 Welcome back. Now here's some more unconventional wisdom to set you free from the man on a mission to retire America one person at a time, Del Wamsley. Welcome back to the Del Wamsley Radio Show. Today we're going through an article called 10 Financial Commandments for Your 20s. And we're at number four right now, which is make a debt repayment plan. Now let's paraphrase this by saying, first of all, up front, you shouldn't have debt.