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

The IRS played in everybody’s face this year. You either owed or got a small amount back. Either way, most of us were all cheated.

— BLH (@_RareDefined) April 15, 2024

Avery, 26, Austin, TX

Career:

• 44k at some car company "building cars"

  • paid hourly, thinks it's fairly stable 40 hours a week - 10 hours a day 4 days a week, sometimes 11 or 12

Personal Life:

• Wasn't her first choice to move to Austin, she moved here because her friend already works at the car company

• 800ish rent

• Most of this section got lumped into financials

Financials:

• Checking Account

  • Overdrafts

• "I live above my means"

• Credit Card 1 ($369) timestamp

  • Paid $45 on it

  • Made $116 in purchases

  • $10 in interest added

  • She tries to explain why she hasn't paid if off - she divides her payments between her paychecks???

    • Mentions at least 5 other credit cards

• Credit Card 2 ($450) timestamp

  • Disney Rewards Card

  • Minimum payment $40

  • because she used to go to Disney but hasn't for a very long time

  • Sally Beauty $50 purchase "on a whim"

  • Also some eating out

• Credit Card 3 (2051) timestamp

  • $73 minimum payment

  • $53 interest charged

  • $30 in new purchases

    • "I needed an outfit for a concert"

    • Actually she went to Taco Bell and a Boba Tea place

  • "I'm still making my payments, that's all that matters"

  • Mentions that she will be going to see a couple more concerts. 21 Pilots and a band whose name I can't make out

  • Claims the food purchases are justified

  • Some weird explanation about how she couldn't use her card to get a protein bar and water so she went to get taco bell instead? (I assume she means the vendor didn't have a card reader?)

• Credit Card 4 ($492) (Walmart) timestamp

  • 28 minimum monthly payment

  • No new purchases on this one?

  • She usually uses it but didn't this time?

• Credit Card 5 ($5'004) (Discover) timestamp

  • She bought a computer on there?

  • Minimum payment $125

  • Interest $104

  • She doesn't really understand how interest works and has been trying to pay slightly more than minimum on all her debts? timestamp

• Credit Card 6 ($136) (Hot Topic) timestamp

  • There's a $3 fee on it? "What do you mean fee"

  • $30 minimum monthly payment

• Student Loans timestamp

  • Something about her mother taking out student loans too on her behalf and she's paying for those as well? I didn't really understand this one

    • her mom's loan is on deferment but she's still paying it while on deferment (she really doesn't understand how interest rates work)

    • Later clarified that her mother used her brother's credit to take these loans out? He knew and approved it

  • Some talk about family situation, nothing super interesting she mentions that she likes to give expensive gifts, sees that as a need not a want

  • Didn't catch how much she's paying off for the mother but she herself has $5'162

    • Was paying it off while in school - went to school for theater, got degree

  • Going to go back to school for "advanced manufacturing" - her job is covering it? Community college (ACC)

• Caleb stimming timestamp

• "So what do you do when you are low on money on your checking account but only have your credit card to survive?" timestamp

• Car (Toyota Camry) (31'972 balance) timestamp

  • $650 monthly payment

  • Storytime - weird ex-boyfriend story

  • Purchased March 2023

  • 6 year agreement

  • She thinks a 9% interest

  • Scratched on the side, damage to the windshield

    • Heat damage on the windshield? Apparently you want to roll windows down when it's very hot?

  • valued at maybe 21'000

• Income 3617 timestamp

  • "I've never really checked my finances to be honest with you"

• Checking Account timestamp

  • Highlights a nintendo charge, some eating out, google play, playstation network

  • 5 overdraft charges in a row

  • She Klarna'd some tickets and a $100 Back to The Future Lego set

• Other people borrow money from her??? timestamp

  • Her mother borrows money from her sometimes about $100? Not every month? Just rarely???

  • She overdrafts

  • "That's only once"

    • "No"

• Funny drama confrontation about her future in society timestamp

• Confrontation over phone finances timestamp

Finances Pie Chart timestamp

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.

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