Credit Karma TV Commercial, 'The Hard Way'

Two roommates are hanging out in the living room when one of them shows off his credit score through CreditKarma. The roommate playing video games doesn't seem interested until his other roommate asks him what if he wants to get his own apartment or a new car? He then scoffs and reminds him about the last time he learned the hard way, like moving without hiring movers. A quick cut scene shows the roommate attempting to move a couch up a stairwell, only to lose hold of it and see it go out the window and crushing a car on the street level, several floors below.