Welcome back to Financial Foundations brought to you by Base Wealth Management, where we are the foundation to your financial plan. I’m your host Dustin Taylor, and I’m your co-host Kyle Howell from Base Wealth Management in Loot’s office.
Today, we have with us Marti Barthauer, who is a debt-free mom, an agent with United Financial Freedom, and a financial educator. We’re going to discuss how to become debt-free. Marty, for the first question, can you take us back to the beginning and what sort of cultivated this money mindset that you have?
Marti Barthauer: Yeah, so it’s really been a lifelong interest of mine, at least for my adult life. I remember as a kid kind of just going with the flow. My parents, back in the ’80s, when a savings account paid six or seven percent, they made me save everything I earned, which was disappointing when my friends were spending it on what they wanted to. But that was the reason I made it through college. So that savings account squeaked me by. Approaching the end of college, the student loans were racking up. I hadn’t really thought twice about it; it just seemed like that’s what you do, that’s the normal thing to do. You know, back in 2001 when I was graduating, I had racked up about $44,000 in student loans, which today probably would feel more like $100,000. And toward the end of college there, I started to become more aware of that as I’m preparing to go really out on my own. And so I read a book by a financial educator named Larry Burquette called Debt-free Living. And I started listening to some of those call-in radio programs where people asked budgeting questions and debt elimination questions and things like that. And so I started to get on the journey for living a more responsible lifestyle because I hadn’t learned any of these things in school.
Dustin Taylor: So Marty, with that being said, how are you helping others with kind of the journey that they’re going through, kind of mirroring what you’ve done in the past?
Marti Barthauer: Yeah, and so in my own personal journey, we ended up following money map steps. I know there’s a variety of different ones out there from different financial literacy programs, but my husband and I followed those steps. And so just through my example, I think that is encouraging to people. But as an agent with United Financial Freedom, what I have found is that there’s a much more fun and better way to help people out of debt without so much sacrifice. And so that’s what I enjoy telling people about, because who really wants to give up all their lattes and eat rice and beans and do some of the things that we did to get out of debt, which I would call the hard way. That’s what I’m excited about now.
Kyle Howell: Talk to us a little bit more about, you know, the early habits that kind of helped you get to where you’re at now.
Marti Barthauer: Yeah. So my husband and I got married shortly after college, and he is a very analytical and likes to use spreadsheets. Me not so much. And so I remember discussing our budget before we actually got married. And so we had it all figured out to the penny on an Excel spreadsheet. And when we worked that out, we found that I had about $20 a month as a 22-year-old newly married person to do what I wanted with. And so that was going from kind of a spoiled only child to a wake-up call. And we both had college degrees, but the jobs we were able to get right out of college did not afford a larger discretionary fund. And so we went to work 50, 60 hours a week, just made that spreadsheet work for us.
Kyle Howell: That’s great.
Marti Barthauer: Yeah, great. Some of the other things we did along the way, we did the crazy couponer thing. So you’ve heard of that? Yeah. That is like having a part-time job. So it, you know, you don’t have a 1099 or a W2 or anything, but I had to budget about five hours a week to collect my five newspapers, cut out all the coupons we might potentially use, file them alphabetically, find the store ads for the week, and then find the things that were on sale and combine the coupons with them. And so it was like this game to play to save 65, 70% at Publix or CVS or whoever had the best offers that week. That worked really well because it was before we started eating healthy. And so if we were gonna eat junk, we might as well save money, right?
Dustin Taylor: There you go. There you go.
