Bonus #190 - Jon Gabrus [PATREON PREVIEW]

6m 37s

The speaker, a 21-year-old woman, describes lending her best friend $4,000 interest-free to fix her car. Recently, the friend got a boob job and, for the first time, missed a monthly repayment, citing bills. The speaker feels conflicted: she values the friendship deeply but genuinely needs the money back, especially since the friend also took out a loan for the surgery. The advisors acknowledge that lending such a large amount at a young age is risky and complicated. They recommend the speaker have a direct but non-confrontational conversation, reiterating the importance of the repayment plan and suggesting a structured schedule (e.g., $100 per month for 40 months) to prevent future missed payments. They stress that avoiding the issue could result in losing both the friend and the remaining money. The advisors also inject humor, joking about the friend's new "great tits" and the irony of the situation, but ultimately emphasize practicality: the speaker should check in firmly, remind her friend of the agreement, and ensure the plan is followed to maintain both the friendship and financial security. The core advice is to address the missed payment now, set clear terms, and avoid letting the situation become chronic.

Transcription

1272 Words, 6258 Characters

English

hey i'm like 21 years old and my friend like my best friend ever genuinely like i imagined her rather than like a long-term partner as being someone in my life okay long-term lesbian that makes sense but it doesn't she i was going through some problems with her car and i ended up loaning her like four thousand dollars which for me was a big amount that's a lot of money yeah you're 21 i guess i wasn't like that down bad for it at the time but like i it was like zero interest she could take her time paying it back anyways like a couple weeks ago she got a fucking boob job and i kind of thought about saying something before she got the boob job like hey is this like are you gonna be good to pay me back and now she started paying me back monthly this is the first month where she said okay like i can't like bill's got got me this month i'm i'm gonna have to wait till after my next pay period to pay you back damn so and i know she's she also took out a loan to get these boobs oh they're really nice but well okay i'm back i see where she's coming from just give her the money as a friend just let her keep the money why are you being such a fucking bitch she has awesome tits thank you for adding great tits into society yeah why are you being such a flat-chested cunt about this no no just a joke what else we got elders i don't want to lose her as a friend but i do need the money right and i don't know how else to i mean it feels pretty obvious that i that we should she should pay me back i guess yes we agree um that's man money between friends is is is fucking complicated especially when you don't have it like when you're young lending four grand to a friend that's that's insane that's a lot of money like when i moved to new york after like years of saving i had seven grand yeah like to me that was like i was like fuck this this is my fucking nest egg i'm like starting from here yeah i can't imagine being 21 and giving somebody four grand that's an insane amount no that's like what i would make one full summer like yeah like that left so i would say you gotta just hopefully she's using the boobs in like like she's getting good use out of them she's maybe gonna cocktail waitress only fans dance and and they will be actually an investment and she'll be making money for you but in the end i think you gotta set up a plan where you're gonna be able to make money for you you tell her what you said to us like your friendship is important uh but it is important that i get this money back so we need to make some sort of aggressive plan like i'm not gonna charge you interest but you got to give me a hundred dollars a month for the next 40 months or 200 a month for 20 months well that's what i would say is like it sounds like so far she's been paying her monthly right and okay she missed the she missed this payment the month she got her tits done right i think it doesn't seem like this is something that you need ideally what you're should have happened is if you loan somebody this money at the moment they're accepting it when they need it the most you get them to just sign a plan right you just agree to something right agree to this like we you know whatever let's just this is like this will be what it is you know and just so we don't have any drama between us just like yes but this way we don't have to think we just do what's on this thing right um now obviously that didn't happen but this is a good opportunity to i get that this was hard but like i really need the money so can we just outline right now we just got to start on so that there's no more misunderstanding no more whatever like can we just like you know and even if you don't feel like that's necessary if you already have a plan in place um you should just i think it's a good opportunity to reiterate like hey i i just really need the money right we just have to stay on this you have to understand like you must understand as someone who needed four grand to save your car yeah how i might need my four grand as well yeah yeah and you the last thing you want to do is like lose a friend over four thousand dollars you know what i mean yeah but at the same time it's like i would say that from the other person's side is like that's who's same thing for them too that's who's in danger of losing a friend um because i think the worst case scenario here is like you lose a friend you lose your money too right like now you're out a friend and you're out like 3 400 you know i don't know how much he started paying you back right like um so yeah i mean i think at this point it's just the important thing since she's missed the payment but it has been on a plan before this is to just check in and be like hey you can't do that you know like right and obviously don't say it like that don't don't approach her like a bookie yeah but you could just be like hey i like i saw your browser history it looks like you're trying to get a labiectomy yeah yeah yeah you're trying no more like lips done yeah no you're trying to get kylie jenner dsls on your pussy oh the dream horizontal like that i would that would bug me the fuck out that would be like i would need a vertical set of plumpies i don't want them horizontal that would piss me off um yeah i mean it's pretty it's pretty simple i mean the specific that she did go and get a boob job it's pretty funny but i did like hearing you say they're great yeah i you know i'm like heterosexuality's a cage when i a 21 year old girl's like my friend got great tits and i'm like well that's good fuck yeah i know it's better it's better than losing your money for shitty tits yeah right yeah yeah she got one big one in the middle oh i'm so i so regret giving her the money yeah but yeah this is tough but just like yeah just this is the kind of thing you have to make sure does not become chronic right and it's very possible also i'm thinking now too that she borrowed four thousand dollars to get a great tits put on her car yeah like a truck yeah truck truck tits just a big pair on the front like over the headlights when you turn the lights on the nipples pop out that would be awesome something to think about elders can we get those those schematics going can we talk to our boob schematic guy you

