 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. Daily financial wisdom and life-changing stories. The Dave Ramsey Show on Freedom 95. WFDM Franklin, Indianapolis. WXLW Indianapolis. In all states.