bottom text

!nooticers

More seethe:

https://old.reddit.com/r/FluentInFinance/comments/1ci4fw0/welcome_to_the_whitecollar_recession/

https://old.reddit.com/r/business/comments/1ci4g1k/welcome_to_the_whitecollar_recession/

https://old.reddit.com/r/NorthCarolina/comments/1cthg2d/are_any_fellow_whitecollar_graduates_in_this/

Over the past year or so, pretty much everyone who's looked for a job has told me the same thing: The job market is brutal right now. They've applied to dozens if not hundreds of openings, only to get one or two callbacks. No one's hiring, they tell me. I've never seen it this bad.

Listening to them, you'd think we were in the middle of a recession. But the confusing thing is we're nowhere close to one. Unemployment is near a five-decade low. The economy is adding hundreds of thousands of jobs each month. Wages are growing faster than inflation. By all the standard measures, the job market is doing just fine. So why am I hearing such a different story from people on the ground?

The dissonance finally started to make sense to me when Vanguard, the investment-management company, released its latest report on hiring. By looking at the enrollment and contribution rates of its 401(k) retirement plans, Vanguard is able to calculate a national hiring rate broken down by income level. And what the numbers show is a two-tier job market --- one divided between a blue-collar boom and a white-collar recession.

Among Vanguard's lowest earners --- those who make less than $55,000 --- the hiring rate has held up well. At 1.5%, it's still above pre-pandemic levels. But among those who make more than $96,000? It's pretty depressing. Hiring has slowed to a dismal 0.5%, less than half the peak it reached in mid-2022. Excluding the dip in the early months of the pandemic, that's the worst it's been since 2014. If you make a six-figure salary, it really is a bad time to be looking for a job.

The question here is why. Why are companies hiring so few white-collar workers right now? Several possible explanations come to mind. It might be that fewer people in corporate jobs are quitting right now, which would mean companies have fewer openings they need to fill. It might be that the industries that are struggling the most --- tech and finance --- are the ones that employ a lot of high-earning professionals. Or it might be that CEOs are making good on their threats to cut back on what they see as corporate bloat --- what Mark Zuckerberg has called "managers managing managers, managing managers, managing managers, managing the people who are doing the work."

But there could be a bigger, more worrisome explanation for the downturn in white-collar hiring. Maybe companies are anticipating tough times ahead and trimming their budgets accordingly. "If you need to pull back on costs," says Fiona Greig, the global head of investor research and policy at Vanguard, "pulling back on expensive workers will reduce costs to a greater extent than pulling back on your lower-income workers." Translation: The more you earn when budgets are tight, the less an employer wants to hire you.

Now, you could argue that a slowdown in white-collar hiring doesn't really matter in the current economy, even for white-collar workers. Sure, Vanguard's data show that things are tough for professionals who are looking for a job. But there aren't that many people who actually need a new job right now: The unemployment rate for people with a college degree is 2.1%, and the national layoff rate is below what it was pre-pandemic. When the vast majority of professionals already have a job --- and are able to keep their jobs --- maybe it's OK that companies aren't hiring.

But that argument doesn't take into account one important factor: What if the job you have is one you hate? I have several friends who are unhappy in their current jobs, but they can't quit because no one is hiring. Some observers have called this combination of lower hiring and less quitting "the Big Stay," suggesting a kind of equilibrium after the chaos of the Great Resignation. But my colleague Emily Stewart has a better name for it: the "trapped in place" economy. I think professionals feel this trapped-in-placeness particularly acutely. After all, it wasn't that long ago that they were enjoying a "take this job and shove it" swagger, which was fun to watch. During the Great Resignation, they knew it'd be easy to find a new job, which meant it'd be easy to walk away from their current one. Even if they weren't planning to leave, the job market gave them a sense of freedom --- the feeling that they no longer had to put up with a bad boss, or a brutal workload, or an arbitrary return-to-office mandate.

This, I think, is what explains what people are calling the "vibecession": the weird state of feeling like we're in a recession even though all the standard metrics show we're not. What we're experiencing is actually a slowdown in *white-collar *hiring --- and white-collar professionals (me and my angsty friends) are the people who shape the public discourse about the economy. "People feel that things are moving in the wrong direction," says Guy Berger, the director of economic research at the Burning Glass Institute, which analyzes the labor market.

