Dave Ramsey

If you're looking for a more budget-friendly way to save on medical costs and stay true to your values, Christian Healthcare Ministries is a great option to think about.

CHM is not health insurance.

It's a health cost-sharing ministry, a biblical, community-based way for Christians to share each other's medical bills.

That means no enrollment deadlines, and you can choose any doctor or hospital you want.

That kind of freedom is big, especially if you're self-employed, between jobs, or you just need something that fits your budget better.

CHM has been around for decades, faithfully serving the Christian community.

And many members save hundreds of dollars a month compared to traditional health insurance.

And that margin gives you breathing room when you're working the baby steps and trying to steward your money well.

And right now, CHM is offering new members a 50% credit towards their first month of membership.

Get started at chministries.org slash budgets and use promo code Ramsey.

That's chministries.org slash budget and promo code Ramsey.

Right.

When I talk to people on The Ramsey Show, 90% of the problems I hear come down to one thing, not having a plan.

They're not living on a budget.

They have no idea where their money's going.

Money is just happening to them instead of them happening to their money.

And guys, that is so normal, but it doesn't have to be normal for you.

And that's why I want you to go download our EveryDollar Budget app.

Every dollar not only helps you tell your money where to go with a budget, it also builds a plan to free up extra money so you can pay debt off faster and start building wealth.

And the best part, your plan is completely personalized to your life.