 George Campbell, Ramsey personality, number one bestselling author of the book Breaking Free from Broke, co-host of the Smart Money Happy Hour, Ramsey Network's production, is my co-host today. Open phones at 888-825-5225. Oliver is in Raleigh, North Carolina. Hey, Oliver, what's up? Hey, how are you doing today? Better than I deserve. How can I help? Yes, so I was calling in to see if I could get some guidance. Okay.