 He's my co-host today. We're taking your calls at 888-825-5225. Dave is with us in Cincinnati. Hi, Dave. Welcome to the Ramsey Show. Hi, Dave and John. I'm a long-time listener, and it's an honor to talk to both of you guys today. Thanks for taking my call. Sure. How can we help? I am at this season of life. I'm looking at 63 years old.