 This portion of The Ramsey Show is brought to you by Uncommon Sense Investing, financial representatives who share the Ramsey philosophies. Online at UncommonSenseInvesting.com. I'm your host, Jade Warshaw, joined by your other host, Dr. John Deloney. We're taking calls for the next couple hours about your life and your money, so give us a call. The number is 888-825-5225, and we will get into it. We'll get knee-deep.