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 didn't need it i shouldn't have even qualified to get it i didn'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 don't take out ten thousand dollars in loans don't do it and i don't i hope don't think he'll have to do that but i just so like we might if we didn'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
( 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 ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) )
(ROOT (FRAG (CC and) (NP (NP (FW i)) (SBAR (S (S (VP (VB look) (PRT (RP back)) (PP (IN on) (NP (NP (DT that)) (CC and) (NP (FW i)))))) (VP (VBD bought) (SBAR (S (NP (NP (NNS shoes)) (SBAR (S (NP (FW i)) (VP (VBD went) (SBAR (S (NP (NN shopping) (NNS i)) (VP (VBD did) (RB not) (VP (VB need) (SBAR (SBAR (IN that) (S (NP (NN money) (NNS i)) (VP (VBD did) (RB not) (VP (VB need) (S (S (NP (PRP it)) (ADVP (RB i)) (VP (VBD did) (RB n't) (VP (VB need) (NP (PRP it))))) (S (NP (FW i)) (VP (MD should) (RB n't) (VP (VB have) (ADJP (RB even) (VBN qualified) (S (VP (TO to) (VP (VB get) (NP (PRP it))))))))) (S (S (NP (FW i)) (VP (VBD did) (RB n't) (VP (VB need) (NP (PRP it))))) (CC and) (S (NP (PRP it)) (VP (MD would) (VP (VB have) (VP (VBN been) (ADJP (NP (DT a) (RB little)) (JJ rough)) (SBAR (S (NP (FW i)) (VP (MD might) (VP (VB have) (VP (VBN eaten) (NP (NP (DT some) (NN bologna)) (PP (RB instead) (IN of) (NP (NP (NN roast) (NN beef)) (PP (RB out) (IN of) (NP (DT the) (NNS deli)))))))))))))))) (CC but) (S (NP (FW i)) (VP (VBD did) (RB not) (VP (VB need) (NP (PRP it)))))))))) (CC and) (SBAR (IN as) (S (NP (FW i)) (VP (VBP look) (PRT (RP back)) (ADVP (RB now)) (ADVP (RB now))))))))))))) (SBAR (S (NP (PRP we)) (VP (VBP 're) (VP (VBG paying) (SBAR (IN that) (S (S (ADVP (RB back)) (NP (FW i)) (VP (VBD told) (SBAR (S (NP (NP (PRP$ my) (NN son)) (SBAR (IN if) (S (NP (PRP you)) (VP (VBP have) (S (VP (TO to) (VP (VB live) (PP (IN in) (NP (DT the) (NN ghetto) (S (VP (TO to) (VP (VB go) (PP (TO to) (NP (NN college))))))))))))))) (VP (VP (VBP do) (NP (PRP it))) (CC but) (VP (VBP do) (RB n't) (VP (VB take) (PRT (RP out)) (NP (QP (CD ten) (CD thousand)) (NNS dollars)) (PP (IN in) (NP (NP (NNS loans)) (SBAR (S (VP (VBP do) (RB n't) (VP (VB do) (NP (PRP it))))))))))))))) (CC and) (S (NP (FW i)) (VP (VBP do) (RB n't) (VP (VB i) (NP (NN hope)))))))))))) (VP (VBP do) (RB n't) (VP (VB think) (SBAR (S (NP (PRP he)) (VP (MD 'll) (VP (VB have) (S (VP (TO to) (VP (VB do) (SBAR (IN that) (S (S (CC but) (NP (FW i)) (ADVP (RB just) (RB so)) (VP (VBP like) (S (S (NP (PRP we)) (VP (NN might) (SBAR (IN if) (S (NP (PRP we)) (VP (VBD did) (RB n't) (VP (VB have) (NP (NP (DT those) (NNS loans)) (SBAR (S (NP (PRP we)) (VP (MD could) (VP (VB have) (VP (VBN saved) (PP (IN in) (NP (DT the) (JJ last) (CD five) (NNS years))))))))))))))) (S (NP (NP (DT the) (NN money)) (PP (IN for) (NP (NP (DT that)) (CC and) (NP (FW i))))) (VP (VBP believe) (SBAR (S (NP (PRP we)) (VP (MD would) (VP (VB have) (SBAR (IN because) (S (NP (NNP God) (POS 's)) (ADVP (RB really)) (VP (VBD put) (NP (PRP it)) (PP (IN in) (NP (PRP$ our) (NN heart))) (S (RB not) (VP (TO to) (VP (VB get) (PP (IN in) (NP (NN debt))))))))))))))) (S (NP (PRP you)) (VP (VBP know))) (CC but) (S (NP (PRP we)) (VP (VBP have) (NP (NP (NNS friends)) (PP (IN at) (NP (NN church))) (SBAR (WHNP (WDT that)) (S (VP (VBP do) (NP (NP (DT this)) (PP (IN on) (NP (NP (DT a) (JJ constant) (NN basis)) (SBAR (WHNP (WDT that)) (S (VP (VBP are) (ADVP (RB totally)) (NP (NN debt)) (ADVP (JJ free))))))))))))))))) (CC and) (S (NP (PRP they)) (VP (VBP pay) (NP (NP (NN cash)) (PP (IN for) (NP (NN everything))) (SBAR (S (NP (PRP they)) (VP (VBP buy))))))))))))))))))))))))))
I am envious of all my debt-free churchgoing friends.
( I ( ( am ( envious ( of ( all ( my ( ( debt-free churchgoing ) friends ) ) ) ) ) ) . ) )
(ROOT (S (NP (PRP I)) (VP (VBP am) (NP (NP (NNS envious)) (PP (IN of) (NP (DT all) (PRP$ my) (ADJP (JJ debt-free) (JJ churchgoing)) (NNS friends))))) (. .)))