We are already in a huge affordability crisis. People think these payment plans are no big deal, but the new FICO model will incorporate BNPL. Lenders will see the data. And (spoiler) it’s not good!

The credit industry is filled with more increasingly conflicted information thanks to the federal gov. Currently working on an article about it and I’m worried. The stats are worrying.

I have an older brother 🧎🏻

I love you so much dude, I’m so happy to know you 🥰

Blurryface creeping into top albums was a surprise to me!

Okay I saw some of my friends’ watch times for their top streamers and I feel way better about my less than 600 hours

Hasan going live every weekday around 2/2:30 pm my time has been really helpful for me to sparse through my hard feelings about global and domestic politics. This year I have started to radically hope against the odds. It’s my own doing, but he helped jumpstart me.

I’m genuinely having a crisis about this what the fuck is wrong with my brain

Thinking of you, my friend. Let me know if you need an ear. (Not for a transplant but as a form of support)

Hit ‘em with this

Me. Let’s each make one for the new year.

I FUCKING LOVE PEARS @bizarrolongy.bsky.social USED TO ROAST ME ON STREAM FOR SAYING THEYRE MY FAVORITE FRUIT