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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 zander.com or call 800-356-4282 to get your family protected with term life insurance. That's zander.com or 800-356-4282.

This show is sponsored by BetterHelp. Hey, my friends at BetterHelp just released their annual State of Stigma report. It's full of all sorts of data about why so many people avoid getting the help they need for their mental and emotional health challenges. And here's a data point that stood out to me. More than three out of four Americans reported anxiety or depression symptoms just within the last few weeks. If that's you and you're carrying stress, anxiety, or depression, or symptoms of anxiety or depression, just talking to someone can help you more than you realize. I want you to contact my friends at BetterHelp. BetterHelp is an online therapy platform that matches you with one of their 30,000 plus licensed therapists based on your goals and preferences. It's easy and it's super convenient and you can message your therapist and schedule sessions right in the platform. And if the first therapist you're matched with isn't the right fit, you can switch at any time for no extra cost. Don't let stigma stand in the way of support. Visit BetterHelp.com slash Ramsey and get 10% off. That's BetterHelp, H-E-L-P dot com slash Ramsey.

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 World Watch, 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. World Watch'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 World Watch 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.

And tired and you're ready to get off the rat wheel, don't be a rat in the wheel, that's normal. And there's only one way to do it when it comes to money, and that's actually tell your money what to do instead of wondering where it went. That's called a budget, and the best way to do that is with EveryDollar. Now this is not simply a budget though. The budget's just part of it. Gets you started on working the entire Ramsey plan, and then as you work the Ramsey plan, the EveryDollar app's going to teach you how to walk those baby steps, the shortest distance between where you are and being a millionaire, a debt-free millionaire, by the way. In just 15 minutes, you're going to find thousands in hidden margin. You're going to feel like you got a raise. Don't be normal. Normal sucks. Start your EveryDollar app for free in the App Store or Google Play.

As your business grows, everything becomes more complex. There was a time when Ramsey Solutions had too many disconnected systems and not enough visibility across the business. We wasted too much time chasing information instead of making decisions. That's why we got NetSuite. NetSuite brings your financials, inventory, CRM, and more together in one place. More than 44,000 businesses run on NetSuite, including Ramsey. And now they're taking the next step with NetSuite Next, making it easier to put AI to work across your entire business. NetSuite Next helps you make the most of your time, automating routine work like forecasting demand and following up on overdue accounts. With NetSuite Next, AI is built into everything you do, so you can ask it questions just like when you're talking to a member of your team. And right now, you can try NetSuite Next for free. If your revenue is at least seven figures, go to netsuite.ai slash Ramsey. That's netsuite.ai slash Ramsey.

All about practical ways to save time and mental energy, especially during the summer when life gets busy between vacations, camps, deliveries, travel plans, online shopping, and trying to keep everyone organized. My mental load can get pretty full. That's one of the reasons why I love Delete Me. Most people don't realize how many data broker sites have their information online, like old addresses, phone numbers, and even family connections. And that can put you at risk of being a target for spammers and scammers. But removing all of it yourself can turn into a giant project. That's why Delete Me is amazing because Delete Me handles it for you. Their privacy team of experts removes your personal information from hundreds of data broker sites, and they keep monitoring it throughout the year. So far, Delete Me has saved me about 90 hours I would have spent myself removing my information. And honestly, it feels so good knowing that someone is in the background helping me and I don't even have to think about it. So this summer, give yourself a vacation with one less thing to manage. Get 20% off annual plans at joinseliteme.com slash Ramsey. That's joinseliteme.com slash Ramsey.

Today's question of the day is brought to you by Why Refi. When private student loan payments started getting away from you, well, it can feel like you're paying for decisions you made years ago because you are. Why Refi helps borrowers explore low fixed rate refinancing options and payments designed around your current situation. Visit whyrefi.com slash Ramsey. Might not be in all states.

