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And speaking of what's next, download the CFO's Guide to AI and Machine Learning at netsuite.com slash ramsey. It's free at netsuite.com slash ramsey. If your holiday ham tends to last longer than your New Year's resolutions, then I got a fresh challenge for you. Make this the year you take control of your financial future with an actionable plan. Sound intimidating? You don't have to do it alone.

And speaking of what's next, download the CFO's Guide to AI and Machine Learning at netsuite.com slash ramsey. It's free at netsuite.com slash ramsey. If your holiday ham tends to last longer than your New Year's resolutions, then I got a fresh challenge for you. Make this the year you take control of your financial future with an actionable plan. Sound intimidating? You don't have to do it alone.

SmartVestor Pros are financial advisors who can walk you through what you need to know about retirement planning, wealth management, and anything in between. Find a pro near you at ramseysolutions.com slash smartvestor. Ramsey Solutions is a paid, non-client promoter of participating pros.

SmartVestor Pros are financial advisors who can walk you through what you need to know about retirement planning, wealth management, and anything in between. Find a pro near you at ramseysolutions.com slash smartvestor. Ramsey Solutions is a paid, non-client promoter of participating pros.

SmartVestor Pros are financial advisors who can walk you through what you need to know about retirement planning, wealth management, and anything in between. Find a pro near you at ramseysolutions.com slash smartvestor. Ramsey Solutions is a paid, non-client promoter of participating pros.

Learn more at ramseysolutions.com slash smartvestor.

Learn more at ramseysolutions.com slash smartvestor.

Learn more at ramseysolutions.com slash smartvestor.

Listen, people, what you call organized chaos is still chaos. This year, build some room in your budget to get your life really organized. One tool that I recommend is a knockbox. As in next of kin, knockbox is a complete system that helps you organize important documents, accounts, IDs, tax returns, insurance policies, estate plans, and other personal history in one secure place. place.

Listen, people, what you call organized chaos is still chaos. This year, build some room in your budget to get your life really organized. One tool that I recommend is a knockbox. As in next of kin, knockbox is a complete system that helps you organize important documents, accounts, IDs, tax returns, insurance policies, estate plans, and other personal history in one secure place. place.

Listen, people, what you call organized chaos is still chaos. This year, build some room in your budget to get your life really organized. One tool that I recommend is a knockbox. As in next of kin, knockbox is a complete system that helps you organize important documents, accounts, IDs, tax returns, insurance policies, estate plans, and other personal history in one secure place. place.

The 15 categories in your knockbox cover everything from health history and investments to your ancestry and even collectibles. So cut the clutter with a knockbox. Start getting organized today and receive an exclusive discount at knockbox.com slash Ramsey. That's N-O-K box.com slash Ramsey. Hey, Dave Ramsey here.

The 15 categories in your knockbox cover everything from health history and investments to your ancestry and even collectibles. So cut the clutter with a knockbox. Start getting organized today and receive an exclusive discount at knockbox.com slash Ramsey. That's N-O-K box.com slash Ramsey. Hey, Dave Ramsey here.

The 15 categories in your knockbox cover everything from health history and investments to your ancestry and even collectibles. So cut the clutter with a knockbox. Start getting organized today and receive an exclusive discount at knockbox.com slash Ramsey. That's N-O-K box.com slash Ramsey. Hey, Dave Ramsey here.

Dr. John Deloney and I are coming to a city near you on the Money and Relationships Tour. You, the audience, will vote to choose the topics we talk about, things that impact your life, like investing in your future, money, stress, and marriage, and more. We're coming to Louisville, Durham, Atlanta, Kansas City, Fort Worth, and Phoenix in April and May 2025.

Dr. John Deloney and I are coming to a city near you on the Money and Relationships Tour. You, the audience, will vote to choose the topics we talk about, things that impact your life, like investing in your future, money, stress, and marriage, and more. We're coming to Louisville, Durham, Atlanta, Kansas City, Fort Worth, and Phoenix in April and May 2025.

Dr. John Deloney and I are coming to a city near you on the Money and Relationships Tour. You, the audience, will vote to choose the topics we talk about, things that impact your life, like investing in your future, money, stress, and marriage, and more. We're coming to Louisville, Durham, Atlanta, Kansas City, Fort Worth, and Phoenix in April and May 2025.

Tickets are at their lowest price right now. Grab yours at ramseysolutions.com slash tours.

Tickets are at their lowest price right now. Grab yours at ramseysolutions.com slash tours.

Tickets are at their lowest price right now. Grab yours at ramseysolutions.com slash tours.