💰 Grifter Boogie / Boogie2988 / "Francis" / Steven Jason Williams - Fat, Rapidly Declining Divorced "Nice Guy" Middle-Aged Youtuber, Former Edgy Porn Blogger, lied about having cancer and being molested. Cohost of fake drama show "Lolcow Live (LCL)". Just WILL NOT die.

Then the credit rating shit. Well done on these motherfuckers gamifying their shit. Making retards care if the completely arbitrary number goes up. And *spoiler alert* it only goes up if you let us fleece you.
ACKSHULLY all that *really* matters is building a payment history. If you pay off your card at the end of the payment period, like pay off the balance in full and not make the minimum payment, you'll earn the same benefit for your credit score and over time actually get more of a gain as it will keep utilization down. At a certain point loading more onto that card will impact your score negatively. You don't need to pay interest at all to improve your credit score

But as the interviewer pointed out, unless you need to get a big loan, your credit score really does not matter. For most people it's correct to stop caring once you buy a house that you will likely be living in for at least 5 years. If you're looking to build your credit score all you need to do is get a card, set your essential bills to autopay on it, then pay off that card every month. If you do that at 21 you will have a good enough score to be in the lowest risk category for a home mortgage by your late 20s.

What Boogie is griping about in terms of MUH SON OF A COAL MINER ME STPID ABOUT MONEY is a real phenomenon but it's pretty hard to feel bad for a guy who lucked into a massive pile of free money. Getting going is the hard part when it comes to money, it takes a special kind of stupid to have lived on an inconsistent income that averaged over $85k/yr over a 15 year period and to have not realized that paying off debts during good years was the play.
 
Watching Notes for Boogie's claims and Audit Details: First section of the video: Job and Income
  • Boogie has been living in Arkansas for 25 years
  • Boogie didn't move to LA when he became YouTube famous because he was "LA poor and Arkansas rich"
  • Boogie complains that because of the Walmart heirs spending too much money in the area that Arkansas cost of living has become "REALLY Expensive"
  • Boogie was really really close to being a millionaire for just 2 days because of $780k-800k of crypto which then lost half its value overnight
  • Boogies biggest regret is that he originally invested in Ethereum because "a few" friends became Ethereum millionaires
    • Initial investment of $200,000 (in 2019, no 2020, no 2019, actually 2018!)
    • Went down to $80,000
    • Boogie left the money in Ethereum and didn't worry because he was making $10k-15k a month in income ("incredible wealth, more than he could ever hope to spend")
    • Ethereum went up to $200,000 again and Boogie gambled all of it on unspecified Altcoins
    • If he stayed in Ethereum he would have 1.5 million right now
    • Every single person he knew, friends, other YouTubers, told him not to use traditional investments/stocks and put everything in crypto
      • Blamedrops McJuggerNuggets, KidBehindACamera
    • No on told Boogie it was too late in the game to invest in Crypto, claims to have bought ethereum at 280
    • "not to make any excuses, but I didn't come from money, I'm the son of a coal miner"
    • No one ever taught Boogie how to use money
The rest of it is retarded but I can't fault him for not moving to LA if Arkansas is a lot cheaper. The fact he's running out of money there just proves he's retarded.
 
MTG fag here.

During the documentary, he sold only a small portion of cards (if he actually sold them).

I wouldnt be surprised if he isn't sitting on 30k worth of cards if not more. He is just too lazy and prideful to get rid of his toys.
His biggest problem is getting off his ass and actually selling them. I'm pretty sure he will literally lose the house before he liquidates his MTG stock.
boogie whatnot.PNG
He even made a video to celebrate his kickoff and return to Whatnot, which was also published in October and complete with links. Right during some of the height of recent controversy, 100k views, perfect time to get people to his Whatnot.
Boogiewhatnot2.PNG

Total goods put up for sale on his Whatnot since October: 0.
And let's be real, his Whatnot is only going to kick off when he gets one of his live-in servants to get things prepared, photographed etc for sales.
 
I've never watched Boogie before. The way he has a long-winded anecdote to explain his stupid decisions and make you sympathetic is really infuriating, and he reminds me of junkies I've spoken to who can't just admit that they keep getting arrested for shoplifting because they are theives. There's a Les Miserables tale for everything.
 
ACKSHULLY all that *really* matters is building a payment history. If you pay off your card at the end of the payment period, like pay off the balance in full and not make the minimum payment, you'll earn the same benefit for your credit score and over time actually get more of a gain as it will keep utilization down. At a certain point loading more onto that card will impact your score negatively. You don't need to pay interest at all to improve your credit score

But as the interviewer pointed out, unless you need to get a big loan, your credit score really does not matter. For most people it's correct to stop caring once you buy a house that you will likely be living in for at least 5 years. If you're looking to build your credit score all you need to do is get a card, set your essential bills to autopay on it, then pay off that card every month. If you do that at 21 you will have a good enough score to be in the lowest risk category for a home mortgage by your late 20s.

