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@sirpingsalot mogs Lester, this chump doesn't look like he could rent a cottage, figure out his wife is spying on him through the televisions, let alone run an influential substack

Lester, 26, Austin TX

Personal Life

  • Daughter 4 years old

  • Recently divorced separated, has full custody, no child support

  • Owns 2 cats

  • Grandfather can help out but he is working two jobs himself

Career

  • Guitar Player

    • Lessons, gigs, works part time at music shop

    • $3200 - $3500 a month

      • $5000 on really good months
    • $65-$75 for a 40 minute lesson

  • He's not certain about jobs that would get him a similar amount while working with the school hours

  • Looking for a job that fits into his schedule

Financials

  • Around $200 in gas a month

  • Was debt free in May of this year? Not certain I heard this right timestamp

    • "All of her legal situation I basically had to finance"

    • "Really messy and really dragged out"

    • $32'000 total

    • Divorce Custody battle has dragged on since daughter was 1 year old

    • "As of right now it's paused" :marseythinkorino:

      • Might start up next year?
    • Attorney fees

      • $7500 up front
  • Car is paid off

  • Rent 1754 timestamp

    • Utilities around $75
  • Loan for Attorney Fees

    • $400 a month minimum payment

    • Got behind in October, just got caught up on it

  • Card 1 (No balance)

    • He's not spending on it
  • Card 2 $4'200:

    • $99 minimum payment

    • 22.24% interest

  • Card 2 $4'529 -> $4'483:

    • $154 min payment

    • $109 interest

    • 29.24%

  • Wells Fargo

    • Balance transfer, $5'081

    • 0% interest, 68 minimum payment

    • "Some of the bigger attorney bills"

  • YMCA daycare thing $360

    • Previously daycare was $1300

    • This price includes YMCA membership and aftercare costs

  • Bit of eating out, a Netflix subscription

  • Sofi Account

    • Has $1700
  • Fidelity

    • 401k $4'955

    • Brokerage has like $20

  • Needs around $5000, a month to get the debt paid off in a reasonable amount of time, $3844 absolute minimum to live

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You had a chance to not be completely worthless, but it looks like you threw it away. At least you're consistent.

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