Christa, 33, Las Vegas NV

Career:

• Stripper

• "I work at a nice one"

• Average between 10'000 and 12'000 a month

  • Thinks she's at 120k yearly

• Gets VA disability, was in Navy for 6 years

  • 2'000 + Free healthcare

• 1099 contractor timestamp

  • Paid in 2021, hasn't paid 2022, hasn't saved for 2023

  • Thinks she owes about $60'000

    • Might be closer to $40'000

  • Has an accountant, has been "avoiding them"

  • Filed for an extension on this years?

• Summer didn't go so well, $4-$5k, November $13k

• While stationed in California went to school, worked restaurant jobs, started doing 'bottle service' at a club in San Diego, then into modeling, got into a school in Orange county? Was living in a van in Orange County, wanted to do a grad program with the GI program instead of using it for undergrad (age 29). Met some Vegas strippers/prostitutes who suggested stripping, started working for first club?

  • Was studying sociology

  • "The only way to make money with a sociology degree is to become a stripper"

• 6 months stripping, then Covid, then clubs opened up again, she quits school and goes back to stripping

• Says club has a couple 40 year olds and a 50 year old who are still making good money but acknowleges that her career's got a time limit

  • Planning to do this for 5 years max

  • Hates it but likes the money timestamp

• Got a boob job, had them done previously, "one of them fell out of the pocket and was rolling around on my chest like an egg yolk so I had to get that fixed"

• Purchased a property in Arizona an hour outside of Vegas that she plans on turning into an AirBnB or "event space"

  • Getting serious Big Short vibes, timestamp.

  • Doing renovations, paid "a lot" in cash, 9000 on a credit card though

• Trivia about laws detailing many inches a thong can be timestamp

• Can she write off her boobs? (No) timestamp

Financials:

• Card 1 $9032 => $9094:

  • $600 in payments

  • $505 in transactions

  • $150 in interest

  • $10000 credit limit

  • Thinks she pays another 500 to a thousand

  • $1200 total in interest this year and $10 in fees

• Canceled 2 cards that she had used for online shopping, just paying them off

• Loan 1 20'130: timestamp

  • 7% loan

  • $564 minimum payment

  • Past due, she already paid it though, she says

  • Truck loan, had a minivan, got into an accident "wasn't my fault"

  • Buys furniture and flips it?

    • Has also been doing a lot of the house renovations herself?

  • "Perhaps I should have gotten something a little more modest"

    • "I love this truck to death, it's a great truck"

• Boob loan 7'400 timestamp

  • 0% if she pays it off in a year

  • Needs to be paid off by end of next September

  • Original total not mentioned

• Card 2 $26'453 => $27'016 => timestamp

  • 649 in payments

  • 838 in transactions, $399 in interest

  • $27'000 credit limit (she's over it now)

  • Says she paid $3'000 to this after the statement, it's at 24'000 now

  • wtf is on here:

    • $3'000 of plumbing

    • Home Depot purchases

  • $3'000 in interest this year

• Loan 5'859 timestamp

  • 15% interest

  • Took it out because she thought she was gonna buy a mobile home but the deal "fell through" took this out to consolidate debt

  • 726 minimum payment

Property Loan $67'000 => $60'000 timestamp

• Doesn't own other property

• She thinks it's 5% interest, actually it's 10%

  • "Default interest Rate" of 5% and an "Interest Rate" of 5%

    • Total 10%

• $90'000 house, she put some cash down

  • 1 acre, good area

  • half-hour from Grand Canyon, good tourist destination

  • "If the demand's there why was it so cheap?"

    • "because umm.... the area itself, the local population, is pretty poor and umm... you know so a lot of locals weren't able to buy it"

    • Property sat for a year before she purchased?

• Put in a new HVAC, new roof, fixed structural damage, new kitchen, new counter

• $0 ending balance in her checking timestamp

  • Had to take time off from work while recovering boobjob

  • Fair bit of eating out

  • Overdrafted

• Schwab

  • I think this is retirment? Not certain

    • Later mentioned it's an index

  • $15'000

• Retirment from military

  • Was at 27k, down to 21k now

• Invested in "stupid stuff" also, individual stonks timestamp

  • T-Mobile, and energy company and a few weed companies

• Rent timestamp

  • Bought a mobile home with one of the personal loans

  • $20'000

  • $380 a month to park mobile home in the lot

  • Thinks a one bedroom is $1500 monthly, so she's saving even with the loan's interest?

Alex, 22, San Antonio

Personal Life:

• Had 4 vehicles at one point, since sold a car and a motorcycle

• At 18 got a $3700 GTI timestamp

  • Spent more than that on parts to modify it

  • Engine blew

• Other car mentioned

  • Engine blew

• "Cycle of buying cars"

• Has 2 dogs

Career:

• Facility Technician

  • "I work in critical environments"

  • 105'000/yr

  • "HVAC mechanical/electrical"

  • Got a job because he fixed some guy's AC while he was buying his motorcycle off Facebook marketplace

  • Got the job August of last year

Financials:

• "I have a budget, I just don't stick to it"

• Navy Federal #1 (16'000): timestamp

  • 18%

  • Bought it at 17'500

  • Minimum payment $431

  • 2008 Corvette

    • Beautiful car

    • Allegedly worth 17'000 or more now (about 8kish at the moment, needs repairs)

  • Blew up this one's engine too "I like to add power to cars"

  • "Where are you driving these" timestamp

    • "Mexico"

    • "There's no speed limits on the highways in Mexico"

      • Caleb is a speedcuck

      • This gigachad is driving around at 3-4am so he can go as fast as he wants

  • "How often are you doing this?" timestamp

    • "Well not any more because the engine blew up"

  • Car explanation timestamp

    • "A lot of nitrous and a lot of boost from turbos"

    • "300 shot of nitrous, it was doing a 200 okay didn't like the three at much"

    • "Starting to blow up a little less as time goes on"

• Navy Federal #2 (1'577): timestamp

  • 17.75%

  • First car, Volkswagen GTI, bought in 2020

    • "Not running and not worth fixing"

    • 220'000 miles

  • Planning to pay this off next paycheck

  • 457 minimum monthly

• Navy Federal #3: (4'309): timestamp

  • 12%

  • 141 minimum payment

  • Suburu WRX

  • "Person who sold it to me said they rebuilt the engine and within 3 months of owning it it blew a head gasket"

• Audi (24'088) timestamp

  • $505, 67 payments remain

  • 13% interest

  • "Low miles, for what it is the price isn't bad"

    • 37'000 miles

  • Bought it for 25'500

  • Was spending 600 a month on gas driving the 2008 corvette

  • Thinks it's worth 23'000

  • This one is operable

  • Plug-in hybrid so he will get a 4'000 tax credit

• Jared Card ($5'185) timestamp:

  • $185 minimum payment

  • 30% interest

  • "Ummmm.... I bought previous girlfriend a lot of jewelry"

    • Together for 2 years, broke up last Sunday?

  • "They do 12 months no interest, I was like I'll pay it off... I didn't pay it off"

• Personal Loan ($5'000): timestamp

  • When he moved, didn't have cash on hand for security deposit and first month's rent

  • thinks they charged the interest up front and it's not accruing?

  • Originally for 3'000?

  • Thinks it's in the 20s in interest

  • $120 minimum payment

• Navy Federal Card (4967 => 5003. timestamp

  • $122 minimum payment

  • Purchased $85 and accrued $73 interest

    • It was 3 UberEats purchases

  • 5'000 credit limit

  • "Whenever I see that card go over the limit I pay it down"

• Checking Account Transactions: timestamp

  • Mostly food market, vending machine

  • Road tolls timestamp

    • "I sold a car and left the license plates on.... the car never got re-registered"

• 401k Loan timestamp

  • Needed a trailer hitch because he thinks he is getting hired in and moving to Virginia

  • $2'000 and 9% interest

• Paid off a few other cards already in the last few months

The fat man rambles for a bit then Alex blows him out of the water - timestamp

Some of this probably inaccurate. I had a hard time following what she was saying through the tears, not actually sure if she's a tumblrina, just guessing from behavior patterns and age

Cia, Oklahoma, 29

Personal Life:

• Found Caleb through TikTok

• Was in a dual income situation but spouse is currently leaving her? They were both going to be on the show?

  • Brushed over at the beginning of the show

• Since 2017, in 2019 grandma passed, she goes to North Carolina where her tribe is "Eastern Band Cherokee Indians"

  • Met cousins also in "table games" at the funeral

• Mother is Comanche

• Moved into grandma's old house when covid hit?

  • Timeline is a little weird here

  • Was also paying father $500 a month

• Other grandma gets sick, also died, she found out at beginning of 2021 died early 2023

  • She came back to Oklahoma for her?

• "So basically I've been just surviving since then, I started table games jobs when I wasn't in the right mindset" timestamp

  • "So basically what you're seeing right now I'm getting out of the depression"

  • Not sure what this even means

• "Everyone views me as the parent"

• Gets tribal benefits if she's in North Carolina?

• Household income

  • She works from Jan - early Aug at other table games job

  • Husband has been getting around 1800 on his checks

• "You guys were going to come on, what happened between your application and no-[ad break]" post-ad timestamp

  • Major waterworks here, avoid if you don't like seeing people crying

  • Not going to take notes on segment but it's beat for beat a Boogie diatribe -

    • everyone's using her

    • she's the nicest person around

    • her soon-to-be ex-husband is immature and didn't reciprocate emotional support

    • muh therapy

  • Close-up interjection from cell phone-cam Caleb timestamp

    • "blah blah blah, only one side of the story try not to be judgemental"

    • "A couple days after the episode she sent them an email saying we are in the wrong, me and my team, that we are against her, that we are the evil ones and we hope for her to not succeed essentially"

    • 

  • She and her ex will be co-tackling debt before separating with dual income

• Diabetic, lost weight on ozambiec?

