NEOS InvestmentsAnd if you've not yet voted your shares of Neos Funds, go to neosfunds.com/vote and vote your shares.
Personal Finance podcast ads
21 ads from 21 brands on Personal Finance podcasts.
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BlossomWhich is why we recommend being part of a social platform called Blossom Social. On Blossom, you're able to see your entire portfolio in a very clean and simple way, including your holdings, your performance, your dividends, all that fun stuff. But you're also able to follow other long-term investors on the platform, helping you stay motivated during uncertain economic and market times. Not to mention, the portfolios on Blossom are all verified. So, if you're seeing someone buy or sell a name, it's because they actually did it in their own brokerage account. We're both on there. Our portfolios are on there. So, if you want to join us, search Blossom Social in the App Store or head to blossomsocial.com on your phone or desktop. There's also a link in the show notes below. | ||
Solace HealthIf you've ever been really sick or been the caregiver to somebody who was, you know how broken the health care system can be. Man, nothing is easy. Finding the right doctor, sitting on hold for hours, or gosh, trying to understand co-pays and treatment plans and weird medical terms that no one really explains, and so much paperwork. But what if you had someone to do all of that for you? Someone to take the burden off your shoulders. Solace Health pairs patients with a personal advocate whose entire job is to fight for you. And these advocates are covered by insurance nationwide. They handle the paperwork, fight denied claims, and make sure you're not getting lost in the system. Solace advocates are experts who average 16 years of healthcare experience, and they serve people who are going through a healthcare challenge. Now, if that's you or a loved one, please reach out to Solace so everyone can focus on what really matters, getting better. So remember, the next time you or a loved one have a health issue, you need Solace in your corner. They'll fight the system so you don't have to. Go to solacehealth.com/ramsey or click the link in the description. Checking your eligibility only takes about 2 minutes. That's solacehealth.com/ramsey. You must be 18 or older. And remember, advocates do not provide medical or legal advice. | ||
Health Trust FinancialWhen it comes to your health insurance, one of the biggest mistakes you can make is believing you're stuck in a one-size-fits-all plan that costs too much and covers too little. That's why I recommend Health Trust Financial. They're the only Ramsey trusted health insurance partner because their advisors take the time to understand your situation and help you explore the coverage options that are available to you. Whether you've changed jobs, welcomed a new baby, or had some other life event, Health Trust Financial shops multiple top-rated insurance carriers for you. Then they help you understand your options so you can make a smart decision instead of guessing. I've recommended Health Trust Financial for more than 20 years because they work for you, not the insurance companies. So, they offer unbiased advice. Visit healthtrustfinancial.com to connect with an adviser today. That's healthtrustfinancial.com. | ||
Guardian Litigation GroupIf you're behind on your bills, doing more of the same isn't going to fix it. You need a different plan. And that's why I tell people about Guardian Litigation Group. If you've missed payments, if collectors are calling nonstop, or if you're getting letters about legal action, that's your signal. And it's where a lot of people wait too long because the longer you wait, the fewer options you usually have. And once it turns into a lawsuit, things can get more expensive and more complicated fast. Guardian Litigation is a law firm, not a call center. From day one, you are assigned an attorney who represents you. So, if a creditor moves forward, you're not caught off guard and you're not hit with surprise legal fees. Guardian Litigation only gets paid when the debt is negotiated and the client accepts the settlement offer. This is about stepping in early while you still have leverage. Don't ignore the problem. Take control of it. Go to guardianlit.com/ramsey right now. That's guardianlit.com/ramsey. Attorney advertising. Results may vary and no specific outcome is guaranteed. | ||
SkylightCheck out this message I just got from my co-worker. She started using Skylight, this episode's sponsor. She said, 'OMG, I'm obsessed with the Skylight. Now that our daughter is older and she has activities of her own, it's been so hard to coordinate with the whole family. Now I have this family command center right in the middle of the house. It shows me my schedule, my husband's schedule, and our kids all in the same place. And we even have a chore list that our daughter loves. Skylight Calendar is designed to bring families together for more time. It's an all-in-one digital smart calendar that syncs with Google Calendar, Apple Calendar, Outlook, etc. Making it easier to instantly look at your day, week, or month plans. With Skylight Calendar, you can manage events, chores, and grocery lists by assigning colors for each of your family members, meaning no one can say they didn't know what they needed to do. My co-workers say it's a game-changer for their families. Plus, it comes with a 4-month 100% happiness guarantee. If you don't love it after 4 months, you can return it for a full refund, no questions asked. Families are better when they're working together. Right now, Skylight is offering our listeners $30 off their 15-inch calendars by going to myskylight.com/res. Go to myskylight.com/res for $30 off your 15-inch calendar. That's myskylight.com. | ||
