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These appear to be dropshipped from AliExpress https://www.aliexpress.us/item/3256806542021187.html
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Nathan, 26, Austin TX
Personal:
Wearing a $600 watch timestamp
- Claims he got it on sale 20% off
"It was a Christmas gift for myself"
"It's a nice watch, I wanna get another one I just don't have the funds to do so right now. But as soon as I do I'm gonna get one" timestamp
"Did you graduate high school?" timestamp
- "Yeah, it was hard though" "Numbers and stuff, the start to look funny after a while"
"You bought yourself a watch and you said you'd do it again" timestamp
- "Well I bought myself some - uh nevermind"
Career:
"I sell cars" "Gross" timestamp
"My customers love me"
"I don't just care about my commission checks, I care about people"
New car place for 2 months
first month between two and three thousand
Attempt to figure out just how much he makes timestamp
"They take it back when I get my commission check"
"It's hard to say just what I make... I don't pay attention to it"
Was making 7 or 8 thousand dollars a month at his old car place
Thinks he will need 4 months to ramp back up to this
Had gotten a promotion at his old place but didn't like it as much as he thought it would be
"Well there's also the 1099 income from the manufacturer.... I didn't report that so I guess it could be something extra" timestamp
- "I didn't have the money to pay the taxes on it, I spent it all"
Not setting money aside for taxes?
Checks his March income later timestamp
- 9'000 before taxes and minimum wage removal, around 6'000 after all that is taken out
Finances:
He has two phones because he wanted two phone numbers
"[The debt]'s not 'new new' it's been there, it just got worse" timestam
Credit Card 1 (Revy) (302,32) timestamp
205 amount past due, "I had to pay my rent so I couldn't pay the card"
4 months of missed payments, what a king. Frick that card.
Credit Card 2 (CreditOne) ($500/$500) timestamp
Got this one after the repo - only card that would "help him out"
He thinks this one is closed but not sent to collections yet
Credit Card 3 (Also CreditOne) [timestamp](https://youtube.com/watch?v=EdQqpTHnzlQ%26t%3D12860
Card 3 (738)
- $125 past due - 2 payments
Credit Card 3 (Also CreditOne) (1500/1200) timestamp
- $268 past due (3 payments)
Credit Card 4 timestamp
He paid this off "It's on automatic payments"
"I didn't catch it in time, if I'd a caught then that one would not be on autopay"
Credit Card 5 timestamp
- $1 of credit free
Rent $2250 a month
Rents a townhouse timestamp
Two bed, two bath, attached two car
Signed lease last year, just resigned in February
Car got repoed "that was in the past" timestamp
- 4 years ago "That wasn't my fault though, that was somebody else that did that"
"My plan is to make more money"
CashApp Payments timestamp
Car (14'000) [timestamp](https://youtube.com/watch?v=EdQqpTHnzlQ%26t%3D1557
Paid the car bill late, ate a $20 late fee
Caleb seethes over a 2015 Chrysler 200 for some reason
"It was a steal"
dealership advertised a price but then charged him a higher price
Got it in 2020
24% interest rate, got this car soon after his other was repoed
Doesn't drive this around?
Doesn't drive it around because he got a new car, he's trying to sell and find someone gullible to take over the payments timestamp
"So you're going to prey on people"
- "Nah I'm helpin help them out, it's like a quid pro quo"
Has hail damage. There's some weird insurance thing timestamp
Owes 14'000 on this $8'000 car timestamp
- "So that's not super terrible"
Car 2 (28'700) timestamp
Mercedes, this is the one he drives around
$650 minimum payment
18% interest rate
"It's in really good condition"
Car 3 (13'700) timestamp
This was the one that got repoed
Nissan
Was in a relationship for 3-4 years, he bought a car for her mother, the mother made payments on it for 6 months but when the relationship ended and she stopped paying on it
Energy Bill from 2023 that he didn't pay
From his old place probably, he didn't know about it
$600 bill
"You paid for your credit report and you never went through it once?!" timestamp
- "No"
Personal Loan
- Mentioned and then forgotten about?
Checking Account (-$50) timestmap
Lots of eating out lmao
He's subbed to near a dozen streaming services
- "I be watchin shows"
Credit Score 567 timestamp
- "It was worse but I've put in work"
Finances Pie Chart timestamp
Attempts to form a budgeting plan timestamp
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OP rudely deleted her thread, but it shows up in pullpush here: https://undelete.pullpush.io/r/MoneyDiariesACTIVE/comments/1c0tynd/in_the_red_on_150k_a_year_help_me_get_my_head_out/
Her "partner" (male) quit their job in November so now they're trying to survive on $150k a year (and failing). OP is too long to post but interesting line items:
rent 2,500
storage unit 108
Renting a two bedroom and still needing a storage unit
cellphones 148 2 lines. Will go down to 100 when phones are paid off in a few months. I don't have a line for my Apple Watch or iPad so there's that at least lol
Financing cell phones and still getting completely screwed on the phone lines.
daycare 1,980 This is very cheap for the area! Stopping this to have partner watch baby is an option, but we'd lose our slot and have to scramble when he finds a job
The daycare grift strikes again
car 400 Car is paid off but somehow still expensive. Gas, tolls (family out of state), parking, registration, etc. I drive to the office
donations 783 Not a religious thing. Just us trying to do some good. Open to questions/suggestions
travel 500
gifts 250
If my math is right that puts me at -$1631 a month.
To be fair, I'm guessing the travel and gifts are some kind of "we're planning on spending this the whole year" and not actually spending that each month. Still, nearly 6 months in and no changes at all.
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This guy is proof that not everyone is cut out to be a landlord and why it's one of the hardest jobs out there
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Call Child protective services pic.twitter.com/t0abLhgBFi
— Clown World ™ 🤡 (@ClownWorld_) April 9, 2024
Waffles, syrup with tons of sugar, eggs, more sugar, cheese, more sugar, ketchup. Only Everclear is missing for kids to have a fantastic day with that meal.
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Slackernews drama: https://news.ycombinator.com/item?id=39969633
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Zoe 32, San Antonio TX
Reddit thread - https://old.reddit.com/r/CalebHammer/comments/1bwjhrx/published_on_youtube_trailer_trash_woman_stealing/?sort=controversial
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
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Car payments of regular Americans are close to the per capita GDP of China. pic.twitter.com/CEQd0BNiDA
— Richard Hanania (@RichardHanania) March 30, 2024
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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
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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
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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
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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