 Dr. John Deloney, Ramsey personality, is my co-host. Open phones at 888-825-5225. Dr. John is a Ph.D. in counseling, number one best-selling author many times over. Also host of one of the more popular shows on the Ramsey Network, called the Dr. John Deloney Show, where people call him for on-air questions to the counselor. Well, you can get to him today. 888-825-5225. Crystal's with us in Colorado Springs. Hi, Crystal.