Career:

• "Table Games" (Casino)

  • Blackjack dealer

  • 13/hr base, just started, 7 and a half hours a day

  • Worked at this position before asa supervisor, made 13.30 + tips (rare)?

  • 1950/month? maybe?

• Also gets tribal gibs, 20k last year but varies depending on casino preformance

Financials:

• Has a house, that's paid off

• $33'000, bought ten years ago, in Oklahoma

• Gets tribe gibs twice a year, varies depending on how casino is doing.

  • 20'000 last year, lower this year

  • June and December

• Car Loan $17,657 timestamp

  • 18% interest

  • $414 minimum payment

  • "That's uh... That was like I need to get out of the house"

  • "It's my car"

  • Chevy Spark

  • "So basically when my grandma passed away I was going to take over payments on the car which was like six hundred something"

    • "This car?"

      • "Not this car, it was like a Honda er uh Honda Accord hybrid but then my mom she wouldn't let it go so then I wanted to at least pay that six hundred try to maybe refinance it but then she let it go and that got repossessed and in the midst I'm like I need to start getting out of the house I need to start getting ready to get a job"

  • Mentioned later that both of their names are on both car loans

Car Loan 2 $32'776 timestamp

• Chevy Colarado 2021

• 813 minimum payment

• 11% interest

• Newegg $1'600 (I'm not sure) timestamp

  • "Cozy games"

    • "Like Stardew Valley, you know"

    • "Well I also like Borderlands too"

  • Bought a pre-built for 1'307.99 timestamp for thing showing

    • 35.98% interest rate

    • Currently owes 1'600

    • Has paid $154.44 so far?

      • $120 payment later mentioned through Affirm? I don't understand this

    • 787.22 minimum monthly payment?

    • Husband was the one that ordered it but it's hers?

    • Caleb mutters the specs under his breath timestamp

      • "Six core CPU"

      • 16 gigs RAM 3600 DDR4

      • 1 TB SSD

      • Nvidia 3060

• Home security (in collections)

  • was not in a good area, now in a better area

  • Didn't pay this because [storytime] timestamp

• Credit card 1 timestamp

  • Pays this off

    • "That was just for one month, I was working really hard"

  • "My grandma when she passed away I got money, I got some insurance money so I've been that's how I've been surviving is her money"

    • $30'000, has 10'000 left

  • Balance is back with a vengance, now

    • waterworks are back "every day I was like taking like edibiles and like high edibles and I was gaming" blah blah blah more boogie bullshit

    • "It's like almost maxed out"

      • It's not, it's $990 out of $1'800

  • $20 monthly payment, 28.24%

  • Buys streamer merch, some woman pronounced "Payton" who streams on Youtube?

    • I couldn't find her, just got football videos

• "Super Secret Debt" timestamp

  • About $3'000

  • Not on a payment plan, a couple years old

  • Something about someone needing documents but she never gave them the information

• iPad $500

  • 0% interest?

  • $55 a month?

  • additional $30 a month for phone bill

• Student loans $5'000

  • Federal

• Chime checking account balance -$84 => 0

• Retirement Account - $436

• Canceled subscriptions - Manta, AMC, Crunchyroll

• Has not cancelled - Hulu

• No savings

• Allegedly $800 a year in property taxes

• Doesn't have home insurance

• Caleb claims to be on a diet

Justin, 37, Arizona

I'm not even going to try coming up with a total debts or anything. This guy is insane.

Personal Life/Career

• "I'm in logistics and I sell stuff online" timestamp

  • "What are you sellin online?"

    • "Whatever makes profit"

  • "Logistics" is door dashing/roadie full time

    • various gig work things

    • Minimum $1200 a week (sounds like pre-expenses?)

    • 7000-8000 a month for holiday season

  • 127'000 gross income last year

• Lives out of his car?

  • "I've settled into this lifestyle and I don't like it

  • living a nomad life for the last 3 years "sort of by choice"

• Regional Manager for a marketing firm but laid off December 2018

  • Since then he has been "focusing on [his] logistics"

• "I focus on my kids and myself"

  • 17 and 14

  • Kids are with their mom full time

  • Sees them often?

• Relationship failing sent him spiralling for 8 years?

• Was reselling full time on Amazon and bringing in money?

  • Live-in girlfriend wanted him to go back to a job

  • He caved to the pressure, got regional manager job at a marketing firm

  • 300k from Amazon reselling, salary for manager not mentioned

    • Later mentions the salary is $83'000

• Owned condo, bought 2009, rented it out when he moved in with his girlfriend?

  • Complicated situation where he rented out the condo to his ex who had the kids

  • $36'000 remaining on the condo somehow prevented him from renting elsewhere?

  • Signed over the condo to the ex and her new boyfriend? Basically gave it away, they took over the loan

    • "That was one of my first bad decisions"

• Got burnout last year, started going to the casino frequently

  • "was winning a lot of money" but was sending all back in

• Hasn't paid his taxes in two years

  • Filed in 2020 but the agi was all wrong?

• Moved to stay with his uncle in California for fresh start

  • Got in an accident?

  • "I was out of commission for a week"

  • Uncle is a gambler and they would go to casinos together?

  • Accident caused a fallout between them?

• Had a Mazda CX-5 but the belt broke and he drove 50 miles without the belt

  • "Catastrophic engine issues"

  • Could cover the repairs $3000

  • Then it broke down again afterwards with some new issue allegedly?

• Got a Nissan Sentra after the second issue with the CX-5 in August 2021 timestamp

  • renting his vehicle at $475 but that price includes any issues with it?

  • Averages 9000 miles a month in the car

• Has been thinking about going back to a regular job but thinks the transition would be difficult

• His job hunting timestamp

  • Applied to one recently but got rejected post-interview

Financials

• Had a car repo'd timestamp

  • Was providing a vehicle as a part of child support but couldn't pay that as well as his own when he lost the marketing job?

• Lives in Hotels when he has his kids? Usually weekends?

• Doesn't miss his monthly payments but does carry balances on some of his cards?

• Car rental details timestamp

  • 161 dollars overdue because he incurred a cleaning fee on the last one

  • 28 day cycle, has been doing it for a year

  • $350 a week on the bottom end

  • $484 a week on his current one

  • "On the bright side it's a tax write-off"

    • He hasn't paid taxes in years

• "I think I was hacked" timestamp

  • Some stuff on his report that he doesn't know anything about

  • He reported them?

  • Lost his wallet last year and never got physical cards becuase he has no physical address?

  • He did not cancel the cards he lost

  • 2 student loans and an auto loan from Miami Florida

    • Hasn't locked his credit?

      • He says he didn't think of it

• 7 things in collections

  • Can account for 4 of them but doesn't know about the other 3 timestamp

• Tried to deal with the student loans timestamp

  • Called University of Phoenix they told him to come in with his photo ID

  • Arizona has digital ID so he wasn't driving illegally despite not having a drivers license?

• Got an iPhone timestamp

  • One's business one's personal

• Further car explanations timestamp

  • Once the one car got repo'd he stopped making payments and he'd spray painted the car during a mental episode so it wasn't worth as much

    • Got sold 6 months ago?

  • Goes on for a while? Sounds like he had a melty over customer service chads and made terrible decisions? I didn't follow this

• Checking Account? timestamp

  • Just goes on forever, amazing.

Spending Pie chart timestamp

Some of this might be wrong

Summer, 27, Dallas TX

Personal Life:

• Flew in from Dallas, was worried about the Check Engine light on her car

• From Atalanta, wants to go back

• In Dallas because her boyfriend moved there and she's remote work so she went with him

• Has a kid with boyfriend

  • Kid is 3

• Boyfriend is making around 80k

• Started Therapy about a month ago

  • Says she has an emotional spending problem

Career:

• "I'm in Fintech"

• "Merchant Success Rep"

  • Point of contact, helps with onboarding and stuff

  • After benefits before bonuses 3518 a month hits account

  • Bonuses between 200-1000 a month before taxes

Financials

• Payday Loan 1 ("Possible Finance") timestamp

  • 260.30% interest rate

  • She didn't know the interest rate

  • Looks like it was an $80 loan? She paid 20 for this

  • Boyfriend paid to get there and went to some super tiny apartment at $1850 a month? 749 sq ft

    • Boyfriend covers majority of the rent

    • 3 bedroom townhouse in Atlanta

    • "Oh wait, oh no you're talking about that loan" timestamp

      • this is the smaller of the payday loans

  • "Why did you borrow $80 at 260 percent?!"

    • "I really don't know"

    • pause while she looks at the loan

    • "After moving I got really broke"

• Says she just paid this off

• Payday Loan 2: timestamp

  • $1693.75 => $1773.75

  • $80 in fees

    • She hadn't made payments towards it

  • 119 minimum payment

  • Has made a payment now, says she will pay it off by Thanksgiving

• Quicksilver (Card 1): timestamp

  • $493 => $510

  • $25 minimum payment

  • $29 transactions, $13 in interest

  • "I just ran out of money and I was like well I have my credit card"

  • Lot of eating out on here.

• Credit One (Card 2): timestamp

  • $317 => $366

  • $30 in payments

  • $30 in transactions

  • $41 in fees

  • $90 minimum payment, I think this means 2 missed payments?

    • Says she paid it but the payment didn't go through and got the fee waived?

  • 30% interest rate?

• Amazon (Card 3): timestamp

  • $1019 => $1022

  • $23 interest

  • $70 payments

  • $50 transactions

  • $141 in fees this year

    • "I do forget about this card sometimes"

    • "Why aren't you on autopay?"

      • "Oh my account would be overdrafted"

  • 35 minimum payment

  • "Vacation spending"

• "Wait are there payday loans that I don't have in this stack?" timestamp

  • There are

• Student Loans timestamp

  • Federal

  • Hasn't started payments, deferred

  • Payment is about $200 a month

• Stuff in collections timestamp

  • Portfolio Recovery $1332

  • PDQ Services Inc $880

  • Caine & Weiner $430

  • I C System $307

  • Southwest Credit Systems $268

  • I C System $258

  • National Credit Systems $110

  • Credit Collections Service $78

  • "Yeah, those are like really bad choices when I was younger, that's for sure"

  • $1332 is from back in 2015 fresh out of High School, might be dropped might not be

    • App says open for another 4 years 2 months.

