Sponsor
Appearances
Decoder with Nilay Patel
Disney Is a Tech Company?
Support for this show comes from Mercury. Business finances are complex and the solution isn't what you think. It's not another tool or even a secret. It's the bank account. The one thing every business needs. Mercury simplifies your financial operations with powerful banking, corporate credit cards, bill pay, invoicing, and more all in one place. Apply in minutes at mercury.com.
Decoder with Nilay Patel
Disney Is a Tech Company?
It eliminates guesswork, giving you complete and accurate visibility into your business finances. All from one account. Apply in minutes at mercury.com.
Morbid
Episode 642: Rodney Alcala: The Dating Game Killer (Part 2)
In the 1980s, a rosé swept the country. Hey, Mike, I really like this White Zinfandel. Well, good, good. Now put it down. I'm going to try another one. White Zin became America's top-selling wine. But most don't know that this sweet drink has a sour history. What began in 1986 with counterfeit bottles… A big fraud. A multi-million dollar fraud.
Morbid
Episode 642: Rodney Alcala: The Dating Game Killer (Part 2)
sent investigators chasing one of the most powerful families in the business, the Lichardis. But the closer the feds got to them, the more dangerous things became. It's a story of deceit. At the time, I was paranoid. Threats.
Morbid
Episode 642: Rodney Alcala: The Dating Game Killer (Part 2)
and murder. With a .22 caliber bullet to the head. What started with a scheme to mislabel wine spilled into a blood-soaked battle for succession. Welcome to Blood Vines. You can binge listen to Blood Vines exclusively and ad-free on Wondery Plus. Join Wondery Plus in the Wondery app, Apple Podcasts, or Spotify.
MrBallen Podcast: Strange, Dark & Mysterious Stories
You Can't Hide Here (PODCAST EXCLUSIVE EPISODE)
calling all dog owners. Your furry friend deserves top-notch nourishment, and Ollie delivers the clean, fresh nutrition your dog needs in five flavors they'll absolutely flip over. Ollie is made in U.S. kitchens, with ingredients carefully sourced from trusted growers and producers around the world, with absolutely no harmful fillers or preservatives.
MrBallen Podcast: Strange, Dark & Mysterious Stories
You Can't Hide Here (PODCAST EXCLUSIVE EPISODE)
With protein-first recipes like fresh beef with sweet potatoes, fresh turkey with blueberries, or fresh lamb with cranberries, you might start thinking, dang, my dog eats better than I do. And that's probably true when it comes to Ollie. Give your pup a fresh start this new year by letting them taste test a personalized meal plan with Ollie. Head to Ollie.com slash Wondery.
MrBallen Podcast: Strange, Dark & Mysterious Stories
You Can't Hide Here (PODCAST EXCLUSIVE EPISODE)
Tell them all about your dog and use code WONDERY to get 60% off your first box of meals when you subscribe today. Plus, they offer a clean bowl guarantee on the first box. So if you're not completely satisfied, you'll get your money back. That's O-L-L-I-E dot com slash Wondery. And enter code Wondery to get 60% off your first box. Start your dog's new year off right with Ollie.
MrBallen Podcast: Strange, Dark & Mysterious Stories
You Can't Hide Here (PODCAST EXCLUSIVE EPISODE)
Start your dog's new year off right with Ollie.
Savage Lovecast
Savage Lovecast Episode 937
You're listening to the micro version of the Savage Lovecast at savage.love.
Savage Lovecast
Savage Lovecast Episode 937
Hey, Left Cast listeners. Gently, I ask of you, have you thought about improving your website? No, no, it looks really good. It's just some of the links don't work and the fonts don't match. And I was thinking maybe it's time for an upgrade, you know? And while you're at it, why not use Squarespace? Start a completely personalized website with the new guided design system, Squarespace Blueprint.
Savage Lovecast
Savage Lovecast Episode 937
You choose from professionally curated layout and styling options to build your own online presence with your own special sauce and optimized for every device. Easily launch your website and get discovered fast with integrated, optimized SEO tools so you show up more often to more people and grow the way you want.
Savage Lovecast
Savage Lovecast Episode 937
And you can sell exclusive content on your site by adding a paywall to sell memberships or courses or sell files your customers can download like PDFs, music, or e-books. Make checkout seamless for your customers with simple payment tools. Accept credit cards, PayPal, and Apple Pay. And in eligible countries, offer customers the option to buy now and pay later with Afterpay and Clearpay.
Savage Lovecast
Savage Lovecast Episode 937
It's easy. It's not a problem. And it'll work and look better. Head on over to squarespace.com for a free trial. And when you're ready to launch, go to squarespace.com slash savage and use the offer code savage to save 10% off your first purchase of a website or domain. That's squarespace.com slash savage and use the offer code savage.
Savage Lovecast
Savage Lovecast Episode 937
This episode of the Lovecast is brought to you by the good folks at Squarespace. They make it easy to build a beautiful website, blog, or online store. Head on over to squarespace.com slash savage for a free trial. And when you're ready to launch, use the offer code savage to save 10% off your first purchase of a website or domain.
Savage Lovecast
Savage Lovecast Episode 953
You can save every day by shopping at Whole Foods Market. Seriously, don't just go for their big sales. Walk the store and see the savings for yourself. In the seafood department, look for the yellow low price sign on Whole Foods Market responsibly farmed salmon. This fish is perfect for the grill. Buttery, fatty, yet lean, nice thick fillets. I'm getting hungry just thinking about it.
Savage Lovecast
Savage Lovecast Episode 953
And I know I can get it at a great price. There are so many ways to save at Whole Foods Market. Now you know.
Shawn Ryan Show
#153 Kris Paronto - Inside the 13-Hour Benghazi Gunfight and the Hillary-Obama Cover-Up
This episode is brought to you by MeUndies. While MeUndies can't totally help your love life this Valentine's Day, they can offer you insanely comfy undies and loungewear to buy or gift. MeUndies has so many awesome Valentine's Day prints and styles. Plus, you can match with your partner, friends, or even your pets.
Shawn Ryan Show
#153 Kris Paronto - Inside the 13-Hour Benghazi Gunfight and the Hillary-Obama Cover-Up
It was his first trip.
Shawn Ryan Show
#153 Kris Paronto - Inside the 13-Hour Benghazi Gunfight and the Hillary-Obama Cover-Up
This Valentine's Day, give the gift that'll keep them thinking of you and score huge site-wide savings at MeUndies.com. That's MeUndies.com. MeUndies. Comfort from the outside in.
