Bravo, America! You're setting all-time records on destroying your personal finances.

I am very excited about the show because you came to us and you were like, guys,

I found these stats. I found this chart. We have to talk about this because this is some kind of

shocking data about where things are trending in regards to a big money mistake.

You know, I was raised, first of all, bows out today. We have special guests,

we'll be on the sitting at the big desk today because Bob had a cough. We'll just say he's under

the weather. But it is. It's a day off. It's a mental loud.

But it is one of those things where I think about just what are we doing? I grew up in a household

where my father, it was a great disciplinary but he also led through disappointment. In the

fact that I could tell when I disappointed my father, I want to lead that way and let you know

I'm disappointed in America because we always had a problem with discipline and consumption

versus creating and you see this and all the stats. But we've set an all-new standard. And let's

just go ahead. We don't have to beat around the bush. We can just show you the data and let me

kind of curate the parts that really bother me. First of all, let me set the table context.

We have a debt and discipline problem, Ruby. It's one of those things where credit cards,

we tell you, don't have credit card debt. You can use credit cards, but credit card debt is

something you just should avoid. But you can see as when you look at the credit card debt,

we've had $650 billion worth of credit card debt. We've had $750.

Which is still a lot. Can I just say? It's still a lot for a country debt.

I crew this much debt. But we would never pre-pandemic. We had never hit $900 billion.

And you can see we actually had a period when the pandemic happened and we had all the government

stimulus come in. A lot of people you can tell that money came in. They used it to pay off debt.

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