And for the most elite professionals, things could get worse before they get better. Berger tells me he doesn't expect a full-on recession anytime soon. But he's keeping an eye on the unemployment rate for people with advanced degrees. Pretty much everyone else is doing OK, job-wise --- but there's been a slight uptick for all the smarty-pants with master's degrees and doctorates. They aren't exactly struggling right now. "We're still talking about the people that have the highest pay in the job market and the lowest unemployment rate," Berger says. But for them, hiring is headed in the wrong direction. And as AI cowtools increasingly encroach on professionals' tasks --- writing, coding, coordination, analysis --- we'll likely see a lot more weakness at the higher end of the income scale than at the lower end.

This isn't the story we're used to hearing about employment. For decades the economy has been leaving workers with lower incomes and less education behind while professionals have reaped all the gains. But now those roles are reversed, and it's the high earners who are taking the hit. No wonder everyone is confused about how the economy is doing. "We're having some trouble collectively digesting that," Berger says. And the longer the white-collar hiring lull continues, he warns, the more the resentment will build.

"Even if there's no big surge in layoffs, people are just going to get grumpier and more dissatisfied," Berger says. "If it continues for three or four more years, it's going to cause a lot of discontent and low morale in corporate America."

Madison, 24, Austin TX

Personal Life/Career:

• Fashion/lifestyle brand, part of "philanthropy" team

  • "Philanthropy Specialist" - "Corporate CRS"

  • 57'000

  • Thinks her income level is pretty okay

  • "I have a little debt but it's fine it's not that deep, to me"

• "Why did you come on the show?" timestamp

  • She read comments saying they wanted someone normal and she decided she could be that person

  • "I feel like I'm one of the best you've had on the show"

• "What are you looking to get out of the conversation" timestamp

  • Going on a few trips in the future, wants advice on budgeting around those and her other debts

• Doing some sidegigs? Never actually explained so I don't think she's actually started any

Financials

• 68'183 total debt

• "Why do you have all this debt?" timestamp

  • College expenses

• Self-scores a 7/10

• Credit Card 1 (Discover) ($3'600) timestamp

  • $99 minimum payment

  • $78 interest accrued, she didn't know that this was a thing

  • She's been throwing just a little above her minimum payment at all her debts?

  • Tries to explain how interest works to her with a graph timestamp

  • College card, had it paid off last year, then racked up a balance again "shopping issue"

• Credit Card 2 (Amco) (6'486) timestamp

  • 2500 credit remaining

  • 233 minimum payment

  • Last payment was less than her minimum? "Oh, I might have forgot about that"

  • How'd that get up to nearly 7'000 dollars? timestamp

    • Thinks she balance transferred it from the Discover card?

    • Mostly spendthrift behaviors

    • How much does she think she spends in a month total? timestamp

      • Thinks around 2'000 spent out a month total - actually it was $8'742

• Credit Card 3 (Care Credit) (1'647) timestamp

  • "I've almost paid it off though I feel like timestamp

  • Was 2600 last year

  • "I think that's really good"

  • Brings up dying dog spending to deflect

• Medical bill $124

  • Forgot to pay it after they sent her the bill in the mail

• He forgets her age and calls her 26 while she's defending calling herself above average timestamp

• Car (2023 Rav4) () timestamp

  • 9% rate

  • Didn't catch a total or a minimum payment for this but it started $40'000

    • Around a 700 minimum payment?

  • August 2023

  • Used to have a Buick Encore, got into a wreck so she needed a new car

    • Had gap insurance

  • She "wanted a new one"

  • "Mental math is not my strongest"

  • $193 insurance payment

• Student Loans timestamp

  • Studied Marketing at Texas A&M

  • Most around 4.5%

  • "I haven't paid really any of it, I think I've kind just paid 30 bucks maybe 60 bucks on two of them"

  • Doesn't think she's on deferment, she just isn't paying them

  • 10 year repayment plan

    • Actually she might be on income driven repayment

  • $50 minimum payment? She's past due

  • Still hoping Biden forgives it

  • Pushback on why she deserves debt forgiveness timestamp

    • Extremely wishful thinking

    • Dreams of marrying into wealth

    • Got a D in finance, Barely passed Accounting

• Personal Loan $183 timestamp

  • Took this out "a really long time ago"

    • July 2022

  • Claims not to remember what it was for

• 545 credit score

• Spending timestamp

  • lots of shopping

  • lots of eating out

  • Few Venmos out, "a lot of bacholorette trips"

  • Amazon

  • Mother and brother are broke she zelles them sometimes and they zelle her back?

