Support Kaile's Journey to Financial Freedom

Kaile Hultner is organizing this fundraiser.

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TL;DR: help me get completely out of debt and back into a position where I feel like I can move and breathe again, where the prospect of having to find a new place to live next June won't send me into existential panic, and where I can return to making things that people enjoy without compromise. In return, I'll write about whatever you want me to.

Long version:

Hi y'all,

My name is Kaile Hultner. I am an online cultural critic who has been running the video game criticism website No Escape since 2019. My work has been featured in other places like PC Gamer, Polygon and Bullet Points Monthly. And like a lot of people, I have been deeply in debt for years.

Debt is a very strange phenomenon. As anthropologist David Graeber demonstrated in his book Debt: The First 5000 Years, it is a phenomenon that imparts a kind of moral valence on a person; whether or not that person can pay their debts is a sign of their trustworthiness or virtue as a member of polite society. Yet you can't go without debt: at some point, at least in the United States, you have to pick up a form of debt - credit - to establish your credit score, without which you can't rent an apartment, buy or lease a car, or, in some cases, even get a job. Being debt-free can harm this score, as can having a credit history that is "too young."

I've been in debt for a long time. I've been managing my debt for over a decade. Every year for the last six or seven years in particular it feels like I'm losing progressively more and more ground. Seven years ago I had a car; I could do things like deliver Uber Eats and DoorDash and make extra money whenever I ran out. It broke down in my driveway in 2022 and I couldn't afford to take it to a mechanic to get it fixed. I sold it for $200. I haven't been able to replace it. I don't know what I'll do if I ever need a car for anything. Luckily my day job is WFH.

Recently, I've been fighting with my old bank over charges it erroneously applied to my account in excess of $1000, causing it to go deep into the negatives. I've been slowly, slowly digging myself out of that hole thanks to some close friends and some very kind folks who follow me on the Internet. But it's caused other debts to exacerbate. And tonight I realized that I am at the end of my rope. I can't do this anymore. I won't sit here and say that I've done everything right; certainly, more than one bad decision made out of desperation has put me here. I won't make excuses for that. But I'm tired of being here, in this position. I'm tired of waking up in the middle of the night with heart palpitations because I got an alert from my bank that I'm in the negatives. I'm tired of getting emails and phone calls from debt collectors. I'm tired of living in basic survival mode with no discernible path forward. I'm tired of being tired, of not having the energy to be creative and do the work I've built an online presence around for five years. And paradoxically, I'm tired of asking people on the internet for money.

So I'm going to ask people on the internet for money, one final time.

I've set the goal at $10,000. This is far more than I'm honestly expecting to get, but if I get even a fraction of that I could finally obliterate my debts in a meaningful way. I do have specific milestones that I basically need to meet, otherwise this GFM doesn't hit its maximum effectiveness, but otherwise the sky is the limit. If I reach the whole amount... I don't really know what I'll do. Cry, maybe.

Milestones - bolded is the current milestone we're nearing

MILESTONE HIT! $750 - gets my old bank account out of the negatives. Eliminates one vector of harassment, allows me to close that account and move on.
MILESTONE HIT! $1800 - does the above and allows me to fully pay any late or past-due loan payments missed as a result of the bank issue.
MILESTONE HIT! $6000 - does the above and allows me to fully pay off all installment loans
$8000 - does the above and allows me to put a down payment on a cheap used car.
$10,000 - does the above and allows me to jumpstart putting money aside for the deposit/first month's rent in a new place.
$10,000+ - the sky is now the limit.

I fully do not expect you to donate to this. There are people trying to escape genocides, much more abject poverty, crushing medical debt, and so much more that feel - at least to me - so much more worthy of your attention and money. But just know that if you do donate something, you have my undying appreciation. I will quite literally owe you my life.

I'm going to post this now before I get too emotional or lose my nerve entirely, but again: thank you. Even if all you do is read this.

—Kaile

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