Financhu Crisis

Ongoing The things described in this article are still happening, or are still being looked into. As a result, it may be subject to frequent change, and the information provided may not be entirely reliable.

“	I do not feel I would be mentally suited for an application-required, long waits to be contacted or not contacted, "am I hired yet", under "The Man", Freaking job!!! Stop Telling me to "Get a Job". Gawd!!!	”
Chris, April 2017, after his friends on Facebook refused to entertain his nonsense excuses for not having a job.

Chris's online activity for much of 2016

The Financhu Crisis is a term coined by users from Kiwi Farms to describe the steep decline in the Chandler family's financial management beginning in early 2016.

Signs of the Chandlers' worsening finances were made apparent by the increasing amounts of begging videos and donation requests on YouTube and Facebook.

Given that Barb is elderly on a fixed income, and Chris is lazy on a fixed income, one could only bleakly speculate what will happen when Chris is eventually left to fend for himself once Barb passes away.

In June 2017, Chris began to take his Patreon account more seriously and recommenced drawing Sonichu comic pages. He has gotten several hundred dollars per month for his efforts. As a result, the begging has subsided.

Background

A wordcloud of the videos and Facebook posts Chris made during the Financhu Crisis. Note how big "money" and "donations" are...

To this day, the Chandlers' financial woes are caused by their own irresponsible behaviors. Chris, learning absolutely nothing over the years, has squandered any available money on children's toys, video games, fast food and sex toys. Barb, on the other hand, has simply been ignoring long-term debts and letting them pile up to alarming amounts, armed only with vain hopes that her manbaby would raise money for her bills.

Chris has made some efforts to generate income for the household over the past few years (bar that of actually finding a job), which included opening an Etsy shop in 2015. However, any profits gained would immediately go straight to toy purchases, an irresponsible move that would to turn out to be a recurring problem that keeps the Chandlers in the red. The shop would eventually shut down from Chris lazily not fulfilling Etsy orders, but he would still find some revenue by the occasional eBay sales of select merch from the hoard. To further compound the issue, Chris has been instilled with a very real belief that fans are willing to drop large sums of money into his bank account for nothing, an expectation that has since been strengthened by the $1,000 donation by DStecks in September 2015. This belief would take on the form of the many begging videos that highlight the saga to this day.

Barb seems to have outstanding debts that dwarfs Chris's financial handiwork. On September 2016, she faced lawsuits from Discover and Capital One for failing to pay the large amounts of her credit card debt, according to Virginia District Court records. It is worth noting that it takes a lot of ignored debt collector calls over a long period of time to get a simple credit card debt escalated to a lawsuit, suggesting that Barb may have been outright ignoring making any payments to her credit cards. Only time will tell if more creditor companies begin to sue Barb for her neglect. In August 2016, Chris revealed that the household is still under a mortgage of $115,000, introducing a far more worrying debt looming over the horizon.

Both Chris and Barb continue to barely stay afloat with their lives thanks to their own tugboats, but their inactive lifestyle and reckless spending will not last forever at this rate.

Despite it all, Chris has not once attempted to find a job. In April 2017, with the household finances near the breaking point, one of Chris's IRL friends informed him of DARS, a service designed to help people with disabilities enter the workforce. Chris reacted with a temper tantrum, posting a multi-paragraph rant on not wanting to work.

Outstanding debts

This table summarizes various unpaid debts charged to credit cards and other owed amounts between Chris and Barb. Keep in mind that these are only amounts found by Christorians via Chris' online posts and Virginia District Court public records.

On 30 November 2016, Chris started a Patreon with a goal of $250,000; he estimates $200,000 to pay off the mortgage and other debts, plus an extra $50,000 for himself, just because.

Date	Item	Amount ($)
Ongoing	Credit card debt	6,000.00
24 September 2014	Loan for Son-Chu	9,000.00
1 March 2016	PS4 purchase (via Fingerhut.com)	540.00
16 March 2016	Discover Bank court case	4,706.93
16 April 2016	Payday loan	3,000.00
Ongoing	Mortgage (revealed on Facebook)	115,000.00
14 September 2016	Capital One court case	15,906.99
Total		$154,153.92

Chris's frivolous spending

A recurring theme throughout the Crisis.

