EFFORTPOST Spineless "balding" cuckworm Fed is $130'000 in debt watching his paycheck get railed by credit card interest

Jordan, 31, Houston TX

Personal Life/Career:

• What does he do? timestamp

  • 3 Jobs

  • Full time Software Engineer (Govt Agency)

    • $119'000

  • Computer Science Instructor at a Community College

    • $44 an hour

    • around 2'500 a month?

    • Year round classes

  • Computer Science Instructor at some company?

    • 10 weeks long, once a week, 4 and a half hours weekly

    • $95 an hour

    • Seasonal

• Career path timestamp

  • coding boot camp from 2021

  • Worked at Coinbase for 9 months but left in 2022 when they didn't convert contract to hire

    • 1 year unemployed - was also working at community colleges part time teaching prisoners to code?

  • Govt job started in January

• Suffers from 'anxiety' timestmap

  • Was an agoraphobe for a year 'could not leave [his] house'

    • Pre-coinbase

  • Caleb mentions that he also has this meme disease

Financials:

• Self Scored 1/10 timestamp

• Lifestyle Inflation timestamp

  • He has not heard of this term before

  • He flew in from Houston ($350 plane ticket)

    • Justification for flying timestamp

    • 280'000 Honda CRV probabaly wouldn't have made it there

• Thinks Food is his main spending timestamp

  • He is right and it's not even close

• Credit Card 1 (Bank of America) ($12'911) timestamp

  • $13'052 - $423 payments + $0 new purchases + $282 interest ==> $12'911 new balance

  • 785 credit available

  • 408 minimum due next month

  • Maxed out all his cards after losing coinbase job, decided to go traveling on credit

• Credit Card 2 (Chase Freedom) (2'082) timestamp

  • Almost entirely eating out

  • $2'486 - $2'486 payments + $2'060 new transactions + $22 interest ==> $2'082

  • Some credit cards he pays off every month - he doesn't pay off the Discover and BoA

• Credit Card 3 (Discover) ($1'576) timestamp

  • 301 interest accrued

  • no new transactions

  • Does he budget? timestamp

    • No

    • He used to but said "frick it"

• Credit Card 4 (Discover) (10'647) timestamp

  • $13'346 - $3'000 payments + $3000 interest ==> $10'647

  • $322 minimum payment

  • A few apple bills

• Credit Card 5 (American Express Blue) ($932) timestamp

  • $40 minimum payment

  • mostly grocery stores

  • Paying for hinge premium and not actually using the app

  • Caleb seething over his own dating failures

• Credit Card 6 (Krogers)

  • This one's paid off and irrelevant

• Loan from Parents ($6'000) timestamp

  • Parents do not know just how much he is spending

  • While he was unemployed, hasn't paid anything back to them

• Loan from Friend ($4'000) timestamp

  • This was money he used for Europe trip/world cup stuff?

• $260 on Google Ads timestamp

  • Monthly

  • His ex-gf left him for another man

  • LONG story about his ex's friend's mom owning a pharmacy, going to jail for fraud, the ex paid millions for a pharmacy he thinks is worth a hudnred thousand?

  • She's in debt for 3 million???????

  • he decides to make her a website and pay for her google ads

  • "my friend's like don't be a simp blah blah blah"

  • "She refuses to talk to me" :marseywtf;

  • They were on and off for ten years

• $1400 a month strip club habit tiemstamp

  • March or April of this year

  • went to a strip club in the middle of the day and fricked a stripper at the club?

    • Later explains that this was $700 timestamp

• Buys stuff for the jail students when he hits the grocery store timestamp

• Caleb gets into the online dating blackpill timestamp

  • Manlets btfo

  • This worm is 6 foot 4

• Federal Student Loans ($52'939) timestamp

  • No money currently owed

  • Govt Agency he works for might pay all of this if he sticks around for 3 years?

• State of Texas loan ($13'000) timestamp

  • Lots of late payments

  • He had initially thought that the federal deferrment applied to state loans

  • $208 minimum payment

• Private Loans ($31'146) timestmap

  • Bachelor's in Biochem and "Biophysical sciences"

  • "I was a bad student and I was lost I didn't know what the frick I wanted to do so I ended up staying in school for like 6 years"

  • Had to get private loans because he was on academic probation

  • interned at some labs and didn't like the biomed researcher thing

  • $376 minimum payment

  • 5.54% interest rate

  • refinanced form an initial 10% sally may loan

• About to a have a $10'000 operation timestamp

  • Cosmetic surgery

  • Hair transplant

  • In-depth discussion of balding prevention

  • Worm does not want to

  • How is he going to pay for this? timestamp

    • "So I just got approved for an American Express card"

  • "I know it doesn't make sense but I'm gonna do it anyways"

  • things in the pipepline to help him timestamp

    • Another teaching job at some higher end uni (110 an hour)

  • Cosmetic surgery is next week

  • 

Spending numbers tiemstamp

• Weird $1700 zelle/1400 atm withdrawal

  • doesn't know what these were

• Show ends early because there's no point in a budget