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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tell me about their culture :marseygossip:

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I work with a lot of them in a much lower paid role than @lfyca. Some of them are really good but the ones that aren't usually have these issues

1. Objections or questions during a planning phase don't happen. "Can you do [thing]" will always get a yes.

2. "Perfect is the enemy of the good" taken to the extreme. They will try to ship things as long as they are passable regardless of underlying issues.

3. Weird powerplay things that are either more common or more apparent than other managers

Almost everything else is just the consequences of point 1.

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Yeah that's absolutely my experience as well. Someone told me once that they have a strong culture of really wanting to make leadership happy and just saying yes to everything and sorting the details out later.

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What I've found is that they don't really care about anything except meeting ridiculous timelines at the expense of quality, work life balance, etc. They work insane hours, ship shit code, don't test properly, and so on. You'll see them online at like 1 am IST and then again at 7 am IST. For some reason leadership there makes ridiculous promises and then works their teams to the bone trying to meet them. I've had someone send me a massive chain of 20 changes for review and I've had to tell them that the first one was bad and they needed to rewrite the entire thing, which was not well received.

Anyway, with all the stress they are under, they can be mega buttholes about things like asking for code quality improvements or design revisions. I can't really blame them though, I would be too if I had to work like that.

All the Indians I've worked with stateside have been awesome though, it's definitely a leadership culture issue.

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but why do you care about that? Can't you just use AI to like fix or change their code? or test it?

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Man we have all of these AI coding cowtools at work now and they are completely rslurred.

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but like cant it at least restructure it like if the Indian writes bad stuff you just tell it to rewrite?

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No it's completely r-slurred. I think they are even trained on our internal codebase and they still don't get anything right.

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okay but what is generally so bad about the Indian code? like how can it be right but wrong

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