[00:12:57] Ramit: The irresponsible and unreasonable one. Now, let’s simply tie this all up with a bow. LaKiesha, how a lot debt have you ever been in in your life as an grownup?
[00:13:07] LaKiesha: Within the six figures, together with pupil loans.
[00:13:09] Ramit: Over $100,000 of debt? Appropriate?
[00:13:12] LaKiesha: Sure.
[00:13:13] Ramit: Okay. And a few of that was purely discretionary. You charged stuff up on bank cards. You got stuff you couldn’t afford. Appropriate?
[00:13:19] LaKiesha: Sure.
[00:13:19] Ramit: Okay. And if you went to Goal, you had a listing. You already had the stuff pre-bought. You went in there. You dropped 50 bucks on stuff that you simply in all probability didn’t want. Appropriate?
[00:13:29] LaKiesha: Sure.
[00:13:30] Ramit: And are you continue to in debt proper now?
[00:13:32] LaKiesha: Sure.