 I'm Dave Ramsey, and we're talking life and money on The Ramsey Show, weeknights 6 to 9 on your hometown station, KELY. All right. Welcome back, everybody. Let's go right to the phones. The beautiful state of Georgia. Tom is on the line. Hi, Tom. What can I help you with today? Well, I sure hope you can, Todd. But quickly beforehand, my humble request on your wonderful ideas and help is,