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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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27

:marseydespair:

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It's not over for him, he can still join the army or learn a skill

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Look at his face. It never even began.

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https://i.rdrama.net/images/17170230611317067.webp

I know I'm a straight guy so I can't be a great judge on the looks of other guys but he really doesn't seem ugly. Maybe average but not really ugly.

I dunno. !biofoids am I being r-slurred here?

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He looks like redneck hot, like one of those dudes with the surprisingly hot wife at church

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Hair line bad, tired eyes (not in a good way), obvious weak jawline behind a blah beard and no definition in his face/cheekbones. Good nose though :marseymerchant: 5 if I'm being nice, 4 if I'm being real

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You are neither a woman nor are you gay.

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Jesse if he was from OK

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He's like a 6 imo but I'm a cute butch

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Who's a female (legacy) celebrity that you find exceptionally attractive? :marseyroses:

The queer phrenology data may prove useful :!marseychudnotes:

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Man I really have a thing for the chick from the Fallout show but people bullied me :marseycry: idc though I think she's really cute.

Kristen Stewart is my favorite celeb she is so hot. She doesn't appeal to straight dudes though lol she's very butch nowadays.

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Ella Purnell is a babe

https://i.rdrama.net/images/17170866772767286.webp

She'd bear handsome sons :marseygilead: :marseychad:

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https://i.rdrama.net/images/17171711735496304.webp https://i.rdrama.net/images/17171711740178776.webp

:marseybooba:

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She has those bug eyes though, isn't there looksism theory about prey eyes being inferior or something?

Built for Brotherhood of Steel BBC

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https://i.rdrama.net/images/17170078248066204.webp

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Be careful with how you aim those, kids! You don't want to end up alive but with your face completely destroyed and jaw shattered (true story!)

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He's already got a Charger he can't afford

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!sLots800

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!slots100

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:wa#ll2:

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:marseynice:

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https://i.rdrama.net/images/17170318255845404.webp

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