 This is The Ramsey Show. I'm Jade Borshaw. Next to me is George Camel. We're taking your calls. You can call in. 888-825-5225. The only caveat is it's got to be about your life and your money. It's a good caveat. It's a good caveat. There's a lot of podcasts out there. This is a financial podcast. It's for personal finance. Okay. So let's go to the phone lines. We've got Michael who is in Chicago, Illinois. What's going on, Michael?