 Dr. John Deloney, Ramsey Personality, is my co-host. Open phones at 888-825-5225. In the lobby of Ramsey Solutions, and we invite you to stop by at any time and hang out. We're doing the show from 1 to 4 Central Time. We're just south of Franklin, Tennessee. Great place to visit in the Nashville area. We invite you to come by and drink some wonderful free coffee, some homemade chocolate chip cookies.