00:00you have so much debt for a 26 year old i mean it could be worse it could always be worse of course
00:05that does not justify having it it's not about it being worse or the ability to be worse it's
00:12better than i it used to be what did it used to be then possibly because again i've seen another
00:1618 loan here we're about to be on the fourth loan of you barely through your 20s what the good thing
00:22is is i no longer can have credit cards so so it's not even you changing behavior it's literally the
00:27fact that you do not have access to the ability to borrow unlimited money cards it helps out yes it's
00:34a forced mechanism but what about your behavior and maturity how about that it could be worse it
00:39could be worse but only by the limitations of the system is why it's not worse so why would we be
00:45proud about it could be worse because it couldn't be worse from your own actions it couldn't you're
00:50not allowed to be because you can't qualify for anything probably your debt to income ratio is
00:54probably considered
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