 Dr. John Deloney, Ramsey personality, Ph.D. in counseling, number one bestselling author. He's my co-host today. Open phones at 888-825-5225. Thanks for joining us, guys. Our question of the day comes from Jen in Tennessee. All right, Jen writes, I came to this country years ago with nothing. I've worked hard, don't have any debt, my house is paid off. Just stop there. That's so great.