 and create actual amazing relationships. George Campbell Ramsey, personality, number one best-selling author of the book Breaking Free from Broke, co-host of the Smart Money Happy Hour Ramsey Networks production, is my co-host today. Open phones at 888-825-5225. Oliver is in Raleigh, North Carolina. Hey, Oliver, what's up? Hey, how are you doing today? Better than I deserve. How can I help?