text:  attack these bills with me already from paycheck to paycheck. Okay, why does a 21-year-old need his mommy to pay his car payment? Because that's his mommy's name, and he's not working yet. Well, he was working, but they just laid him off, so I bought it for him as a graduation gift. You bought him a car payment? Okay. How much do you owe on your car? I owe now about $12,000. What do you owe on his?