Zoe 32, San Antonio TX

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

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

Car payments of regular Americans are close to the per capita GDP of China. pic.twitter.com/CEQd0BNiDA

— Richard Hanania (@RichardHanania) March 30, 2024

!burgers !commies

23 year old

Mother pays for (inclusive, not exclusive) -

• 1200 a month rent? Lease ends in April

  • "Everybody has rent. Rent sucks" timestamp

• Lyft rides to the golf course and everywhere else

Caddy Jobs -

• He thinks 3000 a month once things pick up from talking to the other caddies, brought in 400 last month

  • Wait no actually he's leaving in 3 months

• Likes being a caddy?

Caleb's shilling BetterHelp now

Muh mentals

• Claims "really bad ADHD" makes 9 to 5 impossible timestamp

  • Has been going to therapy for "a while" (10 years), gone through 4-5 different medications

Education

• for college will be moving to NYC

• wants to do a year of Community College to raise his GPA, he's not sure how much he can raise it

• Way too far away to commute to the golf course

• College for Cyber Security

  • I couldn't handle working with this fricker lmfao

  • "I think that being red team on a Cyber Security job would be fun"

• "Certified with Cyber Security" through Google career cert

  • has applied to over a hundred jobs, not a single interview

    • Later clarifies that he applied for about a week and then gave up, this might be a different application spree but I'm not sure timestamp

  • Resume is shit and has no idea how to make one

• "High school was really really rough for me... I effectively tested out of high school"

  • Went to college for a couple years and "fizzled out" with covid, later clarifies that he "tanked out of college"

• "I had a bit of a stint of I don't want to go back to school because I'll make my own way and blah blah blah Internet redpill stuff"

  • "As much as this is possible I've been failing with consistency so hard that I need to go back to school"

"Do you follow pro golf at all?" timestamp

• "If you look up a couple people like [name] and [name] they come out to that club"

• Looking to get a scholarship for gaming "esports"

  • "I am a very high level g*mer, I play Overwatch" timestamp

  • Caleb slaps him down, this guy was third best in some game he shared and he copes massively for the next few minutes about how stats aren't everything

  • ranked 41 in America "multiple times"

    • Currently "somewhere in the top 500" he thinks 220

  • If he manages it this would be close to a full ride

  • He pays for a pro Overwatch coach - $35 a session? Only one so far?

    • Coach works at a school that he might want to go to?

  • He streams his Overwatch (sometimes)

  • His girlfriend took the PC during a rough patch

"What if I just don't feel like getting a job right now?" timestamp

Finances:

• Near irrelevant since his mother is basically paying for things? I'm confused about this because I don't think he admits this but the 1200 a month has to be coming from somewhere

  • Later details on the mother timestamp

• Tries to explain why he's spending so much on his stupid shit timestamp

  • More justification about how tough it is and how expensive things are listening to this subhuman talk about a mom-funded Lyft trip to the store is actually making me mad

• His card is interest free right now but will be 35% interest in 2025, he's not even paying it off lmfao

"You either lied before or you're lying now, choose which one" timestamp

Original thesis was to hold long call options for TSM earnings run up but this stock kept tanking and forced me to continually average down and fricked me.

My current avg is around 1.5 and is the market value today is around 0.3 (-80%). They do expire 4/19.

Does this even have any chance? Just depressed... and honestly devastated at my stupidity.

just average down, it literally can't go tits up

Video Link -

• Married at 22, divorcing at 23

• He can't stop spending, he doesn't help with the finances timestamp

• Why a divorce? timestamp

  • Went to therapy, decided they weren't compatible

  • Soy keeps talking about "trauma" while based wife talks facts and cold analysis

  • "He's a crier and I'm not"

  • "It happens so often that instead of consoling him I roll my eyes, here we go again"

    • She's perfect bros

• Wife wanted to come on the show

Finances:

• Three bedroom house with a roommate

  • Will continue living together post-divorce, different rooms

  • "What about dating other people won't it get awkward and stuff?" timestamp

    • "That... I'm probably not gonna get into that until later until I actually get out of therapy personally"

  • Just moved into that house, decided to divorce slightly after the move

  • a year left on the lease

• "He could probably burst into tears at any moment" timestamp

• Scores

  • She says 0/10, he thinks 3/10

• He's cut off his mother because she's "narcissistic" timestamp

• Spending

  • Tiktok marketplace timestamp

• Card 1 ($6969) timestamp

  • 410 minimum payment

  • She didn't know about this card until after marriage

  • 171 interest, 250 in new purchases

  • lot of useless shit on here

• Card 2 (3'233) timestamp

  • 3'200 limit

  • Over the limit at the time of the statement, made payments since?

  • "After I gave him my emergency fund to buy his new car I then had to go fix my car which was $2'500"

    • Stick insect freak didn't have an emergency fund of his own

  • Had to replace the "arms" on all four of her tires

  • Gym membership that neither doesn't uses

  • Gollum takes pot shots at her from behind Caleb during this segment, little freak sitting there all smug

• New Car (16'207) timestamp

  • 6ish percent interest

  • $326 minimum payment

  • 2022 Chevy Spark

  • The Freak tries to explain his financial reasoning and upbringing, I don't understand it because he doesn't understand it. It's a inhuman thing trying to masquerade as one of us.

  • His father cosigned for it

• She has a Chevy Trailblazer 2006, no debt on it

  • 230k miles?

  • [Midge tries to gloat calling the van a shitheap] "He thinks he knows a lot about cars"

• She nearly beaned him with a box when he started questioning if she really loved him timestamp

  • He deserved it. NTA. This woman is a queen.

