It's yes

Here a vet tech copes that they're legitimately a useless profession

[42B0B678-999B-4DAE-B847-A0946E304B63.png]

“Someone once told me human medicine is more important”

“Specialized repair tech”

Aka mall kiosk phone guy

Here's another vet tech. This one is mad that veterinarians (who go to school nearly as long as actual doctors) make more than them for being cat/dog CNAs

LPNs aka nurses who don't go to college or as I like to say little pretend nurses

24k a year means the VA rates him at like 60% disabled

Go get a job fricko

Ok that's all love ya

Imagine still having Windows XP as your most popular OS in CY + 8

https://en.wikipedia.org/wiki/Economy_of_Armenia

>$8,008 (nominal, 2023 est.)[3]

>$19,489 (PPP, 2023 est.)

This is a 2023 solid gold breitling navitimer and the strap has fricking cotton popping out of it after 3 months. I'm r-slurred

28 years old married to my wife who is 27 years old. We own our home in Arizona. My wife currently works but our baby is due at the end of this month and at that time will stop working.

Income:

I work in sales so my income is variable but my base salary is $102k I've grossed $133k since January and and $167k YOY. My wife works 20 hours/week and makes about $20/hour.

Bills/month:

Mortgage: 2964.59

Pool guy: 115

Bug guy: 40

Internet: 55

Electric (summer): 300

Gas: 300

Groceries: 600

Water (summer): 150

Baby things: variable on the month

Dog expenses: variable on the month

Medical: I budget () $100/month but could be more

Cell phone plan and loan: 111

Online subscriptions: 116

Personal fun money for the both of us (eating out, shopping, entertainment, wants): ~$900 each

$401k: 5%

Save: What ever is left over

Some added context. We just bought our house in May 2022 with a 5.125% interest rate. Only other debt is the interest free phone.

The bills above are every month, but it seems like some big expense I'm not accounting for always comes up eating up what ever I had planned to save. Also with my wife going to stop working soon, and if there is a month I don't get commission we're in the hole about $700 which I'll need to pull from savings.

Do I have a need to be concerned based on the numbers above? Or am I freaking out because of the variable nature of my job? Another reason I'm looking for input is I'm looking to see if it makes sense to switch jobs with the hopes for more income?

Any input is appreciated.

OP responses:

You're probably right $900 each is a lot. I eat out way too much and she loves to shop. Definitely something that can be brought in. It's tough knowing my income is in the mid 6 figures and even at $900 per month per person we don't live an exorbitant lifestyle.

I try my best to budget all expenses but for example, we decide to go to Ikea and bought a new stereo for our car last month. That's a couple hundred bucks right there and of course those are both luxuries that I didn't budget for within the $900 fun money per month. Month before that I didn't plan for some computer software or some new tires. we also had a baby shower. Month before that was a hotel for my cousins wedding. That throws off the whole budget. Yes these are mostly "Fun money" things that are more spontaneous.

Just feels like $900 per month for fun doesn't got very far. That's $30 per day. I understand that some people would love to have that much fun money. I personally don't feel like I live in luxury or anything like that.

Also the wife has no friends

You threw your own baby shower?

Yeah lol we of course had help but my wife wanted to do it herself

pic.twitter.com/57ktTLo4F9

— alessandra (@bIiccy) July 15, 2023

Divorces him for working too much

Freaks out her poverty has arrived

Redditors attack

Please clarify

I'm so hungry

Part 1 – link

Part 2 – link

is now sponsored by a company that makes him food, he's moving up in the world. timestamp

Her third time coming back

"Have you tried to improve your life at all? Financially speaking, of course."

"No"

"To be honest, the only thing that I remember that we went over is mostly like-

"You could have watched the video, you could have watched it at any time or you could have asked me"

Career:

• Started a new job at a restaurant, got fired from it yesterday after 4 weeks

  • 14/hr + tips, 8hr shifts

  • "I was late a few times, maybe 5, 10 minutes late twice and I had a little personal breakdown one day and I had an unexcused absence" [there's more to this]

  • timestamp for the firing story

  • "I went in like the alleyway and I clocked in at 5 and then I went to go park my car and that took about 30 minute-"

  • "They treated me like I did a crime, they said I'm never allowed in the building, I swear." timestamp

  • "Like I used their iPad to text someone timestamp

• Doing a cleaning service, not getting many hours

  • On call, "hire a maid type thing"

  • 2 hours

• Has a live-in nanny position

  • Means that her rent is nothing

Debts:

• Can't sell the car explanation segment timestamp

• Can't do Uber because her check engine light is on

• Collections

  • $4200

  • $523

  • $421

• Car 13'033

  • Has made her car payments late sometimes?

  • 2014 Kia Sorrento 6 cylinder but not certain which exactly timestamp

  • "My boyfriend just hit something the other day"

  • "He said he hit like an animal"

    • Damage is on the back and on the side

  • 177'000 miles?

