Podcasts about Term life insurance

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Talk Money with Jim ShoemakerJoin Jim Shoemaker, Abby Wilson, and Scott Jordan as they look at the “Differences in Permanent vs. Term Life Insurance.” Katie Abart will share the “Latest Developments in the Home & Auto Market.”                                                "Helping You Make the Most of Your Money” Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138

Therapy for Your Money: Becoming a Wealthy TherapistIn this episode of 'Therapy for Your Money,' host Julie Herres discusses her insights on wealth accumulation for therapists. The economic rules discussed include spending less than what one earns, saving at least 10% of annual income, using debt wisely, having term life insurance if one has dependents, having emergency funds personally and in business, and ensuring one has a will. Lastly, she emphasizes the need for consistency in practicing these habits and that becoming wealthy is usually gradual.Episode Highlights00:00 Introduction to the Podcast00:51 The Wealthy Therapist: Breaking Down the Stigma02:39 The Six Rules to Financial Success02:39 Rule 1: Spend Less Than You Make04:31 Rule 2: The 10 Percent Rule12:03 Rule 3: Term Life Insurance for Dependents15:58 Rule 4: The Importance of Having a Will16:31 Rule 5: The Necessity of an Emergency Fund17:46 Rule 6: Using Debt Wisely18:39 Book Recommendation Links and ResourcesBook Recommendation: The Wealthy Barber, Everyone's Common Sense Guide to Becoming Financially IndependentGreenOak Accounting - www.GreenOakAccounting.comTherapy For Your Money Podcast - www.TherapyForYourMoney.comProfit First for Therapists - www.ProfitFirstForTherapists.comProfit First Academy - www.ProfitFirstForTherapists.com/AcademyPodcast Production and Show Notes by Course Creation StudioGet our free KPI tracker to see how you practice measures up to others in the industry! www.therapyforyourmoney.com/kpi

Adam Hancock is a national award-winning State Farm Agent from Montrose, Colorado. He has a wealth of experience as a third-generation state farm agent and is a recipient of their prestigious President's Club. Adam got his professional start in the United States Navy, owned a landscaping business, and then followed in his family's footsteps into the insurance industry. Adam studied engineering at Colorado Mesa University and has his BA in Business Management from the University of Phoenix. In this conversation, we'll explore Adam's journey from the Navy to State Farm and the key questions young people, middle-career professionals, and those nearing retirement should ask about their insurance coverages and needs for their life stage. I'm interested in unpacking these questions and many more to ensure our listeners have the proper protections for their families and that your long-term objectives are being met so lets jump in!

Sashind Ningthoukhongjam delves into an intriguing dialogue with Ashish Somaiyaa, Chief Executive of WhiteOak India AMC, exploring his investment philosophy, methods for team member selection, and invaluable lessons gleaned from CEOs he's collaborated with throughout his career.

Join Jim Shoemaker, Abby Wilson, and Scott Jordan as they give us the facts regarding “Permanent vs Term Life Insurance.”  Katie Abart and Jonathan Jewell will give an “Update on Home and Auto Insurance.”                                          "Helping You Make the Most of Your Money Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138

Do you really need life insurance? What factors impact your life insurance decisions? 00:00 - Intro 00:38 - Introducing Ben Krapu - Financial Advisor for Knights of Columbus 00:59 - Most Important Insurance Policies 02:20 - Is Life Insurance Essential For Everyone? 03:12 - Term vs Permanent Life Insurance 04:13 - Shopping Around - What to Look For? 07:26 - The Claim Process 10:36 - Is to Get Too Much Life Insurance Possible? 16:14 - Personal Life Insurance Philosophies 19:34 - Blanket Advice from the Internet 23:44 - Different Term Life Insurance Strategies 25:40 - Protecting Your Insurability 30:59 - Get Motivated to for Life Insurance 34:06 - Consequences 36:38 - Learn More About Ben and the Knights of Columbus In Episode 66 of the HopeFilled Financial Podcast, Jay interviews Ben Krapu, a financial advisor with the Knights of Columbus. Together, they discuss the need for life insurance and what you might need to know. Life insurance is a challenging topic to think about, but it can be an essential building block to your financial well-being. There are many types of life insurance products out there, and it is important for you to understand what will serve you best in your exact situation. This interview is a great introduction to the topic. What did you learn from today's episode? Links: More About the Knights of Columbus: https://www.kofc.org/en/what-we-do/insurance/index.html More About Ben: https://info.kofcassetadvisors.org/Meet-Ben-Krapu.html Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com  Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Most people think life insurance is for when you die, it is, but, you can also use the life benefits of whole life insurance while you're still alive. What about term insurance though? Is it any good or is it a waste of money? Many people who have term life insurance now are going to be severely disappointed when their term is up because you can't turn back the clock and get new coverage at the same low rates you had before. Resources: To get your life insurance reviewed call McFie Insurance at 702-660-7000 or email: team@mcfieinsurance.com Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalkspodcast/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA==   Facebook: https://www.facebook.com/profile.php?id=61554798231074   Listen to the Wealth Talks Podcast on: Apple Podcasts: https://podcasts.apple.com/gb/podcast/wealth-talks/id978187163   Spotify: https://open.spotify.com/show/7MOugefeGkTl5jdkhYdjvQ?si=80ce9359d8e54cc8 Watch on YouTube: https://youtu.be/VjQg5RPgEok

