George Kamel

with Mama Bear.

So if you're serious about being an adult, do this today.

Go to MamaBearLegalForms.com, use the promo code Ramsey, and save 20% on your will.

That's MamaBearLegalForms.com, promo code Ramsey.

We'll be right back.

I also discovered that there are a lot of rip-offs in the life insurance world, like that whole life crap posing as an investment opportunity.

What you need is level term life insurance, usually 10 to 12 times your income, which is the smartest, most affordable way to protect your family.

The key is finding an independent broker who represents a ton of companies and works for you, not for the insurance company.

This is exactly what my friend Jeff Zander and his team at Zander Insurance are all about.

They shop the term life companies to find you the best options, and they've been around for over 95 years.

so you know they'll be there when you need them.

Zander is the real deal, and that's why they've handled all my personal insurance for over 25 years.

I trust them, and you can too.

Visit Zander.com for instant online quotes or for a more personal touch.

Give them a call at 800-356-4282.

When you're drowning in credit card debt and collectors start threatening lawsuits, a rep from some call center debt relief company can't protect you.

A lot of so-called debt relief programs leave people wondering, am I actually protected if I get sued?

When all you've got is a legal plan added on as an upsell, of course you feel stuck.

But Guardian isn't another debt relief company.

They're real attorneys.