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From the Ramsey Network and the Fairwinds Credit Union studio, this is The Ramsey Show.

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.

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.