Like any terminally irresponsible adult, Chris likes to keep his bedroom filled with toys, while keeping his wallet empty. Below is an list of the known expenses Chris has made during the Financhu Crisis, collected from online postings and eBay purchase history. Some amounts are estimated, but all amounts are debilitating.

During 2016, Chris was known to waste over $2,500 on toys.

Item	Amount ($)
New PS4 console	540.00
About 30 game purchases for the PS4	600.00
$350 Ghostbusters lego set, bought on eBay for higher	425.88
Transformers action figures	587.00
Naru, a dakimakura (or hug pillow)	90.00
Skylanders toys	195.00
Pokemon merchandise	181.79
Amiibo (Smash series "Pit")	12.99
"I'm Done Adulting" T-Shirt	23.99
Lego Dimensions (assorted sets)	238.00
My Little Pony-themed card sleeves	13.54
14K yellow gold Cleopatra bar 16" necklace	399.99
Skylanders avatar products, for use as raffle prizes	750
DoopieDoOver artwork	80
Total	$4,138.18

Why Chris refuses to work

Despite actively begging for money for over a year and a half, Chris did not attempt to get a job. One of his IRL friends, a woman from his Pokemon club named Alexa P., became concerned after seeing Chris repeatedly beg on Facebook. She suggested, in November 2016, and again in April 2017, that he contact one of her family members who works at Virginia DARS, a government service that helps disabled individuals find work. At the first suggestion, Chris didn't follow through, and at the second, he fired off a rant about why he was unwilling to get a job, and Alexa then gave up trying to help him.

In his rant, Chris gave the following flimsy excuses:

• Busy with helping Barb and the pets.

• Trolls ruined his "background check"/reputation.

• Risk of being discriminated against for his Tomgirl gender.

• Stress

• Fear of being incompetent.

Months later, in October 2017, Chris reiterated his excuse of helping Barb and the pets, and added another:

• His passion for, and psychic connection to, his imaginary friends in CWCville.

None of his claimed reasons hold any weight.

Despite his professed concern for Barb and the pets being his top priority, he had no qualms about going on a three-day trip to another state without bringing them along in August 2017.

A "background check," as explained by Jackie and Kim Wilson many times, only applies to legal records, and Chris's misdemeanors would not prevent him from getting a job. Furthermore, Chris's legal name during the Financhu Crisis was Christine Chandler, and since most of his history being trolled is tied to his former Christian Chandler name, Google results for his current name greatly de-emphasize the trolls' influence. In addition, fellow lolcows like William Elliott Waterman and Kenneth Englehardt also have their names linked to their internet shenanigans, yet they have gained employment.

Discrimination on the basis of gender is illegal. Charlottesville is a fairly liberal city, so his trans identity should not be an issue.

Getting a job would have reduced his stress over needing to beg in order to afford more toys.

His excuses on being fearful of making mistakes and his obsession over his imaginary friends are blocks set down by his own mind - revealing that, rather than growing up and assuming responsibility for his future, he would rather remain a manchild forever.

2016 timeline

March

• 1st - Chris buys a PS4, worth $540, from Fingerhut (using a credit card).
• 16th - Barb is found guilty in a debt case involving Discover Financial Services. The judgement states that she owes $4,706.93.
• 19th - Chris spends $425 on a single Lego set, available for $75 less on the lego website.

April

• 12th - Chris begs. This video is notable for being the first video devoted to asking for money.
• 16th - It's revealed that Chris borrowed $3,000 from a payday loan.
• 24th - Chris begs again, this time without offering crafts in exchange.

