DSP's Loan & Savings Company

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That Hedonist Nerd dijo:
Interesting how he states "tax attorney", mainly because most attorneys don't really have the knowledge needed to actually file taxes. And I don't know of one person thats a tax attorney/tax accountant together. That's... way too much work AND the skill sets and education needed do not overlap. That makes me think his just lying again. Not to mention there's almost zero reason he'd need an expensive tax attorney anyway.
I'd also like to mention that, while it's used correctly by Dave, I've never heard anyone talk about their "tax accountant", it's either a tax attorney, an accountant/CPA, or registered agent/tax preparer, etc
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I just take it as an autistic tic because his old guy was a family friend that was probably a lawyer who filed his own taxes or something and so was able to do Pig's without too much trouble. The same person he then treated like shit because Pig is an autistic low-T pussy who kept a man not used to Washington tax laws since he was a CT man. This being of course after said family friend told Dave that he should probably find another guy if you're moving out of state.

It's just more proof to me that Pigroach is autistic.
 
Adamska dijo:
I just take it as an autistic tic because his old guy was a family friend that was probably a lawyer who filed his own taxes or something and so was able to do Pig's without too much trouble. The same person he then treated like shit because Pig is an autistic low-T pussy who kept a man not used to Washington tax laws since he was a CT man. This being of course after said family friend told Dave that he should probably find another guy if you're moving out of state.

It's just more proof to me that Pigroach is autistic.
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I thought the Connecticut guy was a former economics interim professor at the college where Phil's dad was also an interim professor.

Since he knew all about economics he did Phil's taxes. This is probably why he didn't know Washington state tax laws because his job wasn't doing taxes, it was teaching economics.
 
Sparkletor 2.0 dijo:
I thought the Connecticut guy was a former economics interim professor at the college where Phil's dad was also an interim professor.

Since he knew all about economics he did Phil's taxes. This is probably why he didn't know Washington state tax laws because his job wasn't doing taxes, it was teaching economics.
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Thats.... that's something only an autistic would say. Economics is not taxation. They aren't even fucking remotely similar! Economics is the science of wealth - how the world produces widgets, consumes widgets, and how wealth moves between the 2.
I mean, there's an economical model of taxation, but that doesn't make a person even remotely understand the civil tax code.

Saying "He did Dave's taxes because he knows all about economics" is the exact same as saying "He did Dave's taxes because he knows all about ocean mammals".

Thing is, that's such a fucking weird lie, you know? Like, it's so off the wall I'm more likely to believe some economics professor did daves taxes.

Is Dave so dumb as to just bash words together that sound like they'd be related to each other, and when questioned just make up something on the fly, call idiot then lean in ban?

Oh shit. This is his MO.
 
We have some good numbers on what Phil makes every month, forever carved in great videos and yelled from the mountains.

Is there also an estimation of what he actually NEED? Minus the unecessary random luxuries and random bad spending habits, he can keep Netflix and such and the second house. I would really like to know how much additional cash he earns which is burned in the Depths of Neverseeagain.
 
Wurstbrot dijo:
We have some good numbers on what Phil makes every month, forever carved in great videos and yelled from the mountains.

Is there also an estimation of what he actually NEED? Minus the unecessary random luxuries and random bad spending habits, he can keep Netflix and such and the second house. I would really like to know how much additional cash he earns which is burned in the Depths of Neverseeagain.
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Damn near impossible, tbh. We can ballpark his mortgages (he's claimed they're roughly $1500 each), we know about what his utilities (electric + water, internet, phone) are. We can reasonably guess on things like his car payment. But the big unknown is his debt payments on his credit cards and whatever "loans" (I think they're more likely some kind of credit card advances, but that's purely speculation) he has. I don't recall exactly how I got to it, since I think it involved a ballpark attempt to estimate food costs, but I'm pretty sure I worked it out that his breakeven point each month is around $6000 for relatively fixed costs. That probably didn't include credit card payments, or if it did, it probably badly underestimated what he was actually paying.
 
