 author of the number one bestseller, Breaking Free from Broke, and co-host of the Smart Money Happy Hour, a big hit on Ramsey Networks. He's my co-host today. Open phones at 888-825-5225. Thank you for joining us. Dylan is with us in New York City. Hi, Dylan. Welcome to the Ramsey Show. Hey, Dave. Hey, George. Thanks for having me. Sure, man. What's up?