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I also remind you guys about Tax Network USA because plenty of people owe back taxes. Maybe that's you. Maybe you have years of unfiled returns or maybe you file every year and still can't get ahead because the balance keeps growing. Maybe you withdrew money for a 401k or an IRA and suddenly got hit with a tax bill that you never expected. Whatever caused the problem, one thing is certain, the IRS penalties and interest keep adding up every single month. If you don't have a plan now, you could end up owing even more next tax season. Before the IRS starts sending more letters, garnishing wages or freezing your bank account, to call Tax Network USA. They have been helping taxpayers nationwide for more than 15 years, resolving back taxes, unfiled returns, and serious IRS problems. Whether you owe $10,000 or $10 million, their team has resolved over $1 billion in tax debt. Right now, they're offering a free IRS investigative call to find out exactly what you owe and what options you have to fix it. So call 866-686-1651 or visit tnusa.com/Candace. Again, that's TNUSA.com/Candace.

I also want to remind you guys about American Financing because it is no secret that everything is starting to feel a lot more expensive. If those daily essentials are ending up on a credit card, those double-digit interest rates are quietly draining your bank account. If that debt is starting to feel heavy, you should know that you are not alone. And if you're a homeowner, you've maybe looked at your mortgage rate and thought, I can't touch that. But American Financing offers a smart equity loan so that you don't have to. It allows you to wipe out high interest debt and lower your monthly overhead while keeping your primary mortgage intact. It's a surgical strike against debt. Unlike a fluctuating HELOC, the smart equity loan is a fixed rate loan, giving you a predictable monthly payment. At American Financing, there are never any upfront fees to find out what you qualify for. So talk to a salary-based consultant today. These are experts who are paid to help you save, not sell.

Also want to tell you guys, my husband just got back from his Catholic pilgrimage in Spain and apparently the Paleo Valley beef sticks became the unofficial snack of the trip because he packed all of the ones that we had here, started handing them out to people along the way. And before long, everybody was asking for one. So it became a running joke because wherever he went, the beef sticks seemed to follow. Honestly, I'm not surprised. Now we have zero, so we need another shipment, but they are one of those snacks that don't make you choose between healthy and delicious. Paleo Valley uses 100% grass-fed and grass-finished beef sourced from American Family Farms. And let's be honest, the reason that we keep buying them is because of the flavor. The original is a classic, but the jalapeno has just the right amount of kick and the teriyaki has the perfect amount of sweetness. They're savory, satisfying, and actually taste like real food. I always keep a few in my bag, my car, and even my carry-on because someone in my family is always hungry. Clearly, my husband is doing the same. So if you are looking for a clean, convenient protein snack that tastes as good as it sounds, check out Paleo Valley Beef Sticks. Once you try them, you'll probably start keeping a stash in your bag too. Right now, you can get 20% off your first order at paleovalley.com and use code CANIS at checkout. Again, that's paleoballey.com, a promo code Candice at checkout.

All right, you guys, Nimi skincare makes the best tallow skincare products I have ever used. Their tallow comes from grass fed, grass finished cattle that's raised on a Montana farm. And in a world where so many companies hide where their ingredients are coming from, that actually matters. Everyone seems to be talking about tallow these days, but not all tallow is created equally. Nimi has focused on sourcing exceptional ingredients and creating products that people genuinely love to use. That's why I've been using Nimi's Sunshine Tallow Cream and their Buzzin Tallow Bomb. Their Sunshine Tallow Cream has become one of Nimi's most popular products. It's rich, it's nourishing, and it's made with tallow, aloe vera, avocado oil, and shea butter to deeply moisturize the skin while still feeling lightweight and comfortable. It leaves your skin looking soft, hydrated, and healthy without that greasy feeling. And when my skin needs a little extra support, I reach for that Buzzin Tallow Bomb because it's a richer formula that helps lock in moisture and leaves skin feeling deeply nourished and cared for. What I appreciate most is that these products are rooted in simplicity, high quality ingredients, American sourcing, American manufacturing, and skincare that simply works. So if you've been curious about Talo skincare, now is the perfect time to try. Visit nemeskincare.com to save an additional 10% off your order with promo code Candice10 at checkout. Again, that's nemeskincare.com with promo code Candice10 at checkout.

