Elise, 24, Houston TX
Career:
Cashier HEB
Spending a lot at HEB
- says she spent on water bottles
$1'348 income
been doing this job for 5 years timestamp
HEB only lets her work up to 35 hours
"I've been looking for jobs that are like salary paying jobs but I don't know where to look" timestamp
Personal Life/Education:
Mentions she got pell grants, scholarships and some other stuff for undergrad timestamp
Studying for LSAT
Future Lawyer
"I want to go to a good law school but it's debatable what's good" timestamp
- Mentions UT and Michigan as ones she's looking at?
Father says she has to go to law school or move out
- He got several degrees blah blah blah, has a hundred thousand in student debt?
Father wants her to just take out loans for law school? She wants to wait a few years and pay off debts?
Poli Sci Degree undergrad
Lives with her dad
- Moved back home after graduating college in May 2023
Claims she found his channel last month and has only then changed her spending
Didn't work from January to mid-March
Spending/Debts:
Credit Score - 640
Multiple overdrafts
Missed payments on multiple debts
Carrying balances on cards (still spending on them)
- Justification - timestamp
Lots of eating out
- Reading through it - timestamp
"Why is all going to 'frick you' spending?"
"This was your most recent statement though, so this just happened
- Justification for only just changing spending timestamp
Synchrony (Card 1. $1216.73 => $1280.56 timestamp
Missed payment
$77 minimum payment, next is $117 due, normal is $40?
$23 in interest added
$40 of fees
Totals for 2023 on this card:
$189.00 in fees
$195.27 interest
$284.50 interest paid?
Discovery Card (Card 2. $773 => $697
$38 minimum payment
Made $93 in payments
$17 in interest charged
Totals for 2023:
$30 in fees
$137.76 in interest
TDE Credit Union (Card 3. 2'608 => $2'558:
$58 over the credit limit
$25 fees
$29 interest
2023 total:
$125 fees (5 missed payments)
$264 interest
Car 2020 Toyota Corolla $23'812 remaining 17.17% interest rate
$563 payment
$28.18 late fee
Probably worth about $17'000
Got car May of 2022
Went full r-slur at the dealership out of laziness holy shit she's a born mark
Storytime - timestamp
So I just let the dealer run my credit and told him I wanted whatever I was approved for
Why didn't you like go with someone?
- I was trying to hide it from my parents
Why have you not sold it?
Attempted justification timestamp
Underwater 8 or 9 thousand dollars
AT&T (1150?) timestamp
Past due $506, says she's caught up now though
Normal payment is $230 (includes cell service)
Phone, iPad, Apple Watch
"You're not even wearing it!"
- "I left it in my car"
Nothing owed on the phone ("trade-in value")
$286 on the watch
$900 on the iPad
Tried to return the watch (failed)
- Caleb tells her to sell it
Freedom(?) (Card 4. 1365 => 1233
165 payment made
$33 in interest
$45 minimum payment
Student Loans: 27'000 timestamp
in grace period right now, extended from November to next May
- "You get another one if you request it"
Planning on deferring them again when she goes to law school
TDECU Checking Account timestamp
$5 balance
Spent $12 on a car wash
Affirms ($300) timestamp
- around $40 minimum
Checking Account -$11.69 timestamp
- she got another car wash from this one
Budget Segment timestamp
- $1070 total minimum payments
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Lets check some funny comments:
Girl in question is very defensive of the fact she isn't poor
Lawcels who went to shitty schools cope that you can totally make big law money (50k$) from a t50 school which doesnt even matter anyway as all lawyers are miserable anyway
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Very common for VA workers to have multiple masters and multiple bachelors. It's not all that unbelievable that the dad is fricking broke with all those meme degrees.
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At least biglawcels are miserable but rich
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Hey some of us mediumlawcels aren't too miserable. I still have some hair left
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how is mediumlawceling? Is that like being able to afford a new BMW plug-in hybrid and its upkeep or is it like that balding lawyer in Better Call Saul who has to be at the courthouse?
My lowlawcel friend either committed suicide or decided to frick off to a foreign country, either way no one's heard from them since covid.
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So I took an of counsel route at a ~80 or so lawyer firm after being at a 3 lawyer firm for a couple of years because covid caused one of the other attorneys to retire. I do IP consulting for clients mostly, and don't really go to court as much as I used to back in my big law days.
Frankly I bill under 1300 hours a year and spend a lot of time mentoring young folk and fricking around. Recently a named partner has been on an "AI" kick so I get to play with that and write responsible use policies for clients. Compared to my old life of 2200 billables a year or scraping by to feed myself, it's been a good change.
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Friend of mine went to a bottom tier law school thats accredited, will be making 6 figs working for the gov 2 years post grad. If you're not in the ivys you can still make it, the secret is to just get good grades and do part time work in law offices because the experience > the education.
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The other "secret" is to just go to the best law school in your state. Are Emory and UGA the best law schools in the country? No. Will going to one of them be a big boost if you want a job at King & Spalding, Troutman Pepper, or Alston & Bird? Yes.
I'm sure UT Austin and Texas A&M are similarly helpful to anyone looking to work at Vinson & Elkins, Baker Botts, or Haynes and Boone. So her school of choice is fine.
Unfortunately, she's terrible with money, which (((lawyers))) aren't gonna like. Might be time to choose another profession.
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https://old.reddit.com/r/CalebHammer/comments/171fx5g/ive_never_seen_finances_this_terrible_financial
The reddit's good too, looks split on whether they like her or not. Great catch on her responding to things, didn't even occur to me to check the youtube comments for that.
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