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

於是，父母給我辦了一張信用卡，我的最高信用額度是 8000 美元。

So I could spend up to $8,000.

所以我最多可以花 8000 美元。

That's what that means, right?

就是這個意思，對吧？

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

所以我會用它，然後帶著我的男朋友，我們剛開始約會，一起出去玩。

I heard it was 12,500.

我聽說是 1.25 萬。

On it now?

現在？

Well, when I looked at it last, yeah.

我上次看的時候，是的。

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

我和我的男朋友，我和我的朋友，我們出去玩，我就會說，哦，我會為每個人付錢的。

I got it.

我知道了

Oh, I'll spend the money.

哦，我會花錢的。

Don't worry about it.

別擔心。

It's just a credit card.

這只是一張信用卡。

So I would pay and pay and pay and pay.

所以，我會不停地付錢，不停地付錢，不停地付錢。

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

然後有一天我打電話給媽媽，我想讓她為我感到驕傲。

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

我的信用卡上有 4000 美元的信用額度。

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

她會問，信用額度還是信用債務？

I was like, what's debt?

我當時想，什麼是債務？

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

她就說，哦，真糟糕。

I'm like, oh, really?

我想，哦，真的嗎？

Okay.

好的

So it's $4,000 debt then?

那就是 4000 美元的債務了？

She's like, that's bad.

她說，這可不好。

Why did you do that?

你為什麼這麼做？

I'm like, I thought that was good.

我想，我覺得這樣很好。

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

她說，不，你當時的信用額度是8000。

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

於是我想，好吧，信用額度是 8000。

That's good, right?

這很好，對嗎？

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

她說，是的，但你欠了4000美元的債。

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

我開始還錢，大概還了一個月 我爸媽就問我，這是什麼時候的事？

Last year.

去年

Okay, and then what?

好吧，然後呢？

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

然後他們就說，算了吧，你不可能及時還清這筆錢的。

Give it to me.

把它給我

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

所以我的父母接受了它，現在他們還在還錢。

You didn't pay this $1,000?

你沒付這 1000 美元？

The four, you mean the 4,000?

四，你是說四千？

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

不，是上個月轉到這張卡上的 1000 美元。

Was from them?

是他們給的？

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.

他們從4000元一直付到--哦，在哪裡-- 他們基本上放棄了，並說，你們不可能按時付清這筆錢。

They laughed at the people.

他們嘲笑人們。

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

你要搬走了，卻有一張 4000 美元的信用卡。

You're not gonna pay that off in time.

你不可能及時還清的。

You're gonna get so overwhelmed.

你會不知所措的

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

那就把錢給我，然後我們再付錢。

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

聽著，我不希望你負債累累，但這對你有幫助嗎？

Is that teaching you?

這是在教你嗎？

I don't think so.

我不這麼認為。

I think they're done.

我覺得他們完了。

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.

你把它歸零，然後在接下來的幾年裡，甚至當你開始賺更多的錢，你的生活方式讓自己膨脹時，你就可以把它直接提高到 12 500。

That sounds like some forms of enablement to me.

在我看來，這聽起來像是某種形式的授權。

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

嗯，我是說，他們說，好吧，我們什麼時候還清，隨著時間的推移，你可以把那 4000 美元還給我們。

I'm like, okay, cool.

我想，好吧，酷。

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.

他們會說，好吧，我們會留著這筆錢，但如果你的車或貓或狗什麼的需要幫助，你可以直接向我們要，你可以用這筆錢，然後你就可以還清了。

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

我很好奇，他們為什麼只提供資金？

You make money.

你賺錢了

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

錢都花到哪裡去了？

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

你想像個成年人一樣搬出去，但你不得不依靠他們來照顧你。

I'm confused.

我很困惑。

Why can't you take care of your own?

你為什麼不能照顧好自己？

Well, I can.

我可以

I can.

我可以

Then why don't you?

那你為什麼不呢？

I do, I do.

我願意，我願意。

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

我的意思是，如果-- 不是從你剛才說的一切。

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

我目前的房租是 1,000 美元，大概 1,400 美元左右。

Well, that's insane.

真是瘋了

You can't afford to live.

你活不起了

You can't afford to go out.

你沒錢出去。

Yes, I can.

是的，我可以。

No, you can't.

不，你不能。

No, you can't.

不，你不能。

Income that came in was 1,600.

收入為 1 600 美元。

Rent is 12?

租金是 12？

No.

不

That's not affording.

這不是負擔。

That's your needs, 80%.

這就是你的需求，80%。

Girl math.

女孩數學

That's your, this is not a joke.

這是你的，這不是玩笑。

I'm not treating it as a joke.

我不是在開玩笑。

I mean- Girl math.

我是說女孩數學

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

數學計算表明，這大約是你收入的 80%。

Yeah.

是啊

I mean, we get income from other ways too.

我的意思是，我們也可以從其他途徑獲得收入。

Well, I saw, okay.

我看到了

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

我看到有 128 人來自拉克蘭，263 人來自卡什 App。

So $2,000.

所以是 2000 美元。

So even still, your rent of what again?

即使如此，你的租金又是多少？

Almost $1,400.

將近 1400 美元。

Okay.

好的

Okay.

好的

It's 70%. 70%.

是 70%。70%.

You cannot afford it.

你負擔不起。

It shouldn't be higher than 30%.

不應高於 30%。

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

好吧，我的做法是，我也去捐款。

So there's- Where was it?

在哪裡？

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

它沒有進來，所以你沒有。

I haven't done it in a long time.

我已經很久沒做了。

I hate doing it.

我討厭這樣做。

Okay, so don't say you do it.

好吧，別說是你做的。

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.

但如果因為某種原因，比如我覺得我們的房租少了幾百美元，我們就會在房租到期前幾天去捐款，我們會把錢拿出來。

No offense, you could not move out.

無意冒犯，你不能搬走。

I did though.

但我做到了。

Yeah, but you're not affording it.

是的，但你負擔不起。

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

別說我負擔得起，因為我會告訴你你怎麼負擔不起。

They're paying your credit card bills.

他們為你支付信用卡賬單。

They're taking care of expenses that pop up.

他們正在處理突然出現的開支。

You can't afford it.

你負擔不起。

You're being enabled.

你被啟用了。

I'm not being enabled.

我沒有被啟用。

Yes, because your money's going to you.

是的，因為你的錢是給你的。