EFFORTPOST Online "troll," veteran, and paypig considering about leveraging his house to maintain his lifestyle

https://youtube.com/watch?v=4xso2rqKccA

Wyatt, 23, Kansas City Missouri

Career:

  • "So I do Private Security, basically people pay me to fight for 'em" timestamp

  • "I just fight hobos or I just watch people and call the cops"

  • 40 to 45 hours a week depending, $20.60 an hour

    • "So I make about 70 to 80 thousand a year" timestamp

      • VA bucks from a medical thing - $3'758 a month

      • Doesn't want to give deets on what these are

  • Works overnights

  • Served in the military timestamp

  • Job deets timestamp

    • Bring your own equipment policies? :marseywtf:

    • Didn't know what the median income was, thought he was making big bucks

Financials/Personal Life

  • Does not like to cook, something about his schedule

    • Why does he not just wake up and get groceries timestamp

      • "I don't really want to do it, sleep's important to me. I'd rather sleep."
  • Self-scored 7/10 financial score

  • Owns a house and car

    • VA home loan thing
  • So how'd you get into so much debt in the first place timestamp

    • Got addicted to strippers, was blowing 80%-90% of his income on them while enlisted?

      • Refuses to admit if he had s*x with them doesn't want to catch a felony :marseybigbrain:

      • Claims he stopped 3 or 4 years ago. Story time on why - timestamp

        • He lost his military id and "starved for 2 weeks" because he'd blown all his money on strippers and had none
    • Caleb claims not to be a virgin

    • Way easier to pay for fake attention than to approach real women

    • Went into debt "Yeah so I had a credit card"

      • $8'000
    • Paid off this stripper debt at some point

  • Credit Card 1 (Navy Federal) ($7'092/$7'500) timestamp

    • $380 new purchases last month

    • $105 interest

    • 175 minimum payment

    • "So I don't really know what I purchase on that"

    • Thinking about leveraging on his home to pay off credit card debts?

    • "So usually I take the approach of stockpiling my cash, I really don't want to pay off my debts"

      • Tries to explain why he's spending so much timestamp
    • He's paypigging to twitchs timestamp

      • $120 in Twitch subs

      • $250 in Twitch donos

      • Claims to be a Sigma Male because he can just go to a strip club

      • "Three separate instances" "Crashes a streamer's UI with memberships" :marseyconfused:

        • Total $1500

        • Host attempts to understand what he is talking about timestamp

      • Meant to do this out of his checking account?

  • Credit Card 2 (Amazon Chase) (3'756) timestamp

    • Computer parts, books,

    • "6600 Motherboard", some RAM,

      • Thinks he could get $800 for selling components
    • $16.11 new purchases

    • 112 paid off

    • 79.10 interest accrued

    • 116 minimum payments

  • Car timestamp

    • 2018 Dodge Durango

    • $33'677 balance

    • 11% interest rate

    • $884 minimum payment

    • car is worth maybe 14'000

    • Purchased a BRZ, then wrecked it while closing the house and decided to purchase the house instead of fixing the car?

      • Got rear-ended, engine "self-destructed" after he got it back from the mechanic, he'd never changed the oil?
    • "Only vehicle that would hold that amount of negative equity on it so that was my only choice"

    • $2'000 of 'basic maintenance' last month timestamp

      • Brakes, tires
  • Why did he want to buy the house timestamp

    • G*rmans brought bedbugs into his apartment

    • He was sleeping on the floor they were crawling on him

  • Student Loan timestamp

    • "LentKey"

    • Went to college before getting the VA benefits?

    • Used GI Bill to help pay for living expenses

    • Quit going to college after 2 years

    • Studied Business Administration

    • 5'500 initially

    • $25 minimum payment

    • 6'700 owed

    • 10.39% interest

  • Mortgage timestamp

    • 100'000 appraisal on the house

      • Thought it would be around 165'000
    • Would not be able to get a loan on it large enough to pay off debts

    • Put $1'000 of materials into it

      • Leaking roof, fire damage on the exterior, redid the sidewalk
    • Was getting fliers in the mail about leveraging his house reminds me of a thing

  • What's your credit score? timestamp

    • Thinks it's 700

    • "So I can't take any more debt because I've reached my limit"

  • Gets told to go through his own transaction history to mark all the stupid bullshit timestamp

    • It's all bullshit

    • He has never budgeted

    • holy shit he's paypigging so much :marseypig:

    • Crunchy roll :marseyweeb:

    • Steam games :marseygamer:

    • Lots of vending machines, so much money to the vending machine

    • Pays for Quora

    • Pays for Grammarly

    • Pays to Groomercord, $100

    • Mobile games "tech tree"

      • Other mobile games ton of them
    • Paying for AI assistants because he likes to write in free time

      • AI helps with editing?
    • Plays EVE Online, $20 subscription

    • "VoiceMod" "I don't know what that is"

    • What does his daily routine look like timestamp

      • Beyond bleak.
  • "So a friend of a friend I pay 300 for his number just to troll" timestamp

    • He calls up people to pretend to be tech support? I really didn't understand this. Don't people just use throwaway number services for this stuff for free?

Shots across the bow at Reddit

90
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Pays for Quora

lmfao what

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How else is he supposed to get answers?

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Ask rDrama of course

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