EFFORTPOST Uhaul Lesbian dreams of being a court reporter, has a debilitating $400 a month Spring Roll addiction leeching of her mother while making 15'000 a year

Ariana, 31, Corpus Christi TX

Personal Life/Career:

• Personal Shopper at "Major Texas Grocery Store" (HEB)

  • basically just handling curbside pickup stuff

  • Last year made $25'386

    • Brought in $1'400 dollars last month?

    • Probably closer to $15'000

  • 34 hours a week - usually less than that

  • 3 years

  • Was an English teacher in China prior to this

    • Tried to substitute but did not like the culture in usa

  • Got a raise to $18 an hour recently

• Bachelor's in Poli Sci

• Leeching off her mother

  • Mother is 58

• Went back to school, stenography "to become a court reporter" timestamp

  • Pushback on this because Caleb thinks it will be vaporized by ChatGPT

  • Apparently this pays 6 figures starting?

    • Caleb fact checks this as around 61'000 starting

    • She was basing it off a job posting she saw

  • School details timestamp

    • 2 years (she thinks)

    • Paid in cash, 1 class a semester $500 each ("per speed level")

• She tries to explain what she does with her day timestamp

  • Caleb brings up the Uhaul lesbian meme

Financials:

• Financial score timestamp

  • Tries to give story, gets cut off and then says 3/10

• How'd she get into debt? timestamp

  • Claims majority of it is "taking a lot of flights to Britain"

  • "Trying to save [her] relationship"

  • Wifed an Englishwoman she met in China, separated during pandemic because they went back to their countries

    • Only 3 flights?

    • First time she stayed there 6 months

    • Others were 2 weeks apiece

    • Last went May of last year

    • Divorcing now (just filed)

    • Brit developed "chronic illness" and decided leeching off the NHS was smarter than moving to USA

    • Got married in Corpus last year, she traveled to the USA

• Credit Card 1 (Sam's) ($5'859/$14'900) timestamp

  • Went and bought a pizza at Sam's before coming to the show

    • Gets pressed on blowing money on the pizza

  • $100 interest

    • 20%

  • $158 payments (old minimum)

  • $130 new purchases

  • 159 minimum monthly payment

  • Lots of eating out

  • Tries to justify it because it's convenience

    • usually grabs it when she's on the way out of Sam's

  • Pulls out her stenography machine and she tries to transcribe what he's saying timestamp

    • She's barely 30 wpm. Unfricking real.

• Credit Card 2 (Discover It) ($1'235) timestamp

  • $625 paid

  • $424 in new purchases

  • $35 minimum payment

  • Interest free until November - 30% after that

  • She claims balances are because of relationship? He pushes back because it's obviously not

  • Constant super market spending

    • Every shift at HEB she gets Sushi (actually spring rolls)

    • Has tried making spring rolls at home but fails ever time

    • Roughly $300 a month spring roll habit. She claims she stopped and gets pressed on that because it's obviously not true

  • $75 therapist payment - put on this card instead of debit but this is interest free

• Credit Card 3 ($0) timestamp

  • Authorized user on this one, it's her mother's

  • Mother is responsible, pays it off

  • "Mother wanted to help her build credit"

  • 690 or so credit score, she thinks this is "really good"

    • Gets pressed for being constantly being confidently incorrect

• Student Loans ($9'244) timestamp - timestamp 2

  • On a payment plan - all consolidated

  • Not paused because she's under the requisite credit hours

  • Mother paid for most of her degree, these student loans are making up the difference

  • $98 minimum payment, she thought it was $198

  • 6.5% intrest rates

• Addressing the mother situation timestamp

  • Thinks she's been given $3'000 over the last three years

    • Some for dental she "broke her teeth" while eating at Wingstop

    • Then had to get root canal?

    • Informal on the payment plan, mother is keeping an notebook and writing down all numbers

  • Living with mother right now, free rent

    • Sister also lives there, also going through divorce

• Car 2014 Chevy Spark

  • 96'000 miles

• Checking Account ($25) timestamp

  • She takes out "mostly everything in cash"

    • All that spending is untracked

    • Caleb presses her hard on where the cash goes and she struggles to come up with answers

  • $80 on getting her hair done once a week

    • She wants to be "platinum blonde" instead of black hair

    • She wants this to be in her budget

  • Started the month with $600

  • Tries to get her to draw a bar chart comparing her spring roll spending vs her income timestamp

• No retirement account

Budget Pie Chart timestamp

Attempt to design her a budget timestamp

• At least $57 underwater based on what she's done