:marseychonkerfoid: Blowing 200% of her income to maintain mass

https://youtube.com/watch?v=jvmKPAzX-5k

He fricked up the audio normalization so his shill sections are 5 times as loud as the rest of the video

Sophia, 23, Dallas TX

Personal Life:

  • No college

  • Her mentality about money timestamp

    • mentions that she is often a passenger on roommate's motorcycles

Career:

  • "Plan Administrator"

    • Company works at post office

    • Sounds like a makework job

    • 20 an hour. 40'000

      • 40 hour weeks
  • Her career plans timestamp

    • Sounds like makework job harassing actual workers with dumb regulations
  • Was doing safety audits in warehouses previously?

  • "Where do you want to be in 5 years?" timestamp

  • Also door to door sales for a window cleaning company timestamp

    • Made a single sale since February

Financials:

  • "Why are we in so much debt today?" timestamp

    • Claims she moved to arlington then moved back and cost of living there was more expensive

    • Host pushes back, she's spending $800 a just on eating out (rent was $650 at its highest)

  • Self-scored financials out of 10 timestamp

    • 2
  • Credit Card 1 (Capital One Quicksilver) ($6360) timestamp

    • $209 minimum payment

    • $146 interest accrued

    • $7000 credit limit

    • Made minimum payment and also made $1095 in new transactions

    • "Nice things like nick-knacks"

    • Claims she budgets timestamp

      • Later she gives more details about how she "budgets" timestamp
    • She defends her gas station snacks timestamp

    • "I saw that I could get more points" timestamp

  • Shares an account with her parents? timestamp

  • "What about my credit" timestamp

    • She's watched his show but somehow doesn't understand anything
  • Credit Card 2 ($4879) timestamp

    • $170 minimum payment

    • $175 paid

    • $142 new purchases

    • $121 interest accrued

    • 30.74% interest rate

  • Credit Card 3 (Apple) ($4816)

    • $137 minimum payment

    • $87 interest accrued

    • No new purchases

  • Car timestamp

    • 2021 Kia Rio

    • 66'000 miles

    • $273 minimum payment

    • $10'195 remaining

    • 72 months remaining

      • She tries to justify why she went with such a long term
    • 6% interest

  • Checking Account timestamp

    • $644 in there current "That's bill money, can't touch that"

    • Some discussion about cleaning her car, apparently it's constantly messy and she's spending a lot to clean it?

    • Tons of eating out in her checking

  • Fell for the dumbest crypto scam on the planet $40 timestamp

    • Posts thirst traps on twitter and got scammed by a based thirst trap trapper bot

Spending Pie Chart timestamp

  • Spends near double what she makes

  • 15% housing

  • 4% debt payments

  • 3.4% phone

    • Financed her phone, $137 a month

    • Mentions she forgot her phone was financed and financed a second phone timestamp

  • 18% transport

  • 18.4% eating out/snacks

    • Goes through the details of these, there's so much timestamp
  • 15% shopping

  • 6.6% medical

    • "started therapy recently, also $1'000 of medical debt"
  • 7% Misc

  • 7.3% "Other Large Purchases"

Hypothetical Budget pie chart timestamp

"I love frogs" timestamp

  • "all my frog stuff is still being put up"

  • "I buy things like that"

  • mentions about frog conventions, wants to include them in her budget

69
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what happened to getting normal people on the show guess it's just too profitable to not have train wrecks

:#marseyxd:

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Trainwrecks are more fun to watch tho

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I find the freaks too cringe :marseycringe:. The slightly r-slurred normie with the bad car loan is more fun to watch

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Normal people don't want to be bullied about their bad habits for some clout.

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