May

• 4th - The donations listing on Chris's Etsy shop is removed, presumably for violating TOS.
• 9th - Chris spends $60 on his waifu.
• 23rd - The Chandlers pay $616.52 for the first half of 14BC's 2016 property tax.
• 23rd - Chris begs for bananas. He also announces the debut of a Support button on his Youtube channel to replace the Etsy listing.
• 25th - Chris begs in a Facebook post while reminding readers that Etsy removed his donation listing and that he has a Support button on Youtube instead.
• 26th - Chris begs on Facebook, links to his game stream of Uncharted and repeats his statements from the 25th.
• 28th - Chris spends nearly $100 on Transformers.
• 29th - Chris spends another $30 on his waifu.
• 31st - Chris spends $150 more on Transformers.

June

• 8th - Chris's Etsy shop is closed, presumably for failing to send orders.
• 11th - Chris begs for money in the same video in which he announces that his shop is closed. Starting from this video, Chris adds his begging to the video descriptions.
• 14th - Chris begs to have $100 for Barb's asthma medicine, in two videos which feature Barb.
• 17th - Chris begs to have $200 for an electric bill, while reading a fanfic called "Unicorns, Rainbows, and a Bluebird of Happiness".
• 19th - Chris begs, again saying he wants $200 for an electric bill, and also wanting food money, while reading another chapter of Bluebird.
• 19th - Chris wants to become a prostitute, in an attempt to get both money and china.
• 26th - Chris begs his half-brother Cole Smithey for financial help, while simultaneously insulting him for "pissing and burning" the money he earns from working as a movie critic on apartment rent.
• 29th - Chris begs, saying that even though he got donations, he wants more because "we could still do better", before reading the third chapter of Bluebird.

July

• 1st - Chris pays his $541 court costs for pepper-spraying a Gamestop employee in 2014.
• 8th - Chris begs while reading chapter four of Bluebird.
• 9th - Chris begs in a long rant, saying he is stressed from dealing with finances. He mentions a mortgage among the bills. He wants food money for himself, Barb and their pets.
• 10th–11th - Chris begs in a series of four videos, wanting $20 or $50. He demeans himself on camera to get people to donate. Finally, he thanks people for sending the "minimum $20" before begging to have money for Barb's teeth.
• 13th - Barb begs to have money for her dental work.
• 13th - Chris finally decides to sell some of his toys to raise money. He lists one Pokémon card on eBay for $50.
• 14th - Chris lists two more Pokémon cards on eBay, for $100 each.
• 15th - Chris begs for food money in a Facebook post, complaining that people aren't willing to donate anymore.
• 18th - Chris begs for money in the same video in which he reads an anniversary dedication, while expecting to be paid $50 for it.
• 18th - One of the $100 Pokémon cards Chris listed on eBay is sold.
• 20th–22nd - Chris produces eight videos to earn money from his fanbase.
• 23rd - Chris returns to begging on Facebook. He also announces that "this window is for Donations Only. No video requests until further notice", after his YouTube account receives its second strike against it for violating policy on "nudity or sexual content" after a video he uploaded on the 22nd got reported. He also begs to a Kiwi Farms user named crayolasword who asks him about the situation.
• 24th - Chris announces on Facebook that he has grown a labia using subliminal frequencies found on YouTube. He also requests donations for gender reassignment.
• 26th - Three days after being barred from uploading videos to his CwcvilleGuardian YouTube account, Chris circumvents the ban by uploading to another account, restarting the Paid Video Requests program and accepting offers for $10-$50.
• 28th - Chris makes one sale on the video program.

August

• 

  Capital One Bank vs Barb

• 

  Chris fined - No county dog tag 2

• 

  Chris fined - No rabies certificate 2

• 4th - Barb is sued by yet another bank. The hearing will take place on September 14th.
• 5th - Chris pays $121 in court costs and fines for failing to acquire proper certifications for his dogs.
• 5th - Chris begs for donations in a Facebook post and asks for tubes of Oestrogel to be sent to him.
• 9th - Chris relists the Birthday Pikachu card on eBay for $500 and begs people to "Buy It Now and help me and my family". He also offers a VHS tape of Aladdin for $3,000.
• 11th - Chris begs Cole Smithey for financial help again, this time by saying, "Hey! Cole!!! Get off of your ass and apologize and make peace with us here, In Person, and Help Us Financially, Please".
• 14th - A buyer purchases the Megatron pistol from Chris, netting Chris $50. It's the first Relic of Fail to be sold during the Crisis.
• 31st - Chris begs his audience on Facebook to pay his mortgage of $115,000.

