 The following was previously recorded. No phone calls, please. Dr. John Deloney, number one best-selling author, Ph.D. in counseling, host of the Dr. John Deloney Show, Ramsey personality, all those kinds of things. He's my co-host today. The phone number is 888-825-5225. Matthew is with us in Denver. Hi, Matthew. How are you? Hey, Dave. Hey, Dr. John. Thanks for taking my call. Sure. What's up? Yeah, so I'll try to be concise here, but