 You can download EveryDollar for free in the App Store or on Google Play or at EveryDollar.com. Winning is an intentional act. Heather is with us in Nashville. Hi, Heather. Welcome to the Ramsey Show. Hi, Dave. Hi, Rachel. Thanks for taking my call. Sure. What's up? My husband and I are on Baby Steps 4, 5, and 6.