 if you're unable to pay off the balance each month. And again, your task is to review current rates and compare those with your other options. I posted an article related to this at creativeplanning.com slash radio. If you'd like to reference that as well as all simple tasks from 2024. Well, it's time for listener questions. And one of my producers, Britt is here. Hey, Britt, thanks for joining us. Let's kick it off with Shane in Virginia.