 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. Dr. John Deloney, Ramsey personality, number one best-selling author, host of the Dr. John Deloney Show, and Ph.D. in counseling. He's my co-host today. Open phones at 888-825-5225. Marie is in Washington, D.C. Hi, Marie. How are you?