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

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?

  • 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

    • 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"

      • 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

  • Crunchy roll

  • Steam games

  • 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

• Timestamp