Oddly self-aware but scatterbrained e-girl trying to survive on 50'000 in Austin

Massive improvement over the alcoholic harpy link

Lisa, 22, Austin TX

Personal Life:

• Lived in a small town in midwest but moved to Austin

• My mom didn't graduate high school and my dad barely graduated high school"

Career:

• Twitch streamer

  • Has tried to branch out but "hasn't felt the motivation" to actively put content out elsewhere

  • "What do you make on a monthly basis?" "I don't really look all that much because it gives me a lot of anxiety"

    • Sub Revenue:

      • Bad months - $1000

      • Good months - $3000

    • Donations:

      • Bad month - 2000-3000

      • Good month - 3000-4000

    • Last year - a little under 50k

    • Made 15-20k in the last two months from a "subathon" but did similar last year

      • Spent 2-3000 expenses on this

  • Assumption 4'000 a month

  • Losing money on fees for Paypal?

    • Getting charged an 11% fee

  • Paid about 4000 in taxes last year

    • Does her own taxes, does not have an LLC

Debt/Expenses:

• Rent - timestamp

  • Lease for old apartment is ending June 12 (today)

    • Currently in a sublease ending July 31st - $1200 for that

  • "Where are you going in two months?" "I don't know"

• Car: timestamp

  • 2018 Jeep Renegade, about 20'000 miles

    • No major issues, crack in the windshield from a rock

  • Started 2020 8.1% apr, $292 a month payment

  • Father is cosigner, want her to refinance because they want to get another car but can't while he's cosigned

  • She's 44 payments in, not even half way through

    • 2025 or 2026 she finishes up?

  • Had car insurance when she first moved there but stopped because $200 a month was too much for her

    • Borrows her friend's car a lot, drove

  • Credit score is 681

  • Rationalizing about whether she wants to keep the car or not timestamp

• Credit cards -

  • They scare her so she doesn't have any

    • Worried she'd forget payments or get in over her head timestamp

  • Massive bullet dodged

• One of the 3 people in america subbed to Discovery+

• $500 on eating out last month (15% of her income)

• Had a cat, also found a stray cat 1-2k on medical costs but he has feline leukemia, apparently this is cat AIDS

  • Keeps the two separate, no interactions

  • timestamp

• Not on her parents' health insurance

  • Father is disabled and mother is a waitress, both have state health insurance

  • since she's no longer in school and not in the same state they didn't keep her on, not certain whether it was because state or personal choice by the parents

• Doesn't have Renter's insurance, she forgot about it

Savings/Retirements:

• Paypay timestamp

  • Doesn't separate business and personal paypals?

  • Three $120 payments to something called Canva, she doesn't recognize it

    • Also made a $50 adobe payment

  • Current balance - $1800

• Student Checking -

  • Dropped out

  • Didn't borrow money, her father got a million dollar settlement in a mining accident before he was born

    • Money went 1/4 for funny money other 3/4 split between 3 kids as trusts

• Savings -

  • $12'121

  • Had to take out some to cover her rent

  • Goal is never to touch it unless it's the only option

• $600 in Bonds, from $500 she put in after High School graduation