Marti Barthauer: One of the other things we did that people kind of looked at us with an extra eye or something was in 2008, we were able to buy a repoed mobile home. We were working for someone that we rented a home from, and when we quit that job, we had to leave that place. And so we found this repo mobile home for, listed by the bank, for $28,000. It was perfect timing. We offered like $20,000, and they took $21,500. So we got a four-bedroom, two-bath house that we pretty much just had to put new floors and paint the whole thing, and it was a good basic house for cash. And so we lived there. The lot rent back then was $367. Again, people, our friends are like, “What are you doing?” Like, you have jobs and college degrees, and why are you living there? No, we were living there because I was able to quit my job by my husband taking a second job so I could stay home with the kids, because I worked from home, which was fine when I had one kid. But once I had two and they’re both crying, one of them’s crying, always crying, when I’m trying to answer the phone professionally. So it just got too stressful, and I thought, I don’t… I don’t want my kids to be like ignored their whole childhood where I’m just doing this. And so my husband took a second job, so I was able to quit the first, and then he was able to let go of that second job because of our choice to live in this mobile home. And so we lived there for eight years. And then one of the other things we did, which was extra nuts, but we did it for fun. So we wanted to do this. We didn’t have to for our budget, but we actually sold both of our cars and we rode our bikes everywhere. And so we put the… we got a bike trailer and the two-year-old and the four-year-old rode behind and we got in the best shape of our adult lives. And life was simple back then because they’re in preschool. So we went to the grocery store, we went to the playground, we went to church, and that worked at that point in our lives. It wouldn’t work very well now. We gave up on that at 15 months in when the bike trailer broke. We were… we were closing it up to put it away for the night, and the frame cracked, and we’re like, “Let’s buy a car.”
Dustin Taylor: Perfect timing.
Marti Barthauer: Yep. Perfect timing.
Dustin Taylor: So, that’s pretty extreme.
Marti Barthauer: Yeah. Yeah. But it was fun.
Kyle Howell: Yeah, I would say, you know, most people these days probably wouldn’t want to go that extreme, right?
Marti Barthauer: I’m not sure I would do it again either. Not… not in this age bracket of life. Yeah.
Dustin Taylor: Is that how you paid the mortgage off in five years? Because it was the $28,000…
Marti Barthauer: No, we did both those things before the mortgage. So…
Kyle Howell: Okay. So, you got a mortgage later.
Marti Barthauer: We got a mortgage nine years ago, and our house was only $159,000. So…
Dustin Taylor: So, now take us through how you went from those extreme lifestyle things to now where you’re at now.
Marti Barthauer: Yeah. So people do pretty much anything in their 20s and 30s, right? But about nine years ago, we were able to purchase a home at a lower price than what the market offers now, right? And because we had done some of these money map steps from the financial literacy programs we listen to, we were in a position that as we went, we were able to just throw chunks of savings at it and knock it out in about four and a half years. And so it… that would not have worked if we were buying a house now. That would be a different… different story.
Dustin Taylor: Yeah. So, you have… we can kind of get into what you’re doing for a living now and talk about the Money Max account because one of the things that you promote is being able to pay off a 30-year mortgage in under 15 years. So, similar to what you had done in the past, you’re now doing that for a living. So, let’s… let’s talk about that a little bit. What kind of… talk to us about the Money Max account. How do you show people how to pay off a 30-year mortgage in under 15?
Marti Barthauer: Yeah, I appreciate the opportunity to share about that. So, if I had known about the Money Max account 20 years ago, we would have had a better, easier, less drastic way to get out of debt. And I, once I looked into the program, I saw that that’s what it did for people. And I couldn’t not share it. And so what we generally tell people is that, you know, if I can show you a way to pay off all your debts, including your mortgage, in as little as five to 10 years, sometimes it’s two, sometimes it’s 15, like Kyle said, but in general, most people, five to 10 years, and save you half to two-thirds of the interest you’re scheduled to pay. Would you want to know about that? And so, nobody says no to that question. People don’t like paying the bank to get nothing in return, right?
Kyle Howell: So, you mentioned that you paid off your mortgage, and then you had student loans, and you paid those off, right? And what are some reflections that maybe you have about that living counter-culturally? What are… what are, I guess, your takeaways from that?
Marti Barthauer: Yeah. So, on the other side of it, I would say I don’t have any regrets because we learned a lot, right? So, there’s no point in having regrets. I don’t live in the past. But if I had known about the Money Max account, for example, sooner, it… it did exist 20 years ago in a different form. If I had known about that sooner, we could have done that more fun. We would have taken more vacations. We actually would have purchased a home with a mortgage sooner because what I found is that in my intense desire to avoid debt, I became a little bit overly debt averse instead of recognizing the situations where I can have debt work for me constructively, like in a business opportunity. Sometimes you will leverage debt to make a profit, and you limit your options if you are unwilling to ever do that in any circumstance.
Dustin Taylor: So how did you transition or what sparked the transition as well from doing these things yourself to then becoming a financial educator and helping other people to do it?
