.webp?h=8 "Current Thing (oppose) - Denazify Ukraine!")
Natalie 22,
Christian 23,
Willis TX
Careers -
Natalie - stay at home mom (2 kids)
First kid intended, second not
Not planning any more kids (later clarified to not planning any within the next year and a half)
- Out of nowhere - "I could probably only go through with having one more kid, I almost died with my last one" timestamp
Christian - restaurant manager
- recently got a promotion
Household income net $5200-$5400 a month
Finances -
HELOC background
Christian's initial explanation timestamp
Was in insurance "for a while" "buying insurance leads" "living on a credit card"
15'000 credit limit from chase at 18
"Why did we take out a HELOC" timestamp
Pay off credit card debt
Credit card bills were $600 a month minimum (later clarified to $900), saw his options as taking a HELOC or failing to pay them
"He has a problem telling me no" timestamp
- "I ask for things and he won't tell me we don't have the money for this"
Overall - 5'161 in, 6'630 out timestamp
- Higher last month to attend cousin's wedding in Oklahoma, they turned it into mini-vacation "went crazy"
Don't create budget at the moment
Pay-advancing timestamp
"Did you know he's pay advancing"
- "I don't even know what that is"
His explanation is a little weird, I don't understand
Cars timestamp
Toyota Sienna (21,281, 8.9%)
549.50
Over 100'000 miles, banks will only do 48 months
He drives her old Toyota Corolla
32'419/32'500 at 12% timestamp
This is the HELOC
"Part of the reason it's so high is because we also had a second lien on our house" timestamp
Credit card ($2'446 / 14'000) timestamp
Was paid off prior to last month, not any more, had car repairs on the Corolla because it wouldn't pass inspection without it
Lot of random spending lmao
Moid stop stops at the gas station for a bear and some chips nearly every day
- Says there is a specific brand of Doritos he can't find at HEB
His credit score is 750 post-HELOC
Moid Affirmed Hair Removal timestamp
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Tbh, they can probably turn this around by their 30's even if they keep a couple of bad habits. I got a credit card way too early as well, but paid it off as soon as I got a high-paying job.
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