Have you seen this commercial from the only bank that admits there is a time to spend and a time to save?

You’ve got to hear this. It’s awesome. You’ll feel so much better after watching it.

“We’re a nation of Consumers… and there’s nothing wrong with that.”

That voice is like my mom, my therapist, and the hottest girl in high school with a sprinkle of Jesus on top isn’t it? It just feels good to hear. I feel better hearing it. The way she says “we are a nation of consumers” there’s like a little giggle on the end of consumers or something. Being a consumer is cute. Right? Like I feel giddishly stupid and yet confident and assured at the same time. It’s wonderful.

Go on…

“After all, there’s a lot of cool stuff out there. ”

I know!!! Girl… I mean, you know me so well. She’s like Oprah – down to earth, really feeling what it’s like to be out there at the mall. With all the cool stuff… I gotta have it.

“The trouble is – there’s so much cool stuff its easy to get little carried away.”

I know, right? But hey… wait a minute I don’t like the accusation. It almost sounds like she’s insinuating it’s my fault, like consuming all the cool stuff is bad. It sounds like bad news is coming and the soundtrack is getting louder and faster. I’m scared. Hold me.

“If that happens, this material world of ours can stop being wonderful and start getting stressful.”

OMG no! No! That sounds like really bad. Like Yelowstone-is-actually-a-super-volcano bad. WTF? Is that guy that bought an entire appliance section putting it all back on the truck? He looks worried. Should I be worried too?

“But what if a credit card company recognized that?”

What? Wait – recognized what? I don’t know. So she’s not accusing me of getting carried away?

Who got carried away?

What?

“What if they admitted there was a time to spend and a time to save?”

Whew. So its the banks fault. I knew I was a victim. That’s why I buy cool stuff – ’cause I’m cool and I like to feel good about myself.

Why does the graphic show the bar charts descending when she said “save”? Hmmm… maybe that’s a Cingular commercial or something…

Wait… a time to spend and a time to save, isn’t that like a line from some hippie song? Its so poetic – I like poems.

“What if instead of encouraging us to spend more, they actually helped us spend smarter?”

Come to think of it, yeah, why hasn’t my bank encouraged me to spend smarter? Bunch of crooks…

Hey wait minute – is she calling me dumb? Just who the hell does she think she is? She’s making it sound like this I’m responsible somehow. I thought it was the cool stuff’s fault?!

And mean banks that don’t admit stuff.

“Maybe then we could have a better quality of life and be in a better financial position while we’re living it.”

Better than now? All of a sudden I’m feeling a lot better again. That’s great news.

It’s wonderful now but there’s something better than wonderful and I’ll be in a better financial position. Neat!

“We could have less debt and more fun.”

More fun? Less debt? Oh, right, from the 5% cash back they give me that must have been what that graphic was showing, my debt going down.

The music is getting happier too. Whew!

“And this material world could get a whole lot brighter!”

Yeah! Planes will land. The beach. Travel. A hot girl on a bench… Ooooooo, no, 3 hot girls in a cab. Who are they waving to in that plane? That little boy sure looks happy. The plane landed. That was a short trip.

Huh?

Brighter.

Shiny and bright and wonderfuler.

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