 Contact Y-Refi at 844-2-RAMSI or go to Y-Refi.com slash Ramsey. That's 844-2-RAMSI or the letter Y, then R-E-F-Y.com slash Ramsey. Go from debt-free to building wealth with a Dave Ramsey Show. Weekdays, noon till 3 on Freedom 95. WFDM, Franklin, Indianapolis. WXLW, Indianapolis.