So this is a complete compilation of all of LPG's posts on the /o/ board. He was a used car salesman and had countless examples of the most mind boggling financial self destruction. Tale after tale of poors deciding that yes, 29% apr on a car loan is perfectly fine if it means not having to be seen in a hyundai anymore.

This collection of stories is the perfect distillation of peakpoors, and I hope you all enjoy

Exposure to poor people reduces support for redistribution among the rich. https://t.co/axsjAmLMuL pic.twitter.com/4Y37ck7gSf

— Rolf Degen (@DegenRolf) April 19, 2024

The IRS played in everybody’s face this year. You either owed or got a small amount back. Either way, most of us were all cheated.

— BLH (@_RareDefined) April 15, 2024

Avery, 26, Austin, TX

Career:

• 44k at some car company "building cars"

  • paid hourly, thinks it's fairly stable 40 hours a week - 10 hours a day 4 days a week, sometimes 11 or 12

Personal Life:

• Wasn't her first choice to move to Austin, she moved here because her friend already works at the car company

• 800ish rent

• Most of this section got lumped into financials

Financials:

• Checking Account

  • Overdrafts

• "I live above my means"

• Credit Card 1 ($369) timestamp

  • Paid $45 on it

  • Made $116 in purchases

  • $10 in interest added

  • She tries to explain why she hasn't paid if off - she divides her payments between her paychecks???

    • Mentions at least 5 other credit cards

• Credit Card 2 ($450) timestamp

  • Disney Rewards Card

  • Minimum payment $40

  • because she used to go to Disney but hasn't for a very long time

  • Sally Beauty $50 purchase "on a whim"

  • Also some eating out

• Credit Card 3 (2051) timestamp

  • $73 minimum payment

  • $53 interest charged

  • $30 in new purchases

    • "I needed an outfit for a concert"

    • Actually she went to Taco Bell and a Boba Tea place

  • "I'm still making my payments, that's all that matters"

  • Mentions that she will be going to see a couple more concerts. 21 Pilots and a band whose name I can't make out

  • Claims the food purchases are justified

  • Some weird explanation about how she couldn't use her card to get a protein bar and water so she went to get taco bell instead? (I assume she means the vendor didn't have a card reader?)

• Credit Card 4 ($492) (Walmart) timestamp

  • 28 minimum monthly payment

  • No new purchases on this one?

  • She usually uses it but didn't this time?

• Credit Card 5 ($5'004) (Discover) timestamp

  • She bought a computer on there?

  • Minimum payment $125

  • Interest $104

  • She doesn't really understand how interest works and has been trying to pay slightly more than minimum on all her debts? timestamp

• Credit Card 6 ($136) (Hot Topic) timestamp

  • There's a $3 fee on it? "What do you mean fee"

  • $30 minimum monthly payment

• Student Loans timestamp

  • Something about her mother taking out student loans too on her behalf and she's paying for those as well? I didn't really understand this one

    • her mom's loan is on deferment but she's still paying it while on deferment (she really doesn't understand how interest rates work)

    • Later clarified that her mother used her brother's credit to take these loans out? He knew and approved it

  • Some talk about family situation, nothing super interesting she mentions that she likes to give expensive gifts, sees that as a need not a want

  • Didn't catch how much she's paying off for the mother but she herself has $5'162

    • Was paying it off while in school - went to school for theater, got degree

  • Going to go back to school for "advanced manufacturing" - her job is covering it? Community college (ACC)

• Caleb stimming timestamp

• "So what do you do when you are low on money on your checking account but only have your credit card to survive?" timestamp

• Car (Toyota Camry) (31'972 balance) timestamp

  • $650 monthly payment

  • Storytime - weird ex-boyfriend story

  • Purchased March 2023

  • 6 year agreement

  • She thinks a 9% interest

  • Scratched on the side, damage to the windshield

    • Heat damage on the windshield? Apparently you want to roll windows down when it's very hot?

