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 did n't need it i should n't have even qualified to get it i did n'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 do n't take out ten thousand dollars in loans do n't do it and i do n't i hope do n't think he 'll have to do that but i just so like we might if we did n'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 driends should look towards me as a model of saving money .