  • Screen recording of her Amazon purchases timestamp

  • Venmo Transactions timestamp

• Travel plans timestamp

  • Going to Europe

  • To see Taylor Swift in London

  • around $800 on just the plane ticket

  • "Already paid for the concert so that's kinda free in my head"

• Spending Chart timestamp

  • 6% of spending went to debt

  • 21% to medical, she's not sure what this is

    • $1725 to an eye doctor timestamp

  • Mysterious 1600 expense timestamp

• Budget Chart timestamp

  • 887 rent

  • 1071 minimum payments

• Refuses to sell the car because she likes it timestamp

• "Hammer financial score, frick her"

Have to steal @Gibberish thunder here, because this video is absolutely nuts.

• Woman, by her behavior and demeanour, is LITERALLY r-slurred

• Blamed a lot of her spending on ADHD, unmedicated at time of video

• Makes $25k a year at Tesla

• 25% or her money goes to 401k match and Tesla stock buys (to her credit she is actually trying to somewhat pay for retirement and her children's future through this.)

• 3 kids at 24, all with same dude, one kid is 2 and other is a set of twins.

• Got $10k in child tax credits, used $4k to pay some debt to baby daddy's mom and blew the rest on a vacation to Dallas and a Post Malone concert. Why? "I never get to do anything and it was fun." !foidmoment

• $1600 spent at Target.

• Second children were "planned" even though they were/are in debt and live with baby daddy's parents. Used to live with her parents until they divorced and Dad kicked them out.

• Tons of shit in collections.

• Didn't work for awhile after twins.

• Baby daddy "hurt his hand" and hasn't been working, just started a job at Papa John's and makes $380 a week.

• Dude has spent hundreds of dollars on vapes, PSN purchases, and onlyfans during his time off . !moidmoment

• Buys tons of snacks at work vending machines.

• Has a scion, underwater on it of course, hasn't been using it for the past seven months because the key fob got run over .

• Instead of getting that replaced, she went and got a Mazda CX9 with an insane payment of $600+ a month for 72 months. Reasoning being she need more room for the kids and their car seats.

• Caleb tries to talk some sense into her, says she could have gotten a 3 kid car seat setup instead of that. Caleb even offers to buy her one near the end.

• Near the end of the video, she lets it slip that CarMax has a 30 day return policy. Caleb is, of course, overjoyed, tells her to return it immediately, and doesn't take that debt into account for her budget.

- A video edited in shows that she did not, in fact, return the car, supposedly because everyone around "forced her not to."

• Caleb says he will give her $250 to get the Scion checked out, has to explain to her she needs to get it towed or get a locksmith to make her a key to get it to the mechanic to get it looked at.

• Caleb's budget for her leaves her with $12 in the bank at the end of the month.

I went over to the Caleb Hammer subreddit to check out what they were saying about her, and she shows up in the comments:

Hey guys, this is me! Thank you for all the tough love comments. I honestly think they'll help. I just wanted to address some of the more common things people are pointing out/getting wrong. 1) The whole car situation didn't just happen because the key broke. I did need a bigger vehicle since all 3 car seats wouldn't fit into my scion. Could I have gotten a cheaper car? Yes. 2) I looked dead inside because that's how I feel most days 😂 I wake up at 3 am every morning M-F to get ready for work, get home at about 4 pm and then stay up until 10-11 pm looking after my kids. 3 under 3 is tough, especially with the hours that I have. 3) $6000 was spent but it wasn't entirely on the trip. A lot of the spending I did at target was stuff for my kids, granted that it wasn't stuff they necessarily needed. The only thing I really did for myself was going to the concert. I took the kids to the aquarium, got an air bnb with a pool so they could swim, took them to a Mickey Mouse event (it's my 2 yr olds favorite character) 4) I know I seriously need some discipline. I wasn't trying to use the adhd as an excuse, I just wanted to highlight why it was so difficult for me to control my impulses. I have set up an appointment to be seen by a professional so I can get the help I need. 5) I know I'm a mouth breather 😭 it's very hard for me to feel like I'm getting enough oxygen by breathing only through my nose. I've just always been that way. I tried getting braces but they said my overbite can only be fixed via surgery and I didn't want that. 6) I'm not on food stamps, wic, Medicaid, etc…my 2 youngest kids are on Medicaid but my oldest is on my health insurance I get at work. I'm not using any government programs

And I just want to end this by saying I extremely care about my kids. I may not be the most financially responsible and that is something I'm trying to work on. My son is speech delayed and has been put into speech therapy. He's being seen by the school district for special education services and I'm very much involved in everything going on with him. I'm the one that schedules all doctor appointments for my kids, I'm the one that plans the meals, plans their activities… I'm the default parent. I just wanted a little break from reality but I now realize I went overboard and I honest to god do regret taking the trip. Only thing I can do now is get that second job and just hustle until I clear my debt.

