.webp?h=8 "Merry Fistmas!")
Lael, 23, Berlin NJ
Rates himself a 2/10 financially
591 credit score?
He cuts up his credit cards on camera 
timestamp
Real Estate (for the last year?), Realtor?
- Got license 2 years ago, did nothing with it for a year but pay dues
Personal Life:
Went to school for Nursing
- Didn't handle the transition to online only well so he dropped out
Mother booted him out for reasons, allegedly not personal
lived with aunt for $500 a month (very cheap)
- Moved out and now pays $600 a month
Paid to sign up for Dave (didn't go through with it)
- he dodged a bullet here lmao
Income/Savings:
- 15'000 so far this year, in contract to make another 15'000 within the next two months
DoorDash
Fluctuates
Between 600-1000 a month
918 last month
Sperm Donor 
"A good month, $900"
- "Sometimes they have bonuses I made 3000 one month"
"Donated at least 250 times"
"Can't go more than 3 times a week"
Started month with $16 in his account
- No savings, no emergency fund. Claims he has prioritized his debts
Expenses/Debts:
$28'478 total CC/Student Loan debt?
$250 a month in gas
Not setting money aside for taxes
- Only now making enough to be taxed lol
Purchased an old Tesla
Car was $550 a month, insurance was another $330 a month
Got into an accident, not his fault, got insurance payout, bought a much cheaper car
Current Car
2015 Hyundai Sonata
8'500 balance
16% interest rate
$212 monthly payment
Lot of spending, a few credit cards
Losing significant money on interest
Lots of late fees
Opened a card as a balance transfer, didn't bother paying it off and now it's horrifying
$7'000 in student loans (5k subsidized, 2k unsubsidized?)
- all federal
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16% interest rate on a car.
Holy frick.
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It's fine it's only $212 a month. Should have squeezed in another $100 or so since why not right?
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People think becoming a realtor is some kinda cheat code for free easy money, but the reality is something like 75 percent of all realtors dont make it to the second year. It's really easy and you can make a ton of money without any education but that means ludicrous amounts of competition for new agents. But as time passes your former clients will give you more referrals and that snowballs so there might be hope for him yet.
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People also us realtor as an excuse for massive life style creep so they can "look the part"
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That seemed like what was going on with that "just frick my shit up" looking $50 haircut.
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Snapshots:
archive.org
ghostarchive.org
archive.ph (click to archive)
timestamp:
archive.org
ghostarchive.org
archive.ph (click to archive)
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