EFFORTPOST with a business degree and a mountain dew addiction working at a call center moonlighting as a DnD dungeon master for hire

Ron, 33, Nashville TN

Self-rated 3/10 situation

Personal Life:

• Falling out with his parents

  • Says father was emotionally abusive/manipulative

  • Has since mended bridges with them somewhat?

  • Asked if he could move back in after getting a remote job, they said no

  • Good relationship with his mother, bad with his father, they are still married?

    • Mother makes 200'000?

• Debt from early 20s moving out of his parents house

  • Story time about being a boozer - timestamp

  • Was van living for a little while so more money to party

    • Stopped in late 2019 early 2020

• Addicted to Mountain Dew timestamp

  • Goes through 2 a day, doesn't buy from stores, just from gas stations or dunkin donuts?

  • "If it's a bad day I will go and get more"

• "Do you have diabetes?" timestamp

  • "Not that I know of, I haven't been to a doctor in 5 years"

  • Blood sugar test timestamp

    • "I don't have diabetes by the way I just have all medical equipment possible because I'm afraid of something going.. bad"

    • New Caleb lore - he is terrified of needles and blood plus is some sort of paranoid

    • Apparently he does not have diabetes?

• Brother had addiction stuff as well? (marijuana and alchy)

Career:

• Tried to apply for real jobs out of school, never got callbacks

  • timestamp

• Call center 40 hour week

  • $18 an hour

• Starting a second job in a couple weeks

  • Variable, $18.50 after 5, $20 weekends

  • Also 40 hours?

  • Call center stuff but different from the other call center

• Some online stuff

  • Runs DnD games online

    • 3 hours a piece depending on how much he needs to prep

    • $600 a month or so

      • 1 game ended

    • Using some site for this that pimps out DMs

    • Made 10k last year from this

    • Runs these games through his phone? "Only reason I bought it"

    • uses Fiverr people to do stuff for it?

• Got a cat recently, photo shown to camera timestamp

• His mother gave him 1'300 total last month

Expenses:

• Mountain Dew:

  • Unreal amounts of mountain dew more than $400 a month

• Rent $1230

  • Low end, not a great neighborhood, pays for laundry not within complex?

Debts:

• Discover Card (Card 1) Around $3000: timestamp

  • Had to put car repairs on it?

  • 4 tires and some maintenance stuff

  • Minimum monthly maybe $30? He's not certain

  • 25% interest

  • Had paid off the card with a personal loan years prior to the car repairs

  • Dunkin Donuts - 2 Dews for $4 "That's how they get you"

• USAA (Card 2) $7712:

  • 20% interest, $631 lost on interest this year

  • Did not spend anything on there

• Costco (Card 3) $908:

  • Paid 218 but made 185 in purchases 14 in interest

  • Credit limit of 750

  • Thinks the purchases were all unnecessary

  • 30% interest

• Car: 2010 Toyota Camry

  • 130'000 miles

  • $5438 left on it

  • 4.99% interest rate

  • Bought right before the pandemic hit

• Personal Loan $18'173 timestamp:

  • 2 or 3 cards, and the rest of the loan balance of the van he had, has since sold Van

  • $584 min payment

  • originally 25'000

Student Loans:

• Majored in Business?

• Southern Hampshire University?

• $38'900 federal student loans, Probably 470 minimum payment

• These are why he decided to get a second job

Savings:

• Checking

  • Gets money from his mother?

  • 26.76 => 5132 - 3918 => 1247

• Business Checking account for his DnD thing:

  • "Cloak & Dagger LLC"?

Budget Section timestamp:

• -$1231 between minimum budget and basic survival currently without the second job