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When you're trying to hire, you don't have time to dig through stacks of resumes, hoping someone halfway decent floats to the top. That's the world's least fun game of Where's Waldo. What you do need are qualified candidates who won't waste your time because you can be sure they actually want your job. Which is why I love the way ZipRecruiter is helping small business owners right now. ZipRecruiter has a new feature that finds the kind of people who will go the extra mile for you. Candidates can now tell you why they're interested, nay, passionate about your role. And ZipRecruiter's smart matching technology automatically puts the most qualified, most interested candidates at the top of your list. So, instead of sorting through a pile of just okay, you're seeing the right people faster. In fact, 4 out of 5 employers who post on ZipRecruiter get a quality candidate within the first day. That's not a coincidence. It's because ZipRecruiter goes the extra mile for you, just like the candidates you want to hire. Try ZipRecruiter for free today at ZipRecruiter.com slash Ramsey. That's ZipRecruiter.com slash Ramsey. Meet your match on ZipRecruiter.

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. Xander 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.

One of the biggest mistakes with money that people make is thinking they can skip having a will because they're too young or too healthy or they don't own anything. A will helps protect your family. It gives clear instructions and can keep your loved ones from having to guess at what you wanted during a difficult time, like who's going to take care of your children. Don't let the state decide that, okay? If you're ready to create a will, go to mamabearlegalforms.com. And if you're not sure where to start, text QUIZ to 33789 and we have a free quiz there that will help you figure out what kind of option fits your situation best. We'll help you guide on this and it's just very important that everyone have a detailed will that is up to date based on the state you are living in today. If you have changed states, your will is not valid if you moved to another state. Will probate law is state law, so the laws are state-specific.

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 Fairwinds 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.

I've met plenty of people over the years who had a product that they wanted to sell, a side hustle that they wanted to start, or a business idea they couldn't stop thinking about. But they never took the first step because getting started felt complicated. Shopify makes it much easier. You can build a professional-looking online store in no time flat with everything you need already built in. Then when customers are ready to buy, Shopify Checkout helps more of them actually complete the purchase. That's important because abandoned carts don't make you money. And when you need help, Sidekick, Shopify's built-in AI assistant, can help you troubleshoot, answer questions, and keep making progress. The point is you don't have to spend your time figuring out what comes next. You can spend your time getting it done. All you need is the idea. Shopify handles the rest. Start your free trial at shopify.com slash Ramsey.

Hey guys, it's Rachel Cruz. If you're working the baby steps, every major expense deserves a second look. And healthcare is one of the biggest expenses in most families' budgets. And that is why I recommend that you check out Christian Healthcare Ministries. CHM isn't insurance. It's a health cost-sharing ministry. That means members help pay one another's medical bills. And they've been serving Christians since 1981. CHM programs start at just $115 a month. And here's why that matters. If you are paying more than you need to for healthcare, that money could be going toward paying off debt, building your emergency fund, or reaching your next financial goal. And your monthly cost isn't based on your medical history or where you live. Y'all, a lot of families find CHM gives them more room in the budget. That's why so many members say they're better with CHM. And right now, new members can receive 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 promo code Ramsey.

A lot of people think buying a home starts with going to an open house and falling in love with a kitchen. But if you're buying a home the right way, that's not where you start. You start with a trusted guide like Churchill Mortgage. Churchill will show you what actually makes sense for you, real numbers, not what a bank will approve, and not what some self-serving realtor hopes you'll stretch to afford. What I want for you is confidence that you're not guessing. Confidence that you're buying a home that you'll own, not one that owns you. That's why I've recommended Churchill Mortgage from the very beginning. They take the time to walk with you, answer your questions, and help you start with wisdom so you can move forward with clarity. Listen, if you're thinking about buying a home, don't start with an open house. Start with a trusted guide. Go to churchillmortgage.com and get started today. That's churchillmortgage.com. This is a paid advertisement. NMLS ID 1591. NMLSconsumeraccess.org. Equal housing lender.

If your private student loans are in default when you've fallen so far behind the loan is considered unpaid, Y-Refi might be able to help. Y-Refi helps borrowers in tough situations explore low fixed rate refinancing options that fit your budget. Go to yrefi.com slash Ramsey. That's the letter Y-R-E-F-Y dot com slash Ramsey. Might not be in all states.

As a dad of young kids, I'm starting to think a lot more about the world they're growing up in and how I'll help them make sense of it as they get older. And that's why I like World Watch, a video news service for preteens and teens. Because one thing I know for sure, if you don't teach your kids how to understand the world, somebody else will. And these days, that could be TikTok, YouTube, Instagram influencers, or whoever happens to show up in their social media feed. World Watch's 10-minute videos help young people understand what's happening in the world through a Christian worldview without all the outrage, negativity, and noise that is everywhere these days. The reporting is factual, engaging, and designed specifically for preteens and teens. And Worldwatch creates opportunities for something every family needs more of: meaningful conversations. Instead of just reacting to headlines, kids learn how to think about what's happening in the world and parents get a chance to keep those conversations going at home. Because when my kids are old enough, I want them informed, not overwhelmed. And right now, you can get a 30-day free trial. Just go to worldwatch.news slash Ramsey or use promo code Ramsey to get started. That's worldwatch.news slash Ramsey.

As your business grows, everything becomes more complex. There was a time when Ramsey Solutions had too many disconnected systems and not enough visibility across the business. We wasted too much time chasing information instead of making decisions. That's why we got NetSuite. NetSuite brings your financials, inventory, CRM, and more together in one place. More than 43,000 businesses trust NetSuite, including Ramsey. And now they're taking the next step with NetSuite Next, making it easier to put AI to work across your entire business. NetSuite Next helps you make the most of your time, automating routine work like forecasting demand and following up on overdue accounts. With NetSuite Next, AI is built into everything you do, so you can ask it questions just like when you're talking to a member of your team. And right now, you can try NetSuite Next for free. If your revenue is at least seven figures, go to netsuite.ai slash Ramsey. That's netsuite.ai 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 going to 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've had your phone two or three years, there's a chance it's unlocked. So bringing your own phone is a great way to unlock savings on your wireless bill. You can switch to Boost Mobile to get unlocked. Bring your own device and save big. See, the big wireless companies count on you staying right where you are, paying more than you should every single month. They make it sound complicated to switch. It's not, by the way. And meanwhile, your bill keeps going up. That's not inflation. That's them taking advantage of you, but Boost Mobile is different. They make it simple. You bring your phone, keep your number, and get unlimited wireless for just $25 a month, and that price is locked in forever. No contracts, no hidden fees, no surprises. So if you're tired of wasting money on your phone bill, this is your chance to do something about it. Go to boostmobile.com slash Ramsey, get unlocked, and keep more of your hard-earned money. That's BoostMobile.com slash Ramsey. $25 forever requires customers to remain active on Boost Mobile Unlimited Plan.