View source for Chris and money

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[[File:Cwcshutup.png|thumb|Chris's response to literally any commercial.]]
{{quote|He's not good at math when it comes to managing money.|[[Bob Chandler]], understating it.<ref>[[Emily Date Conversation Transcript]]</ref>}} 

Chris has repeatedly shown though his actions and words that he has no idea how to handle '''money''' or manage his own finances. Between his impulse spending, [[Chris and his Ego|his greed and selfishness]], his unwillingness to save even the smallest amount of money, and his massive sense of entitlement, Chris manages to demonstrate complete incompetence and ineptitude in managing financial affairs. Chris has repeatedly amassed debt on credit cards, only to have his enabling parents bail him out multiple times. [[Monthly tugboat|Too lazy to work]], he refuses to make or follow any type of budget or financial plan, instead spending far beyond his means, and expecting others to pay off his accumulated debt for him. It is clear that [[Autism|Chris has no idea what financial responsibility is]] and that his enabling, delusional parents taught him nothing about how to handle finances while he was growing up. Irresponsible, careless, and thoughtless, Chris fails at just about every aspect of financial management that can be thought of.

==But wait, Chris isn't employed!==
For the vast majority of Chris's "adult" life, his only source of income has been the "[[tugboat]]" that he receives from the U.S. federal government every month. In 2009, this payout was $809 a month, placing his annual income at $9,708. Chris's parents originally took $450 to pay for room and board;<ref name="Miyamoto" /> this payment was later increased to $565, and then to $580, after Bob paid off Chris's enormous credit card debt.<ref>[[Vivian Gee E-mails, 2009#8 December]]</ref><ref>[[Jackie Chat 8]]</ref> How much he gets to keep these days isn't known.

{{quote|My father helped me get my Social Security set up; I get more a month than I could at a job. Yet with my impuslive [sic] shoppiness [sic] (mostly controable [sic]), I end up spending my side-money after I get it.|Chris, [[Chris and His Ego|completely deluded and taking pride in being a lazy bastard]].<ref name="Miyamoto">[[Miyamoto Saga]]</ref>}}

===Chris and impulse spending===
It's obvious that Chris has no grasp on the real value of money, since he actively wastes as much of his monthly tugboat as possible on things like [[The Eye of Judgement|trading cards]], [[Officer Nasty|sex toys]], [[Duck|porn]], [[List of Chris's video games|video games]], [[alcohol]], [[Kaka Makeup Basics|make-up]], [[Lego|toys]], [[Mia Hamm|prostitutes]], and weekly lottery tickets<ref>[[Jackie E-mails 12]]</ref>. Also, in ''[[Sonichu (comic)|Sonichu]]'', while legislating as mayor of [[CWCville]], he equated 10 years in prison to a US$1,500 fine.<ref>[[Chris Chan Q&A 27 October 2008]]</ref> He also equated fifty hours of [[Wikipedia:Community service|community service]] to $500 (for any [[sex]]ual violations).<ref>[[Mailbag_31#Magi-Chan_knows_when_you_fuck]]</ref>

In [[July 2016]], a field agent provided the following account of Chris, in a situation where he did not have enough cash to pay for his junk food at a gas station<ref>https://kiwifarms.net/threads/random-thoughts-questions.661/page-601#post-1615438</ref>:

{{quotebox|My friend walks into a gas station/convenience store on the northern edge of Charlottesville.
Chris is trying to buy $7 or so of junk food type stuff, but he only has $5 in cash.
The cashier tries to make understand he owes $2 more. Chris seems to understand, but is slow to process what to do about it.
My friend who is second in line, picks out two ones, says "here you go" and puts them on the counter.
Chris, it seems more out of stupidity and confusion than malice, picks up the $2 and his purchases and makes to leave.
My friend and the cashier, both object and yell that he has to leave the $2 with the cashier.
Chris doesn't seem to react.
A dude who was behind both of them in line is between Chris and the door. As Chris passes him, he taps him to get his attention, and says something like "Hey buddy ..."
Chris makes a get-away-from-me hand wavy gesture without looking at any of the three of them, and fairly loudly says "It's Miss!" and hurries out the door.
Chris continues to his car in a half run, half walk, as all three of the people in the store watch confused and amused.
Chris pulls out of the parking spot, but for some reason heads towards the back of the lot, where there is no exit.
As Chris gets to the back of the lot, he stops, backs up a few feet, tries to turn the car around, doesn't make it, backs up again, and finally gets around. Essentially making a 5 point turn in a fairly large empty parking lot.
Chris drives past the store again not looking inside, and finally drives off.}}