Have you ever wondered if Whole Life Insurance is right for you? What are the pros and cons? Is there anything wrong with term life insurance? 00:00 - Intro 01:00 - Rob Gills video reaction 05:44 - Joshua's Story video reaction 15:13 - Forbes Advisor Article review 27:44 - Money Guy video reaction 32:41 - Two Cents video reaction 35:17 - Consumer Reports article review 36:43 - White Coat Investor article review 40:30 - What I'm Doing For My Life Insurance 41:47 - Closing Statements Today's story reviews a sales pitch for whole life insurance followed by a heartbreaking story about how Joshua made a $20,000 mistake with his life insurance. The lessons learned from the contrast speaks volumes. Today's main topic covers life insurance, whole vs term, and Jay's personal life insurance plan. Life insurance is an essential part of healthy finances, but not every life insurance product is a need. Your situation will dictate what you need. It is important that you can identify what wants you may have for life insurance beyond those needs, and that you firmly clarify them as genuine wants. To kick things off, Jay reviews a solid Forbes Advisor article to establish the main differences between term and whole life insurance options. Next, we turn to the Money Guy show where they recommended a whole life product. For example purposes, Jay included a "run the numbers" case study from the PBS show Two Cents. Lastly, before sharing his plan, the White Coat Investor has a good bit to say on this topic that will largely make for good continued reading. These are the links to sources used in this episode: Rob Gills Video: https://www.youtube.com/watch?v=JFZRwkl9xd0&t=68s Joshua's Story: https://www.youtube.com/watch?v=Y_V6n3GZFVA Forbes Advisor Article: https://www.forbes.com/advisor/life-insurance/term-life-vs-whole-life-insurance/ Money Guy Show Clip: https://www.youtube.com/watch?v=ed7IIE9pRW4 Two Cents Example: https://www.youtube.com/watch?v=AgBhy8iXjpI Consumer Reports Study: https://www.consumerreports.org/cro/news/2015/04/is-whole-life-insurance-right-for-you/index.htm White Coat Investor Article: https://www.whitecoatinvestor.com/debunking-the-myths-of-whole-life-insurance/ Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Does it feel like you're constantly being pitched life insurance? There's a reason for that and we're going to tell you why. In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues.  They discuss the importance of determining the right amount of coverage, differentiating between term and permanent life insurance, and the potential pitfalls of policies with investment components.  The conversation also covers the motives behind selling permanent life insurance, the role of financial professionals, and the considerations for children's life insurance and funeral costs. Zacc and Laura discuss: Zacc's personal story about being diagnosed with thyroid cancer & how it impacted his ability to obtain life insurance How you can determine the right amount of insurance coverage for your situation The investment aspects of permanent life insurance Life insurance for children + employer-provided insurance And more   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Becoming your own banker, the infinite banking concept, bank on yourself and other financial concepts promote the idea of using the life benefits of life insurance. Many people think life insurance is for when you die, that's true, but you can also use life insurance while you're still alive. There are benefits to using life insurance as a financial tool that you cannot get with any other financial products. But the problem is there is good life insurance and bad life insurance and too many people who want good life insurance wind up getting bad life insurance. We talk about good life insurance, bad life insurance and how to get a good life insurance policy with cash value so that you can be your own banker. Resources: Life insurance policy sales and review McFieInsurance.com  Contact: Team@mcfieinsurance.com | 702-660-7000 0:00 How to Be Your Own Banker 3:15 History of life insurance 5:38 Types of life insurance 7:09 The two types of life insurance 8:56 The origin of Buy Term, Invest the Difference 11:26 Term life insurance, universal life insurance, indexed universal life insurance (IUL) and whole life insurance 15:00 Reviewing an IUL policy 18:23 How to set up your finances 20:57 How to tell if a life insurance policy is good or bad 22:39 10/90 Infinite banking policy (IBC) 25:11 Guaranteed vs non-guaranteed values 30:13 The difference between cash value and death benefit Follow along: Instagram: https://www.instagram.com/wealthtalkspodcast/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA==  Facebook: https://www.facebook.com/profile.php?id=61554798231074  Watch on Youtube: https://youtu.be/-sUT5xUCkbs

Take a closer look at term life insurance, including the underlying mechanisms, when it's most useful, and how rates are determined.

Worried about leaving your family vulnerable? Uncover the 5 hidden powers of term life insurance and discover how it can become your secret weapon for securing your future and achieving financial peace of mind! Listen now and unlock a brighter tomorrow! Got questions? Our insurance experts are here for you at 801-404-3389. Punch in those digits and let's chat!

Term life insurance: Your financial shield for an unpredictable world. Discover how this affordable coverage can safeguard your family's financial future. Questions? Chat with our experts at 801-404-3389!

