 Thanks for joining us, America. This is the Ramsey Show. George Campbell, Ramsey personality, is my co-host today. Joshua's in Seattle. Hi, Joshua. Welcome to the show. Hey there. How y'all doing? Better than we deserve, sir. What's up? So I am a 30-year-old single dad. Just got divorced earlier this year. And I am in about $38,000 worth of debt of my own.