What Boogie is griping about in terms of MUH SON OF A COAL MINER ME STPID ABOUT MONEY is a real phenomenon but it's pretty hard to feel bad for a guy who lucked into a massive pile of free money. Getting going is the hard part when it comes to money, it takes a special kind of stupid to have lived on an inconsistent income that averaged over $85k/yr over a 15 year period and to have not realized that paying off debts during good years was the play.
I respectfully disagree- while maybe back in the 80's or other decades past a credit score only really mattered for getting loans, nowadays (at least in the United States) is is vital for other things as well- namely, being able to rent an apartment or home (The vast majority of landlords now do a preliminary credit check on all applicants for rental properties). Many jobs also require a credit score check as part of the mandatory pre-employment checks- especially things that require a professional license like being a Pharmacy Tech or Accountant.

A poor credit score does more damage to boogie's ability to not be homeless when the inevitable foreclosure happens than you think.
 
I respectfully disagree- while maybe back in the 80's or other decades past a credit score only really mattered for getting loans, nowadays (at least in the United States) is is vital for other things as well- namely, being able to rent an apartment or home (The vast majority of landlords now do a preliminary credit check on all applicants for rental properties). Many jobs also require a credit score check as part of the mandatory pre-employment checks- especially things that require a professional license like being a Pharmacy Tech or Accountant.
Yeah this is all true but the basic recipe for raising your score still works, and spending more generally doesn't make it grow faster, and it can make it grow slower. When I say it doesn't matter after you buy I don't mean go trash it, just don't try to justify your retarded consumer purchases with retarded logic like

"It's helping build my credit score"
or
"It will be a good tax writeoff"

which I think he also mentions. Due to the inconsistency of his income and having some really good years he probably did, or at least should have itemized his taxes but the overwhelming majority of people I hear talking about tax writeoffs are people who I know will 100% take the standard deduction anyways.
 
Watching the Caleb Hamer thing, and does anyone find it weird that Boogie both says he was being financially irresponsible because he was going to kill himself, but at the same time he was doing things to "build his credit"? If you're planning to off yourself and because of that you're spending like a retard, what the fuck is the point of building your credit score? Boogie is so full of shit about being suicidal.
 
Watching the Caleb Hamer thing, and does anyone find it weird that Boogie both says he was being financially irresponsible because he was going to kill himself, but at the same time he was doing things to "build his credit"? If you're planning to off yourself and because of that you're spending like a retard, what the fuck is the point of building your credit score? Boogie is so full of shit about being suicidal.
Wanting pity points but to also look smart at the same time.
Maybe he figured the credit card companies would send a representative to his funeral and to speak about how, "he had a high credit score."

I find it funny that he was still worried about fucking credit when he was being told to get rid of all this shit that is draining money from him.
"Oh but I need to maintain credit!"

I swear to god credit score is engrained into normies brains as this super important thing that must be maintained before your own physical well being.
 
The one thing that stood out to me in this was when he was talking about how he planned to kill himself during Christmas one year, but didn't because he suddenly thought of his dog and realized his dog would be alone for three days.

Then, just because of the dog, mind you, he decided "to reschedule" his violent suicide for half a year later, during the summer. In the months after Christmas, he decided to go traveling a lot for no other real reason other than that his roommate would be forced to spend time with the dog and they would bond.

As if he's this selfless depressed guy with a heart of gold.

Listening to this, he sounded like a lazy writer of a bad movie. Specifically, the recent remake of Predator. The main character in that movie was shown to be a good person, and we were told to care about her, just because she had a dog who she cared about.

Imagine you're suicidal. You've decided to blow your brains out because nothing in this life matters to you. You've already decided you never want to see your dog ever again. Why not go out like an Egyptian pharaoh and kill your pet? At least just to make sure the gun is working? My point is, wanting to kill yourself is such a dark and destructive thing that impacts how destructively a person thinks about everything else. I don't believe for a minute he was having good thoughts about preserving his dog's life while also wanting to kill himself.

My conclusion? I think he was lying about ever wanting to kill himself. I would go as far to assert that Boogie has never had a suicidal thought or impulse in his entire life, not even as a youth.

On an unrelated note, I don't think his roommates pay anything in rent. I think they pay $0.
 
Wanting pity points but to also look smart at the same time.
Maybe he figured the credit card companies would send a representative to his funeral and to speak about how, "he had a high credit score."

I find it funny that he was still worried about fucking credit when he was being told to get rid of all this shit that is draining money from him.
"Oh but I need to maintain credit!"

I swear to god credit score is engrained into normies brains as this super important thing that must be maintained before your own physical well being.
Credit score is a literal joke if you have a brain. If you really want to have good credit, you can spike it in less than a year into the 700's where you pretty much get all of the benefits you could ever want, though in all reality him having a mortgage already should put him into a top credit score if he's paying it every month and not being a complete fuckup elsewhere.

I know when I was a broke college kid I ruined my credit, but I got it up quick afterwards without doing anything special, just paid off all the credit cards as soon as I could and made payments on the student loans that I hadn't paid for a year after leaving college. It's not that complicated and very rarely do you even use your credit score.
 
