 100% of you will hit the sidewalk. The truth principles are one size fits all. And so the shortest path to building wealth is to not have any debt. That is one size fits all. And that's because it's the truth. So you get to decide what you want to do. That is the shortest path to building wealth. Dave Ramsey, weekday afternoons at 1 on KRDO Newsradio. Hi, Roy Clinton, founder of Mortgage Solutions Financial.