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Transcript
00:00You can't have access to credit cards.
00:01You know what the f***ed up thing is?
00:03I paid off my credit cards and I cut them up.
00:05When?
00:06How many?
00:06All of them?
00:06Before I got laid off.
00:08Oh.
00:08You did not build up literal tens of thousands.
00:11I took a loan to pay them off.
00:12I don't know how much I actually racked up.
00:16Are you saying when you paid them down you took a loan?
00:19Yeah, like I...
00:19You didn't pay them down, lady!
00:21I consolidated them.
00:22Lady!
00:23You just moved the debt somewhere else and then you built them right...
00:25If I met with you before that,
00:28I would have said do not do the consolidation.
00:30Consolidation is great for a lot of people.
00:33But not until you build the discipline that is necessary to actually get out of debt.
00:38Because then you will have proven to yourself that you will not get into it again.
00:43You didn't actually pay off any f***ing cards.
00:45You moved it!
00:46You f***ed yourself!
00:47We should have met a month ago.
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