 this is the ramsey show i'm jade warshaw next to me is george camel we're taking your calls you can call in 888-825-5225 the only caveat has got to be about your life and your money okay so now it's a good caveat it's a good disclaimer you know there's a lot of podcasts out there this is a financial podcast it's for personal finance okay so let's go to the phone lines we've got michael who is in chicago illinois what's going on michael