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Hey, I want to talk to you for a second about love and not love like in Titanic or something. I mean, responsible love, the kind of love that moves you to take care of the people closest to you. And one of the most important ways to show that kind of love is by having term life insurance. If you have anyone depending on you, a spouse, kids, anyone, you need term life insurance term life insurance gives your family real protection if the unthinkable happens so they can spend their time grieving and not worrying about how the bills are going to get paid zander is a broker who works for you shopping the top companies to find the right coverage options for your needs and your budget in many cases there are options available with no medical exam and instant approval My wife and I had term life insurance through Xander for years, long before I worked at Ramsey, because we trust them. Getting term life insurance is a way of saying I love you when you can no longer say it yourself. Go to Xander.com or call 1-800-356-4282 to find the coverage that fits your family.

Buy the home you can afford now and refinance later if rates improve. Churchill helps you understand what you can actually afford, not just what you qualify for. And with their certified homebuyer program, you can get fully underwritten before you shop so you can make moves faster and make stronger offers. And right now, Churchill has a special offer only for the Ramsey audience. Go to churchillmortgage.com slash Ramsey offer to learn more. That's a special website. Remember this, churchillmortgage.com slash Ramsey offer. This is a paid advertisement. The Churchill Certified Homebuyer Program is available for qualifying borrowers and select loan types only. NMLS ID 1591, NMLSconsumerexcess.org, Equal Housing Lender, 1749 Mallory Lane, Suite 100, Brentwood, Tennessee, 37027.

Health insurance is confusing on purpose. You call one company, get transferred three times, sit on hold for 45 minutes, and end up more confused than when you started. That's why I recommend Health Trust Financial. They're health insurance advisors who actually get to know your situation and help you find the right coverage for your life and your budget. Health care needs change as your life changes. Maybe it's a job change, the birth of a child, a new diagnosis, or you're just trying to have more margin at the end of the month. No matter your situation, Health Trust Financial shops multiple top-rated insurance carriers and helps you understand what you're actually buying. I've trusted Health Trust Financial for over 20 years because they help Ramsey fans make smart health care decisions. Go to HealthTrustFinancial.com today and talk to a real person without pressure or confusion. That's HealthTrustFinancial.com.

Hey, what's up guys, it's Jade Warshaw. Now I know a little something about saving money. While my husband and I were paying off over $460,000 in debt, we went over every expense in our budget to find ways to cut back. Nothing got a free pass, including our phones. And you need to be doing the same thing. And now with Boost Mobile, one of the easiest places for you to save money is your phone bill. Their unlimited plan is just $25 a month, Forever! With a price that nice, why would you ever go back to your old carrier? And with Boost Mobile, there's no contracts, no hidden fees, and no surprises, which makes this a no-brainer when it comes to saving money. The best part? You can keep your phone and your number when you switch. So it's not like you're making some huge lifestyle change. Listen, You need a phone, but you don't need to be overpaying every month. So whether you're paying off debt or building wealth or you just want to keep more of your money in your pocket, this is a win. Go to BoostMobile.com slash Ramsey and make the switch today. That's BoostMobile.com slash Ramsey. $25 forever requires customers to remain active on Boost Mobile Unlimited Plan.

Welcome back to The Ramsey Show and the Fairwinds Credit Union Studio. I'm George Camel. I'm your host today, riding solo. Give me a call at 888-825-5225, and I'll do my best to give you the right next step for your life and your money.

Business owners know it costs money to make the phone ring. Maybe it's advertising, maybe it's referrals, maybe it's years of earning trust. But when that call goes unanswered, all that work can disappear in a hurry. And that's why today's episode is brought to you by Quo, spelled Q-U-O, the business phone system built so you never miss a call. With Quo, you and your team share one business number so you can reply faster and stay on top of every customer conversation. Quo works from your phone or computer, logs calls, summarizes conversations, and gives you next steps. Nothing gets missed and every customer gets a response. And here's what I really like. Quo's built-in AI agent can answer questions, handle after-hours calls, and even help book appointments. So you're not losing leads just because your team is offline. You didn't start a business to spend your days playing phone tag and digging through texts. Quo helps make sure you don't ghost the customers you've worked so hard to attract. Money is on the line, so always say hello with Quo. Try Quo for free, plus get 20% off your first six months when you go to Quo.com slash Ramsey. That's Quo.com slash Ramsey.