I also want to remind you guys about American financing because it is no secret that everything is starting to feel a lot more expensive. If those daily essentials are ending up on a credit card, those double-digit interest rates are quietly draining your bank account. If that debt is starting to feel heavy, you should know that you are not alone. If you're a homeowner, you've likely looked at your mortgage rate and thought, I can't touch that. But American Financing offers a smart equity loan so that you don't actually have to. It allows you to wipe out high interest debt and lower your monthly overhead while keeping your primary mortgage intact. It's a surgical strike against debt. Unlike a fluctuating HELOC, the smart equity loan is a fixed rate loan, giving you a predictable monthly payment. At American Financing, there are never any upfront fees to find out what you qualify for. So talk to a salary-based consultant today. These are experts that are paid to help you save, not to sell you more than you need. So call 800-795-1210. And that's 800-795-1210 or visit AmericanFinancing.net slash Owens. That's AmericanFinancing.net slash Owens.

Priceline negotiator. It's me, the Priceline negotiator. We don't need the jingle twice. Stop it. This is about vacation inflation and how Priceline negotiates amazing deals on hotels, flights and rental cars. Yeah, but I didn't mention that you can save up to 60% off hotels in the Priceline app.

Hey, it's Ryan Reynolds here from Mint Mobile. Well, now, I was looking for fun ways to tell you that Mint's offer of unlimited premium wireless for $15 a month is back. So I thought it would be fun if we made $15 bills. But it turns out that's very illegal. So there goes my big idea for the commercial. Give it a try at mintmobile.com slash switch. Upfront payment of $45 for three months, $90 for six months, or $180 for 12-month plan required. $15 per month equivalent. Taxes and fees extra. Initial plan term only. Greater than 50 gigabytes may slow when network is busy. See terms.

I also want to tell you guys, my husband just got back from his Catholic pilgrimage in Spain, and apparently the Paleo Valley beef sticks became the unofficial snack of the trip because he packed all of the ones that we had here, started handing them out to people along the way, and before long, everybody was asking for one, so it became a running joke because wherever he went, the beef sticks seemed to follow. Honestly, I'm not surprised. Now we have zero, so we need another shipment, but they are one of those snacks that don't make you choose between healthy and delicious. Paleo Valley uses 100% grass-fed and grass-finished beef sourced from American Family Farms. And let's be honest, the reason that we keep buying them is because of the flavor. The original is a classic, but the jalapeno has just the right amount of kick and the teriyaki has the perfect amount of sweetness. They're savory, satisfying, and actually taste like real food. I always keep a few in my bag, my car, and even my carry-on because someone in my family is always hungry. Clearly, my husband is doing the same. So if you are looking for a clean, convenient...

Days, but not all tallow is created equally. Nimi has focused on sourcing exceptional ingredients and creating products that people genuinely love to use. That's why I've been using Nimi's Sunshine Tallow Cream and their Buzzin Tallow Bomb. Their Sunshine Tallow Cream has become one of Nimi's most popular products. It's rich, it's nourishing, and it's made with tallow, aloe vera, avocado oil, and shea butter to deeply moisturize the skin while still feeling lightweight and comfortable. It leaves your skin looking soft, hydrated, and healthy without that greasy feeling. And when my skin needs a little extra support, I reach for that Buzzin Tallow Bomb because it's a richer formula that helps lock in moisture and leaves skin feeling deeply nourished and cared for. What I appreciate most is that these products are rooted in simplicity, high quality ingredients, American sourcing, American manufacturing, and skincare that simply works. So if you've been curious about Talo skincare and now is the perfect time to try, visit nemeskincare.com to save an additional 10% off your order with promo code Candice10 at checkout. Again, that's nemeskincare.com with promo code Candice10 at checkout.

