EFFORTPOST Grug lost wife, Grug started failed business, Grug lost job, Grug mog Caleb.

Willow, 27, Tuscon Arizona

Personal Life:

• Got COVID last week timestamp

  • tested negative this

• Has a kid in Tuscon, divorce just finished

• Has an IT degree + some IT certs

• Subsisting off severance pay, savings, and freezer meals timestamp

• Has a "partner" timestamp

  • Rekt the partner's car earlier this year

    • Early on in the relationship, things still going well

  • Partner is currently in the room

Career:

• Usually IT, got laid off 3 weeks ago timestamp

  • Has been applying to a jobs, about 10 applications a day, "getting kind of desparate"

• Uber driving timestamp

  • Was using the truck but it broke "really bad" and couldn't the fix

  • "Very first drive got blinded by the sun and wrapped it around a pole"

  • Car was worth 4 or 5 grand, Ford Focus

    • Mother gave money to bail out? And give partner?

  • Truck has since aged out of Uber

Financials:

• 401k $32'000

  • "About to get split in half" (divorce)

• Divorce Deets timestamp

  • 20k legal fees

    • Lawyer felt bad so no interest on a pay as you go timestamp

  • Caleb pretends he didn't notice this guest is transgender

  • "My ex-wife decided to kidnap my child across the country when I started hormones"

  • "She lied just long enough to establish residency in Tuscon and then I got served divorce papers"

  • Sold home in Michigan (a half-acre) for net $53'000

    • Home was a gift from family?

  • "My ex does have to pay for a portion of my attorney's fees now which feels nice" timestamp

    • About a third of them

  • Married for 4 or 5 years timestamp

    • Married because wife got pregnant

    • "A lot of pretty terrible things she did in the meantime which resulted in other bills I had to pay off"

      • Psych ward visit "from her abuses that sent me going insane"

    • 50/50 custody of the daughter, 4 years old

  • "Why was the divorce messy?" timestamp

    • "She got really resentful because she didn't want me to [transition] because she's Catholic and very strong in her belief that trans people aren't real"

    • "She wanted me not to have unsupervised access to my kid"

    • "During the divorce she accused me falsely of five felonies"

      • "Forging, child abuse, diddling the kid, and abusing her, and I forget what the fifth one was"

      • "That's why she has to pay a large portion of my lawyers fees, the judge was not pleased with that"

  • Wife is living with her parents rent-free, judge decided to count this free rent as income

  • Has until June 1st to get a job

  • Does not qualify for unemployment currently

  • Wife did have a job during the marriage

  • Used to have 3 cars, sold a Chevy 1 ton truck to help pay for the lawyer

  • More deets timestamp

    • Ex's mother is retired

    • Communication is "sparse" with a rude message from her here and there

• Worked for 6 months of the last year? Intiaily timestamp

  • Got a job mid-last year but it was "an IT sweat shop"

    • Explanation of this - timestamp

    • Making $52'000, "much lower than what I made in Michigan"

  • Tried to start a business, "it didn't work out well, I ended up breaking even"

• So where'd the money go? timestamp

  • "So first, I have a big stupid truck I love, that I keep fixing and I have a loan on it. It's lifted and-"

  • "So here me out-"

• Self-scored 1 or 2, "it's pretty bad"

• Credit Card 1 (Quicksilver) (9'167) timestamp

  • $334 minimum payment

  • $10 in transactions

  • 242 interest accrued

  • $167 over the credit limit

  • 30.7% interest rate

  • "For a while I wasn't allowed to touch the funds from the house" timestamp

    • Explanation of how he has this bill from needing to keep "both his cars"

    • Has another car in Michigan at his mother's house

      • "It's also very old and broken"

      • First car, it's always broken but he wants to keep it. "It works, mostly, there's always something a little wrong with it"

      • "I actually hate car-based transportation but I like cars"

• Credit Card 2 (Wells Fargo) (7'270) timestamp

  • $73 minimum payments

  • interest free but not any more, now 30%

  • no new purchases

  • "I've gotten very used to losing money at this point."

    • Caleb takes shots at the Reddit, guest takes a potshot as well

  • Thinking about bankruptcy timestamp

    • Pretty reasonable thoughts behind this actually

    • Has already talked to a lawyer about this, $1700

    • Planning to pull the lawyer fees from his retirement this goes forward

    • Would take about a month or two for the proceeding

  • Mother has agreed to sign onto a loan if needed, already bailed out once while he wasn't able to touch the house funds

• Credit Card 3 (Trio) (2461) timestamp

  • $49 interest accrued

  • $73 minimum payment

• Does not plan on using credit cards again timestamp

• Rent is $850

• Tried applying other places, "Walmart, the gas station down the road" timestamp

  • Rejected from these

  • Walmart mentioned specifically as ghosting him

• Car (Dodge Ram 1500) ($7'000) timestamp

  • From 2007

  • Bought in 2021 - 4 year term, cost 11'000

  • Truck deets timestamp

  • Thinks about $7'000 in repairs over the time he's had it

  • Uses for off road driving frequently for fun (based)

  • Repaired own front suspension

  • Partner bought him new tires

  • Thinks that it's worth more than he owes on it

  • 1 payment late right now

• RV ($20'000) timestamp

  • Bank this is from is "super shady" and won't give statements

  • Thinks 7% or 8%

  • 10 year term

  • has had it a little more than a year

  • Thinks it's worse more than he owes but would be extremely difficult to sell

  • 1 payment late right now

• Caleb pushes back on the bankruptcy timestamp

  • Caleb suggests that he move to Phoenix for better job prospects and only see kid on weekends [timestamp]

    • "That doesn't feel like an option - that kid has so many emotional problems from being taken from me, I couldn't do it to her"

  • Some pushback on whether ending up in this situation was actually out of the guest's control

• Checking Account timestamp

  • Some eating out, oil changes, fair bit of amazon, google, a car wash for the '90s car

  • He gets maybe 5 more car washes for the '90s car - wanted to fix rust on it?

  • $64 worth of steam games

  • $45 venmo to Therapist

• Got state health care? timestamp

• Partner hops on timestamp

  • Did not know about this much CC debts

  • Dog barks because nobody's paying attention to it

  • Partner has "about 10'000" in CC debt

  • On marriage

    • "not happening any time soon" both divorcees

    • partner is 25

  • Dog had lime disease when younger

  • Don't live together, did briefly because guest was briefly homeless in January

  • Guest and daughter were staying in the apartment for a little while

  • "She doesn't know how to cook so she heads to McDonalds"

  • "She hasn't been applying to fast food jobs" timestamp

    • "Only thing I can't see myself being able to deal with is fast food - it just seems so overwhelming"

    • "She's neurodivergent" timestamp

  • Guest hates IT and wants to become a lawyer timestamp

    • Thinks mother or grandmother might pay through school

  • Mention of a quarter million inheritance

• Birds-eye view of the debts timestamp

  • Caleb thinks it's 2 years to pay off

  • Caleb cuts it there