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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.

The EveryDollar app is the easiest way to do that. It's the budgeting app that we invented years ago, and it has grown into actually the full Ramsey plan where it holds your hand and helps you decide what to do with each of the categories so that you're following the baby steps. But download the EveryDollar app at Apple Store or Google Play. It's free, and you can set up your budget on it. It won't take but about 20 minutes to set it up. And they'll guide you through the whole process, too. Yeah, it's very, very hand-to-mouth, easy to understand. Even I can do it.

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.

How do you find someone you can trust that's high octane? We vet them. They're called Ramsey Trusted Agents. You can find a Ramsey Trusted Agent for free at RamseySolutions.com slash agent. Or you can click the link in the description if you're listening on YouTube or podcast. We'll take you straight there.

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

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.

This show is sponsored by BetterHelp. 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 BetterHelp's 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 BetterHelp, H-E-L-P dot com slash Ramsey.

When I started, I had great ideas and I knew how to serve people, but I didn't have systems in place yet. At that time, I sold books out of the trunk of my car. It was a lot harder to start a business back then. Shopify makes it easier. Shopify is the business platform powering millions of businesses and about 10% of all e-commerce in the United States. If you've got a product or even just an idea, Shopify makes it simple to get moving. You can build a storefront, write product descriptions, and even improve your product photos all in one place. You don't need 10 different systems duct taped together. Shopify handles everything you need to make sales from payments to marketing and analytics. Plus that purple shop pay button is one of the best converting checkouts on the planet for fewer abandoned carts. And if you get stuck, Shopify offers 24 seven support. So If you've been sitting on the sidelines, it's time to turn those ideas into... Sign up for your $1 per month trial at Shopify.com slash Ramsey. That's Shopify.com slash Ramsey. Shopify.com slash Ramsey.

Well, we wish we could get to every call and question here on the show. If you've got a money question, you want an answer for your situation, head over to the website and use Ask Ramsey. Ask Ramsey is our free AI tool that's built and trained only on proven Ramsey principles. About three years' worth of this show we dropped into it. And we dropped all the books we've written into it. We dropped all the articles, which there's thousands of that we have on our website on different subjects into it. And so it's pure Ramsey, no Reddit, no TikTok, no crap, just what Ramsey says. And if you don't want to know what Ramsey says, then you wouldn't certainly use Ask Ramsey. But if you do want to know what Ramsey says, you could ask Ramsey, and you will only get a Ramsey-fied answer. As a matter of fact, it's getting increasingly smart-aleck. It's starting to sound like me. It's so bad. But, hey, ask your question today at RamseySolutions.com, completely free. Ask Ramsey, or click the link in the description if you're listening on podcast or YouTube.

Hey guys, George Camel here. Two things you should know about me. I love a good movie and I hate overpaying for things. An angel just checked both boxes. They've got a new movie called Young Washington, the story of George Washington's early life as a soldier before he became a founding father. And whether you're a history buff or not, this was a gripping, entertaining thrill ride of a prequel to the guy on the dollar bill. I was on the edge of my seat the whole time. Now, here's where the math gets fun. A premium Angel Guild membership is normally $20 a month, but as a Ramsey fan, you get 25% off, so it's just $15 a month. And that membership gets you two tickets to Young Washington in theaters, along with tickets to future Angel theatrical releases and access to their family-friendly streaming library. Two free movie tickets every month. I ran the numbers. The membership basically pays for itself before you even touch the popcorn. So get the deal and go see Young Washington in theaters this 4th of July to celebrate America's 250th birthday. Sign up at angel.com slash Ramsey. That's angel.com slash Ramsey.

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 EveryDollar in the App Store or Google Play and start for free today.

The Ramsey Show question of the day is brought to you by Why Refi. Missed private student loan payments can keep your budget stuck in neutral. Why Refi helps borrowers explore low fixed rate refinancing and payments based on what you can afford. So you can start moving forward again. Visit whyrefi.com slash Ramsey. That's the letter Y, R-E-F-Y dot com slash Ramsey. Might not be in all states.