Dave Ramsey Trusted Providers (2023)

Real Estate

See Local Agents

Insurance

Get the Right Coverage

Tax Services

Crush Your Taxes

Investing & Retirement

Invest in Your Future

(Video) Dave Ramsey Endorsed Local Provider - TERRIBLE EXPERIENCE!

Dave Ramsey Trusted Providers (16)

Churchill Mortgage

Services:

  • Get a Home Mortgage
  • Refinance Your Home

You've heard the Ramsey teaching that a 15-year, fixed-rate mortgage is theonlyway to go! But what’s the reasoning behind the 15-year loan? And why are adjustable-rate mortgages so risky? Churchill Mortgage helps Ramsey fans understand everything about mortgages so they canmake the best decision for their families.

If you’re debt-free, have an emergency fund to cover three to six months of living expenses, and you’ve saved for a down payment, then you’re ready to start looking into a home mortgage. Churchill can help you find the most affordable mortgage for your budget—and be sure it’s no more than 25% of your take-home pay.

Get a mortgage quote now.

Dave Ramsey Trusted Providers (17)

Zander Insurance

Services:

It’s no secret that there are must-have, non-negotiable protections you should put in place no matter where you are in the Baby Steps. But do you know why you should choose term life insurance over cash value? Or how long your family could get by without your income if you couldn’t work? What about the steps to take if your identity is stolen?

If not, the team at Zander Insurance is on your side. As a debt-free company, they’ve been helping Ramsey fans secure their families’ financial futures for over 20 years and can guide you to make the best decisions for your situation.

Contact Zander Insurance toget quotes onterm lifeanddisabilitycoverage, or sign up foridentity theft protectionnow.

Dave Ramsey Trusted Providers (18)

PODS Moving & Storage

Moving is a big deal, so the company you work with should care about you and your things—and be willing to work with you when plans change (because, let’s face it, moving can get messy). PODS Moving & Storage has been trusted with over 6 million moves, and they’ll be there to support you and your schedule. They’ll bring you the container, let you keep it for as long as you need, and take it off your hands when you’re ready.

PODS is an industry leader in moving and storage, and they’re RamseyTrusted because of their flexibility, customizable solutions and great customer service.

(Video) How Do You Find People You Can Trust?

Contact PODS now to get a quote!

Dave Ramsey Trusted Providers (19)

HealthEquity

Ramsey completely backs the option of using a Health Savings Account as a way to cover healthcare costs and get tax advantages! But what is a high deductible health plan? How does an HDHP work together with an HSA? And what about Medicare or Flexible Spending Accounts? HealthEquity is the only team Ramsey trusts to answer all of your questions about HSAs so that you canmake the best decision for your family.

If you’re eligible for a High Deductible Health Plan, your family is healthy and you don’t go to the doctor too much, a Health Savings Account could be a great way for you to enjoy lower premiums and build up a big medical emergency fund that grows tax-free.

Contact HealthEquity to see if you canopen an HSA account now.

Dave Ramsey Trusted Providers (20)

Mama Bear Legal Forms

You've heard Dave say that everyone needs a will! And it’s true. A will helps you protect the people and things that matter most to you. But can you change or cancel your will in the future? And when should you do that? Mama Bear Legal Forms is the only company Dave and the entire Ramsey team recommend to answer all of your wills questions so that you canget a will in place with the coverage you need and nothing you don’t.

Mama Bear offers both Individual and Spousal Packages. Both options include Last Will & Testament, Health Power of Attorney, and Finance Power of Attorney. You need this protection today.

Contact Mama Bear Legal Forms toget your will in place now.

Dave Ramsey Trusted Providers (21)

Ramsey Endorsed Local Providers

Services:

  • Find a Real Estate Pro
  • Find an Insurance Pro
  • Find a Tax Pro

Endorsed Local Providers (ELPs) are trustworthy, high-caliber professionals who are well-respected in their fields. They earned Ramsey’s recommendation through a track record of success and commitment to fantastic customer service

Dave Ramsey Trusted Providers (22)

Single Care

SingleCare has helped millions of Americans save up to 80% on their prescriptions, with no membership fees or premiums.

