 Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. I'm Dave Ramsey, your host, Jay Boshaw, number one best-selling author. Ramsey Personality is my co-host today as we answer your questions. The phone number is 888-825-5225. Ryan's in Seattle. Hey, Ryan, what's up?