WildgrainThis episode of Money for Couples is brought to you by our friends at Wildgrain. Recently, I saw someone online complaining about the price of a croissant. If you want to make that yourself, be my guest. In fact, send me the video of what the output looks like. I'm not spending my time making great pastries at home, and neither are you. But if you want the next best thing, which is having them shipped to your door, check out Wildgrain. Wildgrain is the first bake-from-frozen subscription box for sourdough breads, seasonal pastries, and even French butter made by small independent bakers right to your door. Everything bakes straight from frozen in 25 minutes or less. Always made with simple ingredients you can actually pronounce. My coworker loved her recent shipment, including their blueberry lemon donuts. Plus, Wildgrain boxes are fully customizable. In addition to their classic variety box, they have a gluten-free vegan box and a protein box available in flexible subscriptions you can skip or cancel anytime. If you're looking for an easy way to enjoy bakery-quality food at home, I definitely recommend giving Wildgrain a try. The fan-favorite apple cider donuts and other fall seasonal products are back for a limited time, so make sure you order before they sell out. Visit wildgrain.com to get $30 off your first box, plus free croissants for life. Again, that's wildgrain.com/ramit for $30 off your first box and free croissants for life or use promo code RAMIT at checkout. | ||
YRefyToday's Ramsey Show question of the day is brought to you by YRefy. Defaulted private student loans can derail your money plans, but YRefy helps borrowers explore refinancing options designed to get them on track again. Learn more at yrefy.com/ramsey. That's the letter Y, yrefy.com/ramsey. May not be available in all states. | ||
DollarwiseYou suck with money. So you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what? They want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. Dollarwise.com. Link in the description below. | ||
FacetHow come everybody teaches you how to save but nobody teaches you the skill of spending money meaningfully? It's a tragedy to end up older and older having atrophied at the skill of using your money to live a rich life. I need you to take this seriously. And if you need help planning your retirement and you want to go into scenarios and more specificity, check out Facet. Facet can help you make a plan that lets you use your money for the moments that matter to you. Facet charges a flat membership fee for financial planning, never a percentage of your assets. And you get access to a team of CFP professionals, always a CFP, always a fiduciary, who help you create a personalized financial plan that meets you where you are. They can help with big things like investments, moving across the country, saving for kids, college, traveling in retirement, estate planning, all of it. Your financial plan should match up with your rich life vision. And Facet can help make that possible without the exorbitant fees. As of the date of this recording, Facet is waiving the enrollment fee for new annual members. And for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/rait to learn more about which membership option is best for you. Facet is an SEC registered investment adviser. I'm not a member of Facet and have an incentive to endorse Facet as I have an ongoing fee-based contract for cash compensation based on this endorsement. All opinions are my own and not a guarantee of a similar outcome. | ||
Grow TherapyThat's why I recommend getting therapy so often on this podcast. And Grow Therapy can help you find the right therapist for you. Grow is therapy that works covered by insurance. Grow connects you to thousands of high-quality licensed therapists across the US that work with your schedule. Virtual, in-person sessions, nights, weekends, they have an option that will work for you. You can search by what matters, by identity, specialty, availability, insurance coverage. You can find a therapist who's the right fit for you. Grow makes it easy to book an appointment in minutes and begin sessions in as little as 2 days. See if you could pay as little as $0 for therapy in seconds at growtherapy.com/res. That's growtherapy.com/res. growtherapy.com/res. Availability and coverage vary by state and insurance plan. | ||
TermPlusI'm hearing a lot of investors asking the same question. Where can I find reliable income in this market without taking equity market risk? That's where TermPlus comes in. It's designed to maintain a steady buffer over the RBA cash rate, providing regular distributions and somewhat of a cushion and diversification on your passive income. To find out more about TermPlus, simply search for TermPlus or head to termplus.com.au where you can find the PDS and TMD. And don't forget to tell them RAS sent you. | ||
Trust & WillWhat is something big and scary that you have been putting off for months? For a lot of people, especially those who have started a family recently, it's getting a will. It's getting an estate plan set up. And instead of trying to figure it all out on your own, you can work with Trust & Will to get your estate planning handled right away. Trust & Will offers affordable attorney estate plans online that you can create in as little as 30 minutes. Everything is state specific. It's tailored to your needs regardless of what stage of life you're in. And we actually had one of my co-workers create a will using Trust & Will. Here's what she said. Getting started was incredibly easy. In less than an hour, I had a will, power of attorney, last will and testament, and HIPAA authorizations. All of which I downloaded, and if I wanted, I could have them checked by another attorney. Their platform makes it easy to keep these things organized and updated, so your loved ones don't have to manage tons of paperwork down the line. Now, you can use an attorney for your estate plan, but that's not an option for everyone. If you know that you have loved ones that you need to protect, Trust & Will is worth considering. Go to trustandwill.com/ramit to get 20% off. That's trustandwill.com/ramit to get 20% off. Trustandwill.com/ramit. | ||