A lot of banks are happy to hold your money, but Fairwinds Credit Union helps you make progress. Most people spend years focusing on their financial goals and never stop to ask whether their bank is helping them get there or just holding onto their money. The real goal is building an emergency fund, paying cash for your next car, saving for a home, looking at your finances and actually feeling some peace. That's why I love Fairwinds. Their smart bundle gives you up to 10 free high yield savings accounts to help you stay organized as you save for different goals. Plus early direct deposit and no monthly fees. And you get support from real people who want to help you win with money. You can even get the Ramsey debt is normal, be weird debit card, which is linked to your free fair when spend smart checking account to tell the world you think differently about money. So look, if you're working the baby steps, your bank should be helping you move toward financial freedom, not just park your cash. Go to fairwinds.org slash Ramsey to open your smart bundle and start making progress today. That's fairwinds.org slash Ramsey, insured by the NCUA.

If you've worked hard to keep your car running, the last thing you want is stress when you're running the kids all over to summer activities or loading up the family for a well-earned vacation. That's why I trust Christian Brothers Automotive. Listen, most people don't worry about their car just because it's older. They worry because they don't feel confident about what's happening under the hood or who's working on it. And that kind of uncertainty can turn a simple trip into a stressful one real fast. But Christian Brothers is different. They use digital vehicle inspections so you can see what your technician sees, know what needs attention now and what can wait, and make decisions without the pressure. That's how you protect your time, your money, and your travel plans. And Christian Brothers stands behind their work with the nice difference warranty, three years or 36,000 miles, whichever benefits you more. So before your next trip, take care of the car that's taking care of you. Go to CBAC.com slash Ramsey to schedule your service and get 10% off your visit. That's CBAC.com slash Ramsey, 10% off up to a $250 value. See stores for details.

The Ramsey Show Question of the Day is brought to you by YRefi. Missed private student loan payments can keep your budget stuck in neutral, but YRefi helps borrowers explore low fixed rate refinancing and payments based on what you can afford so you can start moving forward again. Visit YRefi.com slash Ramsey. That's the letter Y-R-E-F-Y dot com slash Ramsey. May not be available in all states.

Hey guys, George Camel here. You ever feel like you make good money and still have nothing to show for it? You run into Target for one thing and somehow walk out $87 later with toothpaste and emotional support candles? Just me? Okay. Well, that's the problem. Most people don't pay attention to how they spend their money, so it does whatever it wants. And that's why we created EveryDollar. It's a budgeting app that helps you create a simple plan for your money. EveryDollar's simple, it's clear, and it helps track where your money's actually going. Plus, you get daily lessons, to-dos, and reminders along the way. It's like having a money coach in your pocket. Your money's been freelancing long enough. It's time to give every dollar a full-time job. Go download every dollar for free on the App Store or Google Play.

Hey guys, healthcare is one of the biggest stress points in your budget. It's confusing, and most of the time it feels completely out of your control, but there is a better way to handle it. Christian Healthcare Ministries isn't health insurance. It's a health cost-sharing ministry where Christians share each other's medical bills. And it's not a new idea. CHM has been around since 1981. It's predictable and proven, and they've shared over $13 billion in medical bills for their members. Plus, you get more flexibility. There are no network restrictions, and you don't have to wait for open enrollment. Now, let's talk about how CHM helps your budget, because programs start at just $115 a month, and many families save hundreds of dollars a month compared to traditional options. So if you are tired of feeling stuck, check out Christian Healthcare Ministries. Right now, CHM is offering new members a 50% credit towards their first month of membership. Go to chministries.org slash budget and use promo code RAMSEY. That's chministries.org slash budget and use promo code RAMSEY.

Buying or selling your home is high stakes because one bad deal could cost you tens of thousands. You don't want to overpay for your next house or sell your current home for less than it's worth. And that's why Ramsey Trusted connects you with vetted real estate agents who have the experience to guide you step by step to make smart decisions not expensive mistakes. Connecting is easy. You can compare agent profiles, interview your top choices, and pick the right one for you. Find a local Ramsey-trusted agent who has your best interest at heart for free at ramseysolutions.com slash agent, or click the link in the description if you're on YouTube or podcast.