Shawn Ryan Show
Peak Points | "I Was Covered in Blood" - Terrifying Moments as a Police Officer
Oh, it's such a clutch off-season pickup, Dave. I was worried we'd bring back the same team. I meant those blackout motorized shades. Blinds.com made it crazy affordable to replace our old blinds. Hard to install? No, it's easy. I installed these and then got some from my mom. She talked to a design consultant for free and scheduled a professional measure and install. Hall of Fame son.
Shawn Ryan Show
Peak Points | "I Was Covered in Blood" - Terrifying Moments as a Police Officer
Yeah.
Shawn Ryan Show
Peak Points | "I Was Covered in Blood" - Terrifying Moments as a Police Officer
They're the number one online retailer of custom window coverings in the world. Blinds.com is the GOAT.
Shawn Ryan Show
Peak Points | "I Was Covered in Blood" - Terrifying Moments as a Police Officer
Yeah.
Shawn Ryan Show
Peak Points | "I Was Covered in Blood" - Terrifying Moments as a Police Officer
Shop Blinds.com right now and get up to 45% off select styles, plus a professional measure. Rules and restrictions may apply.
Shawn Ryan Show
Peak Points | "I Was Covered in Blood" - Terrifying Moments as a Police Officer
Yeah.
Shawn Ryan Show
Peak Points | "I Was Covered in Blood" - Terrifying Moments as a Police Officer
Yeah.
Shawn Ryan Show
Peak Points | "I Was Covered in Blood" - Terrifying Moments as a Police Officer
Yeah.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
Das ist eine Nachricht vom Sponsor Intuit TurboTax. So like there was a time that, and I'll tell you who this person is that I admired, and I said, that'd be a great career for me. Ryan Seacrest. Hahaha.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
The Dan Levitard Show with Stu Gatz is sponsored by BetterHelp. Who's in your support system and how have they changed your life? Think about your favorite leaders, mentors, idols. They don't all have the answers, but they do know when to ask for help. In a world that glorifies hyper-independence, we sometimes forget that we thrive with support.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
We're stronger, healthier and more resilient when we have people to lean on. Therapie ist einer der besten Wege, um dieses Unterstützungssystem zu bauen. Es hilft mit positiven Behandlungsmöglichkeiten, setzt Grenzen und wird die beste Version von sich selbst. Hier ist die Sache. Therapie ist nicht nur für diejenigen, die eine große Trauma erlebt haben. Es ist für jeden.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
Ob du eine große Lebenstransition befindest, überwältigt fühlst oder einfach wachsen willst, kann Therapie helfen. Das ist, wo BetterHelp kommt. Mit über 30.000 kredentialen Therapeuten kannst du jemanden finden, der dich wirklich versteht. Es ist völlig online, um Therapie zu machen, die verfügbar, verfügbar und komfortabel ist.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
Keine Wartezimmer, keine langen Reisen, nur den Unterstützung, den du brauchst. Whenever and wherever you need it. And by the way, if you ever feel like switching therapists, it's no cost to you whatsoever. Build your support system with BetterHelp. Visit betterhelp.com slash DLB today to get 10% off your first month. That's betterhelp, H-E-L-P dot com slash DLB.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
The Dan Levitard Show with Stu Gatz is sponsored by BetterHelp. Who's in your support system and how have they changed your life? Think about your favorite leaders, mentors, idols. They don't all have the answers, but they do know when to ask for help. In a world that glorifies hyper-independence, we sometimes forget that we thrive with support.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
We're stronger, healthier and more resilient when we have people to lean on. Therapy is one of the best ways to build that support system. It helps with positive coping skills, setting boundaries and becoming the best version of yourself. Here's the thing. Therapy isn't just for those who've experienced major trauma. It's for everybody.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
Whether you're facing a big life transition, feeling overwhelmed or just want to grow, therapy can help. That's where BetterHelp comes in. With over 30,000 credentialed therapists, you can find somebody who truly understands you. It's fully online, making therapy accessible, affordable and convenient. No waiting rooms, no long commutes, just the support you need. Whenever and wherever you need it.
The Dan Le Batard Show with Stugotz
Local Hour: The Demi Lovatbros
And by the way, if you ever feel like switching therapists, it's no cost to you whatsoever. Build your support system with BetterHelp. Visit betterhelp.com slash dlb today to get 10% off your first month. That's betterhelp.com slash dlb.
The Let Them Theory | The Messy Podcast
S2 EP2 | Life Isn’t Fair – And That’s Okay | The Let Them Theory by Mel Robbins
ServiceNow supports your business transformation with the AI platform. Everyone talks about AI, but AI is only as powerful as the platform on which it is built. Let AI work for everyone. Eliminate the friction and frustration of your employees and use the full potential of your developers. With intelligent tools for your service to inspire customers. All this on a single platform.
The Let Them Theory | The Messy Podcast
S2 EP2 | Life Isn’t Fair – And That’s Okay | The Let Them Theory by Mel Robbins
That's why the world works with ServiceNow. More at servicenow.de slash AI for people.
The Let Them Theory | The Messy Podcast
S2 EP2 | Life Isn’t Fair – And That’s Okay | The Let Them Theory by Mel Robbins
Yes.
The Let Them Theory | The Messy Podcast
S2 EP2 | Life Isn’t Fair – And That’s Okay | The Let Them Theory by Mel Robbins
It's a good one.
The MeidasTouch Podcast
MeidasTouch Full Podcast - 4/25/25
If there's a surefire way to wake up feeling fresh after a night of drinking, it's with pre-alcohol. ZBiotics pre-alcohol probiotic drink is the world's first genetically engineered probiotic. It was invented by PhD scientists to tackle rough mornings after drinking. Here's how it works. When you drink, alcohol gets converted into a toxic byproduct in the gut.
The MeidasTouch Podcast
MeidasTouch Full Podcast - 4/25/25
It's this byproduct, not dehydration, that's to blame for your rough next day. Pre-alcohol produces an enzyme to break this byproduct down. Just remember to make pre-alcohol your first drink of the night. Drink responsibly and you'll feel your best tomorrow. Every time I have pre-alcohol before drinks, I notice a difference the next day.
The MeidasTouch Podcast
MeidasTouch Full Podcast - 4/25/25
Even after a night out, I can confidently plan on having a great next day without worrying. Look, I won't lie, I was a bit on the fence about pre-alcohol initially, but then while hanging out with some friends over at our local brewery, I gave it a shot, and believe me, it's the real deal.
