Dave Ramsey

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You know, every year I hear the same excuses for why people don't get the life insurance they need to protect their families.

So this year, let's clear the air and look at the facts.

Having 10 to 12 times your income on a 15 or 20-year plan is, in many cases, just plain cheap.

That amount of coverage lets your family keep the lights on and keep food on the table while they're grieving.

Second, life insurance through your work is not enough, especially since these plans go away if you change jobs.

You need to have your own policy so you're not without protection when your family really needs it.

Third, stay-at-home parents.

need life insurance, especially those with young kids.

People don't realize how quickly the costs add up without someone at home taking care of things.

So no more excuses, folks.

Get the protection your family needs.

Go to Zander.com or call 800-356-4282.

They've been my choice for all my insurance for over 25 years and are the only people I trust.

After the holidays, a lot of people start feeling budget pressure, and it's a wake-up call to get intentional.

So listen, don't fall for buy now, pay later cell phone plans that drag you back into debt.

Boost Mobile keeps it simple with no contracts and no nonsense.

Keep the phone you already own and pay just $25 a month forever for unlimited data, talk, and text.

That's real long-term value and real peace of mind.