Dave Ramsey Trusted Providers (23)

Christian Healthcare Ministries

Discover a faith-based and budget-friendly way of covering healthcare costs through Christian Healthcare Ministries, where members help carry one another’s health expense burdens.

Dave Ramsey Trusted Providers (24)

SimpliSafe

Protect your home and family in case of emergency withSimpliSafe’s professionally monitoredhome security system. Feel safer with affordable, easy to self-install alarms that you can buy directly online.

Dave Ramsey Trusted Providers (25)

(Video) How To Find A Reliable Financial Advisor

Blinds.com

Whether you love to DIY or just need to refresh the look of your home,Blinds.com makes it simple to shop high quality window treatments with easy online ordering, free shipping, and a guaranteed perfect fit.

Dave Ramsey Trusted Providers (26)

Dave Ramsey Trusted Providers (27)

Following the Ramsey Mission

Our providers are advocates for Ramsey's financial and business principles. They know their job is to serve—not sell.

Fully Vetted by Our Team

Trust is an unbreachable contract. Each provider has to earn our trust, and we make sure they keep it through an ongoing relationship.Learn more.

Dave Ramsey Trusted Providers (28)

Dave Ramsey Trusted Providers (29)

Providing Service You Can Count On

The RamseyTrusted shield stands for excellence. When you see someone with it, you know they're determined to help you win.

Work with a Trusted Pro

Apply Now

Real People. Real Results.

Dave Ramsey Trusted Providers (31)

I just knew there was a better way to do my taxes. . .and I was more than happy to give up that side of my business so I could focus on my clients!

Louise

on working with an ELP Tax Advisor

Dave Ramsey Trusted Providers (32)

(Video) Ramsey Trusted Provider - Baby Step 1

Our ELP cut our insurance in half. I wish I would have checked my insurance years ago.

Shannon G.

on working with an ELP Insurance Agent

Dave Ramsey Trusted Providers (33)

Getting a will was the most caring and simple thing we could do for our family to make their lives a little easier. Mama Bear Legal Forms made it super quick and simple to manage.

Stephanie C.

on working with Mama Bear Legal Forms

Frequently Asked Questions

RamseyTrusted is a free service that connects you with national and local providers who help you work the Baby Steps and win with money. These are the people Dave and the wholeRamsey team trust to serve youwell. Learn more about how RamseyTrusted works.

You. No matter if you're on Baby Step 7 or have never heard of a Baby Step, RamseyTrusted is here to help you make all your big decisions.

Only providers who share Ramsey values and are willing to help you along in your financial journey can be RamseyTrusted. They're on a mission to help people, and they love to teach the truth about their service to anyone who needs it.

Yes, they absolutely can. No one can wear the shield until they've earned it, but just earning it once is no guarantee they’ll get to keep it. Through long-term assessments and fan feedback, our team makes sure every RamseyTrusted provider keeps serving you with excellence. If a provider falls short of those standards, they lose the shield. It’s that simple.

Endorsed Local Providers (ELPs) are trustworthy, high-caliber professionals who are well respected in their fields. These pros have earned the trust of the whole Ramsey team through a track record of success and commitment to fantastic customer service.

You can email us or call us toll-free at 888.227.3223. We're available Monday–Friday from 8 a.m. to 5 p.m. CT.

First things first: RamseyTrusted pros are missional, coachable and reliable. That means you’re helping people win with money the Ramsey way, you’re always ready to learn something new, and you have your customer’s back. Period. Sound like you? Check to see if you match the program qualifications and apply to be a pro.

Dave Ramsey Trusted Providers (34)

Founded by Dave Ramsey—bestselling author and host of the nation’s second largest syndicated talk radio show,The Ramsey Show— Ramsey Solutions exists for one reason: to give you HOPE.