A further perusal of her history shows her boyfriend and her fight a lot, she wanted to leave him, he cheated on her, the usual.

So how's it feel folks? While you were probably doing the right/white thing, Idiocracy was happening right under your nose. At least we'll have at least one new friend here for the 20th birthgay

Oklahoma = poor dont overthink it

I hope Kyle finds anything at all

Jaundic eyes

let's do it!

Meth filter

Step one is don't be single fatty

Celibacy

Facebook is so darn good

Wyatt, 23, Kansas City Missouri

Career:

• "So I do Private Security, basically people pay me to fight for 'em" timestamp

• "I just fight hobos or I just watch people and call the cops"

• 40 to 45 hours a week depending, $20.60 an hour

  • "So I make about 70 to 80 thousand a year" timestamp

    • VA bucks from a medical thing - $3'758 a month

    • Doesn't want to give deets on what these are

• Works overnights

• Served in the military timestamp

• Job deets timestamp

  • Bring your own equipment policies?

  • Didn't know what the median income was, thought he was making big bucks

Financials/Personal Life

• Does not like to cook, something about his schedule

  • Why does he not just wake up and get groceries timestamp

    • "I don't really want to do it, sleep's important to me. I'd rather sleep."

• Self-scored 7/10 financial score

• Owns a house and car

  • VA home loan thing

• So how'd you get into so much debt in the first place timestamp

  • Got addicted to strippers, was blowing 80%-90% of his income on them while enlisted?

    • Refuses to admit if he had s*x with them doesn't want to catch a felony

    • Claims he stopped 3 or 4 years ago. Story time on why - timestamp

      • He lost his military id and "starved for 2 weeks" because he'd blown all his money on strippers and had none

  • Caleb claims not to be a virgin

  • Way easier to pay for fake attention than to approach real women

  • Went into debt "Yeah so I had a credit card"

    • $8'000

  • Paid off this stripper debt at some point

• Credit Card 1 (Navy Federal) ($7'092/$7'500) timestamp

  • $380 new purchases last month

  • $105 interest

  • 175 minimum payment

  • "So I don't really know what I purchase on that"

  • Thinking about leveraging on his home to pay off credit card debts?

  • "So usually I take the approach of stockpiling my cash, I really don't want to pay off my debts"

    • Tries to explain why he's spending so much timestamp

  • He's paypigging to twitchs timestamp

    • $120 in Twitch subs

    • $250 in Twitch donos

    • Claims to be a Sigma Male because he can just go to a strip club

    • "Three separate instances" "Crashes a streamer's UI with memberships"

      • Total $1500

      • Host attempts to understand what he is talking about timestamp

    • Meant to do this out of his checking account?

• Credit Card 2 (Amazon Chase) (3'756) timestamp

  • Computer parts, books,

  • "6600 Motherboard", some RAM,

    • Thinks he could get $800 for selling components

  • $16.11 new purchases

  • 112 paid off

  • 79.10 interest accrued

  • 116 minimum payments

• Car timestamp

  • 2018 Dodge Durango

  • $33'677 balance

  • 11% interest rate

  • $884 minimum payment

  • car is worth maybe 14'000

  • Purchased a BRZ, then wrecked it while closing the house and decided to purchase the house instead of fixing the car?

    • Got rear-ended, engine "self-destructed" after he got it back from the mechanic, he'd never changed the oil?

  • "Only vehicle that would hold that amount of negative equity on it so that was my only choice"

  • $2'000 of 'basic maintenance' last month timestamp

    • Brakes, tires

• Why did he want to buy the house timestamp

  • G*rmans brought bedbugs into his apartment

  • He was sleeping on the floor they were crawling on him

• Student Loan timestamp

  • "LentKey"

  • Went to college before getting the VA benefits?

