Cameron, 20, Houston TX

At least two Red Bulls

Segment like a really sus video where Cameron explains he consents to the show timestamp

Career:

• "Kinda complicated I guess"

• Part time real estate, part time construction with my Dad

• "From Sunday to Wednesday I do real estate, I guess full time"

  • He lays out his schedule timestamp

    • 5am wakeup

    • 6am gym

• Real Estate agent, lots of calling people

  • Done it for a year

  • Wants to do this full time

  • This month is "most money he's ever made"

  • $14'000 this month but he "spent most of it"

    • Sold a single listing and got them a new place - he knocked their door

  • He tries to explain how timestamp

  • When he started he "spent the money before it was in [his] pocket"

  • Was a server at resturaunt, quit it to be agent

  • Hems and haws then admits it's 2'500 "over 6 to 8 months" so much less than other guests

  • "I try to prospect but like I've started playing Minecraft and stuff you know what I mean?" timestamp

    • This is what he was doing last year instead of working?

  • Works 4 hours a day 4 days a week timestamp

    • Actually it's 1 hour a day of calling people?

    • Actually he's showing houses as well?

    • Maybe 3 a day?

  • A day in the life of a real estate agent timestamp

    • Later clarified to 1 hour a day with a lot of staring at the screen doing literally nothing, sometimes watching Financial Audit videos MARSEY LFMAOOOOOO

    • HE ALLUDES TO HAVING THE ZOOMER PHONE PHOBIA

    • 3 hour lunch break lmfao

  • Saved $2000 of that $14000 check

• Construction timestamp

  • Dad's company, Dad cuts him a check

  • About $125 a day, 3 days a week (around 10 hour days for this)

  • Doesn't know if he's W2 or not

    • "Uhhhhmmm my dad has his company and I just kind of go in and he gives me a check"

    • "I don't know I just get the check and I just picture deposit it into Wells Fargo, it goes into my account"

  • Just started this, started around last month

• Living with his parents

• "I used to make a lot of money as a server"

Personal Life;

• Girlfriend of 2 years is in the room timestamp

Financials:

• Parents helped him out 7'000 on a car downpayment

  • He paid them back 4'000

• He did not set money aside for taxes

• Credit Card 1 (Discover) (1'015) timestamp

  • 1326 previous - 994 payments + 664 new transactions

  • "Why are you putting more money on a card that is accumulating interest?" timestamp

    • He is extremely confident things will just work themselves out

  • "If you look at my spending I try to be really conservative with it"

  • Lots and lots of eating out, some paint he got reimbursed for

  • "Everyone's net worth is negative at 20 years old"

• Credit Card 2 (some bank name) (2404) timestamp

  • $2391 - $200 payment + 157 new purchases + $55 interest accrued

  • He paid another $200 payment on this

  • Credit limit is $2500

  • Ate $29 in fees this year

• His stonks timestamp

• 2016 Jeep Wrangler timestamp

  • $31355 balance

  • 10.something interest rate

  • There's an unpaid balance of $680

  • He tries to explain, his parents took the car out for him, in their name, he's paying for it

  • Caleb seethes because he keeps looking at the camera

  • 6 year term

  • Jeeps in the shop, $300 - lots of other spending on parts for the jeep

  • Suspension is messed up

  • Lots of other issues with it

  • Pays for car insurance under his parents name - $400 a month

  • Went to college for a year, took a year off, couldn't afford to both go to college and pay the jeep

  • He didn't really know what he was doing at college

  • "My way of justifying it was I didn't know what I was doing in college and I had the Jeep anyways"

• Credit Card 3 ($472) (Spark Business) timestamp

  • 536 - $71 payments + $12 interest accrued

  • Not the real estate card

  • "This card was a really dumb decision... probably the worst one"

  • "Every year we get a fee as realtors, we have to pay like 400, 500, I didn't have the money so I opened a credit card and paid it with that."

  • Minimum payment 17, 30% interest

• Credit Card 4 (CapitalOne) ($352) timestamp

  • Minimum $25

  • $8 interest accrued

  • $727 - $700 + $323.85

  • "This month I spoiled myself"

    • He tries to explain why he thinks this is a good idea

• How much he owes to his family timestamp

  • $11'000 total?

  • Informal, gets brought up when the dad's mad

  • He paid 4000, it's down from 15'000

  • Pays $400 for rent

• Checking Account timestamp

  • $150 in there

  • fair bit of going out to eat, eBay headphones, smoking "trying to quit," $1000 into his RobinHood

  • THIS R-SLUR INVESTED 15% of the portfolio INTO TAKETWO HOLY SHIT

    • waiting for GTA 6 thinking it will moon shot

Spending piechart timestamp

• He gave his parents 4000 which might be upfront rent payments might be debt payment? to help pay off the house???

