 From the Ramsey Network, it's The Ramsey Show. I'm Jade Warshaw. Next to me is Dr. John Deloney. We're taking your calls about your life and money, so give us a call. The number is 888-825-5225, and we will take our best shot at giving you our advice, what we would do if we were in your shoes. That's how you have to filter this. You're grown, but we're telling you what we would do, okay? So we're going to go straight to these phone lines where we've got Jordan. He's in Portland, Oregon. What's going on, Jordan?