 Host of the most popular Dr. John Deloney show on Ramsey Networks. You can hear him there all the time. Ph.D. in counseling. He's my co-host today. Open phones at 888-825-5225. Jenny, or Jenna, rather, starts this hour off in Spokane, Washington. Hi, Jenna. How are you? Hi, Mr. Dave Ramsey. Hey, what's up? So, my situation's a bit complicated.