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.”