text:  cool hi John that's a good question you're good man I'm glad you're looking at this through the right eyes and figuring out how to solve it appreciate you joining us Alex is in Denver Alex welcome to the Ramsey show Merry Christmas hey Merry Christmas thanks for taking my call sure what's up I had a question today not about gift giving but gift receiving so long through shirt we've been using your guys's baby steps since about late 2022 so a little over a year and