Dave Ramsey

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Listen, identity theft doesn't just happen just because you're careless.

You can do everything right and still become a victim.

Whether your information is skimmed online, stolen through a scam, or exposed in a data breach, which happens every day, then it becomes your problem, your time, your money, your paperwork galore.

That's why I've told people for years to have

identity theft protection, and the only plan I've ever recommended is from Zander Insurance.

Zander monitors for signs of fraud, even home title fraud, and they send alerts when something looks off.

Most important, if something happens, you're not stuck spending hours on hold filing forms and arguing with companies trying to fix it.

Zander's dedicated restoration team steps in and does the hard work to help restore your identity.

You can even protect your kids for free on their family plan.

Go to Zander.com or call 800-356-4282 to protect yourself today.

Identity theft is everywhere.

Zander is how you fight back.

Zander.com.

Churchill Mortgage has been our trusted partner for over 30 years because they do things the Ramsey way.

A lot of people think buying a home starts with going to a bunch of open houses.

But if you're buying a home the right way, you start with a budget and a trusted guide like Churchill before you even think about house shopping.

Churchill will show you the real numbers, not what a bank will approve.

Buying before being ready is how people end up house poor and stressed out.