FAIRWINDS Credit UnionAnd speaking of banks, here's one that actually is on your side. That's FAIRWINDS Credit Union. Unlike the mega banks serving their own bottom line, FAIRWINDS genuinely wants to help you win with money. And it's easy to put off adding another bank to your repertoire because it feels like a hassle. Direct deposit, the auto pay, the whole tangle. But that can quietly cost you, especially if your money is sitting in a dusty old savings account making half a percent. Because with FAIRWINDS, you'll get a high-yield savings account with a competitive APY and a no-monthly-fee checking account, thousands of free ATMs, and the new Ramsey Live Like No One Else themed debit card. It's all part of their smart bundle, which you can get at fairwinds.org/ramsey. | ||
Boost MobileNow, getting scammed and spammed is the worst. But, you know what else I think is criminal? Paying too much for your phone bill. And it's why I'm also a big fan of Boost Mobile, another sponsor of today's episode. Their unlimited plan is just 25 bucks a month forever. No contract, no hidden fees, no price hikes, no hijinks. So, you can talk all you want to whoever you want unless they're a scammer. Hang up on that guy or gal or AI bot, or sing to them if you want to waste their time. Making the switch is easy. It takes just a few minutes. You can likely do it from your own home. So, bring your phone, keep your number, get started at boostmobile.com/ramsey or click the link in the description. $25 forever requires customers to remain active on Boost Mobile unlimited plan. | ||
Davis AdvisorsIt's tempting to believe successful investing means constant action, but often the opposite is true. Davis Advisors have spent decades demonstrating that discipline, research, and patience can be more valuable than frequent trading. Through Davis Portfolios, the team invests with conviction in businesses they believe can create lasting shareholder value. If that approach resonates with you, visit davisadvisors.com. Before investing, you should carefully consider the investment objectives, risks, charges, and expenses. The prospectus or form ADV contains this and other information. You can obtain a current prospectus or form ADV by calling 1-800-279-2279. Investing involves risks, including possible loss of principal. | ||
World WatchHere's something that keeps a lot of parents up at night. Kids are growing up with more access to information than ever before in history. But most of the content is calculated to keep them distracted, make them mad, and keep them scrolling, not help them think for themselves. World Watch exists to be the antidote to the algorithms. World Watch is a video news service built specifically for pre-teens and teens. They're daily 10-minute videos that explain what's happening in the world through a factual Christian worldview. No outrage, no noise, just clear reporting you can watch together and that your kids can actually understand so they can come to the dinner table engaged and curious instead of worked up or zoned out. And I love that World Watch doesn't talk at kids. It gives families something to talk about. Because when my kids are older, I want them to be able to think for themselves and separate news from noise. And right now, you can try World Watch free for 30 days. Click the link in the description or go to worldwatch.news/ramsey and use promo code Ramsey to get started. The Ramsey offer includes your first full month free on top of the standard 7-day trial. That's worldwatch.news/ramsey. | ||
HiscoxTrying to beat the market? I got caught up in this trap recently. I'll admit it. Not with investing though, but with other life choices. I went on a holiday to Bali with my mates and of course I know that mopeds can be seriously dangerous but you don't really think the bad thing is going to happen to you. On day three, unfortunately, I had an accident where I was involved in a collision with a car. But you just don't know what's going to happen in life sometimes. And that's why we're happy that this episode is sponsored by Hiscox. If you run a small business, then check them out for insurance like personal accident, employers' liability, professional indemnity, public liability, and business contents. They can cover your business for lots of things that can go wrong. And the reality is on a long enough time horizon, stuff does go wrong. Don't wait until it's too late. Make sure that you've got the right cover for your business and check out Hiscox. I've left a link in the description. I've also put a QR code on screen for you as well. Protection is subject to already holding a relevant Hiscox policy and to policy eligibility terms and conditions. | ||
Skye WealthNow, before we get back to the show, a quick reminder to protect your financial life. That means having income protection sorted. It means having death cover if there's any debt or dependents relying on you. It means getting your personal insurance in order. Most people insure their car. They insure their house. But what about themselves? Skye Wealth, who support this podcast, are specialist financial advisers who can help you get the right cover in place. Their advice is often more comprehensive and better value than going direct through your super. Book a complimentary 15-minute chat at skye.com.au. That's skye.com.au and they'll point you in the right direction. | ||
Sphere Home LoansThis episode is brought to you by Sphere Home Loans. Hey, wherever you are in Australia, if you have not got a mortgage broker and you need one, who you going to call? Sphere Home Loans. Sphere Home Loans. Ghostbusters. The Ghostbusters. The So, Sphere Home Loans support the show. They have a dedicated team of people that help our listeners all over Australia. And if you haven't had your mortgage reviewed in some time, why about you reach out, go back to your own broker, but if you don't have a broker, uh, contact Sphere Home Loans. RA is the founder and director of Sphere Home Loans. And we thank you for supporting the podcast. And in fact, on their website, you can go to spherehomeloans.com.au, click contact and in the field if you want a strategy call with RA, she will personally um have a call and you can bounce your situation off RA and you'll be able to find the most appropriate suited broker in your team that can help with their need. | ||
Industry Super FundsToday's bonus episode is brought to you by Industry Super Funds. Stop, check your super is in safe hands and visit superinsafehands.com for more information. |