    • She plans to try getting them all settled by January

• "Cash reserve manual payment" timestamp

  • wtf even is this?

  • "If you have a good amount of income comin in my bank will give you money on reserve and you can take it out"

    • "Wait wait wait, what does that mean?"

      • "So it's like a payday loan I guess"

  • Can borrow up to 750?

    • Currently has $750 borrowed

• "Earning" (another payday loan) $260: timestamp

  • Says she's paying it off completely tomorrow

• Lot of Zelle payments

• FloatMe Fund (Payday Loan that's already finished)

• Drake Concert, also the start of the payments timestamp

  • More than a thousand dollars

  • These payments are nuts :lets goooooo:

  • So much eating out

• Some legal fees for an issue with the lease

• Bought furniture for this new place

• $798 in Retirement

  • Started job in January

"I've never seen a statement like that timestamp

Pie Chart of her current spending timestamp

• Absolutely insane, 3.5% of her income is going to her debts

Budgeting Segment

• Grocery store argument timestamp

  • She wants Whole Foods? Didn't follow this convo

• She's paying 1200 on the kid? timestamp

  • All food organic?

• Her own budget at a minimum is 1'200 more than what she makes on a monthly basis

Elise, 24, Houston TX

Career:

• Cashier HEB

  • Spending a lot at HEB

    • says she spent on water bottles

  • $1'348 income

  • been doing this job for 5 years timestamp

    • 

  • HEB only lets her work up to 35 hours

• "I've been looking for jobs that are like salary paying jobs but I don't know where to look" timestamp

Personal Life/Education:

• Mentions she got pell grants, scholarships and some other stuff for undergrad timestamp

• Studying for LSAT

  • Future Lawyer

  • "I want to go to a good law school but it's debatable what's good" timestamp

    • Mentions UT and Michigan as ones she's looking at?

  • Father says she has to go to law school or move out

    • He got several degrees blah blah blah, has a hundred thousand in student debt?

  • Father wants her to just take out loans for law school? She wants to wait a few years and pay off debts?

    • 

  • Poli Sci Degree undergrad

• Lives with her dad

  • Moved back home after graduating college in May 2023

• Claims she found his channel last month and has only then changed her spending

• Didn't work from January to mid-March

  • Exhumes grandfather's body to defend her timestamp

  • Revises this later to not working for 5 months this year timestamp

Spending/Debts:

• Credit Score - 640

• Multiple overdrafts

• Missed payments on multiple debts

• Carrying balances on cards (still spending on them)

  • Justification - timestamp

• Lots of eating out

  • Reading through it - timestamp

• "Why is all going to 'frick you' spending?"

  • timestamp

• "This was your most recent statement though, so this just happened

  • Justification for only just changing spending timestamp

• Synchrony (Card 1. $1216.73 => $1280.56 timestamp

  • Missed payment

  • $77 minimum payment, next is $117 due, normal is $40?

  • $23 in interest added

  • $40 of fees

  • Totals for 2023 on this card:

    • $189.00 in fees

    • $195.27 interest

    • $284.50 interest paid?

• Discovery Card (Card 2. $773 => $697

  • $38 minimum payment

  • Made $93 in payments

  • $17 in interest charged

  • Totals for 2023:

    • $30 in fees

    • $137.76 in interest

• TDE Credit Union (Card 3. 2'608 => $2'558:

  • $58 over the credit limit

  • $25 fees

  • $29 interest

  • 2023 total:

    • $125 fees (5 missed payments)

    • $264 interest

• Car 2020 Toyota Corolla $23'812 remaining 17.17% interest rate

  • $563 payment

  • $28.18 late fee

  • Probably worth about $17'000

  • Got car May of 2022

  • Went full r-slur at the dealership out of laziness holy shit she's a born mark

  • Storytime - timestamp

    • So I just let the dealer run my credit and told him I wanted whatever I was approved for

    • Why didn't you like go with someone?

      • I was trying to hide it from my parents

  • Why have you not sold it?

    • Attempted justification timestamp

    • Underwater 8 or 9 thousand dollars

• AT&T (1150?) timestamp

  • Past due $506, says she's caught up now though

  • Normal payment is $230 (includes cell service)

  • Phone, iPad, Apple Watch

    • "You're not even wearing it!"

      • "I left it in my car"

    • Nothing owed on the phone ("trade-in value")

    • $286 on the watch

    • $900 on the iPad

  • Tried to return the watch (failed)

    • Caleb tells her to sell it

• Freedom(?) (Card 4. 1365 => 1233

  • 165 payment made

  • $33 in interest

  • $45 minimum payment

• Student Loans: 27'000 timestamp

  • in grace period right now, extended from November to next May

    • "You get another one if you request it"

  • Planning on deferring them again when she goes to law school

• TDECU Checking Account timestamp

  • $5 balance

  • Spent $12 on a car wash

• Affirms ($300) timestamp

  • around $40 minimum

• Checking Account -$11.69 timestamp

  • she got another car wash from this one

Budget Segment timestamp

• $1070 total minimum payments

Virgin Galactic sponsorship mentioned in the description, Caleb is really moving up in the world

A couple new Caleb deets for this episodes

• Has been to a lot of therapists

• On Solexa

  • "Can't be a millennial if you don't have an anti-depressant"

Chris, 39, Austin Texas

Personal Life/Education:

• Big Wrestling fan

• "I've been on stage in front of 30'000 people before introducing Taylor Swift"

  • Very early on apparently?

• Had gone to college "for Radio" because he wanted to do that

• Moved from NYC to Austin

Career:

• Unemployed

  • used to work for Facebook

  • Let go with the first round of layoffs Nov 2022

  • Program Manager managing relationships for the payments team

• Meandering Storytime:

  • Was on medical leave when he was let go

  • Mentions mental health (Depression and Anxiety)

    • Based therapist at 1.50

    • "She told me that in order to continue seeing her I'd need to be dairy-free, gluten-free, sugar-free, drink half my weight in ounces of water every day, walk a mile or two every day, it was preposterous but it made me feel like I wasn't even good enough for therapy"

    • In september (2018? I can't figure out the timeline), started working out, lost 100 pounds over 10 months

      • "30 Workout"

    • Has a different therapist now who's agreed to see him for free until he finds a job to pay

  • "Took some time to get back on top of my mental health and then when I started applying for jobs I just had... it's probably been 3 or 4 months of regular applying and I've had zero luck"

  • Tried to get a youtube Channel going? Eventually got tired of that

  • Took all his savings, stock money, retirement money and and planned on living his best life for 6 months before roping "I don't want anyone to feel sorry for me, I had a blast"

    • "6 months came up, I no longer wanted to not be here and had to figure out a way to survive, I no longer had any money or job"

    • That was in 2018-2019ish?

  • 12 hours a day UberEats living in a Truck stop parking lot

  • Facebook found his linkedin and dm'd him for an interview during the Truckstop living saga

    • "Went from homeless to making 108'000 almost overnight"

• Started a podcast with a high school friend a year ago

  • "Troyalty Podcast" (sounds like it's a weekly thing)

  • I HATE JOE ROGAN I HATE JOE ROGAN I HATE JOE ROGAN

Assets/Debt/Expenses:

• Savings - 200-300 bucks left

• Paid his rent ahead at least a month so he's fine for the moment there

• $1000 eating out in the last month

  • Throws a lot of groceries out because he eats out so much

• Money left from Facebook

  • paid all the way through mid-Jan

  • Severance package - $20'000

  • Retirement fund 30k (took them out again )

• Credit One (Card 1) $500:

  • Paid off => $500

  • Lots of subscriptions

  • fees and interest not mentioned for this card

• Credit One (Card 2) $300:

  • 270 in interest so far this year

  • 73 of fees on this card

• Capital One (Card 3) $893:

  • 2345 in payments to it, 2'581 in transactions

  • $698 => $893

  • Credit limit $740

  • "Cash Advance 150?" No idea what this means

  • Lots of eating out and weed on this card

  • Financing a phone

    • $175 monthly T Mobile payment on his plan

  • Went to see the new indiana jones movie so he could review it on his show

  • PAID FOR A TICKET TO JIM NORTON'S SHOW

    • $40

    • didn't end up going because he was nervous about being in public?

• Spending not gone through:

  • Gambling, UberEats, some other stuff

    • Gambling apparently only a couple times on some lotto site

This is a man who PAID MONEY for a ticket to a Jim Norton comedy show in 2023

Ariel 30 and David 35, Louisville TX

Personal Lives:

• No kids

• Married for a year

Education: timestamp

• Husband

  • No college

  • Current career plan is becoming a dominoes guy? I'm so confused timestamp

    • Sounds like he's being sold down the river tbh but I'm paranoid

• Wife

  • BS in Rehabilitation and Concentration of Orientational Ability (not sure I heard this right)

  • Had to pass a test to work in the field but failed it and they wanted her to take it again so she tried to get a job in the process while studying for the test so she went for another area of work and never took the test a second time?

    • Salary for this is between 55k (average) and a 104k (top)

  • Started college for nursing but she couldn't handle vomit

Careers:

• Both have 80 hour work weeks

• Ariel -

  • Both jobs remote

  • Payment processing for an auto company

  • Second job at a comtech company helping build websites?

  • 40k salary from each job

• David -

  • Amazon Warehouse forklift driver

    • 39 hours 17.20 a week. Flex hours

  • Dominoes Pizza Delivery Driver

    • 40 hours

    • Around 260 biweekly and 600 a week in tips?