Whether you’re up to your eyeballs in debt, wanting to take your small business to the next level, spending your days in a dead-end J-O-B, or praying for another kind of miracle, we’ve got a solution.

FAQs

What is Dave Ramsey's famous quote? ›

For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don't back down.”

What company does Dave Ramsey recommend? ›

Zander Insurance Is RamseyTrusted

And it's a big deal. It means that Zander is the only company Dave and the entire Ramsey team recommend for term life insurance.

Is Dave Ramsey a reliable source? ›

Today Ramsey, 60, is one of America's most trusted sources for financial advice. His syndicated radio program, The Dave Ramsey Show, is among the top five talk radio shows in the United States and is heard by 13 million listeners each week on more than 600 radio stations, according to Ramsey's website.

Is Dave Ramsey's advice worth it? ›

The bottom line: Ramsey may have done as much as anyone else to motivate Americans to get out of debt and start saving. Ramsey's advice makes for good radio, but that doesn't make his investment advice solid. Any competent advisor or fee-based planner could poke holes in Ramsey's recommendations.

What are the five foundations that Dave Ramsey talks about? ›

The First Foundation: Save a $500 emergency fund. The Second Foundation: Get out of debt. The Third Foundation: Pay cash for a car. The Fourth Foundation: Pay cash for college.

What is Dave Ramsey's theory? ›

Ramsey says to line up your consumer debts “by balance, smallest to largest,” and attack the smallest debt first by paying off as much of it as possible, while making minimum payments on the rest.

How much do Dave Ramsey employees make? ›

How much does Ramsey Solutions in the United States pay? The average Ramsey Solutions salary ranges from approximately $42,792 per year for Customer Service Representative to $144,567 per year for Creative Director.

How much do Dave Ramsey personalities get paid? ›

The chart shows total cash compensation for the RAMSEY SOLUTIONS Ramsey Personalities in the United States, which includes base, and annual incentives can vary anywhere from $65,299 to $84,403 with an average total cash compensation of $74,851.

What percentage does Dave Ramsey recommend? ›

In this budget, 50% of your money goes toward needs, 30% toward wants, and 20% toward savings and debt payments. Correlating them to the budget categories above, you come up with: 50% Needs – Housing, Utilities, Food (Groceries), Transportation, Insurance.

Who is the most accurate financial advisor? ›

NerdWallet's Best Financial Advisors of November 2022
  • Vanguard Personal Advisor Services.
  • Zoe Financial.
  • Betterment Premium.
  • Personal Capital.
  • Harness Wealth.
  • Ellevest Private Wealth Management.
  • Schwab Intelligent Portfolios Premium™
  • Wealthramp.
1 Nov 2022

How many people has Dave Ramsey helped get out of debt? ›

More than 25 years ago, Dave Ramsey fought his way out of bankruptcy and millions of dollars of debt. He took what he learned and started teaching people God's and Grandma's ways of handling money. Since then, Financial Peace University has helped nearly 10 million people take control of their money for good.

Why does Dave Ramsey say to pay off house? ›

If you follow Ramsey's advice and pay off your mortgage quickly, it does provide a feeling of security, but this is an emotional benefit that you get by giving up financial benefits. You feel warm and fuzzy because you are lowering your risk, but you also reduce your potential financial rewards.

Should I keep all money with one financial advisor? ›

To reduce conflicting advice and investment strategies, we suggest only one firm manage your situation. This helps ensure that the money your advisor is managing doesn't interfere or overlap with what you may be doing on your own or with another firm.

How much money should you have before talking to a financial advisor? ›

Depending on the net worth advisor you choose, you generally should consider hiring an advisor when you have between $50,000 - $1,000,000, but most prefer to start working with clients when they have between $100,000 - $500,000 in liquid assets.

Should I put all my money with a financial advisor? ›

If you're having a hard time making financial decisions on your own or aren't sure where to start with your economic journey, working with a financial advisor may be worth the time and money. However, if you're already on a solid financial path, you might not benefit much from teaming up with a financial advisor.

