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

https://youtube.com/watch?v=HtbRqMb5qRc

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 :marseyxd:

    • 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?

  • 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 :marseyxd:

    • $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 :marseyxd:

    • 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" :marseyxd:
    • "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

    • :mar#seyraging:

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

76
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Ok, if this guy has a security clearance, the stripper s*x habit is especially concerning. Escorts are the easiest approach to blackmail someone.

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He phrased it like it was a one time thing but looking at the guy and look at his transactions there's no way it was a one time thing

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no way

imagine the paperwork "so I want to go on this youtube show and disclose my debts and just how opportune I am to blackmail"

but he's not getting past the investigation anyhow

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Only if they care about being found out.

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