#I tried to pay them two weeks ago and the flipping payment is STILL pending

[cultivating-wildflowers]

trying to pay the government and I'm in line. to log in. to a website???

[loquaciousquark]

I hope you're doing well! I know you posted about a stressful situation last month, and I hope it's resolved itself. Sending good wishes you you and Hamlet!

Thank you so very much for checking in on me! I really do appreciate it. An update to that post under the cut.

Carol, who moved in with me on May 28, is still here. Right now, we have set a tentative move-out goal of the first or second week of August, but this is pending an apartment application that she hopes to finalize on Monday and a job situation that is a complete mess.

Basically, according to my limited understanding, Carol is licensed to teach in Florida. Alabama has a reciprocity clause with Florida, but it must be applied for. Carol has recently begun this process, but her teaching license(s?) is (are?) set to expire in December unless she passes certain exams. She’s already passed one for...general middle and high school teaching, I think, but failed a math exam. She has an art history exam Monday afternoon and expects to pass. I hope so, because she’s been doing nothing but watching Netflix and shopping for houses for the last few days in her new 2017 Jeep Cherokee.

I remain unspeakably grateful to my parents for teaching me financial literacy, because until I witnessed Carol’s decision-making, I had no idea how hard it was for some people to not spend money unwisely. 

As a reminder, Carol is dead broke. She has $153,000 in debt across student loans, medical bills, Czech and US taxes, and some personal loans she would like to repay to friends for helping her. She is unemployed and has no support from her family and has relied on couch surfing at friends’ and acquaintances’ homes since last summer for housing. Since moving in with me, she has been trying to find somewhere to live that would accept her with all her debt and her nonexistent US employment history for the last ten years. Based on what she’s said, I think she has about $9k in the bank--or did, until last week.

In short, she needs a car, a job, and a home, and as far as I can tell she doesn’t care which order they come in.

Two weeks ago, she was offered a position in a rural town about 30 minutes from where I live. It’s a small, very country town which desperately needs a special education teacher, something I think Carol really does have a passion for. However, because she hasn’t finished the reciprocity licensure application yet, they’re having a lot of roadblocks with her paperwork, compounded by the fact that when she left Prague last year, she left all her important documentation behind: things like her birth certificate, her social security card, and her letters of recommendation, which for some reason she did not have electronic backups of. The principal has been trying to get what she needs from Carol for two weeks. Carol is constantly saying that things are “in process” but has nothing to show for it.

As far as we can tell, the job is still hers, but the school year starts August 13th and she still hasn’t been approved by the Board of Education because the paperwork is still not finished on her end. She did not attempt to replace her birth certificate or social security card until they needed it for the application. (Her friend in Prague--and I am beginning to realize she uses the word “friend” for anyone she’s met longer than sixty seconds), who frantically packed up all her belongings when she realized she would not be able to go back to the city, cannot ship her belongings or go through them for the important paperwork until next summer, as she and her husband are currently vacationing in Rome for a year.

Carol decided last night she is also going to apply for some online Department of Defense position--I didn’t understand the details and don’t really want to know, except that it’s also teaching and some administration. We’ll see how it works out. She is growing increasingly annoyed at the principal’s requests for paperwork completion, which baffles me.

So, job: shrug? Maybe?

Car next, then, but this whole mess also goes back to the financial literacy thing. My parents have always been extremely frugal (pennywise, as my dad would say), and from childhood they made it very clear to us to not buy things you couldn’t afford. They’ve never had a car payment in my memory, and they paid off their house about ten years ago. This means they drove a lot of junkers for a very long time, and for a very long time we had very few vacations, but now they’re fully financially stable and debt-free and my mom has a car that she drove off the lot brand new that they paid cash in hand for. 

If I had been in Carol’s situation, I would have found a cheap, mostly reliable used car that probably wasn’t going to explode on me and drive that as long as I could while saving up for housing. I did in fact drive her to look at several used cars, most of which would have been even outside my expected budget (hers, as it happens, is larger even than that, because one of her overseas friends was willing to contribute $5000 to the cost of a vehicle). (I paid $6500 for my current car, a 2004, in college in 2012 with 70,000 miles on it at the time, and have driven it ever since.)