Some basic things to know about term life insurance with Peter Cishecki! Guest: Peter Cishecki - Registered Financial Planner and President of the Everything Financial Group Learn more about your ad choices. Visit megaphone.fm/adchoices

Life insurance is an important tool for protecting your loved ones in the event of your passing. But how much coverage do you really need? Is there such a thing as too much life insurance? And how do you determine the right amount for your specific situation? Whether you're just starting to think about life insurance or you're looking to review your existing coverage, this episode is packed with valuable insights and practical advice. So grab your pen and notebook and join us for a deep dive into the world of life insurance. The Ultimate Guide to Life Insurance (Free) ​​https://buildyoung.willitacherie.com/life-insurance 5 Types of Term Life Insurance https://podcasts.apple.com/us/podcast/build-young-grow-wealthy/id1525719425?i=1000578879672 How to Choose A Permanent Life Insurance Policy https://podcasts.apple.com/us/podcast/build-young-grow-wealthy/id1525719425?i=1000579510142 Should I Buy Group Life Insurance With My Employer https://podcasts.apple.com/us/podcast/build-young-grow-wealthy/id1525719425?i=1000580239179 --- Send in a voice message: https://podcasters.spotify.com/pod/show/willita-cherie/message Support this podcast: https://podcasters.spotify.com/pod/show/willita-cherie/support

Dave Ramsey and many others bash Life Insurance "Sales Guys" every day.  "Buy Term and Invest the Difference" is preached like it is the 11th commandment.As in EVERY profession, there are good and bad actors.  As I always say, "Your Net WORK is your Net WORTH" my network has expanded dramatically over the last 5 years especially over and recently was introduced on LinkedIn to a "good" actor in the Life Insurance business that has decades of experience and stories to tell.Bob's philosophy is simple- if it doesn't feel right for the client, don't do it.  And having been in the business for 39 years with ZERO consumer complaints is proof that the philosophy is working.  Tip/Trivia – Less than TWO percent of Term Life Insurance policies pay out!  RESOURCES MENTIONED:Signup for my newsletter!Episode 32 - BENEFIT from InflationEpisode 40 - The "anti" Financial Advisor Chris MilesEpisode 81 - Interview with my State Farm AgentDo Not Buy(Or Offer) An Indexed Universal Life Until You Read ThisAccelerated Benefit RiderWhat is Medicaid Spend Down?CONNECT WITH BOB: Deighton FinancialLife Insurance GuideC 941-685-8854  Toll Free 1-866-365-6558SHOW SPONSORSFreedom FamilySimple Passive CashflowHero LendingFocus Wealth GroupSupport the showUranium Spotlight: Nuclear's Resurgence in a Clean Energy WorldA weekly podcast on uranium fuel market trends and its global energy impactListen on: Apple Podcasts SpotifySupport the show

In this episode, we explore the question that many of us have asked ourselves at some point: do I need life insurance? We'll dive into the basics of life insurance, including the different types of policies available and how they work. We'll also discuss the factors to consider when deciding whether or not to purchase life insurance, such as your age, health, and financial situation.  Whether you're a young adult just starting or a seasoned professional with a family, this episode will help you decide whether life insurance is right for you.  Tune in to learn more! Links Mentioned: The Ultimate Guide to Life Insurance (Free) ​​https://buildyoung.willitacherie.com/life-insurance 5 Types of Term Life Insurance https://podcasts.apple.com/us/podcast/build-young-grow-wealthy/id1525719425?i=1000578879672 How to Choose A Permanent Life Insurance Policy https://podcasts.apple.com/us/podcast/build-young-grow-wealthy/id1525719425?i=1000579510142 Should I Buy Group Life Insurance With My Employer https://podcasts.apple.com/us/podcast/build-young-grow-wealthy/id1525719425?i=1000580239179 --- Send in a voice message: https://podcasters.spotify.com/pod/show/willita-cherie/message Support this podcast: https://podcasters.spotify.com/pod/show/willita-cherie/support

In this episode, Ryan and Alex discuss what term life and whole life insurance are. The beer of the day is Mac and Jack's African Amber. If you would like to learn more about this beer, please visit their website https://www.macandjacks.com/african-amber If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net  

Many people feel embarrassed when we meet that they have term life insurance. I do not hate term; it has it's use, just not for the long-term. Audio Production by Podsworth Media - https://podsworth.com 

Many people feel embarrassed when we meet that they have term life insurance. I do not hate term; it has it's use, just not for the long-term. Audio Production by Podsworth Media - https://podsworth.com 

If you have a family, life insurance is essential, and term insurance is the best kind. But what’s the best way to buy it? On today's MoneyWise Live, Rob West will talk about the various ways to purchase term life insurance and how much is a good amount to get. Then he’ll answer some questions on various financial topics. See omnystudio.com/listener for privacy information.