Marti Barthauer: Yes. So several things happened along the way. I was connected with some friends who were teaching, offering some financial literacy classes, and they actually invited me to come and co-teach the class with them. So we called it our Financial Freedom Bootcamp, and it was three weeks long, and I liked the materials that we were using. We were using because they weren’t just cut up your credit cards and sacrifice, like people will hurt their credit and just put themselves in a worse position from some of these strategies, you know, putting the credit card in the freezer, like, let’s get real, right? And so I liked what we were using because we were teaching the offense and the defense and what they call the playing field of money. And so learning how banks bank, learning how different algorithms work, just learning how different financial principles work and taking advantage of those because banks always have their monies working for them and so the consumer can do the same thing. So it was just a natural progression. I had taught an economics class in our homeschool co-op. We homeschooled our kids all the way through, and one of the things we did in that class was play the board game Cash Flow for Kids by Robert Kiyosaki. So, it’s kind of based on that cash flow quadrant where you can be employed, you can be self-employed, you can be a business owner, or you can be an investor. How can you get on that other side where you have your money invested and working for you instead of just working so hard and it’s all dependent on you and your efforts? And so I think just from playing that silly game so many times where you win the game when your passive income exceeds your expenses, it just got burned into my brain like we can… we can win this game in real life. And I’d done many entrepreneurial things, like since the crazy couponing days, I’d sold stuff on Amazon and did several different direct sales companies, and I had to learn a lot of it the hard way. It was a long process of just getting good at some of those people’s skills, but it’s kind of like you look back on your life and at the time you didn’t know how it all connected, and then you see all of it work together, and you have this skill set that now can really powerfully help people. And so then I was provided with the absolute right opportunity to maximize that for others.
Kyle Howell: And you were debt-free at this point. So was there any sort of skepticism that you had about this, you know, new opportunity, I guess?
Marti Barthauer: Sure. So because of some close friends really urging me to take a look at this opportunity, that’s why I was already busy doing other things, coaching women and helping people in different ways. And so I, I kind of thought, “I don’t need one more thing to do.” But when I dug into the material from the agent side of things, I thought, you know, initially I thought I don’t need this program because I’m already debt-free. But it’s… it’s not really about being debt-free. It’s a cash flow management system that is always working to optimize your money so that you are earning the most interest and canceling the most interest. And so six weeks into it, I was telling my husband, “Like, we need this thing,” and he didn’t see it because we’re debt-free. And what I felt like was once we got debt-free, we got a little bit lazy in our mindset. We weren’t as focused about continuing to move forward. And so I regret some of those wasted years. And and obviously, that’s some of the things that Kyle helps people with, and I wish we had taken advantage of more of those things sooner instead of being distracted. And so as I plugged in, I saw that this tool literally solves the financial issue for any American situation. Whether they have a lot of debt, a little bit of debt, or not even any debt, the system will improve their bottom line.
Dustin Taylor: Okay. So we’ve mentioned it several times. It’s called the Money Max system. Can you tell us about it, what it is exactly, and some details about it?
Marti Barthauer: Yeah, thank you. So, the Money Max account, the company has been around for 20 years, and they developed it with 4.5 million lines of code. Now, they used a NASA engineer to help program it with the advanced banking algorithms. As you guys know, not all loans are calculated the same. So, a mortgage has a lot of interest loaded on the front end, for example. I learned this yesterday, some student loans, even though they have a very low interest rate, are negative amortization. And so, they’re making the payments, but their debt is never going away. But if you just think, “Well, I’ll just do the snowball method,” and I’ll just pay the… or the avalanche, I guess, to pay the highest interest rate first, you might ignore that student loan and not know that you’re getting deeper in debt as you go. So, the program goes to work behind the scenes with all of these very advanced, complicated algorithms. And it took them a long time and over $25 million invested to get the formulas behind the scenes right. But now they guarantee that when a client has an analysis to show them exactly when they’ll be debt-free using the Money Max account, money-back guarantee, that if they follow the plan, the math is going to work for them, and they are going to get out of debt when it says that they are. That’s pretty mind-blowing. On a typical consultation that we offer, we see clients saving anywhere from $50,000 to, I think, the highest I have personally seen is about $350,000. On our team, we’ve helped real estate investors save $966,000 on six rental properties just by making the right payments to the penny on the exact right date. That is the most strategic and most efficient mathematically to get them out of debt the fastest. So, it’s really just math. It’s not even AI, but math doesn’t lie, and it doesn’t have emotions. And so for forecasting future financial decisions and just knowing where you’re at at any given time, it gives you a lot of peace of mind.