Chris is a self-admitted impulse buyer.<ref name="Miyamoto" /> His [[PlayStation Network]] account shows that he's never played more than half of the games he's bought. And yet, astoundingly, he's still gone out of his way to buy ''all'' available downloadable content for ''every'' single [[PlayStation 3]] game that he's ever purchased, and even for ''games he doesn't own'', and he also further promoted his [[Chris and brand loyalty|Sony fanboyism]] by later buying a Sony LCD HDTV for his bedroom which likely costs about $1,000-$1,500. All the while, Chris bought his [[Chris and fashion|clothes]] at second-hand discount thrift stores. Usually, children are taught the value of money at a very young age--not in Chris's case, apparently.

===Chris's parental enabling===
Bob encouraged his son to remain unemployed, since he believed that Chris would earn more money from his monthly tugboat than he would have from getting a job. However, this assumption was and is inaccurate. Minimum wage in the state of [[Virginia]] is $7.25 an hour. If Chris were to somehow do a complete 180° on his life and begin working a full 40-hour week, his monthly payment before taxes and payment for room and board would be about $1,260: that's $15,100 annually. Subtracting the money he pays his mom every month to live, as well as the 5% tax his income range mandates in the state of Virginia, Chris could very likely be left with a ridiculous $8,000, which knowing Chris, would be spent on yet more frivolities. Contrast this with the $2,748 Chris pulled in annually from the government after paying off his parents, and it becomes clear that Bob's encouragement came from either thinking Chris would lose his social security if employed (which he wouldn't) or the more accurate notion that his son is a useless failure.

A very likely explanation for Chris's reckless spending is that his parents are at fault (to a degree at least). In addition to coddling him throughout his entire life, they managed to make sure that Chris has never felt the repercussions for his exorbitant spending (or for anything else) by taking over paying Chris's credit card debt, regularly giving him about "$6 a day for small things", buying him [[List of restaurants|fast food]] on a daily basis, and continuing to let himself blow all his money on frivolities and useless stuff, as opposed to essentials like [[Chris and health#Chris and hygiene|hygiene products]], [[Piedmont Virginia Community College|courses that could eventually help him onto the employment ladder]] or [[Clown shirt|clothing that isn't unbelievably tacky]]. Whenever Chris manages to [[The GAMe PLACe|get himself into trouble]], he knows that [[Barb]] will come [[Matthew Noble call|running to his aid and defend him]] and dig him out of whatever mess he's managed to get himself into, even if it is clear that he [[Target|is in the wrong]]. This enabling is the most likely explanation (in addition to his [[autism|poor impulse control]]) for why Chris spends himself into debt as much as he does.

===Chris's beliefs===
Chris believes that by receiving and spending his tugboat on useless junk, he is aiding the economy and paying for other people's tugboats.<ref>[[Mailbag 34#In which Chris fails economics forever]]</ref> This is a [[Honor roll|damningly moronic statement]], since sales tax goes to the state government and these "tugboats" are paid with ''federal'' payroll tax. Where Chris is hiding the printing press to afford this discretionary spending is unknown.

Interestingly enough, while he has no clue how to handle money, Chris has an unhealthy [[Chris and his Ego|fixation]] on his material possessions. In [[Vivitheg's AIM chat]], he stated that he did not want to sell any of his stuff, and in the [[Miyamoto Saga]], he refused to sell anything to help raise money for the trip to Redmond. His mother has served as a bad influence in both regards, as she would frequently shop at Goodwill and compulsively hoard the purchases, which both wasted money and helped turn their house into a [[Destruction Of Chris's House|fire hazard]].

