 Dave Ramsey. Well, there's only so much money to go around, and that's the problem. Even with what he makes, which is a substantial income, and he told me, he said, I don't have any toys, I don't have a big house, and he said, we just have the basic stuff, and he's raising kids, but it's like he just don't know where the money goes. And maybe he needs to get a little better handle on it, for sure. We're going to take a quick break. You're listening to The Right Time for West Oklahoma. Our guests on the program are Brian and Briley Baca from Advanced Financial Strategies.