Stephen

Merry Christmas. How are y'all?

Okay, so here's my situation. I'm 20 years old. I'm engaged and I'm planning on getting married in June. And that being said, we're looking to get an apartment together in June because that's what you do. You move in together once you get married. I'm completely debt-free. She has a little bit of student loan debt, but that's kind of beside the point. The question for me is,

Okay, so here's my situation. I'm 20 years old. I'm engaged and I'm planning on getting married in June. And that being said, we're looking to get an apartment together in June because that's what you do. You move in together once you get married. I'm completely debt-free. She has a little bit of student loan debt, but that's kind of beside the point. The question for me is,

Okay, so here's my situation. I'm 20 years old. I'm engaged and I'm planning on getting married in June. And that being said, we're looking to get an apartment together in June because that's what you do. You move in together once you get married. I'm completely debt-free. She has a little bit of student loan debt, but that's kind of beside the point. The question for me is,

is my grandma opened up a credit card for me to use strictly as a gas card. And that's my only credit card. And she always pays it on time. But that being said, I have credit.

is my grandma opened up a credit card for me to use strictly as a gas card. And that's my only credit card. And she always pays it on time. But that being said, I have credit.

is my grandma opened up a credit card for me to use strictly as a gas card. And that's my only credit card. And she always pays it on time. But that being said, I have credit.

That was her way of saying that she wants to support me through college. That was her gift to me. Okay. And so I can totally afford my own gas, but that's just the gift she wanted to give to me. Good.

That was her way of saying that she wants to support me through college. That was her gift to me. Okay. And so I can totally afford my own gas, but that's just the gift she wanted to give to me. Good.

That was her way of saying that she wants to support me through college. That was her gift to me. Okay. And so I can totally afford my own gas, but that's just the gift she wanted to give to me. Good.

but i know that i want to get this apartment and i really like the sound of what y'all talk about of letting your credit score roll over to nothing but i'm afraid that if i say hey grandma thank you but let's close this card i appreciate the gesture i can pay for this um that my credit score will plummet but it won't flip and disappear before that time in june when i'm trying to get an apartment honey you don't have to have a credit score to get an apartment

but i know that i want to get this apartment and i really like the sound of what y'all talk about of letting your credit score roll over to nothing but i'm afraid that if i say hey grandma thank you but let's close this card i appreciate the gesture i can pay for this um that my credit score will plummet but it won't flip and disappear before that time in june when i'm trying to get an apartment honey you don't have to have a credit score to get an apartment

but i know that i want to get this apartment and i really like the sound of what y'all talk about of letting your credit score roll over to nothing but i'm afraid that if i say hey grandma thank you but let's close this card i appreciate the gesture i can pay for this um that my credit score will plummet but it won't flip and disappear before that time in june when i'm trying to get an apartment honey you don't have to have a credit score to get an apartment

Awesome. I did not know that. I was under the impression that My credit score would plummet and that might jeopardize whether or not we'd be able to move that.

Awesome. I did not know that. I was under the impression that My credit score would plummet and that might jeopardize whether or not we'd be able to move that.

Awesome. I did not know that. I was under the impression that My credit score would plummet and that might jeopardize whether or not we'd be able to move that.

Yeah. And this is why it's so complex because what you've just said is so unbelievably true, but it's where the misconception happens because I don't go home and I'm not like insecure or I'm not unconfident. Like I think like when I'm on my own, I'm very, very okay with who I am, with myself.

Yeah. And this is why it's so complex because what you've just said is so unbelievably true, but it's where the misconception happens because I don't go home and I'm not like insecure or I'm not unconfident. Like I think like when I'm on my own, I'm very, very okay with who I am, with myself.

I feel like the guy that you experience on camera is very close to who I am when I'm in the hotel room alone at night. However, it doesn't mean that I still don't have those childhood bruises and that they can't be pressed by various things.

I feel like the guy that you experience on camera is very close to who I am when I'm in the hotel room alone at night. However, it doesn't mean that I still don't have those childhood bruises and that they can't be pressed by various things.