Your order with promo code Candice10 at checkout. Again, that's NimiSkincare.com with promo code Candice10 at checkout. I also want to remind you guys about American Financing because it is no secret that everything is starting to feel a lot more expensive. If those daily essentials are ending up on a credit card, those double-digit interest rates are quietly draining your bank account. If that debt is starting to feel heavy, you should know that you are not alone. If you're a homeowner, you've likely looked at your mortgage rate and thought, I can't touch that. But American Financing offers a smart equity loan so that you don't actually have to. It allows you to wipe out high interest debt and lower your monthly overhead while keeping your primary mortgage intact. It's a surgical strike against debt. Unlike a fluctuating HELOC, the Smart Equity Loan is a fixed rate loan, giving you a predictable monthly payment. At American Financing, there are never any upfront fees to find out what you qualify for. So talk to a salary-based consultant today. These are experts that are paid to help you save, not to sell.

Did you know that mosquitoes have killed almost half of all people who have ever lived? Today, people are fighting back. With support from the Gates Foundation, American scientists and partners around the world have developed a new generation of bed nets that can kill up to 90% of mosquitoes exposed to them, helping cut malaria rates in half. The result? A safer, healthier future for everyone. The Gates Foundation, partners of human potential. Search gatesfoundation.org slash mosquito to learn more.

All right, you guys, do you feel like you're working harder than ever, but still falling behind every month? Between grocery prices, bills, and credit card debt growing, it can feel impossible to get ahead. Minimum payments aren't designed to get you out of debt. They're designed to keep you stuck. PDS Debt, however, can help. They can reduce up to half of what you owe on credit cards, personal loans, and medical bills, and it starts with a free 30-second assessment at pdsdebt.com/candace to stop juggling multiple payments and get one lower monthly payment instead. The savings start the day that you complete that 30-second assessment. And if you are carrying any balance on your credit cards, you should know that it's costing you money every single day. There's no minimum credit score that's required. PDS Debt is the top-rated company in the industry with thousands of five-star reviews and an A-plus rating on the BBB. So get your free 30-second personalized assessment today at pdsdebt.com/candace. Again, that's pdsdebt.com/candace. I also want to remind you guys about Dose because did you know that more than half of

Slash Candice. I also remind you guys about Dose because did you know that more than half of the average American diet is made up of ultra-processed foods? Every day we're eating foods that didn't even exist a generation ago, and we expect our bodies to keep up with all of it. Your liver is your body's daily filter, performing more than 500 functions every single day. And when it gets overworked, you feel it. You might wake up tired even after a full night's sleep, feel bloated after meals, or notice that you're just more sluggish, foggy, you're just not quite yourself. A lot of people chalk that up to getting older, but feeling that way shouldn't just be something that you accept. That's why I take Dose for your liver. Dose is a highly absorbable liquid supplement taken in a daily two-ounce shot that tastes like fresh orange juice. It's a plant-forward formula that's clinically backed to promote your liver function and cleanse the liver of unwanted stressors that may be slowing it down. People who take Dose consistently report less sluggishness, fewer midday crashes, better digestion, and even less bloating. New customers can save 35% on their first month's subscription by going to dosedaily.co slash Candice or by entering code Candice at checkout. That's dosedaily.co slash Candice for 35% off your first month's subscription.

