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

Hi. My company has been doing system wide layoffs for about 6 months now. In hindsight I should have started applying from then but I didn't think it would continue. Low and behold I was finally on the chopping block today. They sent a meeting invitation around 6pm last night from someone I've never heard of with no company branding. I ignored it because I thought it was spam. Then I lose access to all systems this morning. I text my supervisor who tells me to email some other company alias. Their email states my position was eliminated effective immediately and i would receive a fedex package with a separation agreement and additional information. I just bought a car which took some of my savings, and tanked more savings into a big vacation I've been planning for years. I actually just paid for the flight yesterday afternoon. I'm absolutely, royally fricked. My mom has also been unemployed for the same reason since about June or so. I won't have any help from her and I'm absolutely terrified of losing everything.

Can anyone help with next steps? I live in Maryland. I'm a bit too shocked to think straight but I don't want to waste time. I'm really just trying not to cry at this point.

TLDR: Laid off from job, low savings, and panicking. Advice?

The layoff notice she got after skipping the meeting

A post from her 5 years ago:

110000k in student loans and a 70mile/day commute to work with no car - budget help wanted

Finally, her bird she posts a lot about.

here is a trick i did in this situation years ago, idk how much time has passed but your bank might still let u withdraw cash at an atm 🤫

i was using a WF acct and the max they would let it go negative for was i think like $250 in a day. so in this situation, if its the same day ur acct has gone negative, try to go to the atm and try to take out $100-120. worse that happens, it declines it; maybe u have different bank, maybe this hack doesnt work anymore, idk. but best case scenario, u have an extra $100 in cash to use. u r alr negative and yes u will have to pay the deficit still, but what is there to lose?

i stopped doing payday loans for this exact reason! they took it out of my acct automatically even tho in my case i specifically called multiple to tell them i would drop off the cash in person. i saw ur comment and im glad u will stop the cycle. frick payday loans

this is such an r-slurred way to view your fianances, its honestly kinda sad

I started getting my paychecks deposited elsewhere so I could at least pay for my essentials, then next time I got paid and had excess, I settled with the payday lender. Then I used my next paycheck to get my first account back in the positive.

I came here to say this. Years ago I got wrapped up in this and unfortunately the only way out was to open a new checking account with one of those online bankers and get my direct deposit in there. I eventually paid my old checking negative balance and closed it immediately. Just settled with the loan companies later. Credit took a big hit for a few years, but it beat the alternative of being homeless and hungry. Didn't see anyway out other than that option.

That's actually really smart!

If you just keep using your last hundred to get yourself back to a zero balance, then throughout the week you'll overdraft yourself back down, and then you're caught in the debt cycle again but with less to show for it. Let the account overdraft for a bit, pay it off AFTER funding your essentials.

Another person talking about overdrafting on purpose??? Most banks charge crazy overdraft fees

I had to stop watching around a quarter of the way through, it stopped being funny

Gia, 25, Sacramento CA

Homeless living off twitter e-begging and ex-husband sending her pitybux timestamp

Does door-dashing for cash as well as e-begging

• small amounts, $144 last month?

Attempts to explain the husband situation timestamp

• He lives in Pennsylvania and wants her to move back but she doesn't want to go there?

• She wants to live in Kansas?

• Husband only just started working? What the frick

• Married in 2018?

• Both lived in Kansas City, she took care of him? What?

Visited husband a few months ago timestamp

• Lost her van in an accident while there, he has all her things and will throw them out if she leaves him?

Wants to get a job around Austin timestamp

• "I can't live in Kansas... I have a warrant"

• Went to jail for 4 days for "failure to appear"

• Driving on a suspended license, bad tags

  • got caught going somewhere then caught again while driving back?

• "I don't know why I didn't go to court"

Went to college for Film Production

• About a year, then dropped out because she had to leave Kansas rather than deal with the warrant

Smokes weed timestamp

Caleb notes she smells like weed? timestamp

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

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

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.

OP

It would be nice if you could just find something to chew on or drink that covers a lot of necessaries. My issue is that I get bored with the easily made, cheap food I can buy and prep. They all take a short amount of time compared to other foods but then I get super bored of them and would want something more or different..

Eating a special nourishment paste sounds so practical and if its 100% digestible, it is fine with me or I wish for someone to create a human equivalent of dog kibble that contains all the daily nutrients and calories needed to sustain life.

When you don't feel like cooking, eat it, and when you don't want to eat kibble, cook. Why can't we have something like this? I know slowcookers exist, and it's the closest thing to set and forget and eat so we can do human stuff.

Some of this probably inaccurate. I had a hard time following what she was saying through the tears, not actually sure if she's a tumblrina, just guessing from behavior patterns and age

Cia, Oklahoma, 29

Personal Life:

• Found Caleb through TikTok

• Was in a dual income situation but spouse is currently leaving her? They were both going to be on the show?

