https://old.reddit.com/r/Funnymemes/comments/zxhe4d/mind_blowing_how_accurate_this_is/

This isn't that interesting but you can go recruit if you want.

(just don't want my hole deleted over the holidays frick you)

This is honestly insane lmao. Her wackadoodle husband missed a point blank shot on a dog sheltering in their porch. Woman blames everyone but herself.

Schooling:

• Undergrad: 30k debt left (half paid for)

• Grad School: Has been taking a 15k 5k loan per semester to live the life of Riley

• 60'000 total

Car Loan:

• 4 year loan and he thought it was 3

• 11% rate (?)

• 2011 Hyundai crossover thing

Credit Cards:

• Prospective income after graduation: $30/hour

• Missed a payment at some point and ate 80 in late fees

• 23% interest on a maxed out card. : He's making minimum payments on (he is still purchasing things on this card when possible)

• A couple of other cards too that aren't as bad

General:

• Started the month at $1316 in the checking, down to around 200

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

Can’t go to college without a car; can’t work more than three days a week without a car; can’t find true love without a car; can’t get along with his parents without a car; can spend all his money on weed without a car!!!

He sounded so compelling. shame

Dummie should be spending that time making money

OP's house is also incredible stinky! Instead of finding a solution, they just leave out a bowl of....vinegar to mask the smell?

https://old.reddit.com/r/CleaningTips/comments/zdq8a7/any_tips_to_keep_cooking_odors_at_bay_or_quickly/iz2ro1s/

But why does it stink so much? Oh, of course this peak poor is a pitbull owner, how cute!

https://old.reddit.com/r/pitbulls/comments/ymrkq4/i_love_the_relationship_my_daughter_and_our_dog/

https://old.reddit.com/r/CleaningTips/comments/xci6bg/dog_smell_in_house/

Or not cute, based on her 20 posts to /r/reactivedogs:

https://old.reddit.com/r/reactivedogs/comments/zco14r/my_dog_resource_guarded_a_bone_for_the_first_time/

Why not throw antidepressants into the mix, regular poster to /r/bupropion:

https://old.reddit.com/r/bupropion/comments/xutipy/is_anyone_else_on_wellbutrin_and_also_topamax/

Oh of course, also a shopping "addict":

https://old.reddit.com/r/shoppingaddiction/comments/x7g8py/trying_to_be_content_with_what_i_have/

Didn't go out with her husband for 2 years because of covid, I guess this can be counted as responsible:

https://old.reddit.com/r/OUTFITS/comments/vj3jb2/first_date_night_with_husband_since_covid/

>I got asked the same on the crash from $1100 to $200. Who’s laughing now…

i love delusional redditors lol

His wife is also

He then gets banned from his personal Paypal (probably due to overdrawing 6k dollars on his business account)

Timestamps from the description:

00:00 Job and income

01:25 She's a financial idiot (info- she spends money because muh mentals to make herself feel good)

03:10 Maxed out credit card (info- going out to eat, candles, essential oils, vaping, streaming services)

04:48 $3 to her name (info- Mother gave a grand free, owes boyfriend a grand over the past few months)

09:35 You need to WORK

13:30 What are you doing?!?!?

17:18 Clean up this MESS

23:54 Hammer Financial Score

Please subscribe to my hole. it's free and it will bring me endless happiness.

Nothing is more peak poor than black Friday shopping.

And you should check it out.

I still can't figure out how to put more than one picture in a post and no one will help me so check the comments for a few more. They're neverending

We've currently stagnated as only the third biggest hole by subscribers. I'm only one man and I can only janitor so hard.

Please volunteer to help moderate this space and encourage more poor hating. Thank you for your consideration.

Timestamps from the description

00:00 Job and income

01:17 I just found out I'm going to have a kid in 1 month!!!!

11:25 No savings

11:47 You spend ALL your money!!

14:03 Clean up this MESS!

17:38 You need to be better with money NOW!

