Part 1 – link

Part 2 – link

is now sponsored by a company that makes him food, he's moving up in the world. timestamp

Her third time coming back

"Have you tried to improve your life at all? Financially speaking, of course."

"No"

"To be honest, the only thing that I remember that we went over is mostly like-

"You could have watched the video, you could have watched it at any time or you could have asked me"

Career:

• Started a new job at a restaurant, got fired from it yesterday after 4 weeks

  • 14/hr + tips, 8hr shifts

  • "I was late a few times, maybe 5, 10 minutes late twice and I had a little personal breakdown one day and I had an unexcused absence" [there's more to this]

  • timestamp for the firing story

  • "I went in like the alleyway and I clocked in at 5 and then I went to go park my car and that took about 30 minute-"

  • "They treated me like I did a crime, they said I'm never allowed in the building, I swear." timestamp

  • "Like I used their iPad to text someone timestamp

• Doing a cleaning service, not getting many hours

  • On call, "hire a maid type thing"

  • 2 hours

• Has a live-in nanny position

  • Means that her rent is nothing

Debts:

• Can't sell the car explanation segment timestamp

• Can't do Uber because her check engine light is on

• Collections

  • $4200

  • $523

  • $421

• Car 13'033

  • Has made her car payments late sometimes?

  • 2014 Kia Sorrento 6 cylinder but not certain which exactly timestamp

  • "My boyfriend just hit something the other day"

  • "He said he hit like an animal"

    • Damage is on the back and on the side

  • 177'000 miles?

Savings:

• Negative in the accounts, again

• Beginning balance of -$5 timestamp

Expenses:

• Paying her bills through her boyfriends? timestamp

  • This is also the start of the expenses section

• Holy shit she's still doordashing and still eating out

• She could have gotten a free bus pass but has chosen not to timestamp

• Was living in Louisiana for 4 months, hated it, then moved back to Austin and was homeless 2 months sleeping in her car

  • Was working at a casino, lived rent free?

Personal Life:

• Boyfriend deets

  • She's landed an incredibly loyal straggot willing to be homeless with her

• Boyfriend is working at home depot

"I didn't know what APR meant" timestamp

Attempt at explaining a plan to her timestamp

The stock went up quite a bit since I wrote them so I stand to lose a lot of money.

I'm pretty bummed out about it. But I think whatever nameless algorithmic trader that will exercise the options is probably more happy to get it than I am sad to lose it. So the total happiness in the world increased.

So whatever.

Anyway sorry for the shitpost, I'm waiting for Jamaal to get finished with my girlfriend in the bedroom.

!coomers

Listening to this in the background and taking notes when something seems interesting so any and all of this could be completely wrong

Fiance has a small student loan and a small credit card loan (that she knows of)

Fiance blew his Achilles, only just getting back into work, job at specialty hospital bed company, I assume for

$5000 to $6000 saved prior to all this

• 36 years old

• Works in some sort of victims of violent crimes advocacy thing

• Take home is a little less than 5000 month

• laid off twice last year

  • got into issues with credit cards

  • laid off in a tech sales position, then a position at a real estate tech company

    • Founders of the latter helped her find her new position

• "Not in a great place" "I thought I could rely on the credit cards and I wasn't making lifestyle changes"

  • Working part-time at Target/Costco?

• Breadwinner in her household?

• Delayed wedding because of the money issue, lost deposits on a few things "only a few hundred dollars"

"What does he think about your financial situation"

"I don't think he knows"

....

"I pay all the bills"

"He knows about a few credit cards, not that they're maxed out"

"I don't want him to have to change his lifestyle if I can't keep up with it"

• based gender equality

General Financials -

• Start of Month - $671

• End of month - $304

• Paid for "Experion credit report" $20 recurring

• "Credit Fresh" $150 - "A lot of credit that I need to pay off"

• Labeled one of her credit cards "savings"

• No savings, no emergency fund

Debts -

• Maxed out Capital One Card 1 ($876.15)

  • $32 minimum payment

  • $21.70 interest

• Capital One Card 2 ($543.87)

  • 13.64 interest

  • minimum $30

  • "My dog god sick so I kind went crazy and applied for a bunch of stuff and just kept it?"

