Transcript: So, honestly what I'm thinking, I'm in a really unique situation and nobody is often open when they are in this situation.   Kenzie and I, we made some money with our business.   I successfully put it into some tech stocks, made some money with it and then instead of putting it back in the US dollar or keeping it in stocks when it just seemed, it was in July of this year.   We were down in California filming and I'm like, this seems unsustainable.   I'm almost parking my assets, my capital into clothing which is harder to liquidate but I feel like I have a higher impact on it rather than like, I don't have an impact on Apple stock worth.   But for the first time in my life, I'm slightly over leveraged.   I mean, I've had student loans my whole life so I've been in debt my entire adult life which is a fascinating thought, isn't it?   Well, it depends.   For some people, that's normal.   For others, it's not.   That's what I'm learning.   I'm just trying to be open with it with people because I've always, aside from student loans which are on pause and forbearance and whatnot, I've always had money but now I'm slightly in debt and it's a situation that most people don't speak openly about which it doesn't seem like it really benefits many people.   So I'm just curious like throughout your life, have you ever leveraged yourself or when you've been like, I mean, you talked with, my understanding of what you do is you talk with business owners kind of frequently.   You may have experienced people in that position a lot.   I'm curious your thoughts on leverage, essentially.   Yeah.   Well, in general, I mean, it's clear from the work that I've done and the life I've lived that there's different levels of leverage, if you want to call it that, that people are willing to extend and their comfort is very stew.   So some people don't mind going to the ultimate and spending whatever it is that they want to do thinking that that's going to be important to them and other people aren't willing to take that kind of a risk.   So they withhold that and on the other end of the spectrum, they're actually looking at a situation where you have not much, but you don't want to spend it with the idea that you'll pay for it as it goes as opposed to using credit, for example, and that would be what I've experienced anyway with people.   Move that just a little closer.   So you said if you'd use the term leverage, would you use credit or debt or I'm curious?   Yeah, I'm more comfortable with that.   I understand leverage is just another word that describes the circumstance and it may be more favorable for some people to use the word leverage.   Well, a lot of people buy a house and they're like, cool, I own a house, but I'm like, no, you took on a $300,000 debt.   They're heavily leveraged in what's it called, the housing market, not retail, it's real estate.   Oh, real estate market.   They're just heavily leveraged with all their capital in real estate.   Okay.   And that's true.   But it's helping them achieve what they want out of life, that they want to have a house that they can call their own, even though technically it belongs to whoever holds the paper on the house until that loan is paid off.   Yeah.   Yeah.   In your experience, do you think it's better to go, like my understanding is of what you said, correct me if I'm wrong, is when you say it goes slower, you just mean bootstrapping, which and like I'm someone, you can't offend my feelings.   I'm not hurt.   I'm speaking openly because I just want more people to talk openly about finances so it's less of a taboo.   Okay, again, my personal values are to pay as you go.   And so I'm most comfortable with that.   But I also felt that at a certain point in my life, I did want to have a home and so I did borrow money to do it.   And that's probably the only time I've really borrowed money is to buy a home.   And then pay it off as fast as I can.   That's really how I loo