 This is Bill Fresa, and you're listening to Real Clear Radio Hour on News Talk 93.1. The total money makeover, or if you're ready to learn how your behavior is your biggest obstacle to making good money decisions, check out Know Yourself, Know Your Money. With tons more proven books and budgeting tools, you really can have the future you want. Check out our best sellers at RamseySolutions.com. That's RamseySolutions.com.