They probably live someplace in the 949 area code if their HOA fees are $285 per month.
One thing I noticed is how many items are being delivered to their home (for a fee).
They need to use a personal finance software like Quicken.
I live in 949. My HOA and Lake Dues are about $175.00 a month. But there are many communities that are MUCH more.
She spends $15.50 almost every morning having a bagle with cream cheese delivered to her house. They have no savings and their checking account is overdrawn.
“They need to use a personal finance software like Quicken.”
they need to get off their arses and go to the damn grocery store a couple of times a week, and they wouldn’t have to have ANYTHING delivered for a fee!