September

• 

  Capital One Bank court ruling.

• 12th - Chris is spotted and photographed at a Toys "Я" Us buying two tins of Pokemon Cards, two days before his mother goes to court.
• 14th - Greene County's court rules that Barb owes $15,906.99 in unpaid debt to Capital One bank.
• 19th - Chris begs in a Facebook post, while showing off his new pet cat. He wants money to cover bills for the second half of the month, one paragraph after stating that he needed "allowance fun" to get a break from stress in the first half of the month.
• 27th - Chris claims in a video that the "fickle finances" are improving for him and Barb, shortly before playing with his newly-bought Transformers toys, showing that he is unaware or does not care about the fact that his mother legally owes over $20,000 as a result of the two lawsuits filed against her in 2016 or that the property tax for their house will be due in two months.

October

• 18th - Chris resumes begging in a video, saying that he is sick and that he is running low on chicken noodle soup and money. Notably, he had spent $160 buying Transformers toys on Ebay in the weeks beforehand.

November

• 

  $0.01 donation

• 9th - Chris, in response to the election, films a video of him destroying a Transformer toy that is meant to represent Donald Trump. The toy was part of the Transformers toy purchase back in September, costing him $25.
• 18th - Chris spends $90 on Pokemon and Transformers.
• 21st - The Chandlers pay the second half of their 2016 property tax for 14 Branchland Court, costing them $616.52.
• 21st - Chris makes another video to beg for donations again. He also posts to Twitter, saying, "We need more money, please. The Mortgage people are kicking us again. Please send money to me via PayPal".
• 22nd - Chris reacts to a penny donated by a troll, tweeting, "We need Donations larger than a penny apiece. Please try to give us $10 or a Lot more than that".
• 30th - Chris posts that he will join Patreon, after Barb had to pawn a necklace, which she had to sell at a significant loss for $325, to pay debts/bills.
• 30th - Chris updates his Christmas wish list, to remove the $50 Transformers toy, named "Alpha Trion and Astrotrain", which he had bought. He does not pawn this, or any of his other toys, to help Barb; instead, he makes a video of himself playing with it.
• 30th - Chris launches his Patreon account. He states that he wants $200,000 to pay the "home's finances, including the Mortgage and Credit Cards". He also says he wants an extra $50,000 for "rainy day(s)"

December

• 1st - Chris updates his Patreon with more gifts, consisting of merchandise from Skylanders customized to appear like his in-game avatar (which would be produced by that company) and clarifies that he wants $250,000 total, rather than per month, showing that he still has unrealistic views on how much he can scam out of people.
• 2nd - Chris uploads Alpha Trion/"Young" warrior challenge explained, in which he plugs his Patreon channel while playing with expensive Transformers toys.
• 19th - Barb wants to sell a riding lawn tractor for $595.

2017 Timeline

January '17

• 4th - Chris whines about having "head of household worries", like the bills and debt; however, instead of Adulting and applying for a job, he begs to have $500 a month.
• 13th - Over three weeks after the original lawn tractor ad was taken down from Craigslist due to a ween, Chris finally realized what happened and re-posted it, still asking for $595. In the meantime, he had bought over $100 worth of Pokemon and Skylanders toys and had made videos of himself playing with them.

February '17

• 16th - Chris uploads A browsing around an ol' playground, in which he begs for money before showing footage of himself walking around a playground.
• 17th - One day after begging for handouts of $10 per person, Chris plays a newly-purchased video game level for Lego Dimensions, The Lego Batman Movie Story Pack, which had been released on 10 February with a cost between $35-$50.

