 King of a debt-free life, Dave Ramsey on News Talk KVNU. Dave Walsh, our Ramsey personality is my co-host. Matt is in Miami. Hi, Matt. How are you? Hey, Davey. I'm doing better than I deserve. How are you? Better than I deserve, sir. What's up? Awesome. Glad to hear that. So I'm in a little bit of a situation here. I am following your baby steps, and I currently have about $10,000 in debt in my car, and I'm planning to pay that off.