text:  My deal in here. Just bring it up. Bring up Phil for me. Can you turn that off? Hey, Phil, how are you? I'm fantastic. How are you guys? Can you hear me? Better than I deserve. What's up? Well, Dave, my wife and I are having what we believe to be a financial meltdown. We need some help. We need some advice. Okay. We're tired of owing people money. We want to get out of debt ASAP. And frankly, the arguments and the stress...