This week's episode features an interview with Devin Burr also known as Mr. BRRRR. Devin is a real estate investor that has mastered the concept of “Infinite Banking” that has allowed him to become his own bank. Devin currently generates over $100,000 per month and has a life goal of becoming a billionaire so that he can help reform the education system. Throughout the episode, we explore the Infinite Banking strategy at length and learn how this unconventional wealth building vehicle empowers individuals to multiply their money by strategically leveraging different life insurance policies. Devin goes into detail on how this strategy can be utilized to acquire businesses and other income-producing assets, such as real estate. He shares real-life examples and success stories of individuals, including himself, who have leveraged Infinite Banking to make profitable investments much faster than using traditional methods. Whether you're a seasoned investor or just starting on your financial journey, this episode is filled with invaluable tips and strategies to make the most of your money. If you are interested in exploring this strategy further and would like to schedule a call with Devin's team, click the link below in the show notes. Cheers! Devin's Social MediaDevin Burr (@mr_brrrr) | TikTokDevin Burr (@mr_brrrr) • Instagram photos and videos**If you enjoy the show, please leave us a review on Apple Podcasts or Spotify! It takes less than a minuteand makes a huge difference in helping us land high profile guests to best serve our audience.Are you looking to partner on real estate deals or expand your personal portfolio? Click here to join ourinvestor club and be notified about upcoming partnership opportunities.Previous Guests on The Weekly Juice Podcast include:  Brandon Turner, Tarek El-Moussa, David Greene, Tony J. Robinson, Mike Ayala, Jamie Gruber, RobertCroak, Mark Simpson, Chad “Coach” Carson, Heather Blankenship, Tim Bratz, J. Scott, MattFaircloth, Michael Elefante, Devon Kennard, Paula Pant, Jake Harris, and Avery CarlFollow Us on Social Media:Instagram: instagram.com/weeklyjuicepodYouTube: youtube.com/@weeklyjuicepodTwitter: twitter.com/weeklyjuicepodThreads: threads.net/@weeklyjuicepodTikTok: tiktok.com/@weeklyjuicepod**This episode is brought to you by  RentRedi . We get asked all the time how we manage our real estateportfolio while still having W2 jobs. Our secret is RentRedi. This all-inclusive property managementsoftware can do it all. It helps us with rent collection, accounting, tenant screening, maintenancerequests, marketing, tenant communication and much more. To get more of your time back andstreamline your rental portfolio with RentRedi, make sure to use promo code “JUICEPOD” to receive50% off any plan.  **Disclaimer: The information provided in this podcast is for informational purposes only and should notbe considered as financial advice. The content of this podcast is based on the personal opinions andexperiences of the speakers, and it is important to do your own research and seek professional advicebefore making any financial decisions. Investing in financial markets involves risk, and you should beaware of the potential for loss. Always consult with a qualified financial advisor or professional beforemaking any investment decisions. Remember, the opinions expressed in this podcast are solely those ofthe individuals involved and do not necessarily reflect the views of any organizations they are affiliatedwith. 

The crew is together again. And Lawrence discusses his recent experience on a financial panel, discussing whole life insurance vs term life insurance. The crew dives into the financial differences and the reasons why whole life insurance does not serve our community well. Whole life insurance is more beneficial for sellers but not the families who are purchasing these financial products. The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. We tell the stories that others don't. Stories about growth, opportunity, and embracing changes. Beyond that, we talk about Finances. Specifically, how to become Financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. 80% of millionaires are the first generation. That means they didn't come from wealth. We teach you how. Join a community of subscribers that welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts were able to amass over $2 Million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them since the opportunity is abundant and Win-Win.Find  the TFG Crew Hosts on Instagram Alainta Alcin - Blogger, Travel and Money Enthusiast @alainta_alcinLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus 

Term Life Insurance Versus Permanent Life Insurance Pros and Cons Term Insurance is a type of life insurance that provides coverage for a specified period of time, typically between 10 and 30 years. It is a great option for those who want to provide financial security for their family in the event of their death. However, there are some potential drawbacks to purchasing a term insurance policy.

Welcome to Season 3, Episode 6 of Meet the Expert with Elliot Kallen!In this episode, Elliot Kallen brings on Tracy Tamura to dive deep into the often-overlooked world of life insurance for wealth protection. The discussion spans a wide range of topics, from the importance of life insurance in personal financial planning to its critical role in business continuity and estate planning. Tracy also offers her expert perspective on innovative products like accelerated benefit riders and talks about potential changes in estate taxes.Read more:https://prosperityfinancialgroup.com/meet-the-expert-with-elliot-kallen/life-insurance-for-wealth-protection-and-business-success-2/Meet with Elliot:https://calendly.com/elliotkallen

Check out my resources!Click Here To Join The Financially Bulletproof Investing Course! Click Here To Download my Free Financially Bulletproof Checklist---Join Marc Russell and guest Jeremy Schneider on the BetterWallet podcast as they get into life insurance policies. Discover the truth behind the misconceptions and learn how to navigate the complex landscape of insurance. Jeremy, an expert in personal finance and founder of Personal Finance Club, shares insights from his financial advisor experience. Together, they discuss the importance of life insurance as part of a financial plan, debunking myths surrounding whole life insurance and highlighting the benefits of term life insurance. Gain valuable knowledge about finding the right policy, red flags to watch out for, and the impact on your financial security. Whether you're a parent seeking peace of mind or looking to protect your loved ones, this episode provides a comprehensive guide to help you make informed decisions about life insuranceTimestamps:[02:30] Jeremy's story[08:50] What is life insurance?[14:25] Two sides to the insurance company coin[24:40] Whole life is just maximizing their profits[28:50] Ideal person for term lifeConnect with Jeremy:https://www.personalfinanceclub.com/presskit/--- Connect with Me! Instagram: @BetterWallet TikTok: @BetterWallet Twitter: @TheBetterWallet YouTube: @BetterWallet

Today, we'll determine how much life insurance you need and only slightly make fun of whole-life policies.   Show notes: https://clark.com/insurance/life-insurance/term-life-insurance-how-to-buy/  https://www.policygenius.com/    

