 Ken Coleman, Ramsey Personality, is my co-host today. Malachi's in Tucson, Arizona. Hey, Malachi, how are you? Pretty good. How about yourself? Better than I deserve. What's up? Well, I have myself in kind of a financial hole that I'm finding harder to get out of than I expected. I have debt that I'm trying to get rid of, but it just seems like it's not getting anywhere.