  • Used GI Bill to help pay for living expenses

  • Quit going to college after 2 years

  • Studied Business Administration

  • 5'500 initially

  • $25 minimum payment

  • 6'700 owed

  • 10.39% interest

• Mortgage timestamp

  • 100'000 appraisal on the house

    • Thought it would be around 165'000

  • Would not be able to get a loan on it large enough to pay off debts

  • Put $1'000 of materials into it

    • Leaking roof, fire damage on the exterior, redid the sidewalk

  • Was getting fliers in the mail about leveraging his house reminds me of a thing

• What's your credit score? timestamp

  • Thinks it's 700

  • "So I can't take any more debt because I've reached my limit"

• Gets told to go through his own transaction history to mark all the stupid bullshit timestamp

  • It's all bullshit

  • He has never budgeted

  • holy shit he's paypigging so much

  • Crunchy roll

  • Steam games

  • Lots of vending machines, so much money to the vending machine

  • Pays for Quora

  • Pays for Grammarly

  • Pays to Groomercord, $100

  • Mobile games "tech tree"

    • Other mobile games ton of them

  • Paying for AI assistants because he likes to write in free time

    • AI helps with editing?

  • Plays EVE Online, $20 subscription

  • "VoiceMod" "I don't know what that is"

  • What does his daily routine look like timestamp

    • Beyond bleak.

• "So a friend of a friend I pay 300 for his number just to troll" timestamp

  • He calls up people to pretend to be tech support? I really didn't understand this. Don't people just use throwaway number services for this stuff for free?

Shots across the bow at Reddit

• Timestamp

A lot of the good trades jobs are actually pretty math intensive. Geometry for carpenters, algebra for electricians etc. But I guess these students are counting on an illustrious career as a grunt day laborer

Lol what? !tradies maybe I've been half assing it but I really don't use anything past 6th grade math for either carpentry or electrical work.

It is interesting you mention this! I had a great conversation with someone a few weeks ago who is a plumber, and he talked about the intricate trigonometry he has to do by hand on the job site when the computer is not available. Amazing.

He blew smoke up your butt. Phones exist, he had one, he used it.

The dismay my students have over hearing they absolutely have to be proficient with ohms law to be an electrician or HVAC tech is overwhelming

I have never meant a single sparkie under the age of 35 who can do ohms by hand. None of them.

I have nothing solid to base this on other than vibes, but I think that pushing “college readiness” yearly starting before they even hit puberty undermines faith in college. Like if we're having them paint banners for various high class famous colleges and then send them into a math class they're failing because algebra isn't clicking for them and then on to an English class where they didn't do the assigned reading because the words made no sense… are we not telling them that college is both mandatory and unattainable at the same time?

The Trades represent an attempt to escape the trap. They're where you go to succeed if you suck at meaningless BS schoolwork.

Reasonable comment, heavily downmarseyd lol.

I don't think they're thinking "trade school." They're thinking on-the-job training and their uncle or brother-in-law is going to get them a job. We (as responsible adults) think tradespeople are well trained professionals, but there's a large subset of tradespeople who want to do the quickest and cheapest job possible for the most money. THAT is what high school students think the tradespeople do. THAT is why that's what they want to do.

God what a c*nt.

There is also a large subset of "tradespeople" without training...some of them stand outside Home Depot at dawn. To that add the people who learn enough welding to fix a plow or who wired their own pole barn without it burning down yet. They tend to be hired by contractors because they work cheaply.

U know it bb.

Yep. This one kid stood out to me for that. I know his mom and he would skip class and say it didn't matter because he was going to work for his dad when he graduated. Just assumed he'd graduate. Out of curiosity I asked his mom what her husband did that he could just hire on family members. He worked for a construction company- not a boss in any way. But this kid decided he could just work at dad's company and VOILA!! Smh

And? Unless his dad is a complete and total failure his recommendation is going to carry a lot of weight.

Also, the true way to “succeed” in trades is to work under someone until you can own your business when your body can't do the work anymore. You have to have a basic grasp of educational skills to do that. Owning your own business is no joke, and trades are often rotating doors of employees. My sister's boyfriend is a plumber and it's common for men to be employed for a week or so and then be let go because they have low work ethic. It's not easy. It's just a different type of difficult.

!r-slurs come get your boy.

Tradesmen make more than you (which you lot b-word and moan about to no end). They are literally more successful than you.

Mechanics make good money but it's hard work and these days it's way different since a lot of the cars have electronics components up the wazoo to the point anyone bad at math or tech is not going to be able to fix many issues as a mechanic for the newer vehicles.

Oh look another r-slur. You buy a fricking code reader/sensor tester and plug it in. It then does all the math for you, because why the frick wouldn't it?

You can really noootice that this guy has never worked on his own car.

