 Hey, Dave. Thanks for taking my call. Sure. What's up? My wife and I have been married about 10 years. We're looking at combining our finances for the first time. Good. She currently has $11,000 in auto loans and $14,000 in student loans. Mm-hmm. I recently paid off $20,000 in credit card debt with a large bonus that I received, so I'm debt-free currently. Mm-hmm.