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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.

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.

Well, we call it the baby steps, and we've helped millions, tens of millions of families become baby step millionaires by working through this process. And, of course, they do it with a plan, and the plan is a budget, and it's called EveryDollar. The Every Dollar Budgeting app will hold your hand into a personalized coaching plan and help you find extra money to get out of debt, build wealth, and become a Baby Steps millionaire. In 15 minutes, you're going to find your first few thousands of hidden margin, money that you're just pissing away, and you can actually start doing something with it. Actually be a grown-up and stuff. And we'll show you how to do it. You can download every dollar for free in the App Store or Google Play. And then you can call here. We'll help you. But you won't really need to because it'll tell you the same exact stuff George and I are going to tell you.

If you're planning a summer trip, you're probably spending a lot of time getting everything ready because responsible people prepare for things that matter. And travel has a way of reminding us life can change fast. That's why I recommend Mama Bear legal forms. See, a lot of people put off getting a will because they think it's complicated, expensive, or they'll have to sit in a lawyer's office for hours. But without a will, your family is left trying to figure out who gets what, and who takes care of your children instead of grieving. Mama Bear helps you solve that problem. They make completing your will easy, affordable, and specific to your state. The whole thing is designed to help you quickly get a will done without hiring a lawyer. In fact, you can finish your will in less time than it takes to pack your carry-on bag. So before you load up the car or get on a plane this summer, go to MamaBearLegalForms.com and make your will. Use the promo code RAMSEY and save 20%. That's MamaBearLegalForms.com, promo code RAMSEY.

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? 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. 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.

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 Microsoft. 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.

Hey, George Camel here. A few years ago, someone stole my identity. And let me tell you, that is not a quick fix. It takes hours on the phone, piles of paperwork, and a whole lot of stress trying to untangle the mess. And even after that, there's this nagging paranoia because your information is already out there. And the truth is, you can do all the right things and still become a victim. That's how common identity theft is. And that's why I'm glad I had Xander's identity theft protection. When my identity was stolen, their team stepped in right away. They were monitoring my information and caught the issue, and their US-based recovery specialists help handle the calls, the paperwork, the cleanup, so I didn't have to do it all on my own. Xander also includes up to $2 million in stolen funds and expense reimbursement. And with the family plan, your kids are covered for free. You work too hard to let identity theft steal your time, your money, and your peace of mind. So go to Xander.com to enroll today or call 800-356-4282.

So you need to get a high-octane, high-protein professional real estate agent. We vet the agents that we put on our website to recommend to you. They're called Ramsey Trusted. They do 50 to 300 transactions a year. They don't do two transactions, and they actually know how to do A comparative market analysis, an appraisal to get your house on the market for the right price so you don't call me up and say my mother-in-law just sold her house for $40,000 too cheap. Ouch. RamseySolutions.com slash agent, and you can find a Ramsey trusted agent for free or click the link in the description if you're on YouTube or podcast.

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.

The Ramsey Show question of the day is brought to you by Why Refi? Missed private student loan payments putting you in default can keep your budget stuck. Why Refi helps borrowers explore how fixed rate financing with low payments based on what you can afford. Get you moving again. Visit yrefy.com slash Ramsey. That's the letter Y-R-E-F-Y dot com slash Ramsey. Might not be in all states.

Coming up in a few episodes, I'm going to be walking through the latest data on net worth by age as sort of America's financial report card, if you will. And I want to know how our audience stacks up. And here's my bet. I bet you that our audience has a much higher average net worth than most of America. So here's the challenge. We're going to include a link in the show notes of this episode to our Ramsey Net Worth Calculator. Here it is. Go calculate your net worth. Let us know in the comments your age and your net worth, wherever you're watching. We're going to compile the comments and see how our audience stacks up against the data. So head to the show notes if you're on YouTube or podcast. Take the net worth calculator and put it in the comments with your age. That'll be a fun... And it's all at RamseySolutions.com, right? That's right. That's how you find the calculator? And we'll link it directly in the show notes if you jump down there. Okay. That's the easiest way. All right.

Hey guys, Dave Ramsey here. Every day on this show we help people work through real money problems and figure out what to do next. Now you can get that same kind of help anytime with Ask Ramsey. Ask your money question and get answers built on Ramsey principles we use on the show. Whether you're making a decision or just want something explained, Ask Ramsey is here to help. It's fast, simple, and free to use. Go to RamseySolutions.com and try Ask Ramsey today. That's RamseySolutions.com.

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 right insurance acts as a shield around your loved ones in your wallet if disaster strikes. Our free insurance coverage checkup helps you figure out if you have the right coverage by giving you a personalized action plan with clear next steps. Go to RamseySolutions.com slash checkup and take the free coverage checkup and find out if you have the protection you need.

Hey guys, Dave Ramsey here. Every day on this show we help people work through real money problems and figure out what to do next. Now you can get that same kind of help anytime with Ask Ramsey. Ask your money question and get answers built on Ramsey principles we use on the show. Whether you're making a decision or just want something explained, Ask Ramsey is here to help. It's fast, simple, and free to use. Go to RamseySolutions.com and try Ask Ramsey today. That's RamseySolutions.com.

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