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Show me your credit score (among other things) ON THE FIRST DATE! Or else! · Johnjay & Rich On Demand

• 0:01
  Speaker 1: Okay, so I have a little thing about dating and
• 0:06
  Speaker 1: credit scores.
• 0:21
  Speaker 2: So basically, people aren't asking for Zodiac signs anymore when
• 0:23
  Speaker 2: you're going on a first date. We're asking for credit scores.
• 0:26
  Speaker 2: So apparently, this survey of Gen Z and millennial daters,
• 0:29
  Speaker 2: about one in five are saying that they want to
• 0:31
  Speaker 2: know someone's credit score before they even agree to a
• 0:34
  Speaker 2: first date.
• 0:35
  Speaker 3: Wow.
• 0:35
  Speaker 4: I kind of feel like that's a little personal, right?
• 0:37
  Speaker 5: Like, are you going to actually give up that information?
• 0:40
  Speaker 1: But is it also real? Does the credit score stand
• 0:41
  Speaker 1: for something else? Like, they're just saying, I really need
• 0:43
  Speaker 1: to know more about something. They really want to know
• 0:45
  Speaker 1: their credit score.
• 0:45
  Speaker 4: No, they are straight up saying there.
• 0:46
  Speaker 2: Some people are saying they will not date you if
• 0:48
  Speaker 2: your credit score is under a 580.
• 0:51
  Speaker 1: Okay, so let me tell you something. I just recently
• 0:53
  Speaker 1: found out my credit score, like, five days ago. For
• 0:56
  Speaker 1: the first time ever? Yeah, for the first time ever.
• 0:58
  Speaker 1: And I was like, oh, wow, I didn't know that.
• 1:02
  Speaker 1: And I found out what the highest it can be is.
• 1:06
  Speaker 1: So do you guys know your individual credit scores?
• 1:08
  Speaker 6: Yes.
• 1:08
  Speaker 1: Like, for real, for real?
• 1:09
  Speaker 4: Not off the top of my head.
• 1:10
  Speaker 1: So, like, you would share it? Like, I didn't know
• 1:12
  Speaker 1: it was such a big deal. Like, you just said it's,
• 1:13
  Speaker 1: what did you say?
• 1:14
  Speaker 4: I feel like it's personal information.
• 1:15
  Speaker 1: Like, I didn't know it was personal information.
• 1:16
  Speaker 4: I wouldn't want to share my credit score.
• 1:18
  Speaker 1: How come? Because it's bad?
• 1:19
  Speaker 4: But I am proud of my credit score.
• 1:20
  Speaker 1: Now, how come you wouldn't want to share it? Is
• 1:21
  Speaker 1: it like social security number? Because I know I'll share mine.
• 1:23
  Speaker 2: It just kind of just tells people a little bit
• 1:25
  Speaker 2: about you and how you handle your finances.
• 1:27
  Speaker 4: Sometimes people just don't need to know all that.
• 1:30
  Speaker 5: But I think if you have like a really good
• 1:32
  Speaker 5: credit score, you're probably more willing to share it. But
• 1:35
  Speaker 5: if you have a really bad credit score, you may not.
• 1:37
  Speaker 5: Either way, it's like none of your business.
• 1:40
  Speaker 1: So if I'm on a date and a girl says
• 1:42
  Speaker 1: to me, what's your credit score? And I happen to
• 1:44
  Speaker 1: know it because I do know it now. I can
• 1:46
  Speaker 1: say it. But if I didn't know it, like, how
• 1:48
  Speaker 1: do you get that? Hold on. Let me Google. Let
• 1:49
  Speaker 1: me find out. Like, how do you find out?
• 1:50
  Speaker 4: A lot of times it's on your bank account.
• 1:52
  Speaker 1: Oh, it's on your bank account?
• 1:53
  Speaker 7: In your app.
• 1:54
  Speaker 4: You can go and find it or pull it.
• 1:56
  Speaker 6: Yeah, it depends on what apps you use. Like I
• 1:57
  Speaker 6: use Rocket Money. So it'll tell you.