Oh no not the dreaded "Check engine light" what could it be now?

Whatever the reader says it is

Yeah these kids need to go work at a lube monkey job for a while and see if they like it.

I never planned on being a mechanic as a career, working as a lube tech was just a high school/college job, but my back and feet ached everyday and the skin on my hands are still fricked from the oil decades later, and I ended that job at 23. Now that I'm in my 40s, I understand why all the older guys there were burnouts hooked to pain pills. Their bodies were breaking down but they couldn't find another gig.

lol no.

He fricked up the audio normalization so his shill sections are 5 times as loud as the rest of the video

Sophia, 23, Dallas TX

Personal Life:

• No college

• Her mentality about money timestamp

  • mentions that she is often a passenger on roommate's motorcycles

Career:

• "Plan Administrator"

  • Company works at post office

  • Sounds like a makework job

  • 20 an hour. 40'000

    • 40 hour weeks

• Her career plans timestamp

  • Sounds like makework job harassing actual workers with dumb regulations

• Was doing safety audits in warehouses previously?

• "Where do you want to be in 5 years?" timestamp

• Also door to door sales for a window cleaning company timestamp

  • Made a single sale since February

Financials:

• "Why are we in so much debt today?" timestamp

  • Claims she moved to arlington then moved back and cost of living there was more expensive

  • Host pushes back, she's spending $800 a just on eating out (rent was $650 at its highest)

• Self-scored financials out of 10 timestamp

  • 2

• Credit Card 1 (Capital One Quicksilver) ($6360) timestamp

  • $209 minimum payment

  • $146 interest accrued

  • $7000 credit limit

  • Made minimum payment and also made $1095 in new transactions

  • "Nice things like nick-knacks"

  • Claims she budgets timestamp

    • Later she gives more details about how she "budgets" timestamp

  • She defends her gas station snacks timestamp

  • "I saw that I could get more points" timestamp

• Shares an account with her parents? timestamp

• "What about my credit" timestamp

  • She's watched his show but somehow doesn't understand anything

• Credit Card 2 ($4879) timestamp

  • $170 minimum payment

  • $175 paid

  • $142 new purchases

  • $121 interest accrued

  • 30.74% interest rate

• Credit Card 3 (Apple) ($4816)

  • $137 minimum payment

  • $87 interest accrued

  • No new purchases

• Car timestamp

  • 2021 Kia Rio

  • 66'000 miles

  • $273 minimum payment

  • $10'195 remaining

  • 72 months remaining

    • She tries to justify why she went with such a long term

  • 6% interest

• Checking Account timestamp

  • $644 in there current "That's bill money, can't touch that"

  • Some discussion about cleaning her car, apparently it's constantly messy and she's spending a lot to clean it?

  • Tons of eating out in her checking

• Fell for the dumbest crypto scam on the planet $40 timestamp

  • Posts thirst traps on twitter and got scammed by a based thirst trap trapper bot

Spending Pie Chart timestamp

• Spends near double what she makes

• 15% housing

• 4% debt payments

• 3.4% phone

  • Financed her phone, $137 a month

  • Mentions she forgot her phone was financed and financed a second phone timestamp

• 18% transport

• 18.4% eating out/snacks

  • Goes through the details of these, there's so much timestamp

• 15% shopping

• 6.6% medical

  • "started therapy recently, also $1'000 of medical debt"

• 7% Misc

• 7.3% "Other Large Purchases"

Hypothetical Budget pie chart timestamp

"I love frogs" timestamp

• "all my frog stuff is still being put up"

• "I buy things like that"

• mentions about frog conventions, wants to include them in her budget

HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA https://t.co/QcSyz7TBmP pic.twitter.com/uqHu3ED9cx

— Andrew Tate (@Cobratate) May 13, 2024

Acting like smoking weed is shooting up meth. I get you shouldn't be spending money on it if you're in debt. But I feel like he would discriminate anyone. It's a medicine. yes it can be abused. I know he is 100% sober, but he can't possibly realistically hold that expectation to every other human and act like they're stupid for doing ANY vice whatsoever. Thoughts?

Yo man this is like my medicine man takes fat bong rip, coughs lungs out for five minutes

I think if you are in the debt most of the people on the show are…spending money on weed is pretty stupid…

OP: (-30 karma) I agree. It was more a hypothetical. Personally I have 0 debt. 100k invested. 10k HYSA 20k checking. I am wondering what he would say about me spending money on weed.

