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My husband is currently following a TikToker who is promoting this first lean helock.

And I'm very hesitant about it.

In fact, my family gives me the name Dream Crusher because I'm just not a risk

maker.

Dream Crusher. Hey, here's my big problem number one, Brooke. Your husband's quote following a

TikToker. That should be your first problem right there. Well, that's what I say too, but he

thinks that I don't really understand the process.

He's following a TikToker. Right, but I look at, but I'm looking at the numbers and I just don't feel,

I just can't see how it could work. So tell us about it. Yeah, go ahead. Tell us about the first

lean you have. This is my favorite call the whole day. There's no way a call is going to be better than this one. Are you 16 and he's 17? Did you get married real young? Well, no. I'm actually in my 50s, but we have been married for a long time. Please tell me your husband's a 50-year-old TikToker.

He is. He is. He is.

Every once in while I wake up and I just think, as a society, we're doomed, and this is another

vote for that. Right. Well, I think it's once you, you know, once you click on something,

then you see all of the same things. And so this particular guy keeps coming across. And the way

that he advertises, it sounds, I don't know, to him it sounds great. But this first lien he lock

serves as your bank account. I know. I know. I know. Why? And just to be clear, if you, typically if you take a HELOC, like, in the order, it's like you've got your mortgage and then you've got the helic under it. So if you were to foreclose, the money would first pay off the mortgage and then the helot would go next. With first lien, it reverses that order. So the home equity line of credit is

first, that's the first thing that's paid, that sort of thing. My question is why? Why do you need this?

Why are you guys to the point of doing these types of things? I don't think that we do need it.

But see, the advertisement is that, oh, you can pay this off in three to

six years, which, what's he using the money? Like, what's the purpose of the, what's the purpose

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