Rachel Cruz

And I immediately went and got term life insurance.

And you're telling me and for decades, Dave, I've sat across people who've lost a spouse.

They've lost somebody important to them.

Me too.

They don't know what to do next.

Term life insurance can replace income, pay off debts, cover funeral expenses, so your family can actually have the opportunity to just be sad.

Hi there.

Yeah, so I'm fresh out of high school.

I don't have any debt.

I've never taken out any loans.

And I'm curious that when I start to go look for a house 10 years down the line or whenever, how will I be able to get a mortgage without having any credit?

So I've heard different things, and it doesn't really make sense to me.

Someone brought up a manual underwrite, and I'm not really sure what that is.

I don't really understand what they're...

what they're talking about.

So my question is kind of regarding my girlfriend and her desire to work or not to work, really.

Give you guys a little bit of background.

And her parents have a deal with all of their kids that as long as they're in school, they'll pay for all of their college and all of their living expenses until they either graduate or get married.

So she did take an 18-month service mission for her church, but other than that, she's been full-time school through summer.

That's kind of my fear.