• 1:59
  Speaker 1: So why? How come you don't understand? Is yours bad? Mine?
• 2:02
  Speaker 6: Yeah.
• 2:03
  Speaker 2: No, I just wouldn't want to share my credit score.
• 2:05
  Speaker 2: I don't have a bad credit score.
• 2:06
  Speaker 1: But I don't understand.
• 2:07
  Speaker 4: I just don't feel like I want to tell you that.
• 2:10
  Speaker 1: Mine's $ 750, 000.
• 2:11
  Speaker 4: That's really good.
• 2:12
  Speaker 1: I know.
• 2:12
  Speaker 4: That's really good.
• 2:13
  Speaker 1: I thought the highest you can get is 800. Yeah.
• 2:15
  Speaker 1: But I also wouldn't, am not afraid to share it.
• 2:17
  Speaker 1: Like if yours is 600, who cares? Well, because it
• 2:20
  Speaker 1: kind of shows. I don't understand why you don't want
• 2:21
  Speaker 1: to share it.
• 2:21
  Speaker 2: Well, the lower your credit score is, like it might
• 2:23
  Speaker 2: be harder for you to take out a loan to
• 2:25
  Speaker 2: get a car or a loan to get a house.
• 2:26
  Speaker 2: So it kind of just tells who you are as
• 2:28
  Speaker 2: a person financially. Like in this study, there was this
• 2:31
  Speaker 2: girl that said like having an 800 credit score is
• 2:35
  Speaker 2: like being the new six feet tall.
• 2:36
  Speaker 4: Like it makes you that much more attractive.
• 2:38
  Speaker 1: Yeah.
• 2:39
  Speaker 6: I don't know, because you think about if you're just dating,
• 2:42
  Speaker 6: you meet the person of your dreams. They don't necessarily
• 2:45
  Speaker 6: have their act together. You guys got to grow into
• 2:47
  Speaker 6: that together. So you might be turning loose a work
• 2:51
  Speaker 6: in progress that could be an 800 down the road.
• 2:54
  Speaker 6: That's a perfect match for you just because they're not
• 2:57
  Speaker 6: really thinking about that. Or maybe they're not even using
• 2:59
  Speaker 6: credit cards yet.
• 3:00
  Speaker 4: What are the opinions on asking this? Is it like.
• 3:03
  Speaker 5: Because it almost seems like, you know, if you ask
• 3:05
  Speaker 5: someone how much money they make on their first date,
• 3:07
  Speaker 5: that's pretty shallow.
• 3:08
  Speaker 4: It's a red flag. Like, is this also a shallow question? Probably, right?
• 3:12
  Speaker 4: Because you're trying to figure out.
• 3:13
  Speaker 5: Because you're trying to, like, dig into their financial situations,
• 3:17
  Speaker 5: which I don't, like, necessarily.
• 3:18
  Speaker 4: I mean, obviously.
• 3:19
  Speaker 5: You don't, like, want to get yourself into a financial
• 3:20
  Speaker 5: mess because of who you're with. But also, it's like,
• 3:23
  Speaker 5: like Rich said, like, you kind of, like, ease into that.
• 3:26
  Speaker 1: I don't know, um... How my credit score is 750. Like,
• 3:31
  Speaker 1: I don't know why it's not 800. Like my wife,
• 3:33
  Speaker 1: she pays all our bills. So I would assume she
• 3:35
  Speaker 1: missed something, right?
• 3:37
  Speaker 8: Not necessarily.
• 3:38
  Speaker 1: But why then, what do you think it is?
• 3:40
  Speaker 5: Well, sometimes your score could get dinged if you have
• 3:42
  Speaker 5: too many accounts open. Not necessarily, all of your accounts
• 3:45
  Speaker 5: could be in a great standing, but they think you
• 3:47
  Speaker 5: have too.
• 3:47
  Speaker 4: Many of them.
• 3:48
  Speaker 6: Or maybe you don't use your credit card enough to
• 3:51
  Speaker 6: have enough. Cause it's like, they use it. Like I
• 3:53
  Speaker 6: use my credit card and then I pay it off.
