 You can do that for free at ramseysolutions.com slash agent. Teddy is in Traverse City, Michigan. Hi, Teddy. How are you? I'm doing great, Dave. What a pleasure to speak to you today. You too, man. What's up? Well, I've been in debt most of my whole life between cars. My wife and I bought a house. I am self-employed. My wife is retired after 32 years. I make about $70,000 a year in salary.