A little disappointing, I was really hoping this guy would pull out of his nosedive. First interview

Timestamps from description:

00:00 It's worse than ever

03:00 Owing the IRS $15,000!!!!

03:44 Taking out even MORE payday loans!!!

05:34 Having a breakdown

08:20 Major addiction issues

16:06 Please get help

17:26 24% interest car debt........

19:30 NEGATIVE money in his checking account!!!

25:20 DOUBLING rent!!

28:10 MAXED OUT CREDIT CARD

31:48 I will pay off your collections! Just do this...

42:28 STOP DOING THIS

44:59 Hammer Financial Score

Ivana Trump’s UES townhouse is on the market and I need you all to look at the pictures pic.twitter.com/NbvjrH2bPm

— Rebecca Saltzman 👻 (@beccasaltz) November 15, 2022

Books are for nerds:

Nothing says library like leopard print and half empty bookshelves!

Using fancy words like pallette doesn't mean you can afford anything in there:

Disgusting color pallette, it is so overloaded with details and extremely vibrant red color that almost makes you feel you're watching the setting of a 70's low budget Giallo movie. There's so many mansions with beautiful deco art and yet she choose... That.

Thank you poor, very perceptive:

Wait, people are actually hating on this? I just see a big expensive house and think “man, wish I could have that”. Maybe I’m too poor or something idk lol

they're not hating on the physical space, which we'd all love to have. they're hating on the Decor, which is tasteless faux-gold tripe picked out of catalogues by people too rich to have any design sense

Are these some kinda broke people references that I don't understand:

This is somehow like if olive garden met a rainforest cafe

Or a Cheesecake Factory on the "Most Dangerous Game" island

Imagine the burden of wealth but also having to deal with racism:

Tell me you're a rich slav without telling me

My mother loved a good scam, especially where food was concerned. I grew up very rural and solidly working class. We never went hungry, but unless it was a special occasion, we didn't really eat anything that you couldn't buy at Walmart or that my dad couldn't grow in the garden or shoot during hunting season. He still works construction and my mom worked in a high school cafeteria, so with two kids, there wasn't a lot of time for elaborate meals anyway. My mom's kitchen job did, however, afford her ample opportunities to beef up our pantry when her boss wasn't looking. It took me a few years to start wondering how all those unopened bags of chicken fingers and pristine fruit snacks qualified as "leftovers."

She was the type to hide extra egg rolls in her purse when we went to the Chinese buffet and is the reason I always ask for a take-home box. One of her --- our --- most successful hustles revolved around pizza, and not the hated boxes of cold Papa John's she started bringing home once she switched to a fancier high school with a larger operating budget. Instead of taking on one clueless boss, this scheme saw her (and her mom) go after an entire national chain.

For those who are unfamiliar, Pizza Hut's BOOK IT! initiative is a school-age children's reading program that has been rewarding bookworms with free pizza since 1984. While the program still very much exists, BOOK IT! arguably reached its peak cultural influence during the early 1990s, when I was in elementary school. The premise for it was beautifully simple: Fill out a BOOK IT! slip, get it signed by your teacher, then take it to your local Pizza Hut and exchange it for a free personal pan pizza. The more you read, the more pizza you got to stuff into your prepubescent face. It was a brilliant way to encourage kids aged 5-12 to read, and in my own experience at least, a boon to cash-strapped parents who still wanted to be able to take their rugrats out for a treat now and then.

That the pizzas themselves were perfectly child-sized and came dripping in salty, golden cheese was an even greater stroke of fortune for kids who were used to the sad, floppy disappointment of Chuck E. Cheese (or soggy Papa John's). For those of us who grew up far away from the influence of actual Italian food, this was real pizza. It was hard not to feel special and cosmopolitan when tucking into those perfect little triangles and slurping down endless refills of Coca-Cola, especially when, if you were anything like me, you were more used to white bread, white rice, and deer meat.

BOOK IT! wasn't a monolith; it allowed for flexibility. Outside of the basic rules, each participating teacher set their own requirements. At my school, you needed to write down three books you'd read in order to qualify --- and given the number of students who tried to exploit the system, the teacher had to really believe you'd read them. I was the kind of rapacious little weirdo who regularly devoured upwards of a dozen books a week, so meeting the program goals wasn't exactly a challenge. Bringing up multiple slips every few days became a ritual for me, and an undoubtedly exasperating one for the teachers who had to deal with my smug little face. My mother didn't have to pay to feed me in between errands or after soccer games for years. We had a pretty good thing going, until one year, my teacher placed a limit on the number of slips we could get signed, specifically to halt the spread of my pizza empire.

Once that draconian rule came crashing down upon my head, my mother decided other arrangements had to be made. We needed to call in reinforcements: Nanny.

My grandma ("Nanny") is a retired elementary school teacher, and as I discovered, that meant she not only had access to fat stacks of the coveted BOOK IT! slips, but she also possessed the authority to sign them herself, sans middleman or prying teacher. Prior to the rule change, my voracious reading habits had left us with no need for trickery. However, now that our comfortable little racket was being threatened, it was time to bring in the big guns.

