 I'm Dave Ramsey, and you're listening to Your Morning. Join me tonight at 6 as we talk life and money on The Ramsey Show. Welcome back to The Ramsey Show, and if you're counting, that is the second Smashing Pumpkins song. Let's go out to Raleigh, North Carolina, and talk to K.I.M. What's up, Kim? How we doing? Hi there. My question is,