.webp?h=8 "Current Thing (support) - Slava Ukraini!")
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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!leafs why do you still live in Ontario? This man manages a restaurant in a small town and makes the net income of a $125k CAD earner. You have to live in Ontario because that's where the jobs are, right?
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My families here
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I don't live in Ontario but I would to be closer to my family, I'd rather live in America though, upstate New York would be close enough
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I've genuinely thought about flying to Mexico, throwing my passport away, and trying my luck at sneaking across the border.
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Not the worst plan, but as a Canuck you can get a job in the Promised Land pretty reasonably with a TN visa.
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Do burger employers actually look at those applications? I've heard its such a pain in the butt they don't bother.
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Easier in some lines of work than others. Like imagine you're in software, they can pay you less than an American but you'll do much a better job than an Indian (and don't need the H-1B lottery which is much more of a hassle). It's also easier if you're already in the U.S., like let's say you get your Leaf company to transfer you to the US office on an L visa, then you'll be in a better spot to apply to other jobs.
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Hmm, food for thought. I'm trying to get hired onto a multinational right now, might swing things that way if it works out.
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