Kyle Howell: And I’ve actually seen this, you know, in real life. I’ve, you know, referred a client to you, and we did, you know, a Zoom call together and was able to see, I don’t remember the exact number, but it was $320-something thousand of savings in interest. And and seeing the way this this program works and and showing the client down to the penny on what day of the month to make that payment is mind-boggling to me. Yeah. And I guess it all goes back to that 4.5 million lines of code, right? It’s… it’s pretty incredible. It’s kind of like using a GPS, like you don’t know how it works, but you’ve used it enough times that you know it does, and so you follow it. At least it works most of the time.
Marty Barthower: Right. Right. Money Max works all the time. But…
Kyle Howell: So, so to kind of simplify this a little bit because you hear these numbers. I mean, pay off a mortgage in five years whenever it’s supposed to be 30. That’s kind of crazy, right? And people, you, even yourself, were skeptical about this. So how exactly does it work? Is it all about like timing your mortgage payments just because you pay it at the beginning of the month instead of the end, or you pay it twice monthly? Is it stuff like that?
Marti Barthauer: So, inside the Money Max account, there’s three main areas. The budgeting area, which can be very general or it can be very detailed. It’s just the user’s preference. There’s the account area that has all of their accounts and the different interest rates and the types of loans that they are. And then the main page that people are always looking at is the action plan. And so, this is a user-friendly dashboard with built-in instant gratification. At the top, there’s, you know, their exact debt-free date, how long they have left, how much interest they have yet that they can cancel by following the action plan, and how much interest they’ve already saved. And so, as soon as they see that interest saved number going up by following the steps in their action plan, they… they get motivated, and it’s almost gamified because they… they think, “Well, what could we do to like ‘ching’ that a little bit more, right?” And so the action plan will prompt all of the normal bill paying as… as you would do normally. And it’s not moving the money for them. It’s just… it’s just the GPS. It’s the guide of what to do. We tell our clients it’s going to take about 10 minutes a week to keep up with it. And it is easy to use. But what makes the big impact is the strategic transfer. So on the action plan, there’s little transactions with arrows on them. And so anything with arrows is a strategic transfer either to build wealth, like to build up their emergency fund or to earn the most interest possible, or it’s going to be to pay down that debt, and it’s going to work according to their priorities. So if they want a higher emergency fund because that makes them feel more comfortable, that’s their choice, and they can do that, and the system will prioritize what settings they’ve chosen. But when they make that strategic transfer, they click the button to execute that transaction. And so, for example, it’s saying, “Pay this particular credit card this extra amount to principal on this exact day with this exact penny.” And so, it might say something like, you know, “Pay $984.76 on June 2nd to the Discover card.” And then it tells them, “By doing this, you are going to cancel,” and I’m just throwing a number out. This isn’t a real scenario, but “you’re going to cancel $1,700 of future interest.” So they know right then that when they make that transfer, which they probably don’t enjoy because they’d rather go do something fun, but they’re going to push that button. They’re going to get that instant gratification on their dashboard that says interest saved, and the number is going to go up. So it becomes very fun.
Kyle Howell: So do you have to know your budget beforehand, and do you help with that, or does the… the software handle?
Marti Barthauer: We do help our clients. We have actually had some demos where clients came to us upside down, and so we’ve had to tell them, kind of coach them and say, “You know what, you’re going to have to stop digging your hole,” and so here’s… here’s some ways, you know, we can help you do that. We help them create a budget that’s actually going to work during that appointment. And so each new client with Money Max gets a 90-minute onboarding call with our corporate support. And so that’s a one-on-one Zoom meeting with our awesome American-based customer service, and they are extremely patient and they walk the… the new client through making sure all of their loan data is in… input correctly for the right type of loan and so forth, the right payment dates for the month, right? Because now you can rely on your action plan to make sure that you’re doing everything on time. It’s just a great process. They get all their questions answered. They get unlimited customer support for… for life. They can even pass their Money Max account down to their kids if they get to a point where, hey, “We’ve done what we want. We want to help our kids have some automated financial literacy.”
