 Hi, Dave. First of all, thank you for having me on the show. Super excited. So I am 21 years old, married with a three-month-old kid, or not three months anymore, excuse me, five-month-old, and recently separated from the military. And my wife and I are roughly $16,000, $17,000 in debt, and we have no idea which way is up. We're just kind of stuck. We don't really know how to get out of all this debt is our big issue.