The Ramsey Call of the Day is a quick, daily dose of advice on life and money in under ten minutes. Hear from experts like Dave Ramsey, Ken Coleman, Rachel Cruze, Dr. John Delony, George Kamel & Jade Warshaw. Part of the Ramsey Network. Delivered to you five days a week. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

This show is not talking against Whole Life or Universal Life Policies. Its only speaking on the benefits of structuring term policies in your life! Whole life policies are the cream of the crop when it comes to life insuranceSupport the show

Get ready for an exciting episode, as we welcome Victor Figueroa to the show! With 10 years of experience in the insurance industry. Victor has knowledge and insights of becoming a successful Insurance owner.We deep dive into his life journey, from growing up in Anaheim to carving out a successful career in the Insurance Business. It was hard work, consistency, discipline and luck that flipped victor from a smoked guy to Gentle men. Victor gives us a sneak peek into the future of the insurance industry. Sharing some innovative solutions that are transforming; how insurance policies are developed and marketed.So, buckle up! and get ready for an entertaining and informative episode as we explore Victor Figueroa's life experiences and gain a deeper understanding of the exciting world of insurance. The Insurance Dudes are on a mission to find the best insurance agentsaround the country to find out how they are creating some of the top agencies. But they do not stop there, they also bring professionals from other industries for insights that can help agents take their agencies to the next level. The Insurance Dudes focus on your agency's four pillars: Hiring, Training, Marketing and Motivation! We have to keep the sword sharp if we want our agencies to thrive. Insurance Dudes are leaders in their home, at their office and in their community. This podcast will keep you on track with like minded high performing agents while keeping entertained!About Jason and Craig:Both agents themselves, they both have scaled to around $10 million in premium.  After searching for years for a system to create predictability in their agencies, they developed the Telefunnel after their interviews with so many agents and business leaders.  Taking several years, tons of trial and error, and hundreds of thousands of dollars on lead spend, they've optimized their agencies and teams to write tons of premium, consistently, and nearly on autopilot!LEARN MORE BY Registering for TUESDAY's LIVE CALL With The Insurance Dudes!Bio of Victor FigueroaExperienced Agency Owner with a demonstrated history of working in the insurance industry. Skilled in Sales, Leadership, Mechanics, Health Insurance, and Term Life Insurance. Strong business development professional graduated from Santa Ana College. Victor Figueroa has been working as an Agency Owner at Farmers Insurance for 4 years. Farmers Insurance is part of the Insurance industry, and located in California, United States.ReferencesWebsite:     https://agents.farmers.com/ca/anaheim/victor-figueroaYelp:           https://www.yelp.com/biz/farmers-insurance-victor-figueroa-anaheimLinkedin:   https://www.linkedin.com/in/victor-bautista-figueroa-b74851b1/

Get ready for an exciting episode, as we welcome Victor Figueroa to the show! With 10 years of experience in the insurance industry. Victor has knowledge and insights of becoming a successful Insurance owner.We deep dive into his life journey, from growing up in Anaheim to carving out a successful career in the Insurance Business. It was hard work, consistency, discipline and luck that flipped victor from a smoked guy to Gentle men. Victor gives us a sneak peek into the future of the insurance industry. Sharing some innovative solutions that are transforming; how insurance policies are developed and marketed.So, buckle up! and get ready for an entertaining and informative episode as we explore Victor Figueroa's life experiences and gain a deeper understanding of the exciting world of insurance. The Insurance Dudes are on a mission to find the best insurance agentsaround the country to find out how they are creating some of the top agencies. But they do not stop there, they also bring professionals from other industries for insights that can help agents take their agencies to the next level. The Insurance Dudes focus on your agency's four pillars: Hiring, Training, Marketing and Motivation! We have to keep the sword sharp if we want our agencies to thrive. Insurance Dudes are leaders in their home, at their office and in their community. This podcast will keep you on track with like minded high performing agents while keeping entertained!About Jason and Craig:Both agents themselves, they both have scaled to around $10 million in premium.  After searching for years for a system to create predictability in their agencies, they developed the Telefunnel after their interviews with so many agents and business leaders.  Taking several years, tons of trial and error, and hundreds of thousands of dollars on lead spend, they've optimized their agencies and teams to write tons of premium, consistently, and nearly on autopilot!LEARN MORE BY Registering for TUESDAY's LIVE CALL With The Insurance Dudes!Bio of Victor FigueroaExperienced Agency Owner with a demonstrated history of working in the insurance industry. Skilled in Sales, Leadership, Mechanics, Health Insurance, and Term Life Insurance. Strong business development professional graduated from Santa Ana College. Victor Figueroa has been working as an Agency Owner at Farmers Insurance for 4 years. Farmers Insurance is part of the Insurance industry, and located in California, United States.ReferencesWebsite:     https://agents.farmers.com/ca/anaheim/victor-figueroaYelp:           https://www.yelp.com/biz/farmers-insurance-victor-figueroa-anaheimLinkedin:   https://www.linkedin.com/in/victor-bautista-figueroa-b74851b1/