Caleb makes him cry bigly timestamp

• "To be honest, it might just be a reaction to the Red Bull"

Oracle seems to be a long-term sponsor, every video now

ya'll see the tweaker faces the "substitute elemetary school teacher" is making the whole time?? lmao. Gee I wonder where all the cash is going tsk tsk

In my opinion more authentic than caleb hammer.

Next week I'll post the pitty parents making 6 figures who send their kid to live with grandma during the week.

Maya, 24, San Antonio

Personal Stuff:

• Full time student timestamp

  • Gets a "Chapter 35" from the VA, her mother is a "totally disabled" veteran so she gets a stipend for all the months she's in school?

  • Gets $1488 a month

    • Will last 36 months

  • Taking 12 credit hours this semester

  • Doing her first sophomore semester right now - took a 5 year break from college

• Dropped out of HS at 17 years old

• Started working at 19 - "partied" for two years

  • Got a job at Taco Bell, promoted to manager at 21

• Bought an RV to move out from her mother timestamp

  • She'd moved back in with her after a long-term boyfriend didn't work out

  • "I talked the RV down to 4000"

  • "1993 Fleetwood Flare"

  • Sold it for 6'000, all that's gone now though

• Why don't you have a part time job? timestamp

• Owns a pet, there's a Petco transaction on CC 1

• Got her eyebrows waxed before coming on the show timestamp

  • "Like you can't tell because - [words words words]"

• Studying "Neuroscience premed" timestamp

  • "I never plan for the future for anything"

  • "There were a lot of times where I was genuinely unable to get a job" - "I just wasn't allowed, physically wasn't allowed"

  • Confusing story idk what this means?

• Over the summer worked at Six Flags, "passed out multiple times" because they would not let her drink water timestamp

• Family Deets timestamp

  • Mother in San Antonio

  • Father in San Diego

  • Divorced when she was little, father raised her and sister alone - mother left to San Antonio in 2011 - first reached out to mother during the RV arc - father is very poor, won't be able to help with much

  • Has had to help father with money a couple times

Financials:

• No Savings

• Both cards' balances have gone up, gone up more since the papers shown

• Self-scored financials 3/10 - timestamp

• Credit Card 1 (quicksilver) ($7'494) timestamp

  • Paid $247 off on this

  • $141 in new purchases

  • Accrued $182 in interest

  • "I kinda girl math myself a little bit"

  • Can't cancel a $60 a month subscription because it's "complicated" timestamp

  • Tiktok shop timestamp

    • "I see stuff on Tiktok and I'm like that looks like a good thing to purchase"

    • "I put a 30 minute timer on it because I'm on there so much"

    • "Just Delete it"

      • "But then how am I supposed to send my friends memes"

  • 30% interest, she thought it was 25%

• Some vet stuff, two cats, kitten got neutering botched and cost another $400

Marseypicker ate the last half of this somehow and I'm not retyping

High points without timestamps-

• 1000 shortfall in her budget

• Tried to kill herself with vodka and ibuprofen wandered over to the police station and called the suicide hotline

• Yugioh deck worth of medical bills from doctor shopping about her a "pain in her right side"

  • Female doctor gave her more tests for no result which she thinks is somehow better than the male doctors telling her to go home because nothing's wrong

• She's got a simp paying for her groceries and her car

  • She goes grocery shopping with this simp and he buys her stuff

• Had sugar daddies a year or two ago while living out of an RV

• Roaches are living in the microwave at the apartment she shares with 3 roommates

have an idea for an epic ping group

Ted, 62, Austin TX

Career/Personal

• Retail Manager

  • $21 an hour, at least 40 hours a week

  • time and a half overtime

  • Around $3000 a month

  • No benefits, he's on his wife's

• Wife makes around $3500 a month

• "retail management is not my endgame"

• Spent 14 years working for Texas "Commission on State Emergency Communications"

  • Got a Master's degree because of this?

• Went to Art school at some point

• Went through a bankruptcy 6 years ago

  • All of this debt has accrued since bankrupcy

• Wife has probably the same number of credit cards timestamp

• He has $17'000 saved for retirement

Financials

• "Why is there so little invested?" timestamp

  • Boomer ramblings and deflection

• Self-scored - 5/10 timestamp

• 150k or so left on his mortgage

• Credit Card 1 (CreditOne) ($811) timestamp

  • $20 in new purchases, $20 in interest

  • Paid $75 on this

  • Minimum payment 30

  • Why Spend on his card?

    • "Our expenses are higher than our income"

• Credit Card 2 (Apple) (2115) timestamp

  • Minimum payment 67

  • $41 in interest accrued

  • Puts his life insurance payments on his card?

