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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 Zander 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 Zander for straight answers, competitive rates, and coverage that actually protects your family. Call 800-356-4282 or go to Zander.com for a quick and easy quote. That's Zander.com.

Let me tell you something I see happen way too often. People fall behind on their bills, and they wait. They hope it will work itself out. It won't. That's why I recommend Guardian Litigation Group. Here's the deal. If you've missed payments, collectors are calling, or if you're getting letters threatening legal action, that's not something to ignore. That's the moment to deal with it, because when you do nothing, it escalates. They can take you to court, and if you don't respond, they can win by default, and that gets expensive fast. Guardian litigation isn't a call center. They're an actual law firm. From day one, you're assigned an attorney to represent you. So, if things do escalate, you're not scrambling and you're not hit with surprise legal fees. Guardian litigation only gets paid when the debt is negotiated and you accept the settlement offer. This isn't about shortcuts. It's about dealing with the problem before it gets worse. Go to guardianlit.com slash Ramsey today. That's guardianlit.com slash Ramsey today. Attorney advertising. Results may vary and no specific outcome is guaranteed.

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 World Watch 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 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 World Watch 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 all right back to the ramsey show we go where we have kelly who's in detroit michigan hey kelly All righty, our question of the day is brought to you by Y-Refi. If you keep putting off dealing with private student loans, now's the time. Y-Refi helps borrowers explore fixed rate financing options and affordable payment plans. Go to Y-Refi.com slash Ramsey. That's the letter Y-R-E-F-Y dot com slash Ramsey, and it may not be available in all states.

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.

This show is sponsored by better help summer is a time when people get away from it all. Whether it's relaxing or going on vacation, we've all been sold this lie that if we could just escape from everything, then our lives will magically fix themselves. But here's the truth. A vacation won't fix what you won't face. If you're burned out, if you're anxious, if you're struggling, your problems will be waiting for you when you get back. And this is why I recommend BetterHelp. BetterHelp is an online therapy platform that fits into your life. You can talk with a licensed therapist by phone video or messaging from anywhere there's no commuting no sitting in a waiting room just a safe place to process what's going on in the comfort of your own home in your office in your car all of better helps therapists follow a strict code of conduct you can message your therapist and schedule sessions right in the app and if the first therapist isn't the right fit you can switch at any time for no extra cost this summer don't ignore what's coming to the surface sometimes the strongest thing you can do is stop running from things and start dealing with them go to betterhelp.com slash ramsey to get 10 off that's better help help.com 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.

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 Fairwind SpendSmart 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.

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 EveryDollar a full-time job. Go download EveryDollar for free on the App Store or Google Play.

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