What is the 80/20 Rule money? ›

It directs individuals to put 20% of their monthly income into savings, whether that's a traditional savings account or a brokerage or retirement account, to ensure that there's enough set aside in the event of financial difficulty, and use the remaining 80% as expendable income.

What are Dave Ramsey's 7 Steps? ›

Dave Ramsey's 7 Baby Steps: Dos and Don'ts
Baby StepAction to take
1Save $1,000 for your starter emergency fund.
2Pay off all debt (except your mortgage) using the debt snowball method.
3Save three to six months of expenses in an emergency fund.
4Invest 15% of your household income for retirement.
3 more rows
10 Mar 2022

What are the 7 key components of financial planning Dave Ramsey? ›

Dave Ramsey's 7 Budgeting Baby Steps
  • Step 1: Start an Emergency Fund. ...
  • Step 2: Focus on Debts. ...
  • Step 3: Complete Your Emergency Fund. ...
  • Step 4: Save for Retirement. ...
  • Step 5: Save for College Funds. ...
  • Step 6: Pay Off Your House. ...
  • Step 7: Build Wealth.
4 Aug 2022

Why does Dave Ramsey not like ETFs? ›

Ramsey says he doesn't like ETFs because he's a buy-and-hold guy. Unlike mutual funds, ETFs trade on stock exchanges. So what's a buy-and-hold ETF investor to do? Easy.

Which mutual funds does Dave Ramsey use? ›

Dave Ramsey's Recommended Vanguard Mutual Funds

Although most growth funds usually have the word “growth,” some don't have it. As such, that is not the determinant that a fund is a growth fund.

Do millionaires pay off debt or invest? ›

They stay away from debt.

One of the biggest myths out there is that average millionaires see "debt as a tool." Not true. If they want something they can't afford, they save and pay cash for it later. Find out your net worth with this free calculator!

Why are all the Ramsey personalities leaving? ›

The company added that since 2016, all nine employees who have been known to have engaged in premarital sex — including O'Connor — have been terminated.

What companies does Dave Ramsey own? ›

In 2014, The Lampo Group, Inc. was rebranded as Ramsey Solutions. The company's headquarters are located in Franklin, Tennessee, and a new 47-acre campus opened there in 2019. Ramsey has written five books for adults, three of which were New York Times bestsellers, and six children's books.

Is Ramsey Solutions a good place to work? ›

77% of employees would recommend working at Ramsey Solutions to a friend and 78% have a positive outlook for the business.

How long does it take to become a millionaire Dave Ramsey? ›

We call them Baby Steps Millionaires. And get this: They did it in 12–17 years (or less!) from the time they started investing. In Dave's new book, Baby Steps Millionaires, he shares that it usually takes Baby Steppers two and a half to three years to finish Baby Steps 1–3.

What is the secret to becoming a millionaire Ramsey? ›

The bottom line is this: If you want to become a millionaire, avoid debt at all costs. And if you already have some, get rid of it and pay it off (Baby Step 2) as soon as possible. The only “good debt” is no debt!

What is the 80/10/10 Rule money? ›

An 80-10-10 mortgage is structured with two mortgages: the first being a fixed-rate loan at 80% of the home's cost; the second being 10% as a home equity loan; and the remaining 10% as a cash down payment.

What is the 70 20 10 money Rule? ›

How the 70/20/10 Budget Rule Works. Following the 70/20/10 rule of budgeting, you separate your take-home pay into three buckets based on a specific percentage. Seventy percent of your income will go to monthly bills and everyday spending, 20% goes to saving and investing and 10% goes to debt repayment or donation.

Does the 4 percent rule still work? ›

4% rule about how much to spend each year of retirement no longer works, creator says. So if you have $1 million saved for retirement, you would spend $40,000 the first year, and if inflation is 2% the following year, you would take out $40,800 that year.

Do most rich people have financial advisors? ›

Do rich people always have financial advisors? No, in life there are no ALWAYS… there will be people who do things themselves, but the vast majority will have wealth managers - that's a financial adviser who is doing more than simple managing an account - but an entire portfolio.

