 Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. I'm Dave Ramsey, your host, Ken Coleman, Ramsey personality, number one best-selling author, host of The Ken Coleman Show, is my co-host today. Open phones at 888-825-5225. Marcus is in Boston. Hey, Marcus, how are you?