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
.webp?h=8 "Merry Fistmas!")
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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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