00:00so in 2020 i filed for bankruptcy because i had a hundred thousand dollars in debt
00:04a hundred thousand what was the debt credit cards mostly why would we have credit cards today then
00:10if without changing your behavior and you had to go through bankruptcy it is a lot less debt now
00:15no because you went through bankruptcy but why are we back in debt i just really like payment plans
00:22go ahead tell me why do we like payment plans what is your logic behind there the idea is i can get
00:28what i want right now and pay for it later you only did the first part and you're only doing the
00:33first part so you don't even do the thing you like wow okay so like literally the basic definition you
00:39just told me what a payment plan is yeah and that's why i like it but you didn't pay for it
00:44later you declared bankruptcy that was then you're headed there again what the are you talking about
00:50oh that's funny we're destroying our life and we're not getting to the goals we want to get to that's
00:53hilarious
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