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

Sorry for the lack of updates. I know each and every one of you have waiting for the next episode of the saga. It consumes your every thought. It's the first thing you think of when you wake up. Let's get to it!

Recap: Phillip Schofield was a presenter on British television. He had spent his whole life in media, and most notably hosted This Morning with HOLLY WILLOUGHBY.

Phillip Schofield came out as gay a few years ago, and he left behind his wife of several decades and his two daughters. Brave! Recently, Schofield admitted he had an inappropriate relationship with a young man on ITV. He had also gotten this man a job. Though Schofield insists that the sexual stuff only happened when the boy was of age, there is evidence that they knew each other since he was 10. This has given rise to rumors that even if it was legal, there was some grooming involved.

LATEST EVENTS

1. AUBERGINEGATE

Lets begin with Auberginegate. Journ*lists hounded the head of ITV for comments on the Schofield saga which has gripped the world. The response? "Do you like Aubergine?" For Yankees, aubergine is eggplant AKA the PEEPEE EMOJI. What did he mean by this? Is it code for something? Trolling? Who the frick knows!

The response got the attention of British parliament.

2. WHAT DID THE HEADS OF ITV KNOW?

The heads of ITV were grilled by MPs in parliament. This is an event that will dictate the future of our species. It will affect Holly Willoughby's career!

During the meeting, ITV chief executive Dame Carolyn McCall told MPs the affair was "deeply inappropriate", but that she had not had evidence until recently. ITV director of television Kevin Lygo told the MPs: "He looked me in the eye and promised me that there was absolutely no truth whatsoever in this, in the rumours of this relationship."

>Dame Carolyn added: "We asked multiple times of both individuals, both formally and informally. Because we had no evidence, no-one brought us anything tangible, either on the production floor or from the outside... there was only hearsay and rumour and speculation."

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>"We want to be confident that ITV is not letting star power and favouritism damage the lives and careers of people working there - and, more importantly than that, we want to be confident that when mistakes have been made, ITV will be making changes rather than making jokes about aubergines."

>That was a reference to a recent remark made by This Morning editor Martin Frizell when he was asked by a Sky News reporter whether his programme had a toxic workplace. "I'll tell you what's toxic and I've always found it toxic. Aubergine," he replied.

https://www.bbc.com/news/entertainment-arts-65889240

3. HOLLY WILLOUGHBY SURVIVES SCHOFIELD DRAMA

Holly has returned to her rightful throne as the queen of daytime British television. Unemployed brits on benefits, stay-at-home mums, and folks waiting in dentist offices can once again rest assured that Holly Willoughby will be on that screen goddammit.

While she has returned, it is just not the same. Without Pip beside her, there aren't as many cute giggles from her. She has had a few co-hosts, but it seems Dermon is destined to be Phillip's replacement.

Will schofield off himself? Will ITV survive this scandal? What the frick was the aubergine comment about? What about Holly?! Stay tuned for more updates. Please like, share, and subscribe, and don't forget to hit that bell icon to be alerted as soon as a new video drops. Patreon and link for merch in the comments below. Peace.

It reminds me of Howard Stern’s question to me. ‘Tell me, governor, what happens to us when we die?’ I said, ‘Nothing. You’re 6 feet under. Anyone that tells you something else is a f—ing liar.’

I said, ‘We don’t know what happens with the soul and all this spiritual stuff that I’m not an expert in, but I know that the body as we see each other now, we will never see each other again like that.

*snip

The former California Gov. said he had lost about 15 friends from back in his bodybuilding days in the last two decades and the tragic reality of our finite time on earth forced him to shift his perspective on the possibility of an afterlife.

“When people talk about, ‘I will see them again in heaven,’ it sounds so good, but the reality is that we won’t see each other again after we’re gone. That’s the sad part. I know people feel comfortable with death, but I don’t,'” he said.

Do note that Arnie never said anything about Jesus or Christians, he just said he doesn't believe in heaven.

