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[Music] hey guys welcome to the rachel cruz show so today i'm going to be reacting to a video called why credit cards are a scam from the comedy youtube channel cracked and it's part of their series called honest ads and apparently it's supposed to be so funny i've never seen it so this is my first time viewing it and i can't wait cause i hear it's a little sarcastic which i just appreciate that so okay here we go want to have money without having money want to go to stores and get things because you want them then use my horton card it's reliable it's no fuss it's a fancy plastic iou card that will have you swimming in debt for the rest of your and your offspring's life don't make sense okay pause for a second okay fascinating you'll be swimming in debt for the rest of you and your offspring's life it's very fascinating that they said that because i think so much of understanding money we don't realize how much we're impacting our kids and when your kids see something that is so normal they're gonna jump in and think yeah that's when mom and dad did that so i'm gonna do that like it's a mirrored effect until someone says no no no no and for the rest of your life because they are dang good at trapping you and just kind of keeping you in the cycle it's fascinating okay okay let's keep going and to make sure you feel comfortable with spending money you don't have we'll use this comedian to make you feel like it's no big thing i'm from that tv show that's doing reasonably well so i've got a sense of humor about spending money on stuff i don't need just charge my card buddy okay pause i love that they're making fun of the fact that they use celebrities because we see that all the freaking time and we're like oh well if they're on tv they must be really great with their money so i'm gonna listen to all their advice for getting it these credit card companies are paying them so much money to do these ads but we just think that they're trying to help us out so that's really funny whatever doesn't really matter to me because i'm mostly excited to get cash back relatable i know why use gross paper covered with pictures of dead guys when you can use my square piece of dinosaur carcass with numbers on it in fact nowadays you have to have a square of recycled soda bottle because how else would you even be able to purchase your online subscription to watching what used to be free or paying for an expensive education that won't lead to a job really any financial milestone that's right to get a roof over your head you need to earn credit which is really just showing you own a...