The Ramsey Show sponsors and ad reads

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

Hey guys, it's Rachel Cruz. When it comes to life insurance, most people fall into one of two camps. The ones who make a plan to protect their family and the ones who hope everything will just work out. But hope isn't a financial plan. When you get married or have kids, your money decisions aren't just about you anymore. Your income helps keep the lights on, pay the mortgage, and put food on the table. And if something happens to you, will your family have protection or uncertainty? Well, at Ramsey, we recommend term life insurance that 10 to 12 times your income with a 15 to 20-year term for the years that your kids are at home and your mortgage is still being paid off. That's why Winston and I have our term life coverage through Zander Insurance. They're an independent broker who works for you, shopping all the top companies to find the most competitive prices on coverage you need. Get instant quotes online in just minutes at Xander.com or call 800-356-4282 to get your family protected with term life insurance. That's Xander.com or 800-356-4282.

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 NetSuite. 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.

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.

This show is sponsored by BetterHelp. Summer is here, and whoa, everything changes this time of year. The kids are out of school, routines are out the window, you're traveling more, probably sleeping less, and if you're not careful, you and your family can end up running on fumes. I know, I'm running on fumes right now. If you don't take time to slow down and take care of yourself, all that stress is not just gonna disappear. It will show up in your body, it will show up in your relationships, it will show up in your work, in your patients, everywhere. This is why I'm a big fan of BetterHelp. BetterHelp is an online therapy platform that matches you with a licensed therapist based on your goals and preferences. All of their therapists follow a strict code of conduct, and you can message yours or schedule sessions right in the app. And if it's not the right fit, you can switch therapists at any time for no extra cost. Listen, you don't have to carry everything all by yourself this summer. Go to BetterHelp.com slash Ramsey to get 10% off. That's BetterHelp, H-E-L-P dot com slash Ramsey.

We have a sponsor that I want you to talk to called Guardian Litigation. And what they do is they're not debt consolidators, but what they do, they're attorneys, and they go and set up a plan with each of them. So it works a lot like debt consolidation, but it's not debt consolidation, and it's a law firm. So you've got representation built in. And they do a really good job on situations like yours. Now, if you've got $8,000, it's not worth messing with. We'll figure it out. But you've got $80,000 on 16 accounts, and this is really what they specialize in. Yeah, and that website for you is guardianlit.com slash Ramsey Phillips. So at the end of this call, jump on there, and they can at least help with that side of it.

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 Worldwatch, 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. Worldwatch'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.

Our EveryDollar app has its own fan base now. This app allows me to keep my budgeting goals organized. I love the projection on when we'll be debt-free, and my estimated net worth gives you something to work towards and gives you a light at the end of the tunnel. Hey, that's awesome. Hey, if you start EveryDollar for free, not only will you have the world's best budgeting app on your side, but you're going to have Ramsey in your ear. We're going to be teaching you the same stuff George and I would teach you as you go through the app. It's a personalized plan. We're going to walk you through the baby steps, the fastest way out of debt, the fastest way into wealth, and it's free. Go to every dollar in the App Store or Google Play.

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.

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.

Dave Ramsey here. For more than 30 years, I've been talking to folks on the air, and I can tell you that most people are broke, not because they don't make enough money, but because they don't have a plan. You need to give every dollar you earn a job, because when you do that, something changes. You stop guessing. You stop worrying. You stop stressing. Our EveryDollar budgeting app will show you how to find extra cash, pay off debt, and finally start winning with money. But most people won't do it. They'll keep living paycheck to paycheck. Keep hoping things will change without making a change. It's time to say enough is enough. It's time to take control of your money. It's time to start your every dollar budget for free today. Go download it in the App Store or Google Play.

If your private student loans are in default, well, when you've fallen behind so far that the loan's considered unpaid, well, Y-Refi might be able to help. Y-Refi helps borrowers in tough situations explore low, fixed-rate refinancing options that fit their 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.

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 $199.00. Get yours today at RamseySolutions.com slash events or click the link in the show notes.

The right insurance acts as a shield, as a defense, while your offense is your investing. If disaster strikes your wallet needs protection, our free insurance coverage checkup helps you figure out if you have the right coverage if you're getting ripped off and gives you a personalized action plan with clear next steps to get the right coverage in place and the wrong coverage gone. Go to RamseySolutions.com slash checkup and take the free coverage checkup.

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 RamseySolutions.com slash careers and apply today.

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