The MeidasTouch Podcast
MeidasTouch Full Podcast - 4/25/25
When I first gave pre-alcohol a try months ago, I was at a wedding, I drank it before my first martini, and you wouldn't believe how on top of my game I felt the very next morning. This March Madness, don't let anything sideline your celebrations. Grab pre-alcohol before you go out and be ready to cheer on your team all day and night long.
The MeidasTouch Podcast
MeidasTouch Full Podcast - 4/25/25
Go to zbiotics.com slash Midas to learn more and get 15% off your first order when you use Midas at checkout. Z Biotics is backed with a 100% money back guarantee. So if you're unsatisfied for any reason, they'll refund your money. No questions asked. Remember, head to zbiotics.com slash Midas and use code Midas at checkout for 15% off.
The MeidasTouch Podcast
MeidasTouch Full Podcast - 4/25/25
Can't get enough Midas? Check out the Midas Plus sub stack for ad-free articles, reports, podcasts, daily recaps from Ron Filipkowski, and more. Sign up for free now at MidasPlus.com.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
We'll be right back. And NetSuite by Oracle offers AI-powered tools that help small businesses improve efficiency and make smarter decisions by bringing all their major business processes into one platform. That way there's one source of truth for the real-time data you need to take advantage of opportunities.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Then you can forecast better, scale more efficiently, and streamline those manual tasks that take too long. So join the more than 41,000 businesses, including Ramsey Solutions, that rely on NetSuite to help tackle some of their biggest challenges. And right now, you can download the CFO's guide to AI and machine learning at netsuite.com slash Ramsey. That's free at netsuite.com slash Ramsey.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
You spent years trying to get everything just right for your family. Now you need an easy way to make sure your important financial documents are as organized as the rest of your house. Well, good news. Knockbox, that's N-O-K-Box, as in next of kin box, is a complete system that helps you be sure that you leave happy memories, not a mess, when you pass away.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Knockbox is a simple way to organize important paper and digital documents, IDs, tax returns, insurance policies, estate plans, accounts, and other personal history in one manageable place. Your family will feel your love in every detail you take care of. So start taking care of them at knockbox.com slash Ramsey. A well-organized legacy is a gift to your family. That's knockbox.com slash Ramsey.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Rachel, do you ever get these sketchy text messages that are like, hey, you need to update your address and verify so we can get you the package you didn't order?
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Yes, I have, George. Sketchy and never trust them.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
And that's why we recommend Delete.me. They help with that.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Yeah, they do. Delete.me actually goes in and removes your information from data broker websites. And it is an incredible service that everyone needs.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
And there's a lot of shady companies out there that solely exist to sell your personal data to bad guys. And that means your info, like your email address, your home address, your kids' names, your name, everything is just out there for scammers and spammers to find.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
But Delete.me will delete your data, hence the name. It's gone. They'll wipe it out for you so you can sleep easy.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
That's right. And then once they remove your information, then they're going to send you a detailed report telling you where they found your information, when they removed it, how many hours they've saved you. I mean, it is incredible. So detailed and it's beautiful.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Get this. So far, they've reviewed 27,000 listings on my behalf, removed me from 240 data broker sites and saved me 77 hours of time. It's incredible.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Absolutely amazing. And Winston and I now get fewer texts, weird emails, spam calls, all of it.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
I love it. So you got to be sure to check them out. Ramsey fans get 20% off their annual plans. Just go to joindeleteeme.com slash Ramsey. That comes up to less than nine bucks a month. Super affordable.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Again, that's joindeleteeme.com slash Ramsey. Make sure to check it out, you guys.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Hey guys, Rachel Cruz here. All right, I'm about to say what everyone already knows, but budgeting is a good thing to do. Now actually starting, well, that's where people freeze up. And you guys, it doesn't have to be that way. With the EveryDollar budgeting app, getting started is super easy and so is sticking to it. We'll see you next time.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
You'll know what's coming in, what's going out, and what's left over for some fun. Because let's be real, you need some fun in your budget. Every dollar keeps budgeting simple and stress-free, just the way you want it. So go download the app for free and get started today. Again, go download EveryDollar today.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
As moms, we have enough stuff that we're juggling without pacing through a huge grocery store for hours and paying premiums for name brands. That's why you need to try Aldi. Aldi makes shopping for groceries more affordable, saving your family nearly $4,000 a year and way easier.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
They take the guesswork out of shopping with better choices like their exclusive Aldi brands so you can save money and time and focus on what really matters. So stop paying more and start shopping smarter at Aldi where you'll save with the lowest prices of any national grocery store. Find a store near you today at Aldi.us. That's A-L-D-I dot U-S.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
What if one night could change your future? You don't have to stay trapped in the same old patterns that have left you stuck in your money, relationships, and your life. You can break the cycles that have kept you from moving forward. Dr. John Deloney and I will show you how live the Money and Relationships Tour is starting this week.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Join us in Louisville, Durham, Atlanta, Phoenix, Fort Worth, or Kansas City. It's down to the wire, so grab your tickets at ramseysolutions.com slash tour. That's ramseysolutions.com slash tour.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
All right, let's cut to the chase. It's easy to get discouraged about crazy house prices and interest rates. But when you have the right real estate agent to help you buy and sell the right way, you'll have confidence to make smart decisions. Ramsey Trusted Agents aren't just experts who guide you through buying or selling.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
They're people you can trust to have your back from the first call to closing day. Find a Ramsey-trusted agent near you at RamseySolutions.com. That's RamseySolutions.com.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Hey, what are you still doing here? You know the rest of the show is happening on the Ramsey Network app, right? So you got to jump over there to continue watching. You can download it for free. Just go to your app store, type in Ramsey Network. It's completely free. And I'll drop a link in the show notes to make it easy for you. So if you're watching on the app, you're in luck.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
But if you're watching anywhere else, this show is over for you. So jump onto the app and let the fun continue. All right. Go on now. Don't make it weird. Okay, I got nowhere to go, so you need to go. Okay, bye-bye now.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Statistics show that half of Americans don't have enough life insurance or they don't have any at all. I don't understand this, John. Why don't people want to take care of their family? They think they're going to die or something?
