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Don't wait for the interest rate to be perfect before buying or refinancing a home. Talk to Churchill Mortgage. Smart buyers buy the home they can afford now and then refinance later if rates improve. Churchill helps you make decisions with confidence instead of guessing. And Churchill Mortgage has a webpage with special offers just for our audience. Go to churchillmortgage.com slash Ramsey offer. This is a paid advertisement. NMLS ID 1591. NMLSconsumeraccess.org. Equal housing lender.

Create your free every dollar budget today. The simplest way to budget for your life.

brought to you by the EveryDollar app. Start budgeting for free today.

Create your free every dollar budget today. The simplest way to budget for your life.

Brought to you by the EveryDollar app. Start budgeting for free today.

Listen, identity theft doesn't happen because you're careless. It's part of the modern world. Even when you do everything right, criminals can steal your information and turn your life upside down. That's why I've told people for years to have identity theft protection, and the only one I've ever recommended is from Zander Insurance. They monitor for fraud, and if something happens, they do the hard work to restore your identity. Go to Xander.com and protect yourself today.

Brought to you by the EveryDollar app. Start budgeting for free today.

Create your free every dollar budget today. The simplest way to budget for your life.

If you're serious about budgeting, you can't ignore healthcare. For most families, it's one of the biggest line items. Y'all, you can cut subscriptions and eating out, but if you're still stuck with a massive premium every month, it's going to be stressful. Now, Christian Healthcare Ministries is different. It's not insurance. It's believers sharing each other's medical bills. And the best part, programs start at just $115 a month. So go to chministries.org slash budget and use code RAMSEY For 50% credit towards your first month.

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Summer gets busy fast. Between vacations, camps, and travel plans, the last thing you need is another thing to manage. That is why I love Delete Me. Delete Me removes your personal information from hundreds of data broker sites that can leave you vulnerable to spammers and scammers, and they keep monitoring it all year long. And honestly, it feels good knowing that someone is handling it for me. And you can get 20% off an annual plan at joindeliteme.com slash Ramsey. That's joindeliteme.com slash Ramsey.

Brought to you by the EveryDollar app. Start budgeting for free today.

Brought to you by the EveryDollar app. Start budgeting for free today.

hey what's up guys it's jade listen my husband and i drive used vehicles and we really do plan on keeping those running for a long time so we trust christian brothers automotive to take care of them their team is honest their shops are super clean and what i love is they don't try to upsell us on things that we don't need i personally feel really confident walking into christian brothers because i know that no one's gonna try to take advantage of me or scare me into unneeded repairs Christian Brothers gets it. So schedule a service today at CBAC.com slash Ramsey and get 10% off your visit. That's up to a $250 value. See stores for details.

Brought to you by the EveryDollar app. Start budgeting for free today.

Brought to you by the EveryDollar app. Start budgeting for free today.

Don't wait for the interest rate to be perfect before buying or refinancing a home. Talk to Churchill Mortgage. Smart buyers buy the home they can afford now and then refinance later if rates improve. Churchill helps you make decisions with confidence instead of guessing. And Churchill Mortgage has a webpage with special offers just for our audience. Go to churchillmortgage.com slash Ramsey offer. This is a paid advertisement. NMLS ID 1591. NMLSConsumerExcess.org Equal Housing Lender.