Sponsor/Ad Voice
Appearances
The Ramsey Show
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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 for so you can manage your transactions with peace of mind.
The Ramsey Show
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
I still remember 10 years ago, 23 years old, I was frustrated, anxious, and flat broke. I had followed all the ways that toxic money culture had led me down from well-meaning parents and misguided guidance counselors, and it left me with a pile of debt. But I'm telling you, it doesn't have to stay that way. Over a decade, I went from broke to millionaire.
The Ramsey Show
If You Want to Build Wealth, Stop Acting Like Everyone Else
and I break it all down in my new book, Breaking Free from Broke. I'm going to show you just how toxic this money system is and how you can break free from credit scores and credit cards and student loans and auto loans and investing traps and finally live a life that you're not exhausted by, a life with more margin, more options, and more peace.
The Ramsey Show
If You Want to Build Wealth, Stop Acting Like Everyone Else
If you want to check out the book, go to ramsaysolutions.com to get your copy of Breaking Free from Broke. That's ramsaysolutions.com.
The Ramsey Show
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
Get tickets today at ramseysolutions.com slash events.
The Ramsey Show
If You Want to Build Wealth, Stop Acting Like Everyone Else
All the questions. All the things.
The Ramsey Show
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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
If You Want to Build Wealth, Stop Acting Like Everyone Else
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.