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00:00He's been through bankruptcy, and he wants to not go through that again, and you don't give a f**k, but you do nothing.
00:08And I've told her, like, when I was 25, yes, I did file bankruptcy.
00:13Bankruptcy might actually be valuable in this, and it's not cheap.
00:17It's certainly cheaper than $80,000 a day, but it can be stressful.
00:20You know, you went through it.
00:21Some people find it stressful, some people not.
00:23It's embarrassing.
00:24It's more difficult with a couple, and you guys should be able to keep your house, keep your car.
00:27But the first thing is, it requires building this budget, go through the budgeting class together, use the, you know, dollar-wise budgeting app as well.
00:33Some more credit card spending.
00:34No offense, but your spending is bad, too, for someone that's gone through bankruptcy.
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