[00:12:57] Ramit: You’re describing the one that’s both carefree and reckless with spending. Let’s wrap this conversation up neatly. LaKiesha, as an adult, what’s the total amount of debt you’ve accumulated?

[00:13:07] LaKiesha: Including student loans, it’s reached into the six figures.

[00:13:09] Ramit: So, we’re talking more than $100,000 in debt, right?

[00:13:12] LaKiesha: Yes, that’s right.

[00:13:13] Ramit: And part of that was from discretionary spending. You ran up credit cards buying things you couldn’t actually afford, correct?

[00:13:19] LaKiesha: Yes, that’s true.

[00:13:19] Ramit: When you went to Target, you had a list. You knew what you needed. Yet, you still ended up spending an extra 50 dollars on unnecessary items, correct?

[00:13:29] LaKiesha: Yes, that happened.

[00:13:30] Ramit: So, are you still dealing with debt currently?

[00:13:32] LaKiesha: Yes, I am.