text:  I am so ready. I've got my pen and pad, and I am so 100% ready. I'm tired. I mean, the first thing I would do, Samantha, is I'd cut up your credit cards today. I'd get rid of them, and I would force yourself to live on less than you make with the income you have. And that's going to include these debt payments staying current, but it's going to force probably a different lifestyle to a degree. I know you're not out there...