 build wealth, do work that they love, and create actual amazing relationships. Rachel Cruz, Ramsey personality, number one best-selling author, host of The Rachel Cruz Show, co-host of Smart Money Happy Hour, both on Ramsey Network, and my daughter is my co-host today. Skyler is in Charlotte, North Carolina. Hi, Skyler. How are you? Hi, Dave. Peace and blessings to you both. You too. What's up?