  • valued at maybe 21'000

• Income 3617 timestamp

  • "I've never really checked my finances to be honest with you"

• Checking Account timestamp

  • Highlights a nintendo charge, some eating out, google play, playstation network

  • 5 overdraft charges in a row

  • She Klarna'd some tickets and a $100 Back to The Future Lego set

• Other people borrow money from her??? timestamp

  • Her mother borrows money from her sometimes about $100? Not every month? Just rarely???

  • She overdrafts

  • "That's only once"

    • "No"

• Funny drama confrontation about her future in society timestamp

• Confrontation over phone finances timestamp

Finances Pie Chart timestamp

The unemployment ran out. Sold stuff. Feels like I'm set back about five years.

I hate the new job btw, they want me to work like a W2 employee but classify me as a contractor (I put in 65 hours last week, only paid for 40). Obv no healthcare.

Still in tech, and I didn't save as much as I should have but I've only ever made decent money for a little over two years in my entire adult life. Prior to that I think I maybe cleared 50k. When I hit six figures I finally traveled and enjoyed things.

Looks like that was the peak of my existence and now I feel like an old frick. If I didn't have supportive people in my life I wouldn't still be in it.

There's no point to this post other than I finally felt like I was living the life I imagined I would have back when I was an early 20s grindset jockey, and for what? Two years of a good life?

I threw away a lot of youth and not peepeeing around or enjoying my 20s because I thought that's what I needed to do to make my 30s easy. It didn't matter.

Maybe some of you have it figured out. I for fricking sure don't.

You learned the a hard important rule of having money. Make sure you pay the house (your savings). Saving 20k on 200k salary is hilariously terrible.

You're not wrong, I think I was increasingly challenging myself on how much shit I could buy. The work was stressful and I thought I had hit the lottery.

Definitely didn't realize how good I had it until it was gone.

Just a shoplifters get arrested comp. I love how sassy that first cop is lol

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https://old.reddit.com/r/Miami/comments/1c23u48/im_thinking_of_renting_one_of_these_somipods_for/?sort=controversial

https://old.reddit.com/r/Seattle/comments/1c1yiko/how_popular_are_japanese_style_capsules_for_long/?sort=controversial

These appear to be dropshipped from AliExpress https://www.aliexpress.us/item/3256806542021187.html

Nathan, 26, Austin TX

Personal:

• Wearing a $600 watch timestamp

  • Claims he got it on sale 20% off

• "It was a Christmas gift for myself"

• "It's a nice watch, I wanna get another one I just don't have the funds to do so right now. But as soon as I do I'm gonna get one" timestamp

• "Did you graduate high school?" timestamp

  • "Yeah, it was hard though" "Numbers and stuff, the start to look funny after a while"

• "You bought yourself a watch and you said you'd do it again" timestamp

  • "Well I bought myself some - uh nevermind"

Career:

• "I sell cars" "Gross" timestamp

• "My customers love me"

• "I don't just care about my commission checks, I care about people"

• New car place for 2 months

  • first month between two and three thousand

  • Attempt to figure out just how much he makes timestamp

    • "They take it back when I get my commission check"

    • "It's hard to say just what I make... I don't pay attention to it"

  • Was making 7 or 8 thousand dollars a month at his old car place

    • Thinks he will need 4 months to ramp back up to this

    • Had gotten a promotion at his old place but didn't like it as much as he thought it would be

• "Well there's also the 1099 income from the manufacturer.... I didn't report that so I guess it could be something extra" timestamp

  • "I didn't have the money to pay the taxes on it, I spent it all"

• Not setting money aside for taxes?

• Checks his March income later timestamp

  • 9'000 before taxes and minimum wage removal, around 6'000 after all that is taken out

Finances:

• He has two phones because he wanted two phone numbers

• "[The debt]'s not 'new new' it's been there, it just got worse" timestam

• Credit Card 1 (Revy) (302,32) timestamp

  • 205 amount past due, "I had to pay my rent so I couldn't pay the card"

  • 4 months of missed payments, what a king. Frick that card.

