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friend of mine called to borrow $1k earlier (zurich)
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Date: September 23rd, 2024 2:50 PM Author: Zippy Point this guy makes like 125k (he is a fed) and his wife is a teacher, so she must make around 90-100k at least.
they have a nice house near annapolis, nothing super fancy though. guy called me almost in tears this morning asking if he could borrow some money. he has $100 in his checking account.
he consolidated card debt so he has a 2k/mo payment for that, but they ran their cards up again. so he is fucked.
i'm sure they are blowing money on plenty of horseshit they don't need, but this tells me that inflation has really fucked people who make a decent living and a few years ago would have felt comfortable. groceries and utilities are now squeezing this dood. he's talking about having to sell his house, his wife leaving him, etc.
fucked up shit, brothers. |
Date: September 23rd, 2024 2:54 PM Author: provocative black woman psychic I make more than a lot of married couples and could never really understand how they were funding all this shit like daycare, international travel, renovations, etc. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48123762) |
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Date: September 24th, 2024 7:43 AM Author: boyish bright hall Your Income is lower than you realize. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125966) |
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Date: September 24th, 2024 8:09 PM Author: Idiotic pit (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128423) |
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Date: September 23rd, 2024 3:46 PM Author: wild confused parlour toilet seat Can’t this jew just beg the government for money like all other jews (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48123958) |
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Date: September 23rd, 2024 9:08 PM Author: Zippy Point hes a prole goy mr fix it. guy probably doesnt know what a jew even is (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125102) |
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Date: September 23rd, 2024 3:50 PM Author: Slippery Unholy Set Marketing Idea can i borrow $1k? (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48123985) |
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Date: September 23rd, 2024 3:51 PM Author: Titillating fortuitous meteor den sounds like drugs
that amount isn’t enough to solve any of his problems, but it’s enough to run from them for a while |
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Date: September 23rd, 2024 4:24 PM Author: Stirring thirsty heaven immigrant If you do it, don't expect him to pay you back. Like, at all. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48124193) |
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Date: September 23rd, 2024 4:52 PM Author: Titillating fortuitous meteor den https://youtu.be/JoQVcQUNrR8 (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48124290) |
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Date: September 23rd, 2024 9:08 PM Author: Zippy Point i sent him the money, and i dont really care if he pays me back at all. hes been a good friend of mine since high school. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125104) |
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Date: September 24th, 2024 5:59 AM Author: Titillating fortuitous meteor den you’re enabling his drug use (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125872) |
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Date: September 24th, 2024 7:49 AM Author: Zippy Point possibly, but i highly doubt it. when i was still using, he and i did a lot of coke. that said, he usually mooches it off people. he would NEVER pay very much. like we'd go to a weekend at a cabin and i'd bring three eightballs and he'd maybe throw me $100. if we were at his house cutting lines he'd say he didn't need to do any, but we'd always offer. cheap bastard.
so i dunno what he's spending his money on. chinese goods from amazon? |
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Date: September 24th, 2024 7:38 PM Author: talking crackhouse sneaky criminal does he have kids? grocery bill for a family of four is probably 1500/month. If he and his wife eat out or doordash 5-10x between the two of them add the cost of just feeding themselves is probably close to 2k a month. Mortgage is probably close to 6k a month all in. That's already one spouse's take home with just groceries and mortgage. Add in car note and misc. expenses and it's easy for your friend to be in the red. |
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Date: September 24th, 2024 7:36 PM Author: talking crackhouse sneaky criminal you're a good dood and did the right thing, hopefully, your friend can make his way out of a sps situation.
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Date: September 23rd, 2024 4:25 PM Author: Know-it-all legend if you loan money to a friend he will end up not being your friend anymore (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48124194) |
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Date: September 23rd, 2024 9:09 PM Author: Zippy Point this is $1k. i'm not loaning him a material amount of money. as far as im concerned, im not getting it back. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125105) |
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Date: September 24th, 2024 7:38 PM Author: Wonderful Fiercely-loyal Cruise Ship Yeah it's not that much, help a bro out (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128308) |
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Date: September 23rd, 2024 4:50 PM Author: swollen patrolman coldplay fan Number one, where the fuck do teachers earn $90k-$100k? Number two, this dude is just a stupid goy who wastes his money on stupid goy shit. There are plenty of families who survive on a fraction of that income. You can't pin the blame on inflation. I mean, maybe if they just had to move and buy a house at 8% that cost double what it did just a year ago. But you don't go broke on a $200k+ salary because groceries cost a little more than they did a few years ago. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48124286) |
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Date: September 23rd, 2024 5:03 PM Author: emerald sick rigor everything has tripled under biden imho (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48124333) |
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Date: September 23rd, 2024 9:10 PM Author: Zippy Point i'm pinning on inflation in the sense that he was blowing his money on prole goy shit before, but inflation has created a situation where his doing so has caused him to live beyond his means.