All right, you guys, we'll be right back after a brief break. All right, you guys, let's be honest. On a typical smartphone, your privacy is already pretty limited. That's why I want to tell you guys about Ghost Phone from Zero Ghost. It's a smartphone that's been wiped clean of all the surveillance software that's currently running on your phone as we speak. Your regular phone broadcasts your location, it logs your searches, and it stores your passwords and systems that get breached constantly. The Ghost Phone keeps your data off the grid, so there's nothing to steal in the first place because apparently just trust us with all of your data is the official narrative, and you already know how I feel about official narratives. Your ghost phone arrives professionally configured so it's incredibly simple to use. Even someone with sudden onset amnesia could figure it out. You can call, text, take pictures and use the apps that you need all without handing every company, advertiser, and three-letter agency a mountain of evidence about your daily life. So whether you're researching tiny horses, sudden memory loss, or a suspiciously large pair of French hands, it may be time to stop carrying a surveillance device in your pocket. Visit zeroghost.com/Candice and use code Candice at checkout for $50 off your ghost phone. Again, that's zeroghost.com/Candice. Installment plans are available at checkout.

I also remind you guys about American Financing because it is no secret that everything is starting to feel a lot more expensive. If those daily essentials are ending up on a credit card, the double-digit interest rates are quietly draining your bank account. If that debt is starting to feel heavy, you should know that you are not alone. And if you're a homeowner, you've likely looked at your mortgage rate and thought, I can't touch that. But American Financing offers a smart equity loan so that you don't have to. It allows you to wipe out high interest debt and lower your monthly overhead while keeping your primary mortgage intact. It's a surgical strike against debt. Unlike a fluctuating HELOC, the smart equity loan is a fixed rate loan giving you a predictable monthly payment. At American Financing, there are never any upfront fees to find out if you qualify and what you qualify for. So talk to a salary-based consultant today. These are experts who are paid to help you save, not sell you more than you need. So call 800-795-1210. Again, that's 800-795-1210 or visit AmericanFinancing.net slash Owens. Again, that's AmericanFinancing.net slash Owens.

So I get how it can steal your time, but why let eczema take over when you can talk to your doctor about eczema? Ebglis Lubrikizumab LBKZ, a 250 milligram per 2 milliliter injection, is a prescription medicine used to treat adults and children 12 years of age and older who weigh at least 88 pounds or 40 kilograms with moderate to severe eczema, also called atopic dermatitis that is not well controlled with prescription therapies used on the skin or topicals or who cannot use topical therapies. EBCLIS can be used with or without topical corticosteroids. Don't use if you are allergic to EBCLIS. Allergic reactions can occur that can be severe. Eye problems can occur. Tell your doctor if you have new or worsening eye problems. You should not receive a live vaccine when treated with EBCLIS. Before starting EBCLIS, tell your doctor if you have a parasitic infection. Paid partnership with Lilly. Respect your time. Ask your doctor about EBCLIS and visit EBCLIS.com or call 1-800-LILLY-RX or 1-800-545-5979.

All right, you guys, our great nation turned 250 this year. We represent two and a half centuries of possibility growth and some of the greatest minds in human history. What will the next 250 years look like? Next generation of Americans could be the most impactful, but first they must be given their chance at life. That's why I'm making this critical request today. Give a special gift of $250 to pre-born to honor our country's milestone anniversary and to celebrate our great future ahead. Your gift will help provide eight ultrasounds. Pre-born is helping today's mothers choose life by providing these free ultrasounds that they can meet their baby for the first time. Help new mothers realize that they can give their baby life and that motherhood is possible. Celebrate America's birthday with your $250 gift to pre-born today. Donate, simply dial pound 250 and say the keyboard baby. Again, that's pound 250 baby or visit pre-born.com slash Candice.

I also remind you guys about PureTalk because you do not have to overpay for your wireless network, not when PureTalk comes in with the same service for a tiny fraction of the cost. And now for the first time ever, PureTalk is offering any plan at just $15 a month for your first three months. There's never been a better time to take PureTalk for a test drive. It's fast, it's reliable, and you're going to love it. You can now get any PureTalk plan, including their unlimited data plans and even their top tier $65 plans for just $15 a month for your first three months. That's a savings of up to $150. I recommend making the switch today because the offer is extremely short-lived. Switch to Pure Talk and enjoy your first three months of talk, text, and data for just 15 bucks a month. Head to puretalk.com slash Owens to make the switch to Pure Talk. Again, that's puretalk.com slash Owens to start saving today.