March '17

• 1st - Chris offers parts of Bob's stamp collection for sale.
• 2nd - Chris spends $50.25 on toys after making $68 (minus the cost of shipping) from selling his father's stamps.
• 3rd - Chris lists his personal stamp album for $1,000.
• 7th - Chris buys Lego World for the PS4 on its release date for $30, erasing the last of the profit he had made from selling stamps, even though he had claimed to need the money for paying bills.
• 13th - He spends another $9 on Transformers.
• 19th - Chris begs on Facebook for people to buy more stamps, saying "My mother and I can Really do with the money". At that point, he had made $85 in sales then quickly spent $90 on toys.
• 19th - White knights spring into action and purchase seven stamps, totaling $41.50. Five were bought by a single person (at $34) and the rest ($7.50) by two others.
• 19th - Chris lies about wasting stamp money on toys, claiming in Facebook's comments section that he "did NOT buy any lego sets" and that the money went towards "our debtor payments" instead.

April '17

• 4th - Barb's bank account is over $800 in the red after making two payments to Seterus, Inc, a loan servicing company - likely a result of failing to juggle both a past-due account and the autopay feature.
• 5th - Chris throws a tantrum at his Facebook friends after they suggest he get a job and begs for sales on his "high priced" stamp covers.
• 6th - Chris tweets to Cole Smithey, asking for financial help.
• 7th - Chris lists the Sonic Totem on eBay for $1,500. It sold within 4 hours. It is also discovered that the value of 14 Branchland Court has decreased by $3,248 in the past 30 days, according to Zillow.com.
• 7th - One hour after the Totem sale, Chris buys a $400 necklace for Barb, to replace one she pawned in November 2016. During the next three days, he orders $750 worth of Skylanders avatar products for his raffle prizes.
• 10th - Chris implores people to buy his $1,000 stamp album, because he had already spent the money from selling the totem. He also states he will mail it later in the week.
• 14th - Barb begs, claiming she needs money to pay an overdue power bill, while wearing the $400 necklace Chris had bought her a week before. Six hours later, Chris records a 23-minute video of him playing with expensive toys. He also explains that he had used part of the Totem sale money to service his credit card debt.
• 17th - In a sign of desperation, Chris slashes the price on his stamp album by half, to $500, and begs people to buy it.
• 18th - Chris begs to Cole for the second time this month.
• 19th - Chris's Paypal account is in the red by over $1,450, because he had failed to ship the Sonic Totem; as a result, the buyer filed a dispute and eBay or Paypal placed a temporary hold on the $1,500, pulling it from Chris's account.
  He lists six Sonichu drawings, from 2014, at $2,000 for the lot.
  Then, he digs through 10 to 20 bags of wet, moldy clothes, left over from the Destruction Of Chris's House three years before, and finds The Classic shirt. He lists it on eBay for $12,000 (or a Buy It Now price of $20,000).
  Later, he records Live Game Stream - C-Log 04192017 - The Shirt to promote the listing.
• 20th - Barb bails herself and Chris out of imminent financial ruin by borrowing from their life insurance, repeating a move she pulled in 2014. This time, she uses the cash to fix the $800 deficit on her bank account, pay for Chris to ship the Sonic Totem to its buyer, and buy groceries.
• 21st - The Sonic Totem buyer receives it in the mail and leaves positive feedback, saying, "The item arrived safely". Since the dispute was resolved, the sale money was then released to Chris, putting his Paypal back in the black.
• 22nd - The auction for the Classic Shirt concludes, bid to $25,100.
• 27th - Chris asks people to buy his stamp album for $500, since his bank account is still in the red. He also mentions that the Classic Shirt buyer had not paid him $25,100 for it yet, and he would give her until the next day to begin paying.
• 30th - The raffle concludes. Chris had revenue of $165.76, but spent $790 on prizes and is obligated to spend $90 more, leaving him with a negative profit of $714.24.

May '17

What Cole would have seen if he had clicked on the Paypal.me link Chris tweeted to him while begging this month.

What Cole would have really paid.

