 I'm Dave Ramsey, your host, Jade Walsh. Our number one best-selling author and Ramsey personality is my co-host today. Open phones at 888-825-5225. Matthews in Orlando. Hi, Matthew. How are you? Oh, I'm fantastic, Dave. How are you? Better than I deserve. What's up? Wonderful. So I'm on baby step number two, and my wife and I are thinking about buying a home compared to waiting until we pay off all of our debt.