Kween doesn't budget well, doesn't want to cut back.

https://youtube.com/watch?v=kzOkJrxYozU

This woman won't be changing shit, there's no way :marseydoomer:

Steysha, Nashville TN, 27

Self-rated 7/10

Personal Life:

  • Vacationaholic

    • "I actually have two trips coming up but after that I'm done" timestamp

    • Flying to Houston, then New York

  • Around 30 minutes in she mentions that she has a daughter timestamp

    • Father mentioned soon after but that's a lot of vacations to be taking with a kid :marseythinkorino:

      • Doesn't live there, has his own house, comes over sometimes?

      • Father pays for most of the groceries?

Career:

  • Compliance Analyst

    • Software company

    • 8 months

    • prior did the same thing at a different company

    • 84'000 a year (including 4k guaranteed bonuses)

    • Work from home

  • Contributing 6% matched

Debts/Expenses:

  • Discussion about her budgeting timestamp

  • Car Mazda CX-5 $18'818:

    • Bought in 2021,

    • 46'000 miles

    • Might be down to 17k now

    • 6% interest

    • "I didn't put anything down"

    • 482 minimum payment

  • Ally Loan 10'537

    • $152 payment, 10% interest

    • Had to get a new HVAC

      • Didn't price shop :marseyxd:
    • Had no emergency fund

  • Credit Card (No balances?):

    • Lots of eating out :marseychonkerfoid:

    • Lots of Vape CBD stuff, about $50 a pop

  • Student Loans 34'000

    • All federal

    • South College

      • Degree in Health Science
    • "I haven't paid anything... ever"

      • Graduated post-pandemic
    • She didn't ever think about the minimum payment for it

  • House 123k (deets in savings section)

  • Thinks $400 a month in gas

Savings/Retirement:

  • 401k for current job

    • 5'000
  • Has taken out her 401k multiple times timestamp

    • "I regret it now but..."

    • Did it in both 2020 and 2019

    • Used some of it when she purchased a house

      • IRA lets you withdraw penalty free, 401k does not (Caleb confuses this when talking about it and corrects himself later)
    • House was 130k

      • 45 minutes outside of Nashville

      • Put down 3%

      • Remaining balance on house is at around a 123k balance, refinanced it in 2020

        • Bought it in 2018? :marseythinkorino:

        • Was 6% now 3%

      • $1049 payment on the house

      • Estimate 242k zillow estimate on the price

  • Checking

    • didn't catch the balance if it was mentioned
  • Savings - $3'012

Budgeting:

  • Umm... Can you add a going out to eat budget timestamp
50
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She'd be in a great situation if she was capable of living a year or two not engaging in frivolous, unnecessary spending, but because she's a :marseykween: we all know that's not going to happen. 84k a year plus whatever child support she can wring from a baby daddy would be plenty to live off of, pay off her loans, and start investing in. But she's bad at budgeting and is slowly going to let interest tear her apart.

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