 I'm Dave Ramsey, and you're listening to The Dave Ramsey Show on WRHI 100.1 FM. Jade Walshaw, Ramsey personality, is my co-host today. Thank you for joining us, America. Sam's in Birmingham. Hi, Sam. How are you? I'm doing good, Dave. How are y'all? Better than I deserve. What's up? So, I'm going into my third year of law school this next year, and I financed law school recently.