text:  From Ramsey Network, you're listening to The Ramsey Show. I'm your host, Jade Warshaw, joined by your other host, Dr. John Deloney. We're taking calls for the next couple of hours about your life and your money, so give us a call. The number is 888-825-5225, and we will get into it. We'll get knee-deep in all the things that you're going on and what's going on in your world, so give us a call. Let's go straight to these phone lines, John. We got Alex, who's in Boulder, Colorado. What's going on, Alex?