Yes, welcome in to another edition of the Tim McKernan show here on the Inside

STL Podcast Network from the Home Loan Expert.com Studios.

I am your host Tim McKernan alongside producer Kenneth Iggy Strode.

Welcome in to questions from the audience. You're always

welcome to submit your questions by email team a kernel at inside

STL.com or you can send them on the TMA fan page on Facebook.

TMA fan page on Facebook.

Join in.

I mean, it's certainly about the show probably, you know, 30%,

but then the other 70% is just random wittery and it's good entertainment even if you're not a TMA

listener and you just listen to the podcast so it's the TMA fan page on Facebook submit questions

or email me there team occurring at inside STL.com.

We're in the Home Loan Expert.com studios, Ryan Kelly,

our sponsor of the studios and Ryan Kelly can help you get out a credit card debt.

$16,000 is the number.

$16,000 is the average credit card debt

for an American household right now.

And normally, the system is kind of set up

so you can't get out of it, even if you say,

okay, I'm gonna make sure we pay this much, this much.

We still have the interest rates and so it still makes it very difficult to get out of it.

Well, right now, with home values as high as they are, and with interest rates as low as they are,

...