Choice comments:

FOOL!! You "seek the guidance of a higher power" BUT REFUSE to BELIEVE IN THE SCRIPTURES!!! WHO MADE the HUMAN BODY? You were an "accident"? The brain? All an accident? The eye?? All an accident? The right amount of oxygen for humans to breathe in the atmosphere? All an accident?? Earth rotates around sun at best distance from it. All an accident?? Where is the person with 3 eyes or 2 noses or ears in front, if evolution is random?????? Does not exist!!!!! GET YOUR HEAD ON STRAIGHT.

You're at Judgement Day and there's Pelosi, kneeling at the left-hand side of the Lorde, whispering in his ear.

You ok?

How is spending eternity with your relatives you couldn't stand to be around on Thanksgiving Heaven? rofl. Think about it. Or praising Jesus for a zillion years every day? yeah real fun.

you've never been truly loved, have you? but you can have that experience with your Creator. It is up to you though

Could you please work out your daddy issues in private, peepeey? Could you please stop taking out your hatred for him on God? Thanks.

If you bothered to read more, you'd know that is simply not a fact. Though believe what you want! :) The only people stopping you are the nutjob Lefties, Woketards, and Communists. (uh...btw...I'm a staunch Conservative...and I don't believe there is a god)

You may have some conservative views, but you are not a conservative. You just displayed the fact you have nothing to conserve, Cheung. And there are at LEAST twelve historical figures who wrote about Jesus' life and work. Were they ALL lying, and YOU are the one telling the truth? Not ONE honest historian still denies the historicity of Jesus of Nazareth, knucklehead. There is simply too much evidence to deny that.

Also the Bible has predicted perfectly what has taken shape here in America and around the world on text that are over 2,000 years old.

It must have been such a miserable life for Arnold pretending to be a Republican while living like a Democrat. Democrats bring you misery.

While he lives there still remains hope for him.

Living a full life, experiences and faith have displayed to me there is a God, there is life after death and eternity in either Heaven or Heck. Choose wisely because there is no do-overs

Perhaps you should choose better. You follow a false god. I wouldn't want to be in your shoes when you stand before the gods. Why take the chance? Because wow if you are wrong you will be tormented by the gods for all eternity.

>being a LARPagan

The closest I can come to believing in heck is listening to a democrat.

"There is no afterlife and “anyone that tells you something else is a f—ing liar.” You know who else said this? HITLER!

and billions of others with shedloads of common sense

So Hitler has common sense, just like you?

And now we see him for the proud elitist socialist he really is. They believe in nothing and neither should anyone else. Hope doesn't exist, now shut up and suffer, peasants.

New Snappy quote dropped.

The saddest words that will be heard (over and over again) on Judgement Day: “But Lord, I THOUGHT…” They “thought.” They “thought” God didn’t exist, nor Heaven, nor Heck. They “thought” that things that their conscience clearly told them were wrong, were right. They “thought” that science had all of the answers. They “thought” they could be their own god…

Next: Arnold declares himself to be God. Because, to be able to assert 100% certainty that there is no Heaven, no Heck, and no God, you would have to be, well… God. Think about it for a moment…

"Donald Trump on Wednesday proudly quoted a messenger who said he was “the second coming of God,” and he described himself as “the chosen one,” looking up at the sky."

Anything the WP says, I automatically take with a grain of salt, given their track record for CIA inspired BS. Anyway, IF he said it , he’s wrong too. The job of Supreme Deity is already filled, and He can’t be fired from the position…

There's a video of him saying it on that link I gave. Nice quote about the Deity!

He’s also known to say things like that to troll the media that he knows hates him. The same way rockstars say completely outlandish things sometimes, when they’re messing with or annoyed by an interviewer…

Drumpf is the AntiChrist.

i hope thats true, i can be happy never seeing or hearing from you forever. why cant you start now arnold and do us all a favor.

wow. you want this man to not exist because you disagree with him on some trivial issue? wow

Since when did Herr Muscle Brain fashion himself a philosopher and theologian?

and when he is in heck just 1 second begging for a drop of water it will be too late eternity is for ever.

