Wildfire Disaster & $100,000 Debt: 22-Year-Old TikToker Now Jobless!

Facing over $100,000 in debt at just 22, this viral TikToker's life takes a dramatic turn when the Palisades wildfire leaves her unemployed. Follow her raw and honest journey through financial stress, job loss, and the urgent need for a plan to manage her debt, as she shares insights and inspires others facing similar crises.

Content Creator Tiktok: @cheese847213

Chapters:

00:00 TikTok Ban & $100K Debt
00:37 Missed Payments & Creditor Calls
01:03 Needing a Financial Plan
01:27 498 Credit Score Shock
01:55 Utilities & Housing Impact
02:19 Starting Young to Avoid Debt
02:53 Budgeting vs. Bankruptcy
03:25 White Privilege & Rent Help
03:57 Normalizing Debt & Stress
04:24 Relationship Worries Over Debt
05:23 Selling Belongings for Cash
06:22 Parents, School & Privilege
07:20 $55K Car Loan & APR Questions
08:08 Overspending & Debt Culture
09:09 Coping With Six-Figure Debt
10:08 High Taxes & Money Mismanagement
10:45 Future Plans & Clothing Brand
11:17 Car Payments & Bronco Reveal
12:11 Making Six Figures Online
13:00 Debt Settlement & Extra Jobs
14:00 Side Hustles & Getting Creative
15:18 Paying Off Debt vs. Saving
16:16 Breaking Down $1,100 Car Payment
16:46 10% Interest & Regrets
17:19 Juggling Massive Monthly Bills
18:01 $2K+ on Car & Insurance
19:00 Needing $3,800 a Month
20:03 Execution Beyond the Plan
21:17 Bronco “Dream Car” Reality
22:00 Depreciation & Upside-Down Loan
22:59 Luxury vs. Financial Consequences
23:32 Balenciaga & Overconsumption
25:05 $100K Credit Limits & Missing Payments
26:30 Seven-Year Credit Record Impact
28:32 Selling Car at a Loss
30:09 Vowing Not to Buy Another Car
31:20 Irresponsible Spending Revealed
33:00 Losing Income & Changing Agencies
35:09 Lack of Guidance & Family Judgment
36:15 Denial, Anxiety & Still Spending
37:28 Wildfire Disaster & Job Loss
38:45 Only $200 Weekly Unemployment
39:59 Evacuations & Community Devastation
41:04 Palisades Fire & Heartfelt Condolences
42:50 Fundraising & Helping a Coworker


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