i guess 3 years ago he was just nearly paycheck to paycheck with his shit. |
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Date: September 24th, 2024 7:40 PM Author: talking crackhouse sneaky criminal this is probably it. Also, income hasn't gone up with col (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128315) |
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Date: September 24th, 2024 6:10 AM Author: godawful indigo weed whacker volcanic crater a lot of good school districts in the Philly suburbs pay much more than $100K (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125881) |
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Date: September 24th, 2024 6:15 AM Author: Zippy Point I talked to my wife on the phone last night (out of town in a trial this week; Darnell is staying over) and she told me the wife makes just under 90. They’re in Anne arundel county in Md. kind of a cross between a dc exurb and Baltimore far out suburb. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125887) |
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Date: September 23rd, 2024 4:52 PM Author: Jade Doctorate My rule if this ever happens is as follows.
Give them the money as a gift, making it VERY clear, in writing that they acknowledge, that (1) it's a gift and they don't have to and should not repay (2) I will not give or loan any more money every again under any circumstances and (3) they agree never to ask again. |
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Date: September 24th, 2024 8:10 PM Author: Idiotic pit (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128427) |
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Date: September 23rd, 2024 5:02 PM Author: emerald sick rigor i'm a poormo (but single) and i'm churning credit card offer bonus points just to be able to do a bit of travel (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48124331) |
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Date: September 23rd, 2024 5:12 PM Author: henna soggy spot yarmulke *beady eyes narrow* (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48124377) |
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Date: September 24th, 2024 6:27 AM Author: Sexy stage (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125899) |
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Date: September 23rd, 2024 9:22 PM Author: Stirring thirsty heaven immigrant What kind of crap is he wasting his money on? (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125144) |
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Date: September 24th, 2024 6:46 AM Author: light state background story how many kids (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125914) |
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Date: September 24th, 2024 7:43 AM Author: boyish bright hall Typical Gen Xer. They are the Poorest Gen (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125964) |
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Date: September 24th, 2024 7:45 AM Author: citrine cheese-eating brunch gay wizard Doesn't he get a huge pension after 20 years (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48125967) |
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Date: September 24th, 2024 7:50 AM Author: Zippy Point nah the federal pensions aren't that good now. i have a few friends who are feds and they cut the pension down a shitload.
their parents all retired from the fedgov with 80% of the average of their last three years of work for life. |
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Date: September 24th, 2024 8:19 AM Author: Insane arousing field California still has this deal (2% per year at 62, so 80% after 40 years). (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48126005) |
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Date: September 24th, 2024 9:07 AM Author: Zippy Point got damn.
one of my friends explained it to me recently but i forget the exact numbers, but i think it winds up being like 25% of your pay. i think their TSP match is good, although they have these sps funds. and they now get social security. the pension brehs, i believe, are ineligible for ss (i could be wrong) |
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Date: September 24th, 2024 10:03 AM Author: low-t institution toaster There's absolutely nothing wrong with the tsp funds. You can buy the market at a super low cost. Nobody working for the feds should be doing anything different. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48126220) |
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Date: September 24th, 2024 7:32 PM Author: Zippy Point actually they have an S&P fund. they should all just do that. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128272) |
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Date: September 24th, 2024 10:30 AM Author: light state background story i think feds are 1.5. and no straight white male has been hired by the feds for a gs job out of college in like 20 years. you dont get hired til like 35. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48126309) |
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Date: September 24th, 2024 11:58 AM Author: low-t institution toaster 1 or 1.1%
https://plan-your-federal-retirement.com/fers-benefit-formula/
I think law enforcement gets an extra tenth or two |
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Date: September 24th, 2024 10:01 AM Author: low-t institution toaster You get 1% per year of service iirc. So 30 years gets you 30%. Not terrible but hardly easy street. You also get social security working for the feds fwiw (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48126214) |
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Date: September 24th, 2024 12:33 PM Author: citrine cheese-eating brunch gay wizard When he said "fed" I assumed federal leo getting the 20 year package (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48126758) |
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Date: September 25th, 2024 7:54 AM Author: Zippy Point na he makes maps for NOAA. seems kinda chill. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48129567) |
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Date: September 24th, 2024 9:13 AM Author: charismatic digit ratio house (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48126104) |
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Date: September 24th, 2024 9:55 AM Author: Racy bespoke forum It’s the house. They overreached. It’s too burdensome and that’s why they have been dependent on credit cards for too long. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48126196) |
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Date: September 24th, 2024 10:25 AM Author: light state background story https://www.zillow.com/homedetails/105-Hillsmere-Ct-Annapolis-MD-21403/35995074_zpid/
this house looks pretty cool imo. obviously cant send kids to the local public schools or whatever but just teach them to read and if youre a fed you can probably get them fake high school diplomas before you ship them off to albequerque state for college so you can pay 90k for tuition. this is not legal advice |
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Date: September 24th, 2024 11:52 AM Author: Racy bespoke forum Beautiful house. But too much on, what, $200k household income right now. I don’t know when it was acquired, but if he’s paying $4k a month on mortgage, that’s half the friend’s $125k per annum monthly nut right there.