• 3:55
  Speaker 1: I saw the highest was 800. I was like, why
• 3:57
  Speaker 1: the hell am I not 800? What gives? So I
• 3:59
  Speaker 1: want to know. And also, it's so interesting that Peyton
• 4:02
  Speaker 1: doesn't want to say what hers is. I don't care,
• 4:03
  Speaker 1: but I think it's interesting how you don't want to
• 4:05
  Speaker 1: share it.
• 4:05
  Speaker 4: Yeah, I just don't feel like that's anyone's business.
• 4:08
  Speaker 1: I know, but so is he talking about your sex life.
• 4:11
  Speaker 1: You talk about that. You talk about all these other
• 4:13
  Speaker 1: things you talk about. So is about how you vape.
• 4:16
  Speaker 1: So is that. It's a radio show. Yeah. it's a
• 4:18
  Speaker 1: rate like if you don't know the number then we
• 4:20
  Speaker 1: don't need to know the number but if you know
• 4:21
  Speaker 1: the number you're not sharing it mean just finding out
• 4:23
  Speaker 1: what mine is i'm curious as to reason you don't
• 4:26
  Speaker 1: want to share it that's the part.
• 4:27
  Speaker 4: I don't get i'm in your realm i'm over there it's.
• 4:30
  Speaker 1: Not my realm i don't care if mine was 200
• 4:33
  Speaker 1: i would tell you mine is.
• 4:34
  Speaker 5: I think it's like i maybe like you could go
• 4:36
  Speaker 5: okay maybe you don't need the exact score but maybe
• 4:39
  Speaker 5: the ranking because doesn't it go excellent good.
• 4:42
  Speaker 1: Oh that part i don't know i just saw the
• 4:45
  Speaker 1: number i just saw the numbers yours would be excellent Danielle,
• 4:48
  Speaker 1: good morning. You're on the air. Sorry, I got a
• 4:49
  Speaker 1: little sidetracked talking about credit scores, Danielle, and dating. You're
• 4:53
  Speaker 1: on the air.
• 4:54
  Speaker 9: I feel like if people are asking about credit scores
• 4:58
  Speaker 9: on the first date and have.
• 4:59
  Speaker 7: The audacity, I slowly have the audacity to ask for
• 5:02
  Speaker 7: a dick pic and know what.
• 5:03
  Speaker 1: You're talking about. Before you commit.
• 5:05
  Speaker 6: Wasting my time.
• 5:07
  Speaker 9: Before I get dressed and do my hair and shave
• 5:10
  Speaker 9: my entire body from the eyebrows down. And then sit
• 5:15
  Speaker 9: through dinner and act like... Like, I can give a
• 5:18
  Speaker 9: shit about your fantasy football and, like, you know?
• 5:21
  Speaker 7: Like, that's my precious time.
• 5:23
  Speaker 9: So send me the nude.
• 5:24
  Speaker 7: Like, let's just see what we're.
• 5:26
  Speaker 8: Working with here.
• 5:28
  Speaker 1: So you don't care about the 750 or 800 credit score.
• 5:32
  Speaker 1: You need something else.
• 5:34
  Speaker 4: You just see what you're working with.
• 5:36
  Speaker 1: Exactly. So do you need it to be a larger
• 5:39
  Speaker 1: credit score or a smaller credit score? I mean.
• 5:42
  Speaker 7: It's not the size of the credit score. It's what
• 5:44
  Speaker 7: you do with the credit score.
• 5:45
  Speaker 1: Fair enough. Okay, what is a picture? If you send
• 5:49
  Speaker 1: a picture, it doesn't mean they know what they do
• 5:50
  Speaker 1: with the credit score.
• 5:52
  Speaker 9: I mean, that's true.
• 5:53
  Speaker 5: But the credit score can go up and down.
• 5:55
  Speaker 9: You know, like, I understand. Like, oh, you applied for
• 5:57
  Speaker 9: a credit card and you got a ding or something. But,
• 6:00
  Speaker 9: you know, anatomy is anatomy.
