 Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual, amazing relationships. I'm Dave Ramsey, your host, number one best-selling author, Jade Warshaw. Ramsey Personality is my co-host today. Open phones at 888-825-5225. Craig is with us in Minneapolis. Hi, Craig. How are you?