EFFORTPOST Living life one rental car at a time

Justin, 37, Arizona

I'm not even going to try coming up with a total debts or anything. This guy is insane.

Personal Life/Career

• "I'm in logistics and I sell stuff online" timestamp

  • "What are you sellin online?"

    • "Whatever makes profit"

  • "Logistics" is door dashing/roadie full time

    • various gig work things

    • Minimum $1200 a week (sounds like pre-expenses?)

    • 7000-8000 a month for holiday season

  • 127'000 gross income last year

• Lives out of his car?

  • "I've settled into this lifestyle and I don't like it

  • living a nomad life for the last 3 years "sort of by choice"

• Regional Manager for a marketing firm but laid off December 2018

  • Since then he has been "focusing on [his] logistics"

• "I focus on my kids and myself"

  • 17 and 14

  • Kids are with their mom full time

  • Sees them often?

• Relationship failing sent him spiralling for 8 years?

• Was reselling full time on Amazon and bringing in money?

  • Live-in girlfriend wanted him to go back to a job

  • He caved to the pressure, got regional manager job at a marketing firm

  • 300k from Amazon reselling, salary for manager not mentioned

    • Later mentions the salary is $83'000

• Owned condo, bought 2009, rented it out when he moved in with his girlfriend?

  • Complicated situation where he rented out the condo to his ex who had the kids

  • $36'000 remaining on the condo somehow prevented him from renting elsewhere?

  • Signed over the condo to the ex and her new boyfriend? Basically gave it away, they took over the loan

    • "That was one of my first bad decisions"

• Got burnout last year, started going to the casino frequently

  • "was winning a lot of money" but was sending all back in

• Hasn't paid his taxes in two years

  • Filed in 2020 but the agi was all wrong?

• Moved to stay with his uncle in California for fresh start

  • Got in an accident?

  • "I was out of commission for a week"

  • Uncle is a gambler and they would go to casinos together?

  • Accident caused a fallout between them?

• Had a Mazda CX-5 but the belt broke and he drove 50 miles without the belt

  • "Catastrophic engine issues"

  • Could cover the repairs $3000

  • Then it broke down again afterwards with some new issue allegedly?

• Got a Nissan Sentra after the second issue with the CX-5 in August 2021 timestamp

  • renting his vehicle at $475 but that price includes any issues with it?

  • Averages 9000 miles a month in the car

• Has been thinking about going back to a regular job but thinks the transition would be difficult

• His job hunting timestamp

  • Applied to one recently but got rejected post-interview

Financials

• Had a car repo'd timestamp

  • Was providing a vehicle as a part of child support but couldn't pay that as well as his own when he lost the marketing job?

• Lives in Hotels when he has his kids? Usually weekends?

• Doesn't miss his monthly payments but does carry balances on some of his cards?

• Car rental details timestamp

  • 161 dollars overdue because he incurred a cleaning fee on the last one

  • 28 day cycle, has been doing it for a year

  • $350 a week on the bottom end

  • $484 a week on his current one

  • "On the bright side it's a tax write-off"

    • He hasn't paid taxes in years

• "I think I was hacked" timestamp

  • Some stuff on his report that he doesn't know anything about

  • He reported them?

  • Lost his wallet last year and never got physical cards becuase he has no physical address?

  • He did not cancel the cards he lost

  • 2 student loans and an auto loan from Miami Florida

    • Hasn't locked his credit?

      • He says he didn't think of it

• 7 things in collections

  • Can account for 4 of them but doesn't know about the other 3 timestamp

• Tried to deal with the student loans timestamp

  • Called University of Phoenix they told him to come in with his photo ID

  • Arizona has digital ID so he wasn't driving illegally despite not having a drivers license?

• Got an iPhone timestamp

  • One's business one's personal

• Further car explanations timestamp

  • Once the one car got repo'd he stopped making payments and he'd spray painted the car during a mental episode so it wasn't worth as much

    • Got sold 6 months ago?

  • Goes on for a while? Sounds like he had a melty over customer service chads and made terrible decisions? I didn't follow this

• Checking Account? timestamp

  • Just goes on forever, amazing.

Spending Pie chart timestamp