So my parents got me a credit card and I ended up getting a max credit limit of $8,000.

So I could spend up to $8,000.

That's what that means, right?

So I would use it and I would take my boyfriend, we would just started dating, we would go out.

I heard it was 12,500.

On it now?

Well, when I looked at it last, yeah.

Me and my boyfriend, me and my friends, we would go out and I'm like, oh, I'll pay for everybody.

I got it.

Oh, I'll spend the money.

Don't worry about it.

It's just a credit card.

So I would pay and pay and pay and pay.

And then I called my mom one day and I wanted her to be proud of me.

So it was just like, hey, I've got $4,000 credit on my credit card.

And she's like, credit limit or credit debt?

I was like, what's debt?

And she's like, oh, that's bad.

I'm like, oh, really?

Okay.

So it's $4,000 debt then?

She's like, that's bad.

Why did you do that?

I'm like, I thought that was good.

And she's like, no, your credit limit at the time, it was 8,000.

So I was like, okay, well, the credit limit's 8,000.

That's good, right?

And she's like, yes, but you were $4,000 in debt.

So I started paying it off maybe like for a month and my mom and dad, they were like- When was this?

Last year.

Okay, and then what?

And then they were like, screw it, you're not gonna pay this off in time.

Give it to me.

So my parents took it and they're still currently paying it off right now.

You didn't pay this $1,000?

The four, you mean the 4,000?

No, the $1,000 that went to this card this last month.

Was from them?

They've been paying it off from 4,000 to- Oh, where did- They just basically gave up and said, you're not gonna pay this in time.

They laughed at the people.

You're moving out and you have a $4,000 credit card.

You're not gonna pay that off in time.

You're gonna get so overwhelmed.

So just give it to me and then we'll pay it.

And then whenever- Well, listen, I don't want you to suffer in debt, but is that helping you?

Is that teaching you?

I don't think so.

I think they're done.

You get it to zero and over the next couple of years, maybe even when you start making more money and your lifestyle inflate yourself, you just bring it right up to the 12,500.

That sounds like some forms of enablement to me.

Well, I mean, they said, well, whenever we pay it off, over time, you can pay us back that 4,000.

I'm like, okay, cool.

And they're like, well, we're gonna keep it, but if you need help with something with your car or with your cat or with your dog or something, you can just ask us for it and you can use it and then you can pay that off.

Why are they just, I'm curious, why are they just funding?

You make money.

Where's the money going where you can't take care of yourself as an adult?

You wanted to move out like an adult, but you have to rely on them taking care of you.

I'm confused.

Why can't you take care of your own?

Well, I can.

I can.

Then why don't you?

I do, I do.

I mean, if- Not from everything you just said.

My rent currently is 1,000, like 1,400, something like that.

Well, that's insane.

You can't afford to live.

You can't afford to go out.

Yes, I can.

No, you can't.

No, you can't.

Income that came in was 1,600.

Rent is 12?

No.

That's not affording.

That's your needs, 80%.

Girl math.

That's your, this is not a joke.

I'm not treating it as a joke.

I mean- Girl math.

Math math says it's about 80% of your income.

Yeah.

I mean, we get income from other ways too.

Well, I saw, okay.

I saw 128 came in from Lackland and 263 came in from Cash App.

So $2,000.

So even still, your rent of what again?

Almost $1,400.

Okay.

Okay.

It's 70%. 70%.

You cannot afford it.

It shouldn't be higher than 30%.

Well, what I do is I go donate on the side too.

So there's- Where was it?

It didn't come in, so you didn't.

I haven't done it in a long time.

I hate doing it.

Okay, so don't say you do it.

But if like for whatever reason, like I feel like we're low, a couple hundred dollars on rent, we'll go donate for the first couple days before rent's due, we'll grab the money.

No offense, you could not move out.

I did though.

Yeah, but you're not affording it.

And don't say I am affording it because I'll tell you how you're not affording it.

They're paying your credit card bills.

They're taking care of expenses that pop up.

You can't afford it.

You're being enabled.

I'm not being enabled.

Yes, because your money's going to you.