At the request of Family Finance Mom followers, I am now posting Monday & Wednesday LIVE Q&A replays as podcast episodes! To submit your question, be sure to follow me @FamilyFinanceMom on Instagram. Look for the question box in my stories ahead of LIVE Q&A every Monday and Wednesday at 9AM ET. Today's Q&A replay is sponsored by the Family Finance Mom Economic Workshop series. Build your economic literacy with a 6 workshop series to learn what causes economic cycles, how the free market works, the impact of human behavior on the economy and more. Knowledge builds confidence and empowers you to make better decisions for you, your family and your future. ENROLL NOW: http://familyfinancemom.teachable.com/p/economics-workshop-series ______________ Today's topics included:

In this episode, we have Sethe Smith with us. Sethe has been in insurance for the past decade. He shares his journey with us and how he stepped in the insurance world.If you are new to insurance, Seth's journey would be a great help to you. He discusses strategies and tactics to attain success in the insurance business. Keep your notepads and pens in your hands and note down Sethe's top tactics to attain success in the insurance business.  Highlights:10:00 Sethe's Approach 13:00 How to retain clients24:00 Spending in Business40:00 Supporting Your TeamThe Insurance Dudes are on a mission to find the best insurance agentsaround the country to find out how they are creating some of the top agencies. But they do not stop there, they also bring professionals from other industries for insights that can help agents take their agencies to the next level. The Insurance Dudes focus on your agency's four pillars: Hiring, Training, Marketing and Motivation! We have to keep the sword sharp if we want our agencies to thrive. Insurance Dudes are leaders in their home, at their office and in their community. This podcast will keep you on track with like minded high performing agents while keeping entertained!About Jason and Craig:Both agents themselves, they both have scaled to around $10 million in premium.  After searching for years for a system to create predictability in their agencies, they developed the Telefunnel after their interviews with so many agents and business leaders.  Taking several years, tons of trial and error, and hundreds of thousands of dollars on lead spend, they've optimized their agencies and teams to write tons of premium, consistently, and nearly on autopilot!LEARN MORE BY Registering for TUESDAY's LIVE CALL With The Insurance Dudes!Bio of Sethe Smith Experienced Agency Owner with a demonstrated history of working in the insurance industry. Skilled in Whole & Term Life Insurance, Property & Casualty Insurance, Customer Service, Technical Support, and Sales. Strong administrative professional with also a solid background and experience with Computers and Networking.References:Website:      https://agents.allstate.com/sethe-smith-fort-wayne-in.htmlFacebook:  https://web.facebook.com/SetheSmithAllstate/?_rdc=1&_rdr          Linkedin:     https://www.linkedin.com/in/sethesmith/

In this episode, we have Sethe Smith with us. Sethe has been in insurance for the past decade. He shares his journey with us and how he stepped in the insurance world.If you are new to insurance, Seth's journey would be a great help to you. He discusses strategies and tactics to attain success in the insurance business. Keep your notepads and pens in your hands and note down Sethe's top tactics to attain success in the insurance business.  Highlights:10:00 Sethe's Approach 13:00 How to retain clients24:00 Spending in Business40:00 Supporting Your TeamThe Insurance Dudes are on a mission to find the best insurance agentsaround the country to find out how they are creating some of the top agencies. But they do not stop there, they also bring professionals from other industries for insights that can help agents take their agencies to the next level. The Insurance Dudes focus on your agency's four pillars: Hiring, Training, Marketing and Motivation! We have to keep the sword sharp if we want our agencies to thrive. Insurance Dudes are leaders in their home, at their office and in their community. This podcast will keep you on track with like minded high performing agents while keeping entertained!About Jason and Craig:Both agents themselves, they both have scaled to around $10 million in premium.  After searching for years for a system to create predictability in their agencies, they developed the Telefunnel after their interviews with so many agents and business leaders.  Taking several years, tons of trial and error, and hundreds of thousands of dollars on lead spend, they've optimized their agencies and teams to write tons of premium, consistently, and nearly on autopilot!LEARN MORE BY Registering for TUESDAY's LIVE CALL With The Insurance Dudes!Bio of Sethe Smith Experienced Agency Owner with a demonstrated history of working in the insurance industry. Skilled in Whole & Term Life Insurance, Property & Casualty Insurance, Customer Service, Technical Support, and Sales. Strong administrative professional with also a solid background and experience with Computers and Networking.References:Website:      https://agents.allstate.com/sethe-smith-fort-wayne-in.htmlFacebook:  https://web.facebook.com/SetheSmithAllstate/?_rdc=1&_rdr          Linkedin:     https://www.linkedin.com/in/sethesmith/