• 6:02
  Speaker 3: Right. Well....
• 6:06
  Speaker 1: I definitely have a low credit score for her. All right. Thanks, Danielle. Annie,
• 6:10
  Speaker 1: good morning.
• 6:11
  Speaker 8: You're on the air.
• 6:12
  Speaker 9: Your thoughts?
• 6:12
  Speaker 6: Morning.
• 6:13
  Speaker 1: Good morning.
• 6:34
  Speaker 8: So, forget the credit score. I want to see screen
• 6:38
  Speaker 8: time before we go out. Because, like, there's so many
• 6:44
  Speaker 8: guys who have, like, eight hours a day of just
• 6:48
  Speaker 8: Instagram reels and TikToks, and that's not for me.
• 6:52
  Speaker 6: Okay, but let me put this out there for you.
• 6:56
  Speaker 6: That's because they haven't hung out with you yet. They've
• 6:58
  Speaker 6: got nothing else going on. Once they go out with you,
• 7:00
  Speaker 6: that screen time might go way down.
• 7:03
  Speaker 3: Oh, wait.
• 7:04
  Speaker 8: I like the way you say it.
• 7:06
  Speaker 6: Sure, because now they've got somebody worth spending time with.
• 7:09
  Speaker 6: They don't need to be on their phone. Right now,
• 7:10
  Speaker 6: they're just kind of floating around.
• 7:11
  Speaker 9: Oh, okay.
• 7:12
  Speaker 6: All right.
• 7:13
  Speaker 8: This is a different perspective I haven't heard before. But, like,
• 7:17
  Speaker 8: I've gone out with so many guys who I'm just, like,
• 7:20
  Speaker 8: at the dinner with them, and they're picking up their phone, like,
• 7:23
  Speaker 8: a million times.
• 7:25
  Speaker 9: And they're, like, not present. So I want to know
• 7:29
  Speaker 9: ahead of time if they're going to, like, keep looking
• 7:33
  Speaker 9: at their phone, like, checking their stories while we're on
• 7:36
  Speaker 9: our date.
• 7:38
  Speaker 4: That could be a red flag.
• 7:39
  Speaker 1: How can you tell how many times they picked up
• 7:41
  Speaker 1: their phone?
• 7:41
  Speaker 9: Oh, there's totally, like, there's a thing you can see
• 7:44
  Speaker 9: on your phone. It says how many times you pick
• 7:47
  Speaker 9: up in a day.
• 7:48
  Speaker 1: There is?
• 7:49
  Speaker 4: I do not want to look at that.
• 7:50
  Speaker 1: I do.
• 7:51
  Speaker 6: Oh, where is that?
• 7:52
  Speaker 1: Where do you see that? That's frightening.
• 7:54
  Speaker 9: What's it called?
• 7:56
  Speaker 8: They will tell you how to get there.
• 7:59
  Speaker 4: Oh, my gosh. I'm scared.
• 8:00
  Speaker 1: I want to look that up.
• 8:01
  Speaker 4: Let's see.
• 8:02
  Speaker 1: I think it'd be fun to share that. Let's see.
• 8:04
  Speaker 1: Unless Peyton doesn't want to share that. It's too personal.
• 8:06
  Speaker 9: It might be.
• 8:08
  Speaker 4: How do we find out how many times?
• 8:10
  Speaker 1: Is that a real thing?
• 8:11
  Speaker 6: I've never heard.
• 8:12
  Speaker 5: Of it before, but I'm... I know you can check
• 8:14
  Speaker 5: your screen time.
• 8:15
  Speaker 6: I know that.
• 8:16
  Speaker 4: I know you can check that.
• 8:17
  Speaker 1: I don't know how to find that. It just pops up.
• 8:18
  Speaker 4: Okay, so it goes, yeah, go to settings, go to
• 8:21
  Speaker 4: screen time. Okay, hold on, hold on, hold on.
• 8:24
  Speaker 1: Settings.
• 8:24
  Speaker 5: On an Android, it's digital well-being.
