jk not really v dumb

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

Poorest person in the world

Says the Nordstream terrorist who brings the world to the brink of nuclear war to prevent a multipolar order that will inevitably end the US prosperity that was based on global theft & bullying? Americans will be poor and miserable because of corrupt US politicians, not winning. https://t.co/wWsk1zUqoG

— Kim Dotcom (@KimDotcom) March 11, 2023

This is what the Demonrats want. To make everyone rely on the government and live in the pod.

Insanity

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

I've given up on life and am wasting away.

I can't do that under someone else's roof since I won't ask them to support me, so I need to leave and never come back.

I have no job (because I got laid off back in February) and no prospects (just several interviews with tests that never lead to a job offer). Applied to 250 jobs and my unemployment is running out. My savings is depleted, I'm 210 pounds, losing my hair, and am a general waste of oxygen.

I need to go somewhere where I don't have to pay a dime: just lay there until I finally die since killing myself is against the law for some stupid reason.

I'm fine with whatever comes with being in either (being drugged, being assaulted, being robbed) because at least it's a free hot and a cot.

Best advice on where to waste away without having to spend a dime: psych ward or homeless shelter?

The sooner I can be an unidentified toe tag, the better.

Any "it's gets better", "find God/Jesus" nonsense will be ignored.

Feel free to give me tough love, though. That's always a reliable reminder that I'm a roach.

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

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