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Me too. I mean, you're going to have a crisis here. And, you know, you got two options while you're sitting and talking to a young widow. She's concerned about how she's going to invest all this money properly and not mess this up. Or she's concerned how she's going to eat tomorrow. That's exactly right. These are the two options. Take care of your dadgum family, man.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
Brought to you by the EveryDollar app. Start budgeting for free today.
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
That's exactly what it's supposed to be. It's saying I love you to your family. Term life insurance. Jeff Zander and the team at Zander Insurance makes it easy and affordable. I've used them personally for 25 years. They're the only people I trust. Go to Zander.com or call 800-356-4282.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
People tell me about their experiences with big banks all the time, bad service fees that nickel and dime them to death and predatory lending that tries to catch them in never ending cycles of debt. So if you're ready for a bank that puts people over profits, Check out Fairwinds Credit Union.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
I recommend Fairwinds because they share our Ramsey values of helping people get out of debt and live generously. If you go to fairwinds.org slash Ramsey, you'll see the combined checking and savings account bundle they created just for Ramsey fans. This account bundle is designed to help you take control of your finances and stay out of debt.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
And Fairwinds also has a great mobile app that's safe and secure so you can manage your transactions with peace of mind. Fairwinds has been helping people avoid big bank traps for 75 years. So go to fairwinds.org slash Ramsey to learn more. It's easy to join, no matter where you live. That's F-A-I-R-W-I-N-D-S dot org slash Ramsey.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
Self-defense can be a complicated issue, but there's one solution that makes it a lot easier. A Burna launcher. Burnas look like firearms, but they're not. They're non-lethal self-defense tools. They shoot chemical irritant projectiles that stop a threat in its tracks without the fatal consequences of a gun.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
Berna launchers have been vetted by government agencies, police forces, and private security agencies worldwide, and no permits or background checks are required to buy or own one. Plus, Berna's are lightweight, easy to carry, and give you the power to protect yourself and your family, even if you're not comfortable with traditional firearms.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
Not to mention, they have more than 15,000 five-star reviews. And right now, Ramsey fans can get 10% off an exclusive bundle, which includes a Burna pistol, CO2 cartridges, and ammo. And other Burna products like safety alarms, defense sprays, and body armor are also 10% off for our listeners. Just go to Burna.com slash Dave to learn more. That's B-Y-R-N-A dot com slash Dave.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
Mortgage rates have dropped, so if you're thinking about buying a home in the next year, contact your local Churchill Mortgage team right now. If you wait, more people will be in the market competing for the same homes and potentially driving up prices. Churchill will help you do the math to be sure your budget is correct, making your home a blessing. and helping you build lasting wealth.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
Learn more at churchillmortgage.com. churchillmortgage.com.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
This is a paid advertisement. NMLS ID 1591. NMLSconsumeraccess.org. Equal housing lender. 1749 Mallory Lane, Suite 100. Brentwood, Tennessee 37027.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
It's that time again, folks. Tax season is here. I know some of you would rather bury your head in the sand until April 15th than face your taxes. But here's a better idea. If your tax situation is complicated, get in touch with a Ramsey-trusted tax pro today.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
That way they can take the stress off your shoulders once those tax forms come in and teach you how to keep your tax bill as low as possible. But don't wait. Ramsey Trusted Pros can book up fast. Go to ramseysolutions.com slash taxpro to find one who serves your area with excellence. That's ramseysolutions.com slash taxpro.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
Hey, guys, I've got a big announcement. George Campbell and I are bringing back Investing Essentials, our two-night virtual event deep diving into investing and real estate. Learn step-by-step how to get the most out of your 401k, mutual funds, and real estate investments because there's no better time to get the clarity you need to invest with confidence. Watch live on March 4th and 5th.
The Ramsey Show
Building Wealth Happens One Baby Step at a Time
Get tickets today at ramseysolutions.com slash events.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
This show is sponsored by BetterHelp. All right, you've heard me say it a thousand times, and I'm gonna keep saying it. You're worth being well. And listen, therapy can help. I see a therapist, and let's be honest, a lot of you should too. But let's be real, taking that first step to see a therapist can feel overwhelming. Maybe it's the time.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
Maybe you have some preconceived notions about therapy. Maybe it's the cost. But we spend money on gym memberships, organic groceries, essential oils, Little League practices, tracker watches. But for some reason, when it comes to our mental and emotional well-being, we hesitate. Your mental and emotional health are just as important as your physical health. And the good news?
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
BetterHelp makes therapy more affordable and convenient than ever. It's online so you can talk with your therapist when it works for your schedule. No more waiting rooms, no long commutes, and no six-month waiting lists. You just get online and fill out a short survey to get matched with a licensed therapist. And if it's not the right fit, you can switch at any time for no extra cost.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
Your well-being is worth it. Visit BetterHelp.com slash Deloney to get started. That's BetterHelp, H-E-L-P dot com slash Deloney.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
All right, Dave, you have some strong opinions.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
Yeah, I think so. Okay, because you really prefer credit unions over big banks.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
Yeah, absolutely. And I love it. The things that we teach, they so line up with. And you're right, their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user friendly, like the step by step approach was unbelievable. And then the next day my phone rings and it says Fairwinds on my phone.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
So I answered it and talked to someone there and they said, yeah, they give calls to every new customer. And so again, they just really care about your experience. And I so, so appreciate that. Plus anything that you can do at a traditional branch, you can do with them at fairwinds.org or on their app. And you'll have free access to over 33,000 ATMs.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
Hey, you guys, health insurance costs are only moving one way, and that way isn't down. 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.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
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. CHM has also helped them stay true to their values and avoid miles of red tape. And CHM's support goes far beyond meeting financial needs. They also help meet spiritual needs.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
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 a better way to take care of healthcare 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.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
Okay, you guys, 54% of Americans say it's a challenge to save on groceries without sacrificing quality. That's why I'm thrilled to tell you about Aldi. Aldi gives you simpler, better food choices that can save your family nearly $4,000 a year. From the daily essentials to organic produce, fresh meat, and more, Aldi has what you need at prices that won't bust your budget.
