a couple others

  • Previous job was at a pharmacy

  • (He breaks down in tears while discussing this) Timestamp

    • 'Every time I spend money it hurts'

• Credit card payment of $69 a month, he covers this (he covers all living expenses)

  • 'Why are you paying for that?!'

  • Has no idea what the balance on the card is

    • "She won't tell me... I think she's protecting me from the stress of knowing"

Expenses -

• Utilities

  • Rent $1086 (Expects this to go up because he's in an apartment that's way better than the cost)

    • 6-7 months before lease is up

  • Electric $188

  • Sewer $37

  • Water $24

  • Gas $20

  • Trash $15

  • 'Storm Water' $182

  • internet $100ß

  • Phone $140, $90 comped

• Thought that by his thirties he would be millionaire or more

• 'Every time I try to budget something in my life changes'

• 'Because my month to month changes so much'

• Funny payments for 11labAI, Groomercord, fast food, Steam Games, Unity Apple Payments that sound like large microtransactions and Hooters

  • Says apple payments are because he bought a new iphone

  • 

Debt -

• Total $25'672

• Car taken in 2019 (was 14'000 initially?)

  • 72 month 15.57%

  • $157 minimum payment

  • Credit was terrible so not able to refinance in 2020/2021

  • Late fee assessments, a lot of them holy shit

• Two things in collection

  • Collections:

    • It was worse, there was actually another 10 grand I paid off

    • #1 - $1691

    • #2 - $2679

    • #3 - $13'993

      • 'Midland Credit Management'

      • 'While I was in the army I got some credit'

    • Didn't know about one until he got a letter in the mail

      • Brought an envelope in to ask for advice

      • 88 bucks on rent that he never bothered paying off lmao

    • 549 credit score

Saving -

• Started month with $17 in the checking

• Around $3k in Peercoin

  • Has it staking, returns 5% annually?

• 2k in 401k?

Dreams -

• Wants to open an internet cafe with microtransactions for better internet