Dustin Taylor: So you mentioned earlier about, you know, wealth building, and you know, obviously we’re talking about this Money Max account and helping people pay down debt at a very fast pace, but talking about, you know, wealth building, and I… I think typically your system is using just a typical bank account, right, to move money back and forth, but we have, you know, brokerage accounts that we use on our side on the wealth building side, and we have, you know, money market funds that are just… it’s like holding cash that pay substantially higher than what a typical bank is paying at this moment in time. Right. So, can you talk a little bit about that and how when we link our brokerage account to your money account, how does that show the client how to make those transactions?
Marti Barthauer: So, the system’s always going to prioritize earning the most interest possible while that money is resting and awaiting a future movement. And so every day we have clients that have their money in a big bank that’s paying 0.025% interest. So they’re getting virtually no interest. And so, yeah, we… we are thrilled to be able to recommend some of the options that you provide because there’s no reason their money shouldn’t be working for them all the time. So that emergency fund that they have chosen, that exact amount should be sitting there earning something and still be accessible, right?
Kyle Howell: Yep.
Dustin Taylor: How is this account paid for? Is… is there a upfront charge? Is it taken out of another account? How does it work?
Marti Barthauer: Yeah, this is something that I had to… to work through in my mind as a new agent. I thought, “How am I going to sell something to people who are in debt, right?” And so, what I love is that in almost every situation, we run the client’s numbers. We’re… we’re just offering a very educational patient consultation just to give them a very clear snapshot of where they are now. So when they’re going to be debt-free with what they’re doing now, when they could be debt-free, right? Let them ask all their questions. We’re not pushy. We want to maintain that 4.8 star review on Trust Pilot. And we don’t want chargebacks. So we don’t want people who felt pushed into purchasing the program. And so what I love about this is that the… the account is actually causing the user to cancel as much interest as they would invest in the program. Usually, in the first couple of months of using the program, if they choose one of the financing options to purchase the program, it’s kind of like nothing happened to their budget because by the time they pay that, they’ve canceled more in interest that they would have paid than they invested in the program. And so their bottom line has already improved within a couple of months.
Dustin Taylor: So you mentioned, you know, the financing options. So obviously there’s… there’s more than one option on how to pay, you know, the fee to to get the Money Max account. So I think what you’re saying is we can either, you know, put this on another credit card, we can, you know, pay cash from our bank account, or we can finance this fee if it’s a little bit more than what we currently have in the bank.
Marti Barthauer: Correct.
Kyle Howell: Okay.
Marti Barthauer: We do have some 0% financing options if their credit score is good. But then we also have in-house financing for people who have harmed their credit, you know, life circumstances, been through hard times. So, no one is turned away.
Dustin Taylor: You mentioned that you two are working on or working with a client on this. Are they debt-free yet, or where are they at in the journey? Can you talk about…
Kyle Howell: So, this is a fairly young couple. Have only been married for I think about a year and a half, two years. They just bought a house last year in 2024. They both had student loans. One of them has already paid off the student loans. So, they want to attack the other spouse’s student loans as well as pay down the mortgage as fast as possible. They don’t keep revolving credit. They don’t have car payments. It’s literally just their mortgage and the student loans. So, I introduced them to Marty a few weeks back, and Marty showed them they’re going to be completely debt-free in, I think it was 12 years, and that puts them in their early 40s. So being debt-free, and he… and the husband told me after… after the fact that he would like to be able to go out and purchase another property with a mortgage and use this Money Max account to be able to pay that down just as just as fast as they’re doing in the… the current home.
Marti Barthauer: Yeah. And so with the Money Max platform that they purchased, that platform allows one to three mortgages. And so they can actually input a second mortgage into the program and do some forecasting to see what that does to their financial situation and their debt-free date before they make that decision.
Dustin Taylor: And just to clarify even further of how this works, it’s… it keeps being referred to as an an account type. So it’s something that you fund, and then it’s that’s how you pay the debt with those funds, or how does… where does it come into play that it’s an… it’s a financial technology web-based platform that is just providing the roadmap for the user. It’s dynamic. So unlike other financial literacy programs that have static recommendations that you have to figure out, learn, apply, try to work those into your life, try to keep up with them. This one’s just always recalculating. So if you work on commission and you don’t get paid for two months, it just recalculates like a GPS. And it may still even tell you to go ahead and pay some extra principal debt that month. Whereas emotionally, people would hunker down and think, “I can’t do that because I just… I didn’t get paid for two months.” It’s never moving the money for the client. It’s just telling them what they can do with it. We do have an optional account connect service that will import all of the bank transactions to speed up their… their logging of activity if they… if they choose, but it’s not necessary.
