Eddie a.k.a "Stud" due to his GQ-like fashion sense and "ability" to get any girl (regardless of marital status or shoulder size) is a recent college graduate who is currently looking for a full-time job that will jump start his career. Until he finds that job, his main source of income comes from his part-time job, which is working security at the Wachovia Center.
Stud believes he spends to much money on drinking at bars/clubs, clothes, and little things he likes to call "impulse" purchases. He essentially blames society for this overspending, as he feels like he needs to always have the newest clothes and go to the "hottest" clubs on the East Coast. Overspending to him is spending more than he makes.
Stud read about a couple money-saving methods that he found in a Men's Health magazine, but he says he can't really remember the particulars. All he knows is it had to do with "cutting corners" and it didn't work for him. His current method is to mentally be aware of his current finances, so that he knows whether or not he can "afford" to buy something, but that isn't working either because when he wants something he just has to get it even when he knows it is just going to put him in greater debt.
Stud has relatively modest short-term and long-term goals. He just wants to be "comfortable" with his financial situation. He wants to be able to buy the majority of what he desires without maxing out his credit cards or applying for a second mortgage on his house. When asked what he would do if he were able to save some of the money he is currently spending, he naturally replied that he would spend it.
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