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00:00If our debts are getting worse, why are we hoping more access to lines of credit?
00:03We initially got it because the cashbacker is going to use the cashback to pay for Christmas the following year.
00:09And her birthday.
00:10The f*** are you talking about? Walk me through the math, please.
00:14Let's see 2025's Christmas paid by the cashback, of which is only 5% cashback on the Amazon card.
00:19Actually, no. Can he have the whiteboard? I want him to draw how he thinks this works.
00:25It made sense to me.
00:26It has a $5,000 limit.
00:28So, if we get to the $5,000, 5% of that, over the course of a full year, though,
00:36I mean, initially we were going to pay it off every month.
00:39Well, of course. That's everyone's little grand strategy.
00:42Times 12.
00:45So, that's...
00:47$2,400.
00:545% of that.
00:56My math is terrible.
00:57Is the logic making sense so far, wifey?
01:00Looking over the husband's shoulder.
01:03Whoa.
01:04You don't know anything about your finances, but here's his logic that he used with your money.
01:09No, the logic that he...
01:11He didn't draw it out for me like he is with you, but the way that he explained it to me was that since Christmas is in December and her birthday is in May,
01:19then we can use the cash back that we get from all the purchases to pay for birthday presents and then the cash back that we get from May to December to pay for Christmas.
01:29And that would be pretty much...
01:31I don't know.
01:31So, is this logic making sense?
01:33So, does that make sense?
01:34It made sense...
01:35And how do we do that to make that work?
01:37We spend money...
01:39On the Amazon card...
01:42So that we can get the cash back.
01:45It's like free money.
01:47I think.
01:48But...
01:49But we're supposed to pay it off.
01:51That's the problem.
01:52Let's see.
01:53Okay.
01:54That's curious because right here, I see interest accruing.
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