  • Was not working full time at the time

• Credit One Card 1 ($573.87)

  • Not maxed out

  • $30 minimum payment

  • 13.64 interest

• Credit One Card 2 ($908.15)

  • Maxed out $32 minimum payment

  • $10.04 interest

  • Still purchasing on it

• Credit One Card 3 (908.15)

  • Minimum monthly $32

  • $20.70 interest

  • 28% interest?

• Aspire ($378.41)

  • Minimum Payment 35.47

  • $10.47 interest

• "Verv"(?) ($1267.37)

  • Minimum payment $51

  • $30.58 interest

  • Not sure I heard that name right

  • Still purchasing on this card despite having been watching to the guy's videos for at least a month

• Prosper Maxed out ($1463.31)

  • Minimum payment $48

  • $33.68 interest charged

  • Made purchases on this one too

  • 32% interest?

• Petal ($1959.54)

  • $40 under the limit

  • $59.30 minimum payment

  • $40.11 interest

• Apple Card (???)

  • Repeatedly declined

  • interest charged was muffled, I think I heard "hundred" in there

  • minimum monthly is $85

• Credit Card (44??)

  • ???

• Personal Loan ($2'100)

  • Estimated 20% interest

  • minimum $150 payment every two weeks

• Car - $18'535

  • Buick Encore 2016 - 9'000 on it when purchased

  • $576.15 monthly payment

  • $201.93 interest (20% interest)

  • Bought at beginning of Covid, somehow this is the refinanced.

  • Five year loan

$1308 TOTAL MINIMUM

$450 A MONTH LOST IN INTEREST

35% OF HER TAKE HOME PAY

I love this guy. I'm not sure whether he's a rich lolcow addicted to arguing with r-slurs on reddit or just a fun dramapilled poster, but he's a chad.

I'd beat the shit out of a twelve-year old if they spat at me

redditors seethe over this man being willing to properly discipline children

700k isn't a lot of money, poorcels

poors once again get owned simply because they seethe over a king wanting to keep a little more of his (modest) income

noooo I cant get a house noooo we need to kill all the landlords what I am going to do if I can't afford rent huh what about that?

homeless shelters are free

many more hits, it's so rare to see a guy just make people constantly seethe

leaving him here to help fight the poorcel politics of envy

Forgot to paste this into the link spot

Mel, 22, San Antonio TX

Personal Life:

• Lives with her boyfriend, splits rent/utilities

• Wants to work govt job for student loan forgiveness? Nothing specific

• Boyfriend

  • Manager at Lackland Air Force Base - timestamp

    • Something about videography?

  • He's planning on going back to school, got a degree in fine arts/photography wants to do cloud computing

Career:

• Personal Shopper

  • HEB

  • 25 hours?

  • 300 a week, depends on hours worked

• Grad Student

  • Got undergrad in Marketing last May

  • MBA

  • Taking out debt, took out debt for undergrad as well

  • 12'000 a year tuition

  • "Why aren't you cashflowing it?" timestamp

  • Planning to be done next May

• Talent Acquisition at Ford "Social Media Coop" (?)

  • Remote work

  • 20 hours a week?

  • 850 - 900 twice a month

  • "Why is this Ford position not a full time position for you" timestamp

    • Started 4 months ago, thinks it is just a trial? Had it as a part time because she wasn't certain about how demanding grad school would be

• Total income $3000 after taxes

Expenses/Debts

• Loan ($2069 remaining)

  • Credit card consolidation

  • Some part of debt was initially because she wanted a Macbook for school

  • $90 monthly payments

  • "26 payments to go"

  • More than 10% interest

• "This past semester I took out $20'000" timestamp

  • Her excuses

  • Clarifies that this is for the whole year? More of her classes are in the evenings and shes worried they might cut into her HEB job

  • On top of existing 36'386 timestamp

    • incredible gymnastics on these rationalizations timestamp

  • All Federal

  • thinking about a PhD

    • Would be done in 2026/2027ish?

• LOTS of eating out timestamp

  • "I didn't realize how bad it was"

• Explanation of how she budgets timestamp

• Imprint HEB Card (Card 1):

  • "You get 5% cashback"

  • Pays it off, lots of subway purchases on there

  • "Favored Subway"

    • Some sort of regional doordash that's more expensive?

