[00:12:57] Ramit: The irresponsible and unreasonable one. Now, let’s just tie this all up with a bow.  LaKiesha, how much debt have you been in in your life as an adult?

[00:13:07] LaKiesha: In the six figures, including student loans.

[00:13:09] Ramit: Over $100,000 of debt? Correct?

[00:13:12] LaKiesha: Yes.

[00:13:13] Ramit: Okay. And some of that was purely discretionary. You charged stuff up on credit cards. You bought stuff you couldn’t afford. Correct?

[00:13:19] LaKiesha: Yes.

[00:13:19] Ramit: Okay. And when you went to Target, you had a list. You already had the stuff pre-bought. You went in there. You dropped 50 bucks on stuff that you probably did not need. Correct?

[00:13:29] LaKiesha: Yes.

[00:13:30] Ramit: And are you still in debt right now?

[00:13:32] LaKiesha: Yes.