They say life insurance is like a parachute. If you don't have it the first time, odds are you won't need it again. A funny line, but all kidding aside, life insurance is the only way most people can provide for their families if they should die. But what happens when it ends? Rob talks about that first. This is Faith and Finance - biblical wisdom for your financial decisions.We're talking about term life insurance, which we almost always recommend. Term is far cheaper than whole-life and doesn't mix investing with a death benefit. You're much better off investing separately from something offered in an insurance policy. Term insurance, by definition, ends when the term expires and we often get this question from listeners, “What then?” Generally, you have four options:Simply let the policy lapse. If you had a 20-year policy that's ending, at this stage of your life it's quite possible that you no longer need life insurance.  If the kids are grown and out of the house, supporting themselves, and your spouse's income plus Social Security survivor benefits is sufficient, then life insurance is a needless expense that you can put to better use in your retirement account. But if you still have dependents who rely on your income, or a spouse whose income can't meet expenses, then you still need to have some type of term policy. And that leaves you with three more options.You can get a completely new term policy when the current one expires. We normally recommend one with a death benefit of 10 to 12 times your salary. Don't be surprised by how much more a new policy at this later stage in life will cost. A 50-year-old healthy male can expect to pay around $80 a month for a 20-year, $500,000 policy or around four times the cost for a 30-year-old. That's simply based on actuarial tables; it's nothing personal. If the policy is only to provide for your spouse and not dependent children, you may be able to get by with less. For example, a policy that would pay off just the remaining principal on your mortgage, if any. While the cost of a new policy might have given you “sticker shock,” it's usually less than you'll have to pay to simply extend your existing policy, which is another option.Why is that? If you decide to get a new policy, you'll have to go through all of the underwriting procedures you did at age 30— a medical exam, giving an extensive medical history, blood test, and so on. When all of that is complete, the insurance company has a pretty good idea of the risk it's taking on.Let's say you go through all of that, and you're approved for a new term policy, but the monthly premiums are too high. You have a few ways to bring them down:You can lower the death benefit. Instead of $500,000, maybe you can get by with just $250,000. The company may encourage you to buy more insurance than necessary, so you have to keep your own needs in mindYou can also lower the term. Instead of getting a new 20-year policy, maybe you can get by with a 10-year term—again, just long enough to get the mortgage paid off, for example.You can save up and opt to pay your premiums annually, instead of monthly. Some companies will give you up to a 5% discount for making a yearly, lump sum payment.When your term insurance policy expires you can simply extend it. If you decide to go that route, there's usually no medical work-up required. But since the insurer is going into this blind, with no idea of any medical conditions that may have arisen in the past 20-years, the premiums will be higher than you'd have with a new policy, sometimes a lot higher.Keep in mind, if you have developed a serious medical condition, you may not be able to get a new policy at all. In that case, extending your current policy is definitely the way to go, if you can afford it.If you can't afford the cost of extension, get what's called a “simplified term” or “instant issue” policy. As you might guess, an instant issue policy requires no medical checkup. You apply, you're approved, and you start paying premiums. And usually, you can do all that online.If you're thinking that sounds too good to be true; there must be a catch, there are three: First, the death benefit with this type of term policy tends to be smaller. Second, the term is likely to be shorter, and three, it probably will cost a lot more than a regular term policy that includes a medical exam. But for some folks, an instant issue policy could be a real blessing when their current term policy expires.Next, Rob answers these questions at 800-525-7000 or via email at askrob@FaithFi.com:If your husband has been asked by a relative to lend them funds but you are concerned about enabling someone who is not living responsibility, should you abide by Matthew 5:42 "Give to the one who asks you, and do not turn away from the one who wants to borrow from you"?How should you approach selling your car if the monthly payment and you want to get out of debt, but you can only get $10,000 less than you owe?How can you locate the administrator of an old 401k if the company you were employed by went out of business? (Rob referred the caller to unclaimed.org).What will be the new interest rate on I-Bonds when it re-sets in May?What are alternative ways to save for kids' college and other needs over and above 529 plans?Be sure to check out the rest of FaithFi.com to access our books and our many free helpful resources. You can also find us on Facebook Faith and Finance (Live) and join the conversation. Thanks for your prayerful and financial support that helps keep Faith and Finance (Live) on the air. And if you'd like to help, just click the Give button.

Life insurance is the only way most people can provide for their families if they should die unexpectedly. But what happens when you come to the end of the term insurance you signed up for? On today's Faith & Finance Live, Rob West will explain what happens when your term life insurance ends. Then he’ll answer your questions on various financial topics. See omnystudio.com/listener for privacy information.

Depends on your priorities.  Email me at Roland.pollard@nm.com to set up a meeting and I'll explain why it's an absolute non-negotiable prerequisite that serves as the foundation to any comprehensive financial plan.Foundation is everything.

I'm working with an advisor and she's pushing us to get whole life insurance policies. I was initially thinking we needed term policies so now I'm wondering if this is the right move? Have a money question? Email us, ask jill [at] jill on money dot com. Please leave us a rating or review in Apple Podcasts. "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

