 Good. How are you? Better than I deserve. What's up? So this is crazy that you picked up my call because I've been listening to you every day. I am 26 and I'm about $150,000 in debt. And I'm just dreaming, trying to figure out how can I change my life? How can I get out of this debt? I just feel like I'm stuck. So I just really need your advice on how I get out of this financial mess.