The kind, accommodating servers at Pizza Hut --- who eventually grew to recognize us and greet us by name --- opened my eyes to a world in which food could be a joy instead of a chore.

Once Nanny was fully in on the game, we'd raid her personal stash and cash those babies in nearly every weekend. My mom would keep a few in her purse --- pre-signed with Nanny's prim signature, of course --- in case one of us kids unexpectedly did something treat-worthy, but ultimately, it was Nanny and I who spent countless afternoons going on "lunch dates" to the Pizza Hut a few towns over.

It was more than just a treat; it was an adventure. It was an opportunity to go on a long, air-conditioned car ride (a far cry from my more customary spot in the back of my dad's pickup truck) to a sit-down restaurant where I would be given a choice as to what I was eating. There, drunk on the sheer luxury and novelty of it all, I could pick my own toppings, up to two; more cost extra. That's how I discovered the chicken and black olives combo that, two decades later, remains my go-to whenever I have the option --- as well as the wild joy of pulling one over on The Man.

For a picky kid who was accustomed to being scolded at the dinner table for refusing to eat or teased in the school lunchroom for bringing the same peanut butter (no jelly) sandwich every day, those glistening, cheesy, buttery discs were my first taste of culinary freedom. Before then, I hadn't known that you could ask to have your food made a little differently or to have something extra added. The kind, accommodating servers at Pizza Hut --- who eventually grew to recognize us and greet us by name --- opened my eyes to a world in which food could be a joy instead of a chore.

The fact that we were scamming our way into an endless stream of free pizza added an extra sprinkle of illicit seasoning, like a dash of scalawag's MSG.

We'd make a whole day of it. First stop was the county library to load up on books, since the Bookmobile only came to my village once a week and they rarely restocked the selection. After a few hours in the stacks, we'd seal the deal with a personal pan pizza for me and a salad for her. It was magical. As much as we loved the grift, it also meant that we spent a lot of quality time together and that my reading level was stratospheric for a little girl from an underprivileged nowheresville without a library or a post office. The fact that we were scamming our way into an endless stream of free pizza added an extra sprinkle of illicit seasoning, like a dash of scalawag's MSG.

I aged out of the program at 12, and we kept milking those BOOK IT! slips for years thanks to my baby-faced little sister. But, once she hit the threshold five years later, the jig was up. By then, I was 17, and those itty-bitty little pizzas weren't doing much for me anymore. I'd graduated to making my own pizza bagels or driving over to Philly with my friends for a monster slice from Lorenzo & Sons on South Street. I still mourned. It wasn't so much the loss of our Pizza Hut bounty that stung as the knowledge that I was growing up and those golden hours --- uncomplicated, innocent, and good --- with my grandma weren't coming back. It was the end of an era, and my empire had crumbled into oregano-flecked dust.

Those memories run deep, even as my family and I have drifted further apart in the age of Trump. We don't have many meals together anymore, and when we do, Nanny always un-ironically lobbies for Cracker Barrel. I still love to read, though, and still love pizza. By now, I've spent time in Italy and lived in Brooklyn for nearly a decade, but I still consider those little pucks of slightly burnt mozzarella and tangy sauce the best pizza I've ever had. Nostalgia makes everything taste better.

It does break my heart to think of what the closing of hundreds of the chain's sit-down locations may mean for the next general of resourceful, pizza-loving little bookworms --- and for the overworked parents who found a few moments of buttery, garlicky relief in those cracked leatherette booths. Pizza Hut's company slogan at the time was, "You'll love the stuff we're made of" --- and thanks to BOOK IT!, I really, really did.

Monkeycels in chains

Great for the people who need help, even better for the welfare queens who want to live the peak poor mindset.

Very thankful for the verified tab on Twitter. By using it I can effectively turn off all the poor people

— Zack (@Asmongold) November 11, 2022

Part 1:

"You're saying my worth is $17 an hour? My life is worth that to you?"

"Well the market has determined it to be"

"Your parents should support you. They have so much more money than you! They brought you into this world you're their responsibility until you die"

So I wanna know how I can possibly get out of the "normal" realm and instead surround myself with high-status individuals so I can be in high-status social circles? How do I possibly get my "foot in the door"?

His stats:

• 28 y.o. male

• Live in San Diego

• I'm an accountant by profession - I know high status people like accountants

Any advice for this guy?

For anyone not familiar he interviews poors and occasionally riches who have made terrible financial decisions or are contemplating terrible financial decisions, occasionally kings like this guy who are moving up in the world, and this probable webdev who is going absolutely nowhere.

Part 1:

Part 2:

Automod caught the post before he deleted it:

Back in early summer, I needed a new car. My Nissan Sentra was on its last leg. The transmission was failing. I owed about 7k on the loan.

