take the credit, yes, i am seth meyers. >> yeah.to your movie, the bank officer asked the kind of question that a loan officer would ask. >> do you have some new income that i don't know about? >> no, still making 21 grand a year. >> okay. all right. are you still spending $38,000 a year? >> that's what it says. >> so you're adding $17,000 a year in debt. >> oh, is what it comes out to? debt limit going up, ding. >> do you have any cuts in your expenses? >> oh, of course, yes. my wife and i cut $380 out of our annual budget. >> okay. so you're adding $17,000 a year to your $140,000 in debt. and you cut $380. >> when you say it like that it sounds like not a lot. >> you don't -- >> i cut my budget by $380. are you kidding? >> and the $380 refers to what we supposedly saved at the last budget deal. >> yeah. i want to point out how brilliant that bald actor is. that guy is unbelievable. little bit of a diva, but he's phenomenal. >> easy one. >> yeah. >> let's watch the end of your film where the irresponsible consumer and banker find a