Rachel Cruze

How much have we been spending, you know, here or there?

And you start to actually see your spending habits.

And because you guys are in debt, you cut all those categories because you're doing nothing

I mean, but just survival at this point.

No, but it's true.

And it's almost easier in a weird way to have an excuse for the fear that, oh, gosh, we're not.

Well, it's okay.

You cling on to something.

Exactly.

We'll say 98%.

We'll give you 2% hope.

We've given up hope that they're going to change.

Well, and thankfully, and I guess the positive side of some of this too, Kate, is they're so low maintenance.

They're used to living on basically nothing versus some people call in and their parents are living the high life and have nothing in retirement.

And they're going to expect the same and they expect their kids to take it.

You know what I mean?

There's like a whole entitlement side where this story could have been.

But for them, their motivation and attitude in a weird way is insane.

I don't want to say endearing because I don't think it's wise, but it's easier to help someone that has a level of humility and sacrificial heart.

Do you know what I mean?