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So I'm 15, and I'm going to get a job over the summer and probably through my sophomore year high school.

What I want to do with the money is I want to put into a custodial Roth IRA.

Because if you put in the money now, you don't really have any expenses when you're my age.

But my parents are in a lot of credit card debt, and I feel like I owe it to them to help

them to pay it off.

So my question is, what do I do with my money that I'm about to earn?

Wow.

Well, you are a very astute 15-year-old, man. You're talking about custodial Roth IRAs over here.

You say the word even custodial. What happened in video games, Rachel? That's what the kids used to. No, I'm proud of you, man.

So are you, have you dove into finances because you saw your parents struggle with it? You went, I never want that to happen to me? Yeah. Um, yeah, that's basically

yeah. Wow. And have they talked to you about it, Brock? How much of this is you observing them or them,

like, being like, hey, as a family, like, this is where we're at and mom and dad are going to get out

a credit card deck because we're in it. Like, how, how open are they about their situation with you? They're pretty open.

I mean, when I look at it, they're always really complaining about their credit card debt.

They do have a mortgage, but they say to me that their mortgage is pretty under control.

Their credit card debt's the main issue, and they've always been pretty transparent.

Part of it has been me.

I've researched about the investing and all that stuff,

but with the debt in their situation,

they've been pretty open with us. Are they working their way out of debt?

Are they like on a plan that they're changing what they're doing?

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