0:00cafe trip planning A young Asian male, mid-20s, with dark, curly hair, is framed from the chest up, looking directly into the camera with an enthusiastic, smiling expression. He is seated at a table, with a green iced beverage in a clear plastic cup with a black straw visible in the lower left foreground. The background is an indoor-outdoor cafe setting, with blurred details of wooden ceiling beams, glass windows, and hints of people walking outside. The lighting is bright and natural, indicating daytime. He is actively speaking and smiling, gesturing slightly with his head. The dominant colors are the light grey of his sweater, the green of the drink, and the warm wood tones of the interior. Overlays of text appear on screen: 'That one friend who is gonna make that spring break trip happen' at the top, and 'This spring break, let's go to Hawaii!' followed by 'I'm down bro, let's do it.' and 'I need to start saving then.' and 'Okay!' as dialogue progresses.
The young Asian male is now in a new setting, likely a warehouse store food court, sitting at a white table. He is again framed from the chest up, looking into the camera. He is holding several small white paper cups and clear plastic containers filled with food samples in his hands, using small white plastic spoons to eat. The background reveals a wide, open industrial-style space with a high ceiling, visible air ducts, and fluorescent lighting. Shelving and other shoppers are blurred in the distance. The overall lighting is bright and even. He has an engaging, slightly playful expression as he discusses eating free samples. The color palette includes the dark grey of his shirt, the white of the samples, and the muted industrial colors of the background. Text overlays appear: 'Hey, dinner's free this week.' 'Bro, you're so embarrassing, what is that?' 'Wow, free samples are out there for a reason. I'm gonna eat it.'
0:09living room phone use The young Asian male from the previous scene is seated on a light beige couch in a well-lit living room. He is shown from the waist up, engrossed in his smartphone, which he holds with both hands. His expression is calm and focused. The background features warm-toned wooden furniture, including a large cabinet with glass doors displaying various decorative items, and a dining area with white chairs. A patterned throw blanket is draped over the couch next to him. Natural light streams into the room. The color palette is warm and inviting, dominated by creams, browns, and the dark tones of his clothing. Text overlays include: 'Yo Kyle, can I use your restroom?' and 'Yeah of course.'
0:12doorway confession The young Asian male is framed in a medium-close-up, peeking out from behind a wooden louvered bifold door, which is slightly ajar. His face shows a mixture of surprise and a determined, slightly exasperated expression as he explains his money-saving habits. The background is a dimly lit interior hallway, with a patterned glass panel visible behind him. The lighting emphasizes his face, casting some shadows. He is actively speaking to someone off-camera, gesturing with his head and hands. The dominant colors are the warm brown tones of the door, his dark t-shirt, and the muted colors of the hallway. Text overlays include: 'Bro, what are you doing in here?', 'I can only flush once a week on Fridays. I need to save money on the water bill.', 'Are you serious?', 'Yes, water isn't going to pay itself.'
0:20grocery haul no bag The young Asian male, now wearing the light grey 'NEW YORK' sweater again, stands outside a modern building, possibly a grocery store or supermarket. He is framed from the chest up, holding an armful of assorted packaged snacks, drinks, and food items, balancing them carefully. He looks directly at the camera with a confident, slightly mischievous smile, explaining why he didn't get a bag. The background is a clean, modern building with large windows and a concrete parking lot. The sky is a soft, twilight blue. The lighting is natural and even. The color palette features the grey of his sweater, the bright, varied packaging of the food items, and the muted tones of the building and sky. Text overlays include: 'Kyle, why didn't you get a bag bro?' 'They're charging 25 cents for a bag. Isn't that crazy?' 'I mean I guess.'
0:24park bench flight savings The young Asian male, still in the light grey 'NEW YORK' sweater, is sitting on a brown park bench outdoors. He is framed from the chest up, looking directly at the camera with an intense, almost frantic expression as he explains extreme measures to save money on flights. The background features a grassy park area with scattered trees, a basketball hoop in the far distance, and a light-colored sky suggesting late afternoon. The lighting is natural and soft. He uses hand gestures and animated facial expressions to emphasize his point. The dominant colors are the grey of his sweater, the green of the grass, and the light blue/grey of the sky. Text overlays include: 'Bro, if I take a red-eye with five layovers, I can save $20 for our trip.' 'That's not worth it.' 'It is!'
0:29affirm solution reveal The young Asian male is still seated on the park bench, but his attention is now directed towards a laptop positioned to his right on the bench. He is framed in a medium-close-up, his expression shifting from focused to surprised and then delighted as an off-screen voice explains how to use Affirm for travel. The background remains the same park setting with green grass, trees, and basketball hoops, under a bright, overcast sky. The lighting is soft and even. He reacts with big, expressive gestures and wide smiles. The color palette is natural, featuring greens, browns, and the grey of his sweater. Text overlays appear: 'Kyle, you don't need to do all that.' 'You can just apply to use Affirm through Expedia.' 'For real?' 'You can get as low as 0% APR when you pay over time with Affirm on eligible bookings if you qualify.' 'Seriously?' 'Yes bro.' A disclaimer 'Subject to eligibility. See lending terms at affirm.com/disclosures' is persistent at the bottom of the screen.
0:39affirm logo transition A brief, clean white screen with the word 'AFFIRM' subtly visible in the center in a light grey font. This serves as a quick visual transition or brand interlude before the final scene. The lighting is bright and even. The color palette is minimal, predominantly white with subtle grey text.
0:40beach reconciliation Two young Asian males are seated side-by-side on a sandy beach. The male from the previous scenes (on the right) is looking at his friend (on the left), who is speaking to him. The setting is a golden hour beach scene, with warm, soft sunlight illuminating the subjects from the side. In the background, blurred houses and the distant horizon are visible under a clear blue sky. The camera is positioned slightly below eye level, capturing their relaxed interaction. The color palette is warm and inviting, dominated by the golden sand, blue sky, and soft light. Text overlays appear: 'Sorry for not letting you flush the toilet.' 'That's okay, I'm over it.'
