Forgot to paste this into the link spot

Mel, 22, San Antonio TX

Personal Life:

• Lives with her boyfriend, splits rent/utilities

• Wants to work govt job for student loan forgiveness? Nothing specific

• Boyfriend

  • Manager at Lackland Air Force Base - timestamp

    • Something about videography?

  • He's planning on going back to school, got a degree in fine arts/photography wants to do cloud computing

Career:

• Personal Shopper

  • HEB

  • 25 hours?

  • 300 a week, depends on hours worked

• Grad Student

  • Got undergrad in Marketing last May

  • MBA

  • Taking out debt, took out debt for undergrad as well

  • 12'000 a year tuition

  • "Why aren't you cashflowing it?" timestamp

  • Planning to be done next May

• Talent Acquisition at Ford "Social Media Coop" (?)

  • Remote work

  • 20 hours a week?

  • 850 - 900 twice a month

  • "Why is this Ford position not a full time position for you" timestamp

    • Started 4 months ago, thinks it is just a trial? Had it as a part time because she wasn't certain about how demanding grad school would be

• Total income $3000 after taxes

Expenses/Debts

• Loan ($2069 remaining)

  • Credit card consolidation

  • Some part of debt was initially because she wanted a Macbook for school

  • $90 monthly payments

  • "26 payments to go"

  • More than 10% interest

• "This past semester I took out $20'000" timestamp

  • Her excuses

  • Clarifies that this is for the whole year? More of her classes are in the evenings and shes worried they might cut into her HEB job

  • On top of existing 36'386 timestamp

    • incredible gymnastics on these rationalizations timestamp

  • All Federal

  • thinking about a PhD

    • Would be done in 2026/2027ish?

• LOTS of eating out timestamp

  • "I didn't realize how bad it was"

• Explanation of how she budgets timestamp

• Imprint HEB Card (Card 1):

  • "You get 5% cashback"

  • Pays it off, lots of subway purchases on there

  • "Favored Subway"

    • Some sort of regional doordash that's more expensive?

• Synchrony Card American Eagle? (Card 2) (not sure I heard this right):

  • $300 credit limit

  • $29 late fee

  • 30% interest on this card, "I got it a long time ago"

• Ikea Furniture Plan?

  • 0% financed apartment furniture

  • 546 remaining, her and her boyfriend split it, paid 300 on it last month,

  • minimum payment 37

• 2018 F-150 truck

  • parents pay for it, it's in their name and they pay insurance for it

Savings:

• $102 in her checking ($708 on hold?)

  • "I try to leave myself with at least 150 a week, that's my budget" timestamp

• Hasn't started a 401k, one of her jobs offers it with matching but she hasn't signed up

SHE THOUGHT HER STUDENT LOANS WERE ZERO PERCENT FOREVER

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