The Ramsey Show
Don’t Throw Away Your Long-Term Security for Quick Fixes
So stop paying more and start shopping smarter at Aldi, where you'll save with the lowest prices of any national grocery store. Find a store near you today at Aldi.us. That's A-L-D-I dot U-S.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
You shouldn't own a gun. You're not willing to shoot. In moments of self-defense, a Berna launcher lets you protect yourself in a non-lethal way. That's exactly why Berna launchers were created. Everyone from parents and nurses to pastors and even special forces veterans rely on Berna to protect themselves and their families. I own several Bernas myself. They look like guns, but they're not.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
They shoot a 68 caliber round kinetic or chemical irritant projectile that can disable a threat from up to 60 feet away. And they're powered by compressed CO2 cartridges, so they're classified with paintball and airsoft guns. But they're more powerful than those for increased protection. Not to mention, Burna launchers are legal in all 50 states with no permits required.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
And because they're not firearms, they can be shipped directly to your door. Plus, Ramsey fans can get 10% off an exclusive bundle, which includes a Burna pistol, CO2 cartridges, and ammo. And other Burna products like safety alarms, defense sprays, and body armor are also 10% off for our listeners. Just go to berna.com slash Dave to learn more. That's B-Y-R-N-A dot com slash Dave.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Hey, you guys, I'm not a fan of the big banks, and you probably already know which ones I mean. But I do like credit unions because they're nonprofit organizations that focus on their members. And I'm proud to endorse Fairwinds Credit Union because they share the Ramsey mission of helping people get out of debt. and live generously.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
In fact, they design products to help keep you from going into debt in the first place. Fairwinds has been in business for over 75 years and they serve hundreds of thousands of members worldwide. You can feel secure because your deposits are federally insured. by the NCUA up to $250,000. It's easy to join and Fairwinds partners with more than 5,000 credit union locations around the country.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
So you can bank in person wherever you live. But if you prefer the online experience, you can log on to Fairwinds and do anything you could do at a physical location. So go to fairwinds.org slash Ramsey to learn more. And while you're there, Look at the combined checking and savings account bundle they created just for Ramsey fans to help you take control of your finances.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
That's Fairwinds, F-A-I-R-W-I-N-D-S dot org slash Ramsey.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Running a business is freaking hard. It's easy to get caught up in the daily challenges and fears that keep you stuck. That's why I want you to reserve your copy of our new book, Build a Business You Love, where we share the proven system that helped us break through those challenges and build Ramsey Solutions from a card table in my living room to a $250 million company in the process.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
When you pre-order today, you're going to get more than $350 in bonuses for free, including an enhanced audiobook experience, early access to the Build a Business You Love eBook, and instant access to our hiring playbook, so you can start transforming your business right now. Build a business you love.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
The essential guide for every business owner like you that wants to grow yourself, lead your team, and scale your business. To reserve your copy, go to RamseySolutions.com slash store. RamseySolutions.com slash store.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Hey, guys, I've got a big announcement. George Campbell and I are bringing back Investing Essentials, our two-night virtual event deep diving into investing and real estate. Learn step-by-step how to get the most out of your 401k, mutual funds, and real estate investments because there's no better time to get the clarity you need to invest with confidence. Watch live on March 4th and 5th.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Get tickets today at ramseysolutions.com slash events.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
Hey, listen up. Everyone is at risk of identity theft. I don't care if you're a hermit living off the grid listening to the show on a battery-powered radio. All of your data collected by every company you've ever done business with lives online. Your bank, your doctor's office, retailers, the apps on your phone, the gas station where you have loyalty rewards.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
They all store your info online, making them ripe for a cyber attack or data breach. That's why I've been telling people for almost 25 years they need an ID theft protection plan, and the only one I've ever recommended is from Zander Insurance. They monitor your personal and financial info, even your home title, and take over the work if you become a victim.
The Ramsey Show
The Key to Transformation Is Admitting You Have a Problem
It's the most thorough and affordable plan out there. I even have it for my family and our entire team. Visit Zander.com or call 800-356-4282.
The Ramsey Show
Don't Chase Money, Chase Freedom
Hey, you guys, health insurance costs are only moving one way, and that way isn't down. 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.
The Ramsey Show
Don't Chase Money, Chase Freedom
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.
The Ramsey Show
Don't Chase Money, Chase Freedom
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 healthcare 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.
The Ramsey Show
Don't Chase Money, Chase Freedom
You spent years trying to get everything just right for your family. Now you need an easy way to make sure your important financial documents are as organized as the rest of your house. Well, good news. Knockbox, that's N-O-K box, as in next of kin box, is a complete system that helps you be sure that you leave happy memories, not a mess, when you pass away.
The Ramsey Show
Don't Chase Money, Chase Freedom
Knockbox is a simple way to organize important paper and digital documents, IDs, tax returns, insurance policies, estate plans, accounts, and other personal history in one manageable place. Your family will feel your love in every detail you take care of. So start taking care of them at knockbox.com slash Ramsey. A well-organized legacy is a gift to your family. That's knockbox.com slash Ramsey.
The Ramsey Show
Don't Chase Money, Chase Freedom
I think so. Okay, because you really prefer credit unions over big banks. So why is that?
The Ramsey Show
Don't Chase Money, Chase Freedom
Yes. Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.
The Ramsey Show
Don't Chase Money, Chase Freedom
Yeah, absolutely. And you're right, their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding, it took less than five minutes. It was so user-friendly, like the step-by-step approach was unbelievable. And then the next day my phone rings and it says Fairwinds on my phone.
The Ramsey Show
Don't Chase Money, Chase Freedom
So I answered it and talked to someone there and they said, yeah, they give calls to every new customer. And so again, they just really care about your experience. And I so, so appreciate that. So again, you guys, I know it can be a pain to switch banks or to open up new accounts, but Fairwinds, again, they make it so easy.
The Ramsey Show
Don't Chase Money, Chase Freedom
Plus anything that you can do at a traditional branch, you can do with them at fairwinds.org or on their app. And you'll have free access to over 33,000 ATMs.