And I have to tell you guys about ethos because I recently found myself reflecting on how quickly life can change. Other than starting a family, buying a home, changing careers, or simply thinking more about the future, new chapters often come with new responsibilities. And one thing that's become increasingly important for me is to plan ahead for the people and the things that matter most. That's why life insurance has been a priority. It's a simple way to help protect the people that you care about and provide financial security if the unexpected ever happens. Getting covered today is simpler, faster, and more affordable than many people realize. That's why I love Ethos, because with Ethos, you can apply online in just minutes. There's no medical exams, no waiting rooms, just answer a few health questions, and you could be covered the very same day. And what really stands out to me is that Ethos helps match you with coverage that actually fits your life, your goals, and your budget with up to $3 million in coverage and plans starting around $30 a month. Protecting your family can feel a whole lot more doable. Peace of mind should not be complicated, so take 10 minutes to get covered today with life insurance through Ethos. Get your free quote at ethos.com slash Candace. That is E-T-H-O-S dot com slash Candace. Application times may vary and rates may vary as well.

All right, you guys, do you owe back taxes? Do you have years of unfiled returns? Or maybe you file every year and you still can't get ahead because the balance keeps growing. Maybe you withdrew money from a 401k or an IRA and suddenly you got hit with a tax bill that you did not expect. Whatever caused the problem, one thing is certain, the IRS penalties and interests keep adding up every single month. If you don't have a plan now, you could end up owing even more next tax season. Before the IRS starts sending more letters, garnishing wages, or freezing your bank account, call Tax Network USA. They've been helping taxpayers nationwide for more than 15 years, resolving back taxes, unfiled returns, and serious IRS problems. So whether you owe $10,000 or $10 million, their team has resolved over $1 billion in tax debt. Right now, they're offering a free IRS investigative call to find out exactly what you owe and what options you have to fix it. Call 866-686-1651 or visit tnusa.com slash Candace. Again, that's tnusa.com slash Candace.

I also remind you guys about American Financing because high prices are here to stay. And if you are a homeowner, you probably thought, should I call American Financing to refinance and pay off this credit card debt? Then you may be second-guess yourself because of that low mortgage rate that you're currently enjoying. That low rate is not saving if you are drowning in credit card interest at 25% or more. That's the math that no one wants to face, but it's costing you thousands. And here's the truth. If you're only making minimum payments, that debt is going to follow you for years. That's why people are calling American Financing because they are saving customers an average of $800 a month by using their equity to finally break free from credit card debt. You owe it to your family to see what's possible. There are no upfront fees, no pressure. It costs you nothing to find out what you could be saving every month. And if you start today, you may be able to delay two mortgage payments. So call American Financing at 800-795-1210. Again, that's 800-795-1210 or visit AmericanFinancing.net slash Owens. That's AmericanFinancing.net slash Owens.

Hey, it's Kelly Rowland. You may not know this, but I have eczema. So I get how it can steal your time. But why let eczema take over when you can talk to your doctor about ebglis? Ebglis, Lubrikizumab LBKZ, a 250 milligram per two milliliter injection is a prescription medicine used to treat adults and children 12 years of age and older who weigh at least 88 pounds or 40 kilograms with moderate to severe eczema, also called atopic dermatitis, that is not well controlled with prescription therapies used on the skin or topicals or who cannot use topical therapies. EbGliss can be used with or without topical corticosteroids. Don't use if you are allergic to EbGliss. Allergic reactions can occur that can be severe. Eye problems can occur. Tell your doctor if you have new or worsening eye problems. You should not receive a live vaccine when treated with EbGliss. Before starting EbGliss, tell your doctor if you have a parasitic infection. Paid partnership with Lilly. Respect your time. Ask your doctor about EPCLIS and visit EPCLIS.com or call 1-800-LILLY-RX or 1-800-545-5979.

