 It's the Ramsey Show, talk radio where debt is dumb and cash is king. Listen on KRDO Newsradio weekdays at 1. Thanks for listening, America. We're so glad you're here. I'm Dave Ramsey, your host. Rachel Cruz, Ramsey personality, is my co-host at 888-825-5225. Justin's in Spokane, Washington. Hi, Justin. How are you? I'm blessed. Good. How can I help? So...