The Ramsey Show
Don't Chase Money, Chase Freedom
Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey to learn more. That's F-A-I-R-W-I-N-D-S dot org slash Ramsey.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
This show is sponsored by BetterHelp. Hey, everyone. Listen, we all have stories, the family and cultural stories that we were born into, the stories of the things that have happened to us, both the good stuff and the challenging stuff. And we have those stories that we constantly tell ourselves.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
And none of us can go back and change any of our old stories, but the world is waiting to see what each of us is going to write next. As we enter 2025, I encourage you to examine your old stories and be intentional about the new stories that you're going to write. And I'm not talking about making goals that are going to be long gone by February.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
I'm talking about writing new stories that will change your life and the lives of those you love for the better forever. And if you're like me, therapy can be a great place to explore the old stories and heal from them and begin writing new ones. If you're thinking about starting therapy, I want you to consider my friends at BetterHelp.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
BetterHelp is 100% online therapy, and you can talk with your therapist when it works for your schedule. You just fill out a short online survey to get matched with a licensed therapist, and you can switch at any time for no extra cost. So start writing a new story this month with BetterHelp. Visit BetterHelp.com slash Deloney to get 10% off your first month.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
That's BetterHelp, H-E-L-P dot com slash Deloney.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
What does the future hold for business? Ask nine experts and you'll get 10 different answers. Economic growth or a recession. Business taxes will go up or down. AI will help us work or it will replace us all. But there's no such thing as a crystal ball.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
That's why more than 40,000 businesses have future-proofed themselves with NetSuite by Oracle, the number one cloud enterprise resource planning system. Ramsey Solutions uses NetSuite, and you should too. Whether your company's earning millions or even hundreds of millions, NetSuite helps you respond to immediate challenges and seize your biggest opportunities.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
With one unified business management suite, there's only one source of truth for the visibility and control you need to make quick decisions. NetSuite's real-time insights and forecasting help you see into the future with actionable data. And when you're closing the books in days, not weeks, you can spend less time looking backward and more time focusing on what's next.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
And speaking of what's next, download the CFO's Guide to AI and Machine Learning at netsuite.com slash ramsey. It's free at netsuite.com slash ramsey.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Mortgage rates have dropped, so if you're thinking about buying a home in the next year, contact your local Churchill Mortgage team right now. If you wait, more people will be in the market competing for the same homes and potentially driving up prices. Churchill will help you do the math to be sure your budget is correct, making your home a blessing. and helping you build lasting wealth.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Learn more at churchillmortgage.com. churchillmortgage.com.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
This is a paid advertisement. NMLS ID 1591. NMLSconsumeraccess.org. Equal housing lender. 1749 Mallory Lane, Suite 100. Brentwood, Tennessee 37027.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
It's that time again, folks. Tax season is here. I know some of you would rather bury your head in the sand until April 15th than face your taxes. But here's a better idea. If your tax situation is complicated, get in touch with a Ramsey Trusted Tax Pro today.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
That way they can take the stress off your shoulders once those tax forms come in and teach you how to keep your tax bill as low as possible. But don't wait. Ramsey Trusted Pros can book up fast. Go to RamseySolutions.com slash TaxPro to find one who serves your area with excellence. That's RamseySolutions.com slash TaxPro.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
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. Most people are concerned about price, but term life rates have never been lower. Having 10 to 12 times your income on a 15 or 20 year plan is in many cases just plain cheap.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
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.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
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. Hey guys, I've got a big announcement. George Campbell and I are bringing back Investing Essentials, our two-night virtual event deep diving into investing and real estate.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Learn step-by-step how to get the most out of your 401k, mutual funds, and real estate investments because there's no better time to get the clarity you need to invest with confidence. Watch live on March 4th and 5th. Get tickets today at ramseysolutions.com slash events.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Taking care of your health doesn't have to cost a fortune. That's why Field of Greens is in my house. Field of Greens is made from fruits and veggies selected by doctors to support your heart, liver, kidneys, and metabolism. And here's the best part. They're so confident your doctor will notice your improved health, they offer a money-back guarantee, no questions asked.
The Ramsey Show
Normal Is Broke and in Debt. Do You Want To Be Normal?
Try today and get 15% off at fieldofgreens.com slash Ramsey, promo code Ramsey, fieldofgreens.com slash Ramsey.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
You know, one of the first things I discovered working in the financial world is how absolutely devastating it is when the breadwinner of a family dies. and there's too little life insurance or none at all. Grieving families are suddenly left behind scrambling to pay bills and trying to make ends meet.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
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 Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
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.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
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.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Taking care of your health doesn't have to cost a fortune. That's why Field of Greens is in my house. Field of Greens is made from fruits and veggies selected by doctors to support your heart, liver, kidneys, and metabolism. And here's the best part. They're so confident your doctor will notice your improved health, they offer a money-back guarantee, no questions asked.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Try today and get 15% off at fieldofgreens.com slash Ramsey. Promo code Ramsey. fieldofgreens.com slash Ramsey.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
What does the future hold for business? Ask nine experts and you'll get 10 different answers. Economic growth or a recession. Business taxes will go up or down. AI will help us work or it will replace us all. But there's no such thing as a crystal ball.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
That's why more than 40,000 businesses have future-proofed themselves with NetSuite by Oracle, the number one cloud enterprise resource planning system. Ramsey Solutions uses NetSuite, and you should too. Whether your company's earning millions or even hundreds of millions, NetSuite helps you respond to immediate challenges and seize your biggest opportunities.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
With one unified business management suite, there's only one source of truth for the visibility and control you need to make quick decisions. NetSuite's real-time insights and forecasting help you see into the future with actionable data. And when you're closing the books in days, not weeks, you can spend less time looking backward and more time focusing on what's next.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
And speaking of what's next, download the CFO's Guide to AI and Machine Learning at netsuite.com slash ramsey. It's free at netsuite.com slash ramsey.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Listen, people, what you call organized chaos is still chaos. This year, build some room in your budget to get your life really organized. One tool that I recommend is a knockbox, as in next of kin. Knockbox is a complete system that helps you organize important documents, accounts, and IDs, tax returns, insurance policies, estate plans, and other personal history in one secure place.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
The 15 categories in your knockbox cover everything from health history and investments to your ancestry and even collectibles. So cut the clutter with a knockbox. Start getting organized today and receive an exclusive discount at knockbox.com slash Ramsey. That's knockbox.com slash Ramsey.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
If your holiday ham tends to last longer than your New Year's resolutions, then I got a fresh challenge for you. Make this the year you take control of your financial future with an actionable plan. Sound intimidating? You don't have to do it alone.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
SmartVestor pros are financial advisors who can walk you through what you need to know about retirement planning, wealth management, and anything in between. Find a pro near you at RamseySolutions.com slash SmartVestor. Ramsey Solutions is a paid, non-client promoter of participating pros.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
People tell me about their experiences with big banks all the time. Bad service, fees that nickel and dime them to death, and predatory lending that tries to catch them in never-ending cycles of debt. So if you're ready for a bank that puts people over profits, check out Fairwinds Credit Union. I recommend Fairwinds because they share our Ramsey values of helping people
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Get out of debt and live generously. If you go to fairwinds.org slash Ramsey, you'll see the combined checking and savings account bundle they created just for Ramsey fans. This account bundle is designed to help you take control of your finances and stay out of debt. And Fairwinds also has a great mobile app that's safe and secure that so you can manage your transactions with peace of mind.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
Fairwinds has been helping people avoid big bank traps for 75 years. So go to fairwinds.org slash Ramsey to learn more. It's easy to join, no matter where you live. That's F-A-I-R-W-I-N-D-S dot org slash Ramsey. Hey, Dave Ramsey here. Dr. John Deloney and I are coming to a city near you on the Money and Relationships Tour.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
You, the audience, will vote to choose the topics we talk about, things that impact your life, like investing in your future, money, stress, and marriage, and more. We're coming to Louisville, Durham, Atlanta, Kansas City, Fort Worth, and Phoenix in April and May 2025. Tickets are at their lowest price right now. Grab yours at ramseysolutions.com slash tours.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
You know how when you go against what society thinks is, quote, normal, like avoiding debt, it feels weird at first? Well, I'm here to tell you that is okay. I want you to be weird if that means you're being intentional, including how you budget. And one way to be intentional about how you spend your health care dollars is with Christian health care ministries. CHM isn't health insurance.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
They're a biblically-based alternative. CHM is a health cost-sharing ministry that's helped hundreds of thousands of families take care of healthcare costs without sacrificing their freedom. As a CHM member, you'll share 100% of your eligible healthcare costs with a dedicated Christian community. And in return, your monthly contribution goes towards other members' medical costs.
