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

https://youtube.com/watch?v=uPUHirZU4ig

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? :marseywtf:

      • 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 :marseyxd:

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 :marseyxd:
    • $100 interest

      • 20%
    • $158 payments (old minimum)

    • $130 new purchases

    • 159 minimum monthly payment

    • Lots of eating out :marseyxd:

    • 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 :marseyxd:

    • Constant super market spending

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

      • 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 :marseywtf:

      • 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 :marseyxd:

      • 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
61
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Great writeup

But I'm confused how are spring rolls sushi?

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I suspect she means the west coast depravity known as a "California Roll"

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Oh ok ty bb

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They're Asian, and vaguely roll-shaped. Duh.

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https://media.giphy.com/media/83cSmIdJLEmEJ39KFq/giphy.webp

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all the sushi places sell them

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??????

Spring rolls are deep fried Chinese slop

https://media.giphy.com/media/83cSmIdJLEmEJ39KFq/giphy.webp

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