 Offering common sense advice about your money and your life. I'm Dave Ramsey, and this is The Ramsey Show on KSRM 920 AM. Thanks for listening, America. We're so glad you're here. I'm Dave Ramsey, your host, Rachel Cruz. Ramsey Personality is my co-host at 888-825-5225. Justin's in Spokane, Washington. Hi, Justin. How are you?