The Ramsey Show
Be Prepared: Math Doesn’t Care About Your Life Situations
So no matter where you are in your financial journey, CHM can help you reach your money goals and still get the care you need. Plus, programs start as low as $98 a month. So go to chministries.org slash budget to find out more. That's chministries.org slash budget.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
When you go through a job loss or job change and lose your employer-sponsored health insurance, there's no better time to try Christian Healthcare Ministries. That's right. There's another option besides COBRA to take care of your family during that time. Because if you didn't know, the cost of COBRA has gone up a lot in the past few years.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
And CHM is an affordable, biblically-based alternative to health insurance. So do your own research. CHM is a great option that's potentially a third of the price of COBRA. It's 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.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
And the support you get from CHM goes beyond helping you pay for medical bills. Members become part of a family that prays for them when they have a medical event. Try getting that with Cobra. So if you're going through a job loss, life change, or just want to explore other options to save on healthcare, CHM might be perfect for you. CHM programs start as low as $98 a month.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
So find out more at chministries.org slash budget at chministries.org slash budget.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
There's a time in your life and the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Churchill is Ramsey trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense. Now it's extra money in your pocket.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
and an asset towards turning you into a Baby Steps millionaire. Get started on the American dream of home ownership today at churchillmortgage.com. That's churchillmortgage.com.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
statistics show that half of americans don't have enough life insurance or they don't have any at all i don't understand this john why don't people want to take care of their family they think they're going to die or something well i used to be one of those guys i didn't even think about it and one of my buddies said hey the only reason to not have life insurance is if you hate your wife and kids and i immediately went and got term life insurance
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Me too. I mean, you're going to have a crisis here. And, you know, you got two options while you're sitting and talking to a young widow. She's concerned about how she's going to invest all this money properly and not mess this up. Or she's concerned how she's going to eat tomorrow. That's right.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
These are the two options.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
That's exactly what it's supposed to be. It's saying I love you to your family. Term life insurance. Jeff Zander and the team at Zander Insurance makes it easy and affordable. I've used them personally for 25 years. They're the only people I trust. Go to Zander.com or call 800-356-4282.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
We'll be right back. And NetSuite by Oracle offers AI-powered tools that help small businesses improve efficiency and make smarter decisions by bringing all their major business processes into one platform. That way there's one source of truth for the real-time data you need to take advantage of opportunities.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Then you can forecast better, scale more efficiently, and streamline those manual tasks that take too long. So join the more than 41,000 businesses, including Ramsey Solutions, that rely on NetSuite to help tackle some of their biggest challenges. And right now, you can download the CFO's guide to AI and machine learning at netsuite.com slash Ramsey. That's free at netsuite.com slash Ramsey.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
I've been helping people get out of debt and change their lives for over 30 years. So I know change isn't always easy, but it's worth it. And here's change that's actually easy and worth it. Switching to Boost Mobile. Boost gives you nationwide 5G coverage for reliable calls and streaming, and their plans start at just $25 a month for unlimited talk, text and data with boost mobile.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
There's no junk fees, no contracts, and they offer a 30 day money back guarantee. Plus their customer service team is made up of real people, not robots. So switching is easy. So go to boost mobile.com slash Ramsey. That's boost mobile.com slash Ramsey. All right, let's cut to the chase. It's easy to get discouraged about crazy house prices and interest rates.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
But when you have the right real estate agent to help you buy and sell the right way, you'll have confidence to make smart decisions. Ramsey Trusted Agents aren't just experts who guide you through buying or selling. They're people you can trust to have your back from the first call to closing day. Find a Ramsey trusted agent near you at ramseysolutions.com slash agent.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
That's ramseysolutions.com slash agent.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Must be nice to be married.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Listen, guys, I've heard just about every excuse for why folks think they can't get ahead with money. So let's go ahead and settle this right now. You get the final say on what happens with your money. That's why you have to start telling your money where to go so you can stop wondering where it went. So if you're going to start winning with money, you have to get on a budget.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
The easiest way to get started and stick to it is with the EveryDollar budget app. It'll help you make a plan for every single dollar coming in and every single dollar going out every single month. And guess what? It's free, so no excuses. Download EveryDollar in the App Store or Google Play today.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
All right, Dave, you have some strong opinions.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Yeah, I think so. Okay, because you really prefer credit unions over big banks.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Well, credit unions, for one thing, are non-profit, which means that the members, the customers, own the credit union. So any profits that the credit union makes goes back into customer accounts. pricing. So you get better interest rate on savings, cheaper checking, and so on, that kind of thing.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
But what's more important than that, though, is the fact that the customer is the owner changes the spirit on the credit union. So I find very few credit unions that aren't very customer-centric.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
They're the right kind of people with the right kind of values. And they've done a really, really good job with customer service. And the deals that they're offering, the Ramsey tribe is incredible.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
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The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Yeah, absolutely. And I love that the things that we teach, they so line up with. And you're right, their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user-friendly. Like the step-by-step approach was unbelievable. And then the next day my phone rings and it says Fairwinds on my phone.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
So I answered it. And talked to someone there and they said, yeah, they give calls to every new customer. And so again, they just really care about your experience. And I so, so appreciate that. Plus anything that you can do at a traditional branch, you can do with them at fairwinds.org or on their app. And you'll have free access to over 33,000 ATMs.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Hey, you guys know how much I hate banks in general. And so for me to do this is a big deal. Talk to our friends at Fairwinds and check out the combined checking and savings bundle that they created just for the Ramsey tribe. You guys, it's incredible.
