 that they love, and create actual amazing relationships. Dr. John Deloney, number one best-selling author, Ramsey personality, host of the Dr. John Deloney Show, is my co-host today as we answer your questions about your life and your money. It is a free call, and some say the advice is worth exactly what you pay for it. The phone number is 888-825-5225. Thank you for joining us. Kelly in Denver starts this hour. Hi, Kelly. Welcome to the Ramsey Show.