Duncan 26, San Antonio TX
$57'303 total debt
$880 minimum monthly payments, 41% of his current income
At least $400 interest accruing each month ignoring student loans and stuff in collections
First truly mentally ill person on the show, he weirds me out a little but I might be just paranoid. I don't trust people who cry on camera. I've timestamped some of the oddness, not in chronological order
Self-rated 3/10 financially
Has been watching Caleb for "a couple months" hasn't started budgeting
- cries from stress of his situation? Tries to explain his failures in past attempts to budget timestamp
Diagnosed with "Bipolar II Disorder" plus some backstory, only recently got meds
Career:
Delivery for Tiff's Treats and somtimes on-duty manager on weekends, does Grubhub/Doordash on the side
"I got deactivated from Grubhub for some reason" timestamp
Drives company car so his gas payments aren't bad
Currently making $23 an hour and $18 as the stand-in manager
hours cut, losing insurance in July (sales down year after year)
nervous laughter here timestamp
financially struggling
only 6 stores in his district
Personal Life:
Lost his last credt for film grad because Covid and classes/grades fell apart afterwards near beginning of covid?
Was taking classes last semester? timestamp
Not this semester though so Student Loans are active now
Sudden jump from verge of tears to recitation of the canned youtube comment line about finance needing to be taught in high school timestamp
"I think that's a big detriment to the American education system, nobody gets taught finances, ever"
Wants to go back to school for a business degree but can't because of his current situation
Savings/Expenses:
Nothing in retirement
USAA checking
Monthly balance $225 -> 281
Spent money on Uber Eats, overly self-deprecating statement to dodge timestamp
Same dodge trips to coffee shop/donuts/general eating out timestamp
Shared checking with him and his girlfriend
Pays to do gig work? Not sure if I understood that right
$766 last month just on fast food/eating out (36% of income)
Swipe savings
$7 -> $161.85
$224 car insurance payment since he got into an accident uninsured
Debt:
Says he has a terrible credit score (551)
Was at 630 3 months ago
Found a credit repair company he's been thinking of reaching out to
Student loans (paying interest only) Variable Interest Rates
$13'316 14% interest
10% interest
10% interest
Car Max Loan
$16'584 remaining, 421 minimum monthly payment (he's got another 400 past due with a 21 late fee)
10.45 interest rate
"All three of the credit cards I emailed you are in collections" timestamp
USAA credit card
Some old Visa
Coles Card
Owes $63.23 on "Afterpay"
Also on Paypal, Affirm and Klarna "I made a series of really really bad decisions"
- Affirm is 1k
"And it's just this stupid stupid anxiety of not knowing what I'm gonna have left" timestamp
Personal Loan
took it out a year ago because he was "freaking out about money" at the time
1'400 balance
Personal Loan
$986 "one of those finance app where you pay a certain amount and you get the rest of the loan back"
Not paying this one?
Owes Grandpa $4'500
"terrible situation"
First car he bought died, grandpa co-signed for a new car
- got t-boned and did not have insurance
Has had 2 cars get totaled while on job?
$10 monthly payments, it's informal
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