I ended up rolling the negative equity into a 2022 Rio S. Kia was about the only dealership that could work with my credit (612).

Except I now need a bigger car. I have two kids and it’s just too small.

My current balance is 37k and I pay 691 per month.

I paid a 2k market adjustment, 3.6k warranty, 1.2k security etch and carpet protector.

Any suggestions on how I can get into a bigger car and not commit financial suicide?

So we have:

Car dies while still owing on it ✔

Rolls absurd amount of negative equity ✔

Completely incapable of seeing a future where his two kids will need to be in the car ✔

$37k loan on a car that MSRPs at $16k ✔

Buys a $4,000 warranty on a new car ✔

But don't worry

I found a 2009 Bmw x5 4.8 with 128k miles. It’s a lot less than my current loan. I am looking at it today.

Pretty solid idea, no? But how will he roll $10k+ of negative equity into a used car? The dealership has this covered.

The dealer said I can get a pay day loan to bring down the negative equity. I haven’t committed yet. I just read the 4.8 is one of the more reliable engines. I keep reading the Kia engine problems and it scares me because I need a reliable vehicle. Plus if I get this bmw I can qualify for Uber black.

Something not adding up, idiot? Here's the full breakdown of the genius plan

Just so you don’t come back assuming (butt out of u and me).

21k for the rio (kbb estimate)

3.6k warranty refund

24.6k total back

-12.4k neg equity

3k cash advance

5k 401k loan

4.4k in negative equity which is even less than what I rolled into the Kia.

He goes back and forth with multiple posters. But it ends with a happy story:

They are doing me a solid. I’m only rolling 7k neg equity. Cash advance will be paid off in 6 months. My monthly payment is $200 less (including the cash advance).

Thank you for yours and everyone’s advice (not) but this is what is right for me and my family.

I think I now qualify for Uber black since it’s a luxury car. So I’ll be making more money and have a lower car payment.

Hey sisters can you help me with this? I have a credit card balance at 20% apr and cash in my bank account but if I pay off my credit card then theres no more cash!! I'm really struggling with this and how complicated it is

The Franco-Normans

The former ruling caste and half the reason for that huge empire. Once robber-barons and sword weilding maniacs. Now prone to inbreeding and performing arts. Occasional flourishes of the brilliance of old do shine through (step forward Mr. Cavill) but they are a tiny minority of characterful people in a sea of blandness.

The Anglo-Saxons

Comprising more than 50% of the population they are the reason that Britain is so utterly mediocre. William Blake, David Bowie, Kate Bush- they all came from this class but somehow rose above it. They are the exception, not the rule and share this with all of those inventors and writers who comprised the otger half of Bong's imperial glory. All other Anglo-Saxons contribute nothing to the world but misery. Anglo-Saxons are not necessarily ethnically germanic- many immigrants and (((other groups))) have become part of the beige sea of suburban angst also. Notable characteristics are that they spend as much time as possible drunk.

Celts

Chippy, miserable and utterly defined by their resentment of the Anglo-Saxons. They are also mostly drunks but have absolutely no definining features beyond managing to somehow have worse food than the English.

Bri'ish Kangz

Actually once had their own culture but gave it up in favor of some shit they saw in a rap video. Literally anything African Americans do, they will copy- buying all the bottled water, wearing shit shoes that wear out in 6 months, calling the police "the feds": if Oprah Winfrey smeared herself in elephant c*nt juice and leaped into the path of a stampeding bull elephant, they would be queuing up to West Midlands Safari park for miles.

Pakis

Literally the worst people in Bongistan. Libertarians, terrorists and underachieving criminals who have settled in the shittiest cities of the Norf and somehow made them worse. Bong pakis comprised a massive number of ISIS recruits and should be treat with the exact amount of contempt they deserve.

Sexy Indian dudes

The new Franco-Normans. Bow down to your overlords.

They think they’re a few days late but they’re actually over a year late to the bandwagon. Have fun locking yourself in to dropping rates

https://old.reddit.com/r/unitedkingdom/comments/ydqk9m/how_the_uk_became_one_of_the_poorest_countries_in/

https://old.reddit.com/r/ukpolitics/comments/ydtt3u/how_the_uk_became_one_of_the_poorest_countries_in/

https://old.reddit.com/r/Foodforthought/comments/ydv63l/how_the_uk_became_one_of_the_poorest_countries_in/

https://x.com/fascinatorfun/status/1585178135393443840#m

https://x.com/peterjukes/status/1585029278386642946#m

https://x.com/antoguerrera/status/1585040714047496192#m

The word Poors is banned on /r/neoliberal by the way

Thanks for everything yall do <3 I basically do it alone but thanks for reading and sometimes upmarseying.

Edit - Have a look around. Look at our banners and sidebar. Upmarsey some posts. Throw a few marseys. it's a celebration of poverty! And what a wonderful candidate for your free awards you've been given from the shop! Yes. Give them to me, on this very post. No bites though. Vaxxed