  • Donates plasma twice a week

    • around 120 a week

Debt:

• Why are you guys working so much timestamp

  • Claim they've already started trying to get rid of debt, almost gotten rid of husband's then dealing with the wife's after

• Didn't save money for their wedding, some of their debt is from that

• "Are you guys completely on the same page when it comes to personal finances?" timestamp

  • Wife wants to do things, husband wants to get rid of debt

• Wedding expenses discussions timestamp

• 2019 Toyota Highlander 44'332 => 32'806

  • $725 minimum monthly payment

  • 5.4%, 5 year

  • Thinking about selling it. Believes it's not upside down

  • At the time he'd purchased this, a year or two ago, he'd paid off ALL their debt except her student loans

• "I got all those credit cards because I was taught that.. you know... umm.. I guess... if you have higher I mean cards with higher limits on it you have I don't remember the technical term for it but I heard it's supposed to be better for your credit if you have a higher spending limit or something like that"

• (Card 1) FNBA Visa $3475: timestamp

  • Paid for Best Man of the wedding's travel expenses

  • 0% but not sure how long it will be

  • $70 minimum payment

  • "It's so low, we can definitely get that paid off"

• (Card 2) Navy Federal $11'714: timestamp

  • Wife tried to get into e-commerce "I took a course"

  • Two $5'000 courses, she got taken for a ride

• (Card 3) Navy Federal $3'378: timestamp

  • For wife's everyday purchasing

  • Made 116 payment, Bought $544 in new purchases

• (Card 4) Discover Card ($6'000)

  • Husband's

  • Two sections, 1 accruing interest, 1 not. Already paid off one that was

  • 0% interest ends on September 4th

  • Part of the wedding debt

• (Card 5) Amazon $1400 timestamp

  • $7.86 interest, $39 late fees, she thought she had auto pay on

  • 400 payments, 360 in new purchases

• Other credit cards all paid off now?

  • They said this after card 1 but there were so many more

---Intermission while she pulls up student loans---

Caleb (to the husband): "can you say something upsetting so I can verbally so I can get some equal treatment over here"

Husband: "I just wanted to stay out of it, I've talked to her enough I need somebody else to say something..." [he goes on but it's just filler]

---

• Student Loans (51'000)

  • Around 600 a month minimum payments when it starts up again

  • She thinks payments start back up in June 2024 timestamp

• Car 2 Around 16'097(?)

  • $366

  • 4.39%

  • 72 month term

Savings:

• Retirement Fund $1'000

• A collection of small checking/savings, none higher than 500 I think

Living Situation:

• $1600 a month 1 bedroom, thinking about a new lease or acquiring house? Wife burned down the kitchen? timestamp

Daniel, 22, Lubbock TX

His other half overrode the financially savvy asian half

Self-rated - 6/10

Personal Life:

• "Barely 22"

• Why'd you go in to the debt?timestamp

  • "Well it's a long process"

• Went to a trade school, Universal technical institute

  • Automotive, certified in Volvos

• Friend encouraged him to come on the show, doesn't watch the show himself

• "Last year I got myself into a predicament"

  • "I moved out by myself and I was paying so much in rent I didn't really think it through so last year was a year where I really struggled and this year is a year where I really tried to step it up"

Career:

• A Volvo technician

• 52'000 a year pre-taxes

• Lives in Lubbock for his job

Expenses/Debts:

• Credit Card - $1'628

  • Not spending on it while paying it off, made $200 payment (way more than minimum)

  • 35% interest, talked them down to 18%

  • "I honestly don't remember how I got so high up in debt, I think I did pay off some student I think I paid off a class and it really set me behind and then I used my credit card to get a car"

    • Put the downpayment on the card

• Collections (1) - $972

  • Medical Debt

  • When he was living in Arizona, not working at the time, wasn't feeling well

  • Two years ago, not something that will repeat

  • Wants to pay credit card off before this

  • "They can't report medical debt on your credit if it's less than $500?"

  • Tried to negotiate but failed, only tried once

  • Been in collections since last year?

• Student Loans (4) - $12'000

  • Federal but he thought they were private

  • Around a $150 minimum payment

• Maco debt toolbox? timestamp

  • 18% interest rate

  • Toolbox itself was 6'500

  • Owes 9'500

  • Minimum monthly is $180

  • There's something weird later on where he thinks it shows up differently on his credit report timestamp

  • Missed a payment at some point?

• Car Loans (2) - $30'638

  • "I have two cards, I'm thinking about getting a third, a Tesla"

  • "Well you save on gas, yuh know, it's always nice to have three cars"

  • "I have one car, the other ones from my mom, it wouldn't hurt to get another one... it's always an investment"

  • "My mom needed a car so I bought her a car under my credit"

    • "She's in a financial situation as well"

  • Sion IM 2016

    • 19'000

    • "I'm pretty sure it's overpriced... it's just my mom really needed a car"

    • Put down $2'000

    • 13% interest

    • "That's the cheapest they had on the lot" "I was in a tight schedule with work"

    • 72 months

    • "Well at the end of it I'm not really paying for it, Mr.. pushes up glasses Hammer, my mom is" timestamp

      • The plan is once she buys a house she will buy the car off him with her credit?

  • Ford Focus 2019

    • 11'703 remaining

    • 103k miles

    • 2 for one deal with the other car

    • He's not sure about the term or the interest rate

    • 9'000 downpayment?

    • $312 minimum payment

    • 24.39% interest

• Trashes In n out and Red Robin timestamp

Savings/Retirement:

• High Yield Savings with Amex:

  • $866 => $1'066

  • 4% interest

• Investment Account

  • All part of the Acorns

  • $200 in one

  • $300 in another

  • No match

Budgeting Conversation:

• Under contract at job, can't leave until it's over, Feb of next year, plans to move back home after timestamp

• Putting money into a "Christmas Fund" at work

• Doesn't pay renter's insurance timestamp

  • Apartment is under his roommate's insurance?

  • Not on the lease, "they didn't approve me" (because of the collections)

  • 

Sienna Wereham, 25, Austin Texas

Self-rated - 1.5/10

Personal Life:

• From Montana

• Lives with Boyfriend (Korean)

  • He pays rent, she "takes care of everything else"

  • Owes him money

  • 29, law student

  • He gets money from his family

  • Just finished his first year (2 more years then Bar)

• Was doing pretty good this time last year but "then like I had a series of like um events come up and that kind of resulted in me using my credit card a lot more than what I normally would have been using"

  • Trying to focus on paying off her credit card but it's going slowly

• No car, uses his car to drive to work

  • Lives close enough to law school he bikes there

Career:

• Bond underwriting assistant

  • 23/hr, 37.5 hours per week (doesn't know yearly pay)

  • Was 40 hours they decreased this during covid?

  • Thinks about 42'000

  • recently hired as a full time employee (only 2 pay periods?)

    • 1'200 a paycheck?

  • 401k contribution is 3% (company match )

  • Contract to hire type thing, she is hired as of March?

    • Paid weekly as contract, biweekly as full timer?

Debt/Expenses:

• timestamp

• Personal trainer twice a week

  • Trying to lose weight

  • Virtual appointments since trainer moved from Austin to Chicago

  • Might be $55 an appointment, neither person says the price but that's what's on the venmo

• Credit Card 1 timestamp

  • "Trying to pay off"

  • "I was paid weekly when I was a contract worker and I switched to biweekly as a full time employee so there was like a bit there where I umm uh I need to go to like the grocery store and stuff but I didn't have enough money to go to the grocery store"

    • DSP soundbite

  • $3212 => Paid 271, Spent $1688, $91 interest => $4720

• Student Loans

  • University of Hawaii at Hilo

    • No idea what this is and I probably heard it wrong timestamp

    • Wanted to go to Portland State but that was too expensive for her (50-60k)

  • 32'000

    • About a 400 minimum payment (5-6% interest)

    • Always been on deferment, graduated in 2021

• Owes Boyfriend $1'800 timestamp

  • Had borrowed money to pay off her credit card that she'd used to make purchases when they first moved to Austin

  • Where'd he get this money from

    • "I can't share that"

  • Gave her the money in August (they moved there in July) ($4'000)

  • After this money her credit card was $2'000

    • Boyfriend said not to pay him back initially because he wanted her to pay off the card, the card is now 4'720

  • Currently paying him $400 a month

Retirement/Savings:

• Story time timestamp

  • "Yeah, so, about this time last year um I had about a thousand dollars in my savings account or twelve-hundred actually but then like I said earlier um there's like a series of like events that happened um"

  • Grandmother in Idaho had a health scare while Sienna was in Korea (boyfriend is from Korea) so flight costs, then spending money while she was visiting?

  • She and her boyfriend had nothing saved when moving into the Austin apartment after that?

    • Took on debt on spending to furnish apartment and groceries? A little uncertain, she backtracks on whether it's furnishings or just essentials

    • Boyfriend had just paid tuition so his account was pretty empty

  • Initial job when she moved to Austin was very stressful

    • Remote job, no friends in Austin, shopping was her only reason to go outside

• Checking

  • $98 started => 1691 in, 1232 out => $557

• Savings

  • $69.26 stated => 10 out for being below min, => 59.26

    • Two charges a half month apart each $5

  • Bank had increased minimum balance from 50 to 100 and she hadn't seen that notice?

    • Bank is up in North Dakota

• Retirement account

  • $86

• Robin Hood

  • $77 total in here

Ron, 33, Nashville TN

Self-rated 3/10 situation

Personal Life:

• Falling out with his parents

  • Says father was emotionally abusive/manipulative

  • Has since mended bridges with them somewhat?

  • Asked if he could move back in after getting a remote job, they said no

  • Good relationship with his mother, bad with his father, they are still married?

    • Mother makes 200'000?

• Debt from early 20s moving out of his parents house

  • Story time about being a boozer - timestamp

  • Was van living for a little while so more money to party

    • Stopped in late 2019 early 2020

• Addicted to Mountain Dew timestamp

  • Goes through 2 a day, doesn't buy from stores, just from gas stations or dunkin donuts?

