The Ramsey Show sponsors and ad reads

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.