 Thanks for joining us, America. Jade Warshaw, Ramsey Personality, is my co-host. John's in St. Louis. Hey, John, how are you? Not too bad by yourself. Better than I deserve. What's up? Just calling to try to get a little bit of advice from you, Dave, on ways that my wife and I can tackle our monster debt that we have. Currently, without our house, we are at $240,500. Good Lord.