 Rachel Cruz, Ramsey personality, number one best-selling author, host of the Rachel Cruz Show, co-host of Smart Money Happy Hour, both on Ramsey Network, and my daughter is my co-host today. Skyler is in Charlotte, North Carolina. Hi, Skyler. How are you? Hi, Dave. Peace and blessings to you both. You too. What's up? Yeah, I'm calling because my wife and I, we've been really struggling. We're trying to make ends meet. We're