 I'm Dave Ramsey, and we're talking life and money on The Ramsey Show, weeknights 6 to 9 on your hometown station. George Campbell, Ramsey Personalities, my co-host today. Tyler is in Alabama, Birmingham to be precise. Hey, Tyler, what's up? Hey, Dave, I'm good. How are you doing? Better than I deserve. How can I help? Yeah, so I'm trying to invite the ways of Dave into the house, and it seems like getting traction is kind of tough.