Yes, please.

It was not even the debt.

The debt didn't get me into HH because the moment I hit the ceiling, we did the balance transfer, and then we cleared it out, and then ...

So it, it was like maybe C.

Like, okay one, uh, not, not terrible.

Still can get a credit card one.

How I screw it up is after I've, I have cleaned up my personal finance at age 27, 28, right? I have that one Citibank card that can let me go to Zouk, the $500 one.

Then your bill is lesser.