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All right, let's get to Valerie in Atlanta, Georgia. Valerie, what's going on?

Hi, thank you both so much for taking my call. I greatly appreciate being here.

Sure.

Sometimes I try to use humor to get through things.

So if I say something and y'all are laughing at it, but I'm serious at the same time.

I am new.

I'm kind of Ramsey-ish, trying to be much more involved.

I was on the Ken Coleman show, not once but twice.

He didn't tell me I was a hot mess, but I've heard Dave Ramsey say basically some of the things that I'm experiencing, I'm a hot mess. I have

the mind of a gazelle, but I'm waddling around like a penguin. I can't get anywhere.

That's self-aware at least, Valerie. I appreciate that honesty.

So how can we help?

If Ken Coleman couldn't help you, who can?

What's going on?

I'm sorry.

Oh, you're good.

So you're 58, and you sound like you're scared to death.

And he's thinking, yeah, John, you can help me. And that's why he hooked me up

with you. He said I really probably needed, needed to talk to you. I wanted to come to the

book signing. We don't have any money. So basically I'm married to somebody much. I'm trying

to talk fast. And if I talk too fast, let me know, But I'm trying to get it all in because it's a big mess.

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