 I'm Dave Ramsey, and we're talking life and money on The Ramsey Show, weeknights 6 to 9 on your hometown station. 5 o'clock Eastern, ladies and gentlemen. You can watch the Todd Stern Show for free on Newsmax's YouTube channel. So just look for Newsmax, too, and you'll see the live feed. You can also watch us on Roku, Amazon, a lot of the OTT platforms, as well as Facebook Live.