===Losing the tugboat?===
With the possibility that he might have ended up in jail over more recently acccumulated debt, Chris's bad spending habits would have come back to haunt him. In jail, he wouldn't be able to collect his monthly tugboat, and if a full year passed without him collecting his checks, he would have to reapply for his welfare, something that would be a bit more difficult under the Obama administration, which doesn't look too kindly on social security due to the stress it causes to the overall economy,<ref>[http://www.nytimes.com/2012/04/24/us/politics/financial-outlook-dims-for-social-security.html]</ref> and has even started measures to cut them down altogether.<ref>[http://finance.yahoo.com/news/u-winds-down-longer-benefits-152809517.html]</ref> That, combined with the costs associated with court appearances as well as the fact that the last surviving breadwinner, Barbara, may also land in jail, would result in Chris being placed in very dire circumstances, something which [[Kacey|several]] [[Clyde Cash|trolls]] [[Kacey Call 1.5|have]] [[Mumble 4|tried]] [[PlayStation Vita|and failed]] to warn him about. Fortunately for him, he wasn't sentenced to jail, but the fact that he openly stated during his trial that his mother would pay his court fees is telling of both [[White_knight#Autism_does_not_excuse_a_terrible_person|his character]] and his financial situation.

However, it seems that even this has not given Chris pause, as he got himself into legal trouble [[26 December 2014|again]] and even got sent to jail for a brief time until he was quickly bailed out. Since he is both a repeat offender and financially drained after his last court hearing, it seems very unlikely that Chris will get off with a slap on the wrist this time, which means that he is once again in danger of losing his tugboat.

===In recent years===
It is worth noting that despite all of the circumstances (and expenses) described above, Chris is still wasting money on video games, as evidenced by his playing of ''Rock Band Blitz'' on the PSN, which was released in August 2012, pretty much cementing that even when faced with the consequences of bad spending habits, Chris will learn absolutely nothing. He has also spent gigantic amounts of money on Legos, despite the dire straits his family's finances are in since the destruction of 14BC.

In September [[2013]], Chris complained about he and his mom going through "emotionally depressing, and Financial Downfall to the depths of Greatly Poor and Just Getting By",<ref>[[Facebook]]</ref> making it clear that the family income had dipped since Bob's passing. However, these supposedly lean times were apparently not enough to motivate Chris to get a job, or even to stop buying games, as evidenced by him racking up over $1000 in game purchases over that time period.

On [[10 January 2014]], 14 Branchland Court burnt down. This would undoubtedly place the Chandlers in grim circumstances, due to the costs of rebuilding the home and replacing what was lost. Many, concerned about Chris due to his wasteful spending habits, hoped that this would be the moment in Chris's life where he finally woke up and realized the importance of saving when things like this happen. Unfortunately, not even ''this'' has broken Chris's thick skull--he apparently purchased ''The Lego Movie Video Game'' for his PS3 in February ''(however, it should be noted that due to a huge inflow of troll remorse, it's entirely possible that the game was a donation....or at least it was until it was [[March 2014 Facebook Posts#Rumour|confirmed that he did indeed buy it himself]].)'' At this point, only time will tell.

In the months that followed, Chris has resorted to begging online for money, placing extra emphasis on ''"My mother and I really need the money,"'' despite dropping more than '''$5,000''' on expensive [[Lego]] sets to feed his worsening addiction. One would think that Chris would have wised up to the fact that his wanton spending and lack of gainful employment are contributing to his woes, but one glance at his [[May 2014 Facebook Posts]] could easily tell you that he's seeing his situation as an avenue to get stuff from people, the most ridiculous of which being a "$300 Sea Cow" on his wish list, which would not benefit anybody but himself in the slightest. He has also attempted to sell [[Original Sonichu and Rosechu Drawing|an original art piece of his]] on eBay; logical, though sorely [[Chris and art|misguided]].

