Barry Habib

They kept stretching it out.

I remember when – I remember where I was when a friend says, hey, I got a 60-month car loan.

I say, you got a 60-month car loan?

When I had bought a Ford Escort after I got out of college, a little Ford Escort, cheap to insure, reliable, economical in terms of gas, that was my criteria.

It was a 48-month car loan with an option to bring it down to 36.

So you know what I did?

I got my bonus and I put like an extra $1,000 down and I had a 36-month car loan.

So you still had 36 and 48.

Now look at the lengths of them.

36 months now is, oh, you want 36 months?

Lease it.

Lease it.

This is what we're going to do.

So the consumer, you know, has to have a hand in their own salvation here, in my opinion.

And Dave Ramsey's right.

But to merely sweep it off and say, oh, corporate America has screwed you, maybe there's some of that going on.

But come on, Dave.

Consumers have to have, you know, common sense.

You see a 400-pound person and you say the food got in there somehow, right?

Yeah.