 that they love and create actual amazing relationships. Jade Warshall, best-selling author, Ramsey personality is my co-host today. Open phones as we talk about you right in front of you. The phone number is 888-825-5225. The call is free and some say the advice is worth exactly what you pay for it. Tyler is with us in Topeka, Kansas. Hey, Tyler, welcome to the Ramsey Show. Hi, Dave. Hi, Jade. Thanks for taking my call. Sure. What's up?