She rejected all of them because they did not have good “energy” and “feelings.” One she was willing to buy at $3700, but told the seller to go pay for his own inspection (once I explained to her what mechanical inspections were as a concept), so they ghosted her. She also is extremely afraid of head gasket failure--I don’t know why, since she knows nothing about cars--and has assumed all vehicles she has driven are on the verge of it, so after the first week she refused to even look at a vehicle without a warranty.

This means she exclusively limited herself to used dealership options, which I’m just going to come right out and say was monumentally stupid. I don’t know if any car dealers follow me, so I’m sorry if I am misperceiving this, but in my experience almost every dealer I’ve gone to has been aggressive, manipulative, and extremely predatory in their interest rates. I cannot think of a riskier course of action in abject debt than to try to cut a deal with a car dealer for the sake of a warranty I doubt will cover that much truly expensive failure in the long run anyway.

On Thursday, Carol bought a $20,000 2017 Jeep Cherokee from a dealership down the road. I don’t know what she put down. I do know she did not use her friend’s money (why not??) and I know her interest rate on the car loan is 4%, which she is extremely proud of and which horrifies me. She also “persuaded” them into a limited warranty that will cover the vehicle up to 100,000 miles (currently at 42k, and they ~only offer it for cars under 40,000 miles~). I can’t tell you how bad an idea I think all this is.

Thursday night, as she was regaling me with stories of her negotiating prowess, she also tells me she has decided to buy a house. She’s sick of renting, and somehow, someone somewhere managed to get her approved for up to $120,000 in a home loan. She already has $150k in debt, another $20k from the car, and now wants to buy a house. She was delighted that she could make the minimum 7% down payment, even though it would wipe out every cent she has left and leave her less than $500 to her name for moving expenses, utilities, food, title registration, etc. afterwards.

She doesn’t even have a secure job yet.

However, this plan seems to have fallen through. She went out with a realtor several times this weekend and came home the last time in great, heaving sobs, because she can’t find the 3bed 2bath she wanted in her price range. (For reference, most homes in this area go between 200k - 250k right now for 2-3bed 2ba, and the closer you get to the city--I have about a 20 minute commute--the higher it gets. My next door neighbor sold her 3bed 2.5ba for >300k three months ago, and Carol knew this.) She was absolutely devastated that the only things in her range were “tiny little ugly flipped houses” and “the ghetto.” The realtor basically said she wasn’t going to waste any more of her time. Carol repeatedly told me how grateful I should be that I got in at the price point I did a few years back, because no “normal people” could ever afford to break into the market again.

I tried to tell her that it was because I lived in with a roommate in very cheap housing and then a cell of a 1bed 1ba apartment for eight years while I saved money, but if nothing else, I’ve learned I’m not allowed to compare our situations or histories or offer advice of any kind except “go ahead and buy what you want,” because that only makes her cry harder. In the end, she has decided to give up on the house for now and settle for the absolute last thing in the world she wanted, an apartment with a lease.

To be honest, until she has a signed contract in hand, I half-expect this lease to fall through as well. I have tried to offer what I think is sensible advice and been ignored or rebuffed. I have tried to offer a sympathetic ear and ended up with her sobbing uncontrollably on me--heaving, body-wracking sobs--over and over again with me trapped in my own home, providing endless emotional support for a girl I don’t even like. I have tried to encourage her to do the things she wants to do, since she’s going to do them anyway, and when she gets “negative energy” after the purchases (buyer’s remorse, I think, that one little inkling of sense saying maybe it wasn’t a great idea to buy a $20,000 car or an $1100 brand new iPhone without a job), she blames it on the exact thing I said I thought might be good and makes me feel like I have now directly contributed to a negative outcome after poor decision-making.