• Credit Card 3 (Discover) ($4196) timestamp

  • $69.50 in new purchases

  • Made a $100 payment, also made $100 purchase?

  • Minimum payment $84

  • $57 in interest

  • Lots of mobile games micro-transactions on this card (company called "Zynga")

    • "I was able to quit smoking, and drinking, but I can't quit this"

• Credit Card 4 (eBay) ($1'487) timestamp

  • Made a $75 payment

  • Minimum payment of $30

• Credit Card 5 (Lowes) ($535) timestamp

  • Made $50 in payments

  • $12 in interest accrued

  • $30 minimum

• Credit Card 6 (JC Penny) ($1'591) timestamp

  • Made 75 in payments

  • $40 in interest charged

  • $57 minimum payment

• Credit Card 7 (Venmo) ($753) timestamp

  • $30 minimum payment

  • $102 in new purchases, made $30 in payments

  • $15 in interest

  • Eating out and microtransactions on this card

• Credit Card 8 (Walgreens) ($441) timestamp

  • "I think that's the one that started it all, they had this display when you walk into the store"

  • $29 minimum payment

  • $12 in interest

• Credit Card 9 (Verizon) ($1'290) timestamp

  • He wanted to take advantage of the discount on the phone bill using the card to pay for it

  • $48 Minimum payment

  • $34 interest accrued

  • Made a $100 payment

• Credit Card 10 (Upgrade) ($1'272) timestamp

  • $72 minimum monthly payment

• Credit Card 11 (Upgrade) ($9'260) timestamp

  • Thinks he has two Upgrades because traveling?

  • $126 interest accrued

  • $474 minimum monthly payment

  • "Uhhh I I uh I run a non-profit"

  • "Some of these now that I think about it might have been expenses"

  • "Performing Arts Venue" - He's the president (doesn't get paid)

• Credit Card 12 (Sitco) ($378) timestamp

  • $29 minimum payment

  • $10 in interest

• Credit Card 13 (Chevron) ($128) timestamp

  • $29 minimum payment

  • $71 in purchases

  • 50 in payments

  • $2 in interest accrued

  • More mobile payments on this one

  • Playing "Empires and Puzzles" and a couple others

• Credit Card 14 (Ally) ($228) timestamp

  • $28 balance

• Credit Card 15 (Amazon) ($580) timestamp

  • $29 minimum payment

  • $14 interest

  • $50 payment made

• Credit Card 16 (At Home) ($45) timestamp

  • "Why wouldn't you just pay off $45?!"

• Credit Card 17 (Alta) ($0) timestamp

• Synchrony ($656) timestamp

  • $30 minimum payment

  • Made a $50 payment

  • Made $12 in purchases

    • It was Starbucks

  • $14 in interest accrued

• Credit Card 18 (didn't catch name) ($28) timestamp

  • 28 minimum payment

  • 70 cents in interest

• Credit Card 19 (NFL) ($1'474) timestamp

  • $39 in interest charged

  • Made $43 in purchases

  • $54 minimum payment

  • More in-app purchases

• Credit Card 20 (MGM) ($242) timestamp

  • "We went to Vegas"

  • $5 interest accrued

• Student Loans ($229'000) timestamp

  • he's in forbearance, doesn't know why, Caleb can't figure out why

  • 7.6% interest, 17'000 a year in interest if they ever start back up

  • "Yeah, I'll never pay that off"

    • "You're right"

  • "That servicing company is under investigation or something, it's in the news"

  • "Well it doesn't matter much I'll be dead before that's paid off... so I don't even consider that a debt"

• Mortgage ($122'205)

  • 3.8%

  • $1'268 monthly payment

• Synchrony Bank is where most of his cards are from timestamp

  • 

• Car

  • Doesn't have one, wife has a car, not paid for, newish because of a car accident that wrecked their old one

  • Used to have two

  • Both worked at home but he got laid off then when to retail

• Checking Account timestamp

  • 3'240 + 8'111 - 10'094 -> 1'259

  • Lots of eating out

  • A $100 Verizon payment here, not using the Verizon card since it's maxed out ]

  • More microtransactions

  • "That's how I pay my daughter, we give her money to help her live" timestamp

    • She's finishing up her undergrad

    • Boomer gets testy when question about this

• Wife debts itemized timestamp

  • Not even going to try writing these out, 28 different ones

$906 in interest is accruing a month (not counting Student Loans)

Should he consider bankruptcy? timestamp

• Total $379'000 ($122k of that is the mortgage), includes the student loans

Income/Spending Pie Chart timestamp

Lol he was renting out rooms. This is like the perfect outrage producing news story. This is a Rosa Parks moment people.

