 We deliver your morning news right to your smartphone. Download the free Seville 107.5 app from the Google Play, or iTunes Store, and WCHV.com. Thanks for joining us, America. I'm Dave Ramsey, your host. Jade Warshaw, Ramsey personality, is my co-host. The best way to make the most of your money is by creating and sticking to a plan to be intentional. A plan in the money world is called a budget. Just tell your money what to do instead of wondering where it went.