For the record, when she says these things to me she is not saying, and has never said, them directly at me. She has never blamed me in any way for a negative outcome. She is not consciously trying to manipulate me or abuse me or take advantage of my help. She has never once asked me for money or job connections or for me to use any of my stability to unfairly or unethically get her something she needs. She is just completely absorbed in her own (rightfully absorbing) mess of a situation, and I think just completely unaware of how much of an emotional black hole she has become. There are no problems except her problems. There are no needs except her needs, and everyone around her has to understand how hard she has it at all times. 

So, we’ll see. I am praying that the apartment works out next week. The owner seems to want to work with her, which is a hopeful sign. Good thoughts would be appreciated.

--

Aside from all of this, work has gotten extremely complicated. I’m not going to go into all of it now, but one of my jobs is to create an extremely detailed schedule for students in clinic. This is used to schedule patients in each service--if we have this many students, we can have this many patient slots per half-day, etc. Last week, two students were out unexpectedly, one who broke her arm the day before she was supposed to begin, and one who had a terrible anxiety attack and thought the symptoms were actually COVID. That student was tested and cleared negative, but Student Health requires a two-week quarantine anyway, so she was not allowed to return.

This meant that we now had multiple patients per day with no one to see them. We tried to reschedule as many as we could, but we still ended up with multiple overbooks. This is extremely stressful for me as both a provider, an instructor, and a human being who hates having other people wait on her in a professional capacity. We got through the week, but not without several painful bumps, and it’s looking like there will be more soon.

I also woke up to an email this morning that one of my favorite students (yes, I have favorites, I’m sorry), had a completely unexpected death in the immediate family and had to rush home. This is a very, very sweet, very smart girl who has worked unbelievably hard over the past year to do well in this program and in my courses, and I am just devastated for her. One of her friends is willing to cover her clinic, so the impact will be minimal on that side, but to have this happen during this country’s hellhole handling of this pandemic...I can’t even imagine it.

All of this isn’t even touching COVID. The President’s side has won in that sense--I don’t even register the numbers anymore--but as of last week our dean sent out messaging that implied that with our state’s failure to contain the spread, new discussions were going to be happening soon regarding our August start. We already had committed to full hybrid scheduling: all lectures online, in-person labs only where absolutely necessary to continue advancement in the program, and those labs limited to two per room with full PPE, but if they decide even that can’t happen, I don’t know what the fuck I’m going to do. I cannot make competent doctors over Zoom. I can’t. At some point they have to touch other people and look at other people’s eyes. They have to be able to check real, in-person blood pressure. They have to look at genuine eye movements and ocular surfaces in person and I cannot and will not let them enter clinic until they have the practice and the time and the practicals behind them. I fucking refuse to endanger the public for sixty years because someone in an office somewhere decided a timetable is more important than a patient keeping their ability to see, and I’m ready to fight administration on this if they try to push it.

But if I win the fight, what next? They just...don’t enter clinic next year. They don’t enter my program. I don’t know what they do in the meantime, as this lab meets four mornings a week and the lecture twice. The course is delayed until next year or whenever we have the virus under control again, and suddenly my fall semester sure looks like I’ll be being paid to stay at home and count carpet fibers. I don’t think they’ll fire me--no one else wants to teach my course anyway--but if I win this fight I might put myself right into furlough in the process.

I could be borrowing trouble, I know. They could come back and say that after review, our system and safety protocols (all extremely conservative) are indeed safe enough and we can proceed as we want. They could say that our limited in-person option for lectures (we have several gigantic lecture halls that could easily socially distance) is the only thing that needs to go. They could say that we just need to have smaller lab groups--hellish on me, but doable.

But it’s one more element of stress in my life that I just can’t handle worrying about right now, which is why I’ve been bouncing back and forth between random fics and oneshots (that mermaid one was feverishly written on a single evening Carol spent at her mom’s house) and pouring an ungodly amount of hours into Animal Crossing. At least there I have some control over what happens next.

Sorry, guys. I know this is not the happy update I was hoping for. I’ll try to check in again next month and we’ll see where things end up.