 Jay Guashaw, Ramsey Personality, is my co-host today. Thank you for joining us, America. We appreciate you hanging out with us. Juwan is with us in Springfield, Illinois. Hi, Juwan. How are you? Good. How are you doing? Better than we deserve. What's up? Hey, so I'm trying to figure out my best course of action. Right now, I am trying to get a second job so I can hurry up, pay off all this debt so I can get a down payment.