In January 2015, it was [[CWCki Forums|leaked]] that Chris had spent an absurd amount of money on Nintendo consoles and games, racking up '''585''' transactions'' in the last 4.5 years<reF>[http://cwckiforums.com/threads/2015-jan-12-nintendo-employee-details-chriss-recent-video-game-purchases.7050/]</ref>, a list which includes useless shovelware, hoards of 1st party Nintendo software, Virtual Console games and [[Sonic Boom Protests|both versions of a game he doesn't even like]]. 276 of these purchases are known to be handheld games, 8 are known to be video game consoles (buying '''4''' DSs and DSis), and 75 which are known to be console games. The grand total cost of all Chris's '''listed''' purchases is '''$7460.43''' or '''$1657.87/year'''. Keep in mind 39% of purchases Chris has on his account are not yet specified, meaning that their cost is not included in this already insanely high number. This information comes on the heels of Chris begging people for money to fix his mother's cavities, as well as the financial worries that his trials will undoubtedly cause.

In [[May 2016]], Chris displayed a level of financial ignorance that shatters any hope of him ever becoming competent with money. Days after [[Please, Donate|begging for donations]] to assist his ailing household, he announced that he would be starting [[Sonichu Entertainment of America|his own business]], with the declaration that each employee's salary would be ''25% of the profit.'' Naturally, Chris completely fails to realize that under these conditions, he would have no money at all if he had four or more employees. However, that's just the tip of the iceberg; days later, he uploaded [[Proposition to Sega|a video]] attempting to go into business with Sega to create official Sonichu products. In the video, he demands a six-figure salary, along with [[Chris and health|full insurance benefits]] and [[Chris and reality|maternity leave]]. These incidents seem to indicate Chris's belief that money comes out of nowhere and is unlimited in value. Chris has also shown continued unrealistic expectations when it comes to the value of his belongings and how the market works; in August 2016, he listed a used VHS of ''Aladdin'' on Ebay with a 'Buy it Now' price of $3,000. There have been no (legitimate) takers[http://www.ebay.com/itm/Aladdin-VHS-Black-Diamond-The-Classics-/282128626463?hash=item41b02d331f:g:wuYAAOSwaB5XqXIF], probably because one can buy the same edition on Amazon for ''one penny'' (plus shipping, but still).

Chris has monetized most of the videos which appear on his YouTube channel, as another way of [[Etsy|profiting]] from his internet infamy. As further proof of his entitlement issues, [[CatKnight Interview|Arthur Spatchcock]] discovered that at one point around [[March 2016]], Chris received $80 and was "pissed" that he hadn't gotten more.<ref>https://kiwifarms.net/threads/updated-6-1-2016-chris-spent-100-on-transformers-five-days-after-begging-for-money.21201/page-6#post-1496271</ref>

{{quotebox|This is going to become a pattern. Chris is going to do one of his 'Let's Plays' followed by an e-begging video and then polish it off by purchasing some dumb thing he doesn't need in excess of fifty bucks. He knows how this system works and it's the greatest amount of payoff with the least amount of work; the first time when Chris played Destiny he made 80$ from Youtube(And was surprisingly pissed it was that small, fuck that, I want eighty bucks from Youtube). Then he makes a video whining about how he needs more money and lo and behold, he gets even more~! If anything people are contributing to his float and that convinces him he can get away with being frivolous that much more. }}

On top of this, Chris has asked for donations, or at least mentioned them, in almost every video he's made in 2016. At first, this was supposedly to fund his production of Sonichu merchandise, but lately he claims that he and Barb need help with paying the bills and buying groceries. While it's entirely possible that Chris is simply lying to get more money for [[Lego|useless]] [[Video games|crap]], this indicates that the financial hardships,  which [[White knights|many]] [[Trolls|people]] have warned him about, have finally arrived. Only time will tell how his financial situation ultimately plays out, but given his attitude and inaction, the future definitely doesn't seem bright.

==Chris and credit cards==
That Chris has managed to acquire several credit cards is very surprising, but the foolishness with which he uses them wouldn't surprise anybody at all. As of [[February 2009]], Chris had managed to rack up $2,000 worth of debt (at the time of [[Mumble 4]], $1,000 of that sum came from the [[PSN]] store, but his bill for PSN downloads increased by the day) and had even stolen his parents' credit cards to use when his own were maxed out. According to an [[Vivian Gee E-mails 2|e-mail Chris sent to Vivian Gee]], by [[January 2010]] his debt was around $3,500 and had apparently been higher at some point in the intervening time.

