 Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual, amazing relationships. Rachel Cruz, Ramsey personality, number one best-selling author, host of the Rachel Cruz Show, co-host of Smart Money Happy Hour, both on Ramsey Network, and my daughter is my co-host today. Skyler is in Charlotte, North Carolina. Hi, Skyler. How are you?