Does 'From Student Debt To Pack Debt' Offer Financial Advice?

On the third day after our divorce was finalized, my ex-wife, Georgie Anderson, sent me a text message. [Why haven’t you transferred your salary from this month to me?] I thought she was joking. [We’re already divorced.] [So? What does it matter if we’re divorced? You should transfer nineteen thousand dollars from your twenty-thousand-dollar income, just like you did before. The remaining one thousand dollars will be your pocket money. When you were unemployed, I was the one who took care of you. Now that we’re divorced, you’re turning your back on me?] I stared at her text messages and fell silent for a really long time. Throughout our three-year marriage, I gave her nineteen thousand dollars out of my twenty-thousand-dollar salary. She was responsible for "budgeting" our household expenses. However, she spent my money on her civil service exam, afternoon teas with her besties, and even on her study partner, whom I’d never met. As for me, I handled all the house chores—cooking dinner, mopping the floors and doing the laundry. But when I took a little time after work to game, she would yell at me for being lazy. She was demanding money from me even after we were divorced. Her reason was that I might spend the money without thinking. I blocked her number. Three seconds later, she sent me a text message from another phone number. [You’ll regret this. I’m trying to help you one last time.] I laughed. ‘Helping me?’ I thought. Nobody had ever helped me in the past three years.

To afford train tickets home for New Year's Eve, I searched for a part-time job and stumbled into a livestream that was practically throwing money at the chat. A young woman in a silk robe rested her chin on her hand. Behind her, a villa glowed under expensive lighting that reflected off polished marble floors. "Being kept in here is suffocating," she said in a voice that mixed boredom with sweetness. "My sponsor gives me more money than I can spend. Help me out. Take some off my hands." Cash drops flashed across the screen one after another. I tapped as fast as I could, my heart hammering. A few large ones landed in my account. I was close. One more would cover both my ticket and my boyfriend's. The streamer leaned closer to the camera. "He keeps saying my tear mole looks like his girlfriend's," she said, her mouth twisting with disgust. "So unlucky. Of all things, I had to match with some broke girl." My finger slipped. I had a tear mole under my eye in the same spot. The live chat flooded with questions. [How is the sponsor's girlfriend broke?] The streamer gave a short snort and reapplied her lipstick, as if correcting a minor flaw. "He's just messing around. He tricked her into 200,000 dollars in debt. She's so stupid she works multiple jobs to help him pay it off." A chill settled in my chest. My boyfriend also owed 200,000 dollars. She continued, her tone light, "The funniest part? He slept with me for three days. When he left, I asked if he was giving her a taste of honey." She smiled cruelly. "He said all he has to do is claim he's going to work a construction site hauling rebar. The idiot will feel guilty and deliver food all night. So he won't need to please her." Another large cash drop flashed across the screen. The total reached the exact amount I needed. My phone rang. Benjamin's name lit up the display. When I answered, his voice sounded worn down, as if it had scraped against concrete. "Via, we still don't have enough for the tickets," he said. "I hauled rebar and made a little over 40 dollars. I'm heading home now."

I turn down a dream research program at Hefford University just so I can stay and help my debt-ridden boyfriend run a burger stand. This time, he says he's serious. I give him all the money I've saved up over the years, hoping we can build a better future together. A few hours later, I discover he's forgotten two hundred dollars in the drawer. I grab the money and run out, hoping to catch him. What I catch is a scene straight out of a corny movie. The loan sharks who used to beat and threaten him are now bowing and nodding deferentially. "Sir, I guess we don't need to show up at your house anymore, right?" Kurt Saunders rubs his temples and replies, "Yup. Anna gave up her entire future for me. She even turned down an opportunity to study at Hefford just to help me pay off my debts." Before he even finishes, his childhood friend lets out a giggle. "Kurt, that's still not enough. You'll only know if she really doesn't mind being poor if she sticks around through a year of flipping burgers without any complaints." Kurt looks at her sly expression and lets out a helpless laugh. "Alright, we'll do it your way. One more year of pretending. Anna would never leave me anyway." I stand there, listening to the sound of my own heart shatter. Kurt, you think I'm giving up my future for you, but it's still mine, and I can take it back.