Savings:

• Negative in the accounts, again

• Beginning balance of -$5 timestamp

Expenses:

• Paying her bills through her boyfriends? timestamp

  • This is also the start of the expenses section

• Holy shit she's still doordashing and still eating out

• She could have gotten a free bus pass but has chosen not to timestamp

• Was living in Louisiana for 4 months, hated it, then moved back to Austin and was homeless 2 months sleeping in her car

  • Was working at a casino, lived rent free?

Personal Life:

• Boyfriend deets

  • She's landed an incredibly loyal straggot willing to be homeless with her

• Boyfriend is working at home depot

"I didn't know what APR meant" timestamp

Attempt at explaining a plan to her timestamp

I'll add faceshots if they got them

I love the people who still openly share on social media like it's 2010 or something. Someone pay this man's fines

There's a problem with the local bank. Locals unhappy.

No drama but this profile pic posted this

Anti-anti Semitics owned by google search

Comments began discussing religions

Ok that's all for now.

Ps. Any interest in me trying to dox this woman?

Commentary from a the supreme breh

Oklahoma has some odd things with gas stations. We have independent 7/11s (owned by some crazy Christian's so they don't sell condoms lottery etc) which were all shitty, in old buildings of various layouts and states of decay. Sidenote - Due to their independents status and the fact that they're only based in OKC and nowhere else they baked all their shit local each morning so this is my choice for best gas station. up until 2015 or so 7 had 50% market share of the okc streets. The other two gas station giants in the state at the time were Loves and Quiktrip. 7/11s were more the in middle of the city and the quiktrip (qt) and loves are closer to the interstates which dissect okc/Tulsa. Before 2015 (or around there I'm not looking this shit up I'm going from memory for context) loves and QT had an agreement that loves wouldn't go to Tulsa and QT won't come to okc. The two cities are roughly 90 minutes apart and each boasted several of their flagship respective filling stations.

Well 2015 the agreement fell through. Idk if someone died, a contract ended or someone read the art of the deal but the floodgates opened. Loves starts ramming up into Tulsa and QT comes knocking at okc. They both start throwing up huge gas stations on every corner. Brand new for the first 5 years or so and then they started buying up older independents and refurbing.

Well these new behemoths were sterile. No more fried food baking under hot lights you asked the middle eastern for. No more clerks outside smoking cigs between customers. These new gas stations were 24h, staffed by ample people's, had security in the rougher areas, well lit, bathrooms normally clean, normally 24+ pumps etc

Even 7/11 had to step up It's game and they've been steadily building new 7/11s while quietly shutting down/demolishing/remodeling the worst of the old ones.

Somehow this has made our gas stations across okc and Tulsa very nice. I actually just miss the fried food windows but maybe it's cause they aren't around as much idk

Anyways a new player entered the game about 2 years ago. Established in other states but unheard of in our hallowed state (at least the only two cities that are worth talking about okc and Tulsa) decided to throw its hat in the ring.

Well one brave soul takes a stand to Facebook

June 23rd.

Christyna let's our boy know that she thinks the post is dumb

Paul let's her know, “TRUMP!”

Also here's some pics of her so you sick freaks dont zoom

To be fair to Paul public sentiment is torn

Anyways Paul seemingly forgets about Casey's until joe Brandon raised the gas prices last week.

Inflation, Brandon, the lack of fried gas station food and sky high fuel prices made Paul set his sights back on Casey's.

People mostly turn on Paul

Paul doesn't relent.

Anyways some people like it.

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

21k a year? What are you, assistant blower behind the Wendy's??

Nothing tops off a trip to the big orange box store like an HD glizzy.

Landlord doesn't own shit but a piece of paper saying they have some level of authority for what's on top of the land there.

The value of this asset goes up over time

why do you think? it's just a magical always-increasing asset like some kind of perpetual motion machine?

Yeah it's brainless it's just gambling with more steps. One recession and you're fricked. Property values don't always go up. You're gambling on that shit won't hit the fan during your term, and you won't have to liquidate because people can't pay rent anymore and you don't have enough in reserve to ride it out. Puts nothing into the community, instead of creating something and being rewarded from that profit it's just charge others who can't afford to buy a house and skim the margin from that. Absolutely braindead lazy.

But that's not enough to back what I said. The only ones winning are the banks. Shit hits the fan and you can't pay the house off? lmfao, you might get back what's left on the loan and you lose what you have paid thus far, and you lose the house. Bank made the interest from loaning to you, and the house that you paid with that loan, they get that too.

Not only is it a braindead non contributing "profession" but it's also a good way to gamble against the next 30 years of the economy.

@89wc if a landlord "doesn't own shit" then why don't you see what happens if you stop paying your rent?