- Foxconn Works to Get iPhone City Plant Back to “Normal Productivity” - Bloomberg: Shorter AirDrop for “Everyone” Going Global in 2023 - Apple Issues Bug Fix Firmware Update for AirPods Range - Apple Issues Mystery Firmware Update for AirTag - Apple Says Emergency SOS via Satellite Goes Live “Later This Month” - Apple Slashes Trade-In Values for Many Old Devices - Apple Pulls Another Half-a-Million Abandoned Apps from App Store - Steve Jobs' Birkenstocks Up for Auction - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- Report: TSMC Considering 3nm Processor Plant in AZ - Apple Releases iOS/iPadOS 16.1.1 and macOS 13.0.1 - iOS 16.1.1 Brings AirDrop Time Limit for "Everyone" in China - Apple Releases Second Beta of macOS Ventura 13.1 to Public Testers - Apple Releases Second Betas of iOS/iPadOS 16.2 to Public Testers - Hints of “Custom Accessibility Mode” Found in iOS 16.2 Beta 2 - Colorado State IDs Can Now Slide Into Apple Wallet - Apple TV+ Green Lights Second Season of “Bad Sisters” - Bad Bunny Named Apple Music Artist of the Year - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- Morgan Stanley Trims Apple Target, Stays “Overweight” on Apple - Financial Times Looks at Apple's Relationship with China - NYT Looks at Apple's Relationship with China and a Dead Deal for Storage - Kroger SoCal Subsidiary Ralphs Now Accepts Apple Pay - Apple Outs New Round of OS Developer Betas - Apple Releases Firmware Updates for AirPods Pro 2 and Beats Devices - Apple Announces Special Edition Melody Ehsani Powerbeats Pro - New Apple Vancouver Flagship Opening Soon - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- Markets Shrug-Off iPhone Warning Ahead of Midterms and CPI Report - Apple 3.0: A Roundup of Reactions to Apple's iPhone Warning - WSJ: Sources Say Zhengzhou COVID Situation Worse Than Foxconn Let On - MacRumors Says iOS 16.1.1 Turning Up in Web Analytics - AppleInsider: iOS 16.1.1 Likely to Activate SOS via Satellite Feature - “Father of iPod” Tony Fadell Joins Arm Board of Directors - Apple Uses (RED) Metropolitan Watch Face to Raise World AIDS Day Awareness - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- Ming-Chi Kuo: Foxconn Increasing Indian iPhone Production in Wake of Zhengzhou Lockdown - Bloomberg: Pegatron Starts Producing iPhone 14 in India - Apple Issues Warning on iPhone 14 Pro Production - Apple Outs Holiday Gift Guide 2022 - Apple Announces Extended Returns Windows for 2022 Holidays - Bloomberg: Apple Plans Ad Network for All MLS Games - YouTube Kills Unofficial WWDC Videos Channel - Apple TV+ Announces Limited Theatrical Run for “Sharper” - Apple TV+ Makes a Few Jennifer Lawrence Films “A Limited Time Subscriber Bonus” - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- High-Yield Savings Option Coming for Apple Card Holders - Brazil Fines Apple US$19 Million for Selling iPhones Without Chargers - Apple Studio Displays Hit Refurbished Store - Taylor Swift Taking Apple Fitness+ Artist Spotlight - Four Apple TV+ Series to See DVD/Blu-Ray Release in UK - Apple TV+ Outs Trailer for Documentary “Louis Armstrong's Black & Blues” - Sponsored by Better Help: Get 10% off your first month at betterhelp.com/macosken - Sponsored by Ladder: Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- JP Morgan Sets December 2023 AAPL Price Target at $200 - Canalys Sails Between IDC/Gartner Difference on Q3 Mac Shipments - Bloomberg: Unionized Apple Store Iced Out of New Benefits - Developers Get Fifth Beta of watchOS 9.1 - Apple Card Not Working in Apple Wallet? It's Not Just You!™ - Apple Services Finding New Homes on Windows - Apple Outs Trailer for “Mythic Quest” Season Three - Apple Posts Trailer for Holiday Musical Comedy "Spirited" - Jony Ive-Produced Animated Short Headed to Apple TV+ for Christmas - Sponsored by Better Help: Get 10% off your first month at betterhelp.com/macosken - Sponsored by Ladder: Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- Evercore Cuts Tech Expectations (Leaves Apple Untouched) - Latest Piper Sandler Survey Shows Strength for Apple Among U.S. Teens - Ming-Chi Kuo Lays Out Apple Manufacturing Map - Economic Times: Apple May Activate 5G for iPhone in India by Year's End - Australian Apple Retail Workers Plan One-Hour Strike - Apple Developers Get More OS Betas - Ask Apple: A New One-on-One Resource for Developers - Peanuts Holiday Specials Will Stream for Free on Apple TV+, Will Not Hit PBS - Sponsored by Better Help: Get 10% off your first month at betterhelp.com/macosken - Sponsored by Ladder: Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- IDC: PC Sales Slip Hard in September-Quarter - IDC: Apple Shows Significant PC Growth as Other Players Tank - Gartner: Apple Falls Just as Hard as Rest of PC Market - Apple Releases Bug Fixing, Security Addressing iOS 16.0.3 - Apple Releases Bug Fixing watchOS 9.0.2 - Bumble Harnesses Power of “Ted Lasso” for In-App “Bantr Live” Promotion - Apple TV+ Announces Trailer and Release Date for Selena Gomez Documentary - Sponsored by Ladder: Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- JP Morgan: Rate of iPhone Sales In-line with Years Past - Evercore: Worry Over iPhone Slowdown Overblown - Samsung Projects Operating Profit Down 32% for Q3 - Apple Marketing Decides “Notebooks” Are Now “Laptops” - Anders Holm Joins Apple TV+ Godzilla Series - Reports Have Amusement Park Rides Triggering the Occasional Crash Detection - MacRumors: iPhone 5c Hitting Obsolete Status Next Month - Sponsored by Ladder: Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

Take our Audience Survey & Enter to Win a $500 Visa Gift Card: Click here to take the survey Dave Ramsey & Ken Coleman discuss: How much term life insurance you need, Avoiding borrowing money for educational training, Working through financial hardships. Support Our Sponsor: PODS Moving & Storage Splash Financial Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy