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EFFORTPOST Oklahoman Grocer/Doordasher working 80 hours a week treading water in $113000 of debt

https://youtube.com/watch?v=zzqkVNE8AcU

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" :marseyxd:
    • 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? :marseywtf:

    • $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

74
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This guy seems needlessly mean in the titles and thumbnails

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Someone needs to tire iron the fat zoomer soy for real

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They have progressively gotten more mean spirited as time has gone on. :marseyxd:

He tells them outright in the contract that the titles/thumbnails are going to shit all over them beforehand though, so the financial r-slurs had it coming.

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Watch it and you realize the people deserve it.

My wife has a friend that would be perfect for the show. I've mentioned her before -- orders delivery from the fastfood literally next door, took a vacation to Florida and returned with literally $8 in the bank, paid rack rates instead of booking rooms online

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Wait, are hotel rooms more expensive if you don't book before hand? It had never even occurred to me that you could do that :marseyxd:

What kind of madwoman travels without booking rooms??? What if there's none available?

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They just walked in and asked for a room the night of. Costs probably twice as much as booking it fifteen minutes prior on Priceline.

They also couldn't afford round-trip airfare so they rented a car to drive there, then flew back. And of course they rented the single worst vehicle for a 1,600 mile interstate drive, in both comfort and fuel economy: Jeep Wrangler

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>jeep wrangler

Lmao

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What kind of madwoman travels without booking rooms??? What if there's none available?

Realistically at any major destination/city outside of major events (like the superbowl or something idk) you'll be able to find a room.

But I do agree with you, seems like insanity to not book it beforehand. They can basically charge you whatever they want, they know you have to sleep somewhere. Not to mention the added stress and time you're spending, on your vacation, to try to find a place to sleep for the night.

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Depending on season etc you might get cheaper rates. Like I'm staying rn in a room that was marked as 3.5k/night online, got it for 1.5k. Weekdays and I'm staying 4 days so owner gave a discount over the phone.

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This guy just seems uneducated and abused. I don't know if the theatrics were necessary. Just send the kid to a personal finance class and therapy.

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Therapy

:#soysnoo4:

And anyone who needs a personal finance class is :marseyitneverbegan:

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This might be one of those situations where having a life coach tell him “women aren't worth $50k a year to not frick you” is actually helpful

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Anyone who needs to be told that deserves what they get.

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