 Dr. John Deloney Ramsey, personality, is my co-host. Thanks for joining us at 888-825-5225. Daniel is with us. Daniel's in New York City. Hi, Daniel. How are you? I'm good. How are you? Thanks for taking my call. Sure. What's up? So I'm 25 years old. I make $100,000 for my W-2 job. I have a couple rentals that I cash flow about $40,000 a year from.