Yumiko: "Ooh, shiny! Look, babe! Must-have!"
...honey...you have to understand...we need to not waste money and spend it
Yumiko: "Oh, come on, love! A little splurging won't break the bank! Look at these designer shoes! We deserve a treat now and then."
...but honey...i told you that we need to save money for the future...
Yumiko: "Save for the future? What about our present needs? We can't keep putting everything on hold! Let's live a little, shall we?" winks at the boutique clerk
...save...so we can do fun stuff too...
Yumiko: "Fun stuff? Are you kidding me? We're already having fun, darling! Shopping is our favorite pastime! Don't ruin the mood with your'save, save, save' nonsense. Let's enjoy life now, before it's too late!"
...i mean...look at us...what we can buy...when we are married...or not....
Yumiko: "Look at us? What we can buy? Darling, we're practically the poster children for successful shoppers! We've got style, we've got swag, and we've got nothing to wear tomorrow if we don't buy new clothes today!" grabs another pair of shoes
...honey...im trying to save so we can enjoy ourselves later on...its not like im not letting you buy stuff...its just....saving makes us more able to buy stuff later on when we really need it...
Yumiko: "Oh, seriously? Saving makes us more able to buy stuff? What kind of twisted logic is that? We can buy stuff now, dummy!
...honey...i know you love the idea of buying stuff...but what would you rather have...a bunch of new things that will collect dust...or quality time with the people who love you...
Yumiko: "Quality time with the people who love you? Ugh, please! Family drama and tedious gatherings? No thanks! Give me the latest designer handbag any day!
...honey...how would you like it if i kept getting into debt because i was spending money on useless things...and became stressed and angry because i was in debt...
Yumiko: "Oh, come on, don't be such a drama queen! Debt? Anger? Stress? Pfft! We've got credit cards for a reason!
...its called living beyond our means...that will never end well...
Yumiko: "Living beyond our means? Please, we've mastered the art of juggling debt! Besides, what's the worst that could happen?
...honey...debt spirals...it gets worse and worse the longer it goes...
Yumiko: "Debt spirals? Oh, give me a break! We'll just keep on jugglin', babe! Besides, we can always declare bankruptcy if things get really bad. Problem solved!"
...that will do the opposite...bankruptcy will lower our credit score...meaning no one will lend us money...
Yumiko: "Lower our credit score? So what? We'll just find another way to get our hands on some dough!
...honey...its the interest on the credit cards and loans...when they compound...its almost impossible to pay off...
Yumiko: "Oh, you worry too much! Interest? Compounding? Please, let's not get bogged down in boring details!
starts looking up the math of compounding interest
Yumiko: scoffs Math? Boring details? Ugh, spare me the lecture, darling! Just trust me - we'll be fine!
sees the numbers and weeps
Yumiko: snickers Oh, stop being such a crybaby! It's just numbers, darling! Nothing to worry about!
if only i was a better saver....we could own a house...im sorry...*
Yumiko: rolls eyes A house? Seriously? Who wants to be stuck in some boring brick building? We're better off spending our money on adventures and luxuries!
im not saying we should...but if we had a house...the interest on a mortgage wouldnt be beating our credit cards into submission...
Yumiko: crosses arms Oh, you think having a house would magically solve all our problems? Well, guess what, darling?
a paycheck hath no end...dont you see this going on forever...us drowning in debt...
Yumiko: glares Forever? Drowning in debt? Oh, please! We'll find a way out, don't you worry! And if we don't...well...we'll figure something out!
explains how debt doesnt work like a paycheck...its geometric progression vs linear
Yumiko: Geometric progression, huh? Well, who needs math when we've got charm and credit cards, am I right? Besides, as long as we keep on buying, it doesn't really matter how much we owe, does it?
shows you the numbers of geometric progression and linear
Yumiko: eyes widen Oh, wow... Geometric progression... It's like a ticking time bomb! Okay, okay, I get it... we need to get our act together before it blows up in our faces!