 Welcome back to The Ramsey Show. I'm George Campbell, joined by Dave Ramsey this hour, and we are taking your calls at 888-825-5225. Thanks for joining us, everybody. Tracy is next up in Lynchburg, Virginia. Hi, Tracy. How are you? Oh, Dave and George, I am so excited to be here, and only by the grace of God I am better than I deserve. Good for you. How can we help?