I would also be curious to see someone come on with a medical card for a legit reason and see what he says about spending money on it at that point

It can be a medicine. It by far and away 99.5%+ is not used for that purpose.

...

I was replying to OPs assertion of it being a medicine.

Smoke the stank if you want. I don't care. Better yet, vape it so it doesn't stink so bad. Legal cities are so bad now. All of them smell like piss and weed now. And this comes from a legalization advocate...

OP: It is a medicine. I was not saying the majority of people are using it as medicine. But that doesn't take away from the fact it is 🤣😂. Percocet is a medicine. It can be abused. Xanax is a medicine. It can be abused. Adderall is a medicine. It can be abused. Weed is a medicine. It can be abused.

Kind of. Like how Pepsi is water.

OP: If you believe in no medicine whatsoever. I respect your opinion. I truly do. But if you take any medicine. You're a hypocrite

I say this as someone that smokes daily. You're the type of insufferable person that makes it embarrassing to talk about to a stranger. You're the weed equivalent of a weeb.

OP: I respect all beliefs but when mine are attacked I'm going to defend them and not fall over.

YOU CAN'T JUST COME INTO MY HECKIN' THREAD AND DISAGREE WITH ME

Calling it a medicine is a little bit of a stretch considering the vast majority of the users are teenagers and 20 somethings. Yes, I'm aware it can help cancer patients with nausea. I'm also aware 99% of the people who I've met who smoke weed, do it recreationally and don't have cancer.

It's also not legal federally, just decriminalized.

OP: The legality of it is not relevant. The people he attacks are buying it legally.

It treats countless additional conditions other than nausea for cancer patients going through chemo.

A bit of a naive, bigoted comment, IMO.

Le bigot sans le bong

Since you're Honest_Graprfruit I'll be honest. This sounds like you're coping.

Most people smoking weed abuse it. If it's showing up as a monthly expense... you're likely one of the abusers.

OP: Medically prescribed by a doctor bucco.

Would you say the same about a monthly charge at a restaurant for alcohol?

A beer distributor trip a month? Liquor store?

OP: If the answer is yes you would call that coping too. Then fair enough, I respect your opinion. But if the answer is no, you're hypocritical

The surest sign you're not mad and also winning an argument: the double post

they said its medicine, even they're not have disease and use that for treatment..

OP: For the last time I'm not SPECIFICALLY talking about the people in dire debt on the episode. I'm talking in GENERAL.

You sure seem extremely mad about anyone who doesn't wholeheartedly approve of your weed usage bro.

Today I learned the majority of Caleb's fanbase is a bunch of nerds.

OP: Couldn't agree more lol. At the very least: sheltered, naive, bigoted, etc.

OP: The classic "if I don't believe in it, it's wrong and everyone should listen to my opinion and yours is stupid if it isn't mine"

Double double post! The naysayers are sheltered, naive, even bigoted.

How did this guy get into such a state? The answer may (not) surprise you:

Appreciate it man. 28 year old with a college degree and a liscensed CPA in the commonwealth. However, a year boozeless (I call it this out of respect for people that are completely sober, with mmj I don't feel just saying sober) is my greatest and proudest accomplishment in life. booze was always my Achilles heal. No matter how hard I tried to booze like a normal person. It would never work out in the long run. I quit mmj for about a month for health reasons (went off my ssri in that time too) and am honestly struggling to pick back up like I did. There is a fine line between enjoyment and plunging into a physical anxiety attack. Apparently SSRIs dull the effects of thc on the brain. And having been on them for over 7 years it had been a very long time since my brain had been exposed to thc without that buffer of the anxiety med.

He wasn't even feeling the full effects of his "medicine" because of his other medicine, and now trying to go full bore back into weed addiction is fricking him up

Pretty much for the entirety of April, I didn't smoke. Sweats were real bad at first. But subsided. Dreams are insanity. So vivid and weird. Mostly bad. But I'm a dream guy I like dreaming and find myself waking up in awe of what I just experienced sometimes lol.

When I feel down during a t break. I just think back to myself a year ago withdrawing from booze. In bed dripping sweat. Twitching. Head on fire. Questioning my desire to move forward with life. It makes the t break feel like a walk in the park.

Cheers to you and your sobriety journey. It's a journey, that in my opinion, only people with addiction issues can fully understand.

Why yes, I am from PA but say cheers

Also

Health wise. Ok. Got horrific cholesterol marks in October 23. Have lost 25 pounds since and nearly cut it in half. Proud of that too.