• Credit Card 2 (CreditOne) ($500/$500) timestamp

  • Got this one after the repo - only card that would "help him out"

  • He thinks this one is closed but not sent to collections yet

• Credit Card 3 (Also CreditOne) [timestamp](https://youtube.com/watch?v=EdQqpTHnzlQ%26t%3D12860

• Card 3 (738)

  • $125 past due - 2 payments

• Credit Card 3 (Also CreditOne) (1500/1200) timestamp

  • $268 past due (3 payments)

• Credit Card 4 timestamp

  • He paid this off "It's on automatic payments"

  • "I didn't catch it in time, if I'd a caught then that one would not be on autopay"

• Credit Card 5 timestamp

  • $1 of credit free

• Rent $2250 a month

  • Rents a townhouse timestamp

  • Two bed, two bath, attached two car

  • Signed lease last year, just resigned in February

• Car got repoed "that was in the past" timestamp

  • 4 years ago "That wasn't my fault though, that was somebody else that did that"

• "My plan is to make more money"

• CashApp Payments timestamp

• Car (14'000) [timestamp](https://youtube.com/watch?v=EdQqpTHnzlQ%26t%3D1557

  • Paid the car bill late, ate a $20 late fee

  • Caleb seethes over a 2015 Chrysler 200 for some reason

  • "It was a steal"

    • dealership advertised a price but then charged him a higher price

    • Got it in 2020

  • 24% interest rate, got this car soon after his other was repoed

  • Doesn't drive this around?

    • Doesn't drive it around because he got a new car, he's trying to sell and find someone gullible to take over the payments timestamp

      • "So you're going to prey on people"

        • "Nah I'm helpin help them out, it's like a quid pro quo"

  • Has hail damage. There's some weird insurance thing timestamp

  • Owes 14'000 on this $8'000 car timestamp

    • "So that's not super terrible"

• Car 2 (28'700) timestamp

  • Mercedes, this is the one he drives around

  • $650 minimum payment

  • 18% interest rate

  • "It's in really good condition"

• Car 3 (13'700) timestamp

  • This was the one that got repoed

  • Nissan

  • Was in a relationship for 3-4 years, he bought a car for her mother, the mother made payments on it for 6 months but when the relationship ended and she stopped paying on it

• Energy Bill from 2023 that he didn't pay

  • From his old place probably, he didn't know about it

  • $600 bill

  • "You paid for your credit report and you never went through it once?!" timestamp

    • "No"

• Personal Loan

  • Mentioned and then forgotten about?

• Checking Account (-$50) timestmap

  • Lots of eating out lmao

  • He's subbed to near a dozen streaming services

    • "I be watchin shows"

• Credit Score 567 timestamp

  • "It was worse but I've put in work"

Finances Pie Chart timestamp

Attempts to form a budgeting plan timestamp

OP rudely deleted her thread, but it shows up in pullpush here: https://undelete.pullpush.io/r/MoneyDiariesACTIVE/comments/1c0tynd/in_the_red_on_150k_a_year_help_me_get_my_head_out/

Her "partner" (male) quit their job in November so now they're trying to survive on $150k a year (and failing). OP is too long to post but interesting line items:

rent 2,500

storage unit 108

Renting a two bedroom and still needing a storage unit

cellphones 148 2 lines. Will go down to 100 when phones are paid off in a few months. I don't have a line for my Apple Watch or iPad so there's that at least lol

Financing cell phones and still getting completely screwed on the phone lines.

daycare 1,980 This is very cheap for the area! Stopping this to have partner watch baby is an option, but we'd lose our slot and have to scramble when he finds a job

The daycare grift strikes again

car 400 Car is paid off but somehow still expensive. Gas, tolls (family out of state), parking, registration, etc. I drive to the office

donations 783 Not a religious thing. Just us trying to do some good. Open to questions/suggestions

travel 500

gifts 250

If my math is right that puts me at -$1631 a month.

