text:  Rachel Cruz, Ramsey personality, is my co-host today. Thank you for joining us, America. The best way to make the most of your money is by telling it what to do. Creating and sticking to a monthly plan known as a budget, the dreaded B word. Every dollar needs a name. Every dollar needs a mission. Every dollar needs an assignment. So we named the world's best budgeting app, EveryDollar. It's the EveryDollar budgeting app.