 Dr. John Deloney, Ramsey Personality, is my co-host today. Open phones at 888-825-5225. Thanks for hanging out with us, America. We're glad you're here. Daniel is in Richmond, Virginia. Hi, Daniel. How are you? I'm doing well, sir. How are you? Better than I deserve. What's up? I was calling because I have a vehicle that basically, between the payment and the insurance, is about $1,000.