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All right, Dave, you have some strong opinions. Possibly, yeah. Yeah, I think so. Okay, because you really prefer credit unions over big banks. So why is that?

All right, Dave, you have some strong opinions. Possibly, yeah. Yeah, I think so. Okay, because you really prefer credit unions over big banks. So why is that?

All right, Dave, you have some strong opinions. Possibly, yeah. Yeah, I think so. Okay, because you really prefer credit unions over big banks. So why is that?

Yes. Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.

Yes. Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.

Yes. Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.

Yeah, absolutely. And you're right. Their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user-friendly. The step-by-step approach was unbelievable. And then the next day, my phone rings and it says Fairwinds on my phone.

Yeah, absolutely. And you're right. Their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user-friendly. The step-by-step approach was unbelievable. And then the next day, my phone rings and it says Fairwinds on my phone.

Yeah, absolutely. And you're right. Their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user-friendly. The step-by-step approach was unbelievable. And then the next day, my phone rings and it says Fairwinds on my phone.

So I answered it and talked to someone there and they said, yeah, they give... calls to every new customer. And so again, they just really care about your experience. And I so, so appreciate that. So again, you guys, I know it can be a pain to switch banks or to open up new accounts, but Fairwinds, again, they make it so easy.

So I answered it and talked to someone there and they said, yeah, they give... calls to every new customer. And so again, they just really care about your experience. And I so, so appreciate that. So again, you guys, I know it can be a pain to switch banks or to open up new accounts, but Fairwinds, again, they make it so easy.

So I answered it and talked to someone there and they said, yeah, they give... calls to every new customer. And so again, they just really care about your experience. And I so, so appreciate that. So again, you guys, I know it can be a pain to switch banks or to open up new accounts, but Fairwinds, again, they make it so easy.

Plus anything that you can do at a traditional branch, you can do with them at fairwinds.org or on their app. And you'll have free access to over 33,000 ATMs.

Plus anything that you can do at a traditional branch, you can do with them at fairwinds.org or on their app. And you'll have free access to over 33,000 ATMs.

Plus anything that you can do at a traditional branch, you can do with them at fairwinds.org or on their app. And you'll have free access to over 33,000 ATMs.

Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey to learn more. That's F-A-I-R-W-I-N-D-S dot org slash Ramsey. Hey, you guys, health insurance costs are only moving one way, and that way isn't down.

Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey to learn more. That's F-A-I-R-W-I-N-D-S dot org slash Ramsey. Hey, you guys, health insurance costs are only moving one way, and that way isn't down.

Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey to learn more. That's F-A-I-R-W-I-N-D-S dot org slash Ramsey. Hey, you guys, health insurance costs are only moving one way, and that way isn't down.

And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy. So if you feel like the system is working against you, try a biblically-based alternative to health insurance, Christian Healthcare Ministries.