To be fair, I'm guessing the travel and gifts are some kind of "we're planning on spending this the whole year" and not actually spending that each month. Still, nearly 6 months in and no changes at all.

>Makes 87k a year

>750 mortgage

>500 second mortgage

>40k in credit card debt (11k was a trip to Disney )

>blames daughters 600 a month gymnastics as what's making him so broke

This guy is proof that not everyone is cut out to be a landlord and why it's one of the hardest jobs out there

Call Child protective services pic.twitter.com/t0abLhgBFi

— Clown World ™ 🤡 (@ClownWorld_) April 9, 2024

Waffles, syrup with tons of sugar, eggs, more sugar, cheese, more sugar, ketchup. Only Everclear is missing for kids to have a fantastic day with that meal.

Slackernews drama: https://news.ycombinator.com/item?id=39969633

Zoe 32, San Antonio TX

Reddit thread - https://old.reddit.com/r/CalebHammer/comments/1bwjhrx/published_on_youtube_trailer_trash_woman_stealing/?sort=controversial

Career:

• "Fulfillment Operations" at Amazon

  • $20.75, 33-36 hours a week

  • Works overnights 12 night shifts? Only gets so many on shift rotations?

Life:

• Single parent, 5 kids

• Finished Associates Degree in Psych recently?

  • Doesn't think she wants to pursue it any more

• Thinking she would got for a "realtor degree" (license?)

• Was married to someone in military who wanted her to be a stay-at-home mother?

  • Already had a the first kid with another father before marrying this guy?

  • He is still in military?

  • Divorced 7 years ago or married 7 years ago and divorced more recently? I'm not certain on the timeline, finalized in 2019?

  • Gets 1'000 a month in child support

  • He is the father of her two eldest children? Might be two second-eldest? What? I'm so confused.

• Another son gets $370 a month sporadically

• Does not get support for the other two children

  • Father of her youngest has repeatedly evaded the authorities "he's a chameleon"

  • No mention of the second youngest?

• Ages

  • Daughter - 1 and a half

  • Son - 3

  • Daughter - 8

    • Divorce was 7 years ago

  • Daughter - 12

  • Daughter - 14

• Lives with her mother, disabled and on a walker so she can't help out much

  • Mother works for a few days at a family members towing company for cash?

  • Mother has had a bunch of surgeries? Recovering from a hernia in the chest? She doesn't want to watch the grandkids.

• Cat just had 5 kittens

• More deets about the dads timestamp

Finances:

• "Borrowing to pay off your last borrowing to pay off your last borrowing that you borrowed before your last paycheck timestamp

  • Has been doing this for two or three months now?

  • Rent went up, CoL went up?

• Checking Account starts timestamp

  • started with negative $23 in the account ended with positive $500 timestamp

  • Payday loan $1000 timestam

    • ahead of her tax return?

  • Payday loan 2 (900 initial 1500 in needful payments) timestamp

    • 159%

    • Doesn't remember which one this is

    • "I saw the APR afterwards and was like holy shit"

    • Got it online?

  • Might be more, I got distracted here

  • Car 2023 Mitsubishi Outlander timestamp

    • Owes $34'900, worth 22'000

    • $819 minimum, missed the last payment

    • No car insurance "can't afford [it]"

    • 16% APR

    • Fell for a free 2'500 down offer and believed the salesfilth when it said she would pay more for a used car

  • Collections lmao timestamp

  • Card 1 $479 timestamp

    • "I got those cards with the intention of not paying them back and now I'm being forced to pay them back"

  • Some of my friends help me out timestamp

    • "Because I work more they took my foodstamps away"

    • Trading cash for foodstamps. $100 becomes $180 in stamps. "Is that legal?" "No."

  • Surprise student loans segment at the end timestamp

Caleb seethes over McDonald's coffee - timestamp

Kino awkward dating prospects - timestamp