EFFORTPOST Deep in debt egirl succubus tries to get her claws into king

Some or all of this might be wrong, was listening to this while eating :marseynerd:

Adriannah, 22, Austin TX

Could you fix her !straggots ? I think this one's beyond me

Self-rated: very bad, worst of her life maybe

Is our student loan debt being forgiven or no?

No

For real?

Yeah for real

Okay yeah, because I have 9'000 of that and I don't know how to pay it

Personal Life:

• Cut off while she was 17, :marseythinkorino: had to work two jobs in highschool

• Went to college full time (lived there)

  • 3 jobs in college, part time wedding videographer, streamed on twitch and took a lot of addies (perscribed)

• Had addictions at some point, claims to be over them

• Trying to save to move (thinking about doing a payment plan with the IRS)

• A family friend told offered to be her financial advisor and put her in life insurance ($100 a month)

  • Kvetching about customer service mansplaining and not letting her open a Roth IRA :marseywomanmoment:

• In therapy "One time I had a really bad incident where I thought the world was ending and I spent $500 at HEB"

  • :marseywomanmoment:

• "A lot of my financial things are from travelling since my parents are far away"

Career:

"Content Creator"

• Tiktok, Twitch, Instagram

  • 109k Tiktok, 112k Insta, 15k Youtube, 100 paid subs Twitch

• Trying to expand presence on youtube

Income:

• $6 a month from Youtube

• $4-6k average income across all platforms

Expenses/Debt:

• Total minimum monthly payments $983, a quarter of her income

• Wanted to consolidate credit card debt but hadn't done her taxes for two years?

  • Just got a CPA, doing all her taxes now

• Someone else is using her credit card?

  • I missed a chunk, not sure what's going on here

• Restore "Monthly Payment"

  • Her IVs? !biofoids please explain, what is an IV?

  • "I get IVs because I had problem with my hair falling out and when I drink I can't throw up so umm usually I'll get an IV so it restores me"

• Tons of eating out, fast food places

• $418 on a Salon :marseyfoid:

  • "I wanted to look good because there was a chance I would get signed and get a literal salary to this thing that I was literally led on since August to get signed to and they were like 'Come to LA you`ll have a better chance if you come to LA' so I'm like I need to look my best I need to be my best self before I come to LA. So I got my hair I got extensions but they weren't mine they're my mom's so I didn't have to pay for them I just had her put them in and then, those extensions ruined my life. So this is me getting my extensions out and my hair redone because I could show you my bald spot right now but I'm not going to, my extensions literally ripped my hair out and it was like a mess."

• $213 on an outfit

• Stopped doordashing since she started watching Caleb's channel

• Car

  • "Before you say anything I will not be selling it... but I am going to be refinancing it. But listen-"

  • Couldn't refinance because she let her out of state license expire and now has to retake the entire test

    • Apparently this is an insurmountable process for this egirl as by the time she got her license to refinance she was deep in debt

  • Land Rover LR4 2011

  • 400 minimum monthly, 9% interest rate, 72 months, got it at 19

• Student loans

  • $900 Federal

    • $150 minimum maybe?

    • Didn't graduate, year and a half going to school for film

      • "It was a waste of my time because I talked to the lady, I said what, how can I reasonably get a job with this degree after and she said 'you can do wedding videography for a company' and I said 'I already do that' so I dropped out"

Credit Cards

• All basically maxxed out

• Apple store $6996.24

  • "When I signed up for an apple card I thought it was just for the Apple Store and I wanted a macbook beacuse I was like I'm buckling in and I'm editing"

  • Minimum payment- 280.74 (will be paying 20k over 21 years if only doing minimums )

  • 3 things financed on this card

    • Macbook, iPad, Apple Pen

  • Wanted a macbook

  • Still spending on it, bunch of apple bills for buying app subscriptions? "I don't know what they are" "I don't really look at my things"

• American Express $10'831 - 27% interest

  • She loves this one because it sometimes gives her 'free' first class upgrades

  • "It wasn't my choice to have that limit"

    • Customer service told her they love her so she went with it

  • "I started a show, it's called 'Drinking with Dree' where I invite 3 creators on, and I would like to invite you on' and we [words words words basically a podcast]"

    • Was going to use it to prove herself to that company she thought was going to sign her

  • I think this succubus is trying to get her claws into 's $$$$ and clout

  • Interesting contrast between how they approached the eceleb game Timestamp

  • $50 minimum payment but pays more than that (and spends even more than that purchasing with it)

• Mastercard $3356.44/$3500

  • First card

  • minimum monthly payment around $40?

  • 24% interest maybe?

  • Paying it off but spending way more than she's putting on it

• Target

  • "because my other cards were maxed out and I didn't have money for a while I had to use my Target card even though I just paid it off because I needed to buy groceries... And I could this right now if I wanted to"

  • $153 previous balance now $374 "well because I bought groceries"

• Paypal Credit Card?

  • Used only for stream stuff and editors

  • 646.94/650

  • normal minimum is 40?

  • not sure interest rate

Savings:

• 2000 in a savings

• 1450 in a checking but 900 of that came out to pay the CPA to deal with the taxes

• 3000 in a Robin Hood

  • Never pulled anything out of Robin Hood besides Doge

  • "I like that it's in Robin Hood because I am impulsive and crazy"

  • Gets stock advice from some guy on Twitch

  • Over a year 2900 => 2230 => 3100