Got an ekg last week that came back abnormal. Have an echo cardiogram next week to explore more. Extremely nervous.

My biggest issue is forgiving myself for the potential damage I did to my body with my heavy drinking and occasional drug use (never addicted to drugs , I was a bender guy then not do it again for a few months) I guess you could call that a sort of a addiction.

/u/Honest_Grapefruit259 lay off the mary jane neighbor, you're killing yourself

Aubrey, 27, Johnson City TN (currently in Avon, Colorado)

Personal Life/Education:

• Degree in Business Administration

• Hates office jobs

• Was working as a "scheduling coordinator" making $16 an hour

  • Tries to explain how she got fired timestamp

    • "He wanted to talk to my manager and needless to say, I got fired"

• Relationships timestamp

  • Single but "dating around"

  • Has been engaged but "[she] just wasn't happy so [she] ended it"

    • "he made good money"

• "When did this all start" timestamp

  • "[Her] parents told [her] 'No' a lot."

    • Segment where they call the father to ask him, father dunks on her and she copes

• boyfriend told her to get a cc for gas/food timestamp

  • Then she got a discover card afterwards with a $1000 limit :marseyxd

  • started spending money to feel better?

• "If you're expecting some dude to swoop in and bail you out, that's not gonna to happen" timestamp

• Wants to "travel the world" timestamp

  • Thinking about moving to California this time

• "Tired of living paycheck to paycheck" timestamp

• Admits that she has a fake tan

• mention of she has 1400 insta followers

Career:

• "Worked my my dad for like the past 5 years" timestamp

  • He has a hardwood flooring business

  • Inventory/jobsite management/whatever he wants her to do

  • $19 an hour

• Moved to Colorado to work in a Resort Town

  • Was a lift operator, transitioning into golf course when she returns? Seasonal work?

  • Does not know what she's going to do when it's snowing if she's working at golf course?

  • Employee housing, living cheaply?

    • $600 includes internet, electric, etc

  • Attempt to explain what she will do in off-season timestamp

    • Now she's going home "for like a month and then I might come back"

    • Basically a month vacation

• "Are you lazy?" timestamp

  • She says she's a hard worker (she's not working)

• 590 credit score

• Career Goals timestamp

  • Wants to have her own "mobile bar"

  • She has no bartending experience

• Discussion of her career future timestamp

Financials:

• Self-rated 4/10

  • She's seen 4 episodes

  • She took that financial score test before coming on and got a 1

• Credit Card 1 ($2399) timestamp:

  • Minimum payment $200

  • Missed payment

  • $2200 credit limit

  • 30%

    • She's shocked it's a 30% interest card timestamp

    • She never looked at the interest

  • "It'll be there though, it'll be there that's all I'm saying"

    • she tries to explain why she won't be working next month to try paying this off

  • But my fly-points timestamp

• Credit Card 2 ($3135) (Best Buy) timestamp

  • $199 minimum payment

  • $40 missed payment fee

  • $48 interest accrued

  • Claims she's living paycheck to paycheck (she doesn't make a paycheck)

  • opened this when she was getting a laptop, got a 4k credit line

  • Bought an apple watch, a TV

    • Apple Watch was a christmas gift for her ex-boyfriend?

• Credit Card 3 ($3970) () timestamp

  • Over the limit on this one too

  • Limit is 3'900

  • $298 minimum payment

  • Late fees

  • $96 interest accrued

• Credit Card 4 timestamp

  • Card she got for discount tires

  • Hasn't paid on it

  • Might have been sold off to collections

  • "I get calls all the time and I just ignore them" timestamp

• Credit Card 5 ($8573) (Discover) timestamp

  • "Every month they'll give you like a 5% back on Target or Amazon"

  • $643 minimum payment

  • $130 interest charged

• Credit Card 6 ($1325) timestamp

  • $21 in late fees

  • Interest free until paid off?

  • $51 minimum payment

• Credit Card 7 ($348) timestamp

  • $10 minimum payment

  • 350 credit limit

  • "On the app it closed it so I can't even make a payment on there so I have to call them to do that"

• Car (Eastern Credit Union) ($13350) timestamp

  • 3% interest on this

  • $325 minimum

  • 2018 Mazda CX-5

• Checking Account timestamp

  • $70 in here,

  • Lots and lots of online shopping, fair bit of eating out too

  • A few trips to liquor stores

  • Has a vaping habit

Spending pie chart timestamp

Hypothetical Budget timestamp

• $1812 in minimum payments