 She said, so the bank, which has way more money than I do, looked at your financials and said you weren't good for it. Now you want me to put my finances on the line when a financial institution who has way more money than I do didn't think you were ready for this car loan. And that was the end of the conversation. At the time, Michelle was upset. She thought that she'd done everything correctly. But ultimately, Michelle realized that her grandma was right.