Yes & AMEN

any proof of claim you idiot ?

TURN or BURN

I got a good chuckle out of that exchange

Funny though how they worship lucifer who was created by GOD! But there's nothing after

He is free to believe what he likes, he will get dose of reality when he dies, just like every other naysayer that has ever lived

Sorry, “belief” is not evidence.

talk to people that deal with the dying and the dead... they'll give you plenty of evidence.

No such evidence exists. Try again.

the fact you only choose to listen to those you already agree with is the height of ignorance. talking to someone who has experienced something so earth shattering as to change absolutely everything about themselves overnight is more than just evidence... it's proof, imo. takes months to years to brainwash someone into believing something... now explain how one experience can change a person instantly... I'll wait

Sorry, it’s your claim that evidence come from the “dead and dying” and “…he will get a dose of reality when he dies.” The burden of proof is on your shoulders to support your claim with verifiable, independent, objective evidence. Otherwise, you’re just deceived by your own confirmation bias. I can wait.

I see you're a typical lefty dingleberry that lies to make their case... care to not lie, and try again, becky?

needs to move to a deserted island with Greata A life ill spent, he is hoping for oblivion.

Imagine the conversations between those two. Makes my skin crawl. Arnie: I’m here to pump you up. Greta: How dare you?!?

Boomer humor

Arnold is a product of commie hollywood so no one would expect him to believe in The Lord, Jesus Christ, GOD. Arnold's actions during his life show that he is a dark path kind of guy.

He doesn't know but he knows? Arnold is confused, he might have the Biden Flu.

The bible is a fantasy book and certainly teaches you some positive emotions and thoughts but thats about it. Its like a bed time book story.

Boy are you going to be surprised. I applaud your bravery. God will not be mocked.

Arnold Schwarzenegger..........FAILED TO HIDE HIS NAZI OVERTONES!!!

He’s correct. Define death please. I’m waiting…

You define death since you believe there is no afterlife. I’m waiting…

Nobody knows with certainty and anybody claiming they know the truth is a fool. For all we know there can be some third option nobody ever mentioned that happens

World-renowned theologian Justin has spoken. And the kid has decided once and for all that we can't know. We should just give up. With that amount of certainty in his uncertainty, who are WE to disagree???

Oblivion awaits us all..Deal with it!

Only if your a democrat!

The rest of the comments are just fundie that boil down to "Say Christ is king right now!" or "If God isn't real then how come my church says otherwise?"

Duncan 26, San Antonio TX

$57'303 total debt

$880 minimum monthly payments, 41% of his current income

At least $400 interest accruing each month ignoring student loans and stuff in collections

First truly mentally ill person on the show, he weirds me out a little but I might be just paranoid. I don't trust people who cry on camera. I've timestamped some of the oddness, not in chronological order

Self-rated 3/10 financially

Has been watching Caleb for "a couple months" hasn't started budgeting

• cries from stress of his situation? Tries to explain his failures in past attempts to budget timestamp

Diagnosed with "Bipolar II Disorder" plus some backstory, only recently got meds

• timestamp

Career:

• Delivery for Tiff's Treats and somtimes on-duty manager on weekends, does Grubhub/Doordash on the side

• "I got deactivated from Grubhub for some reason" timestamp

• Drives company car so his gas payments aren't bad

• Currently making $23 an hour and $18 as the stand-in manager

• hours cut, losing insurance in July (sales down year after year)

• nervous laughter here timestamp

• financially struggling

• only 6 stores in his district

Personal Life:

• Lost his last credt for film grad because Covid and classes/grades fell apart afterwards near beginning of covid?