By that point, Chris's debt had gotten so out of hand that Bob was forced to step in, making Chris reduce and manage on his spending, and forcing Chris to make regular payments to pay off his outstanding debt. Chris, thoughtless and uninterested in the fact that unpaid credit card debt accrues severe interest, had historically made payments in the smallest installments possible.

Chris provided some more details about this situation in his [[Jackie E-mails 6|e-mails to Jackie]] from [[July 2010]]. At some point, Bob paid off Chris's credit card debt and took payment in installments out of the tugboat in compensation. This foolish act of parental financial enabling allowed Chris to avoid the immediate consequences of his gross financial irresponsibility, and resulted in Chris learning nothing about how to manage his own finances, reinforcing Chris's attitude that he should be able to do anything that he wants and not suffer any negative consequences.

===Best Buy MasterCard===
Not surprisingly, it only took Chris a few short months to land himself in more financial trouble. In the [[Matthew Noble call]], Bob himself revealed that Chris had not only acquired a MasterCard charge account through [[Best Buy]], but as of the second week of [[August 2010]], Chris had predictably used it to land himself in yet more debt and had been laden with fees for bouncing a card payment. Bob, delusional and in the throes of some sort of conspiracy paranoia involving the staff and patrons of The GAMe PLACe, claimed that it was most likely [[Michael Snyder]] who had hacked Chris's credit card and checking accounts, though why someone who's been on a manager's salary for several years would bother stealing from any of the near-destitute Chandlers is unknown. 

Also unknown is why ''any'' financial institution would give Chris a line of credit at this point. Bob probably salvaged Chris's credit rating when he paid off all his prior card debt at once, but he angrily claimed Chris ruined it with the Best Buy debt (certainly true), and, in disturbingly Chris-like fashion, seemed to use this damning information to try to make Chris's latest brush with the [[Chris and the Law|law]] seem "petty" in comparison.

There are three possibilities as to what actually occurred (from least to most likely):
* [[Troll]]s achieved this new pinnacle of fucking with Chris and didn't bother bragging about it on some forum or another.
* Some regular criminal's credit card fraud scheme, just by chance, happened to hit Chris.
* Chris blew whatever little credit that Best Buy had foolishly given him, mistakenly attempted to pay off the card with funds from his checking account that weren't there, and then he blamed his debt on trolls, in another transparent attempt to avoid responsibility.

===Revelations to [[Jackie]]===
One of Chris's [[Jackie E-mails 7|e-mails to Jackie]] reveals that Chris acquired the Best Buy charge card without his parents' permission; he only told them about it after receiving 2 bounced check fees that showed up on his bank statement, which his father was actively monitoring. In true Chris fashion, he tried to repay the minimum balance each month. When he was forced to reveal the debt to his parents, Bob was obviously less than thrilled. He promptly took control of Chris's bank account as well as his credit cards. From that point until Bob's death, he received only an allowance in the form of Visa gift cards, leaving him unable to accrue any more debt for a short time. At the time, the prospect of not being able to blow his welfare on frivolities [[Jackie E-mails 8|stressed him out]].

Curiously, even in his private communications with Jackie, Chris claimed that the overdraft fees that gave away the existence of the card to Bob were the work of trolls. Elsewhere in their conversations, however, he recounts other instances of "getting carried away" and accidentally overdrawing his bank account, suggesting that he was just using the trolls as a handy scapegoat for his own mistakes. Considering Bob shared many of Chris's outrageous delusions regarding troll activity, it is difficult to know whether or not he believed Chris's dubious excuse.

After Bob's passing, Chris once again resumed his thoughtless spending, completely disregarding and forsaking any hopes that his late father had had of Chris becoming financially responsible or independent. Chris's acquisition of the PlayStation Vita and over $600 worth of video games for that system were proof that Chris had regained control of his money after Bob's death and resumed tossing it away like it was nothing.

===Discovery sues Barb===
On 19 February, Discovery Bank sued Barb for not paying her debts, leaving them ''even further'' in financial turmoil.