My wife, Alisha West, has always been obsessively frugal. After marrying her, my single guilty pleasure became blowing money on luxury watches—almost like revenge for how absurdly tightfisted she was. By the time our daughter, Elyse Day, turned 7, she had inherited every bit of her mother’s penny-pinching nature. The two of them looked completely out of place in our sprawling mansion. And I loved it. I’d slip into my latest custom-tailored suits and watch them wince at my credit card statements, their expressions twisted in quiet pain. Until one day, lines of floating text suddenly appeared before my eyes. [This spendthrift idiot is still shopping? Doesn’t he know his wife’s company is about to go bankrupt?] [She’s been drained dry supporting this parasite. Her T-shirt collar is practically worn out from washing. Good thing the financially savvy male lead is about to show up and save her.] [Can’t wait for Alisha to file for divorce and kick this useless freeloader out. Let’s see how he survives fighting stray dogs for scraps under a bridge.] I slammed the limited-edition Richard Mille watch onto the table. Alisha, who was crouched on the floor breaking down delivery boxes for recycling, and Elyse, who was helping stomp them flat, both jumped in shock. A chill ran through me. I lunged forward, snatched the battered cardboard box from Elyse’s hands, and held it tightly against my chest. "No… no more buying. I’m returning this watch. "And these boxes… don’t sell them. I think we might need them someday… to lay out under a bridge when we’re sleeping outside…"

My mom is 71 years old. Thanks to her arthritis acting up, she's in so much pain that she can't descend the stairs at all. She tentatively calls me and asks if she can rent an apartment that comes with an elevator of its own. But my wife, Lucy Glaser, brings out the household ledger and points at the red numbers on the pages. "Last month, you bought yourself a tie, which is 300 dollars beyond our monthly budget. Yet now you're planning on adding another impulsive expense?" Only then do I realize that I don't even have the freedom to buy myself a tie despite earning an annual salary of tens of millions of dollars. My mom is still trying to explain herself in a humble tone over the phone. "Oh, please don't feel troubled about it, Caleb. I was just asking on a whim. I've already grown used to my old home anyway…" After I end the call, I feel rather stuffy in my chest. What's there for me to feel troubled about? After all, I'm a partner of a top-tier law firm who earns tens of millions of dollars every year. The one who keeps standing in my way is Lucy, who's only a mid-level lawyer yet insists on controlling my finances. She also calls herself the best candidate for the household asset allocation.

In the third year I've decided to support my girlfriend, Iris Fulton, by opening a flower shop, she has gone into bankruptcy once again. The first time she went bankrupt, I sold the house my grandma had left for me so that I could clear the debt of 700 thousand dollars. The second time she went bankrupt, I was able to locate the bank passbook Mom had left for me as a wedding gift. That was how I paid back one million and six hundred thousand dollars. The third time Iris has gone bankrupt, however, I can only grip the note with my filthy rich dad's phone number while staring at her lost and dazed expression. At that time, I'm debating whether or not I should call him. But that night, I accidentally notice the chat history on Iris' group chat that's displayed on her tablet. "Hey Iris, how many figures are you going to fill into the sum of the bankruptcy contract that's supposed to be cleared this time?" "Let's put ten million dollars. Otherwise, that flower-selling plaything will be able to clear the debt in one go. It'll make things very boring." "As expected of you, Iris! I heard that the plaything waters flowers in the morning and waters your 'flower garden' at night. You're never tired of him, are you?" I put down Iris' tablet before calling my dad right away. "You want me to take over the family business and marry your student, right? Fine, I'll do it. Get your men to pick me up in three days."