• Synchrony Card American Eagle? (Card 2) (not sure I heard this right):

  • $300 credit limit

  • $29 late fee

  • 30% interest on this card, "I got it a long time ago"

• Ikea Furniture Plan?

  • 0% financed apartment furniture

  • 546 remaining, her and her boyfriend split it, paid 300 on it last month,

  • minimum payment 37

• 2018 F-150 truck

  • parents pay for it, it's in their name and they pay insurance for it

Savings:

• $102 in her checking ($708 on hold?)

  • "I try to leave myself with at least 150 a week, that's my budget" timestamp

• Hasn't started a 401k, one of her jobs offers it with matching but she hasn't signed up

SHE THOUGHT HER STUDENT LOANS WERE ZERO PERCENT FOREVER

timestamp

They took the job offer back because I told them I couldn't afford a suit, because I'm poor. Which is why I applied to the job. So I could afford things. And Not Be Poor. https://t.co/uaKiPtNJiv pic.twitter.com/eaCDQtbBeu

— Ursen (@Ursen_) December 20, 2023

NEW: Police reportedly called after small boy is seen in nothing but a diaper and uncontrollably shivering as his mother refuses to give him warm clothes.

Luckily, one apparent shopper felt so bad that they grabbed a pair of clothes to put on him.

It's sad that a random shopper… pic.twitter.com/LSBpgmprTX

— Collin Rugg (@CollinRugg) January 23, 2024

Another day, another story of some beautiful bold black skin gets covered and hidden under the veil of white supremacy. This time the part of the white supremacist was played by a physically r-slurred person of weight and color. He will not be forgotten. His young soul rests with Treyvon's and Floyd's.

I'll be real with you, unless you're VERY good looking where you clearly get tons of female attention or you're the store owner making good money, I'm here to tell you that most women will not even look your way. They'll view a guy working retail in his 30s for his main job as pathetic, unmotivated, and unable to financially provide. Sure you might be able to get a significantly overweight single mom that will take what she can get, but that's probably about it.

Lmao get out of here bitter betty. My last two relationships have been with guys that made SIGNIFICANTLY less than me (I’m in tech) and nowhere near 6 figures. I’m going on a date tomorrow with a guy who works in the service industry and I am REALLY interested in him. Money doesn’t matter to everyone, it’s connection and emotional availability for me. As long as a guy can pay for his own life and isn’t leeching off me I couldn’t care less.

Source: 34/F mom who is NOT significantly overweight or desperate. I also work remotely and love to travel.

A redditor telling you they’re not significantly overweight is like 190lbs at 5’8”

higher value women wont. if that is the best she can get then sure. there aint gonna be any beauty queens dating a retail worker bro.

The unemployment ran out. Sold stuff. Feels like I'm set back about five years.

I hate the new job btw, they want me to work like a W2 employee but classify me as a contractor (I put in 65 hours last week, only paid for 40). Obv no healthcare.

Still in tech, and I didn't save as much as I should have but I've only ever made decent money for a little over two years in my entire adult life. Prior to that I think I maybe cleared 50k. When I hit six figures I finally traveled and enjoyed things.

Looks like that was the peak of my existence and now I feel like an old frick. If I didn't have supportive people in my life I wouldn't still be in it.

There's no point to this post other than I finally felt like I was living the life I imagined I would have back when I was an early 20s grindset jockey, and for what? Two years of a good life?

I threw away a lot of youth and not peepeeing around or enjoying my 20s because I thought that's what I needed to do to make my 30s easy. It didn't matter.

Maybe some of you have it figured out. I for fricking sure don't.

You learned the a hard important rule of having money. Make sure you pay the house (your savings). Saving 20k on 200k salary is hilariously terrible.

You're not wrong, I think I was increasingly challenging myself on how much shit I could buy. The work was stressful and I thought I had hit the lottery.

Definitely didn't realize how good I had it until it was gone.

“I was wearing the same suit” — Sunak explain that he’s not too rich 🤷‍♂️ pic.twitter.com/r4jN6T5L65

— Lord Bebo (@MyLordBebo) August 17, 2023

He is so lucky that bongs votings ain't soon

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