 Winning is an intentional act. Heather is with us in Nashville. Hi, Heather. Welcome to the Ramsey Show. Hi, Dave. Hi, Rachel. Thanks for taking my call. Sure. What's up? My husband and I are on Baby Steps 4, 5, and 6. And we want to be intentional about how we plan our finances for our family with a recent change. Two years ago, my husband's mother passed away from ALS.