All right, you guys, a little while ago, I shared my exciting news that our family is growing. We are expecting another baby. As exciting as this season is, it's also a reminder that every new chapter brings new responsibilities. The more people that depend on you, the more important it becomes to plan for their future. That's one of the reasons life insurance has been a priority for me. It's a simple but meaningful way to help protect the people that you love and provide financial security if the unexpected ever happens. Of course, no one likes to think about what ifs, but having a plan in place can bring peace of mind, knowing that your family will be taken care of no matter what. Life insurance is one of those things that's easy to put off, but having the right coverage can help provide financial protection and peace of mind for the people that you love the most. Getting covered today is simpler, faster, and more affordable than many people actually realize. That's why I love Ethos, because with Ethos, you can apply online in just minutes. No medical exams, no waiting rooms, just answer a few health questions and you could be covered the very same day. And what really stands out to me is that Ethos helps match you with coverage that actually fits your life, your goals, and your budget. It's up to $3 million in coverage and plan starting around $30 a month. Touching your family can feel a whole lot more doable. Peace of mind should not be complicated. So take 10 minutes to get covered today with life insurance through Ethos. Get your free quote at ethos.com slash Candice. Again, that's ethos.com slash Candice. Application times may vary and rates may vary as well.

And as usual, I remind you guys about American financing because it is no secret that everything is starting to feel a lot more expensive these days. If those daily essentials are ending up on a credit card, those double digit interest rates are quietly draining your bank account. And if that debt is starting to feel heavy, then you should know that you're not alone. If you're a homeowner, you may have looked at your mortgage rate and thought, I can't touch that. But American financing offers a smart equity loan so that you don't actually have to. It allows you to wipe out high interest debt and lower your monthly overhead while keeping your primary mortgage intact. It's a surgical strike against debt. Unlike a fluctuating helock, the smart equity loan is a fixed rate loan, giving you a predictable monthly payment. At American financing, there are never any upfront fees to find out what you qualify for. Talk to a salary-based consultant today. These are experts who are paid to help you save, not sell you more than you need.

Also want to tell you guys about Pure Talk because you do not have to overpay for your wireless network. Not when Pure Talk comes in with the same service for a tiny fraction of the cost. And now for the first time ever, Pure Talk is offering any plan at just $15 a month for your first three months. There's never been a better time to take Pure Talk for a test drive. It's fast, it's reliable. You are going to love it. Any Pure Talk plan, including their unlimited data plans and even their top tier $65 plan for just $15 a month for your first three months. That's a savings of up to $150, but I'd switch today because this offer is extremely short-lived. Switch to PureTalk and enjoy your first three months of talk, text, and data for just 15 bucks a month. Head to puretalk.com slash Owens to make the switch to PureTalk. Again, that's puretalk.com slash Owens to start saving today.

And I wanna tell you guys about Field of Greens because way before the food industry failed us and started making low quality foods and hiding behind nutrition labels, one thing was always true, organic fruits and vegetables are the superfoods that your body needs. Fast food tastes great for like 20 seconds, but the junk and inflammation that follows is trashing your system. It keeps you tired and weak. That's why you need to check out fieldofgreens.com. Field of Greens is 100% organic fruits and vegetables that are dehydrated and ground into a fine powder. Every ingredient was selected to support critical functions throughout your body. This is the easiest health upgrade that you can make. One scoop a day and you'll feel the difference. Field of Greens promises your doctor will notice your improved health or you'll get your money back. Get 20% off by using promo code Candice at checkout when you visit fieldofgreens.com today. That's fieldofgreens.com with promo code Candice at checkout.