I'm all about practical ways to save time and mental energy, especially during the summer when life gets busy. Between vacations, camps, deliveries, travel plans, online shopping, and trying to keep everyone organized, my mental load can get pretty full. That's one of the reasons why I love Delete Me. Most people don't realize how many data broker sites have their information online, like old addresses, phone numbers, and even family connections. And that can put you at risk of being a target for spammers and scammers. but removing all of it yourself can turn into a giant project. That's why Delete.me is amazing because Delete.me handles it for you. Their privacy team of experts removes your personal information from hundreds of data broker sites and they keep monitoring it throughout the year. So far, Delete.me has saved me about 90 hours I would have spent myself removing my information. And honestly, it feels so good knowing that someone is in the background helping me and I don't even have to think about it. So this summer, give yourself a vacation with one less thing to manage. Get 20% off annual plans at joinseliteme.com slash Ramsey. That's joinseliteme.com slash Ramsey.

Hey guys, George Camel here. Listen, if you've had your phone two or three years, your phone can now be unlocked. That means you can switch to Boost Mobile to get unlocked, bring your own device, and keep more of your money where it belongs. Look, the fat cats of Big Wireless, they are counting on you, just staying put and overpaying every single month. They want you to think switching is complicated, risky, or just not worth it. Meanwhile, your bill keeps climbing like it's training for a triathlon. But Boost Mobile makes switching simple and way less spendy. You bring your phone, keep your number, and get unlimited wireless for just $25 a month. Yeah, $25 a month, not for six months, not for a promotional period, forever. And there's no contract, no hidden fees, and no, we changed your plan because we felt like it email. So if you're tired of overpaying for something you already own, this is your moment to save money. Go to BoostMobile.com slash Ramsey and get unlocked today. That's BoostMobile.com slash Ramsey. $25 forever requires customers to remain active on Boost Mobile Unlimited Plan.

Welcome back to The Ramsey Show and the Fairwinds Credit Union Studio.

If you run a business, you already know this. Bad information leads to bad decisions. And right now, AI is everywhere. But AI is only as good as the data behind it. The best AI is built on the best data. That's why I recommend NetSuite. NetSuite is the number one AI cloud ERP and more than 43,000 businesses run on it, including us here at Ramsey Solutions. Their AI isn't bolted on, it's built in. And it connects everything that runs your business. Accounting, inventory, customer data, all in one place. Because when your numbers are connected, AI actually works like it's supposed to. NetSuite's AI helps flag cash flow problems, spot inventory issues, close your books faster, and cut down on manual reporting. If your revenue is at least seven figures, go to netsuite.com slash Ramsey for a free product tour. That's netsuite.com slash Ramsey.

Hey guys, George Camel here. A few years ago, someone stole my identity. And let me tell you, that is not a quick fix. It takes hours on the phone, piles of paperwork, and a whole lot of stress trying to untangle the mess. And even after that, there's this nagging paranoia because your information is already out there. And the truth is, you can do all the right things and still become a victim. That's how common identity theft is. And that's why I'm glad I had Xander's identity theft protection. When my identity was stolen, their team stepped in right away. They were monitoring my information and caught the issue, and their US-based recovery specialists help handle the calls, the paperwork, the cleanup, so I didn't have to do it all on my own. Xander also includes up to $2 million in stolen funds and expense reimbursement. And with the family plan, your kids are covered for free. You work too hard to let identity theft steal your time, your money, and your peace of mind. So go to Xander.com to enroll today or call 800-356-4282.

One of our favorite things is when people share their stories of how they're winning with money, and we got this awesome review for our Every Dollar budgeting app. Just being able to use Every Dollar and see all the extra we had every single month was super motivating. We'd have thousands of dollars extra and just throw it on the mortgage. That is incredible. That's amazing. And you can do this too. I mean, the numbers may look different, but the peace and control you feel will be the same. You can take control of your money. You can live like no one else. Start every dollar for free today in the App Store or Google Play.

You should not feel uncertain about investing, and you don't have to. That's why we created Investing Essentials, a two-night virtual event where George Camel and I walk you through my playbook for investing and wealth planning. We'll simplify everything from 401ks and mutual funds to passing on wealth so you can invest with confidence. Tickets start at $199. Get yours today. at RamseySolutions.com slash events, or click the link in the show notes.

Our question of the day is sponsored by Y-Refi. If missed private student loan payments are keeping you from making progress toward your goals, Y-Refi may be able to help you explore refinancing with a low fixed rate and a payment you can manage. Visit YRefi.com slash Ramsey. That's the letter Y, R-E-F-Y.com slash Ramsey. May not be available in all states.