$30 for a hot dog is insane pic.twitter.com/CzX53csz1S

— Clown World ™ 🤡 (@ClownWorld_) April 23, 2024

It's Harry potter dollars tho

My local NY hot dog is like 14-18 euro without a drink.

So he should just get a job

A couple of other details:

• $320 a month for cigs and booze

• $200 for "fitness"

• $150 phone

• $100 eating out

• $80 App purchases

• No car so he ubers sometimes.

• 2 Big dogs

How was he even approved for this rental lol that's crazy.

Let's say the ticket on my car said if was for sale for 22k

I put a 12k down payment on it.

Walked out with a 72 mo loan and 330.00 car payment. (That includes a 72mo warranty)

2 weeks later I get the title and in the same envelope is a paper that says the purchase price was 32k.

I'm so lost someone help me.

Does that mean I actually bought a 32,000.00 2021 honda civic with 0 bells 0 whistles???

Isaac, Houston, TX

Career:

• 2022 - working as Sales Rep at a Tile store, making 3-4k a month while going to school full time

  • Left job to focus on classes because he was having issues

• Doing UberEats/Doordash, also getting money from his father

  • "If I need some I'll ask and he might send it"

  • He stopped doing the gig stuff because he injured his knee timestamp

    • Can't do regular Uber because his car does not qualify

    • Has a 2012 Corolla - later clarifies that it's above the miles limit

    • "My knee hurts when I drive"

      • He drove 3 hours over to Caleb, driving 3 hours back later.

      • Something to his meniscus

• Costco opening nextdoor - planning on getting a job there

• Was a Solar Salesman at the beginning of this semester but the company closed down?

Education:

• Studying Biotech (undergrad)

• 4th year but with credits he is a junior, will be finishing in 5 years

  • Had some issues during COVID, didn't pass a lot of classes - trying to make up for that now

• 2.0 GPA overall

  • "Yeah I just got to 2.0 last semester" timestamp

• "Yeah I passed one class... in COVID" timestamp

• Failed Intro to Biotechnology class timestamp

  • "I was passing that class up until the final"

  • Failed "Fundamentals of Chemistry"

• "Why'd you pick this major" timestamp

  • He thought it sounded interesting

  • "So what's your career path"

    • "What do you mean my career path?"

• "A 2.0 is good though" timestamp

• He's taking 26 credits this semester

  • "You can't do that"

    • "Can't do that at one college"

  • "I've learned a few new techniques this semester so I'm dialed in" timestamp

    • 'Like what?"

      • "ummmmm"

    • He's just taking adderall l timestamp

• Payments to "StudyPool" timestamp

  • Website where you "get help" on your assignments

  • "I would never cheat" - this site is definitely cheating

  • Looks like it's a per assignment basis - lots of these

  • $360 last month (allegedly splits with his friend)

• NBS Facts timestamp

  • $30 payment, he says he doesn't know what that is

Finances

• Put his all tuition on his credit cards timestamp

  • An Apple card specifically

  • "I haven't missed a payment"

• Spending a lot on eating out/misc bullshit

• Self-rated a 5/10 in finances timestamp

• Credit Card 1 ($14'715) timestamp

  • $548 minimum payment

• Should he consolidate his debt timestamp

  • If he could actually control himself yes

• Missed payment timestamp

  • He says he doesn't have any but there's $40 in late fees - he paid it a day late but confused this with the concept of a missed payment

• Reasoning for putting tuition on the CC timestamp

  • thought his dad would help pay it off

  • Dad had purchased a house but needed help with the down-payment - $15'000

    • Father is letting him live there rent free and considers this repayment? Not sure if I followed this right

• Coinbase and Robinhood timestamp

  • Invested in crypto?

  • Coinbase - $3'666 in 2021, down to $60 today

  • Robinhood - $6'006, down to $6?

Miscellaneous

• Oracle ad placement

• There's some sort of on-boarding video now timestamp

  • He didn't bother watching it

• Girlfriend gets time to talk timestamp

  • Didn't know how much debt he's in

  • "I think he's nervous he's not usually like this"

  • "He gets defensive when we argue so I think that's what he was doing with you"

  • Thinking about marrying him, wouldn't until he's out of debt

  • Guy's dad doesn't actually give him that much money

• Guy applied to show through Insta

So this is a complete compilation of all of LPG's posts on the /o/ board. He was a used car salesman and had countless examples of the most mind boggling financial self destruction. Tale after tale of poors deciding that yes, 29% apr on a car loan is perfectly fine if it means not having to be seen in a hyundai anymore.

This collection of stories is the perfect distillation of peakpoors, and I hope you all enjoy

Exposure to poor people reduces support for redistribution among the rich. https://t.co/axsjAmLMuL pic.twitter.com/4Y37ck7gSf

— Rolf Degen (@DegenRolf) April 19, 2024