 Rachel Cruz, Ramsey Personality, is my co-host. I'm Dave Ramsey. This is The Ramsey Show. Open phones at 888-825-5225. James is in Fort Lauderdale. Hi, James. How are you? Hey, guys. Thanks a lot for taking my call today. Sure. So my question is, I'm a W-2 employee. I've been pretty bothered by the amount of income tax I pay. I've been investing into a Roth 401k because of your teaching.