Hey guys, George Camel here. You ever feel like you make good money and still have nothing to show for it? You run into Target for one thing and somehow walk out $87 later with toothpaste and emotional support candles? Just me? Okay. Well, that's the problem. Most people don't pay attention to how they spend their money, so it does whatever it wants. And that's why we created EveryDollar. It's a budgeting app that helps you create a simple plan for your money. EveryDollar's simple, it's clear, and it helps track where your money's actually going. Plus, you get daily lessons, to-dos, and reminders along the way. It's like having a money coach in your pocket. Your money's been freelancing long enough. It's time to give every dollar a full-time job. Go download every dollar for free on the App Store or Google Play.

The right insurance acts as a shield around your loved ones and your wallet if disaster strikes. And we've got a free insurance coverage checkup that helps you figure out if you have the right coverage by giving you a personalized action plan with clear next steps. So head to RamseySolutions.com slash checkup to take the coverage checkup and find out if you have the protection you need.

If you're waiting for the perfect interest rate before you buy a home or refinance, that moment may never come. That's why people should talk to Churchill Mortgage, because rates move every day. And when rates drop, buyers flood the market, which means more competition and higher home prices. Smart buyers know they can't time the market. They move with a strategy. Buy the home you can afford now and refinance later if rates improve. Churchill helps you understand what you can actually afford, not just what you qualify for. And with their certified homebuyer program, you can get fully underwritten before you shop so you can make moves faster and make stronger offers. And right now, Churchill has a special offer only for the Ramsey audience. Go to churchillmortgage.com slash Ramsey offer to learn more. That's a special website. Remember this, churchillmortgage.com slash Ramsey offer. This is a paid advertisement. The Churchill Certified Homebuyer Program is available for qualifying borrowers and select loan types only. NMLS ID 1591, NMLSconsumerexcess.org, Equal Housing Lender, 1749 Mallory Lane, Suite 100, Brentwood, Tennessee, 37027.

Well, if you want to work the Ramsey plan and you want to follow the baby steps and you want to move out of debt and into wealth, the easiest, fastest way to do it is by putting together a plan on every dollar. The every dollar app will make you accountable for every dollar every month. And you'll place those dollars with personal coaching, customized plans, exactly where they need to be placed on the baby steps to get you out of debt the fastest. and into wealth the fastest. Download it for free on the App Store or Google Play, every dollar.

Okay guys, let me ask you something. What would it take for you to switch your bank? Because if you're still earning next to nothing on your savings, you need to check out Fairwinds Credit Union. And I know what you're thinking, it might sound like a hassle. Moving your direct deposit, updating bills, getting a new debit card, feels like a lot. But here's what most people don't realize. Staying where you are could be costing you hundreds of dollars every year. Y'all, the average savings account pays less than half a percent. So let's say, for example, you've got $20,000 saved. You might earn around $70 a year, but with a fair wins, high yield savings account earning 3% APY or more, that same money could earn you over $600. And that's real money that you can use towards the baby steps. So don't let temporary comfort keep you stuck. Check out the Smart Bundle from Fairwinds Credit Union. You get a high-yield savings account, a no-fee checking account, and the Ramsey Be Weird debit card. Go to fairwinds.org slash Ramsey to learn more and make the switch today. That's fairwinds.org slash Ramsey, insured by the NCUA.

Let me tell you what I get asked all the time. When should I get term life insurance? How much do I need? Is it affordable? Those are the right questions to be asking. So let's take a quick review. The fact is, term life isn't a baby step. So if anyone is dependent on your income, you need to have 10 to 12 times your income in life insurance now. And most people are surprised by how affordable term life really is, even if you're not in perfect health. Look, I understand the hesitation since most insurance companies make it more of a hassle than it needs to be. Not at Xander Insurance. They're not an insurance company. They're a broker that works for you. That means they'll shop and compare the top term life companies to find the most competitive options on the coverage for your family. For almost 30 years, I've recommended Xander for straight answers, competitive rates, and coverage that actually protects your family. Call 800-356-4282 or go to Xander.com for a quick and easy quote. That's Xander.com.

Here's what nobody warns you about you're behind on payments you signed up with some debt settlement company you're making your monthly payments to them and then one morning a process server knocks on your door surprise you just got sued by a creditor and that company you trusted not a law firm they're not built to represent you if things escalate And now you're scrambling to figure out what to do next. And that's why I tell people about Guardian Litigation Group. Guardian Litigation is not a call center. They're actual attorneys at a law firm. And from day one, you're assigned a real attorney who can represent you if a creditor takes you to court. No scrambling when things go sideways, just real legal protection built in from the start. And look, the best way out of debt is still the budget, the plan, the baby steps. But if you're already in default and legal threats are coming your way, Guardian has your back. Their attorneys have helped over 55,000 people settle more than $600 million in debt. So get real legal help at guardianlit.com slash Ramsey. That's guardianlit.com slash Ramsey. Attorney advertising. Results may vary and no specific outcome is guaranteed.

