EFFORTPOST Vegas stripper with 212k in debt years behind on taxes developing an "Airbnb/event space" while living out of a mobile home

Christa, 33, Las Vegas NV

Career:

• Stripper

• "I work at a nice one"

• Average between 10'000 and 12'000 a month

  • Thinks she's at 120k yearly

• Gets VA disability, was in Navy for 6 years

  • 2'000 + Free healthcare

• 1099 contractor timestamp

  • Paid in 2021, hasn't paid 2022, hasn't saved for 2023

  • Thinks she owes about $60'000

    • Might be closer to $40'000

  • Has an accountant, has been "avoiding them"

  • Filed for an extension on this years?

• Summer didn't go so well, $4-$5k, November $13k

• While stationed in California went to school, worked restaurant jobs, started doing 'bottle service' at a club in San Diego, then into modeling, got into a school in Orange county? Was living in a van in Orange County, wanted to do a grad program with the GI program instead of using it for undergrad (age 29). Met some Vegas strippers/prostitutes who suggested stripping, started working for first club?

  • Was studying sociology

  • "The only way to make money with a sociology degree is to become a stripper"

• 6 months stripping, then Covid, then clubs opened up again, she quits school and goes back to stripping

• Says club has a couple 40 year olds and a 50 year old who are still making good money but acknowleges that her career's got a time limit

  • Planning to do this for 5 years max

  • Hates it but likes the money timestamp

• Got a boob job, had them done previously, "one of them fell out of the pocket and was rolling around on my chest like an egg yolk so I had to get that fixed"

• Purchased a property in Arizona an hour outside of Vegas that she plans on turning into an AirBnB or "event space"

  • Getting serious Big Short vibes, timestamp.

  • Doing renovations, paid "a lot" in cash, 9000 on a credit card though

• Trivia about laws detailing many inches a thong can be timestamp

• Can she write off her boobs? (No) timestamp

Financials:

• Card 1 $9032 => $9094:

  • $600 in payments

  • $505 in transactions

  • $150 in interest

  • $10000 credit limit

  • Thinks she pays another 500 to a thousand

  • $1200 total in interest this year and $10 in fees

• Canceled 2 cards that she had used for online shopping, just paying them off

• Loan 1 20'130: timestamp

  • 7% loan

  • $564 minimum payment

  • Past due, she already paid it though, she says

  • Truck loan, had a minivan, got into an accident "wasn't my fault"

  • Buys furniture and flips it?

    • Has also been doing a lot of the house renovations herself?

  • "Perhaps I should have gotten something a little more modest"

    • "I love this truck to death, it's a great truck"

• Boob loan 7'400 timestamp

  • 0% if she pays it off in a year

  • Needs to be paid off by end of next September

  • Original total not mentioned

• Card 2 $26'453 => $27'016 => timestamp

  • 649 in payments

  • 838 in transactions, $399 in interest

  • $27'000 credit limit (she's over it now)

  • Says she paid $3'000 to this after the statement, it's at 24'000 now

  • wtf is on here:

    • $3'000 of plumbing

    • Home Depot purchases

  • $3'000 in interest this year

• Loan 5'859 timestamp

  • 15% interest

  • Took it out because she thought she was gonna buy a mobile home but the deal "fell through" took this out to consolidate debt

  • 726 minimum payment

Property Loan $67'000 => $60'000 timestamp

• Doesn't own other property

• She thinks it's 5% interest, actually it's 10%

  • "Default interest Rate" of 5% and an "Interest Rate" of 5%

    • Total 10%

• $90'000 house, she put some cash down

  • 1 acre, good area

  • half-hour from Grand Canyon, good tourist destination

  • "If the demand's there why was it so cheap?"

    • "because umm.... the area itself, the local population, is pretty poor and umm... you know so a lot of locals weren't able to buy it"

    • Property sat for a year before she purchased?

• Put in a new HVAC, new roof, fixed structural damage, new kitchen, new counter

• $0 ending balance in her checking timestamp

  • Had to take time off from work while recovering boobjob

  • Fair bit of eating out

  • Overdrafted

• Schwab

  • I think this is retirment? Not certain

    • Later mentioned it's an index

  • $15'000

• Retirment from military

  • Was at 27k, down to 21k now

• Invested in "stupid stuff" also, individual stonks timestamp

  • T-Mobile, and energy company and a few weed companies

• Rent timestamp

  • Bought a mobile home with one of the personal loans

  • $20'000

  • $380 a month to park mobile home in the lot

  • Thinks a one bedroom is $1500 monthly, so she's saving even with the loan's interest?