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8.47, welcome back. If you have credit card debt, you are not alone. Often the idea of paying it off is overwhelming. But the longer you let the debt pile up, the more money you will pay to wipe it all out. Bill Spencer is joining us this morning to share what you can do right now. Right? This very minute to get rid of credit card debt for good. Good morning, sir. Hey, good morning, Zach. Yeah, and thats a very important thing because right now we have record credit card debt in this country. Weve docHubed a level that has never been seen before. Its actually 1.1, 8 trillion dollars that Americans all in credit card balances. Okay. That is just phenomenal. At the same time were paying the highest average interest rate on these credit cards weve ever paid the average. Now other people are paying more than this, but the average interest rate on a credit card right now is 20 0.7, 4%. And again, record-high never been seen before a few years ago. People would just you just scoffed at t