• timestamp

• Was taking classes last semester? timestamp

• Not this semester though so Student Loans are active now

• Sudden jump from verge of tears to recitation of the canned youtube comment line about finance needing to be taught in high school timestamp

• "I think that's a big detriment to the American education system, nobody gets taught finances, ever"

• Wants to go back to school for a business degree but can't because of his current situation

Savings/Expenses:

• Nothing in retirement

• USAA checking

• Monthly balance $225 -> 281

• Spent money on Uber Eats, overly self-deprecating statement to dodge timestamp

• Same dodge trips to coffee shop/donuts/general eating out timestamp

• Shared checking with him and his girlfriend

• Pays to do gig work? Not sure if I understood that right

• $766 last month just on fast food/eating out (36% of income)

• Swipe savings

• $7 -> $161.85

• $224 car insurance payment since he got into an accident uninsured

Debt:

• Says he has a terrible credit score (551)

• Was at 630 3 months ago

• Found a credit repair company he's been thinking of reaching out to

• Student loans (paying interest only) Variable Interest Rates

• $13'316 14% interest

• 10% interest

• 10% interest

• Car Max Loan

• $16'584 remaining, 421 minimum monthly payment (he's got another 400 past due with a 21 late fee)

• 10.45 interest rate

• "All three of the credit cards I emailed you are in collections" timestamp

• USAA credit card

• Some old Visa

• Coles Card

• Owes $63.23 on "Afterpay"

• Also on Paypal, Affirm and Klarna "I made a series of really really bad decisions"

  • Affirm is 1k

• "And it's just this stupid stupid anxiety of not knowing what I'm gonna have left" timestamp

• Personal Loan

• took it out a year ago because he was "freaking out about money" at the time

• 1'400 balance

• Personal Loan

• $986 "one of those finance app where you pay a certain amount and you get the rest of the loan back"

• Not paying this one?

• Owes Grandpa $4'500

• "terrible situation"

• First car he bought died, grandpa co-signed for a new car

  • got t-boned and did not have insurance

• Has had 2 cars get totaled while on job?

• $10 monthly payments, it's informal

Dave Lease. I got this image from some psycho Russian on twitter calling him a p-do because he talked about how the Russians always cheat.

There's three kinds of people who watch figure skating: catty women, catty gays, and me. Dave Lease is in the second category. He has a Youtube channel The Skating Lesson where he discusses the sport and interviews top figure skaters. The easily-butthurt redditors of /r/figureskating are not thrilled with him lately and made a seethepost about it. He's being denounced for:

• Alleged bias against certain skaters like Bradie Tennell.

• Alleged bias against the Russians.

• Making too many catty comments about womens' appearance.

• Wanting attention too much. (I'm sure none of us would do that.)

• Generally being an annoying butthole.

• Making a joke about how US Figure Skating should force ice dancer Alexa Knierim to have a surrogate deliver her baby so that she can keep skating.

Alleged under-rotater Bradie Tennell.

Some highlights:

There are plenty of even keeled journ*lists like those from NBC, Jackie Wong, etc, but they tend to not provide commentary on the dark side of the sport.

His comments about Tanith [White] really pissed me off. He despises Charlie [White] and thinks Tanith is not in “glam” because she wants to make sure Charlie is in the spotlight. Tanith is gorgeous.

Allegedly not-glam Tanith.

I do think he is trying to be funny/sarcastic, but his comments are misogynistic. He is ALWAYS commenting on women’s looks.

He's not just borderline racist. He's been explicitly racist for the past decade+. He started toning it down when it became less in vogue culturally but he says lots of coded stuff and is privately still racist all the time

This guy sounds like rdrama material.

...an American progressive is like right winger where I’m from...

I hate eurotrash redditors more than you'll ever know.

Alexa has been known to call out Dave if she dislikes something he says about her (which he’s been doing for 10 years now). They’re friends and I feel like you’re projecting some Nonsense. It’s a joke. How do you people operate in the real world?