• Checking account deets timestamp

  • The creature tries to speak and is immediately slapped back into into reality

Some Loans

• 1200 - to family friend

  • Friend owns a furniture store, no minimum monthly

  • She wants to keep the bed but is open to selling it to him

• 800 - to father in law

  • His father in law, bills from old apartment?

• 5000 - to parents for wedding

  • This was a gift but she feels obligated to pay them back since they are divorcing so soon

• 1900 - financing an appliance

Spending Graph - timestamp

Careers:

• He's a front desk guy at a hospital timestamp

  • The dynamic here is really interesting, she's got a better idea of his income than he does

  • Just started full time, part time for the last year, 1400 then, around $16.00 an hour now?

• She also has the same desk job kind of thing, I assume paid the same?

• He is trying to start a graphics art design thing?

  • Both went to school for graphic design

Guys you’re dunking on poor people. That’s who most commonly uses these apps. pic.twitter.com/SfXiig4CoM

— Justine Barron (@jewstein3000) March 23, 2024

pic.twitter.com/QLo3raTEte

— Rothmus 🏴 (@Rothmus) March 23, 2024

OC

I'm 29 years old. I've lost all the money I've had and took out credit card debt and borrowed money from my mom to day trade. Each time I tried making it back, I ended up losing more and spiraled out of control. I'm a complete idiot and I really ruined my life. I'm now trying to turn it around since I hit rock bottom.

There's about 45k of various credit card debt. 12k in line of credit and 45k of credit card debt held by my mom. I have no other debt. I make 90k a year before taxes, which amounts to about 4400 per month. I live with my parents. My mom does not have an income but my dad is supporting her. He does not know about the credit card debt and I've been making the minimum payments.

My credit score is about 650, so I'm not even sure if I'll be approved for some debt consolidation. I have a meeting this Friday to apply. If that doesn't work, it time for me to consider a consumer proposal or bankruptcy?

EDIT: so I had an appointment with an insolvency trustee and it sounds like they may be able to reduce my monthly payment to about 440$ a month for 60 months under a consumer proposal. I also have an appointment this Friday to apply for a debt consolidation. The consumer proposal would allow me to free up money to be able to pay off my mom's debt faster, but the debt consolidation may allow me to recover my credit faster. Obviously I want to do right by my mom, so fully ready to go the CP route, but just wondering what people think about the debt consolidation route if that's possible as an option.

Really appreciate any advice..

I'm like "I got maybe $3 between two different debit cards, what can I get?" and the dude actually spotted me a pint of vodka saying bring me a $5 bill next time. I absolutely will bring him $5 next time, I kinda needed this drink. That was unexpected kindness but I guess I have given him a lot of business over the years. You'd expect a liquor store owner to throw you out if you can't pay but maybe he realizes I'm good for it.

...

Edit: Thanks for the nice replies, frick you to the judgmental ones.

And we dislike you too.

Edit 2: I have tried rehab several times and it didn't take. All they do is dry you out and send you to a religious group. Oh sorry "spiritual not religious" like there's a fricking difference. It's all superstitious nonsense. AA can go frick itself.

Perhaps if you stopped wasing money on alcohol you might become not poor? But then again I doubt it.

It's literally an active subreddit called /r/poor where poors unironically and in total honesty congregate and complain about being poor. I'm sure there's tons of stuff to be mined there.

For instance the top post of the subreddit is called "America is unlivable" (15.1K upvotes):

This country is absurd. I hate it. I hate that two people in the home are working and people can still not afford to get by. People should be rioting in the streets for the way we live. Government taxes the frick out of us. There is no federally mandated workers rights, no mandated pto, maternity/paternity leave, hardly any paid sick time. Other counties get 4-8 weeks federally mandated pto, 6mos -1yr of mandated paid maternity leave, unlimited sick time. We are literally living off crumbs of happiness. Most people can't afford to put food on the table. And we don't do anything. My car ins has gone up 50 dollars in the past year for no reason no accidents nada I even lowered my coverage because it's so expensive and it still went up. We pay for streaming services because it's cheaper and a way to avoid commercials. But now every streaming service is 20 bucks and it's 60 for the "premium version " with no commercials. People can't afford to feed their kids but the government is still taking at least 300 bucks out of every single pay check. Rent has gone up utilities have gone up. And everyone cries inflation which is true because the US feels the need to get involved in every single countries problems but the people living here who are starving isn't their problem. And the number one profit that has increased is corporate profit. They all say it. They're making more money than ever and their profit is at an all time high. But most people are living paycheck to paycheck one bad week away from homelessness. Not to mention all of the stupid shit they make us pay for. Please explain to me why I need to re register my car every single year and it costs nearly 100 bucks? We should only have to register it if you buy a car. Register one time and that's it. The government completely controlls us and takes advantage of us and most people don't care. We should be protesting in the streets. We should be trying to cripple this tyrannical government. But people are too scared or too busy. It's killing me. It's so sad, we're wasting our lives away working. I hate seeing people live like this.

DoorDash has, for many people, become a substitute for frozen meals, despite being less convenient and radically more expensive. And a lot of frozen meals taste fine, plenty of chain restaurants are actually serving that.

— cai (@AnneNotation) March 17, 2024

The replies to this tweet, which puts the bar as low as possible (frozen foods), somehow receives gratuitous pushback. Examples:

https://twitter.com/trochele/status/1769811110511710669

One pot pie is 600 calories

https://twitter.com/alxcharlesdukes/status/1769518810271211879

Unless it's like Stouffer's or hungry man frozen dinners, McDonald's is much worse than any frozen option.

https://twitter.com/KnoxEndemic/status/1769733590164672606

This one is the funniest to me. Somehow this person is distressed by the prospect of taking a meal out of the freezer and into the microwave.

https://twitter.com/Sarahj1919/status/1769853056777134438

Normalize institutionalizing these people and whipping them in shape