 I'm Dave Ramsey, your host. Thank you for joining us. Dr. John Deloney, Ramsey personality, number one bestselling author, Ph.D. in counseling. He's my co-host today. The phone number is 888-825-5225. Happy Fourth of July weekend. Happy birthday, America. You big, beautiful beast. Pretty amazing. Brandon's with us in Atlanta, Georgia. Hi, Brandon. Welcome to the Ramsey Show.