A talking baby starts by suggesting, “I’m not trying to micromanage your finances.” He discusses his etrade savings account and how it earns eight times the national average in interest. He tells how he and the boys were talking about “what to do with all that extra coin and I was like, I’m rentin’ a clown, Bobo here.” Then reconsiders whether he got his money’s worth when he concludes, “I really under-estimated the creepiness.”