  • "If it's a bad day I will go and get more"

• "Do you have diabetes?" timestamp

  • "Not that I know of, I haven't been to a doctor in 5 years"

  • Blood sugar test timestamp

    • "I don't have diabetes by the way I just have all medical equipment possible because I'm afraid of something going.. bad"

    • New Caleb lore - he is terrified of needles and blood plus is some sort of paranoid

    • Apparently he does not have diabetes?

• Brother had addiction stuff as well? (marijuana and alchy)

Career:

• Tried to apply for real jobs out of school, never got callbacks

  • timestamp

• Call center 40 hour week

  • $18 an hour

• Starting a second job in a couple weeks

  • Variable, $18.50 after 5, $20 weekends

  • Also 40 hours?

  • Call center stuff but different from the other call center

• Some online stuff

  • Runs DnD games online

    • 3 hours a piece depending on how much he needs to prep

    • $600 a month or so

      • 1 game ended

    • Using some site for this that pimps out DMs

    • Made 10k last year from this

    • Runs these games through his phone? "Only reason I bought it"

    • uses Fiverr people to do stuff for it?

• Got a cat recently, photo shown to camera timestamp

• His mother gave him 1'300 total last month

Expenses:

• Mountain Dew:

  • Unreal amounts of mountain dew more than $400 a month

• Rent $1230

  • Low end, not a great neighborhood, pays for laundry not within complex?

Debts:

• Discover Card (Card 1) Around $3000: timestamp

  • Had to put car repairs on it?

  • 4 tires and some maintenance stuff

  • Minimum monthly maybe $30? He's not certain

  • 25% interest

  • Had paid off the card with a personal loan years prior to the car repairs

  • Dunkin Donuts - 2 Dews for $4 "That's how they get you"

• USAA (Card 2) $7712:

  • 20% interest, $631 lost on interest this year

  • Did not spend anything on there

• Costco (Card 3) $908:

  • Paid 218 but made 185 in purchases 14 in interest

  • Credit limit of 750

  • Thinks the purchases were all unnecessary

  • 30% interest

• Car: 2010 Toyota Camry

  • 130'000 miles

  • $5438 left on it

  • 4.99% interest rate

  • Bought right before the pandemic hit

• Personal Loan $18'173 timestamp:

  • 2 or 3 cards, and the rest of the loan balance of the van he had, has since sold Van

  • $584 min payment

  • originally 25'000

Student Loans:

• Majored in Business?

• Southern Hampshire University?

• $38'900 federal student loans, Probably 470 minimum payment

• These are why he decided to get a second job

Savings:

• Checking

  • Gets money from his mother?

  • 26.76 => 5132 - 3918 => 1247

• Business Checking account for his DnD thing:

  • "Cloak & Dagger LLC"?

Budget Section timestamp:

• -$1231 between minimum budget and basic survival currently without the second job

Michael, 33, Richmond VA

Self-rated: 1/10

Career:

• Door to door solar salesman

  • Started working for them in February

  • Claims it's one of the best markets in the country for it

  • All commission, no base pay

  • Income so far this year, he brought a spreadsheet timestamp

    • Jan - $2163

    • Feb - $630 (Started Door to Door Solar here)

    • March - $3220

    • April - $3125

    • May - About $9000

  • Believes it will settle between 7'000 and 10'000

  • Payment model -

    • Paid 175 they see the presentation

    • $225 if they buy

    • 8-10 people -

    • Who in the world first answers their door to salesmen and two actually lets them do a presentation timestamp

      • "It happens, all the time"

      • Apparently old people are a tougher sell, usually younger demographic

    • Talks to about 20-30 people a day, thinks he should be doing more

      • Started out doing 4-6 hours a day, started working 10 hour days in May tripling his income

• Worked for a different Door to Door solar prior, made about 45'000, his first year doing it

  • Did it for 4 hours a day

Personal Life:

• Last year was a "little chaotic" timestamp

  • Started a business for online marketing

    • Wanted to fill the rest of the day since he was only putting in 4 hours a day at the prior solar company

  • Goes more into this "business" later on when explaining Debts

    • "So basically you get access to a platform, right? And you can uh you can start your business from there" timestamp

    • △

  • Also sold roofs in Florida for 3 months?

• "I've been in debt since I was probably... eighteen years old"

  • "About to completely run out of money" last Decemberish

  • Tries explaining how he got in this situation in broad terms timestamp

Debts/Expenses:

• "Special Financing Company LLC" $4'012 timestamp:

  • Down to about 3'000 now

  • Minimum payment $320

    • 240 to principal, 80 to finance charge?

  • Personal loan he took out to start the marketing business

  • Doesn't remember what the initial amount was

• Taxes due timestamp:

  • Has not paid the IRS jannies

  • filed extension so he has until September

• Interpersonal debts

  • Borrowed from them since he only made 600 in Feb?

  • Owes roommate about a $1'000

    • Paid off

  • Owes parents about $2'000

    • Not paid off

• Student Loans timestamp

  • $49'845

  • Got a biology degree from "Old Dominion University" (Not sure I heard the name right)

  • Thinks it's between 4% and 6%

  • Probably minimum payment of $500

• Another shot of The Spreadsheet, debts section this time timestamp

  • Verizon $1321

    • Financed an iPad and iPhone

  • Credit Card $6'628 timestamp

    • Cut it up sometime last month when he started making more money

    • Losing $100 in interest every month (18% in interest)

    • $164 minimum payment

    • Made $68 in purchases

Savings:

• Nothing set aside for taxes currently

• Nothing saved for Retirement

• $4000 in his checking

• Savings account 2100 ending balance timestamp

  • 3600 in 2000 out this month, might have gone to checking? Some Dave Ramsey thing about maintaining 1000 in savings

  • He starts going through all the debit transactions

    • Mysterious $148 charge from Alient timestamp

      • thinks he knows but doesnt want to say

      • When I google Alient I only see a ceramics company and something that seems to have been acquired by AT&T

    • Best Buy $742 timestamp

      • Doesn't remember what this was, seems genuine this time

Subreddit link in case of drama

Jose, 29, Dallas TX

Self-rated 4/10 financially and slowly declining

Career/Business stuff:

• Personal Trainer

• Started a gym

  • Signed lease a year ago

  • Opened 6-9 months

  • "All of it's debt" (did not save up money before starting)

  • One of his clients loaned him money to help get gym started

• Has his business/personal life merged, difficulty separating the two

• Bringing in 10k a month

  • "Now after expenses what does that look like" "Gonna be honest I haven't done the math" timestamp

  • "I am uhh slightly in the red"

  • "I would say right now it costs about 2 grand roughly" a month to run the business

  • Rent is 1600 a month, going to go up in July to 4'600

    • Was on a 6 month "baiters" lease? I didn't hear this part clearly

• Only employee is his girlfriend, she keeps about 60% commission

  • brings in 4'500 for the business? Not sure

  • "A lot of our finances are also intertwined"

• 0 cost on equipment besides a loan on a body scanner?

  • $160 a month

• Bought cleaning supplies in bulk and hasn't needed to buy more since then

• Electricity - 150, 200 a month

• Water currently included with the lease?

• Internet about $80

• Pandora subscription $10

• Insurances

  • Doesn't have them

• Business credit card debt

  • "Under a special program that they have" reduced interest, reduced monthly payment

  • "About 370"

• Personal Loan from the client

  • Lent 50k

  • Paying him 1360 a month but through an exchange of services? Trains him/wife 3 times a week

• Personal Loan

  • 170 monthly payment

• Has an LLC set up

  • Not currently funneling money through this before it gets to him

• Setting money aside for taxes? (this wasn't mentioned)

• Should be around 3000 dollars of profit but he doesn't know where it goes

• Currently struggling to hire a trainer, has two-three leads per month he's able to handle?

• No base pay for the new hire, 40% commission only for anyone interested

• Had a friend he set up a deal with for training at the gym and the bridge got burned for various reasons

  • deets timestamp

• Had another guy who put his two weeks in 3 weeks ago they've been looking for someone since then

• Plans to start doing youtube content to help promote the gym

Debts:

• Blue Cash Preferred Amex (Card 1) $4898:

  • $86 minimum payment, made $55 in purchases on this card

  • Doesn't know what those purchases on there, thought he had already canceled everything on this card

  • $33 interest charged (409 total so far this year)

  • On this card with his gf

• Blue Business Amex (Card 2) 12'691:

  • Business card

  • 371 minimum payment

  • $40 new purchases, $81.47 in interest charged, $1112 interest total for this year

  • 691 above credit limit

  • Thought he had canceled everything on it

  • Purchases at two record stores and disney+

• Inbody scanning machine thing

  • 63 month term

  • 36'260 total financed, has paid maybe 5000?

  • $100 monthly payment since May of last year

  • No interest

• Upstart Loan

  • Took it out because the lease was about to start and he didn't have the money for first month's rent (had already signed the lease)

    • Story and reasoning timestamp

  • 30% interest loan

  • Minimum monthly payment (he doesn't remember it) timestamp

Savings/Expense:

• Business checking:

  • $30 -> $1239

  • Lot of zelles in (clients), some zelles from himself into the account

  • Lots of Amazon purchases (at least 15 separate purchases)

    • Gym equipment

    • Some of his other purchases here: timestamp

    • PSN payment is on the business account

  • G-suite

  • $34 overdraft fee

  • Zelle payments timestamp

• Does not have any savings?

• Pays a $30 subscription to another gym

• His personal rent is going to decrease he thinks? Will go down to $675 starting June

• Does not currently have health insurance

• Car insurance $200

• Parents currently cover his phone bill?

Jessilyn, 21

Brandon, 32

Springfield MO

There's a pretty good chance I've gotten some of this wrong, there were a lot of numbers getting thrown around.

