00:00The idea that debt is this thing that we need to look in within ourselves and be better.
00:06Debt heads comes from a very different perspective. A more recent TikTok video you did,
00:10which I saw, where you're basically like, I'm in this debt and I don't even care.
00:16You're like Blackpill.
00:18Paraphrasing.
00:19I'm paraphrasing.
00:20Yes, yes.
00:20But it's true.
00:21But talk about it. I mean, talk about how that perspective has shifted.
00:24I always start by saying that I don't fully not care. I'm not like,
00:28I have no personal responsibility here. That's never been what I think, right?
00:34However, we've done so much research. We've talked to so many people who are much more,
00:37you know, aware and who have committed their lives to revealing these things about the banking
00:42industry that make it really difficult for you to just continue to take on all the blame yourself.
00:47Debt, aside from people who believe there's like good debt versus bad debt,
00:51debt that you invest in your home, whatever. Debt is like a relationship between people,
00:55right? Like we all owe each other things in life. Debt is not a bad thing. But when we talk
01:00about debt, we talk about it from this one lens, like you're in debt and you're bad, right?
01:05We're not talking about how easy it is, how like part of the mainstream it is. I mean,
01:11what do you hear when you're growing up? Like you need to get a job. You need to have a
01:14good
01:14credit score. You need to buy a house. You need to be doing these things. You need to be part
01:18of
01:19society. It's very easy for you to be able to be part of society. And as soon as you're
01:23part of society, well then it's, you're a lot, you're on your own, right? Like, oh, now you,
01:28you were, you know, careless and now you have to dig yourself out of this hole. And it's like
01:33the bigger question I think that we get to is like, who owes what to who? The banks are extremely
01:39profitable. They make investments in things that directly harm us often. We don't think about the
01:46relationship with the bank as a relationship. We think like we put our money in there and that's it,
01:50right? But like we're in a relationship with the bank and it's not really a relationship.
01:54It's like a very toxic situation ship.
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