The Ramsey Show
Stop Messing Around & Follow the Plan That’s Proven To Work
Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey.
The Rest Is History
533. Wojtek: The Bear Who Beat the Nazis
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The Rest Is History
533. Wojtek: The Bear Who Beat the Nazis
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The Rest Is History
533. Wojtek: The Bear Who Beat the Nazis
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
But you're assuming that even that those talks were being honest about what our actual thoughts are at the moment. Like I think most people aren't even being totally clear and honest about this is a snapshot of me and what I think right now we're thinking, well, I mean, I'm going to confuse this kid that we're choosing to raise it us in the Catholic church, but,
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
half of it I think is bullshit, but I really like this part and this is why I'm taking them. Like they can't possibly handle that information. They can't possibly handle like all of these doubts and the fact that we live in this paradox where We say we believe something, but we really actually in our hearts only believe half of it.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
And so we like fix our faces to try to look as believable as possible and say the thing we think will be simple and digestible and understandable to them. And then we walk away and they're like, well, when they're older, they'll figure and navigate all the complexities. But they're navigating all the complexities now. They're wondering all those things now. So I think...
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
that having those evolving conversations are so huge, but also not putting too much pressure on yourself to have the answer for the talk or have it be simple at all. Just to be like, I don't know. It's so weird. Church is so important to me. I love it. I love the sense I feel. I love the community. I love the way it helps the poor people.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
I hate the way there's only a dude at the top and I hate the way it's whatever. And I don't believe this. And I do believe this. Like Why are we so scared of saying those things?
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
When you were saying about the poems, I was like, I've really been counting on the kingdom of God, the heaven, like a vineyard. Like, it better be a vineyard. If I find out that's some poem, I'm going to be pissed.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
He's like, you're on the list, Abby.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
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We Can Do Hard Things
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
I'm surprised by this. So I'm Googling. I was pretty sure it was always etymology.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
Yeah, I think it's like two parts. It's we accept as truth and fact and as self-evident the story that that we have internalized, we don't see that as a story. We just see that as real and anything else as this pretend story trying to make us feel better about the reality that is already inside of us. And so when you can see another story and you think, well, that's absurd.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
Peter at the bouncer of heaven, that's crazy. And then you're like, is that any more crazy than than burning fires of damnation. Like that the maker of the universe who loves us more than anything. Right, right. Sends us to. And then you start to be like, whoa, wait. So I'm choosing to believe one story is real and one is not. That's a choice. And then like, which one is serving me? Why?
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
It really is. Which one brings me joy? Which one feels like it could be more real? Then you see, oh, this is like a conscious thing.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
I, it's not to be wildly full circle, but Octavia Butler, that's why she wrote science fiction. That's why she chose that is because it was so powerful. wildly imaginative. She said, at its best, science fiction stimulates imagination and creativity. It gets reader and writer off the beaten track, off the narrow, narrow footpath of what everyone is saying, doing, thinking.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
You can remember entomology sounds like ant. Oh, that's ant bugs. Are we sure? Did you confirm? Well, I know that etymology is the study of words. Okay. All right. So good.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
whoever everyone happens to be this year. We're so on the footpath that we can't even see it as a path. We're like, this is just what we do. And then when you bring stories into it, imagination into it, crazy ideas into it, it illuminates that you were walking this path to begin with. And you're like, do I want to be here? Yeah. Do I want to be here? Hmm.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
So yes, I am all in Captain Super's story over there. I think it's a great way of doing it. You could just like touch everyone's head. You think you're not good enough? Oh, that's the story.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
There's like an alley in between.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
Yeah, that's true. But that's better than being like, well, I guess I live here now in this driveway. Option D. No kidding. Better to move the trash can. Second best option. cream the trash can and get your ass out of there. Yeah. Have you seen those videos with the little kids? They're like toddlers and the little kids are like hanging on the bars. They have like their legs up.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
They're hanging on the bars and then they're just like bawling. Yes. Because they're like I can't get down from here. I'll never get up. Like the mom comes up and like straightens their legs and they're just standing.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
I just had to tell you that.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
I know. Wow. I know. It feels bespoke. What's so wild about that, the Altadena and Butler thing, is that her whole world that she created through her fiction was... post-apocalyptic worlds. That was the point of her work.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
It's going to be really wild to go back and reread her work with like, you know, she has people who live in Altadena in her fiction and just like what that is going to mean for people who have experienced this kind of apocalyptic scenario and how to live after it.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
That was in Altadena. I mean, that was based there.
We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
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We Can Do Hard Things
Abby’s Greatest Fear & the One Gift that Freed Her
And then I had to fact check it. I had to see if I had concurring sources.
We Can Do Hard Things
What If My Partner’s Jokes Hurt My Feelings?
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We Can Do Hard Things
What If My Partner’s Jokes Hurt My Feelings?
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We Can Do Hard Things
What If My Partner’s Jokes Hurt My Feelings?
Oh, it's such a clutch off-season pickup, Dave. I was worried we'd bring back the same team. I meant those blackout motorized shades. Blinds.com made it crazy affordable to replace our old blinds. Hard to install? No, it's easy. I installed these and then got some from my mom. She talked to a design consultant for free and scheduled a professional measure and install. Hall of Fame son.
We Can Do Hard Things
What If My Partner’s Jokes Hurt My Feelings?
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What Now? with Trevor Noah
Join or Die with Robert Putnam [VIDEO]
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What Now? with Trevor Noah
Join or Die with Robert Putnam [VIDEO]
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What Now? with Trevor Noah
Join or Die with Robert Putnam [VIDEO]
This episode is brought to you by Ultra Running. Ultra makes performance running shoes that are insanely comfortable with a roomy toe box and zero to low drop. This helps keep your feet in a more natural position so you can move how you were designed to. Perfect for the road, trail, or gym. You could wear them for miles and forget that they're there. Stay out there with Ultra.
What Now? with Trevor Noah
Join or Die with Robert Putnam [VIDEO]
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