Premise: and i look back on that and i bought shoes i went shopping i did not need that money i did not need it i didn't need it i shouldn't have even qualified to get it i didn't need it and it would have been a little rough i might have eaten some bologna instead of roast beef out of the deli but i did not need it and as i look back now now we're paying that back i told my son if you have to live in the ghetto to go to college do it but don't take out ten thousand dollars in loans don't do it and i don't i hope don't think he'll have to do that but i just so like we might if we didn't have those loans we could have saved in the last five years the money for that and i believe we would have because God's really put it in our heart not to get in debt you know but we have friends at church that do this on a constant basis that are totally debt free and they pay cash for everything they buy

Hypothesis: My friends should look towards me as a model of saving money.
Relation: neutral