1. Brads Annuity
Brad was awarded a lifelong annuity for damage caused during his birth (arm/hand)
The amount of the anuity was roughly USD$1,750 per month
Brad sold this annuity until 2040 for ~USD$40,000 and spent roughly half of that on a new vehicle.
Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$315,000.
Brad says that the annuity had been lowered to ~USD$300 via a string of "bad financial decisions I don't want to talk about" the only confirmed one of these decisions was the purchess of a toyota corolla in which Brad would constantly get speeding tickets becuase it was too fast. Other bad financial decisions could include the Stripper/Drug mule arc. This seems to be totally reasonable at the NPV of his annuity at 300 a month would be $54,000.
2. Government Assistance
Brad applied for government assistance in mid-late 2021 at the behest of Horse.
He was denied due to not possessing enough work credit
There are several reasons why governmental support will be difficult for Brad to acquire: 1. His application is very late compared to when the disability was acquired 2. Brad has previous work history which makes claiming that his disability efffected him severely from birth difficult. 3. Brad is too lazy to earnestly pursue this.