 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. Thank you for joining us. Dr. John Deloney, Ramsey personality, number one best-selling author, Ph.D. in counseling. He's my co-host today. The phone number is 888-825-5225. Happy Fourth of July weekend.