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Term life insurance is the only type of coverage recommended by Dave Ramsey and his team—never cash value policies like whole life, universal life, or variable life. The reason is straightforward: term life is much more affordable, and you only pay for coverage during the years you actually...
Should I Have Life Insurance on My Children? Dave Ramsey and his team advise against purchasing life insurance for children, particularly policies like Gerber Life that are marketed as savings or college plans. These policies often involve cash value (whole life) insurance, which is an inefficient...
Term life insurance is the only type of coverage recommended by Dave Ramsey and his team—never cash value policies like whole life, universal life, or variable life. The reason is straightforward: term life is much more affordable, and you only pay for coverage during the years you actually...
Dave Ramsey Baby Steps Discussion: What do you think of Dave Ramsey? What do you think of Dave Ramsey’s baby steps? How would you improve on his (or my) baby steps? 110 Comments Mike I think there needs to be a pre-baby step. Step 0. Add up all monthly expenses, and see what...