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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.

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.

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.

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.

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

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

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

Thanks to Amazon Pharmacy and Amazon One Medical, healthcare just got less painful.

Thanks to Amazon Pharmacy and Amazon One Medical, healthcare just got less painful.

This episode is brought to you by Amazon Prime. From streaming to shopping, Prime helps you get more out of your passions. So whether you're a fan of true crime or prefer a nail-biting novel from time to time, with services like Prime Video, Amazon Music, and fast, free delivery, Prime makes it easy to get more out of whatever you're into or getting into.

This episode is brought to you by Amazon Prime. From streaming to shopping, Prime helps you get more out of your passions. So whether you're a fan of true crime or prefer a nail-biting novel from time to time, with services like Prime Video, Amazon Music, and fast, free delivery, Prime makes it easy to get more out of whatever you're into or getting into.