text:  You're listening to The Ramsey Show. I'm Jade Warshaw, joined by Dr. John Deloney. We're taking calls all hour long, 888-825-5225 is the number to call if you want to get involved, and we hope that you do. We're going to New York, New York, where we've got Harrison on the line. What's going on, Harrison? Hi, Jade and John. How are you guys today? Excelente.