Husband self-rates: 2-3/10

Wife self-rates: 3/10

!straggots This is our fate

!incels How are you even real

!biofoids

Career:

Jessilyn: Stay-at-home mom

• Doordash and uber as side-hustles (about 400 a week after gas)

  • Only done these for 2 months so far, started because slow season for car sales right before taxes were due (end of Feb)

• "We're financially illiterate. I'd say I'm financially inexperienced, almost too"

Brandon: Car Salesman

• All commission based, 49'918 ytd (did 117k pre-tax last year)

  • Minimum wage or commission based whichever is greater? 277 hours a month?

  • About 30% for taxes

  • Only brought home 4'200 pre-tax in March?

    • Best months were Jan/Feb, all downhill from here?

• End of 2022 "economy just kinda shit the bed" so sales are down

Personal Life:

• "We met selling cars and then I got pregnant then we started dating"

  • Stopped selling cars in the summer because she didn't want to deal with the heat on car lot both fat and pregnant?

  • "Kind of a dumb decision looking back because they had 6 weeks of maternity leave and they offered to move me to a different position that was hourly based inside"

  • "From my understanding they will not hire her back because we're married"

• started dating last Spring

• moved into apartment last May

• "over the last month and a half we've moved out of our apartment so we're kinda like in a position too where there's not a whole lot of space to be able to keep stuff"

• Jessilyn is still on the mother's insurance

• Building a new house that was supposed to be ready middle of May?

  • It sounds like they're renting it?

Saving/Debt/Expenses:

• "I got denied for Paypal crediting like where they finance your things"

• Got most of these cards in June? Not sure I heard that right

• "Yeah, the ones I sent you were all the really bad ones"

  • not sure what she means by that?

• Got a car in April "probably spent way too much money"

  • "60'000 dollar car"

    • Still owe 57'891

    • Might be worth upper 40s, low 50s?

  • 2022 Grand Cherokee

  • Got some percentage off since he's an employee

  • 4.24%, was offered 3.29% but took that to go out an extra year in term to get the payment below $1000 a month

  • 920 minimum payment

  • He tries to convince them to sell this one timestamp

• Husband's car:

  • 2018 Kia Stinger

  • $26'850 owed, 11.51% interest

  • 525 minimum payment

• $330 for car insurance that covers both

• Loan to pay off delivery

  • 30k bill on the delivery, still owe 1668? Another 1800 sitting off loan because insurance may/may not cover it?

    • Projected 150 minimum payment, less if it's only the 1668

• Card 1:

  • 2917.43

    • 29 minimum payment (they made $43 in purchases on this card this month )

    • Interest free until December

    • Lots of recurring subscriptions through apple, they've since canceled them?

• Chase (Card 2):

  • "The baby one:

  • 455/500 balance -> made 0 payments -> 523.60

  • $80 minimum payment

• Citi (Card 3):

  • 4752 -> no payment and $258 purchases -> $5039

  • Had paid 300 off of it to get it down to 4752 prior "And that's so sad" timestamp

  • She put multiple Afterpays on here

    • One was lunch. She afterpaid her lunch

  • $29 late fee

    • "The way I see it is it's not all the way 30 days past due because my breaking point is if it hits my credit you kn-" timestamp

• Bluecash Everyday Amex (Card 4):

  • 826 -> -$60 payment, +$192 new transactions -> $961.36/$1000

  • Minimum $40, interest free

  • "We actually had that paid off the beginning of February" -

  • At 857 because she made just a payment on it

• "I actually got one [credit card] sent to me in the mail the other day and I was like I don't need another one" timestamp

• "My thought process, hear me out, was that my utilization right now is probably like 94, 96 percent and that's godawful don't get me wrong but if I open another credit card technically it would exp-"

  • "I don't give a shit"

• Discover (Card 5):

  • $3453 -> -$94 payment, +$155 new transactions, +$83 interest, +$30 fees -> $3627

  • $134 minimum payment

• [indecipherable] Bank (Card 6):

  • "Furniture loan"

  • $2534, 0% interest for another year or two?

  • Minimum payment $150

• Apple (Card 7):

  • $7'988/$8000

  • 255 minimum payment, 29.4% interest ($171 interest)

• "I have 3 Affirm loans"

  • "Big one that we've had since September of last year"

    • $400 minimum payment, almost paid off, $671 remaining

    • Financed their wedding rings

    • "Only reason we did it was it was 0%"

  • "Two amazon purchases"

    • "Both like a hundred dollars so they're each like-"

    • $53 left on one

    • $120 on the other

• Self-told history of her financial life

• Phones are financed

• iPad is financed (they bought an iPad for the baby?)

• Her apple watch is financed

• Child support

  • "That comes out of his paychecks out of the gross percentage"

• Brandon 17000 in retirement

• Jessilyn "I don't have a retirement"

  • "I also have like a cash value life insurance policy my mom's been paying in since I was a baby. It's cash value is only 1700 dollars though"

• $50 in their savings 2000 -> 50?

  • Getting ready to move into a new place, most of that went to deposit

• $300 in checking?

  • Lots of paypals/venmo for eating out timestamp for her being told she cant eat out any more

  • Lots of Klarnas that are all paid off now

• She is one of the only people on earth still subscribed to SiriusXM

  • 110 yearly

Stephani, 35, Austin TX

Self-rated: 2/10

!straggots

Personal Life:

• "Been in debt since before she hit 18"

• "So I also have uhh CPTSD? So I also decided that I wasn't going to have emotions until this year too" timestamp !biofoids please translate this aside into scrotespeak

  • "Found out" February of last year? She doesn't say the word diagnosed

• "Somebody got me sent to the hospital for saying I was doing something I wasn't exactly doing" timestamp

  • "They said I was trying to commit suicide? Yeah, I kinda got like attacked, by the cops, and drugged by the EMS"

    • "Who said this?"

      • "This girl I've been trying to avoid for like a year or so...used to be a friend but you know sometimes people have to leave your life because they remind you of other people that make things wild"

Career:

• Nurse

  • "Lower paid nurse" - $32.54 hourly

    • Works a desk job now so averages 40 hours with a little overtime instead of the 60-80 she'd get otherwise

    • mostly remote

• Tries to do sidehustles

  • used to bartend for events

  • Writing jobs, currently freelancing writing curriculum for some company or school in Oregon?

Savings/Expenses:

• Checking $4'631 -> $5'639, currently $7400

• Savings $725?

• Retirement

  • Rollover IRA 2'189, currently just sitting not invested?

  • United Health Group 401k $9'515

  • Had thought she would get married and just have someone else deal with these issues for her

• A few $40 coffee trips?

• got scammed

• 55% of regular goes to rent (includes utilities), used to be on a COVID unit grift so her income was way higher when she got it

• Phone is $99 but she's supposed to get some credits for being a nurse from them?

Debt:

• I didn't catch the monthlies for a lot of these

• Lots in collections

• Mother had put some bills in her name before high school graduation

  • 

• A ton of stuff in collections

  • "I've restarted my life a few times and some of the stuff that's in collections I'm like writing letters to them because I've either never been to some of the places that are charging me or they were like my ex or other things"

  • Some of the companies are trying for debts that should have already expired or w/e

• "Portfolio recovery"

  • $100 a month, bought a laptop for a sales job?

  • "An Ashely's account" to buy furniture when she moved 5 years ago?

    • $645 left, was just a couch?

• IC Systems

  • Anesthesiology bill, currently owned by a debt buyer who's willing to give her at least half off

• Elevator Recovery $2039

  • broke her leg in 2020 and let the medical bills from that go to collections

• Credit Card:

  • Had to replace a battery around $160 but it's totally paid off now

• $30'556 in student loans

  • Around a $400 minimum payment, thinks she might be on an income based repayment? She's not certain

  • Some of these loans were for nursing school, some were from an abusive ex-boyfriend who used them to buy "race cars"

• Car debt: 9'000, 6 years and 25%?! not sure I heard that interest rate right

  • "So you what people do when girls go to car lot and try to get cars, they said like- they didn't even show me the original car that I went there for but they just told me the bank wouldn't loan me any money because the bank can recoup its losses easier on a new car than a used car if I were to not pay my car loans but I've never not paid my car loans so-"

  • $350 insurance payment

• Large number of hospital bills coming up

  • $4-5'000 "of the current ones"

    • Might get helped out by insurance but she's not counting on it

    • was thinking of payment planning it

Colton Rock Springs Texas, 26

Self-rated: 5/10

Employment: Christian Adventure Camp

• Was a summer job, decided to to do full time to avoid living with parents after academic suspension

  • Govt wouldn't give veteran living stipend if not doing education

  • Plans to go back to school within next few years

  • Might stick with this because a director position (30'000) might open up in a few years

• Retreat coordinator or host "ministry work"

  • "Talk with mens' groups or with churches and things we have them come out, specifically I'm in charge of mens' groups and [indecipherable] groups"

• $18'900 takehome

  • Laterally transferring to another job at same camp will be paid 19'000 flat

  • Doesn't need to pay rent, food, or utilities

  • 80 hours a week

• about $3000 total monthly counting disability

• Most of income from disability pay

  • got 42k when he left the military, half to help move half for savings

  • was paratrooper in 82nd airborne

  • "Double parachute malfunction ended up falling from around 1800 feet and I shattered my left femur, 26 different bone fragments"

  • $1'663 a month

  • Talking with VA about getting disability upped, would be pulling around 90k from that

• Retirement plan from the military gets a plan from the camp when he hits a year, plans to roll it in, camp offers 4% match?

Education:

• was free, still has GI Bill and Texas Hazelwood Act (latter will pay for another 150 credit hours)

• Academically suspended because grades

• Something about maritime? Looking at a 6 figure salary with it? I didn't fully catch this part

• He thinks he can get his Bachelors within a year

Savings/Expenses:

• $15'000 in an investment account

  • Wells Fargo Hedge Fund?