Reddit makes a lot more sense when you realize most of the users don't actually operate in the real world.

Aside from the chip on his shoulder about Bradie, Charlie White, and the pairs in general, I was also super skeeved out by his repeated comments about how USFS shouldn't "let" Alexa retire/she should get a surrogate and keep competing. Incredibly gross and inappropriate to be talking about someone's reproductive choices like that, especially these days.

Nooooooo it's the #MeToo era so gay men can't be allowed to make jokes anymore.

Chris and Alexa Knierim, who should get Dave Lease's permission before having a baby.

It’s hysterical that people think Dave LITERALLY meant that the USFS should pay for a surrogate. FFS, can people not joke anymore?

Sorry, but right now is the Autism Awareness decade.

His comments about USFS "getting" Alexa a surrogate and his comments on why USFS "allowed" teams to retire were beyond unhinged and creepy, as truly does not view the skaters as actual humans, it's all entertainment for him.

Beniot is a little eccentric, but we have not had any claims of him being inappropriate with skaters. Dave just wants to stir up drama.

Ice skating has always been a moneyed bougie sport.

Oh Jesus Fricking Christ, can we have one reddit thread without tankie zoomers?

The redditors get so salty that one even takes on OP for making a joke in his post:

Did he recently get dumped? Is he mad for some reason?

This post is weird just say you dont like him why the probing into his personal life.

If you've been living under a rock, then perhaps you haven't heard about the big scandal currently rocking the AFOL (Adult Fan of Lego ) Star Wars Army Building and Minifigure Collecting community. Allow me to summarize the relevant details:

See the photo of the box art below? It's for the hotly anticipated Lego set #75345 501st Clone Troopers Battle Pack. But see the commander in the middle with the rangefinder? On the actual commander minifigure contained in the box the rangefinder is attached 3mm further up the helmet, in the same accessory hole that's used to clip on the other troopers' visors.

https://images.brickset.com/news/89941_501st%20Box.jpg

That's it, that's the issue. You wouldn't think 3mm would be a problem, but this hobby combines collecting, model-building, battlefield dioramas, , and children's toys, so it reaches levels of autism that theoretically shouldn't be possible (don't ask how I know about it ). And in the actual films, the rangefinder is lower down like in this computer-rendered box art, so people

Thus the Lego Group was forced to issue the following statement:

"Creating new sets involves a number of different teams working together in parallel, and unfortunately in this case the printed box art for 75345 features a computer render of a Phase 2 Clone Trooper helmet that doesn’t reflect the final finished physical element and positioning of the range finder on the figure.

"In the final design of the physical helmet element, the visor dictates where holes for extra attachments need to be placed for them to sit. This is slightly higher than the position where the range finder is on the render found on the 75345 box."

How does the community react? Not Impressed:

I see most comments down here are about how "people care too much about such an insignificant matter", or how others simply don't care.

As quite a hardcore Lego Star wars collector, I will say that the rangefinder placement on the helmet bothers a lot of fans, myself included. The final product looks wrong. However, I wouldn't let it detract from the set. Doesn't mean I justify it though, and a new mould for the visor along with a new visor piece to accompany it would have been ideal. After all, the rangefinder/visor attachments we have nowadays originate from about 2008 and I think it's due for an update.

Sneeding ensues:

Never ceases to amaze me, how adult men can get angry by inaccuracies in Star Wars / Marvel children's toys compared to source material.

Bold of the above to assume everyone's gender.

What is this even all about? Is it about that little blue thing that seeemd to have moved up a few millimeters? If so...........wow, some people desperately need to get a life.

Common Sense prevails:

I have a simple message to anyone who actually cares about this.

IT IS A TOY GET OVER IT.

CAAAAAPS! Some people propose solutions:

They could do a mail in scheme where you can mail in your empty incorrect art box and they send you an empty one with corrected art. And they could do a recall and pulp all the unsold boxes, then rebox the parts in boxes with new box art. Or they could get retailers to put a nice big price or advertising sticker over the offending mistake.

