First sane people in months, moid and foid had kids early and are way in debt

https://youtube.com/watch?v=ODlX01a27Ew

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

48
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She's a tradwife and he isn't earning enough which is to be expected because he's 23. They started a family a few years too early.

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In fairness daycare would very likely eat anything she could earn outside the home.

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Smart move is to make a bit of extra cash babysitting other people's kids during the day.

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They're not Mexican, they can't just be running an illegal daycare.

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Getting licensed to have a small (read, under 6 total kids) home care isn't that big a deal really

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This is America.

You can do whatever you want.

It's right there in the constitution.

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"illegal daycare"

neighbor what

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Lotta :marseymariachi: that run unlicensed daycares for dirt cheap, since they all reproduce like rabbits.

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I agree, I think they should have waited five years until he earns enough money to support that kind of arrangement.

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More like tardwife then.

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Either way his single income is just fine for a family of four if they spend modestly.

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my gf is a trad girl too but her family are multimillionaires so we don't have to care about money 😏

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my gf is a trad girl too but her family are multimillionaires

I dont believe this.

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it's true, her parents will buy us a house after we got married

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Not that part. The part where a woman willingly has s*x with you.

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you'd be surprised, i'm actually very popular. The number of foids i have rejected (2) is actually higher than the number of foids that have rejected me (1)

e: I just remembered, i actually rejected 3. I don't think my standards are super high but maybe they wouldn't agree

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Post s*x tape as proof.

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no. the reason i'm so popular with women is that i respect them and see them as people. also because i'm a goodlooking dude :marseyboomer:

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Definitely fake. Women don't respect a man that respects them.

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Im going to get one of you to post a s*x tape.

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On the other hands his kids won't be dramatards

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implying his income hasn't peaked already. He works in a restaurant.

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"Sane"

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