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live from the headquarters of Ramsay Solutions broadcasting from the PODS moving and storage Studios its the Ramsey show where we help people build wealth do work that they love and create actual amazing relationships Dr John deloney host of the Dr John deloney show number one best-selling author of The Fabulous book own your past change your future I was trying to remember it there for a second Breaking Me Down open phones here at triple eight eight two five five two two five lets start with Nick and Sacramento this hour hey Nick how are you Im doing great how are you doing better than I deserve whats up uh such an honor to talk to you um we actually came into our debt-free screen back in uh 2017 and uh youve definitely changed their life so thank you well thank you you changed your life we just showed you how proud of you on Monday that I am being laid off as of next Friday awesome and yeah um so we only have our mortgage obviously because were debt free um and Im getting uh 1