===Chris gets a Credit Increase===
[[File:Transformers fb post1.jpg|thumb|right|200px|Chris bragging about using his credit increase to buy Transformers]]
[[File:Transformers fb post2.jpg|thumb|right|200px|Chris blaming his family's financial shortfalls on his mother's bill payments]]
In [[June 2016]], Chris's credit card company raised his credit limit. Chris reacted to this news by blowing his "bonus" on [[Transformers]] only to later beg for money over [[Facebook]] while blaming his [[Barb|mother's]] bill payments for their financial woes.

==2014==
===June===
Unverified information on Chris's credit card debt was leaked on the CWCki Forums on 4 June 2014. It was revealed that Chris had at least five active credit cards, with at least $7600 in combined credit limit. Of the five known active cards, at least four were revealed to be maxed out, with at least $7400 in unpaid debt between the five cards. It was estimated that the minimum payment on Chris's known debt was at least $220 a month, and it was revealed that the only reason that Chris had been able to obtain the credit that he had was that, historically, he had almost always at least paid the minimum payment each month, although it was implied that he rarely if ever paid more than the minimum.<ref>[http://cwckiforums.com/threads/chris-and-his-finances-an-in-depth-review-of-his-debt.3809/ CWCki Forums: "Chris and his finances: An in-depth review of his debt"] ([https://archive.today/K6R2c archived version])</ref>

Given the Chandlers' financial situation as of June 2014, with most of Chris's tugboat going to help pay essential household expenses, it seems very unlikely that Chris has the financial resources to even pay off a small portion of his known debt, straining to make the monthly minimums each month. In response to his looming debt, instead of seeking financial consulting or trying to get a paying job, [[Chris and his Ego|Chris demanded massive monetary donations on Facebook]], and sought exorbitant prices for his [[Original Sonichu and Rosechu Drawing|crude artwork]] that he was selling on eBay.

===September===
Throughout the summer of 2014, Chris continued to spend thousands of dollars on [[Lego]] and other frivolities, all while whining and complaining on Facebook about his and his mother's poor finances. Chris financed this spending primarily with money from selling custom arts and crafts on his eBay account. Offering free shipping to customers, Chris would receive money from customers, and then pay for shipping out of his own pocket. However, Chris would immediately spend money as soon as it was deposited into his account, often leaving him unable to ship products to customers who had already paid him because of his own financial irresponsibility and negligence. 

When several of Chris's eBay customers filed complaints against him because Chris failed to ship a order as promised and obligated, Chris responded by harassing and trolling the customers, posting their personal information in a public post on his Facebook account. In light of this, Chris's future money making prospects from eBay are dim, as most prospective future customers probably wouldn't want to risk being harassed or scammed by Chris.

All the while, even as Chris's credit card debt continued to spiral out of control, Chris continued to buy thousands of dollars of video games, Lego, and other frivolities. As if this were not bad enough, just days after putting his and Barb's cars up for sale, (at exorbitant prices) Chris went out and bought a 2010 Ford Focus, stating on Facebook that he had been approved for a loan, probably at a high interest rate. 

Chris also stated that paying for insurance on his new car was "killing" him, implying that either the insurance payment was costly, that he was having trouble paying it, or both. It was commonly speculated on the [[CWCki Forums]] that Chris and his mother would be unable to afford to keep the car and that it would be repossessed in the near future.

Chris placed two cars for sale on Craigslist in September 2014. One was a dilapidated, rusty 1997 Cadillac with a cracked engine block that hadn't run in over a year. Despite having a market value (as scrap) of approximately $150, Chris demanded $5,000 for the automobile, insisting that the cracked engine block made the car a great [[Chris and reality|"fixer upper."]] Chris also placed his mother's BMW Z3 for sale, demanding $15,000 for a car that had a book value of approximately $3,000. 

Throughout 2014, Chris continued his foolish behaviors of maxing out all his available credit, paying only the minimums on all his loans/debts, immediately spending money as soon as he got it, and making large, impulse purchases on unrealistic assumptions of future sales and income from various sources. (eBay, car sales, etc) Evidently, even after years of financial hardship, being burdened with debt, and paying a cumulative total of thousands of dollars in interest, Chris has apparently learned nothing about handling his personal finances, and refuses to try to live within the means provided to him by his monthly tugboat.

