Task: Question Answering
Input (English): Context: i put my credit application in for him , but i hope the fucking thing does nt go thru . that s the last thing he needs is a motorcycle right now . its the worst time ever to spend money on excess . brendan needs a room !. 
Question: What may be the reason why its the worst time for excess ?
Output (English): The economy is in a downturn right now .