• 8:27
  Speaker 1: Where's screen time at? I don't know. Let's see. I
• 8:30
  Speaker 1: see home screen and app library. Okay. Where does he screen? Oh,
• 8:35
  Speaker 1: screen time. Okay. Screen time. Now what do I do?
• 8:37
  Speaker 4: Okay.
• 8:37
  Speaker 2: So you go to screen time and then you go
• 8:39
  Speaker 2: to see all app and website activity.
• 8:42
  Speaker 9: Okay.
• 8:42
  Speaker 4: And then you scroll down until you see pickups. I've
• 8:46
  Speaker 4: had 41 pickups today.
• 8:48
  Speaker 1: See all app and website activity. We're just the same.
• 8:50
  Speaker 1: I've had 40 pickups today.
• 8:51
  Speaker 3: Yeah.
• 8:52
  Speaker 1: Hold on, hold on, hold on. Where do you see that? Pickups.
• 8:54
  Speaker 4: I don't see pickups.
• 8:55
  Speaker 1: 29.
• 8:56
  Speaker 7: Yeah.
• 8:57
  Speaker 1: Listen, you guys, you guys are addicted. Hey, Eddie, Eddie,
• 9:01
  Speaker 1: what's a number? What's a good number that you would
• 9:03
  Speaker 1: go on a date with a guy if he had
• 9:05
  Speaker 1: a certain amount of pickups?
• 9:06
  Speaker 8: Anything over 100 a day.
• 9:08
  Speaker 1: We're out. Now, that to me is way more interesting
• 9:12
  Speaker 1: than a credit score.
• 9:13
  Speaker 7: Yeah.
• 9:13
  Speaker 1: To find out how many times you're on your phone
• 9:15
  Speaker 1: being addicted to your phone. Yeah, I'm with you, Annie.
• 9:17
  Speaker 1: I agree with you, Annie.
• 9:19
  Speaker 6: The thing is, is that you start with chemistry, right?
• 9:21
  Speaker 6: And then you're sort of training the person how to
• 9:24
  Speaker 6: be with you. So if you let them loose because
• 9:27
  Speaker 6: of all these things, you never get to, you know,
• 9:29
  Speaker 6: figure it all out together and grow together.
• 9:32
  Speaker 1: You might be missing something. Annie, thanks for calling in.
• 9:36
  Speaker 4: Thank you.
• 9:44
  Speaker 1: Angie, good morning.
• 9:46
  Speaker 5: Good morning.
• 9:48
  Speaker 1: So... This is Angie. Oh, hello, Angie. I was listening. Yes,
• 9:52
  Speaker 1: thank you.
• 9:52
  Speaker 3: I was listening about the credit score. I wanted to
• 9:56
  Speaker 3: share my opinion.
• 9:58
  Speaker 1: Please do. I.
• 10:00
  Speaker 3: have an excellent credit score.
• 10:02
  Speaker 1: Great. That's it.
• 10:05
  Speaker 3: I mean, am I on the air?
• 10:08
  Speaker 6: Yeah, you're on the air.
• 10:09
  Speaker 1: You're on the air right now. Oh, okay.
• 10:12
  Speaker 3: I wanted to talk about, you know, how it affects
• 10:14
  Speaker 3: dating because I'm single and I... I feel that your
• 10:19
  Speaker 3: credit score can be affected by things that are out
• 10:22
  Speaker 3: of your control. There's a lot of fraud, a lot
• 10:24
  Speaker 3: of online fraud and all that stuff. So that would
• 10:28
  Speaker 3: be not my first thing. It would be their spending habits,
• 10:32
  Speaker 3: how they treat people. Like we're on a date. Are
• 10:35
  Speaker 3: they going to be like, oh, we got to share
• 10:36
  Speaker 3: something because I can't afford it. Or things like that
• 10:41
  Speaker 3: may be a red flag.
