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Well, are you sick and tired of working so hard but having nothing to show for it? Well, can I tell you that that's normal and unfortunately normal is broke and you don't have to live that way. Our EveryDollar budget app helps you find extra money every month and builds you a personalized plan to beat debt and build wealth. In just 15 minutes, you'll find thousands in hidden margin. You'll feel like you got a raise. So don't live normal when you can live like no one else. Start every dollar for free in the App Store or Google Play today.

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 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 home buyer 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 ramseyoffer to learn more. That's a special website. Remember this, churchillmortgage.com slash ramseyoffer. 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. Brent Wendon to Z. 37027.

Hey guys, healthcare is one of the biggest stress points in your budget. It's confusing, and most of the time, it feels completely out of your control. But there is a better way to handle it. Christian Healthcare Ministries isn't health insurance. It's a health cost-sharing ministry where Christians share each other's medical bills. And it's not a new idea. THM has been around since 1981. It's predictable and proven, and they've shared over $13 billion in medical bills for their members. Plus, you get more flexibility. There are no network restrictions and you don't have to wait for open enrollment. Now, let's talk about how CHM helps your budget because programs start at just $115 a month and many families save hundreds of dollars a month compared to traditional options. So if you are tired of feeling stuck, check out Christian Healthcare Ministries. Right now, CHM is offering new members 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 use promo code Ramsey.

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.

You spend hours researching before making a major purchase like a home or car, but it's also a good idea to put in the work searching for the right insurance coverage. To protect your biggest assets, I recommend using Ramsey Trusted Pros. Whether you're looking for car, home, or any other type of insurance, Ramsey Trusted Providers have been coached and vetted to serve you like we would. Find what you need at RamseySolutions.com slash insurance.

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 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.

The 4th of July is all about freedom, but being broke and stressed out about money all the time, that's not freedom. Look, you can change that. Right now, during our 4th of July sale, select hardcovers are $13 each or mix and match three for 33. If you're stressed out and living paycheck to paycheck, these books will help because real freedom begins when debt stops calling the shots. Don't wait. The sale only lasts four days. Go to RamseySolutions.com slash store today.