I interview Justin about the 8 comped cruises he took in 2025 and how people can try to replicate what he did for themselves. We also play a game of "Roast it or Toast it" with the new Bilt card rollout, and Justin tries to convince me to go on the Dave Ramsey Cruise in 2026. Will I take my first "baby steps" into Dave's open arms, or will I turn heel and run into a portal straight to hell?!