actually dijo:
Damn near impossible, tbh. We can ballpark his mortgages (he's claimed they're roughly $1500 each), we know about what his utilities (electric + water, internet, phone) are. We can reasonably guess on things like his car payment. But the big unknown is his debt payments on his credit cards and whatever "loans" (I think they're more likely some kind of credit card advances, but that's purely speculation) he has. I don't recall exactly how I got to it, since I think it involved a ballpark attempt to estimate food costs, but I'm pretty sure I worked it out that his breakeven point each month is around $6000 for relatively fixed costs. That probably didn't include credit card payments, or if it did, it probably badly underestimated what he was actually paying.
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Yes I think that's about the number we pulled together awhile ago. Lots of guessing but I feel like it's close.
 
actually dijo:
Damn near impossible, tbh. We can ballpark his mortgages (he's claimed they're roughly $1500 each), we know about what his utilities (electric + water, internet, phone) are. We can reasonably guess on things like his car payment. But the big unknown is his debt payments on his credit cards and whatever "loans" (I think they're more likely some kind of credit card advances, but that's purely speculation) he has. I don't recall exactly how I got to it, since I think it involved a ballpark attempt to estimate food costs, but I'm pretty sure I worked it out that his breakeven point each month is around $6000 for relatively fixed costs. That probably didn't include credit card payments, or if it did, it probably badly underestimated what he was actually paying.
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I think Dave's spending is like a cup. Whatever he brings in, he'll find a cup that he can fill up. In other words, he's feast or famine - splurging on the good months, begging on the bad.
 
That Hedonist Nerd dijo:
I think Dave's spending is like a cup. Whatever he brings in, he'll find a cup that he can fill up. In other words, he's feast or famine - splurging on the good months, begging on the bad.
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100% agree. I did that guesstimate to try and figure out how likely it was that he was actually on the brink of financial ruin. My gut said no, but I wanted to see what the line might be. As you say, though, I think in months of feast he spends on inane shit instead of saving it or paying down debt, counting (reliably so far) on his special ed whales to pick up the slack in the slower months on command.
 
actually dijo:
100% agree. I did that guesstimate to try and figure out how likely it was that he was actually on the brink of financial ruin. My gut said no, but I wanted to see what the line might be. As you say, though, I think in months of feast he spends on inane shit instead of saving it or paying down debt, counting (reliably so far) on his special ed whales to pick up the slack in the slower months on command.
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I think with the way twitch is paying out now with it being in the middle of the month, and his insistence on people tipping, he's going by weeks instead of months at this point. He especially doubles down on the spendings for special occasions like holidays.
 
big ups liquid richard dijo:
Has DSP ever talked about his retirement fund before? Tonight he mentioned casually that he cashed it out and paid a big penalty.
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Yeah, he's talked about using up all his savings and shit. Probably had some kind of retirement account from his Sikorski job if they offered those benefits. A lot of places do, even for entry-level positions.
 
This comment matters dijo:
Another brilliant financial decision. Enjoy that 50% penalty pigroach.
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The penalty isn't that severe. Also unless he had a couple thousand dollars in it he was probably better off paying the penalty because nobody will actually let you invest it into anything if you don't have a couple thousand dollars. That means if you roll over a 401(k) to an IRA and you only have a couple hundred bucks you just pay the 10% penalty so you can at least get interest out of your savings account instead of literally nothing from a settlement account. You also don't pay a penalty if you spend it on medical insurance premiums following a job loss, which he probably did.
 
Salubrious dijo:
Was its value $131K ten years ago, or is that just what he paid for it and he got fleeced?
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Interesting question. I'll see if I can figure that out.

EDIT: In mid-2017 Zillow indicated the property was assessed at $74,900 in 2014.

The county has assessed it at $41,400 from 2015-2017 and hasn't listed an assessment since.

836278

He might have paid a little more than it was worth but it was probably a reasonable price.
 
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