It's Friday, and this is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Dr. John Deloney.

Ryan starts off this hour in Akron, Ohio.

Hey, Ryan, how are you?

I'm doing well.

How are you, Dave?

Better than I deserve.

What's up in your world?

Awesome. Hey, well, Dave? Better than I deserve. What's up in your world? Awesome.

Hey, well, I've always enjoyed personal financing and learning about it.

And in college, I even helped friends, you know, make budgets and just basic stuff like

that.

And I just got so excited about it.

I know I wanted to help people with their money.

And I graduated this past May, May 2020, got a job at a bank because I thought, you know,

that's a great place to help people with their money.

And that's right around the time I started to listen to your show consistently and really do the baby steps for myself.

Good for you.

Yeah, yeah.

I've seen how many lives your plan has changed dramatically.

And I feel like the stories I hear on your show are from people who would walk into the bank

and I would feel pressure from my know, from my boss and from corporate

...