24:06 Hammer Financial Score

A Group Of Wealthy Black People Discussing How They Felt It Was Bad That Low-Income Black People From The South Began Migrating To Los Angeles In The Late 1960s. pic.twitter.com/9G8NnApAmD

— Northstar.TV🖤 (@Northstartv1) November 21, 2022

>I like the idea of charging homeless people for existing outside of homes, only because they all look at each other with a serious face and think this is an actual solution.

>Oklahoma is a gold mine for this comedy.

Sobstory from an ITcuck, there's probably a heart-wrenching story about him being a single father but this one's kinda pathetic not only because he's somehow 100k in the hole but he's probably making ~80k in a relatively low-cost area and likely to bump up a bit with that Master's.

Yazan Alswaeer, 38, of New Castle, Pennsylvania

Total debt: $118,000

Occupation: IT system administrator

Education: Pittsburgh Technical College; Capella University

Prior monthly payment: n/a

Alswaeer expects to receive his master’s degree in information technology in December, some nine years after the Jordanian native arrived in the United States. The proposed $20,000 relief would’ve been a drop in the single father’s debt bucket, but now he’s desperately emailing the White House for help. “I have no plan,” Alswaeer told The Post. “My plan is I am not going to make payments.” Biden’s campaign promise to forgive tuition-related federal student debt was the “only reason” Alswaeer voted for the Democrat.

“With the school debt that I have, there’s no way I will ever think about buying a house or settling down,” he said. “It hurts seeing many Americans suffering financially while a great country such as ours has the resources it needs to make every American live a decent life.”

Special Ed teacher who at nearly 40 somehow still has fifty-six thousand remaining to pay off

Heather Helton, 39, of Warsaw, Indiana

Total debt: $56,000

Occupation: Special education teacher

Education: Grace College; Indiana Wesleyan University

Prior monthly payment: $137

Helton said her debt servicer, the Missouri Higher Education Loan Authority, is expecting a $349 payment in December rather than January – a month earlier than other borrowers. Known as MOHELA, the quasi-government agency became the sole provider for debtors pursuing Public Service Loan Forgiveness nationwide this past summer.

Helton, who has had five different loan providers since graduating in 2006, said she feels duped having to deal with yet another loan company. Helton added that she “absolutely” plans to stop paying down her sizable balance — along with a 6% interest rate.

“This was a federal con artist operation,” she told The Post. “They knew exactly what they were doing and it caused a lot of false hopes.”

Helton previously intended to fully repay her loans, but she’s now mulling alternatives like lobbying local politicians or “blasting social media” for help. “Something needs to give,” she said.

31 year old NEET King who is refusing to pay.

Nicholas Linkey, 31, of Providence, Utah

Total debt: $25,000

Occupation: Unemployed

Education: Utah State University; University of the People

Prior monthly payment: $300

Linkey said he’s “had enough” of the whirlwind debt rigmarole and says Biden could easily cancel the total debt using executive action granted in the Higher Education Act of 1965, but “never really intended” to do so, he said. Linkey also wants to see loans fully dischargeable in all bankruptcy cases rather than in cases where borrowers can prove their payments cause undue hardship.

“Absolutely not,” Linkey said when asked if he’ll buck up and pay. “I’m not gonna feed this monster anymore. I’m done. This loan thing is done.”

Linkey predicts many other borrowers will go on a “mass strike” like himself while sending Washington a clear message.

“People have had enough,” he said, speculating that Biden will be forced to extend the payment moratorium. “We’re done paying into it and done with the burdens of these loans.”

This one's a Business Analyst, allegedly. No idea what she means with her borrower defense discharge but it sounds like a renthog cope the same way the "eviction process" does.

Christina Winton, 47, of Glendale, Arizona

Total debt: $29,000

Occupation: Business analyst

Education: Southern Utah University; University of Phoenix

Prior monthly payment: $200

Winton, a business analyst for a state agency, blasted the student loan lending system as unconstitutional and illegal as her borrower defense loan discharge application remains under review by the Department of Education.

Discharge claims help debtors who believe schools misled them or engaged in other illegal practices get some or all of their federal student loan debt expunged. Applicants may stay in forbearance after the Dec. 31 payment pause ends, according to the Department of Education.

I like poopy on my peepee because I’m the peak eat of all the poors