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[Music] jim is with us in tampa florida to kick off this hour hey jim how are you how are you guys doing great how can we help wonderful well dave the first thing that im going to ask for you is to uh not yell at me for making a stupid financial decision that im about to tell you i have a rule the first caller of the hour i never yell at them so youre in luck dave you know i have been following your uh financial principles for uh um for a while now uh and um right now uh were on baby step six so were almost done paying off our home were actually um you know probably by either the end of this year or the beginning of next year well be paying off our home so were really were really good on that wonderful um i am very upset because um uh we puzzled into a time share you what and you already know where this is going you want into a time share we got well okay so we got invited to one of the timeshare presentations and you know ill be honest with you i was really um i was just re