 Ken Coleman, Ramsey Personality, is my co-host today. Thank you for joining us, America. The best way to make the most of your money is a plan. Tell your money what to do instead of wondering where it went. Most people, the money comes in, the money goes out. Only the names are changed to protect the innocent. We don't know where it went. That's most people. And then you scratch your head and wonder why you're broke.