• 10:44
  Speaker 1: Okay. Well, we were talking about like, hey, everyone was
• 10:46
  Speaker 1: calling in saying forget credit score. I, this, this woman
• 10:50
  Speaker 1: was like, I, he's got to show me a picture
• 10:51
  Speaker 1: of his junk, you know, forget, forget credit score. He
• 10:55
  Speaker 1: better have a good relationship with his mom. Forget credit score.
• 10:58
  Speaker 1: He better have a clean apartment. You know, it's like that.
• 11:00
  Speaker 1: It's not necessarily about the credit score.
• 11:02
  Speaker 3: I guess I'm backing that up.
• 11:03
  Speaker 1: Very good. Well, thank you, Angie.
• 11:05
  Speaker 3: I have, you know, like a great credit score and
• 11:08
  Speaker 3: I would share it with anybody.
• 11:10
  Speaker 1: What's your credit score? Sounds like you're trying to, what
• 11:11
  Speaker 1: is it? Oh, well, okay.
• 11:14
  Speaker 3: Right now, it's $ 780, and its highest was in March
• 11:18
  Speaker 3: at $ 843. Way to go.
• 11:19
  Speaker 1: You know, we have somebody that actually works for a
• 11:21
  Speaker 1: credit company right now. Lindsay, good morning.
• 11:25
  Speaker 7: Good morning. Yes, so just kind of hearing, John Jay,
• 11:29
  Speaker 7: you have a great credit score at $ 750. I work
• 11:33
  Speaker 7: for a credit card company and do credit analyst back
• 11:36
  Speaker 7: in the day in California. Actually, the highest score you
• 11:39
  Speaker 7: can get is an 850. So not to shade you.
• 11:42
  Speaker 3: That's okay.
• 11:43
  Speaker 1: That's okay. I was just telling Kyle. I was telling
• 11:47
  Speaker 1: Kyle Payton and Rich in here. I had a car
• 11:49
  Speaker 1: repossessed one time. I remember I used to get the
• 11:52
  Speaker 1: pink slips all the time. I bought a phone. I
• 11:54
  Speaker 1: never paid for it. So I figured I wanted it.
• 11:57
  Speaker 1: How long does that stay with you, Lindsay?
• 12:00
  Speaker 9: I'm sorry?
• 12:01
  Speaker 1: How long does that stay with you when a car
• 12:02
  Speaker 1: gets repossessed?
• 12:05
  Speaker 7: It can take anywhere from seven to 10 years, just
• 12:07
  Speaker 7: like a bankruptcy. So, I mean, what the credit, like
• 12:12
  Speaker 7: credit card company and your credit score, what they want
• 12:15
  Speaker 7: to see, like the three bureaus is you being in
• 12:18
  Speaker 7: debt and getting out of it actually. So spend money,
• 12:22
  Speaker 7: like you raise up your, yeah, exactly. Spending money, pay
• 12:26
  Speaker 7: it off, spend money, pay it off. Like that's what
• 12:28
  Speaker 7: they want to see.
• 12:28
  Speaker 1: Yeah.
• 12:30
  Speaker 7: To be honest, the credit bureaus like to see people
• 12:32
  Speaker 7: with 15-plus credit cards. Do I agree with that by
• 12:36
  Speaker 7: any means?
• 12:37
  Speaker 9: No. That's a lot.
• 12:40
  Speaker 1: It is.
• 12:40
  Speaker 9: It's a lot.
• 12:42
  Speaker 6: You actually do a disservice to yourself. Let's say if
• 12:44
  Speaker 6: you have one credit card and you don't really charge
• 12:47
  Speaker 6: anything on it and you pay cash. So when you
• 12:48
  Speaker 6: go to buy a house, you probably have a low
• 12:50
  Speaker 6: credit score even though you have zero debt.
• 12:53
  Speaker 7: A hundred percent.
• 12:55
  Speaker 1: All right, Lindsay. I think that's kind of a mess.
• 12:59
  Speaker 7: No, you're very knowledgeable. So, but again, you know, John
• 13:02
  Speaker 7: J just hearing your seven 50, that's a great score,
• 13:05
  Speaker 7: but yeah, you can get an eight 50.
