Casey, 27, Beaver OK
Career:
Works at a grocery store
$20.75 an hour. 40-43
Around $43000 yearly
Doordash/Walmart Spark on the side
Is setting some money aside
around $500 a week
30-40 hours a week
Dad lives with him, on SSI, the father pays utilities
Does not speak with dad much, "not a great relationship"
"I'm content working for the store forever"
Financials:
Pulled some credit timestamp
$2000
$400
"I don't keep track of much other than debt payments"
"I just keep track of the minimums nothing else"
Ex-girlfriend stories
Section 1 timestamp
Threatened self-harm frequently
"I kind of played into it for a while maxed out 4 or 5 cards, took out loans to pay them off and then built them back up again"
Married 6 months after meeting, separated in April 2022
Got everything back in the divorce
Has not sold the car he bought her yet
Section 2 timestamp
- No kids - "We have to do things to make kids that never happened"
- No kids - "We have to do things to make kids that never happened"
Section 3 timestamp
Value of things from wife
- iPhone, Apple Watch, Car, main things. Charger is the only thing he still has.
Self-rated 0/10
Credit Card 1 (Capital One) ($302/$300) timestamp
Spent 55 on it
Paid 25 minimum onto it
$6.86 interest accrued
Thought he would pay it off last month but just "didn't get to that" because he didn't have money left over?
Transactions include 2 car washes
Credit Card 2 (Destiny) ($646) timestamp
Charges a monthly fee $12.50
Did not realize he could close a card with a balance on it
$45 minimum payment
$19.64 interest accrued
35.9% interest rate
Spent a year after the divorce not caring
Running cards up
Affirming everything
Lots of energy drinks at convenience stores
Credit Card 3 (Milestone) ($646) timestamp
35.9% interest rate
45 minimum payment
$22 monthly fee
OneMaiden Financial ($14107, actually $7000 but includes interest) timestamp
Loan to pay off another loan that had a 108% loan and the line of credit he pulled $400?
31.5%
"pre-computed loan"
Brand new, only made 1 payment
Upstart timestamp
From paying off cards with his ex, 2021
27% interest
Didn't catch a balance or payment on this one
Upstart ($914) timestamp
31.2% interest
$46 minimum payment
Car Loan (Carvana) timestamp
2019 Hyundai Ioniq Hybrid
Got it because it was available with no down-payments
Got this in January
72 month term
22% interest rate, he's not sure
Credit Card 4 (First National) (568/600) timestamp
$30 minimum payment
30% interest rate
Credit Card 5 (Credit One) ($814/$800) timestamp
$70 minimum payment
Missed a payment twice on this one
Fell asleep and missed 5pm payment deadline?
$16 interest accrued
$75 fees
Annual fee on this one
Loan (19'000) (Dodge Charger) timestamp
$513 minimum payment
His ex cajoled him into getting this one
Host rants about Chargers
Broken down in his driveway
Oil filter assembly on top of the assembly broke
- he tried fixing it himself and broke more things
Credit Card 6 ($510) timestamp
$46 minimum
$12.85 interest
25 fees (missed payment)
30% interest
Car (2016 Hyundai Sonata) timestamp
5 year loan
got in 2018
Didn't catch a number on this
refinanced from 19% to 9.6%, "that's one of the best [rates] I've got"
Broken down, car port got a wall sitting on it? He shows a picture
Mystery engine issues
Worth maybe 2'000
Home ($47'000) timestamp
Escrow Balance $1'307
4.5% interest rate
"Fixer upper but quite a lot of land to it"
Thinks it's worth 100'000
Affirm (450)
Spending timestamp
- Tons of fast food and convenience store purchases
Investing timestamp
- $4'700 in an IRA
Debts:
- $113'000 total debt
Pie Chart of current spending/debts timestamp
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How does bro have 3 recent cars and none of them work?
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