00:00I opened a new credit card.
00:01Why would you be opening a new credit card?
00:03Two kids!
00:04What's your retirement looking like?
00:06You've been in retail forever.
00:07I was in restaurant management before I went to retail.
00:10Okay.
00:10And I had a retirement fund with Panera when I worked there.
00:14And so after that, I stopped working for a little bit whenever we moved here to stay with the kids.
00:20That didn't work out, so I started working again.
00:23And then I don't know where that retirement fund...
00:26Contact Panera.
00:27Their corporate?
00:27Yeah, to see where their 401ks are traditionally managed, and then they'll get you in contact with that management company.
00:33I don't know how to move that over.
00:34So you're telling me there's probably like $1,000 in retirement?
00:37It's like closer to $3,000.
00:39$3,000 in retirement.
00:40Okay.
00:41But you're opening a brand new credit card.
00:44Yes.
00:44You're not contributing to retirement now, are you?
00:46At the skate shop.
00:47How long have you been at skate shop?
00:48For like seven months.
00:50Uh-huh.
00:51So why are we opening a new credit card when we're not even contributing to retirement?
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