All right, you guys, one snack that you will always find in my bag is Paleo Valley Beef Sticks. Whether I'm running between meetings, traveling, heading to the kids' activities, or just needing something quick between meals, these are my go-to. What I love is that they don't make you choose between healthy and delicious. Paleo Valley uses 100% grass-fed and grass-finished beef sourced from American Family Farms. But let's be honest, the reason I keep buying them is because of the flavor. The original is classic. The jalapeno has just the right amount of kick. It's my favorite. And the teriyaki is the right amount of sweet. They're savory, satisfying, and actually taste like real food. I always keep a few in my bag, my car, and even my carry-on because someone in my family is always hungry. They're one of those snacks that everyone reaches for. So if you're looking for a clean, convenient protein snack that tastes as good as it sounds, check out Paleo Valley Beef Sticks. Once you try them, you will probably start keeping a stash in your bag as well. Right now, get 20% off your first order at paleovalley.com and you can use code Candice at checkout. That's paleovalley.com, promo code Candice at checkout.

I'm also gonna remind you guys about American financing because it is no secret that everything is starting to feel a lot more expensive. If those daily essentials are ending up on a credit card, those double digit interest rates are quietly draining your bank account. If that debt is starting to feel heavy, you should know that you are not alone. And if you're a homeowner, you've likely looked at your mortgage and thought, I can't touch my mortgage rate. Well, American financing offers a smart equity loan so that you don't have to. It allows you to wipe out high interest debt and lower your monthly overhead while keeping your primary mortgage intact. It's a surgical strike against debt. Unlike a fluctuating HELOC, the smart equity loan is a fixed rate loan, giving you a predictable monthly payment. At American Financing, there are never any upfront fees to find out what you qualify for. So talk to a salary-based consultant today. These are the experts who are paid to help you save, not to sell you more than you need. There are no upfront fees to find out if you qualify. So call 800-795-1210. Again, that's 800-795-1210 or visit AmericanFinancing.net slash Owens. Again, that's AmericanFinancing.net slash Owens.

All right, you guys, I recently announced that my family is growing. I feel like it's always growing. And we are, of course, expecting another baby boy. It is an exciting season, but it is also a reminder that every new chapter comes with new responsibilities. When more people are counting on you, protecting their future starts to matter in a whole different kind of way. And that's why life insurance has been one of those things that I have made a priority. It's an important step. toward helping make sure that people you love have financial support if the unexpected ever happens. Life insurance is one of those things that's easy to put off, but having the right coverage can help provide financial protection and peace of mind for people that you love the most. Getting covered today is actually simpler, faster, and more affordable than many people actually realize. And that's why I love Ethos because with Ethos, you can apply online in just minutes. There's no medical exams, no waiting rooms, just answer a few health questions and you could be covered the very same day. What really stands out to me is that Ethos helps match with coverage that actually fits your life, your goals, your budget. With up to $3 million in coverage and plans starting around $30 a month, protecting your family can feel much more doable. Peace of mind should not be complicated. So take 10 minutes to get covered today with life insurance through Ethos. Get your free quote at ethos.com slash Candice. That is E-T-H-O-S dot com slash Candice. Application times may vary and rates may vary as well.

I also remind you guys about American financing because it is no secret that everything is starting to feel a lot more expensive. If those daily essentials are ending up on a credit card, those double digit interest rates are quietly draining your bank account. If that debt is starting to feel heavy, you should know that you're not alone. If you're a homeowner, you likely looked at your mortgage rate and thought, I can't touch that. But with American financing's smart equity loan, you should know that you don't have to because it allows you to wipe out high interest debt and lower your monthly overhead while keeping your primary mortgage intact. It's a surgical strike against debt. Unlike a fluctuating HELOC, the smart equity loan is a fixed rate loan, giving you a predictable monthly payment. At American Financing, there are never any upfront fees to find out what you qualify for. So you can talk to a salary-based consultant today, experts who are paid to help you save, not to sell you more than you need. There are no upfront fees to find out if you qualify. So call 800-795-1210. Again, that's 800-795-1210 or visit AmericanFinancing.net slash Owens. Again, that is AmericanFinancing.net slash Owens.