Kyle Howell: And can you tell us about another client that you may have had? Just share another story.
Marti Barthauer: I’d love to. So, you know, when I share my story about getting out of debt, I realize that we were disciplined, right? But I also realize that a lot of people have just had a lot of hard times, right? They’ve had health challenges, they’ve had like COVID hurt their business kind of challenges, all sorts of things, right? And so this was a Facebook friend who reached out to me from a post, and she asked for help. Just the nature of life, it’s so busy, right? So I think I followed up with her 12 times because she shared some about her situation. I knew we could help her. I knew she hadn’t seen what we do, so she doesn’t know how much we can help her, and so I’m like, not wanting to be annoying, but like, I can help you. And so we finally got her on a demo. Their business was, they’re in the AC service industry. And so their business was hit really hard during COVID. They ended up not taking their own salary so they could keep their employees. And then they had two daughters get married, right? And and they didn’t want to skimp on that, right? And so they went… they went in a five-year period from being people who never kept a balance on their credit card to really being… feeling like they’re fully leveraged and stuck. And so when we finally got to run her numbers, she was just in tears because she felt like there was really no solution other than like sell… they have a second home. Like, they were thinking they were going to have to sell that. The… the program showed them how to be completely debt-free with the cash flow they currently had without even solving their whole situation, but just the cash flow they currently have. Because if you have a… a dollar over what you need, the system will put it to work. Show them how to be debt-free in 6.3 years and pay off that current mortgage and like five or six credit cards and personal loans that had very little room left on them.
Dustin Taylor: Where… where are they at now? Are they… It’s not been six years since CO, so I’m assuming they’re still…
Marti Barthauer: Yeah, that was… that was a recent client and so they’re just getting started, but…
Kyle Howell: Okay. So, I… I deal with a lot of clients that come to me that are looking for, you know, budget help. They feel like they’re overwhelmed. You know, they’re… they’re looking for a way out. They’re looking at their future and and seeing, you know, things might be a little dim. How do you… I guess how do you help people that are that may be overwhelmed that maybe you might be able to do better than I can?
Marti Barthauer: Yeah. So I think the clarity that the Money Max analysis provides gives people a snapshot, a picture of their finances that most people have never seen before. As you know, if you ask someone, “What’s your net worth?” that most of them don’t know, right? It’s a big sigh of relief even once they have that demo and peace of mind that like, “I didn’t know that there was an option like this that would help me this much,” and like you said, like people sometimes doubt it because they think it’s too good to be true. I had a client like that yesterday; they just thought, “I just don’t believe you can pay a 30-year loan off in nine years,” that was their forecast. And we said, “Well, it’s guaranteed, the program. You get your money back. If the program fails to… if you follow the steps and it fails to get you out of debt in that time, you get your money back from the company.” Yeah. So, the… the peace of mind and the clarity, it… it takes away some of that anxiety that people have that co… tends to cause them to bury their heads or look the other way or just keep digging that hole deeper.
Kyle Howell: Right. Right. Yeah, and our budgeting tool that that we use is, you know, more on the financial planning side of things and it really just kind of helps them keep track of of their budget, but not necessarily what to pay and when to pay. So, the fact that I’ve seen the Money Max account and how it works, it’s a very good, I guess, bridge between you and I and how we can help, you know, people together.
Marti Barthauer: Absolutely. It’s been a lot of fun to to offer both types of solutions to these.
Dustin Taylor: Yeah, for sure. All right. If you would like to learn more about the Money Max account, you can click the link below in the show notes or in the description of the video, and that will put you in direct contact with Marty. Marty, thanks for joining us.
Marti Barthauer: Yeah, thank you so much. I appreciate the opportunity.
Kyle Howell: If you need more financial resources, you can visit our website basewealthmanagement.com. There are more podcasts there, more videos and articles for you to get free advice. Don’t forget to subscribe to our podcast through all your favorite social media platforms. And if you have any questions, send them to questionbasewealthmanagement.com.
Dustin Taylor: I’m Dustin Taylor.
Kyle Howell: And I’m Kyle H. And happy listening.