Do millionaires use financial advisors? ›

If your personal fortune includes millions of dollars and a yacht or two, you may be the ideal candidate for working with a wealth advisor. Wealth advisors are the financial professionals whom affluent individuals often turn to when they need assistance managing their fortunes.

Do billionaires use financial advisors? ›

Billionaires are in a class of their own when it comes to seeking financial planning advice. They aren't just millionaires with three extra zeros. Members of the 10-digit club require a more structured organization of professional advisors.

How many years until debt is forgiven? ›

In California, the statute of limitations for consumer debt is four years. This means a creditor can't prevail in court after four years have passed, making the debt essentially uncollectable. But there are tricks that can restart the debt clock.

What age are most people debt free? ›

It can be difficult to get out of debt quickly. The average person should be debt free by the age of 58, unless you choose to extend your payments. Otherwise, you could potentially be making payments for another two decades before you become debt free.

What person owes the most debt in the world? ›

Former Société Générale rogue trader Jérôme Kerviel owes the bank $6.3 billion.

Is it better to pay off house or save money? ›

It's typically smarter to pay down your mortgage as much as possible at the very beginning of the loan to save yourself from paying more interest later. If you're somewhere near the later years of your mortgage, it may be more valuable to put your money into retirement accounts or other investments.

At what age should your house be paid off? ›

You should aim to have everything paid off, from student loans to credit card debt, by age 45, O'Leary says. “The reason I say 45 is the turning point, or in your 40s, is because think about a career: Most careers start in early 20s and end in the mid-60s,” O'Leary says.

Why should you not fully pay off your mortgage? ›

The biggest argument on the side of those who want to pay off their debt quickly is interest. Interest is the amount of your mortgage payment that goes to the bank as their profit for giving you the loan. The longer the term, the more interest you will pay over the life of the loan.

Is 1% too much for a financial advisor? ›

Many financial advisers charge based on how much money they manage on your behalf, and 1% of your total assets under management is a pretty standard fee.

What percentage of retirees use a financial advisor? ›

To help navigate these choices, one-third of retirees use a professional investment adviser.

How do you know if you have a good financial advisor? ›

An advisor who believes in having a long-term relationship with you—and not merely a series of commission-generating transactions—can be considered trustworthy. Ask for referrals and then run a background check on the advisors that you narrow down such as from FINRA's free BrokerCheck service.

What is a good return from a financial advisor? ›

Most investors would view an average annual rate of return of 10% or more as a good ROI for long-term investments in the stock market. However, keep in mind that this is an average. Some years will deliver lower returns -- perhaps even negative returns. Other years will generate significantly higher returns.

What is a good amount to pay a financial advisor? ›

Advisors who charge flat fees can cost between $2,000 and $7,500 a year, while the cost of advisors who charge a percentage of a client's account balance — typically 0.25% to 1% per year — will vary based on the size of that balance.

Should I get a financial advisor when I retire? ›

Having a financial advisor in retirement can help you manage several elements of your savings, investments, and even future plans for giving. There is a common misconception that the need for financial guidance ends once you've finished saving for retirement. This couldn't be further from the truth.

Why do so many financial advisors fail? ›

In fact, 80 to 90% of financial advisors fail in the first three years. This is due to three major obstacles: Not only is the learning curve steep, but there's often a heavy reliance on senior advisors for guidance, lengthening the time until you can offer services that will earn a big enough paycheck to stick around.

What is better than a financial advisor? ›

For example, if you have short-term issues or need assistance with specific questions or investments, a financial advisor can usually be a big help. However, if you want support for developing a comprehensive long-term plan for your finances, you may be better off working with a financial planner.

Do financial advisors beat the market? ›

Financial Advisors Rarely Beat the Market

However, you have to decide for yourself if this service is really worth paying for.

What is Dave Ramsey's mission statement? ›

Mission Statement

Ramsey Solutions provides biblically based, commonsense education and empowerment that give HOPE to everyone in every walk of life.