• 13:07
  Speaker 1: What would knock me down? Like, why, why do I
• 13:09
  Speaker 1: not have an eight 50? What could be on it?
• 13:11
  Speaker 1: What takes you down a hundred points? Or is it
• 13:13
  Speaker 1: 10 points?
• 13:14
  Speaker 7: It could be just your use. It sounds like your use.
• 13:17
  Speaker 7: If you don't have anything delinquent, missed payments, anything like that,
• 13:21
  Speaker 7: just your use.
• 13:22
  Speaker 1: My use?
• 13:22
  Speaker 7: Yeah, your use. Using your credit cards and racking them
• 13:30
  Speaker 7: up and then paying them off, kind of sitting with
• 13:32
  Speaker 7: a balance, right? People who pay off their credit cards
• 13:36
  Speaker 7: every single month don't have a great credit score either
• 13:39
  Speaker 7: because you want to sit with a balance.
• 13:41
  Speaker 9: For a little bit.
• 13:42
  Speaker 7: So it's like two to three months.
• 13:43
  Speaker 1: You're gaming the system.
• 13:44
  Speaker 4: The system is wrong.
• 13:45
  Speaker 6: It is wrong.
• 13:46
  Speaker 1: You know what I mean?
• 13:46
  Speaker 5: It seems like if you're like a responsible financial person,
• 13:49
  Speaker 5: your credit score isn't.
• 13:50
  Speaker 4: Quite as high.
• 13:51
  Speaker 6: I would think if you're going to go buy– let's say, Peyton,
• 13:53
  Speaker 6: you're going to buy a house soon. If your credit
• 13:55
  Speaker 6: score is as shockingly low as we think it is
• 13:58
  Speaker 6: based on what you were saying before, you would think
• 14:00
  Speaker 6: that they just want to look at your debt to income,
• 14:02
  Speaker 6: like how much– money do you not spend so that
• 14:06
  Speaker 6: you can afford the house? But they're looking at how
• 14:09
  Speaker 6: much debt do you have that you sort of kind
• 14:11
  Speaker 6: of pay off? And the more debt that you sort
• 14:13
  Speaker 6: of kind of pay off, the better off you are.
• 14:14
  Speaker 6: We're going to turn it to Dave Ramsey here. I
• 14:15
  Speaker 6: thought we were going to talk about fun things you
• 14:16
  Speaker 6: do instead of... Hey, Lindsay, thank you for calling in.
• 14:19
  Speaker 6: Thank you.
• 14:20
  Speaker 1: Tim, good morning. You're on the air.
• 14:23
  Speaker 9: You know, the thing is, is when you're young, you
• 14:26
  Speaker 9: go to the club and you see a guy or
• 14:29
  Speaker 9: you see a girl across the thing and you walk
• 14:31
  Speaker 9: up and you're like, Gang, you're banging. Let me get
• 14:34
  Speaker 9: those digits. You guys sure?
• 14:37
  Speaker 1: Like 602-260-1047.
• 14:37
  Speaker 7: There's my number.
• 14:38
  Speaker 1: Call me up.
• 14:39
  Speaker 9: They're like, cool, cool.
• 14:41
  Speaker 4: But when you're older, the whole thing is like, oh,
• 14:44
  Speaker 4: let me go there and get those digits.
• 14:46
  Speaker 9: And you're like, no, I don't want your phone number.
• 14:48
  Speaker 9: I want to know what your debt-to-income ratio is. What's
• 14:50
  Speaker 9: your bank account balance?
• 14:52
  Speaker 1: What's that 457 look like?
• 14:52
  Speaker 7: How many kids you got?
• 14:54
  Speaker 9: Are your house paid off?
• 14:56
  Speaker 1: You rent a room. Yeah, like when you're older, like,
• 15:01
  Speaker 1: Your entire spectrum of.
• 15:04
  Speaker 8: What responsibility looks like or what's important changes.
• 15:08
  Speaker 1: Very good. Good point, Tim. Thanks for calling in, brother.
• 15:13
  Speaker 1: Very true. Very true.