Podcast Summary

Key Points:

A 21-year-old lent her best friend $4,000 for car repairs, but the friend recently got a boob job and missed her first monthly payment.
The speaker is torn between preserving the friendship and needing the money back, acknowledging $4,000 is a huge sum at her age.
The advisors suggest setting up a clear repayment plan, like $100 or $200 monthly, to avoid ongoing drama and misunderstandings.
They emphasize the risk of losing both the friend and the money if the issue isn't addressed directly but kindly.
Humor is used to lighten the situation, joking about the friend's "great tits" and the absurdity of the loan being used indirectly for cosmetic surgery.

Summary:

The advisors acknowledge that lending such a large amount at a young age is risky and complicated. , $100 per month for 40 months) to prevent future missed payments. They stress that avoiding the issue could result in losing both the friend and the remaining money.

The advisors also inject humor, joking about the friend's new "great tits" and the irony of the situation, but ultimately emphasize practicality: the speaker should check in firmly, remind her friend of the agreement, and ensure the plan is followed to maintain both the friendship and financial security. The core advice is to address the missed payment now, set clear terms, and avoid letting the situation become chronic.

FAQs

What should the speaker do if her friend continues to miss payments after they set up a repayment plan?›

The hosts suggest addressing the issue immediately each time to prevent it from becoming chronic. If the friend keeps missing payments, the speaker should have a firmer conversation, reiterating the importance of the money and the risk of losing the friendship.

Why is it risky to lend money to a friend without a formal agreement, according to the hosts?›

The hosts explain that lending money without a written or verbal plan upfront can lead to misunderstandings and drama later. They emphasize that having a clear repayment schedule from the start helps avoid awkwardness and protects the friendship.

What does the host mean by 'don't approach her like a bookie'?›

The host advises against being aggressive or demanding when talking about the missed payment. Instead, the speaker should have a calm, friendly conversation that reaffirms the repayment plan without sounding threatening or confrontational.

How does the speaker's age affect the advice given by the hosts?›

The hosts note that at 21, lending $4,000 is a significant amount, often equivalent to a full summer's earnings. They stress that younger people have less financial cushion, making it even more important to establish clear repayment terms to avoid financial strain.

What is the hosts' view on the friend's decision to get a boob job while owing money?›

The hosts find it ironic and humorous, but they also see a potential upside. If the boob job helps the friend earn more money through jobs like cocktail waitressing or OnlyFans, it could indirectly benefit the speaker by enabling faster repayment.

What specific repayment plans do the hosts suggest, and why are those amounts chosen?›

The hosts propose either $100 per month for 40 months or $200 per month for 20 months, without charging interest. These plans make the debt manageable and predictable, ensuring the friend can commit to regular payments without overwhelming her budget.

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