• $5000 emergency fund

• $10'000 in an IRA

• Looks like about a 2x coffee a day habit ($2 each) timestamp

• Basically all expenses are subscriptions or mobile games

  • Low-level whale paypig to one of the supercell games

    • lot of transactions for it, probably close to a thousand dollars

  • http://tcgplayer.com/ - trading card game marketplace (physical), doesn't specify which

    • Pretty big purchases on here, one of them was $77

  • http://cardkingdom.com - Magic the Gathering site

    • Paid 570 in one purchase on there

  • Rents movies on Youtube

  • Paypigs Blizzard, maybe Diablo Immortal or Hearthstone? Not sure what blizzard does these days

  • $77.78 on Dr Squatch organic soap timestamp

    • Looks like a monthly cost?

  • $148 at "Bass Pro Shop" timestamp

• Learning piano, pays for "Flow Key" (?) ($120 a year)

Debt:

• Tried debt consolidation but canceled that when they told him not to talk to creditors and realize it was hitting his credit score. He's on a payment plan with Capital one instead

• In therapy

• Credit Card 1: $3965 -> $6'817 -> $6633

  • Put a vacation on it (around 1000), going scuba with some old friends from the military

  • $116 interest accrued, then $169

• Credit Card 2: $4571 -> $3885 -> $3385

  • $113 interest

  • 152 minimum payment

  • Opened it when he got out of the military, went NEET mode for a year (2021)

• Car is a 2004 F-150 (paid off), had it a decade, 130'000 miles on it, thinks it will last another 6 or more

  • $90 a month

• Losing $283 interest a month total

Duncan 26, San Antonio TX

$57'303 total debt

$880 minimum monthly payments, 41% of his current income

At least $400 interest accruing each month ignoring student loans and stuff in collections

First truly mentally ill person on the show, he weirds me out a little but I might be just paranoid. I don't trust people who cry on camera. I've timestamped some of the oddness, not in chronological order

Self-rated 3/10 financially

Has been watching Caleb for "a couple months" hasn't started budgeting

• cries from stress of his situation? Tries to explain his failures in past attempts to budget timestamp

Diagnosed with "Bipolar II Disorder" plus some backstory, only recently got meds

• timestamp

Career:

• Delivery for Tiff's Treats and somtimes on-duty manager on weekends, does Grubhub/Doordash on the side

• "I got deactivated from Grubhub for some reason" timestamp

• Drives company car so his gas payments aren't bad

• Currently making $23 an hour and $18 as the stand-in manager

• hours cut, losing insurance in July (sales down year after year)

• nervous laughter here timestamp

• financially struggling

• only 6 stores in his district

Personal Life:

• Lost his last credt for film grad because Covid and classes/grades fell apart afterwards near beginning of covid?

• timestamp

• Was taking classes last semester? timestamp

• Not this semester though so Student Loans are active now

• Sudden jump from verge of tears to recitation of the canned youtube comment line about finance needing to be taught in high school timestamp

• "I think that's a big detriment to the American education system, nobody gets taught finances, ever"

• Wants to go back to school for a business degree but can't because of his current situation

Savings/Expenses:

• Nothing in retirement

• USAA checking

• Monthly balance $225 -> 281

• Spent money on Uber Eats, overly self-deprecating statement to dodge timestamp

• Same dodge trips to coffee shop/donuts/general eating out timestamp

• Shared checking with him and his girlfriend

• Pays to do gig work? Not sure if I understood that right

• $766 last month just on fast food/eating out (36% of income)

• Swipe savings

• $7 -> $161.85

• $224 car insurance payment since he got into an accident uninsured

Debt:

• Says he has a terrible credit score (551)

• Was at 630 3 months ago

• Found a credit repair company he's been thinking of reaching out to

• Student loans (paying interest only) Variable Interest Rates

• $13'316 14% interest

• 10% interest

• 10% interest

• Car Max Loan

• $16'584 remaining, 421 minimum monthly payment (he's got another 400 past due with a 21 late fee)

• 10.45 interest rate

• "All three of the credit cards I emailed you are in collections" timestamp

• USAA credit card

• Some old Visa

• Coles Card

• Owes $63.23 on "Afterpay"

• Also on Paypal, Affirm and Klarna "I made a series of really really bad decisions"

  • Affirm is 1k

• "And it's just this stupid stupid anxiety of not knowing what I'm gonna have left" timestamp

• Personal Loan

• took it out a year ago because he was "freaking out about money" at the time

• 1'400 balance

• Personal Loan

• $986 "one of those finance app where you pay a certain amount and you get the rest of the loan back"

• Not paying this one?

• Owes Grandpa $4'500

• "terrible situation"

• First car he bought died, grandpa co-signed for a new car

  • got t-boned and did not have insurance

• Has had 2 cars get totaled while on job?

• $10 monthly payments, it's informal

Some or all of this might be wrong, was listening to this while eating :marseynerd:

Adriannah, 22, Austin TX

Could you fix her !straggots ? I think this one's beyond me

Self-rated: very bad, worst of her life maybe

Is our student loan debt being forgiven or no?

No

For real?

Yeah for real

Okay yeah, because I have 9'000 of that and I don't know how to pay it

Personal Life:

• Cut off while she was 17, :marseythinkorino: had to work two jobs in highschool

• Went to college full time (lived there)

  • 3 jobs in college, part time wedding videographer, streamed on twitch and took a lot of addies (perscribed)

• Had addictions at some point, claims to be over them

• Trying to save to move (thinking about doing a payment plan with the IRS)

• A family friend told offered to be her financial advisor and put her in life insurance ($100 a month)

  • Kvetching about customer service mansplaining and not letting her open a Roth IRA :marseywomanmoment:

• In therapy "One time I had a really bad incident where I thought the world was ending and I spent $500 at HEB"

  • :marseywomanmoment:

• "A lot of my financial things are from travelling since my parents are far away"

Career:

"Content Creator"

• Tiktok, Twitch, Instagram

  • 109k Tiktok, 112k Insta, 15k Youtube, 100 paid subs Twitch

• Trying to expand presence on youtube

Income:

• $6 a month from Youtube

• $4-6k average income across all platforms

Expenses/Debt:

• Total minimum monthly payments $983, a quarter of her income

• Wanted to consolidate credit card debt but hadn't done her taxes for two years?

  • Just got a CPA, doing all her taxes now

• Someone else is using her credit card?

  • I missed a chunk, not sure what's going on here

• Restore "Monthly Payment"

  • Her IVs? !biofoids please explain, what is an IV?

  • "I get IVs because I had problem with my hair falling out and when I drink I can't throw up so umm usually I'll get an IV so it restores me"

• Tons of eating out, fast food places

• $418 on a Salon :marseyfoid:

  • "I wanted to look good because there was a chance I would get signed and get a literal salary to this thing that I was literally led on since August to get signed to and they were like 'Come to LA you`ll have a better chance if you come to LA' so I'm like I need to look my best I need to be my best self before I come to LA. So I got my hair I got extensions but they weren't mine they're my mom's so I didn't have to pay for them I just had her put them in and then, those extensions ruined my life. So this is me getting my extensions out and my hair redone because I could show you my bald spot right now but I'm not going to, my extensions literally ripped my hair out and it was like a mess."

• $213 on an outfit

• Stopped doordashing since she started watching Caleb's channel

• Car

  • "Before you say anything I will not be selling it... but I am going to be refinancing it. But listen-"

  • Couldn't refinance because she let her out of state license expire and now has to retake the entire test

    • Apparently this is an insurmountable process for this egirl as by the time she got her license to refinance she was deep in debt

  • Land Rover LR4 2011

  • 400 minimum monthly, 9% interest rate, 72 months, got it at 19

• Student loans

  • $900 Federal

    • $150 minimum maybe?

    • Didn't graduate, year and a half going to school for film

      • "It was a waste of my time because I talked to the lady, I said what, how can I reasonably get a job with this degree after and she said 'you can do wedding videography for a company' and I said 'I already do that' so I dropped out"

Credit Cards

• All basically maxxed out

• Apple store $6996.24

  • "When I signed up for an apple card I thought it was just for the Apple Store and I wanted a macbook beacuse I was like I'm buckling in and I'm editing"

  • Minimum payment- 280.74 (will be paying 20k over 21 years if only doing minimums )

  • 3 things financed on this card

    • Macbook, iPad, Apple Pen

  • Wanted a macbook

  • Still spending on it, bunch of apple bills for buying app subscriptions? "I don't know what they are" "I don't really look at my things"

• American Express $10'831 - 27% interest

  • She loves this one because it sometimes gives her 'free' first class upgrades

  • "It wasn't my choice to have that limit"

    • Customer service told her they love her so she went with it

  • "I started a show, it's called 'Drinking with Dree' where I invite 3 creators on, and I would like to invite you on' and we [words words words basically a podcast]"

    • Was going to use it to prove herself to that company she thought was going to sign her

  • I think this succubus is trying to get her claws into 's $$$$ and clout

  • Interesting contrast between how they approached the eceleb game Timestamp

  • $50 minimum payment but pays more than that (and spends even more than that purchasing with it)

• Mastercard $3356.44/$3500

  • First card

  • minimum monthly payment around $40?

  • 24% interest maybe?

  • Paying it off but spending way more than she's putting on it

• Target

  • "because my other cards were maxed out and I didn't have money for a while I had to use my Target card even though I just paid it off because I needed to buy groceries... And I could this right now if I wanted to"

  • $153 previous balance now $374 "well because I bought groceries"

• Paypal Credit Card?

  • Used only for stream stuff and editors

  • 646.94/650

  • normal minimum is 40?

