 Jay Warshaw, Ramsey Personality, is my co-host. Kurt is in Philadelphia. Hi, Kurt. How are you? I'm good. How are you? Better than I deserve. What's up? I'm wondering if you have advice for me. I have about $7.8 million in financial assets. With the bulk of it, $6 million in tax-deferred IRAs, 401Ks, and 403Bs. I'm a 66-year-old guy.