 This is Ramsey Network. You're listening to The Ramsey Show. I'm Jade Warshaw. Next to me is Dr. John Deloney. And hey, thank you for being here. We're glad you're here. We're glad you're a listener of the show, whether you listen on podcast or YouTube or all the other ways that you can enjoy the show. Thanks for being here. And if it's really meant something to you, do us a favor. If you can like the show, subscribe to the show. But more importantly, man, share the show. If you share this with other people, it's a wildfire. It can't be stopped. And that's something that you can do for free.