 And you can follow through the whole baby steps routine. We'll coach you. We'll show you what to do. And the thing is robust. It lays out each paycheck for you. It does everything. Download the EveryDollar app for free in the App Store or go to Google Play today. Dylan is in Denver. Hi, Dylan. Welcome to the Ramsey Show. Hey, how are you guys doing today? Better than we deserve. What's up?