Hey guys, healthcare is one of the biggest stress points in your budget. It's confusing, and most of the time, it feels completely out of your control. But there is a better way to handle it. Christian Healthcare Ministries isn't health insurance. It's a health cost-sharing ministry where Christians share each other's medical bills. And it's not a new idea. THM has been around since 1981. It's predictable and proven, and they've shared over $13 billion in medical bills for their members. Plus, you get more flexibility. There are no network restrictions, and you don't have to wait for open enrollment. Now, let's talk about how CHM helps your budget, because programs start at just $115 a month, and many families save hundreds of dollars a month compared to traditional options. So if you are tired of feeling stuck, check out Christian Healthcare Ministries. Right now, CHM is offering new members a 50% credit towards their first month of membership. Go to chministries.org slash budget and use promo code Ramsey. That's chministries.org slash budget and use promo code Ramsey.

You're going to win a game. You have to play offense and defense. In the money game, offense is investing and defense is insurance. The right insurance acts as a shield around your loved ones and your wallet. Our free insurance coverage checkup helps you figure out if you've got the right coverage or if you're getting ripped off with a bunch of the garbage that's out there. It'll help you put a personalized action plan in place with clear steps. RamseySolutions.com slash checkup and take the free coverage checkup. RamseySolutions.com slash checkup.

When I started, I had great ideas and I knew how to serve people, but I didn't have systems in place yet. At that time, I sold books out of the trunk of my car. It was a lot harder to start a business back then. Shopify makes it easier. Shopify is the business platform powering millions of businesses and about 10% of all e-commerce in the United States. If you've got a product or even just an idea, Shopify makes it simple to get moving. You can build a storefront, write product descriptions, and even improve your product photos all in one place. You don't need 10 different systems duct taped together. Shopify handles everything you need to make sales from payments to marketing and analytics. Plus that purple shop pay button is one of the best converting checkouts on the planet for fewer abandoned carts. And if you get stuck, Shopify offers 24 seven support. So if you've been sitting on the sidelines and It's time to turn those ideas into... Sign up for your $1 per month trial at Shopify.com slash Ramsey. That's Shopify.com slash Ramsey. Shopify.com slash Ramsey.

Hey, what's up, guys? It's Jade Warshaw. Listen, summer spending adds up so fast between vacations and road trips and camp fees and events and all the extra gas and grocery runs. Money can get tight before you know it. To really get your money under control and keep it that way, you're gonna need a plan, and that's what you'll get with the Every Dollar Budget app. It helps you track your spending, free up cash to put toward debt and savings, And it's the simplest way to make a plan for your money before the month begins. So no more wondering where your money's going. You're telling it where to go. Download every dollar in the App Store or Google Play and start for free today.

If you're thinking about conducting one of the largest purchases that people make, like a house, you should have a pro in your corner, not someone who got their license three weeks ago that you met at church. No, you want a real estate agent that gets a lot of houses sold. Period. And you want high octane, high protein. If you want a Ramsey trusted real estate agent that we have vetted for their professionalism, their effectiveness, the amount of volume they do, and so on, they follow the Ramsey plan. You can connect with a Ramsey trusted agent who has your best interest at heart. for free at RamseySolutions.com slash agent or click the link in the description if you're on YouTube or podcast.

The problem with online investing advice, you hear so many different opinions and you're left wondering if you're even doing it right. And that's why we created Investing Essentials. Join me and Dave Ramsey at this two-night virtual event to learn Dave's playbook for investing and wealth planning. We'll break down 401ks, mutual funds, passing on wealth, and more. So join us September 1st and 2nd. Tickets start at $199. You can get yours today at ramseysolutions.com slash events, or just click the link in the show notes.

Hey, George Camel here. We often talk about how being normal sucks when it comes to your money. But guess what? Normal isn't so great when it comes to your job either. Normal is staying in a job you hate, dreading Mondays, and working for people you don't even like. Sound familiar? Well, the good news is you can break free from normal because Ramsey Solutions is hiring, and we refuse to settle for the ordinary. In fact, we are anything but normal and we are proud of it. And right now we're hiring for technology, sales, marketing, writing, copy editing, and creative roles. So head over to ramsaysolutions.com slash careers and apply today.