What is a quote from Gordon Ramsay? ›

Iconic Gordon Ramsay Quotes. “This lamb is so undercooked, it's following Mary to school!” “I've never, ever, ever, ever, ever met someone I believe in as little as you.” “The problem with Yanks is they are wimps.”

What was Roosevelt's most famous quote? ›

Speak softly and carry a big stick; you will go far.

What is a famous quote given by John Rockefeller? ›

Don't be afraid to give up the good to go for the great.” “I believe in the supreme worth of the individual and in his right to life, liberty and the pursuit of happiness. I believe that every right implies a responsibility; every opportunity, an obligation; every possession, a duty.

Does Ramsey Solutions pay well? ›

The average Ramsey Solutions salary ranges from approximately $42,792 per year for Customer Service Representative to $144,567 per year for Creative Director. Salary information comes from 514 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months.

How much does Dave Ramsey make a year? ›

Dave Ramsey Net Worth
NameDave Ramsey
ProfessionAmerican radio host
Monthly Income And Salary$1.2 Million +
Yearly Income$15 Million +
Last Updated2022
1 more row

How much does Ramsey Solutions make a year? ›

Avg. Base Salary (USD)

Ramsey Solutions pays an average salary of $84,233 and salaries range from a low of $72,978 to a high of $96,811.

What is Gordon Ramsay's most famous line? ›

1. Idiot Sandwich. Arguably the most famous of Ramsay's quips, the call and response insult even includes literally sandwiching one's face with two slices of bread. Ouch.

What are the most common Gordon Ramsay words? ›

So here's a list of our favourite Gordon Ramsay insults:
  • “What are you?" "An Idiot Sandwich.” ...
  • “You put so much ginger in this, it's a Weasley!” ...
  • “This fish is so raw, he's still finding Nemo!” ...
  • “Honestly, chimichanga… ...
  • “There's enough garlic in here to kill every vampire in Europe.”

What is Gordon Ramsay's favorite cuss word? ›

GORDON Ramsay has garnished his new show with a feast of swearing. The celebrity cook uses his favourite F-word – not food – on 212 occasions in Uncharted. He also said bloody 45 times, s*** 27 and a**e 11 with a total of 302 expletives used.

What is Mark Twain most famous quote? ›

  • "Never tell the truth to people who are not worthy of it."
  • "An uneasy conscience is a hair in the mouth."
  • "When in doubt‚ tell the truth."
  • "If you tell truth you don't have to remember anything."

What is Thomas Jefferson's most famous quote? ›

"We hold these truths to be self-evident: that all men are created equal. . . ." "it is the great parent of science & of virtue: and that a nation will be great in both, always in proportion as it is free."

What is FDR's most famous speech? ›

The "Day of Infamy" speech, sometimes referred to as just "The Infamy speech", was delivered by Franklin D. Roosevelt, the 32nd president of the United States, to a joint session of Congress on December 8, 1941.

What was John F Kennedy's favorite saying? ›

Ask not what your country can do for you, ask what you can do for your country.” “A man may die, nations may rise and fall, but an idea lives on.” “The rights of every man are diminished when the rights of one man are threatened.” “Conformity is the jailer of freedom and the enemy of growth.”

What is the famous line of John F Kennedy? ›

"Let us never negotiate out of fear. But let us never fear to negotiate." "Inaugural Address (1)," January 20, 1961, Public Papers of the Presidents: John F. Kennedy, 1961.

Who said how much money is enough just a little more? ›

Answer: How much money is enough money? For John D. Rockefeller the answer was “just a little bit more.” At the peak of his wealth, Rockefeller had a net worth of about 1% of the entire US economy. He owned 90% of all the oil & gas industry of his time.

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4. Dave Ramsey Insurance Advice from a Ramsey Trusted Agent!
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5. Ramsey Trusted Provider - Baby Step 6
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6. Ramsey Trusted Provider - Baby Step 4
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