He was trying to keep up appearances (swimming pool? Really!?) rather than getting something that won’t make him cash poor every month.
Not fiscally responsible at least with these interest rates. |
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Date: September 24th, 2024 8:11 PM Author: Idiotic pit that roof is terrible (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128432) |
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Date: September 24th, 2024 7:34 PM Author: Zippy Point yea, i did think when they bought the house back in 2016 that they were overextended.
i was a BIGLOL partner at the time and i paid $550k for my house. he paid like $675k. |
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Date: September 24th, 2024 7:38 PM Author: Wonderful Fiercely-loyal Cruise Ship Just give him $1k, it's not that big a deal (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128302) |
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Date: September 24th, 2024 7:44 PM Author: talking crackhouse sneaky criminal he already did, Zurich's a good dood (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128333) |
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Date: September 24th, 2024 8:01 PM Author: Zippy Point i did. i was kinda hemming and hawing at first bc i thought he was gonna ask for like 20 grand. he just said "man i feel terrible, but i don't know anyone who has money to spare like you... anything you can help me with" and i said "how about a grand" and he said that would get him through. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128389) |
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Date: September 24th, 2024 8:03 PM Author: Slippery Unholy Set Marketing Idea i've been in this situation before. just consider it a donation in your mind. don't ask for it back. prepare yourself now for how far you're willing to go and whether any additional donations will address the root causes. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128398) |
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Date: September 24th, 2024 8:24 PM Author: Zippy Point yea i told him not to worry about paying it back soon. that wsas basically me telling him you dont have to pay me back.
btw, i bought this guy a ticket to a stones show. we were in the pit, $900 per ticket. i actually bought three tickets and we all went and got gacked to the gills out in the parking lot. |
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Date: September 24th, 2024 8:51 PM Author: Slippery Unholy Set Marketing Idea i still have 1/2 an 8ball left. come to oktoberfest this weekend and relapse (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128565) |
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Date: September 24th, 2024 8:58 PM Author: Zippy Point i gotta say, i have no desire to do drugs again, or drink. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128582) |
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Date: September 24th, 2024 8:58 PM Author: Slippery Unholy Set Marketing Idea how bout you drink my cum then big boy? (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128584) |
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Date: September 24th, 2024 9:11 PM Author: Zippy Point cr (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48128608) |
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Date: October 22nd, 2024 9:30 PM Author: ZurichSTACH UPDATE my friend texted me this morning and told me that he overdrafted his bank account again due to bills on autopay. he asked me what i knew about bankruptcy. i said not much but that i could get some recommendations for him (while partners at my firm lol to themselves that i must have money problems).
he then responded "man i really wish someone would cosign a home equity loan with me. house is worth $800k and i only owe like $360k on it, but i can't get to the money because my credit is so bad."
i just responded that he needs to talk to a bankruptcy lawyer. that was 14 hours ago, no response. |
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Date: October 22nd, 2024 9:31 PM Author: McDonald Trump (gunneratttt) any other friends ask you for $1k today? where are we at on that? (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48228757) |
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Date: October 22nd, 2024 9:32 PM Author: ZurichSTACH fuck you fatass (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48228762) |
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Date: October 23rd, 2024 12:07 AM Author: LathamTouchedMe He might have too much equity in the house to qualify for chapter 7. Homestead exemption is like 150k. (http://www.autoadmit.com/thread.php?thread_id=5600258&forum_id=2...id#48229277) |