One dreads to imagine how his financial incompetence will affect him once Barb is dead - knowing Chris, and while it is quite tragic, he'll probably continue in his destructive spending patterns until he loses everything he has, and even then, he'll [[Ego|learn nothing]].

==2016==
{{main|Financhu Crisis}}
In 2016, Chris's e-begging drastically increased, as a result of the Chandlers' stubborn refusal to live within their means. This year saw Chris spend over $1,000 on toys, while both Chris and Barb had court cases resolved which penalized them with steep costs.  In addition, Barb joined in to the begging, appearing in three videos so far.

Chris also lost his Etsy shop, started nine months prior in 2015, leaving him without a revenue stream outside of the tugboat. In July, Chris decided to sell some of his possessions on eBay and continue to offer video messages, arranged through text messages instead of the defunct Etsy shop, for $50 each.

==In the comic==

[[File:Cwccash.jpg|thumb|250px|[[CWCville]] currency.]]
In [[Sonichu (comic)|the comic]] it is clear Chris has no idea how money works. [[Sonichu (character)|Sonichu]], [[Rosechu]], [[Patti-Chan]], and most likely all of the other characters live off welfare, just like Chris in real life. He seems to have no concept of tax, or that it's the [[United States of America|American]] populace who pay for his [[Kimmi|bullshit]]. Sonichu and Rosechu are living in a two-story house with an attic offered by the city and they are [[Mailbag 21#Home economics|"paid" in average]] of US$3,500 a month just to hang around. And maybe for the occasional [[Sonichu 9|city defense]] or [[A Sonichu Day|errand]].<ref>[[Mailbag 21#Home economics]]</ref>

In [[Sonichu_9#Episode_19:_Date_Ed_.28Even_Though_the_Idea_Sounds_Dated.29|Episode 19]], it's shown that CWCVille actually issues its own currency, in the form of C-Quarters and W-Quarters. Ten C-Quarters make up a W-Quarter - don't bother asking how that makes sense in any way, considering [[honor roll|what the word "quarter" means]]. (Our best guess: C-Quarters = US$0.25, W-Quarters = US$2.50) Nor does it explain why fines are levied in U.S. dollars: perhaps to bolster the dictatorship's foreign currency reserves, ''à la'' [[Wikipedia:North Korea|North Korea]].

This makes even less sense considering [[CWCVille]] is part of the [[United States]]. States, let alone cities, cannot print their own money, despite holding considerable power over their own affairs. The Constitution expressly forbids anyone else other than the federal government from issuing currency. However, it has been somewhat common for companies, communities and local governments to issue localized currency known as 'scrip', a depression era practice still seen from time to time. [[Chris]] being Chris, and likely reading [[Goosebumps]] instead of paying attention in class likely is wholly unaware of this information.

On the [[CWCipedia]] article on Sonichu, Chris wrote that [[Rosechu]] is usually the one who cooks for her family, but when Sonichu cooks for his wife and [[Sonichu and Rosechu's children|kids]] he "will go as HIGH in portions as a Banquet", even though he only cooks for five individuals.<ref name=>[[CWCipedia]] on [http://archive.sonichu.com/cwcipedia/index.php?title=Sonichu#Married Life and Children Sonichu]</ref> This suggest that Sonichu is just as frivolous with money as his father.

===Soup hotels===

Chris shows us his complete misunderstanding of the stress his ideas would put on the American [[Wikipedia:Social Security (United States)|Social Security]] system if he was left in charge of it in a text called "[[A Sonichu and Rosechu Christmas Story]]." This is where the idea of "Soup Hotels" came from.

{{quote|Even the homeless have a place to stay in the ten Soup Kitchens/Hotels.|Chris with a very bad idea [http://leoweekly.com/news/left-wayside that has come to fruition in one American city...]}}

Chris depicts "Soup Hotels" as buildings ten stories tall with between ten and twenty rooms per floor, equipped with single bathrooms, beds, lighting and cable television.<ref>[[Mailbag 20#This still implies that CWCville has a massive homeless problem]]</ref> Of course, the homeless stay there for free. So, instead of building homeless shelters with dormitories, common rooms, and shared TV sets, Chris thinks the homeless should be treated to all the comforts of a ''bona fide'' hotel. This means that, in [[CWCville]], there are around 1,500 homeless people left outside. This might be the result of the local industry, choked by heavy taxes needed to pay those social expenses, being unable to make a profit there and thus moving away.

