00:00Because you have $152,000, $27,000 in bad debt.
00:08That is a number that just shouldn't even be considered as a number for someone in your age.
00:17You can't take responsibility.
00:21The future is just not there.
00:24Yeah, I'm, you know, I keep thinking about the worst case scenario.
00:28What, bankruptcy?
00:30Yeah.
00:32That'd be really tough to go through at $25,000, but...
00:34Especially with my car, too.
00:35I think that's what's kind of stopping me from going that route.
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