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Health insurance is confusing on purpose. You call one company, get transferred three times, sit on hold for 45 minutes, and end up more confused than when you started. That's why I recommend Health Trust Financial. They're health insurance advisors who actually get to know your situation and help you find the right coverage for your life and your budget. Health care needs change as your life changes. Maybe it's a job change, the birth of a child, a new diagnosis, or you're just trying to have more margin at the end of the month. No matter your situation, Health Trust Financial shops multiple top-rated insurance carriers and helps you understand what you're actually buying. I've trusted Health Trust Financial for over 20 years because they help Ramsey fans make smart health care decisions. Go to HealthTrustFinancial.com today and talk to a real person without pressure or confusion. That's HealthTrustFinancial.com.

I've met plenty of people over the years who had a product that they wanted to sell, a side hustle that they wanted to start, or a business idea they couldn't stop thinking about. But they never took the first step because getting started felt complicated. Shopify makes it much easier. You can build a professional-looking online store in no time flat with everything you need already built in. Then when customers are ready to buy, Shopify checkout helps more of them actually complete the purchase. That's important because abandoned carts don't make you money. And when you need help, Sidekick, Shopify's built-in AI assistant, can help you troubleshoot, answer questions, and keep making progress. The point is you don't have to spend your time figuring out what comes next. You can spend your time getting it done. All you need is the idea. Shopify handles the rest. Start your free trial at Shopify.com slash Ramsey. Shopify.com slash Ramsey. That's Shopify.com slash Ramsey.

Have a will, you better get one because here's some of the information that people don't realize about wills. They're not about your age or how much stuff you have. That is the number one thing that people say to me. I don't need a will. I don't have that much stuff or I don't need a will. I'm not old. Guys, if you're an adult with people you love, if you have kids, if you have pets, if you have anything that you want handled a certain way, you need a will. It gives your family clear direction when they need it the most. So if you're ready to create one, I want you to go to mamabearlegal.com. That's where I made my will with Sam Warshaw. And if you're a person who's like, hey, Jade, I don't know if I need a will. I'm just not really sure where to start. I want you to text the word quiz to the number 33789. Okay, text quiz to 33789 and we'll help you figure out which option fits your situation.

Because better sleep means better health. And if you've been losing sleep or waking up twisted up and sore because of some old, thin, gross mattress that wasn't designed with you in mind, I want you to start caring more about your sleep and your mattress too. When it comes to mattresses, I love Helix mattresses. They make mattresses for real, individual people. Whether you're a side sleeper, a back sleeper, if you sleep hot, or if your partner and you have completely different sleep needs, Helix has mattresses designed just for you. I want you to get online and take the Helix Sleep Quiz. It takes like two minutes, and they're going to match you with the perfect mattress just for you and how you actually sleep. Go to helixsleep.com slash Ramsey for early access to their Labor Day sale and save 20% off site-wide. Now's the time to change. That's Helix, H-E-L-I-X, helixsleep.com slash Ramsey. With Helix, better sleep starts right now.

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 anyone is dependent on your income, you need to have 10 to 12 times your income in life insurance now. And most people are surprised by how affordable term life really is, even if you're not in perfect health. Look, I understand the hesitation since most insurance companies make it more of a hassle than it needs to be. Not at Zander Insurance. They're not an insurance company. 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 Zander for straight answers, competitive rates, and coverage that actually protects your family. Call 800-356-4282 or go to Zander.com for a quick and easy quote. That's Zander.com.

Back to school time means you're depending on your vehicles more than ever. Whether you're driving kids to school, helping one move into a dorm, or just managing a busy fall schedule, the last thing you need is your car to break down and throw your plans off track. That's why I recommend Christian Brothers Automotive. One of the smartest things you can do is stay ahead of potential car problems before they become expensive repairs. And Christian Brothers makes that easier with their digital vehicle inspection. You see exactly what their technicians see, so you're not left guessing about what's wrong or wondering whether the repairs are actually needed. You get honest recommendations and the information you need to make a wise decision. And every repair is backed by their nice difference warranty. Three years or 36,000 miles, whichever benefits you more. Help your vehicle last longer. Schedule your service today and get 10% off your visit at CBAC.com slash Ramsey. That's CBAC.com slash Ramsey. 10% off, up to a $250 value. See store for details.

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 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.

Hey, George Camel here. So you're thinking about buying or selling your home. It's exciting, but there's a lot to think about and all those decisions can feel overwhelming. Well, here's the good news. You don't have to tackle the process alone. Ramsey's Real Estate Homebase is the place to find all of your free tools and resources for help to get prepared to buy or sell your home with confidence. You'll find calculators, start to finish guides, a podcast, and even an in-depth video course hosted by yours truly. What's not to love? So if you're ready to take the next steps toward your home goals, go to RamseySolutions.com slash real estate. That's RamseySolutions.com slash real estate.

So guys, if you're working the baby steps, just know the best and fastest way to do that is by using EveryDollar, my favorite budgeting app. And the truth is, it's more than just a budgeting app. Right now, it's a plan that's built right in. You hear us talk about the Ramsey plan all the time, and EveryDollar is built on that Ramsey plan. So we're not just telling you how to budget. We have an opinion on how you should manage your finances and the best ways to build wealth and how to find margin. And EveryDollar is going to hip you to that game, okay? You can track your progress, plus you get personalized recommendations and coaching for your situation that will help you free up more money and work the plan faster than ever. Trust me, it's like having one of us walking with you every day in your pocket, showing you the next right step and holding you accountable.

Today brought to you by Why Refi. Listen, when private student loan payments start getting away from you, you can feel like you're paying for decisions you made years ago. But Why Refi helps borrowers explore low fixed rate refinancing options and payments designed around your current situation. Just visit whyrefi.com slash ramsey and remember it may not be available in all states.

Hey, this is Dr. John Deloney. Sleep is a huge deal to me because better sleep means better health. And if you've been losing sleep or waking up twisted up and sore because of some old, thin, gross mattress that wasn't designed with you in mind, I want you to start caring more about your sleep and your mattress too. When it comes to mattresses, I love Helix mattresses. They make mattresses for real, individual people. Whether you're a side sleeper, a back sleeper, if you sleep hot, or if your partner and you have completely different sleep needs, Helix has mattresses designed just for you. I want you to get online and take the Helix Sleep Quiz. It takes like two minutes, and they're going to match you with the perfect mattress just for you and how you actually sleep. Go to helixsleep.com slash Ramsey for early access to their Labor Day sale and save 20% off site-wide. Now's the time to change. That's Helix, H-E-L-I-X, HelixSleep.com slash Ramsey. With Helix, better sleep starts right now.