Boogie was going to buy a Tesla and kit it out as a DeLorean and make it into a show car, (on the advice of "a friend" who works at some car museum) because it was a smart investment as Ready Player One had just come out

He has a car show friend now too? What's weird to me about all these friends Boogie has (calm down, people reading this because of the feature, I know they're imaginary) is that they never hang out or go to any weird museums with him; they all just pop into his life to give horrible advice and then leave again.
I know chronic liars think the rest of us are all idiots, but the most insulting thing about him blaming all his bad choices on his FBI friend or his PR firm friend or his dog trainer friend or his lawyer friend or his cop friend or his masturbation friend or sex worker friend or his retired youtube friend isn't that he expects this excuse to always work with no one noticing the pattern, it's that he expects us to believe he has this many friends.
And don't forget those 7 black girlfriends!

Caleb points out fast food purchases 2 or 3 times every single day. "Well I already told you we spend $15 dollars on fast food a day"

I think Boogie doesn't even listen to himself when he talks because half this shit makes no sense. I honestly believe at this point he just panics and starts blurting out words until he's vomitted so many at you that you either lose track of it all or just get annoyed and give up.

I really hate this line. I see people use it all the time, both people who are poor themselves, but also those speaking about the poor. "They/we were never taught!"
There's a big fucking difference between never being taught where to find good financial advice and/or growing up in an environment with bad financial education, and someone who doesn't even grasp the basic concept of "You can't spend the same dollar twice."
You don't need a financial education for that. You just need a kindergarten-level understanding of resource management.

I also hate this excuse with a passion.
I won't PL but I do know from experience that growing up poor, yeah I was never taught to save by any one else, but after you've gone enough days without food you learn how to make every dollar count pretty quickly.
I don't understand how lazy or stupid people think this is a valid excuse, especially now when we have so much information just at our fingertips.
If we were all dependent as adults exclusively on the things our parents sat us down and taught us, half the world would be eating lightbulbs because, well, their parents didn't specifically teach them not to!

And at 50? No one sounds UwU or sympathetic at that age pulling out that excuse, they sound spoiled rotten because they made it 50 years without having to learn.

$3,448 left on the dog loan which Boogie claimed was $1000 "worst investment of my life because I don't even like the dog"

Oh Boogie, it was never about liking the dog; you paid that money in on a scheme to emotionally blackmail a prostitute into becoming a True And Honest Girlfriend From The Ground Up. If it had worked you'd love him, but since it didn't you're burdened with a lifetime of responsibility for another living thing!
Congratulations, you now can relate to every women who has tried to baby trap a man but had him walk out anyway! At least yours won't have to go to college.

The End of the video; unfortunately not the end of Boogie's life. Financial score 1.5/10.

Thank you for your amazing break down, I just have one question:

One thing I wanted to point out immediately that I don't think I've seen anyone post about yet: there was no mention of Boogie's second home/property throughout this entire episode

And there it is!
I just kept waiting for this to pop up in Crater's breakdown and can't believe it wasn't even mentioned. Makes you wonder what other assets and expenses Boogie just isn't mentioning in this third iteration of his totally-true-finances.
It also blows my mind how wildly different each of his breakdowns have been, and how obvious it is that he's trying to make his situation seem so much worse than it is but his ego just will not let him commit to the bit. If he thought it would make him look like a big man in front of others he'd claim he bought the Playboy mansion and has enough to keep all the bunnies employed for the next 5 years.

change literally nothing and simply hope that more money starts landing in his pocket somehow.

I know I'm stating the obvious but this is what he's begging for someone to tell him. He wants to be told he's unemployable, he wants to be told its not his fault he's in debt, he wants to be told his food budget isn't the problem, or his new iphone, or any of his plastic crap, that way he can just stay fat and lazy and be justified doing so.
You don't have to stop eating Macdonalds three times a day if you can blame being fat on your genetics, thyroid, metabolism, medication, mental illness etc
You don't have to stop paying for pussy if she's not a hooker but a mentally and socially retarded dependent (which says a lot if the latter is the option that makes you look better somehow)
And most importantly you don't have to stop buying magic cards, scrolling twitter and telling the internet what a great guy you are all day if it's your job.

That's all this, his ebegging video and Clum's breakdown of his finances and all the lies, excuses, and half truths his given in each has been about. Fat, Spoiled Boogie just wants all the adults of the world to pat him on the head, tell him its not his fault and to go back to playing with his toys while they sort it all out.
And the best part is that even if that happened, even if it somehow did all work out that way, Boogie would still complain it isn't good enough and twist it all to be a victim.
 
The cliche of going from dead broke to quickly rich, back to dead broke storyline is so mind boggling to me. It would make more sense if you actually were suicidal and didn’t give a shit but he’s been suicide bating for like a decade and all he has to show for it is every wanna be commentary star making a new documentary every week.
 
It's surreal for me to listen to a grown man feel sorry for himself while at the same time acknowledging, fully aware, of the things he's willfully done wrong and still refuse to stop.
 
I don't really give a shit on what Boogie is doing with his life, but holy shit why is it that every week there's like 3 new hour long documentaries on this fat fuck and his downfall? Are people just copying off each others' homework or something or what?
 
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