  • Brushed over at the beginning of the show

• Since 2017, in 2019 grandma passed, she goes to North Carolina where her tribe is "Eastern Band Cherokee Indians"

  • Met cousins also in "table games" at the funeral

• Mother is Comanche

• Moved into grandma's old house when covid hit?

  • Timeline is a little weird here

  • Was also paying father $500 a month

• Other grandma gets sick, also died, she found out at beginning of 2021 died early 2023

  • She came back to Oklahoma for her?

• "So basically I've been just surviving since then, I started table games jobs when I wasn't in the right mindset" timestamp

  • "So basically what you're seeing right now I'm getting out of the depression"

  • Not sure what this even means

• "Everyone views me as the parent"

• Gets tribal benefits if she's in North Carolina?

• Household income

  • She works from Jan - early Aug at other table games job

  • Husband has been getting around 1800 on his checks

• "You guys were going to come on, what happened between your application and no-[ad break]" post-ad timestamp

  • Major waterworks here, avoid if you don't like seeing people crying

  • Not going to take notes on segment but it's beat for beat a Boogie diatribe -

    • everyone's using her

    • she's the nicest person around

    • her soon-to-be ex-husband is immature and didn't reciprocate emotional support

    • muh therapy

  • Close-up interjection from cell phone-cam Caleb timestamp

    • "blah blah blah, only one side of the story try not to be judgemental"

    • "A couple days after the episode she sent them an email saying we are in the wrong, me and my team, that we are against her, that we are the evil ones and we hope for her to not succeed essentially"

    • 

  • She and her ex will be co-tackling debt before separating with dual income

• Diabetic, lost weight on ozambiec?

Career:

• "Table Games" (Casino)

  • Blackjack dealer

  • 13/hr base, just started, 7 and a half hours a day

  • Worked at this position before asa supervisor, made 13.30 + tips (rare)?

  • 1950/month? maybe?

• Also gets tribal gibs, 20k last year but varies depending on casino preformance

Financials:

• Has a house, that's paid off

• $33'000, bought ten years ago, in Oklahoma

• Gets tribe gibs twice a year, varies depending on how casino is doing.

  • 20'000 last year, lower this year

  • June and December

• Car Loan $17,657 timestamp

  • 18% interest

  • $414 minimum payment

  • "That's uh... That was like I need to get out of the house"

  • "It's my car"

  • Chevy Spark

  • "So basically when my grandma passed away I was going to take over payments on the car which was like six hundred something"

    • "This car?"

      • "Not this car, it was like a Honda er uh Honda Accord hybrid but then my mom she wouldn't let it go so then I wanted to at least pay that six hundred try to maybe refinance it but then she let it go and that got repossessed and in the midst I'm like I need to start getting out of the house I need to start getting ready to get a job"

  • Mentioned later that both of their names are on both car loans

Car Loan 2 $32'776 timestamp

• Chevy Colarado 2021

• 813 minimum payment

• 11% interest

• Newegg $1'600 (I'm not sure) timestamp

  • "Cozy games"

    • "Like Stardew Valley, you know"

    • "Well I also like Borderlands too"

  • Bought a pre-built for 1'307.99 timestamp for thing showing

    • 35.98% interest rate

    • Currently owes 1'600

    • Has paid $154.44 so far?

      • $120 payment later mentioned through Affirm? I don't understand this

    • 787.22 minimum monthly payment?

    • Husband was the one that ordered it but it's hers?

    • Caleb mutters the specs under his breath timestamp

      • "Six core CPU"

      • 16 gigs RAM 3600 DDR4

      • 1 TB SSD

      • Nvidia 3060

• Home security (in collections)

  • was not in a good area, now in a better area

  • Didn't pay this because [storytime] timestamp

• Credit card 1 timestamp

  • Pays this off

    • "That was just for one month, I was working really hard"

  • "My grandma when she passed away I got money, I got some insurance money so I've been that's how I've been surviving is her money"

    • $30'000, has 10'000 left

  • Balance is back with a vengance, now

    • waterworks are back "every day I was like taking like edibiles and like high edibles and I was gaming" blah blah blah more boogie bullshit

    • "It's like almost maxed out"

      • It's not, it's $990 out of $1'800

  • $20 monthly payment, 28.24%

  • Buys streamer merch, some woman pronounced "Payton" who streams on Youtube?

    • I couldn't find her, just got football videos

• "Super Secret Debt" timestamp

  • About $3'000

  • Not on a payment plan, a couple years old

  • Something about someone needing documents but she never gave them the information

• iPad $500

  • 0% interest?

  • $55 a month?

  • additional $30 a month for phone bill

• Student loans $5'000

  • Federal

• Chime checking account balance -$84 => 0

• Retirement Account - $436

• Canceled subscriptions - Manta, AMC, Crunchyroll

• Has not cancelled - Hulu

• No savings

• Allegedly $800 a year in property taxes

• Doesn't have home insurance

• Caleb claims to be on a diet