  • not sure interest rate

Savings:

• 2000 in a savings

• 1450 in a checking but 900 of that came out to pay the CPA to deal with the taxes

• 3000 in a Robin Hood

  • Never pulled anything out of Robin Hood besides Doge

  • "I like that it's in Robin Hood because I am impulsive and crazy"

  • Gets stock advice from some guy on Twitch

  • Over a year 2900 => 2230 => 3100

Fantastic episode today. Guy's incredibly arrogant, typical journ*list. He believes he's famous? He keeps bringing up his degree in Information Systems and spergs a little (timestamp) when fatty says nobody cares. Comments are fire. Schizophrenia? He reminds me of a few I've encountered.

Chads show themselves in the comments

Everything I have written may or may not be right and might be completely exaggerated, don't trust me. I can't even spell right most of the time.

Response to a basic financial plan

'I don't care enough to stop eating taquitos'

Pure undiluted seethe the near the end

• The taquitos are a massive sticking point. Same with being called a baby

Vein goes bulgy

41 years old

Lives in Austin

"What do you do for a living?"

"Too many things"

"Okay, go on"

"I don't even know really, I'm just like hustling every day basically because I have been blacklisted from most jobs [laughing] because [laughing] I have a...[laughing] criminal background"

"woah what did you do?"

"I told Governor Abbot on Twitter that I would eat his heart and... umm.... that like solicited a big reaction"

"Misdemeanor B, terroristic threat," did this in 2018

Background:

• Moving in two months to Dallas Fort Worth area

  • Lots of connections there and way cheaper

    • Former client is the mayor of Arlington?

  • Doesn't have a place lined up yet

Jobs:

• At least a 6 year resume gap?

• 'I've applied for every job in this city'

  • Wattaburger

    • Said no to being a cashier because he was interviewing for a PTA director job

  • Gets chewed out about picking and choosing jobs instead of actually going for things

  • 'I can only take so much rejection'

    • Takes being called a baby very seriously

• CV:

  • Owned Avertizing agency

    • Got assaulted and apartment burned down? Didn't have renters insurance. wtf? Something's weird here.

    • 11 years ago

  • Journ*list

    • Paid $15 an article that would take full day to write

    • Also helped the site with advertising and made a 10% cut of that?

• Was not employed when he made that tweet?

• Former Journ*list, polemicist, and policy analyst. Wrote for 'thenewcivilrightsmovement.com'

  • Stopped in 2016 because he had a mental breakdown when trump was elected

    

• When rejected from job they either say:

  • 'I'm overqualified'

    • 'I'm overqualified for most things'

  • Some are because of his background check

• As things go on he reveals his true colors:

  • 'I think that's what people are afraid of. That if I go into a job they're afraid I'm going to be their boss right off the bat because I might be because that's my attitude and I'm smart and I can boss people. I have a degree in information systems. I've been a journ*list, I've been a policy analyst, an avertising agency, I've built apps'

Why won't you accept the jobs you feel are beneath you?

Because something better is going to come along and I just know it

Savings:

• Savings? Gone.

  • Owned an advertising agency for eight years?

  • Peaked at $10'000

• Nothing in retirement IRAs etc

• Parents paying his rent

  • Mother is 63, Dad is seventy-something

  • Hasn't spoken to his sister in years

• Income:

  • 'Random research papers,' 'strategy briefs,'

• Started month with $67 in his account

• Ended month with $800

Expenses:

• Rent: 1500

• Lotto.com 'I'm gonna hit it big, make millions'

  • 'I've spent like $30' (he's spent more)

• Pays for OnlyFans, and Bari Weiss's substack among many other subscription

• Buys Taquitoes from 7-11 daily, hundreds of dollars flushed away on that and other useless shit

Short Term Loans:

• 'They send you a check in the mail'

• 30% loans to 100% apr

• $3000 in them

• Wanted to find a musicisian to develop an album with him

  • Something about Open Mics?

• Monthly payments are ~100

• 'It will be paid off soon I think'

• Most recent one was early March this year

Debts:

• Car

• $9000 on it

• 14% interest rate

• $70 a month minimum payment

• Credit Card

• Capital One

  • $700

  • 18%

This one's really really weird. Something feels incredibly off about his situation or at least the way he talks about it. Please post your opinions because I'm at a loss.

Personal Details -

• 33 y/o Virginian

• Lynchberg

• Job - "Large Tech Company" "Manages Account Managers"

• Father was a Pastor

• Eight siblings growing up, spends a little too much trying to give his kids opportunities that he didn't?

  • issues when trying to save that isn't directly for a thing he wants to buy

• Married for 10 years

  • Caleb suggests couples therapy per usual

Job Status - (He's getting laid off)

• $33k equity every year vests every 3 year?

• 115k 10% bonus half performance half company performance

• 7.5% last year

• "Company is doing well" holding margins and growing a little

• 1.1 billion a quarter revenue? There since 2018

  • Net 200 million

• Company is laying off 8% of workforce

  • Rolling layoffs

  • Found out March 1st that he's getting laid off, but begging him to stay until May 1st

  • Volunteered to be laid off if they were laying off someone at his level?

    • Asked Jesus if he should volunteer to be laid off or not and I guess Jesus said yes?

      • Also he wasn't doing much there? And had gotten complacent? He said this later

    • Cousin says he'll pay 120k at a director level role in a different company

    • Given 3 months Admin Leave

    • Cousin's company decided he was not qualified so this is all down the drain

      • Will be going to get a real estate license instead

    • Other cousin has offered him a real estate job (he is going to try this)

      • plans on bailing if he can't sell something within 3 months

  • They are working on some sort of important legacy system migration but still getting cut?

  • Wife's 'cap' is 40k

  • Severance -

    • ~30k including the Admin leave thing?

    • 35k 2 weeks for every tear there

    • 10k retention bonus for staying

Expenses -

• Donations

  • $800 a month to his church

  • $170 a month to missions

• 6k per year for two kids in private school

  • Hybrid school, home schools 2 days a week

• No mortgage

  • Bought a house for 265'000, sold it for 575'000

  • Some weird stuff with the grandfather giving him money or something? I lost track of the plot

• Lots of going out to eat, the wife takes the kids very frequently instead of cooking them food? Timestamp

  • Weird stories from the wife's childhood something is very very wrong here. Timestamp for anyone willing to help me parse this. I feel like I'm missing something.

• Fast food expenses are appearing on the recurring bills credit card. Timestamp

• Recurring payments for whole organic milk for "allergies" - This turns into "store bought milk is not as good for you"

  • Timestamp

• Budget - income is equal to expenditure

Savings -

• 20'000 savings

  • 10k cash in bank

  • 10k in Bitcoin

  • Only has that 10k cash in the bank because he watched the videos

• Wife and him have 3k in checking account (4%):

• He has 5500 in Etrade (3%)

• Had 36'000 emergency

  • All spent?

  • Can't name where he spent them

  • treated as a slush fund

Debt -

• 401k loan

  • Needed 10k, had 15k on him but needed more

  • For a legal situation 5k retainer, 10k refundable in a year?

  • Portfolio Value $39'000 (including the loan)

• Has gone through cycles of consumer debt in the past?

Credit -

• Credit decimated by a Coles credit card with a balance he forgot about for 6 months

Caleb seethes about some book called "Rich Dad Poor Dad" for a minute or two Timestamp

"I don't know where my money's going"

Some of this might be wrong, but I think I got most of the interesting points. Dude's dug himself a pit and there's not going to be any good way out of it, I think. It's split up based on the timestamps in his description

00:00 Does he even know how much money he makes?

• Weird stuff at the beginning where he doesn't want to show his eyes, location or age.

• Works at a tesla factory

• Financial situation is "pretty wonky"

06:11 Tax fraud?

• Left last job because he didn't want to get vaxxed

• Didn't waste money paying taxes on the interim job

08:49 Weird expenses?

• Two credit cards

• $358 in road tolls, includes late fees? He stalled them to the point of being threatened with court?

10:11 You have NO MONEY!!!

• $3049 in, $5000 out

• "I've been... you could say... investing"

• "I used to budget" "I've maxed all my credit cards" "I used to have thousands money in my savings. All those thousands absolutely gone." "I had to close my savings, in fact I didn't close it myself, the bank just completely deleted it."

11:43 Rent is 60% of his income

• "Undisciplinary actions on a mutual basis when it comes to sharing rent, for sure"

  • His former roommate (family member, brother) ditched him and left him with the lease

• Back and forth about whether the roommate is in fact fricking him over by leaving him with the rent bill

  • The answer seems to be a Yes but apparently it's consensual

• Lease ends in a few months

17:53 You have NO MONEY!!! p2

19:53 Going massively into debt for a dream

• Big money spent on audio equipment, paying in installments

• Learning audio engineering

• Just finished paying off a second(?) $1200 subwoofer

• Splurged a little on audio software plugins

• "I've had chances to make money but I did not at the time receive money"

  • He refused payment because he wasn't satisfied with the quality of his own product

• Believes he will make a thousandfold return on investment

  • Has sunk at least 20k into this

26:33 150% utilization on credit cards!!!!

31:54 DebtCHAOS

• One is over $5400 and the other is $2697

• $1700 over his credit limit, they're still letting him purchase on it

  • $129 interest on that in November? Not sure I heard this right

• "Once I learned I could [spend over the credit card limit] it kinda just set this mentality that I could just do it and then pay it off"

• $6 under the credit limit on the other one

• Got declined on a $1 purchase

• 0% interest until early spring on Credit Card 2

• Been recently building up hardware collection, started out on software but moved onto hardware

34:00 Hidden car debt....

• Car loan

  • More than 60% paid off

  • 4% rate

  • Cosign on the initial purchase, refinanced under his own

  • 2018 Chevy

35:31 Do you even have a financial future at this point?

29:50 Are you willing to sacrifice at all?!

• Mostly backstory stuff

• Had some health problems during the moving job which made him quit

• Been cutting back on fast food

41:51 Clean up this MESS

44:03 Rent is 60% of his income p2

• roughly 1900 on rent on a roughly 50k income? Not certain I heard this one right

• Long defense of the brother because the brother has helped him out bigly in the past?

50:22 Broke forever...

52:35 Hammer Financial Score