When you're trying to hire, you don't have time to dig through stacks of resumes hoping someone halfway decent floats to the top. That's the world's least fun game of Where's Waldo. What you do need are qualified candidates who won't waste your time because you can be sure they actually want your job. Which is why I love the way ZipRecruiter is helping small business owners right now. ZipRecruiter has a new feature that finds the kind of people who will go the extra mile for you. Candidates can now tell you why they're interested, nay passionate about your role. And ZipRecruiter's smart matching technology automatically puts the most qualified, most interested candidates at the top of your list. So instead of sorting through a pile of just okay, you're seeing the right people faster. In fact, four out of five employers who post on ZipRecruiter get a quality candidate within the first day. That's not a coincidence. It's because ZipRecruiter goes the extra mile for you, just like the candidates you want to hire. Try ZipRecruiter for free today at ZipRecruiter.com slash Ramsey. That's ZipRecruiter.com slash Ramsey. Meet your match on ZipRecruiter.

One of the biggest mistakes people make is thinking they can skip doing a will because they don't need one. I'm too young. I'm too healthy. I don't own anything. Not is the case. Not is the case. Not is the case. You can die at any age and anything you have will be dictated by the government. Lord help you if you don't have a will, including where your kids go. So it helps protect your family. It gives clear instructions and can keep your loved ones from having to guess what you wanted during a difficult time or from going at each other's throats. If you're ready to create a will, go to MamaBearLegal.com. If you're not sure where to start, text QUIZ to 33789, and we'll help you figure out which option best fits your particular situation.

Hey, what's up guys? It's Jade. This back to school season, everybody's looking for ways to save money. But here's the thing. The best ways to find margin in your budget isn't on one-time purchases like new shoes or backpacks. It's on the bills that show up month after month. That's why I recommend switching to Boost Mobile. Boost Mobile's unlimited plan is just $25 a month forever. No contracts, no hidden fees, no surprise price hikes. And if you already have a phone you love, you can keep it and your number when you make the switch to Boost Mobile. That's my kind of budget win. You're not asking your family to give up anything. You're just paying less for something you already have. So if you're looking for ways to stretch your budget as the kids are going back to school, don't let a high phone bill eat up your money that you need for something else. Go to BoostMobile.com slash Ramsey and make the switch today. That's BoostMobile.com slash Ramsey.

Hey guys, George Camel here. You ever feel like you make good money and still have nothing to show for it? You run into Target for one thing and somehow walk out $87 later with toothpaste and emotional support candles? Just me? Okay. Well, that's the problem. Most people don't pay attention to how they spend their money, so it does whatever it wants. And that's why we created EveryDollar. It's a budgeting app that helps you create a simple plan for your money. EveryDollar is simple, it's clear, and it helps track where your money is actually going. Plus, you get daily lessons, to-dos, and reminders along the way. It's like having a money coach in your pocket. Your money's been freelancing long enough. It's time to give EveryDollar a full-time job. Go download EveryDollar for free on the App Store or Google Play.

Well, we wish we could get to every single calling question on the show. We can't. Sorry. There's just four lines and just three hours. I mean, we love you. We want to get to you. But we could do this 24-7 and still not get to everybody. But guess what? We can now because we have something that's 24-7. It's called Ask Ramsey. It's free. It's a free AI tool, and it's built and trained only on Ramsey Answers. AI can only spit out what you feed it. So we only feed it Ramsey, and it only spits out Ramsey. How cool is that? You get an answer the same exact way we'd answer it right here on the show, free. Ask Ramsey. Ask your question today at RamseySolutions.com. Ask Ramsey is the tool, or click the link in the description. You're listening on the podcast or the YouTube, and you'll find out exactly what we would say about that.

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.

Makes because they always deliver great entertainment. And I want to tell you about their newest movie coming out August 14th, The Brink of War. It's a historical drama about the 1986 summit in Iceland when President Reagan and Soviet leader Gorbachev faced each other in the height of the Cold War with the fate of the world on the line. It's got Jeff Daniels in it, Jared Harris, J.K. Simmons, and the cast alone tells you this is a serious film. And it's the kind of movie that's perfect for a date night. And Angel also has you covered for other date nights and a lot of nights when you stay in because when you become a premium member of the angel guild you get two free tickets to the brink of war in theaters access to angel's entire family friendly streaming library and free tickets to every future angel theatrical release so use promo code date night and you get four months of your annual membership for free. Come on, president reagan had to negotiate with gorbachev to get a deal this good you just need a promo code. That's angel.com slash ramsay to become a premium member of the angel guild. Use code date night. angel.com slash ramsay. Promo code date night.