Or we could ignore it.

On the Brighter Side:

At least it gave the Star Wars fans something to complain about on the internet, which seems to be the preferred pastime of Star Wars fans.

Finding the real issue with the art:

I'm more upset that my assembled rifle doesn't shoot lasers out of it like in the box art.

But inevitably discussion regresses to the current meta-theme of the AFOL community: price:

People criticizing the box art, when the price is the bigger issue of the set .

I left out the effortposts, of which there were a few, so feel free to dive in. If someone wants to stir up drama on a future post like this, create an account and comment with something like "You don't see these issues with Megablox", or "Might as well buy Lepin". The only thing that would upset AFOLs more is using 'Lego' as a noun (but I'm pretty sure that's against Brickset site rules).

Thanks for reading, I hope you laughed as much as I did. plz send DC so I can re-purchase /h/dankchristianmemes kthx

Some of this might be wrong, but I think I got most of the interesting points. Dude's dug himself a pit and there's not going to be any good way out of it, I think. It's split up based on the timestamps in his description

00:00 Does he even know how much money he makes?

• Weird stuff at the beginning where he doesn't want to show his eyes, location or age.

• Works at a tesla factory

• Financial situation is "pretty wonky"

06:11 Tax fraud?

• Left last job because he didn't want to get vaxxed

• Didn't waste money paying taxes on the interim job

08:49 Weird expenses?

• Two credit cards

• $358 in road tolls, includes late fees? He stalled them to the point of being threatened with court?

10:11 You have NO MONEY!!!

• $3049 in, $5000 out

• "I've been... you could say... investing"

• "I used to budget" "I've maxed all my credit cards" "I used to have thousands money in my savings. All those thousands absolutely gone." "I had to close my savings, in fact I didn't close it myself, the bank just completely deleted it."

11:43 Rent is 60% of his income

• "Undisciplinary actions on a mutual basis when it comes to sharing rent, for sure"

  • His former roommate (family member, brother) ditched him and left him with the lease

• Back and forth about whether the roommate is in fact fricking him over by leaving him with the rent bill

  • The answer seems to be a Yes but apparently it's consensual

• Lease ends in a few months

17:53 You have NO MONEY!!! p2

19:53 Going massively into debt for a dream

• Big money spent on audio equipment, paying in installments

• Learning audio engineering

• Just finished paying off a second(?) $1200 subwoofer

• Splurged a little on audio software plugins

• "I've had chances to make money but I did not at the time receive money"

  • He refused payment because he wasn't satisfied with the quality of his own product

• Believes he will make a thousandfold return on investment

  • Has sunk at least 20k into this

26:33 150% utilization on credit cards!!!!

31:54 DebtCHAOS

• One is over $5400 and the other is $2697

• $1700 over his credit limit, they're still letting him purchase on it

  • $129 interest on that in November? Not sure I heard this right

• "Once I learned I could [spend over the credit card limit] it kinda just set this mentality that I could just do it and then pay it off"

• $6 under the credit limit on the other one

• Got declined on a $1 purchase

• 0% interest until early spring on Credit Card 2

• Been recently building up hardware collection, started out on software but moved onto hardware

34:00 Hidden car debt....

• Car loan

  • More than 60% paid off

  • 4% rate

  • Cosign on the initial purchase, refinanced under his own

  • 2018 Chevy

35:31 Do you even have a financial future at this point?

29:50 Are you willing to sacrifice at all?!

• Mostly backstory stuff

• Had some health problems during the moving job which made him quit

• Been cutting back on fast food

41:51 Clean up this MESS

44:03 Rent is 60% of his income p2

• roughly 1900 on rent on a roughly 50k income? Not certain I heard this one right

• Long defense of the brother because the brother has helped him out bigly in the past?

50:22 Broke forever...

52:35 Hammer Financial Score