• 5th - On eBay, Chris halves the prices on two listings: his stamp album (again), to $250; and a collection of Sonichu drawings from 2014, to $1,000. He begs people to buy on Facebook.
• 5th - In a display of hypocrisy, Chris mocks Cole Smithey on Twitter for requesting donations on Patreon.
• 5th - Chris claims his bank account is in the red for the second time in a week due to the auto-pay for one of his bills, echoing the exact problem Barb claimed in the previous month. Chris's Monthly Tugboat had deposited $1,300 to him two days beforehand.
  He also realizes that The Classic bidder won't be paying for it.
• 8th - Over the course of a week, Chris had spent $90 on six new PS4 games, even though he had said his bank account was in the red. PSN allows Paypal for purchases, so Chris was either lying or being financially irresponsible by using his Paypal to fund the purchases instead of transferring the money to his bank.
• 8th - After 561 days since the last update to the Sonichu comic, which he had been paid over $1,000 to do, Chris resumes work on it. He requests donations and pledges to his Patreon for his effort. A day later, he had gotten zero new pledges.
• 10th - Chris again halves the price on the Sonichu drawings, to $500, and begs for a sale, stating, "my mom and I could do with some more money, please".
• 11th - Chris links to his new Paypal.me account and begs for financial help.
• 11th - Barb is allowing her bank account to be in the red after a mortgage payment. Less than a week after mocking Cole for not reconciling with Barb, Chris begs him for money, asking for $1,000.
• 14th - Another livestream of Chris drawing Sonichu comic pages is recorded, clocking in at 1 hour and 38 minutes of footage. Chris begs for $10 donations or pledges to Patreon in the video description.
• 15th - Chris records himself using Photoshop for an hour and a half. He begs for his audience to "PLEASE DONATE BIG NOW!" It should be noted that he filmed himself surrounded by expensive electronics, such as the PS4 camera and laptop (possibly a newly-acquired one, as it had not been mentioned by Chris before).
• 16th - Chris tries to beg from Cole again, still asking for $1,000.
• 17th - The Chandlers pay the first half of the 2017 property tax for 14 Branchland Court, costing them $606.83.
• 19th - After announcing that Sonichu 11 pages will be ready in a few days, Chris begs for handouts. Later that day, he discovers that his cat, Sorbet, had been seriously injured and takes him to a vet.
• 24th - Chris begs for handouts on video, claiming to need money for food and mentioning that he was charged $160 for Sorbet's vet bill. He demands for donations to be at least a dollar and suggests a $10 minimum. An hour later, he uploads another video, angered at having received a donation of less than a dollar. In the second video, Barb appears and joins in the begging, requesting money for meal replacement shakes.
• 25th - Chris links to the first of the previous day's videos on Facebook and begs again. He also deletes the second video.

June '17

• 16th - Barb begs for food money, while wearing both a $400 gold necklace and a pearl necklace. Shortly after, Chris posts an in-progress Sonichu page to Patreon and begs on that platform for grocery money.

July '17

Mariner Finance vs Chris

• 11th - Mariner Finance sues Chris for unpaid debt.
• 22nd - After a month without begging, due to a boost in Patreon funds after Chris revived the Sonichu comic, he begs for $50. He had given that amount to DoopieDoOver earlier that month as a pledge on her Patreon.

August '17

Verdict on Mariner Finance case

• 1st - Chris pledges more money to DoopieDoOver's Patreons, hoping to receive anthropomorphized lesbian My Little Pony porn in return. Doopie, aware of Chris and Barb's financial straits, offers to refund Chris's payments to her, but he refuses.
• 11th–13th - Chris makes an expensive, three-day trip to BronyCon in Maryland. Kiwi Farms users have estimated the cost of such a trip to be at least $600.
• 24th - A "case dismissed" judgement is given for Chris's unpaid debt case with Mariner Finance.

September '17

• 1st - Chris donates $20 to Red Cross to help victims in the wake of Hurricane Harvey in Texas after seeing a message from Tara Strong on Twitter.

October '17

• 9th - Chris records an updated intro for his Patreon, stating that he still needs the income from it for bills.

See also

• Chris and money - A more general overview of Chris's finances
• Chris and business - Chris's attempts to make money outside of begging
• DStecks - Some argue that his donation inspired Chris's shameless begging