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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.

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.

CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours take care of over $11 billion in medical bills since 1981. And CHM has also helped them stay true to their values and avoid miles of red tape. And CHM support goes far beyond meeting financial needs. They'll also help meet spiritual needs.

CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours take care of over $11 billion in medical bills since 1981. And CHM has also helped them stay true to their values and avoid miles of red tape. And CHM support goes far beyond meeting financial needs. They'll also help meet spiritual needs.

CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours take care of over $11 billion in medical bills since 1981. And CHM has also helped them stay true to their values and avoid miles of red tape. And CHM support goes far beyond meeting financial needs. They'll also help meet spiritual needs.

Members become part of a family who will pray with them and for them when they experience a medical event. So listen, y'all, there's no better way to take care of health care costs. CHM programs start as low as $98 a month. So learn more today and join at chministries.org slash budget. That's chministries.org slash budget.

Members become part of a family who will pray with them and for them when they experience a medical event. So listen, y'all, there's no better way to take care of health care costs. CHM programs start as low as $98 a month. So learn more today and join at chministries.org slash budget. That's chministries.org slash budget.

Members become part of a family who will pray with them and for them when they experience a medical event. So listen, y'all, there's no better way to take care of health care costs. CHM programs start as low as $98 a month. So learn more today and join at chministries.org slash budget. That's chministries.org slash budget.

What if I told you that car payments, student loans, and maxed out credit cards shouldn't be the reason you missed out on a rizzed out weekend with your closest photogenic friends? Or maybe you're on the other side of that age equation and you made some questionable business decisions back in the 90s.

What if I told you that car payments, student loans, and maxed out credit cards shouldn't be the reason you missed out on a rizzed out weekend with your closest photogenic friends? Or maybe you're on the other side of that age equation and you made some questionable business decisions back in the 90s.

What if I told you that car payments, student loans, and maxed out credit cards shouldn't be the reason you missed out on a rizzed out weekend with your closest photogenic friends? Or maybe you're on the other side of that age equation and you made some questionable business decisions back in the 90s.

So now you're forced to rent out the entire first floor of your home to pay back that second mortgage. Uh-oh, looks like 20-something's got your book solid for the next four months. It's December. Whatever stage of debt you're in, EveryDollar's DebtZempik promises to help you lose debt fast. DebtZempik rewires your financial metabolism, making smart money choices almost effortless.

So now you're forced to rent out the entire first floor of your home to pay back that second mortgage. Uh-oh, looks like 20-something's got your book solid for the next four months. It's December. Whatever stage of debt you're in, EveryDollar's DebtZempik promises to help you lose debt fast. DebtZempik rewires your financial metabolism, making smart money choices almost effortless.

So now you're forced to rent out the entire first floor of your home to pay back that second mortgage. Uh-oh, looks like 20-something's got your book solid for the next four months. It's December. Whatever stage of debt you're in, EveryDollar's DebtZempik promises to help you lose debt fast. DebtZempik rewires your financial metabolism, making smart money choices almost effortless.

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From the moment DebtZempik enters your system, impulse spending disappears, your money stretches further, and your budget totally sticks. Because you can't overspend. We dare you to try. It won't work. It's DebtZempik. 20-somethings everywhere agree. This thing works. No cap.

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You don't have to stay trapped upstairs waiting on the police to arrive after you filed a noise complaint on your renters just to keep the deposit. Now, there's Det Zempen. Because getting into debt is a lot more fun than getting out. This commercial was created entirely from stock footage and actors have no idea how they are being portrayed.

You don't have to stay trapped upstairs waiting on the police to arrive after you filed a noise complaint on your renters just to keep the deposit. Now, there's Det Zempen. Because getting into debt is a lot more fun than getting out. This commercial was created entirely from stock footage and actors have no idea how they are being portrayed.