 Dr. John Deloney, Ramsey Personality, is my co-host today. Joe's with us in St. Louis. Hi, Joe. How are you? Hi. I'm sorry. I'm really nervous. It's okay. We've never lost a patient. You'll be okay. So I'm 19, and for my two years of college that I've gone to so far, my dad has controlled all of my savings money, and he invests the big chunks of it and tries to make more money.