In [[Sonichu 10|''Sonichu'' #10]], [[Ultra Sonichu]] and a bevy of [[Rosechu (species)|Rosechus]] stop at a soup hotel. The building is labeled Soup Hotel 17, implying that [[CWCville]] has had to open at least seven new homeless shelters in the span of a month, or they're just bad at numbering the things. Or more tellingly, that the economy of CWCville is crashing to the ground, fast.

==In other works==

In [[Mailbag 29#In which Chris loses his mind|Mailbag 29]] he stated that $10 an hour is a reasonable price to pay for sex with a prostitute. To show his further ignorance of simple economics, Chris proposed a chain of state-run brothels where this shockingly inexpensive fee would not only pay women for sex, pay the salary of a pimp, pay for STD testing for the prostitutes, but would also pay for free [[Dating education|Sex Ed classes]] for [[virgin]]s. 

In real life, according to Chris, he tried to scam his way out of paying for sex with a Craigslist [[Chris and sex#Prostitution|prostitute]] who was charging $100 per hour by telling her about the trolls, his life story, and his many personal problems. The prostitute hung up on him according to him.

In late [[October 2011]], Chris posted a Craigslist ad for a 12-year old 32" CRT television and expected a non-negotiable $250 for it;<ref>[[Craigslist#Television]]</ref> in reality, this is about the price of a new flatscreen HDTV of that size, and he would be lucky to get a tenth of his asking price.

Chris also proves us that, in the possibility of being part of a family, he wouldn't be the main purveyor. In the [[PlayingHouse]] video, his [[sweetheart]] of [[Jackie|the moment]] is portrayed as a successful journalist with high ambitions while he's a [[14 Branchland Court|stay at home]] Dad. Even then, he portrays himself doing "hard work" like [[DIRTY, CRAPPED BRIEFS|changing diapers]] and watching over the kids. In this last role, he's so incompetent that he needs to recruit his [[Crystal|preschool daughter]] to watch over [[Reginald Chandler|his son]] while he's shopping. This is paralleled by his real life situation - with [[Bob]] gone, one would assume that he'd be the "man of the house" and assume some responsibility for once. Unfortunately, as evidenced by his [[This is how the Trial went|admission in court,]] Barb is still pulling his ass out of any such concept by paying his court fees. Keep in mind that, by extension, Chris is being minded by an ailing woman's retirement money which was used to bail him out of a mess that ''he'' started, while he wastes his own money on meaningless frivolities.

== On TV ==
In [[Mumble 6]], Chris discussed making a TV show called ''The Chris Chandler Show''. One of his demands was the show should not have any commercial breaks, either showing a distinct lack of understanding as to how a TV station makes money, or perhaps he plans to sell the advertising fees to a single company so that they can play a long ad in the beginning of the air time and leave the rest of the show uninterrupted, ''à-la'' the season premieres of [[wikipedia:24 (TV Series)|''24'']]. We cannot know for sure, but he has probably seen at least one show that has done this, and gathered the idea from there.

== Conclusion ==

Given Chris's carefree abandon when it comes to his spending habits, many are actually concerned as to what will happen to Chris when Barb passes on and he has to fend for himself. If past (and present) experiences are any indication, it's that if Chris continues on his path of not saving his money and spending it on frivolous crap that he doesn't need, he'll wind up broke and in severe debt. A [[Mumble_4|past conversation]] with [[Clyde Cash]] revealed that he doesn't even know the basic expenses that go into running a household, and we all know how Chris's plan of [[PlayingHouse|marrying a sweetheart to dump all of the financial responsibilities on her]] will [[Sweetheart#Will Chris ever have a Sweetheart?|turn out.]]

Long story short, if Chris doesn't start saving for his future now, then when Barb finally passes on, he won't have one to look forward to. And he'll have nobody to blame but himself. ''(Not that he won't try, of course.)''

==See also==
*[[Monthly tugboat]]
*[[Financhu Crisis]]

== References ==
<references/>

{{Chris and}}