 I'm Dave Ramsey, your host. Thank you for joining us, America. Rachel Cruz, Ramsey personality, number one best-selling author many times over, and co-host of the Smart Money Happy Hour show with our own George Camel, all on the Ramsey Networks. She's my co-host. Oh, and my daughter today. Political correspondent this week as well, so if you need any politics... I love politics. She's our internal update on this, and she has way too much fun. No, I just love watching the conventions, all of it, so...